Dollar cost averaging (DCA) in AFL means investing a fixed amount at regular intervals, regardless of share price. This strategy reduces timing risk and builds wealth steadily through market ups and downs.
How This Calculator Works
Our DCA calculator simulates real market conditions using historical price data. It accounts for dividend reinvestment (DRIP), where each dividend payment automatically purchases additional shares. You can adjust the investment amount, frequency, time period, and compare against benchmarks like the S&P 500 and Nasdaq-100.
Same amount invested each month — only the day of purchase changes. How much does intra-month timing actually matter?
Best Timing DCA
StrategyBuy on monthly low
Total Return+110.0%
Final Value$100.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+102.0%
Final Value$97.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+93.8%
Final Value$93.0K
Worst possible — still beats not investing
Best vs Worst gap16.3 pp
Your timing vs best-8.0%
Your timing vs worst+8.3%
If You Keep Investing…
Based on this stock's historical CAGR of 11.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$40K~1.3x your moneyfrom $30K invested
10 Years$109K~1.8x your moneyfrom $60K invested
20 Years$441K~3.7x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.2x your money
5 Years~1.3x your money
10 Years~1.8x your money
20 Years~3.7x your money
$100/mo
$4K+$651 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$88K+$64K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$55K+$25K est. gain
$220K+$160K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$109K+$49K est. gain
$441K+$321K est. gain
$1,000/mo
$43K+$7K est. gain
$80K+$20K est. gain
$219K+$99K est. gain
$882K+$642K est. gain
* Projection assumes historical CAGR of 11.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$53.35
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$52.01
$10,500
$10,249
-2.39%
$-251
Mar 2, 2020
$45.29
$11,000
$9,473
-13.88%
$-1,527
Apr 2, 2020
$31.83
$11,500
$7,158
-37.76%
$-4,342
May 4, 2020
$35.75
$12,000
$8,539
-28.84%
$-3,461
Jun 2, 2020
$37.24
$12,500
$9,469
-24.25%
$-3,031
Jul 2, 2020
$35.26
$13,000
$9,465
-27.19%
$-3,535
Aug 3, 2020
$35.36
$13,500
$9,992
-25.98%
$-3,508
Sep 2, 2020
$36.90
$14,000
$11,006
-21.38%
$-2,994
Oct 2, 2020
$36.88
$14,500
$11,500
-20.69%
$-3,000
Nov 2, 2020
$35.52
$15,000
$11,576
-22.83%
$-3,424
Dec 2, 2020
$45.31
$15,500
$15,363
-0.88%
$-137
Jan 4, 2021
$43.19
$16,000
$15,144
-5.35%
$-856
Feb 2, 2021
$46.31
$16,500
$16,738
+1.44%
$238
Mar 2, 2021
$48.64
$17,000
$18,205
+7.09%
$1,205
Apr 5, 2021
$51.45
$17,500
$19,757
+12.90%
$2,257
May 3, 2021
$54.52
$18,000
$21,436
+19.09%
$3,436
Jun 2, 2021
$57.15
$18,500
$23,103
+24.88%
$4,603
Jul 2, 2021
$54.15
$19,000
$22,390
+17.84%
$3,390
Aug 2, 2021
$54.71
$19,500
$23,121
+18.57%
$3,621
Sep 2, 2021
$55.99
$20,000
$24,299
+21.50%
$4,299
Oct 4, 2021
$52.77
$20,500
$23,402
+14.15%
$2,902
Nov 2, 2021
$55.12
$21,000
$24,944
+18.78%
$3,944
Dec 2, 2021
$55.25
$21,500
$25,647
+19.29%
$4,147
Jan 3, 2022
$58.27
$22,000
$27,549
+25.22%
$5,549
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Frequently Asked Questions
Common questions about DCA investing in AFL
Investing $500 per month in Aflac Incorporated (AFL) over the past 6 years would be worth approximately $97K today. That's +102.0% total return on $48K invested, with a +11.7% compound annual growth rate (CAGR). This includes $7K from reinvested dividends.