Bitcoin to Challenge $110K in July? ETFs vs Dollar-Cost Averaging — 5 Smart Ways to Invest in Bitcoin

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Bitcoin is once again capturing global attention as its price surges toward $110,000, reigniting interest among both seasoned investors and newcomers alike. With such high valuations, purchasing a full BTC may seem out of reach — but the good news is, you don’t need to buy an entire bitcoin to benefit from its growth. Thanks to evolving investment tools and strategies, there are now multiple accessible, secure, and strategic ways to gain exposure to this leading digital asset.

Whether you're just starting out or looking to refine your crypto portfolio, here are five smart methods to invest in Bitcoin — even when prices appear daunting.

1. Buy Fractional Bitcoin: Start Small, Think Big

One of the most straightforward ways to enter the Bitcoin market is by purchasing a fraction of a coin. As Anthony Georgiades, founder and general partner at Innovating Capital, explains, you don’t need to own a whole BTC to participate in its upside. Even a $10 investment can give you exposure to Bitcoin’s price movements.

Most major cryptocurrency exchanges — including Coinbase and Binance — support fractional purchases. This means anyone can start small and scale up over time without needing thousands of dollars upfront.

👉 Discover how easy it is to start investing in Bitcoin with flexible, low-cost options.

Before diving in, compare platform fees and minimum deposit requirements. While fractional buying lowers entry barriers, recurring transaction costs on small trades can add up. Always use reputable, regulated exchanges, and consider transferring your holdings to a private wallet as your balance grows for enhanced security.

This method is ideal for beginners who want direct ownership without the complexity of managing large sums or advanced trading tools.

2. Use Popular Payment Apps for Effortless Micro-Investing

Digital payment platforms like PayPal, Venmo, and Cash App have made buying Bitcoin as simple as sending money to a friend. These apps allow users to purchase small amounts of Bitcoin, monitor performance, and in some cases, transfer assets to external wallets.

For those unfamiliar with traditional crypto exchanges, these apps offer a familiar interface and integrated security features, reducing the learning curve significantly. Simply select Bitcoin within the app, enter your desired amount, and confirm the transaction.

While convenient, keep in mind that not all payment apps allow full control over private keys — meaning you may not truly “own” the asset in a self-custody sense. Still, they serve as excellent entry points for casual investors or those testing the waters before moving to more advanced platforms.

3. Invest via Bitcoin ETFs: Simplicity Meets Market Access

For investors preferring a more traditional financial approach, Bitcoin exchange-traded funds (ETFs) offer a compelling alternative. These funds track the price of Bitcoin without requiring users to manage wallets, private keys, or exchanges.

As Anthony Georgiades notes, Bitcoin ETFs can be purchased through standard brokerage accounts — just like stocks or mutual funds. They often come with low expense ratios and support fractional share purchases, making them budget-friendly for long-term investors.

Bitcoin spot ETFs have gained significant traction since their approval, with total assets surpassing $20 billion. Their regulatory compliance and integration into mainstream finance make them a lower-friction option compared to direct crypto ownership.

However, while ETFs reduce operational risks, they still carry market risk — your returns will fluctuate directly with Bitcoin’s price. You also pay management fees over time, which can impact long-term gains.

👉 Explore modern investment vehicles that bring Bitcoin exposure into your traditional portfolio.

4. Dollar-Cost Averaging: Reduce Volatility Risk Over Time

Dollar-cost averaging (DCA) is a disciplined strategy where you invest a fixed amount in Bitcoin at regular intervals — weekly, bi-weekly, or monthly — regardless of price.

Georgiades describes DCA as a powerful tool for smoothing out market volatility and removing emotional decision-making from investing. Instead of trying to time the market, you accumulate Bitcoin gradually, buying more when prices are low and less when they’re high.

According to Forbes, this approach helps mitigate the risk of entering at peak prices. While it doesn’t protect against prolonged bear markets, it promotes consistency and long-term wealth building.

Be mindful of transaction fees if using certain platforms frequently — over time, small charges can erode returns. Using a low-fee exchange or scheduling fewer, larger purchases can help optimize this strategy.

DCA works particularly well during periods of high uncertainty or rapid price swings — like the current run toward $110K.

5. Gain Indirect Exposure Through Crypto-Related Stocks

Another way to gain Bitcoin exposure without holding it directly is by investing in companies tied to the cryptocurrency ecosystem. This includes publicly traded exchanges like Coinbase, mining firms such as Marathon Digital or MicroStrategy, or financial institutions offering crypto services.

These stocks often move in correlation with Bitcoin’s price but come with additional variables — company performance, regulatory news, operational costs — that can amplify or dampen returns.

While not a pure play on BTC itself, this method allows investors to leverage established brokerage accounts and benefit from broader industry growth. It's especially appealing to those restricted by platform access or seeking tax-efficient structures in regulated markets.

Frequently Asked Questions (FAQ)

Q: Can I really buy less than one Bitcoin?
A: Yes. Most major platforms support fractional Bitcoin purchases, allowing you to invest any amount — even as little as $1.

Q: Is investing in a Bitcoin ETF safer than holding actual Bitcoin?
A: ETFs eliminate custody risks (like losing private keys), but still expose you to market volatility. They’re simpler and more regulated, but you don’t own the underlying asset directly.

Q: What’s the best strategy for beginners?
A: Starting with small, regular investments via a trusted app or exchange — combined with dollar-cost averaging — is a proven way to build confidence and position over time.

Q: How does dollar-cost averaging work with crypto?
A: By investing a fixed amount at set intervals (e.g., $50 every week), you reduce the impact of short-term price swings and avoid emotional trading decisions.

Q: Are payment apps like PayPal safe for buying Bitcoin?
A: They are generally secure and user-friendly but may limit withdrawal options or full ownership rights. Best used for small-scale experimentation.

Q: Can I lose money investing in Bitcoin?
A: Yes. Bitcoin is highly volatile and carries significant risk. Never invest more than you can afford to lose.

👉 Start building your Bitcoin position today with tools designed for both beginners and experts.

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By understanding your options — from fractional ownership and ETFs to DCA and indirect equity plays — you can make informed decisions that align with your risk tolerance and financial goals. As Bitcoin continues its climb toward new highs in 2025, now is the time to choose a strategy that works for you.