Dollar cost averaging (DCA) in CCNE 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+52.1%
Final Value$73.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+44.9%
Final Value$69.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+37.7%
Final Value$66.1K
Worst possible — still beats not investing
Best vs Worst gap14.4 pp
Your timing vs best-7.2%
Your timing vs worst+7.2%
If You Keep Investing…
Based on this stock's historical CAGR of 6.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$35K~1.2x your moneyfrom $30K invested
10 Years$81K~1.4x your moneyfrom $60K invested
20 Years$227K~1.9x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.2x your money
10 Years~1.4x your money
20 Years~1.9x your money
$100/mo
$4K+$326 est. gain
$7K+$953 est. gain
$16K+$4K est. gain
$45K+$21K est. gain
$250/mo
$10K+$814 est. gain
$17K+$2K est. gain
$41K+$11K est. gain
$114K+$54K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$81K+$21K est. gain
$227K+$107K est. gain
$1,000/mo
$39K+$3K est. gain
$70K+$10K est. gain
$163K+$43K est. gain
$455K+$215K est. gain
* Projection assumes historical CAGR of 6.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$32.67
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$29.75
$10,500
$9,606
-8.51%
$-894
Mar 2, 2020
$25.32
$11,000
$8,730
-20.63%
$-2,270
Apr 2, 2020
$16.74
$11,500
$6,272
-45.46%
$-5,228
May 4, 2020
$17.08
$12,000
$6,899
-42.51%
$-5,101
Jun 2, 2020
$17.16
$12,500
$7,498
-40.02%
$-5,002
Jul 2, 2020
$16.97
$13,000
$7,915
-39.11%
$-5,085
Aug 3, 2020
$16.48
$13,500
$8,187
-39.36%
$-5,313
Sep 2, 2020
$16.00
$14,000
$8,533
-39.05%
$-5,467
Oct 2, 2020
$15.61
$14,500
$8,825
-39.14%
$-5,675
Nov 2, 2020
$18.41
$15,000
$10,908
-27.28%
$-4,092
Dec 2, 2020
$20.31
$15,500
$12,637
-18.47%
$-2,863
Jan 4, 2021
$20.97
$16,000
$13,548
-15.32%
$-2,452
Feb 2, 2021
$21.78
$16,500
$14,571
-11.69%
$-1,929
Mar 2, 2021
$23.53
$17,000
$16,357
-3.78%
$-643
Apr 5, 2021
$24.87
$17,500
$17,789
+1.65%
$289
May 3, 2021
$25.69
$18,000
$18,876
+4.86%
$876
Jun 2, 2021
$24.21
$18,500
$18,413
-0.47%
$-87
Jul 2, 2021
$23.54
$19,000
$18,403
-3.14%
$-597
Aug 2, 2021
$23.02
$19,500
$18,496
-5.15%
$-1,004
Sep 2, 2021
$24.99
$20,000
$20,718
+3.59%
$718
Oct 4, 2021
$24.49
$20,500
$20,804
+1.48%
$304
Nov 2, 2021
$25.81
$21,000
$22,425
+6.79%
$1,425
Dec 2, 2021
$27.43
$21,500
$24,491
+13.91%
$2,991
Jan 3, 2022
$26.92
$22,000
$24,535
+11.52%
$2,535
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Frequently Asked Questions
Common questions about DCA investing in CCNE
Investing $500 per month in CNB Financial Corporation (CCNE) over the past 6 years would be worth approximately $70K today. That's +44.9% total return on $48K invested, with a +6.0% compound annual growth rate (CAGR). This includes $6K from reinvested dividends.