Dollar cost averaging (DCA) in CF 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.
More CF Analysis
CF DCA Calculator
Dollar Cost Averaging — CF Industries Holdings, Inc.
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+157.9%
Final Value$123.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+143.9%
Final Value$117.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+129.3%
Final Value$110.1K
Worst possible — still beats not investing
Best vs Worst gap28.6 pp
Your timing vs best-14.1%
Your timing vs worst+14.6%
If You Keep Investing…
Based on this stock's historical CAGR of 15.1%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$43K~1.4x your moneyfrom $30K invested
10 Years$131K~2.2x your moneyfrom $60K invested
20 Years$664K~5.5x 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~1.4x your money
10 Years~2.2x your money
20 Years~5.5x your money
$100/mo
$4K+$852 est. gain
$9K+$3K est. gain
$26K+$14K est. gain
$133K+$109K est. gain
$250/mo
$11K+$2K est. gain
$22K+$7K est. gain
$65K+$35K est. gain
$332K+$272K est. gain
$500/mo
$22K+$4K est. gain
$43K+$13K est. gain
$131K+$71K est. gain
$664K+$544K est. gain
$1,000/mo
$45K+$9K est. gain
$87K+$27K est. gain
$261K+$141K est. gain
$1.3M+$1.1M est. gain
* Projection assumes historical CAGR of 15.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$46.40
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$39.75
$10,500
$9,067
-13.65%
$-1,433
Mar 2, 2020
$38.22
$11,000
$9,284
-15.60%
$-1,716
Apr 2, 2020
$25.70
$11,500
$6,743
-41.37%
$-4,757
May 4, 2020
$26.28
$12,000
$7,395
-38.37%
$-4,605
Jun 2, 2020
$30.91
$12,500
$9,304
-25.57%
$-3,196
Jul 2, 2020
$29.38
$13,000
$9,343
-28.13%
$-3,657
Aug 3, 2020
$31.45
$13,500
$10,502
-22.21%
$-2,998
Sep 2, 2020
$33.97
$14,000
$11,940
-14.71%
$-2,060
Oct 2, 2020
$30.57
$14,500
$11,245
-22.45%
$-3,255
Nov 2, 2020
$28.07
$15,000
$10,825
-27.83%
$-4,175
Dec 2, 2020
$37.85
$15,500
$15,239
-1.68%
$-261
Jan 4, 2021
$38.53
$16,000
$16,013
+0.08%
$13
Feb 2, 2021
$43.40
$16,500
$18,537
+12.34%
$2,037
Mar 2, 2021
$46.01
$17,000
$20,284
+19.32%
$3,284
Apr 5, 2021
$45.42
$17,500
$20,524
+17.28%
$3,024
May 3, 2021
$49.61
$18,000
$22,918
+27.32%
$4,918
Jun 2, 2021
$54.51
$18,500
$25,820
+39.57%
$7,320
Jul 2, 2021
$51.59
$19,000
$24,937
+31.25%
$5,937
Aug 2, 2021
$45.96
$19,500
$22,716
+16.49%
$3,216
Sep 2, 2021
$45.96
$20,000
$23,357
+16.78%
$3,357
Oct 4, 2021
$60.74
$20,500
$31,368
+53.01%
$10,868
Nov 2, 2021
$56.41
$21,000
$29,632
+41.10%
$8,632
Dec 2, 2021
$59.30
$21,500
$31,794
+47.88%
$10,294
Jan 3, 2022
$70.59
$22,000
$38,348
+74.31%
$16,348
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Frequently Asked Questions
Common questions about DCA investing in CF
Investing $500 per month in CF Industries Holdings, Inc. (CF) over the past 6 years would be worth approximately $117K today. That's +143.9% total return on $48K invested, with a +15.1% compound annual growth rate (CAGR). This includes $6K from reinvested dividends.