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Dollar-Cost-Average Strategy Tool

Should I Lump-Sum buy or Dollar-Cost-Average (DCA) my investment, and if I spread it out, over how many days? Below you can find the optimal strategy based on the phase of the 4-year cycle we are in.

Please note that the results presented are based on today's date within the 4-year cycle, assuming your investment begins today. These outcomes will dynamically evolve daily in alignment with the current phase of the 4-year cycle. If you intend to invest in the future, feel free to revisit the tool for the latest results.

Disclaimer: historic performance does not guarantee future results, not financial advice.

Let's consider the strategies:
  • Over X amount of days
    - Equal Division of principal
  • Lump Sum

DCA
The optimal time frame based on the current position in the cycle to invest with a 'Equal Division' strategy is 525 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2022 Cycle2018 Cycle2014 Cycle2010 Cycle
430 days482 days664 days6 days
#1
525 days-2.3%-1.96%-8.41%-92.57%
Additional time frames
#2526 days-2.31%-2.02%-8.33%-92.58%
#3524 days-2.29%-1.9%-8.5%-92.55%
#4527 days-2.32%-2.09%-8.25%-92.59%
#5528 days-2.33%-2.16%-8.16%-92.61%

DCA Allocation Strategy for 525 days

 AllocateTotal allocation
Day 1176.19176.19
Day 2176.19352.38
Day 3176.19528.57
Day 4176.19704.76
Day 5176.19880.95
Day 6176.191,057.14
Day 7176.191,233.33
Day 8176.191,409.52
Day 9176.191,585.71
Day 10176.191,761.90
Day 11176.191,938.10
Day 12176.192,114.29
Day 13176.192,290.48
Day 14176.192,466.67
Day 15176.192,642.86
Day 16176.192,819.05
Day 17176.192,995.24
Day 18176.193,171.43
Day 19176.193,347.62
Day 20176.193,523.81
Day 21176.193,700.00
Day 22176.193,876.19
Day 23176.194,052.38
Day 24176.194,228.57
Day 25176.194,404.76
Day 26176.194,580.95
Day 27176.194,757.14
Day 28176.194,933.33
Day 29176.195,109.52
Day 30176.195,285.71
Day 31176.195,461.90
Day 32176.195,638.10
Day 33176.195,814.29
Day 34176.195,990.48
Day 35176.196,166.67
Day 36176.196,342.86
Day 37176.196,519.05
Day 38176.196,695.24
Day 39176.196,871.43
Day 40176.197,047.62
Day 41176.197,223.81
Day 42176.197,400.00
Day 43176.197,576.19
Day 44176.197,752.38
Day 45176.197,928.57
Day 46176.198,104.76
Day 47176.198,280.95
Day 48176.198,457.14
Day 49176.198,633.33
Day 50176.198,809.52
Day 51176.198,985.71
Day 52176.199,161.90
Day 53176.199,338.10
Day 54176.199,514.29
Day 55176.199,690.48
Day 56176.199,866.67
Day 57176.1910,042.86
Day 58176.1910,219.05
Day 59176.1910,395.24
Day 60176.1910,571.43
Day 61176.1910,747.62
Day 62176.1910,923.81
Day 63176.1911,100.00
Day 64176.1911,276.19
Day 65176.1911,452.38
Day 66176.1911,628.57
Day 67176.1911,804.76
Day 68176.1911,980.95
Day 69176.1912,157.14
Day 70176.1912,333.33
Day 71176.1912,509.52
Day 72176.1912,685.71
Day 73176.1912,861.90
Day 74176.1913,038.10
Day 75176.1913,214.29
Day 76176.1913,390.48
Day 77176.1913,566.67
Day 78176.1913,742.86
Day 79176.1913,919.05
Day 80176.1914,095.24
Day 81176.1914,271.43
Day 82176.1914,447.62
Day 83176.1914,623.81
Day 84176.1914,800.00
Day 85176.1914,976.19
Day 86176.1915,152.38
Day 87176.1915,328.57
Day 88176.1915,504.76
Day 89176.1915,680.95
Day 90176.1915,857.14
Day 91176.1916,033.33
Day 92176.1916,209.52
Day 93176.1916,385.71
Day 94176.1916,561.90
Day 95176.1916,738.10
Day 96176.1916,914.29
Day 97176.1917,090.48
Day 98176.1917,266.67
Day 99176.1917,442.86
Day 100176.1917,619.05
Day 101176.1917,795.24
Day 102176.1917,971.43
Day 103176.1918,147.62
Day 104176.1918,323.81
Day 105176.1918,500.00
Day 106176.1918,676.19
Day 107176.1918,852.38
Day 108176.1919,028.57
Day 109176.1919,204.76
Day 110176.1919,380.95
Day 111176.1919,557.14
Day 112176.1919,733.33
Day 113176.1919,909.52
Day 114176.1920,085.71
Day 115176.1920,261.90
Day 116176.1920,438.10
Day 117176.1920,614.29
Day 118176.1920,790.48
Day 119176.1920,966.67
Day 120176.1921,142.86
Day 121176.1921,319.05
Day 122176.1921,495.24
Day 123176.1921,671.43
Day 124176.1921,847.62
Day 125176.1922,023.81
Day 126176.1922,200.00
Day 127176.1922,376.19
Day 128176.1922,552.38
Day 129176.1922,728.57
Day 130176.1922,904.76
Day 131176.1923,080.95
Day 132176.1923,257.14
Day 133176.1923,433.33
Day 134176.1923,609.52
Day 135176.1923,785.71
Day 136176.1923,961.90
Day 137176.1924,138.10
Day 138176.1924,314.29
Day 139176.1924,490.48
Day 140176.1924,666.67
Day 141176.1924,842.86
Day 142176.1925,019.05
Day 143176.1925,195.24
Day 144176.1925,371.43
Day 145176.1925,547.62
Day 146176.1925,723.81
Day 147176.1925,900.00
Day 148176.1926,076.19
Day 149176.1926,252.38
Day 150176.1926,428.57
Day 151176.1926,604.76
Day 152176.1926,780.95
Day 153176.1926,957.14
Day 154176.1927,133.33
Day 155176.1927,309.52
Day 156176.1927,485.71
Day 157176.1927,661.90
Day 158176.1927,838.10
Day 159176.1928,014.29
Day 160176.1928,190.48
Day 161176.1928,366.67
Day 162176.1928,542.86
Day 163176.1928,719.05
Day 164176.1928,895.24
Day 165176.1929,071.43
Day 166176.1929,247.62
Day 167176.1929,423.81
Day 168176.1929,600.00
Day 169176.1929,776.19
Day 170176.1929,952.38
Day 171176.1930,128.57
Day 172176.1930,304.76
Day 173176.1930,480.95
Day 174176.1930,657.14
Day 175176.1930,833.33
Day 176176.1931,009.52
Day 177176.1931,185.71
Day 178176.1931,361.90
Day 179176.1931,538.10
Day 180176.1931,714.29
Day 181176.1931,890.48
Day 182176.1932,066.67
Day 183176.1932,242.86
Day 184176.1932,419.05
Day 185176.1932,595.24
Day 186176.1932,771.43
Day 187176.1932,947.62
Day 188176.1933,123.81
Day 189176.1933,300.00
Day 190176.1933,476.19
Day 191176.1933,652.38
Day 192176.1933,828.57
Day 193176.1934,004.76
Day 194176.1934,180.95
Day 195176.1934,357.14
Day 196176.1934,533.33
Day 197176.1934,709.52
Day 198176.1934,885.71
Day 199176.1935,061.90
Day 200176.1935,238.10
Day 201176.1935,414.29
Day 202176.1935,590.48
Day 203176.1935,766.67
Day 204176.1935,942.86
Day 205176.1936,119.05
Day 206176.1936,295.24
Day 207176.1936,471.43
Day 208176.1936,647.62
Day 209176.1936,823.81
Day 210176.1937,000.00
Day 211176.1937,176.19
Day 212176.1937,352.38
Day 213176.1937,528.57
Day 214176.1937,704.76
Day 215176.1937,880.95
Day 216176.1938,057.14
Day 217176.1938,233.33
Day 218176.1938,409.52
Day 219176.1938,585.71
Day 220176.1938,761.90
Day 221176.1938,938.10
Day 222176.1939,114.29
Day 223176.1939,290.48
Day 224176.1939,466.67
Day 225176.1939,642.86
Day 226176.1939,819.05
Day 227176.1939,995.24
Day 228176.1940,171.43
Day 229176.1940,347.62
Day 230176.1940,523.81
Day 231176.1940,700.00
Day 232176.1940,876.19
Day 233176.1941,052.38
Day 234176.1941,228.57
Day 235176.1941,404.76
Day 236176.1941,580.95
Day 237176.1941,757.14
Day 238176.1941,933.33
Day 239176.1942,109.52
Day 240176.1942,285.71
Day 241176.1942,461.90
Day 242176.1942,638.10
Day 243176.1942,814.29
Day 244176.1942,990.48
Day 245176.1943,166.67
Day 246176.1943,342.86
Day 247176.1943,519.05
Day 248176.1943,695.24
Day 249176.1943,871.43
Day 250176.1944,047.62
Day 251176.1944,223.81
Day 252176.1944,400.00
Day 253176.1944,576.19
Day 254176.1944,752.38
Day 255176.1944,928.57
Day 256176.1945,104.76
Day 257176.1945,280.95
Day 258176.1945,457.14
Day 259176.1945,633.33
Day 260176.1945,809.52
Day 261176.1945,985.71
Day 262176.1946,161.90
Day 263176.1946,338.10
Day 264176.1946,514.29
Day 265176.1946,690.48
Day 266176.1946,866.67
Day 267176.1947,042.86
Day 268176.1947,219.05
Day 269176.1947,395.24
Day 270176.1947,571.43
Day 271176.1947,747.62
Day 272176.1947,923.81
Day 273176.1948,100.00
Day 274176.1948,276.19
Day 275176.1948,452.38
Day 276176.1948,628.57
Day 277176.1948,804.76
Day 278176.1948,980.95
Day 279176.1949,157.14
Day 280176.1949,333.33
Day 281176.1949,509.52
Day 282176.1949,685.71
Day 283176.1949,861.90
Day 284176.1950,038.10
Day 285176.1950,214.29
Day 286176.1950,390.48
Day 287176.1950,566.67
Day 288176.1950,742.86
Day 289176.1950,919.05
Day 290176.1951,095.24
Day 291176.1951,271.43
Day 292176.1951,447.62
Day 293176.1951,623.81
Day 294176.1951,800.00
Day 295176.1951,976.19
Day 296176.1952,152.38
Day 297176.1952,328.57
Day 298176.1952,504.76
Day 299176.1952,680.95
Day 300176.1952,857.14
Day 301176.1953,033.33
Day 302176.1953,209.52
Day 303176.1953,385.71
Day 304176.1953,561.90
Day 305176.1953,738.10
Day 306176.1953,914.29
Day 307176.1954,090.48
Day 308176.1954,266.67
Day 309176.1954,442.86
Day 310176.1954,619.05
Day 311176.1954,795.24
Day 312176.1954,971.43
Day 313176.1955,147.62
Day 314176.1955,323.81
Day 315176.1955,500.00
Day 316176.1955,676.19
Day 317176.1955,852.38
Day 318176.1956,028.57
Day 319176.1956,204.76
Day 320176.1956,380.95
Day 321176.1956,557.14
Day 322176.1956,733.33
Day 323176.1956,909.52
Day 324176.1957,085.71
Day 325176.1957,261.90
Day 326176.1957,438.10
Day 327176.1957,614.29
Day 328176.1957,790.48
Day 329176.1957,966.67
Day 330176.1958,142.86
Day 331176.1958,319.05
Day 332176.1958,495.24
Day 333176.1958,671.43
Day 334176.1958,847.62
Day 335176.1959,023.81
Day 336176.1959,200.00
Day 337176.1959,376.19
Day 338176.1959,552.38
Day 339176.1959,728.57
Day 340176.1959,904.76
Day 341176.1960,080.95
Day 342176.1960,257.14
Day 343176.1960,433.33
Day 344176.1960,609.52
Day 345176.1960,785.71
Day 346176.1960,961.90
Day 347176.1961,138.10
Day 348176.1961,314.29
Day 349176.1961,490.48
Day 350176.1961,666.67
Day 351176.1961,842.86
Day 352176.1962,019.05
Day 353176.1962,195.24
Day 354176.1962,371.43
Day 355176.1962,547.62
Day 356176.1962,723.81
Day 357176.1962,900.00
Day 358176.1963,076.19
Day 359176.1963,252.38
Day 360176.1963,428.57
Day 361176.1963,604.76
Day 362176.1963,780.95
Day 363176.1963,957.14
Day 364176.1964,133.33
Day 365176.1964,309.52
Day 366176.1964,485.71
Day 367176.1964,661.90
Day 368176.1964,838.10
Day 369176.1965,014.29
Day 370176.1965,190.48
Day 371176.1965,366.67
Day 372176.1965,542.86
Day 373176.1965,719.05
Day 374176.1965,895.24
Day 375176.1966,071.43
Day 376176.1966,247.62
Day 377176.1966,423.81
Day 378176.1966,600.00
Day 379176.1966,776.19
Day 380176.1966,952.38
Day 381176.1967,128.57
Day 382176.1967,304.76
Day 383176.1967,480.95
Day 384176.1967,657.14
Day 385176.1967,833.33
Day 386176.1968,009.52
Day 387176.1968,185.71
Day 388176.1968,361.90
Day 389176.1968,538.10
Day 390176.1968,714.29
Day 391176.1968,890.48
Day 392176.1969,066.67
Day 393176.1969,242.86
Day 394176.1969,419.05
Day 395176.1969,595.24
Day 396176.1969,771.43
Day 397176.1969,947.62
Day 398176.1970,123.81
Day 399176.1970,300.00
Day 400176.1970,476.19
Day 401176.1970,652.38
Day 402176.1970,828.57
Day 403176.1971,004.76
Day 404176.1971,180.95
Day 405176.1971,357.14
Day 406176.1971,533.33
Day 407176.1971,709.52
Day 408176.1971,885.71
Day 409176.1972,061.90
Day 410176.1972,238.10
Day 411176.1972,414.29
Day 412176.1972,590.48
Day 413176.1972,766.67
Day 414176.1972,942.86
Day 415176.1973,119.05
Day 416176.1973,295.24
Day 417176.1973,471.43
Day 418176.1973,647.62
Day 419176.1973,823.81
Day 420176.1974,000.00
Day 421176.1974,176.19
Day 422176.1974,352.38
Day 423176.1974,528.57
Day 424176.1974,704.76
Day 425176.1974,880.95
Day 426176.1975,057.14
Day 427176.1975,233.33
Day 428176.1975,409.52
Day 429176.1975,585.71
Day 430176.1975,761.90
Day 431176.1975,938.10
Day 432176.1976,114.29
Day 433176.1976,290.48
Day 434176.1976,466.67
Day 435176.1976,642.86
Day 436176.1976,819.05
Day 437176.1976,995.24
Day 438176.1977,171.43
Day 439176.1977,347.62
Day 440176.1977,523.81
Day 441176.1977,700.00
Day 442176.1977,876.19
Day 443176.1978,052.38
Day 444176.1978,228.57
Day 445176.1978,404.76
Day 446176.1978,580.95
Day 447176.1978,757.14
Day 448176.1978,933.33
Day 449176.1979,109.52
Day 450176.1979,285.71
Day 451176.1979,461.90
Day 452176.1979,638.10
Day 453176.1979,814.29
Day 454176.1979,990.48
Day 455176.1980,166.67
Day 456176.1980,342.86
Day 457176.1980,519.05
Day 458176.1980,695.24
Day 459176.1980,871.43
Day 460176.1981,047.62
Day 461176.1981,223.81
Day 462176.1981,400.00
Day 463176.1981,576.19
Day 464176.1981,752.38
Day 465176.1981,928.57
Day 466176.1982,104.76
Day 467176.1982,280.95
Day 468176.1982,457.14
Day 469176.1982,633.33
Day 470176.1982,809.52
Day 471176.1982,985.71
Day 472176.1983,161.90
Day 473176.1983,338.10
Day 474176.1983,514.29
Day 475176.1983,690.48
Day 476176.1983,866.67
Day 477176.1984,042.86
Day 478176.1984,219.05
Day 479176.1984,395.24
Day 480176.1984,571.43
Day 481176.1984,747.62
Day 482176.1984,923.81
Day 483176.1985,100.00
Day 484176.1985,276.19
Day 485176.1985,452.38
Day 486176.1985,628.57
Day 487176.1985,804.76
Day 488176.1985,980.95
Day 489176.1986,157.14
Day 490176.1986,333.33
Day 491176.1986,509.52
Day 492176.1986,685.71
Day 493176.1986,861.90
Day 494176.1987,038.10
Day 495176.1987,214.29
Day 496176.1987,390.48
Day 497176.1987,566.67
Day 498176.1987,742.86
Day 499176.1987,919.05
Day 500176.1988,095.24
Day 501176.1988,271.43
Day 502176.1988,447.62
Day 503176.1988,623.81
Day 504176.1988,800.00
Day 505176.1988,976.19
Day 506176.1989,152.38
Day 507176.1989,328.57
Day 508176.1989,504.76
Day 509176.1989,680.95
Day 510176.1989,857.14
Day 511176.1990,033.33
Day 512176.1990,209.52
Day 513176.1990,385.71
Day 514176.1990,561.90
Day 515176.1990,738.10
Day 516176.1990,914.29
Day 517176.1991,090.48
Day 518176.1991,266.67
Day 519176.1991,442.86
Day 520176.1991,619.05
Day 521176.1991,795.24
Day 522176.1991,971.43
Day 523176.1992,147.62
Day 524176.1992,323.81
Day 525176.1992,500.00
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