Investing strategy
DCA Calculator
Dollar Cost Averaging vs Lump Sum — which strategy actually wins? Simulate four real-world market scenarios and see what works best for your situation.
Investment details
DCA settings
WeeklyFortnightlyMonthly
6 months12 months24 months
Investment type
Volatility
Simulated price path
Price path
DCA buys
Lump sum entry
Lump Sum WINNER
$0
Gain: $0
Entry price
$1.00
DCA WINNER
$0
Gain: $0
Avg cost/unit
$1.00
Lump sum beats DCA ~68% of the time historically — but DCA reduces regret and emotional stress. Worth something!
Sleep-at-night factor (DCA advantage)
Stressful
Neutral
Peaceful
Historical stat: Vanguard research shows lump sum investing outperforms DCA about 68% of the time over rolling 12-month periods (US, UK, AU markets). DCA wins in falling or volatile markets and significantly reduces the risk of buying at the peak.
Disclaimer: Simulations use seeded pseudo-random price paths for illustration only. Past performance is not indicative of future results. This is not financial advice. Always consult a licensed financial adviser before making investment decisions. Returns are before tax and fees.