Dollar cost averaging (DCA) in CGAU 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+186.2%
Final Value$137.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+166.9%
Final Value$128.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+150.1%
Final Value$120.1K
Worst possible — still beats not investing
Best vs Worst gap36.1 pp
Your timing vs best-19.3%
Your timing vs worst+16.8%
If You Keep Investing…
Based on this stock's historical CAGR of 16.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$23K~1.3x your moneyfrom $18K invested
5 Years$45K~1.5x your moneyfrom $30K invested
10 Years$143K~2.4x your moneyfrom $60K invested
20 Years$813K~6.8x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.5x your money
10 Years~2.4x your money
20 Years~6.8x your money
$100/mo
$5K+$953 est. gain
$9K+$3K est. gain
$29K+$17K est. gain
$163K+$139K est. gain
$250/mo
$11K+$2K est. gain
$23K+$8K est. gain
$71K+$41K est. gain
$407K+$347K est. gain
$500/mo
$23K+$5K est. gain
$45K+$15K est. gain
$143K+$83K est. gain
$813K+$693K est. gain
$1,000/mo
$46K+$10K est. gain
$90K+$30K est. gain
$285K+$165K est. gain
$1.6M+$1.4M est. gain
* Projection assumes historical CAGR of 16.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$7.95
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$7.84
$10,500
$10,362
-1.32%
$-138
Mar 2, 2020
$6.36
$11,000
$8,906
-19.04%
$-2,094
Apr 2, 2020
$6.20
$11,500
$9,182
-20.16%
$-2,318
May 4, 2020
$8.85
$12,000
$13,666
+13.88%
$1,666
Jun 2, 2020
$9.91
$12,500
$15,848
+26.78%
$3,348
Jul 2, 2020
$10.81
$13,000
$17,787
+36.82%
$4,787
Aug 3, 2020
$12.59
$13,500
$21,216
+57.15%
$7,716
Sep 2, 2020
$12.89
$14,000
$22,288
+59.20%
$8,288
Oct 2, 2020
$11.60
$14,500
$20,557
+41.77%
$6,057
Nov 2, 2020
$9.16
$15,000
$16,733
+11.55%
$1,733
Dec 2, 2020
$10.57
$15,500
$19,889
+28.32%
$4,389
Jan 4, 2021
$12.01
$16,000
$23,099
+44.37%
$7,099
Feb 2, 2021
$10.53
$16,500
$20,752
+25.77%
$4,252
Mar 2, 2021
$9.75
$17,000
$19,715
+15.97%
$2,715
Apr 5, 2021
$9.03
$17,500
$18,831
+7.61%
$1,331
May 3, 2021
$9.65
$18,000
$20,624
+14.58%
$2,624
Jun 2, 2021
$8.18
$18,500
$18,074
-2.30%
$-426
Jul 2, 2021
$7.79
$19,000
$17,713
-6.78%
$-1,287
Aug 2, 2021
$7.88
$19,500
$18,417
-5.55%
$-1,083
Sep 2, 2021
$7.34
$20,000
$17,782
-11.09%
$-2,218
Oct 4, 2021
$7.27
$20,500
$18,112
-11.65%
$-2,388
Nov 2, 2021
$7.64
$21,000
$19,534
-6.98%
$-1,466
Dec 2, 2021
$7.14
$21,500
$18,877
-12.20%
$-2,623
Jan 3, 2022
$8.32
$22,000
$22,497
+2.26%
$497
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Frequently Asked Questions
Common questions about DCA investing in CGAU
Investing $500 per month in Centerra Gold Inc. (CGAU) over the past 6 years would be worth approximately $128K today. That's +166.9% total return on $48K invested, with a +16.7% compound annual growth rate (CAGR). This includes $5K from reinvested dividends.