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
		262 days	354 days	550 days	5 days
#1	370 days	-4.81%	-0.08%	-11.99%	-84.49%
Additional time frames
#2	371 days	-4.87%	-0.1%	-11.88%	-84.54%
#3	369 days	-4.75%	-0.07%	-12.12%	-84.45%
#4	368 days	-4.69%	-0.07%	-12.23%	-84.41%
#5	372 days	-4.94%	-0.12%	-11.77%	-84.58%

DCA Allocation Strategy for 370 days

	Allocate	Total allocation
Day 1	210.27	210.27
Day 2	210.27	420.54
Day 3	210.27	630.81
Day 4	210.27	841.08
Day 5	210.27	1,051.35
Day 6	210.27	1,261.62
Day 7	210.27	1,471.89
Day 8	210.27	1,682.16
Day 9	210.27	1,892.43
Day 10	210.27	2,102.70
Day 11	210.27	2,312.97
Day 12	210.27	2,523.24
Day 13	210.27	2,733.51
Day 14	210.27	2,943.78
Day 15	210.27	3,154.05
Day 16	210.27	3,364.32
Day 17	210.27	3,574.59
Day 18	210.27	3,784.86
Day 19	210.27	3,995.14
Day 20	210.27	4,205.41
Day 21	210.27	4,415.68
Day 22	210.27	4,625.95
Day 23	210.27	4,836.22
Day 24	210.27	5,046.49
Day 25	210.27	5,256.76
Day 26	210.27	5,467.03
Day 27	210.27	5,677.30
Day 28	210.27	5,887.57
Day 29	210.27	6,097.84
Day 30	210.27	6,308.11
Day 31	210.27	6,518.38
Day 32	210.27	6,728.65
Day 33	210.27	6,938.92
Day 34	210.27	7,149.19
Day 35	210.27	7,359.46
Day 36	210.27	7,569.73
Day 37	210.27	7,780.00
Day 38	210.27	7,990.27
Day 39	210.27	8,200.54
Day 40	210.27	8,410.81
Day 41	210.27	8,621.08
Day 42	210.27	8,831.35
Day 43	210.27	9,041.62
Day 44	210.27	9,251.89
Day 45	210.27	9,462.16
Day 46	210.27	9,672.43
Day 47	210.27	9,882.70
Day 48	210.27	10,092.97
Day 49	210.27	10,303.24
Day 50	210.27	10,513.51
Day 51	210.27	10,723.78
Day 52	210.27	10,934.05
Day 53	210.27	11,144.32
Day 54	210.27	11,354.59
Day 55	210.27	11,564.86
Day 56	210.27	11,775.14
Day 57	210.27	11,985.41
Day 58	210.27	12,195.68
Day 59	210.27	12,405.95
Day 60	210.27	12,616.22
Day 61	210.27	12,826.49
Day 62	210.27	13,036.76
Day 63	210.27	13,247.03
Day 64	210.27	13,457.30
Day 65	210.27	13,667.57
Day 66	210.27	13,877.84
Day 67	210.27	14,088.11
Day 68	210.27	14,298.38
Day 69	210.27	14,508.65
Day 70	210.27	14,718.92
Day 71	210.27	14,929.19
Day 72	210.27	15,139.46
Day 73	210.27	15,349.73
Day 74	210.27	15,560.00
Day 75	210.27	15,770.27
Day 76	210.27	15,980.54
Day 77	210.27	16,190.81
Day 78	210.27	16,401.08
Day 79	210.27	16,611.35
Day 80	210.27	16,821.62
Day 81	210.27	17,031.89
Day 82	210.27	17,242.16
Day 83	210.27	17,452.43
Day 84	210.27	17,662.70
Day 85	210.27	17,872.97
Day 86	210.27	18,083.24
Day 87	210.27	18,293.51
Day 88	210.27	18,503.78
Day 89	210.27	18,714.05
Day 90	210.27	18,924.32
Day 91	210.27	19,134.59
Day 92	210.27	19,344.86
Day 93	210.27	19,555.14
Day 94	210.27	19,765.41
Day 95	210.27	19,975.68
Day 96	210.27	20,185.95
Day 97	210.27	20,396.22
Day 98	210.27	20,606.49
Day 99	210.27	20,816.76
Day 100	210.27	21,027.03
Day 101	210.27	21,237.30
Day 102	210.27	21,447.57
Day 103	210.27	21,657.84
Day 104	210.27	21,868.11
Day 105	210.27	22,078.38
Day 106	210.27	22,288.65
Day 107	210.27	22,498.92
Day 108	210.27	22,709.19
Day 109	210.27	22,919.46
Day 110	210.27	23,129.73
Day 111	210.27	23,340.00
Day 112	210.27	23,550.27
Day 113	210.27	23,760.54
Day 114	210.27	23,970.81
Day 115	210.27	24,181.08
Day 116	210.27	24,391.35
Day 117	210.27	24,601.62
Day 118	210.27	24,811.89
Day 119	210.27	25,022.16
Day 120	210.27	25,232.43
Day 121	210.27	25,442.70
Day 122	210.27	25,652.97
Day 123	210.27	25,863.24
Day 124	210.27	26,073.51
Day 125	210.27	26,283.78
Day 126	210.27	26,494.05
Day 127	210.27	26,704.32
Day 128	210.27	26,914.59
Day 129	210.27	27,124.86
Day 130	210.27	27,335.14
Day 131	210.27	27,545.41
Day 132	210.27	27,755.68
Day 133	210.27	27,965.95
Day 134	210.27	28,176.22
Day 135	210.27	28,386.49
Day 136	210.27	28,596.76
Day 137	210.27	28,807.03
Day 138	210.27	29,017.30
Day 139	210.27	29,227.57
Day 140	210.27	29,437.84
Day 141	210.27	29,648.11
Day 142	210.27	29,858.38
Day 143	210.27	30,068.65
Day 144	210.27	30,278.92
Day 145	210.27	30,489.19
Day 146	210.27	30,699.46
Day 147	210.27	30,909.73
Day 148	210.27	31,120.00
Day 149	210.27	31,330.27
Day 150	210.27	31,540.54
Day 151	210.27	31,750.81
Day 152	210.27	31,961.08
Day 153	210.27	32,171.35
Day 154	210.27	32,381.62
Day 155	210.27	32,591.89
Day 156	210.27	32,802.16
Day 157	210.27	33,012.43
Day 158	210.27	33,222.70
Day 159	210.27	33,432.97
Day 160	210.27	33,643.24
Day 161	210.27	33,853.51
Day 162	210.27	34,063.78
Day 163	210.27	34,274.05
Day 164	210.27	34,484.32
Day 165	210.27	34,694.59
Day 166	210.27	34,904.86
Day 167	210.27	35,115.14
Day 168	210.27	35,325.41
Day 169	210.27	35,535.68
Day 170	210.27	35,745.95
Day 171	210.27	35,956.22
Day 172	210.27	36,166.49
Day 173	210.27	36,376.76
Day 174	210.27	36,587.03
Day 175	210.27	36,797.30
Day 176	210.27	37,007.57
Day 177	210.27	37,217.84
Day 178	210.27	37,428.11
Day 179	210.27	37,638.38
Day 180	210.27	37,848.65
Day 181	210.27	38,058.92
Day 182	210.27	38,269.19
Day 183	210.27	38,479.46
Day 184	210.27	38,689.73
Day 185	210.27	38,900.00
Day 186	210.27	39,110.27
Day 187	210.27	39,320.54
Day 188	210.27	39,530.81
Day 189	210.27	39,741.08
Day 190	210.27	39,951.35
Day 191	210.27	40,161.62
Day 192	210.27	40,371.89
Day 193	210.27	40,582.16
Day 194	210.27	40,792.43
Day 195	210.27	41,002.70
Day 196	210.27	41,212.97
Day 197	210.27	41,423.24
Day 198	210.27	41,633.51
Day 199	210.27	41,843.78
Day 200	210.27	42,054.05
Day 201	210.27	42,264.32
Day 202	210.27	42,474.59
Day 203	210.27	42,684.86
Day 204	210.27	42,895.14
Day 205	210.27	43,105.41
Day 206	210.27	43,315.68
Day 207	210.27	43,525.95
Day 208	210.27	43,736.22
Day 209	210.27	43,946.49
Day 210	210.27	44,156.76
Day 211	210.27	44,367.03
Day 212	210.27	44,577.30
Day 213	210.27	44,787.57
Day 214	210.27	44,997.84
Day 215	210.27	45,208.11
Day 216	210.27	45,418.38
Day 217	210.27	45,628.65
Day 218	210.27	45,838.92
Day 219	210.27	46,049.19
Day 220	210.27	46,259.46
Day 221	210.27	46,469.73
Day 222	210.27	46,680.00
Day 223	210.27	46,890.27
Day 224	210.27	47,100.54
Day 225	210.27	47,310.81
Day 226	210.27	47,521.08
Day 227	210.27	47,731.35
Day 228	210.27	47,941.62
Day 229	210.27	48,151.89
Day 230	210.27	48,362.16
Day 231	210.27	48,572.43
Day 232	210.27	48,782.70
Day 233	210.27	48,992.97
Day 234	210.27	49,203.24
Day 235	210.27	49,413.51
Day 236	210.27	49,623.78
Day 237	210.27	49,834.05
Day 238	210.27	50,044.32
Day 239	210.27	50,254.59
Day 240	210.27	50,464.86
Day 241	210.27	50,675.14
Day 242	210.27	50,885.41
Day 243	210.27	51,095.68
Day 244	210.27	51,305.95
Day 245	210.27	51,516.22
Day 246	210.27	51,726.49
Day 247	210.27	51,936.76
Day 248	210.27	52,147.03
Day 249	210.27	52,357.30
Day 250	210.27	52,567.57
Day 251	210.27	52,777.84
Day 252	210.27	52,988.11
Day 253	210.27	53,198.38
Day 254	210.27	53,408.65
Day 255	210.27	53,618.92
Day 256	210.27	53,829.19
Day 257	210.27	54,039.46
Day 258	210.27	54,249.73
Day 259	210.27	54,460.00
Day 260	210.27	54,670.27
Day 261	210.27	54,880.54
Day 262	210.27	55,090.81
Day 263	210.27	55,301.08
Day 264	210.27	55,511.35
Day 265	210.27	55,721.62
Day 266	210.27	55,931.89
Day 267	210.27	56,142.16
Day 268	210.27	56,352.43
Day 269	210.27	56,562.70
Day 270	210.27	56,772.97
Day 271	210.27	56,983.24
Day 272	210.27	57,193.51
Day 273	210.27	57,403.78
Day 274	210.27	57,614.05
Day 275	210.27	57,824.32
Day 276	210.27	58,034.59
Day 277	210.27	58,244.86
Day 278	210.27	58,455.14
Day 279	210.27	58,665.41
Day 280	210.27	58,875.68
Day 281	210.27	59,085.95
Day 282	210.27	59,296.22
Day 283	210.27	59,506.49
Day 284	210.27	59,716.76
Day 285	210.27	59,927.03
Day 286	210.27	60,137.30
Day 287	210.27	60,347.57
Day 288	210.27	60,557.84
Day 289	210.27	60,768.11
Day 290	210.27	60,978.38
Day 291	210.27	61,188.65
Day 292	210.27	61,398.92
Day 293	210.27	61,609.19
Day 294	210.27	61,819.46
Day 295	210.27	62,029.73
Day 296	210.27	62,240.00
Day 297	210.27	62,450.27
Day 298	210.27	62,660.54
Day 299	210.27	62,870.81
Day 300	210.27	63,081.08
Day 301	210.27	63,291.35
Day 302	210.27	63,501.62
Day 303	210.27	63,711.89
Day 304	210.27	63,922.16
Day 305	210.27	64,132.43
Day 306	210.27	64,342.70
Day 307	210.27	64,552.97
Day 308	210.27	64,763.24
Day 309	210.27	64,973.51
Day 310	210.27	65,183.78
Day 311	210.27	65,394.05
Day 312	210.27	65,604.32
Day 313	210.27	65,814.59
Day 314	210.27	66,024.86
Day 315	210.27	66,235.14
Day 316	210.27	66,445.41
Day 317	210.27	66,655.68
Day 318	210.27	66,865.95
Day 319	210.27	67,076.22
Day 320	210.27	67,286.49
Day 321	210.27	67,496.76
Day 322	210.27	67,707.03
Day 323	210.27	67,917.30
Day 324	210.27	68,127.57
Day 325	210.27	68,337.84
Day 326	210.27	68,548.11
Day 327	210.27	68,758.38
Day 328	210.27	68,968.65
Day 329	210.27	69,178.92
Day 330	210.27	69,389.19
Day 331	210.27	69,599.46
Day 332	210.27	69,809.73
Day 333	210.27	70,020.00
Day 334	210.27	70,230.27
Day 335	210.27	70,440.54
Day 336	210.27	70,650.81
Day 337	210.27	70,861.08
Day 338	210.27	71,071.35
Day 339	210.27	71,281.62
Day 340	210.27	71,491.89
Day 341	210.27	71,702.16
Day 342	210.27	71,912.43
Day 343	210.27	72,122.70
Day 344	210.27	72,332.97
Day 345	210.27	72,543.24
Day 346	210.27	72,753.51
Day 347	210.27	72,963.78
Day 348	210.27	73,174.05
Day 349	210.27	73,384.32
Day 350	210.27	73,594.59
Day 351	210.27	73,804.86
Day 352	210.27	74,015.14
Day 353	210.27	74,225.41
Day 354	210.27	74,435.68
Day 355	210.27	74,645.95
Day 356	210.27	74,856.22
Day 357	210.27	75,066.49
Day 358	210.27	75,276.76
Day 359	210.27	75,487.03
Day 360	210.27	75,697.30
Day 361	210.27	75,907.57
Day 362	210.27	76,117.84
Day 363	210.27	76,328.11
Day 364	210.27	76,538.38
Day 365	210.27	76,748.65
Day 366	210.27	76,958.92
Day 367	210.27	77,169.19
Day 368	210.27	77,379.46
Day 369	210.27	77,589.73
Day 370	210.27	77,800.00