DCA Calculator

No. If markets rise consistently, lump sum wins. DCA shines in down or sideways markets. Over 50+ years, lump sum typically outperforms, but DCA reduces timing risk.

Daily, weekly, monthly, or quarterly all reduce timing risk. Monthly is practical for most people. Shorter intervals reduce large market timing mistakes.

Index funds are safer; lower volatility reduces DCA advantage but also caps downside. Individual stocks = higher volatility = DCA more valuable. Match strategy to your risk tolerance.