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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 38 days.

Recommended DCA Time Frame

Best overall strategyOptimum per cycle
2021 Cycle2017 Cycle2013 Cycle2009 Cycle
855 days37 days29 days217 days
#1
38 days-16.76%-0.36%-0.53%-100%
Additional time frames
#239 days-16.63%-0.55%-0.5%-100%
#337 days-17.08%0%-0.62%-100%
#440 days-16.53%-0.86%-0.46%-100%
#541 days-16.51%-1.09%-0.53%-100%

DCA Allocation Strategy for 38 days

 AllocateTotal allocation
Day 12,755.262,755.26
Day 22,755.265,510.53
Day 32,755.268,265.79
Day 42,755.2611,021.05
Day 52,755.2613,776.32
Day 62,755.2616,531.58
Day 72,755.2619,286.84
Day 82,755.2622,042.11
Day 92,755.2624,797.37
Day 102,755.2627,552.63
Day 112,755.2630,307.89
Day 122,755.2633,063.16
Day 132,755.2635,818.42
Day 142,755.2638,573.68
Day 152,755.2641,328.95
Day 162,755.2644,084.21
Day 172,755.2646,839.47
Day 182,755.2649,594.74
Day 192,755.2652,350.00
Day 202,755.2655,105.26
Day 212,755.2657,860.53
Day 222,755.2660,615.79
Day 232,755.2663,371.05
Day 242,755.2666,126.32
Day 252,755.2668,881.58
Day 262,755.2671,636.84
Day 272,755.2674,392.11
Day 282,755.2677,147.37
Day 292,755.2679,902.63
Day 302,755.2682,657.89
Day 312,755.2685,413.16
Day 322,755.2688,168.42
Day 332,755.2690,923.68
Day 342,755.2693,678.95
Day 352,755.2696,434.21
Day 362,755.2699,189.47
Day 372,755.26101,944.74
Day 382,755.26104,700.00