Dollar cost averaging (DCA) in CIA 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+43.8%
Final Value$69.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+31.3%
Final Value$63.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+19.9%
Final Value$57.6K
Worst possible — still beats not investing
Best vs Worst gap23.9 pp
Your timing vs best-12.6%
Your timing vs worst+11.4%
If You Keep Investing…
Based on this stock's historical CAGR of 4.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.1x your moneyfrom $18K invested
5 Years$33K~1.1x your moneyfrom $30K invested
10 Years$75K~1.2x your moneyfrom $60K invested
20 Years$190K~1.6x 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~1.1x your money
10 Years~1.2x your money
20 Years~1.6x your money
$100/mo
$4K+$235 est. gain
$7K+$680 est. gain
$15K+$3K est. gain
$38K+$14K est. gain
$250/mo
$10K+$588 est. gain
$17K+$2K est. gain
$37K+$7K est. gain
$95K+$35K est. gain
$500/mo
$19K+$1K est. gain
$33K+$3K est. gain
$75K+$15K est. gain
$190K+$70K est. gain
$1,000/mo
$38K+$2K est. gain
$67K+$7K est. gain
$150K+$30K est. gain
$379K+$139K est. gain
* Projection assumes historical CAGR of 4.4% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$6.94
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$6.43
$10,500
$9,765
-7.00%
$-735
Mar 2, 2020
$6.14
$11,000
$9,825
-10.68%
$-1,175
Apr 2, 2020
$5.43
$11,500
$9,189
-20.10%
$-2,311
May 4, 2020
$5.69
$12,000
$10,129
-15.59%
$-1,871
Jun 2, 2020
$6.00
$12,500
$11,180
-10.56%
$-1,320
Jul 2, 2020
$5.73
$13,000
$11,177
-14.02%
$-1,823
Aug 3, 2020
$5.69
$13,500
$11,599
-14.08%
$-1,901
Sep 2, 2020
$6.12
$14,000
$12,976
-7.32%
$-1,024
Oct 2, 2020
$5.65
$14,500
$12,479
-13.94%
$-2,021
Nov 2, 2020
$5.83
$15,000
$13,377
-10.82%
$-1,623
Dec 2, 2020
$6.25
$15,500
$14,841
-4.25%
$-659
Jan 4, 2021
$5.59
$16,000
$13,773
-13.92%
$-2,227
Feb 2, 2021
$5.90
$16,500
$15,037
-8.87%
$-1,463
Mar 2, 2021
$6.30
$17,000
$16,557
-2.61%
$-443
Apr 5, 2021
$5.73
$17,500
$15,559
-11.09%
$-1,941
May 3, 2021
$5.90
$18,000
$16,520
-8.22%
$-1,480
Jun 2, 2021
$5.19
$18,500
$15,032
-18.74%
$-3,468
Jul 2, 2021
$5.41
$19,000
$16,170
-14.90%
$-2,830
Aug 2, 2021
$5.36
$19,500
$16,520
-15.28%
$-2,980
Sep 2, 2021
$6.05
$20,000
$19,147
-4.27%
$-853
Oct 4, 2021
$6.30
$20,500
$20,438
-0.30%
$-62
Nov 2, 2021
$6.45
$21,000
$21,425
+2.02%
$425
Dec 2, 2021
$5.81
$21,500
$19,799
-7.91%
$-1,701
Jan 3, 2022
$5.38
$22,000
$18,833
-14.39%
$-3,167
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Frequently Asked Questions
Common questions about DCA investing in CIA
Investing $500 per month in Citizens, Inc. (CIA) over the past 6 years would be worth approximately $63K today. That's +31.3% total return on $48K invested, with a +4.4% compound annual growth rate (CAGR).