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 271 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2021 Cycle2017 Cycle2013 Cycle2009 Cycle
913 days1 days114 days271 days
#1
271 days-36.03%-64.42%-30.42%0%
Additional time frames
#2272 days-36.02%-64.51%-30.64%-0.07%
#3270 days-36.04%-64.32%-30.21%-0.81%
#4273 days-36%-64.6%-30.85%-0.14%
#5269 days-36.05%-64.22%-29.99%-1.63%

DCA Allocation Strategy for 271 days

 AllocateTotal allocation
Day 1311.81311.81
Day 2311.81623.62
Day 3311.81935.42
Day 4311.811,247.23
Day 5311.811,559.04
Day 6311.811,870.85
Day 7311.812,182.66
Day 8311.812,494.46
Day 9311.812,806.27
Day 10311.813,118.08
Day 11311.813,429.89
Day 12311.813,741.70
Day 13311.814,053.51
Day 14311.814,365.31
Day 15311.814,677.12
Day 16311.814,988.93
Day 17311.815,300.74
Day 18311.815,612.55
Day 19311.815,924.35
Day 20311.816,236.16
Day 21311.816,547.97
Day 22311.816,859.78
Day 23311.817,171.59
Day 24311.817,483.39
Day 25311.817,795.20
Day 26311.818,107.01
Day 27311.818,418.82
Day 28311.818,730.63
Day 29311.819,042.44
Day 30311.819,354.24
Day 31311.819,666.05
Day 32311.819,977.86
Day 33311.8110,289.67
Day 34311.8110,601.48
Day 35311.8110,913.28
Day 36311.8111,225.09
Day 37311.8111,536.90
Day 38311.8111,848.71
Day 39311.8112,160.52
Day 40311.8112,472.32
Day 41311.8112,784.13
Day 42311.8113,095.94
Day 43311.8113,407.75
Day 44311.8113,719.56
Day 45311.8114,031.37
Day 46311.8114,343.17
Day 47311.8114,654.98
Day 48311.8114,966.79
Day 49311.8115,278.60
Day 50311.8115,590.41
Day 51311.8115,902.21
Day 52311.8116,214.02
Day 53311.8116,525.83
Day 54311.8116,837.64
Day 55311.8117,149.45
Day 56311.8117,461.25
Day 57311.8117,773.06
Day 58311.8118,084.87
Day 59311.8118,396.68
Day 60311.8118,708.49
Day 61311.8119,020.30
Day 62311.8119,332.10
Day 63311.8119,643.91
Day 64311.8119,955.72
Day 65311.8120,267.53
Day 66311.8120,579.34
Day 67311.8120,891.14
Day 68311.8121,202.95
Day 69311.8121,514.76
Day 70311.8121,826.57
Day 71311.8122,138.38
Day 72311.8122,450.18
Day 73311.8122,761.99
Day 74311.8123,073.80
Day 75311.8123,385.61
Day 76311.8123,697.42
Day 77311.8124,009.23
Day 78311.8124,321.03
Day 79311.8124,632.84
Day 80311.8124,944.65
Day 81311.8125,256.46
Day 82311.8125,568.27
Day 83311.8125,880.07
Day 84311.8126,191.88
Day 85311.8126,503.69
Day 86311.8126,815.50
Day 87311.8127,127.31
Day 88311.8127,439.11
Day 89311.8127,750.92
Day 90311.8128,062.73
Day 91311.8128,374.54
Day 92311.8128,686.35
Day 93311.8128,998.15
Day 94311.8129,309.96
Day 95311.8129,621.77
Day 96311.8129,933.58
Day 97311.8130,245.39
Day 98311.8130,557.20
Day 99311.8130,869.00
Day 100311.8131,180.81
Day 101311.8131,492.62
Day 102311.8131,804.43
Day 103311.8132,116.24
Day 104311.8132,428.04
Day 105311.8132,739.85
Day 106311.8133,051.66
Day 107311.8133,363.47
Day 108311.8133,675.28
Day 109311.8133,987.08
Day 110311.8134,298.89
Day 111311.8134,610.70
Day 112311.8134,922.51
Day 113311.8135,234.32
Day 114311.8135,546.13
Day 115311.8135,857.93
Day 116311.8136,169.74
Day 117311.8136,481.55
Day 118311.8136,793.36
Day 119311.8137,105.17
Day 120311.8137,416.97
Day 121311.8137,728.78
Day 122311.8138,040.59
Day 123311.8138,352.40
Day 124311.8138,664.21
Day 125311.8138,976.01
Day 126311.8139,287.82
Day 127311.8139,599.63
Day 128311.8139,911.44
Day 129311.8140,223.25
Day 130311.8140,535.06
Day 131311.8140,846.86
Day 132311.8141,158.67
Day 133311.8141,470.48
Day 134311.8141,782.29
Day 135311.8142,094.10
Day 136311.8142,405.90
Day 137311.8142,717.71
Day 138311.8143,029.52
Day 139311.8143,341.33
Day 140311.8143,653.14
Day 141311.8143,964.94
Day 142311.8144,276.75
Day 143311.8144,588.56
Day 144311.8144,900.37
Day 145311.8145,212.18
Day 146311.8145,523.99
Day 147311.8145,835.79
Day 148311.8146,147.60
Day 149311.8146,459.41
Day 150311.8146,771.22
Day 151311.8147,083.03
Day 152311.8147,394.83
Day 153311.8147,706.64
Day 154311.8148,018.45
Day 155311.8148,330.26
Day 156311.8148,642.07
Day 157311.8148,953.87
Day 158311.8149,265.68
Day 159311.8149,577.49
Day 160311.8149,889.30
Day 161311.8150,201.11
Day 162311.8150,512.92
Day 163311.8150,824.72
Day 164311.8151,136.53
Day 165311.8151,448.34
Day 166311.8151,760.15
Day 167311.8152,071.96
Day 168311.8152,383.76
Day 169311.8152,695.57
Day 170311.8153,007.38
Day 171311.8153,319.19
Day 172311.8153,631.00
Day 173311.8153,942.80
Day 174311.8154,254.61
Day 175311.8154,566.42
Day 176311.8154,878.23
Day 177311.8155,190.04
Day 178311.8155,501.85
Day 179311.8155,813.65
Day 180311.8156,125.46
Day 181311.8156,437.27
Day 182311.8156,749.08
Day 183311.8157,060.89
Day 184311.8157,372.69
Day 185311.8157,684.50
Day 186311.8157,996.31
Day 187311.8158,308.12
Day 188311.8158,619.93
Day 189311.8158,931.73
Day 190311.8159,243.54
Day 191311.8159,555.35
Day 192311.8159,867.16
Day 193311.8160,178.97
Day 194311.8160,490.77
Day 195311.8160,802.58
Day 196311.8161,114.39
Day 197311.8161,426.20
Day 198311.8161,738.01
Day 199311.8162,049.82
Day 200311.8162,361.62
Day 201311.8162,673.43
Day 202311.8162,985.24
Day 203311.8163,297.05
Day 204311.8163,608.86
Day 205311.8163,920.66
Day 206311.8164,232.47
Day 207311.8164,544.28
Day 208311.8164,856.09
Day 209311.8165,167.90
Day 210311.8165,479.70
Day 211311.8165,791.51
Day 212311.8166,103.32
Day 213311.8166,415.13
Day 214311.8166,726.94
Day 215311.8167,038.75
Day 216311.8167,350.55
Day 217311.8167,662.36
Day 218311.8167,974.17
Day 219311.8168,285.98
Day 220311.8168,597.79
Day 221311.8168,909.59
Day 222311.8169,221.40
Day 223311.8169,533.21
Day 224311.8169,845.02
Day 225311.8170,156.83
Day 226311.8170,468.63
Day 227311.8170,780.44
Day 228311.8171,092.25
Day 229311.8171,404.06
Day 230311.8171,715.87
Day 231311.8172,027.68
Day 232311.8172,339.48
Day 233311.8172,651.29
Day 234311.8172,963.10
Day 235311.8173,274.91
Day 236311.8173,586.72
Day 237311.8173,898.52
Day 238311.8174,210.33
Day 239311.8174,522.14
Day 240311.8174,833.95
Day 241311.8175,145.76
Day 242311.8175,457.56
Day 243311.8175,769.37
Day 244311.8176,081.18
Day 245311.8176,392.99
Day 246311.8176,704.80
Day 247311.8177,016.61
Day 248311.8177,328.41
Day 249311.8177,640.22
Day 250311.8177,952.03
Day 251311.8178,263.84
Day 252311.8178,575.65
Day 253311.8178,887.45
Day 254311.8179,199.26
Day 255311.8179,511.07
Day 256311.8179,822.88
Day 257311.8180,134.69
Day 258311.8180,446.49
Day 259311.8180,758.30
Day 260311.8181,070.11
Day 261311.8181,381.92
Day 262311.8181,693.73
Day 263311.8182,005.54
Day 264311.8182,317.34
Day 265311.8182,629.15
Day 266311.8182,940.96
Day 267311.8183,252.77
Day 268311.8183,564.58
Day 269311.8183,876.38
Day 270311.8184,188.19
Day 271311.8184,500.00