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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 241 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2021 Cycle2017 Cycle2013 Cycle2009 Cycle
882 days1 days70 days241 days
#1
241 days-35.95%-51.05%-35.87%0%
Additional time frames
#2240 days-35.96%-50.91%-35.64%-0.77%
#3242 days-35.94%-51.18%-36.09%-0.12%
#4239 days-35.97%-50.76%-35.42%-1.54%
#5243 days-35.93%-51.3%-36.3%-0.23%

DCA Allocation Strategy for 241 days

 AllocateTotal allocation
Day 1436.93436.93
Day 2436.93873.86
Day 3436.931,310.79
Day 4436.931,747.72
Day 5436.932,184.65
Day 6436.932,621.58
Day 7436.933,058.51
Day 8436.933,495.44
Day 9436.933,932.37
Day 10436.934,369.29
Day 11436.934,806.22
Day 12436.935,243.15
Day 13436.935,680.08
Day 14436.936,117.01
Day 15436.936,553.94
Day 16436.936,990.87
Day 17436.937,427.80
Day 18436.937,864.73
Day 19436.938,301.66
Day 20436.938,738.59
Day 21436.939,175.52
Day 22436.939,612.45
Day 23436.9310,049.38
Day 24436.9310,486.31
Day 25436.9310,923.24
Day 26436.9311,360.17
Day 27436.9311,797.10
Day 28436.9312,234.02
Day 29436.9312,670.95
Day 30436.9313,107.88
Day 31436.9313,544.81
Day 32436.9313,981.74
Day 33436.9314,418.67
Day 34436.9314,855.60
Day 35436.9315,292.53
Day 36436.9315,729.46
Day 37436.9316,166.39
Day 38436.9316,603.32
Day 39436.9317,040.25
Day 40436.9317,477.18
Day 41436.9317,914.11
Day 42436.9318,351.04
Day 43436.9318,787.97
Day 44436.9319,224.90
Day 45436.9319,661.83
Day 46436.9320,098.76
Day 47436.9320,535.68
Day 48436.9320,972.61
Day 49436.9321,409.54
Day 50436.9321,846.47
Day 51436.9322,283.40
Day 52436.9322,720.33
Day 53436.9323,157.26
Day 54436.9323,594.19
Day 55436.9324,031.12
Day 56436.9324,468.05
Day 57436.9324,904.98
Day 58436.9325,341.91
Day 59436.9325,778.84
Day 60436.9326,215.77
Day 61436.9326,652.70
Day 62436.9327,089.63
Day 63436.9327,526.56
Day 64436.9327,963.49
Day 65436.9328,400.41
Day 66436.9328,837.34
Day 67436.9329,274.27
Day 68436.9329,711.20
Day 69436.9330,148.13
Day 70436.9330,585.06
Day 71436.9331,021.99
Day 72436.9331,458.92
Day 73436.9331,895.85
Day 74436.9332,332.78
Day 75436.9332,769.71
Day 76436.9333,206.64
Day 77436.9333,643.57
Day 78436.9334,080.50
Day 79436.9334,517.43
Day 80436.9334,954.36
Day 81436.9335,391.29
Day 82436.9335,828.22
Day 83436.9336,265.15
Day 84436.9336,702.07
Day 85436.9337,139.00
Day 86436.9337,575.93
Day 87436.9338,012.86
Day 88436.9338,449.79
Day 89436.9338,886.72
Day 90436.9339,323.65
Day 91436.9339,760.58
Day 92436.9340,197.51
Day 93436.9340,634.44
Day 94436.9341,071.37
Day 95436.9341,508.30
Day 96436.9341,945.23
Day 97436.9342,382.16
Day 98436.9342,819.09
Day 99436.9343,256.02
Day 100436.9343,692.95
Day 101436.9344,129.88
Day 102436.9344,566.80
Day 103436.9345,003.73
Day 104436.9345,440.66
Day 105436.9345,877.59
Day 106436.9346,314.52
Day 107436.9346,751.45
Day 108436.9347,188.38
Day 109436.9347,625.31
Day 110436.9348,062.24
Day 111436.9348,499.17
Day 112436.9348,936.10
Day 113436.9349,373.03
Day 114436.9349,809.96
Day 115436.9350,246.89
Day 116436.9350,683.82
Day 117436.9351,120.75
Day 118436.9351,557.68
Day 119436.9351,994.61
Day 120436.9352,431.54
Day 121436.9352,868.46
Day 122436.9353,305.39
Day 123436.9353,742.32
Day 124436.9354,179.25
Day 125436.9354,616.18
Day 126436.9355,053.11
Day 127436.9355,490.04
Day 128436.9355,926.97
Day 129436.9356,363.90
Day 130436.9356,800.83
Day 131436.9357,237.76
Day 132436.9357,674.69
Day 133436.9358,111.62
Day 134436.9358,548.55
Day 135436.9358,985.48
Day 136436.9359,422.41
Day 137436.9359,859.34
Day 138436.9360,296.27
Day 139436.9360,733.20
Day 140436.9361,170.12
Day 141436.9361,607.05
Day 142436.9362,043.98
Day 143436.9362,480.91
Day 144436.9362,917.84
Day 145436.9363,354.77
Day 146436.9363,791.70
Day 147436.9364,228.63
Day 148436.9364,665.56
Day 149436.9365,102.49
Day 150436.9365,539.42
Day 151436.9365,976.35
Day 152436.9366,413.28
Day 153436.9366,850.21
Day 154436.9367,287.14
Day 155436.9367,724.07
Day 156436.9368,161.00
Day 157436.9368,597.93
Day 158436.9369,034.85
Day 159436.9369,471.78
Day 160436.9369,908.71
Day 161436.9370,345.64
Day 162436.9370,782.57
Day 163436.9371,219.50
Day 164436.9371,656.43
Day 165436.9372,093.36
Day 166436.9372,530.29
Day 167436.9372,967.22
Day 168436.9373,404.15
Day 169436.9373,841.08
Day 170436.9374,278.01
Day 171436.9374,714.94
Day 172436.9375,151.87
Day 173436.9375,588.80
Day 174436.9376,025.73
Day 175436.9376,462.66
Day 176436.9376,899.59
Day 177436.9377,336.51
Day 178436.9377,773.44
Day 179436.9378,210.37
Day 180436.9378,647.30
Day 181436.9379,084.23
Day 182436.9379,521.16
Day 183436.9379,958.09
Day 184436.9380,395.02
Day 185436.9380,831.95
Day 186436.9381,268.88
Day 187436.9381,705.81
Day 188436.9382,142.74
Day 189436.9382,579.67
Day 190436.9383,016.60
Day 191436.9383,453.53
Day 192436.9383,890.46
Day 193436.9384,327.39
Day 194436.9384,764.32
Day 195436.9385,201.24
Day 196436.9385,638.17
Day 197436.9386,075.10
Day 198436.9386,512.03
Day 199436.9386,948.96
Day 200436.9387,385.89
Day 201436.9387,822.82
Day 202436.9388,259.75
Day 203436.9388,696.68
Day 204436.9389,133.61
Day 205436.9389,570.54
Day 206436.9390,007.47
Day 207436.9390,444.40
Day 208436.9390,881.33
Day 209436.9391,318.26
Day 210436.9391,755.19
Day 211436.9392,192.12
Day 212436.9392,629.05
Day 213436.9393,065.98
Day 214436.9393,502.90
Day 215436.9393,939.83
Day 216436.9394,376.76
Day 217436.9394,813.69
Day 218436.9395,250.62
Day 219436.9395,687.55
Day 220436.9396,124.48
Day 221436.9396,561.41
Day 222436.9396,998.34
Day 223436.9397,435.27
Day 224436.9397,872.20
Day 225436.9398,309.13
Day 226436.9398,746.06
Day 227436.9399,182.99
Day 228436.9399,619.92
Day 229436.93100,056.85
Day 230436.93100,493.78
Day 231436.93100,930.71
Day 232436.93101,367.63
Day 233436.93101,804.56
Day 234436.93102,241.49
Day 235436.93102,678.42
Day 236436.93103,115.35
Day 237436.93103,552.28
Day 238436.93103,989.21
Day 239436.93104,426.14
Day 240436.93104,863.07
Day 241436.93105,300.00