Dollar cost averaging (DCA) in COSO 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 COSO Analysis
COSO DCA Calculator
Dollar Cost Averaging — CoastalSouth Bancshares, 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+82.4%
Final Value$88.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+77.0%
Final Value$85.8K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+71.2%
Final Value$83.0K
Worst possible — still beats not investing
Best vs Worst gap11.2 pp
Your timing vs best-5.5%
Your timing vs worst+5.8%
If You Keep Investing…
Based on this stock's historical CAGR of 9.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.1x your moneyfrom $18K invested
5 Years$38K~1.3x your moneyfrom $30K invested
10 Years$96K~1.6x your moneyfrom $60K invested
20 Years$329K~2.7x 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~1.3x your money
10 Years~1.6x your money
20 Years~2.7x your money
$100/mo
$4K+$509 est. gain
$8K+$2K est. gain
$19K+$7K est. gain
$66K+$42K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$48K+$18K est. gain
$165K+$105K est. gain
$500/mo
$21K+$3K est. gain
$38K+$8K est. gain
$96K+$36K est. gain
$329K+$209K est. gain
$1,000/mo
$41K+$5K est. gain
$75K+$15K est. gain
$192K+$72K est. gain
$659K+$419K est. gain
* Projection assumes historical CAGR of 9.3% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.55
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$12.85
$10,500
$10,739
+2.28%
$239
Mar 2, 2020
$12.46
$11,000
$10,913
-0.79%
$-87
Apr 1, 2020
$11.25
$11,500
$10,353
-9.97%
$-1,147
May 1, 2020
$9.02
$12,000
$8,801
-26.66%
$-3,199
Jun 1, 2020
$9.20
$12,500
$9,477
-24.19%
$-3,023
Jul 1, 2020
$9.61
$13,000
$10,399
-20.01%
$-2,601
Aug 3, 2020
$9.95
$13,500
$11,267
-16.54%
$-2,233
Sep 1, 2020
$9.72
$14,000
$11,507
-17.81%
$-2,493
Oct 1, 2020
$11.00
$14,500
$13,522
-6.75%
$-978
Nov 2, 2020
$10.50
$15,000
$13,407
-10.62%
$-1,593
Dec 2, 2020
$13.00
$15,500
$17,099
+10.32%
$1,599
Jan 4, 2021
$12.10
$16,000
$16,416
+2.60%
$416
Feb 2, 2021
$12.55
$16,500
$17,526
+6.22%
$1,026
Mar 2, 2021
$14.00
$17,000
$20,051
+17.95%
$3,051
Apr 1, 2021
$16.00
$17,500
$23,415
+33.80%
$5,915
May 3, 2021
$18.00
$18,000
$26,842
+49.12%
$8,842
Jun 1, 2021
$17.01
$18,500
$25,866
+39.82%
$7,366
Jul 1, 2021
$16.75
$19,000
$25,971
+36.69%
$6,971
Aug 2, 2021
$16.85
$19,500
$26,626
+36.54%
$7,126
Sep 1, 2021
$16.51
$20,000
$26,588
+32.94%
$6,588
Oct 1, 2021
$17.00
$20,500
$27,877
+35.99%
$7,377
Nov 2, 2021
$17.00
$21,000
$28,377
+35.13%
$7,377
Dec 2, 2021
$18.00
$21,500
$30,547
+42.08%
$9,047
Jan 3, 2022
$17.26
$22,000
$29,791
+35.41%
$7,791
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Frequently Asked Questions
Common questions about DCA investing in COSO
Investing $500 per month in CoastalSouth Bancshares, Inc. (COSO) over the past 6 years would be worth approximately $86K today. That's +77.0% total return on $49K invested, with a +9.3% compound annual growth rate (CAGR). This includes $313 from reinvested dividends.