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
		410 days	461 days	644 days	1 days
#1	468 days	-2%	-0.06%	-11.91%	-74.03%
Additional time frames
#2	469 days	-2.02%	-0.08%	-11.8%	-74.08%
#3	467 days	-1.97%	-0.04%	-12.01%	-73.97%
#4	466 days	-1.94%	-0.03%	-12.11%	-73.92%
#5	465 days	-1.91%	-0.02%	-12.22%	-73.86%

DCA Allocation Strategy for 468 days

	Allocate	Total allocation
Day 1	189.32	189.32
Day 2	189.32	378.63
Day 3	189.32	567.95
Day 4	189.32	757.26
Day 5	189.32	946.58
Day 6	189.32	1,135.90
Day 7	189.32	1,325.21
Day 8	189.32	1,514.53
Day 9	189.32	1,703.85
Day 10	189.32	1,893.16
Day 11	189.32	2,082.48
Day 12	189.32	2,271.79
Day 13	189.32	2,461.11
Day 14	189.32	2,650.43
Day 15	189.32	2,839.74
Day 16	189.32	3,029.06
Day 17	189.32	3,218.38
Day 18	189.32	3,407.69
Day 19	189.32	3,597.01
Day 20	189.32	3,786.32
Day 21	189.32	3,975.64
Day 22	189.32	4,164.96
Day 23	189.32	4,354.27
Day 24	189.32	4,543.59
Day 25	189.32	4,732.91
Day 26	189.32	4,922.22
Day 27	189.32	5,111.54
Day 28	189.32	5,300.85
Day 29	189.32	5,490.17
Day 30	189.32	5,679.49
Day 31	189.32	5,868.80
Day 32	189.32	6,058.12
Day 33	189.32	6,247.44
Day 34	189.32	6,436.75
Day 35	189.32	6,626.07
Day 36	189.32	6,815.38
Day 37	189.32	7,004.70
Day 38	189.32	7,194.02
Day 39	189.32	7,383.33
Day 40	189.32	7,572.65
Day 41	189.32	7,761.97
Day 42	189.32	7,951.28
Day 43	189.32	8,140.60
Day 44	189.32	8,329.91
Day 45	189.32	8,519.23
Day 46	189.32	8,708.55
Day 47	189.32	8,897.86
Day 48	189.32	9,087.18
Day 49	189.32	9,276.50
Day 50	189.32	9,465.81
Day 51	189.32	9,655.13
Day 52	189.32	9,844.44
Day 53	189.32	10,033.76
Day 54	189.32	10,223.08
Day 55	189.32	10,412.39
Day 56	189.32	10,601.71
Day 57	189.32	10,791.03
Day 58	189.32	10,980.34
Day 59	189.32	11,169.66
Day 60	189.32	11,358.97
Day 61	189.32	11,548.29
Day 62	189.32	11,737.61
Day 63	189.32	11,926.92
Day 64	189.32	12,116.24
Day 65	189.32	12,305.56
Day 66	189.32	12,494.87
Day 67	189.32	12,684.19
Day 68	189.32	12,873.50
Day 69	189.32	13,062.82
Day 70	189.32	13,252.14
Day 71	189.32	13,441.45
Day 72	189.32	13,630.77
Day 73	189.32	13,820.09
Day 74	189.32	14,009.40
Day 75	189.32	14,198.72
Day 76	189.32	14,388.03
Day 77	189.32	14,577.35
Day 78	189.32	14,766.67
Day 79	189.32	14,955.98
Day 80	189.32	15,145.30
Day 81	189.32	15,334.62
Day 82	189.32	15,523.93
Day 83	189.32	15,713.25
Day 84	189.32	15,902.56
Day 85	189.32	16,091.88
Day 86	189.32	16,281.20
Day 87	189.32	16,470.51
Day 88	189.32	16,659.83
Day 89	189.32	16,849.15
Day 90	189.32	17,038.46
Day 91	189.32	17,227.78
Day 92	189.32	17,417.09
Day 93	189.32	17,606.41
Day 94	189.32	17,795.73
Day 95	189.32	17,985.04
Day 96	189.32	18,174.36
Day 97	189.32	18,363.68
Day 98	189.32	18,552.99
Day 99	189.32	18,742.31
Day 100	189.32	18,931.62
Day 101	189.32	19,120.94
Day 102	189.32	19,310.26
Day 103	189.32	19,499.57
Day 104	189.32	19,688.89
Day 105	189.32	19,878.21
Day 106	189.32	20,067.52
Day 107	189.32	20,256.84
Day 108	189.32	20,446.15
Day 109	189.32	20,635.47
Day 110	189.32	20,824.79
Day 111	189.32	21,014.10
Day 112	189.32	21,203.42
Day 113	189.32	21,392.74
Day 114	189.32	21,582.05
Day 115	189.32	21,771.37
Day 116	189.32	21,960.68
Day 117	189.32	22,150.00
Day 118	189.32	22,339.32
Day 119	189.32	22,528.63
Day 120	189.32	22,717.95
Day 121	189.32	22,907.26
Day 122	189.32	23,096.58
Day 123	189.32	23,285.90
Day 124	189.32	23,475.21
Day 125	189.32	23,664.53
Day 126	189.32	23,853.85
Day 127	189.32	24,043.16
Day 128	189.32	24,232.48
Day 129	189.32	24,421.79
Day 130	189.32	24,611.11
Day 131	189.32	24,800.43
Day 132	189.32	24,989.74
Day 133	189.32	25,179.06
Day 134	189.32	25,368.38
Day 135	189.32	25,557.69
Day 136	189.32	25,747.01
Day 137	189.32	25,936.32
Day 138	189.32	26,125.64
Day 139	189.32	26,314.96
Day 140	189.32	26,504.27
Day 141	189.32	26,693.59
Day 142	189.32	26,882.91
Day 143	189.32	27,072.22
Day 144	189.32	27,261.54
Day 145	189.32	27,450.85
Day 146	189.32	27,640.17
Day 147	189.32	27,829.49
Day 148	189.32	28,018.80
Day 149	189.32	28,208.12
Day 150	189.32	28,397.44
Day 151	189.32	28,586.75
Day 152	189.32	28,776.07
Day 153	189.32	28,965.38
Day 154	189.32	29,154.70
Day 155	189.32	29,344.02
Day 156	189.32	29,533.33
Day 157	189.32	29,722.65
Day 158	189.32	29,911.97
Day 159	189.32	30,101.28
Day 160	189.32	30,290.60
Day 161	189.32	30,479.91
Day 162	189.32	30,669.23
Day 163	189.32	30,858.55
Day 164	189.32	31,047.86
Day 165	189.32	31,237.18
Day 166	189.32	31,426.50
Day 167	189.32	31,615.81
Day 168	189.32	31,805.13
Day 169	189.32	31,994.44
Day 170	189.32	32,183.76
Day 171	189.32	32,373.08
Day 172	189.32	32,562.39
Day 173	189.32	32,751.71
Day 174	189.32	32,941.03
Day 175	189.32	33,130.34
Day 176	189.32	33,319.66
Day 177	189.32	33,508.97
Day 178	189.32	33,698.29
Day 179	189.32	33,887.61
Day 180	189.32	34,076.92
Day 181	189.32	34,266.24
Day 182	189.32	34,455.56
Day 183	189.32	34,644.87
Day 184	189.32	34,834.19
Day 185	189.32	35,023.50
Day 186	189.32	35,212.82
Day 187	189.32	35,402.14
Day 188	189.32	35,591.45
Day 189	189.32	35,780.77
Day 190	189.32	35,970.09
Day 191	189.32	36,159.40
Day 192	189.32	36,348.72
Day 193	189.32	36,538.03
Day 194	189.32	36,727.35
Day 195	189.32	36,916.67
Day 196	189.32	37,105.98
Day 197	189.32	37,295.30
Day 198	189.32	37,484.62
Day 199	189.32	37,673.93
Day 200	189.32	37,863.25
Day 201	189.32	38,052.56
Day 202	189.32	38,241.88
Day 203	189.32	38,431.20
Day 204	189.32	38,620.51
Day 205	189.32	38,809.83
Day 206	189.32	38,999.15
Day 207	189.32	39,188.46
Day 208	189.32	39,377.78
Day 209	189.32	39,567.09
Day 210	189.32	39,756.41
Day 211	189.32	39,945.73
Day 212	189.32	40,135.04
Day 213	189.32	40,324.36
Day 214	189.32	40,513.68
Day 215	189.32	40,702.99
Day 216	189.32	40,892.31
Day 217	189.32	41,081.62
Day 218	189.32	41,270.94
Day 219	189.32	41,460.26
Day 220	189.32	41,649.57
Day 221	189.32	41,838.89
Day 222	189.32	42,028.21
Day 223	189.32	42,217.52
Day 224	189.32	42,406.84
Day 225	189.32	42,596.15
Day 226	189.32	42,785.47
Day 227	189.32	42,974.79
Day 228	189.32	43,164.10
Day 229	189.32	43,353.42
Day 230	189.32	43,542.74
Day 231	189.32	43,732.05
Day 232	189.32	43,921.37
Day 233	189.32	44,110.68
Day 234	189.32	44,300.00
Day 235	189.32	44,489.32
Day 236	189.32	44,678.63
Day 237	189.32	44,867.95
Day 238	189.32	45,057.26
Day 239	189.32	45,246.58
Day 240	189.32	45,435.90
Day 241	189.32	45,625.21
Day 242	189.32	45,814.53
Day 243	189.32	46,003.85
Day 244	189.32	46,193.16
Day 245	189.32	46,382.48
Day 246	189.32	46,571.79
Day 247	189.32	46,761.11
Day 248	189.32	46,950.43
Day 249	189.32	47,139.74
Day 250	189.32	47,329.06
Day 251	189.32	47,518.38
Day 252	189.32	47,707.69
Day 253	189.32	47,897.01
Day 254	189.32	48,086.32
Day 255	189.32	48,275.64
Day 256	189.32	48,464.96
Day 257	189.32	48,654.27
Day 258	189.32	48,843.59
Day 259	189.32	49,032.91
Day 260	189.32	49,222.22
Day 261	189.32	49,411.54
Day 262	189.32	49,600.85
Day 263	189.32	49,790.17
Day 264	189.32	49,979.49
Day 265	189.32	50,168.80
Day 266	189.32	50,358.12
Day 267	189.32	50,547.44
Day 268	189.32	50,736.75
Day 269	189.32	50,926.07
Day 270	189.32	51,115.38
Day 271	189.32	51,304.70
Day 272	189.32	51,494.02
Day 273	189.32	51,683.33
Day 274	189.32	51,872.65
Day 275	189.32	52,061.97
Day 276	189.32	52,251.28
Day 277	189.32	52,440.60
Day 278	189.32	52,629.91
Day 279	189.32	52,819.23
Day 280	189.32	53,008.55
Day 281	189.32	53,197.86
Day 282	189.32	53,387.18
Day 283	189.32	53,576.50
Day 284	189.32	53,765.81
Day 285	189.32	53,955.13
Day 286	189.32	54,144.44
Day 287	189.32	54,333.76
Day 288	189.32	54,523.08
Day 289	189.32	54,712.39
Day 290	189.32	54,901.71
Day 291	189.32	55,091.03
Day 292	189.32	55,280.34
Day 293	189.32	55,469.66
Day 294	189.32	55,658.97
Day 295	189.32	55,848.29
Day 296	189.32	56,037.61
Day 297	189.32	56,226.92
Day 298	189.32	56,416.24
Day 299	189.32	56,605.56
Day 300	189.32	56,794.87
Day 301	189.32	56,984.19
Day 302	189.32	57,173.50
Day 303	189.32	57,362.82
Day 304	189.32	57,552.14
Day 305	189.32	57,741.45
Day 306	189.32	57,930.77
Day 307	189.32	58,120.09
Day 308	189.32	58,309.40
Day 309	189.32	58,498.72
Day 310	189.32	58,688.03
Day 311	189.32	58,877.35
Day 312	189.32	59,066.67
Day 313	189.32	59,255.98
Day 314	189.32	59,445.30
Day 315	189.32	59,634.62
Day 316	189.32	59,823.93
Day 317	189.32	60,013.25
Day 318	189.32	60,202.56
Day 319	189.32	60,391.88
Day 320	189.32	60,581.20
Day 321	189.32	60,770.51
Day 322	189.32	60,959.83
Day 323	189.32	61,149.15
Day 324	189.32	61,338.46
Day 325	189.32	61,527.78
Day 326	189.32	61,717.09
Day 327	189.32	61,906.41
Day 328	189.32	62,095.73
Day 329	189.32	62,285.04
Day 330	189.32	62,474.36
Day 331	189.32	62,663.68
Day 332	189.32	62,852.99
Day 333	189.32	63,042.31
Day 334	189.32	63,231.62
Day 335	189.32	63,420.94
Day 336	189.32	63,610.26
Day 337	189.32	63,799.57
Day 338	189.32	63,988.89
Day 339	189.32	64,178.21
Day 340	189.32	64,367.52
Day 341	189.32	64,556.84
Day 342	189.32	64,746.15
Day 343	189.32	64,935.47
Day 344	189.32	65,124.79
Day 345	189.32	65,314.10
Day 346	189.32	65,503.42
Day 347	189.32	65,692.74
Day 348	189.32	65,882.05
Day 349	189.32	66,071.37
Day 350	189.32	66,260.68
Day 351	189.32	66,450.00
Day 352	189.32	66,639.32
Day 353	189.32	66,828.63
Day 354	189.32	67,017.95
Day 355	189.32	67,207.26
Day 356	189.32	67,396.58
Day 357	189.32	67,585.90
Day 358	189.32	67,775.21
Day 359	189.32	67,964.53
Day 360	189.32	68,153.85
Day 361	189.32	68,343.16
Day 362	189.32	68,532.48
Day 363	189.32	68,721.79
Day 364	189.32	68,911.11
Day 365	189.32	69,100.43
Day 366	189.32	69,289.74
Day 367	189.32	69,479.06
Day 368	189.32	69,668.38
Day 369	189.32	69,857.69
Day 370	189.32	70,047.01
Day 371	189.32	70,236.32
Day 372	189.32	70,425.64
Day 373	189.32	70,614.96
Day 374	189.32	70,804.27
Day 375	189.32	70,993.59
Day 376	189.32	71,182.91
Day 377	189.32	71,372.22
Day 378	189.32	71,561.54
Day 379	189.32	71,750.85
Day 380	189.32	71,940.17
Day 381	189.32	72,129.49
Day 382	189.32	72,318.80
Day 383	189.32	72,508.12
Day 384	189.32	72,697.44
Day 385	189.32	72,886.75
Day 386	189.32	73,076.07
Day 387	189.32	73,265.38
Day 388	189.32	73,454.70
Day 389	189.32	73,644.02
Day 390	189.32	73,833.33
Day 391	189.32	74,022.65
Day 392	189.32	74,211.97
Day 393	189.32	74,401.28
Day 394	189.32	74,590.60
Day 395	189.32	74,779.91
Day 396	189.32	74,969.23
Day 397	189.32	75,158.55
Day 398	189.32	75,347.86
Day 399	189.32	75,537.18
Day 400	189.32	75,726.50
Day 401	189.32	75,915.81
Day 402	189.32	76,105.13
Day 403	189.32	76,294.44
Day 404	189.32	76,483.76
Day 405	189.32	76,673.08
Day 406	189.32	76,862.39
Day 407	189.32	77,051.71
Day 408	189.32	77,241.03
Day 409	189.32	77,430.34
Day 410	189.32	77,619.66
Day 411	189.32	77,808.97
Day 412	189.32	77,998.29
Day 413	189.32	78,187.61
Day 414	189.32	78,376.92
Day 415	189.32	78,566.24
Day 416	189.32	78,755.56
Day 417	189.32	78,944.87
Day 418	189.32	79,134.19
Day 419	189.32	79,323.50
Day 420	189.32	79,512.82
Day 421	189.32	79,702.14
Day 422	189.32	79,891.45
Day 423	189.32	80,080.77
Day 424	189.32	80,270.09
Day 425	189.32	80,459.40
Day 426	189.32	80,648.72
Day 427	189.32	80,838.03
Day 428	189.32	81,027.35
Day 429	189.32	81,216.67
Day 430	189.32	81,405.98
Day 431	189.32	81,595.30
Day 432	189.32	81,784.62
Day 433	189.32	81,973.93
Day 434	189.32	82,163.25
Day 435	189.32	82,352.56
Day 436	189.32	82,541.88
Day 437	189.32	82,731.20
Day 438	189.32	82,920.51
Day 439	189.32	83,109.83
Day 440	189.32	83,299.15
Day 441	189.32	83,488.46
Day 442	189.32	83,677.78
Day 443	189.32	83,867.09
Day 444	189.32	84,056.41
Day 445	189.32	84,245.73
Day 446	189.32	84,435.04
Day 447	189.32	84,624.36
Day 448	189.32	84,813.68
Day 449	189.32	85,002.99
Day 450	189.32	85,192.31
Day 451	189.32	85,381.62
Day 452	189.32	85,570.94
Day 453	189.32	85,760.26
Day 454	189.32	85,949.57
Day 455	189.32	86,138.89
Day 456	189.32	86,328.21
Day 457	189.32	86,517.52
Day 458	189.32	86,706.84
Day 459	189.32	86,896.15
Day 460	189.32	87,085.47
Day 461	189.32	87,274.79
Day 462	189.32	87,464.10
Day 463	189.32	87,653.42
Day 464	189.32	87,842.74
Day 465	189.32	88,032.05
Day 466	189.32	88,221.37
Day 467	189.32	88,410.68
Day 468	189.32	88,600.00