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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 218 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2022 Cycle2018 Cycle2014 Cycle2010 Cycle
171 days250 days456 days1 days
#1
218 days-3.59%-2.83%-16.13%-55.04%
Additional time frames
#2217 days-3.52%-2.95%-16.26%-54.86%
#3216 days-3.45%-3.07%-16.39%-54.68%
#4219 days-3.66%-2.71%-16.01%-55.22%
#5215 days-3.38%-3.19%-16.56%-54.5%

DCA Allocation Strategy for 218 days

 AllocateTotal allocation
Day 1296.79296.79
Day 2296.79593.58
Day 3296.79890.37
Day 4296.791,187.16
Day 5296.791,483.94
Day 6296.791,780.73
Day 7296.792,077.52
Day 8296.792,374.31
Day 9296.792,671.10
Day 10296.792,967.89
Day 11296.793,264.68
Day 12296.793,561.47
Day 13296.793,858.26
Day 14296.794,155.05
Day 15296.794,451.83
Day 16296.794,748.62
Day 17296.795,045.41
Day 18296.795,342.20
Day 19296.795,638.99
Day 20296.795,935.78
Day 21296.796,232.57
Day 22296.796,529.36
Day 23296.796,826.15
Day 24296.797,122.94
Day 25296.797,419.72
Day 26296.797,716.51
Day 27296.798,013.30
Day 28296.798,310.09
Day 29296.798,606.88
Day 30296.798,903.67
Day 31296.799,200.46
Day 32296.799,497.25
Day 33296.799,794.04
Day 34296.7910,090.83
Day 35296.7910,387.61
Day 36296.7910,684.40
Day 37296.7910,981.19
Day 38296.7911,277.98
Day 39296.7911,574.77
Day 40296.7911,871.56
Day 41296.7912,168.35
Day 42296.7912,465.14
Day 43296.7912,761.93
Day 44296.7913,058.72
Day 45296.7913,355.50
Day 46296.7913,652.29
Day 47296.7913,949.08
Day 48296.7914,245.87
Day 49296.7914,542.66
Day 50296.7914,839.45
Day 51296.7915,136.24
Day 52296.7915,433.03
Day 53296.7915,729.82
Day 54296.7916,026.61
Day 55296.7916,323.39
Day 56296.7916,620.18
Day 57296.7916,916.97
Day 58296.7917,213.76
Day 59296.7917,510.55
Day 60296.7917,807.34
Day 61296.7918,104.13
Day 62296.7918,400.92
Day 63296.7918,697.71
Day 64296.7918,994.50
Day 65296.7919,291.28
Day 66296.7919,588.07
Day 67296.7919,884.86
Day 68296.7920,181.65
Day 69296.7920,478.44
Day 70296.7920,775.23
Day 71296.7921,072.02
Day 72296.7921,368.81
Day 73296.7921,665.60
Day 74296.7921,962.39
Day 75296.7922,259.17
Day 76296.7922,555.96
Day 77296.7922,852.75
Day 78296.7923,149.54
Day 79296.7923,446.33
Day 80296.7923,743.12
Day 81296.7924,039.91
Day 82296.7924,336.70
Day 83296.7924,633.49
Day 84296.7924,930.28
Day 85296.7925,227.06
Day 86296.7925,523.85
Day 87296.7925,820.64
Day 88296.7926,117.43
Day 89296.7926,414.22
Day 90296.7926,711.01
Day 91296.7927,007.80
Day 92296.7927,304.59
Day 93296.7927,601.38
Day 94296.7927,898.17
Day 95296.7928,194.95
Day 96296.7928,491.74
Day 97296.7928,788.53
Day 98296.7929,085.32
Day 99296.7929,382.11
Day 100296.7929,678.90
Day 101296.7929,975.69
Day 102296.7930,272.48
Day 103296.7930,569.27
Day 104296.7930,866.06
Day 105296.7931,162.84
Day 106296.7931,459.63
Day 107296.7931,756.42
Day 108296.7932,053.21
Day 109296.7932,350.00
Day 110296.7932,646.79
Day 111296.7932,943.58
Day 112296.7933,240.37
Day 113296.7933,537.16
Day 114296.7933,833.94
Day 115296.7934,130.73
Day 116296.7934,427.52
Day 117296.7934,724.31
Day 118296.7935,021.10
Day 119296.7935,317.89
Day 120296.7935,614.68
Day 121296.7935,911.47
Day 122296.7936,208.26
Day 123296.7936,505.05
Day 124296.7936,801.83
Day 125296.7937,098.62
Day 126296.7937,395.41
Day 127296.7937,692.20
Day 128296.7937,988.99
Day 129296.7938,285.78
Day 130296.7938,582.57
Day 131296.7938,879.36
Day 132296.7939,176.15
Day 133296.7939,472.94
Day 134296.7939,769.72
Day 135296.7940,066.51
Day 136296.7940,363.30
Day 137296.7940,660.09
Day 138296.7940,956.88
Day 139296.7941,253.67
Day 140296.7941,550.46
Day 141296.7941,847.25
Day 142296.7942,144.04
Day 143296.7942,440.83
Day 144296.7942,737.61
Day 145296.7943,034.40
Day 146296.7943,331.19
Day 147296.7943,627.98
Day 148296.7943,924.77
Day 149296.7944,221.56
Day 150296.7944,518.35
Day 151296.7944,815.14
Day 152296.7945,111.93
Day 153296.7945,408.72
Day 154296.7945,705.50
Day 155296.7946,002.29
Day 156296.7946,299.08
Day 157296.7946,595.87
Day 158296.7946,892.66
Day 159296.7947,189.45
Day 160296.7947,486.24
Day 161296.7947,783.03
Day 162296.7948,079.82
Day 163296.7948,376.61
Day 164296.7948,673.39
Day 165296.7948,970.18
Day 166296.7949,266.97
Day 167296.7949,563.76
Day 168296.7949,860.55
Day 169296.7950,157.34
Day 170296.7950,454.13
Day 171296.7950,750.92
Day 172296.7951,047.71
Day 173296.7951,344.50
Day 174296.7951,641.28
Day 175296.7951,938.07
Day 176296.7952,234.86
Day 177296.7952,531.65
Day 178296.7952,828.44
Day 179296.7953,125.23
Day 180296.7953,422.02
Day 181296.7953,718.81
Day 182296.7954,015.60
Day 183296.7954,312.39
Day 184296.7954,609.17
Day 185296.7954,905.96
Day 186296.7955,202.75
Day 187296.7955,499.54
Day 188296.7955,796.33
Day 189296.7956,093.12
Day 190296.7956,389.91
Day 191296.7956,686.70
Day 192296.7956,983.49
Day 193296.7957,280.28
Day 194296.7957,577.06
Day 195296.7957,873.85
Day 196296.7958,170.64
Day 197296.7958,467.43
Day 198296.7958,764.22
Day 199296.7959,061.01
Day 200296.7959,357.80
Day 201296.7959,654.59
Day 202296.7959,951.38
Day 203296.7960,248.17
Day 204296.7960,544.95
Day 205296.7960,841.74
Day 206296.7961,138.53
Day 207296.7961,435.32
Day 208296.7961,732.11
Day 209296.7962,028.90
Day 210296.7962,325.69
Day 211296.7962,622.48
Day 212296.7962,919.27
Day 213296.7963,216.06
Day 214296.7963,512.84
Day 215296.7963,809.63
Day 216296.7964,106.42
Day 217296.7964,403.21
Day 218296.7964,700.00
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