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

Recommended DCA Time Frame

Best overall strategy		Optimum per cycle
		2022 Cycle	2018 Cycle	2014 Cycle	2010 Cycle
		242 days	325 days	530 days	1 days
#1	348 days	-5.75%	-0.21%	-12.2%	-84.62%
Additional time frames
#2	349 days	-5.83%	-0.23%	-12.08%	-84.66%
#3	347 days	-5.68%	-0.2%	-12.34%	-84.57%
#4	350 days	-5.89%	-0.24%	-11.96%	-84.71%
#5	346 days	-5.61%	-0.19%	-12.48%	-84.53%

DCA Allocation Strategy for 348 days

	Allocate	Total allocation
Day 1	225.29	225.29
Day 2	225.29	450.57
Day 3	225.29	675.86
Day 4	225.29	901.15
Day 5	225.29	1,126.44
Day 6	225.29	1,351.72
Day 7	225.29	1,577.01
Day 8	225.29	1,802.30
Day 9	225.29	2,027.59
Day 10	225.29	2,252.87
Day 11	225.29	2,478.16
Day 12	225.29	2,703.45
Day 13	225.29	2,928.74
Day 14	225.29	3,154.02
Day 15	225.29	3,379.31
Day 16	225.29	3,604.60
Day 17	225.29	3,829.89
Day 18	225.29	4,055.17
Day 19	225.29	4,280.46
Day 20	225.29	4,505.75
Day 21	225.29	4,731.03
Day 22	225.29	4,956.32
Day 23	225.29	5,181.61
Day 24	225.29	5,406.90
Day 25	225.29	5,632.18
Day 26	225.29	5,857.47
Day 27	225.29	6,082.76
Day 28	225.29	6,308.05
Day 29	225.29	6,533.33
Day 30	225.29	6,758.62
Day 31	225.29	6,983.91
Day 32	225.29	7,209.20
Day 33	225.29	7,434.48
Day 34	225.29	7,659.77
Day 35	225.29	7,885.06
Day 36	225.29	8,110.34
Day 37	225.29	8,335.63
Day 38	225.29	8,560.92
Day 39	225.29	8,786.21
Day 40	225.29	9,011.49
Day 41	225.29	9,236.78
Day 42	225.29	9,462.07
Day 43	225.29	9,687.36
Day 44	225.29	9,912.64
Day 45	225.29	10,137.93
Day 46	225.29	10,363.22
Day 47	225.29	10,588.51
Day 48	225.29	10,813.79
Day 49	225.29	11,039.08
Day 50	225.29	11,264.37
Day 51	225.29	11,489.66
Day 52	225.29	11,714.94
Day 53	225.29	11,940.23
Day 54	225.29	12,165.52
Day 55	225.29	12,390.80
Day 56	225.29	12,616.09
Day 57	225.29	12,841.38
Day 58	225.29	13,066.67
Day 59	225.29	13,291.95
Day 60	225.29	13,517.24
Day 61	225.29	13,742.53
Day 62	225.29	13,967.82
Day 63	225.29	14,193.10
Day 64	225.29	14,418.39
Day 65	225.29	14,643.68
Day 66	225.29	14,868.97
Day 67	225.29	15,094.25
Day 68	225.29	15,319.54
Day 69	225.29	15,544.83
Day 70	225.29	15,770.11
Day 71	225.29	15,995.40
Day 72	225.29	16,220.69
Day 73	225.29	16,445.98
Day 74	225.29	16,671.26
Day 75	225.29	16,896.55
Day 76	225.29	17,121.84
Day 77	225.29	17,347.13
Day 78	225.29	17,572.41
Day 79	225.29	17,797.70
Day 80	225.29	18,022.99
Day 81	225.29	18,248.28
Day 82	225.29	18,473.56
Day 83	225.29	18,698.85
Day 84	225.29	18,924.14
Day 85	225.29	19,149.43
Day 86	225.29	19,374.71
Day 87	225.29	19,600.00
Day 88	225.29	19,825.29
Day 89	225.29	20,050.57
Day 90	225.29	20,275.86
Day 91	225.29	20,501.15
Day 92	225.29	20,726.44
Day 93	225.29	20,951.72
Day 94	225.29	21,177.01
Day 95	225.29	21,402.30
Day 96	225.29	21,627.59
Day 97	225.29	21,852.87
Day 98	225.29	22,078.16
Day 99	225.29	22,303.45
Day 100	225.29	22,528.74
Day 101	225.29	22,754.02
Day 102	225.29	22,979.31
Day 103	225.29	23,204.60
Day 104	225.29	23,429.89
Day 105	225.29	23,655.17
Day 106	225.29	23,880.46
Day 107	225.29	24,105.75
Day 108	225.29	24,331.03
Day 109	225.29	24,556.32
Day 110	225.29	24,781.61
Day 111	225.29	25,006.90
Day 112	225.29	25,232.18
Day 113	225.29	25,457.47
Day 114	225.29	25,682.76
Day 115	225.29	25,908.05
Day 116	225.29	26,133.33
Day 117	225.29	26,358.62
Day 118	225.29	26,583.91
Day 119	225.29	26,809.20
Day 120	225.29	27,034.48
Day 121	225.29	27,259.77
Day 122	225.29	27,485.06
Day 123	225.29	27,710.34
Day 124	225.29	27,935.63
Day 125	225.29	28,160.92
Day 126	225.29	28,386.21
Day 127	225.29	28,611.49
Day 128	225.29	28,836.78
Day 129	225.29	29,062.07
Day 130	225.29	29,287.36
Day 131	225.29	29,512.64
Day 132	225.29	29,737.93
Day 133	225.29	29,963.22
Day 134	225.29	30,188.51
Day 135	225.29	30,413.79
Day 136	225.29	30,639.08
Day 137	225.29	30,864.37
Day 138	225.29	31,089.66
Day 139	225.29	31,314.94
Day 140	225.29	31,540.23
Day 141	225.29	31,765.52
Day 142	225.29	31,990.80
Day 143	225.29	32,216.09
Day 144	225.29	32,441.38
Day 145	225.29	32,666.67
Day 146	225.29	32,891.95
Day 147	225.29	33,117.24
Day 148	225.29	33,342.53
Day 149	225.29	33,567.82
Day 150	225.29	33,793.10
Day 151	225.29	34,018.39
Day 152	225.29	34,243.68
Day 153	225.29	34,468.97
Day 154	225.29	34,694.25
Day 155	225.29	34,919.54
Day 156	225.29	35,144.83
Day 157	225.29	35,370.11
Day 158	225.29	35,595.40
Day 159	225.29	35,820.69
Day 160	225.29	36,045.98
Day 161	225.29	36,271.26
Day 162	225.29	36,496.55
Day 163	225.29	36,721.84
Day 164	225.29	36,947.13
Day 165	225.29	37,172.41
Day 166	225.29	37,397.70
Day 167	225.29	37,622.99
Day 168	225.29	37,848.28
Day 169	225.29	38,073.56
Day 170	225.29	38,298.85
Day 171	225.29	38,524.14
Day 172	225.29	38,749.43
Day 173	225.29	38,974.71
Day 174	225.29	39,200.00
Day 175	225.29	39,425.29
Day 176	225.29	39,650.57
Day 177	225.29	39,875.86
Day 178	225.29	40,101.15
Day 179	225.29	40,326.44
Day 180	225.29	40,551.72
Day 181	225.29	40,777.01
Day 182	225.29	41,002.30
Day 183	225.29	41,227.59
Day 184	225.29	41,452.87
Day 185	225.29	41,678.16
Day 186	225.29	41,903.45
Day 187	225.29	42,128.74
Day 188	225.29	42,354.02
Day 189	225.29	42,579.31
Day 190	225.29	42,804.60
Day 191	225.29	43,029.89
Day 192	225.29	43,255.17
Day 193	225.29	43,480.46
Day 194	225.29	43,705.75
Day 195	225.29	43,931.03
Day 196	225.29	44,156.32
Day 197	225.29	44,381.61
Day 198	225.29	44,606.90
Day 199	225.29	44,832.18
Day 200	225.29	45,057.47
Day 201	225.29	45,282.76
Day 202	225.29	45,508.05
Day 203	225.29	45,733.33
Day 204	225.29	45,958.62
Day 205	225.29	46,183.91
Day 206	225.29	46,409.20
Day 207	225.29	46,634.48
Day 208	225.29	46,859.77
Day 209	225.29	47,085.06
Day 210	225.29	47,310.34
Day 211	225.29	47,535.63
Day 212	225.29	47,760.92
Day 213	225.29	47,986.21
Day 214	225.29	48,211.49
Day 215	225.29	48,436.78
Day 216	225.29	48,662.07
Day 217	225.29	48,887.36
Day 218	225.29	49,112.64
Day 219	225.29	49,337.93
Day 220	225.29	49,563.22
Day 221	225.29	49,788.51
Day 222	225.29	50,013.79
Day 223	225.29	50,239.08
Day 224	225.29	50,464.37
Day 225	225.29	50,689.66
Day 226	225.29	50,914.94
Day 227	225.29	51,140.23
Day 228	225.29	51,365.52
Day 229	225.29	51,590.80
Day 230	225.29	51,816.09
Day 231	225.29	52,041.38
Day 232	225.29	52,266.67
Day 233	225.29	52,491.95
Day 234	225.29	52,717.24
Day 235	225.29	52,942.53
Day 236	225.29	53,167.82
Day 237	225.29	53,393.10
Day 238	225.29	53,618.39
Day 239	225.29	53,843.68
Day 240	225.29	54,068.97
Day 241	225.29	54,294.25
Day 242	225.29	54,519.54
Day 243	225.29	54,744.83
Day 244	225.29	54,970.11
Day 245	225.29	55,195.40
Day 246	225.29	55,420.69
Day 247	225.29	55,645.98
Day 248	225.29	55,871.26
Day 249	225.29	56,096.55
Day 250	225.29	56,321.84
Day 251	225.29	56,547.13
Day 252	225.29	56,772.41
Day 253	225.29	56,997.70
Day 254	225.29	57,222.99
Day 255	225.29	57,448.28
Day 256	225.29	57,673.56
Day 257	225.29	57,898.85
Day 258	225.29	58,124.14
Day 259	225.29	58,349.43
Day 260	225.29	58,574.71
Day 261	225.29	58,800.00
Day 262	225.29	59,025.29
Day 263	225.29	59,250.57
Day 264	225.29	59,475.86
Day 265	225.29	59,701.15
Day 266	225.29	59,926.44
Day 267	225.29	60,151.72
Day 268	225.29	60,377.01
Day 269	225.29	60,602.30
Day 270	225.29	60,827.59
Day 271	225.29	61,052.87
Day 272	225.29	61,278.16
Day 273	225.29	61,503.45
Day 274	225.29	61,728.74
Day 275	225.29	61,954.02
Day 276	225.29	62,179.31
Day 277	225.29	62,404.60
Day 278	225.29	62,629.89
Day 279	225.29	62,855.17
Day 280	225.29	63,080.46
Day 281	225.29	63,305.75
Day 282	225.29	63,531.03
Day 283	225.29	63,756.32
Day 284	225.29	63,981.61
Day 285	225.29	64,206.90
Day 286	225.29	64,432.18
Day 287	225.29	64,657.47
Day 288	225.29	64,882.76
Day 289	225.29	65,108.05
Day 290	225.29	65,333.33
Day 291	225.29	65,558.62
Day 292	225.29	65,783.91
Day 293	225.29	66,009.20
Day 294	225.29	66,234.48
Day 295	225.29	66,459.77
Day 296	225.29	66,685.06
Day 297	225.29	66,910.34
Day 298	225.29	67,135.63
Day 299	225.29	67,360.92
Day 300	225.29	67,586.21
Day 301	225.29	67,811.49
Day 302	225.29	68,036.78
Day 303	225.29	68,262.07
Day 304	225.29	68,487.36
Day 305	225.29	68,712.64
Day 306	225.29	68,937.93
Day 307	225.29	69,163.22
Day 308	225.29	69,388.51
Day 309	225.29	69,613.79
Day 310	225.29	69,839.08
Day 311	225.29	70,064.37
Day 312	225.29	70,289.66
Day 313	225.29	70,514.94
Day 314	225.29	70,740.23
Day 315	225.29	70,965.52
Day 316	225.29	71,190.80
Day 317	225.29	71,416.09
Day 318	225.29	71,641.38
Day 319	225.29	71,866.67
Day 320	225.29	72,091.95
Day 321	225.29	72,317.24
Day 322	225.29	72,542.53
Day 323	225.29	72,767.82
Day 324	225.29	72,993.10
Day 325	225.29	73,218.39
Day 326	225.29	73,443.68
Day 327	225.29	73,668.97
Day 328	225.29	73,894.25
Day 329	225.29	74,119.54
Day 330	225.29	74,344.83
Day 331	225.29	74,570.11
Day 332	225.29	74,795.40
Day 333	225.29	75,020.69
Day 334	225.29	75,245.98
Day 335	225.29	75,471.26
Day 336	225.29	75,696.55
Day 337	225.29	75,921.84
Day 338	225.29	76,147.13
Day 339	225.29	76,372.41
Day 340	225.29	76,597.70
Day 341	225.29	76,822.99
Day 342	225.29	77,048.28
Day 343	225.29	77,273.56
Day 344	225.29	77,498.85
Day 345	225.29	77,724.14
Day 346	225.29	77,949.43
Day 347	225.29	78,174.71
Day 348	225.29	78,400.00