Free Tools

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 294 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2021 Cycle2017 Cycle2013 Cycle2009 Cycle
936 days3 days1 days294 days
#1
294 days-36.39%-65.33%-41.94%0%
Additional time frames
#2295 days-36.38%-65.42%-42.11%-0.04%
#3296 days-36.36%-65.5%-42.27%-0.08%
#4293 days-36.41%-65.24%-41.78%-0.84%
#5297 days-36.34%-65.59%-42.43%-0.13%

DCA Allocation Strategy for 294 days

 AllocateTotal allocation
Day 1290.14290.14
Day 2290.14580.27
Day 3290.14870.41
Day 4290.141,160.54
Day 5290.141,450.68
Day 6290.141,740.82
Day 7290.142,030.95
Day 8290.142,321.09
Day 9290.142,611.22
Day 10290.142,901.36
Day 11290.143,191.50
Day 12290.143,481.63
Day 13290.143,771.77
Day 14290.144,061.90
Day 15290.144,352.04
Day 16290.144,642.18
Day 17290.144,932.31
Day 18290.145,222.45
Day 19290.145,512.59
Day 20290.145,802.72
Day 21290.146,092.86
Day 22290.146,382.99
Day 23290.146,673.13
Day 24290.146,963.27
Day 25290.147,253.40
Day 26290.147,543.54
Day 27290.147,833.67
Day 28290.148,123.81
Day 29290.148,413.95
Day 30290.148,704.08
Day 31290.148,994.22
Day 32290.149,284.35
Day 33290.149,574.49
Day 34290.149,864.63
Day 35290.1410,154.76
Day 36290.1410,444.90
Day 37290.1410,735.03
Day 38290.1411,025.17
Day 39290.1411,315.31
Day 40290.1411,605.44
Day 41290.1411,895.58
Day 42290.1412,185.71
Day 43290.1412,475.85
Day 44290.1412,765.99
Day 45290.1413,056.12
Day 46290.1413,346.26
Day 47290.1413,636.39
Day 48290.1413,926.53
Day 49290.1414,216.67
Day 50290.1414,506.80
Day 51290.1414,796.94
Day 52290.1415,087.07
Day 53290.1415,377.21
Day 54290.1415,667.35
Day 55290.1415,957.48
Day 56290.1416,247.62
Day 57290.1416,537.76
Day 58290.1416,827.89
Day 59290.1417,118.03
Day 60290.1417,408.16
Day 61290.1417,698.30
Day 62290.1417,988.44
Day 63290.1418,278.57
Day 64290.1418,568.71
Day 65290.1418,858.84
Day 66290.1419,148.98
Day 67290.1419,439.12
Day 68290.1419,729.25
Day 69290.1420,019.39
Day 70290.1420,309.52
Day 71290.1420,599.66
Day 72290.1420,889.80
Day 73290.1421,179.93
Day 74290.1421,470.07
Day 75290.1421,760.20
Day 76290.1422,050.34
Day 77290.1422,340.48
Day 78290.1422,630.61
Day 79290.1422,920.75
Day 80290.1423,210.88
Day 81290.1423,501.02
Day 82290.1423,791.16
Day 83290.1424,081.29
Day 84290.1424,371.43
Day 85290.1424,661.56
Day 86290.1424,951.70
Day 87290.1425,241.84
Day 88290.1425,531.97
Day 89290.1425,822.11
Day 90290.1426,112.24
Day 91290.1426,402.38
Day 92290.1426,692.52
Day 93290.1426,982.65
Day 94290.1427,272.79
Day 95290.1427,562.93
Day 96290.1427,853.06
Day 97290.1428,143.20
Day 98290.1428,433.33
Day 99290.1428,723.47
Day 100290.1429,013.61
Day 101290.1429,303.74
Day 102290.1429,593.88
Day 103290.1429,884.01
Day 104290.1430,174.15
Day 105290.1430,464.29
Day 106290.1430,754.42
Day 107290.1431,044.56
Day 108290.1431,334.69
Day 109290.1431,624.83
Day 110290.1431,914.97
Day 111290.1432,205.10
Day 112290.1432,495.24
Day 113290.1432,785.37
Day 114290.1433,075.51
Day 115290.1433,365.65
Day 116290.1433,655.78
Day 117290.1433,945.92
Day 118290.1434,236.05
Day 119290.1434,526.19
Day 120290.1434,816.33
Day 121290.1435,106.46
Day 122290.1435,396.60
Day 123290.1435,686.73
Day 124290.1435,976.87
Day 125290.1436,267.01
Day 126290.1436,557.14
Day 127290.1436,847.28
Day 128290.1437,137.41
Day 129290.1437,427.55
Day 130290.1437,717.69
Day 131290.1438,007.82
Day 132290.1438,297.96
Day 133290.1438,588.10
Day 134290.1438,878.23
Day 135290.1439,168.37
Day 136290.1439,458.50
Day 137290.1439,748.64
Day 138290.1440,038.78
Day 139290.1440,328.91
Day 140290.1440,619.05
Day 141290.1440,909.18
Day 142290.1441,199.32
Day 143290.1441,489.46
Day 144290.1441,779.59
Day 145290.1442,069.73
Day 146290.1442,359.86
Day 147290.1442,650.00
Day 148290.1442,940.14
Day 149290.1443,230.27
Day 150290.1443,520.41
Day 151290.1443,810.54
Day 152290.1444,100.68
Day 153290.1444,390.82
Day 154290.1444,680.95
Day 155290.1444,971.09
Day 156290.1445,261.22
Day 157290.1445,551.36
Day 158290.1445,841.50
Day 159290.1446,131.63
Day 160290.1446,421.77
Day 161290.1446,711.90
Day 162290.1447,002.04
Day 163290.1447,292.18
Day 164290.1447,582.31
Day 165290.1447,872.45
Day 166290.1448,162.59
Day 167290.1448,452.72
Day 168290.1448,742.86
Day 169290.1449,032.99
Day 170290.1449,323.13
Day 171290.1449,613.27
Day 172290.1449,903.40
Day 173290.1450,193.54
Day 174290.1450,483.67
Day 175290.1450,773.81
Day 176290.1451,063.95
Day 177290.1451,354.08
Day 178290.1451,644.22
Day 179290.1451,934.35
Day 180290.1452,224.49
Day 181290.1452,514.63
Day 182290.1452,804.76
Day 183290.1453,094.90
Day 184290.1453,385.03
Day 185290.1453,675.17
Day 186290.1453,965.31
Day 187290.1454,255.44
Day 188290.1454,545.58
Day 189290.1454,835.71
Day 190290.1455,125.85
Day 191290.1455,415.99
Day 192290.1455,706.12
Day 193290.1455,996.26
Day 194290.1456,286.39
Day 195290.1456,576.53
Day 196290.1456,866.67
Day 197290.1457,156.80
Day 198290.1457,446.94
Day 199290.1457,737.07
Day 200290.1458,027.21
Day 201290.1458,317.35
Day 202290.1458,607.48
Day 203290.1458,897.62
Day 204290.1459,187.76
Day 205290.1459,477.89
Day 206290.1459,768.03
Day 207290.1460,058.16
Day 208290.1460,348.30
Day 209290.1460,638.44
Day 210290.1460,928.57
Day 211290.1461,218.71
Day 212290.1461,508.84
Day 213290.1461,798.98
Day 214290.1462,089.12
Day 215290.1462,379.25
Day 216290.1462,669.39
Day 217290.1462,959.52
Day 218290.1463,249.66
Day 219290.1463,539.80
Day 220290.1463,829.93
Day 221290.1464,120.07
Day 222290.1464,410.20
Day 223290.1464,700.34
Day 224290.1464,990.48
Day 225290.1465,280.61
Day 226290.1465,570.75
Day 227290.1465,860.88
Day 228290.1466,151.02
Day 229290.1466,441.16
Day 230290.1466,731.29
Day 231290.1467,021.43
Day 232290.1467,311.56
Day 233290.1467,601.70
Day 234290.1467,891.84
Day 235290.1468,181.97
Day 236290.1468,472.11
Day 237290.1468,762.24
Day 238290.1469,052.38
Day 239290.1469,342.52
Day 240290.1469,632.65
Day 241290.1469,922.79
Day 242290.1470,212.93
Day 243290.1470,503.06
Day 244290.1470,793.20
Day 245290.1471,083.33
Day 246290.1471,373.47
Day 247290.1471,663.61
Day 248290.1471,953.74
Day 249290.1472,243.88
Day 250290.1472,534.01
Day 251290.1472,824.15
Day 252290.1473,114.29
Day 253290.1473,404.42
Day 254290.1473,694.56
Day 255290.1473,984.69
Day 256290.1474,274.83
Day 257290.1474,564.97
Day 258290.1474,855.10
Day 259290.1475,145.24
Day 260290.1475,435.37
Day 261290.1475,725.51
Day 262290.1476,015.65
Day 263290.1476,305.78
Day 264290.1476,595.92
Day 265290.1476,886.05
Day 266290.1477,176.19
Day 267290.1477,466.33
Day 268290.1477,756.46
Day 269290.1478,046.60
Day 270290.1478,336.73
Day 271290.1478,626.87
Day 272290.1478,917.01
Day 273290.1479,207.14
Day 274290.1479,497.28
Day 275290.1479,787.41
Day 276290.1480,077.55
Day 277290.1480,367.69
Day 278290.1480,657.82
Day 279290.1480,947.96
Day 280290.1481,238.10
Day 281290.1481,528.23
Day 282290.1481,818.37
Day 283290.1482,108.50
Day 284290.1482,398.64
Day 285290.1482,688.78
Day 286290.1482,978.91
Day 287290.1483,269.05
Day 288290.1483,559.18
Day 289290.1483,849.32
Day 290290.1484,139.46
Day 291290.1484,429.59
Day 292290.1484,719.73
Day 293290.1485,009.86
Day 294290.1485,300.00