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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 393 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2022 Cycle2018 Cycle2014 Cycle2010 Cycle
293 days393 days576 days46 days
#1
393 days-3.43%0%-12.31%-74.14%
Additional time frames
#2395 days-3.54%-0%-12.08%-74.27%
#3394 days-3.49%-0%-12.2%-74.21%
#4392 days-3.38%-0%-12.44%-74.08%
#5396 days-3.59%-0.01%-11.97%-74.34%

DCA Allocation Strategy for 393 days

 AllocateTotal allocation
Day 1170.48170.48
Day 2170.48340.97
Day 3170.48511.45
Day 4170.48681.93
Day 5170.48852.42
Day 6170.481,022.90
Day 7170.481,193.38
Day 8170.481,363.87
Day 9170.481,534.35
Day 10170.481,704.83
Day 11170.481,875.32
Day 12170.482,045.80
Day 13170.482,216.28
Day 14170.482,386.77
Day 15170.482,557.25
Day 16170.482,727.74
Day 17170.482,898.22
Day 18170.483,068.70
Day 19170.483,239.19
Day 20170.483,409.67
Day 21170.483,580.15
Day 22170.483,750.64
Day 23170.483,921.12
Day 24170.484,091.60
Day 25170.484,262.09
Day 26170.484,432.57
Day 27170.484,603.05
Day 28170.484,773.54
Day 29170.484,944.02
Day 30170.485,114.50
Day 31170.485,284.99
Day 32170.485,455.47
Day 33170.485,625.95
Day 34170.485,796.44
Day 35170.485,966.92
Day 36170.486,137.40
Day 37170.486,307.89
Day 38170.486,478.37
Day 39170.486,648.85
Day 40170.486,819.34
Day 41170.486,989.82
Day 42170.487,160.31
Day 43170.487,330.79
Day 44170.487,501.27
Day 45170.487,671.76
Day 46170.487,842.24
Day 47170.488,012.72
Day 48170.488,183.21
Day 49170.488,353.69
Day 50170.488,524.17
Day 51170.488,694.66
Day 52170.488,865.14
Day 53170.489,035.62
Day 54170.489,206.11
Day 55170.489,376.59
Day 56170.489,547.07
Day 57170.489,717.56
Day 58170.489,888.04
Day 59170.4810,058.52
Day 60170.4810,229.01
Day 61170.4810,399.49
Day 62170.4810,569.97
Day 63170.4810,740.46
Day 64170.4810,910.94
Day 65170.4811,081.42
Day 66170.4811,251.91
Day 67170.4811,422.39
Day 68170.4811,592.88
Day 69170.4811,763.36
Day 70170.4811,933.84
Day 71170.4812,104.33
Day 72170.4812,274.81
Day 73170.4812,445.29
Day 74170.4812,615.78
Day 75170.4812,786.26
Day 76170.4812,956.74
Day 77170.4813,127.23
Day 78170.4813,297.71
Day 79170.4813,468.19
Day 80170.4813,638.68
Day 81170.4813,809.16
Day 82170.4813,979.64
Day 83170.4814,150.13
Day 84170.4814,320.61
Day 85170.4814,491.09
Day 86170.4814,661.58
Day 87170.4814,832.06
Day 88170.4815,002.54
Day 89170.4815,173.03
Day 90170.4815,343.51
Day 91170.4815,513.99
Day 92170.4815,684.48
Day 93170.4815,854.96
Day 94170.4816,025.45
Day 95170.4816,195.93
Day 96170.4816,366.41
Day 97170.4816,536.90
Day 98170.4816,707.38
Day 99170.4816,877.86
Day 100170.4817,048.35
Day 101170.4817,218.83
Day 102170.4817,389.31
Day 103170.4817,559.80
Day 104170.4817,730.28
Day 105170.4817,900.76
Day 106170.4818,071.25
Day 107170.4818,241.73
Day 108170.4818,412.21
Day 109170.4818,582.70
Day 110170.4818,753.18
Day 111170.4818,923.66
Day 112170.4819,094.15
Day 113170.4819,264.63
Day 114170.4819,435.11
Day 115170.4819,605.60
Day 116170.4819,776.08
Day 117170.4819,946.56
Day 118170.4820,117.05
Day 119170.4820,287.53
Day 120170.4820,458.02
Day 121170.4820,628.50
Day 122170.4820,798.98
Day 123170.4820,969.47
Day 124170.4821,139.95
Day 125170.4821,310.43
Day 126170.4821,480.92
Day 127170.4821,651.40
Day 128170.4821,821.88
Day 129170.4821,992.37
Day 130170.4822,162.85
Day 131170.4822,333.33
Day 132170.4822,503.82
Day 133170.4822,674.30
Day 134170.4822,844.78
Day 135170.4823,015.27
Day 136170.4823,185.75
Day 137170.4823,356.23
Day 138170.4823,526.72
Day 139170.4823,697.20
Day 140170.4823,867.68
Day 141170.4824,038.17
Day 142170.4824,208.65
Day 143170.4824,379.13
Day 144170.4824,549.62
Day 145170.4824,720.10
Day 146170.4824,890.59
Day 147170.4825,061.07
Day 148170.4825,231.55
Day 149170.4825,402.04
Day 150170.4825,572.52
Day 151170.4825,743.00
Day 152170.4825,913.49
Day 153170.4826,083.97
Day 154170.4826,254.45
Day 155170.4826,424.94
Day 156170.4826,595.42
Day 157170.4826,765.90
Day 158170.4826,936.39
Day 159170.4827,106.87
Day 160170.4827,277.35
Day 161170.4827,447.84
Day 162170.4827,618.32
Day 163170.4827,788.80
Day 164170.4827,959.29
Day 165170.4828,129.77
Day 166170.4828,300.25
Day 167170.4828,470.74
Day 168170.4828,641.22
Day 169170.4828,811.70
Day 170170.4828,982.19
Day 171170.4829,152.67
Day 172170.4829,323.16
Day 173170.4829,493.64
Day 174170.4829,664.12
Day 175170.4829,834.61
Day 176170.4830,005.09
Day 177170.4830,175.57
Day 178170.4830,346.06
Day 179170.4830,516.54
Day 180170.4830,687.02
Day 181170.4830,857.51
Day 182170.4831,027.99
Day 183170.4831,198.47
Day 184170.4831,368.96
Day 185170.4831,539.44
Day 186170.4831,709.92
Day 187170.4831,880.41
Day 188170.4832,050.89
Day 189170.4832,221.37
Day 190170.4832,391.86
Day 191170.4832,562.34
Day 192170.4832,732.82
Day 193170.4832,903.31
Day 194170.4833,073.79
Day 195170.4833,244.27
Day 196170.4833,414.76
Day 197170.4833,585.24
Day 198170.4833,755.73
Day 199170.4833,926.21
Day 200170.4834,096.69
Day 201170.4834,267.18
Day 202170.4834,437.66
Day 203170.4834,608.14
Day 204170.4834,778.63
Day 205170.4834,949.11
Day 206170.4835,119.59
Day 207170.4835,290.08
Day 208170.4835,460.56
Day 209170.4835,631.04
Day 210170.4835,801.53
Day 211170.4835,972.01
Day 212170.4836,142.49
Day 213170.4836,312.98
Day 214170.4836,483.46
Day 215170.4836,653.94
Day 216170.4836,824.43
Day 217170.4836,994.91
Day 218170.4837,165.39
Day 219170.4837,335.88
Day 220170.4837,506.36
Day 221170.4837,676.84
Day 222170.4837,847.33
Day 223170.4838,017.81
Day 224170.4838,188.30
Day 225170.4838,358.78
Day 226170.4838,529.26
Day 227170.4838,699.75
Day 228170.4838,870.23
Day 229170.4839,040.71
Day 230170.4839,211.20
Day 231170.4839,381.68
Day 232170.4839,552.16
Day 233170.4839,722.65
Day 234170.4839,893.13
Day 235170.4840,063.61
Day 236170.4840,234.10
Day 237170.4840,404.58
Day 238170.4840,575.06
Day 239170.4840,745.55
Day 240170.4840,916.03
Day 241170.4841,086.51
Day 242170.4841,257.00
Day 243170.4841,427.48
Day 244170.4841,597.96
Day 245170.4841,768.45
Day 246170.4841,938.93
Day 247170.4842,109.41
Day 248170.4842,279.90
Day 249170.4842,450.38
Day 250170.4842,620.87
Day 251170.4842,791.35
Day 252170.4842,961.83
Day 253170.4843,132.32
Day 254170.4843,302.80
Day 255170.4843,473.28
Day 256170.4843,643.77
Day 257170.4843,814.25
Day 258170.4843,984.73
Day 259170.4844,155.22
Day 260170.4844,325.70
Day 261170.4844,496.18
Day 262170.4844,666.67
Day 263170.4844,837.15
Day 264170.4845,007.63
Day 265170.4845,178.12
Day 266170.4845,348.60
Day 267170.4845,519.08
Day 268170.4845,689.57
Day 269170.4845,860.05
Day 270170.4846,030.53
Day 271170.4846,201.02
Day 272170.4846,371.50
Day 273170.4846,541.98
Day 274170.4846,712.47
Day 275170.4846,882.95
Day 276170.4847,053.44
Day 277170.4847,223.92
Day 278170.4847,394.40
Day 279170.4847,564.89
Day 280170.4847,735.37
Day 281170.4847,905.85
Day 282170.4848,076.34
Day 283170.4848,246.82
Day 284170.4848,417.30
Day 285170.4848,587.79
Day 286170.4848,758.27
Day 287170.4848,928.75
Day 288170.4849,099.24
Day 289170.4849,269.72
Day 290170.4849,440.20
Day 291170.4849,610.69
Day 292170.4849,781.17
Day 293170.4849,951.65
Day 294170.4850,122.14
Day 295170.4850,292.62
Day 296170.4850,463.10
Day 297170.4850,633.59
Day 298170.4850,804.07
Day 299170.4850,974.55
Day 300170.4851,145.04
Day 301170.4851,315.52
Day 302170.4851,486.01
Day 303170.4851,656.49
Day 304170.4851,826.97
Day 305170.4851,997.46
Day 306170.4852,167.94
Day 307170.4852,338.42
Day 308170.4852,508.91
Day 309170.4852,679.39
Day 310170.4852,849.87
Day 311170.4853,020.36
Day 312170.4853,190.84
Day 313170.4853,361.32
Day 314170.4853,531.81
Day 315170.4853,702.29
Day 316170.4853,872.77
Day 317170.4854,043.26
Day 318170.4854,213.74
Day 319170.4854,384.22
Day 320170.4854,554.71
Day 321170.4854,725.19
Day 322170.4854,895.67
Day 323170.4855,066.16
Day 324170.4855,236.64
Day 325170.4855,407.12
Day 326170.4855,577.61
Day 327170.4855,748.09
Day 328170.4855,918.58
Day 329170.4856,089.06
Day 330170.4856,259.54
Day 331170.4856,430.03
Day 332170.4856,600.51
Day 333170.4856,770.99
Day 334170.4856,941.48
Day 335170.4857,111.96
Day 336170.4857,282.44
Day 337170.4857,452.93
Day 338170.4857,623.41
Day 339170.4857,793.89
Day 340170.4857,964.38
Day 341170.4858,134.86
Day 342170.4858,305.34
Day 343170.4858,475.83
Day 344170.4858,646.31
Day 345170.4858,816.79
Day 346170.4858,987.28
Day 347170.4859,157.76
Day 348170.4859,328.24
Day 349170.4859,498.73
Day 350170.4859,669.21
Day 351170.4859,839.69
Day 352170.4860,010.18
Day 353170.4860,180.66
Day 354170.4860,351.15
Day 355170.4860,521.63
Day 356170.4860,692.11
Day 357170.4860,862.60
Day 358170.4861,033.08
Day 359170.4861,203.56
Day 360170.4861,374.05
Day 361170.4861,544.53
Day 362170.4861,715.01
Day 363170.4861,885.50
Day 364170.4862,055.98
Day 365170.4862,226.46
Day 366170.4862,396.95
Day 367170.4862,567.43
Day 368170.4862,737.91
Day 369170.4862,908.40
Day 370170.4863,078.88
Day 371170.4863,249.36
Day 372170.4863,419.85
Day 373170.4863,590.33
Day 374170.4863,760.81
Day 375170.4863,931.30
Day 376170.4864,101.78
Day 377170.4864,272.26
Day 378170.4864,442.75
Day 379170.4864,613.23
Day 380170.4864,783.72
Day 381170.4864,954.20
Day 382170.4865,124.68
Day 383170.4865,295.17
Day 384170.4865,465.65
Day 385170.4865,636.13
Day 386170.4865,806.62
Day 387170.4865,977.10
Day 388170.4866,147.58
Day 389170.4866,318.07
Day 390170.4866,488.55
Day 391170.4866,659.03
Day 392170.4866,829.52
Day 393170.4867,000.00