Dollar cost averaging (DCA) in CPF 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 CPF Analysis
CPF DCA Calculator
Dollar Cost Averaging — Central Pacific Financial Corp.
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+87.3%
Final Value$89.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+76.9%
Final Value$84.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+67.6%
Final Value$80.5K
Worst possible — still beats not investing
Best vs Worst gap19.7 pp
Your timing vs best-10.4%
Your timing vs worst+9.3%
If You Keep Investing…
Based on this stock's historical CAGR of 9.4%/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$97K~1.6x your moneyfrom $60K invested
20 Years$335K~2.8x 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~2.8x your money
$100/mo
$4K+$517 est. gain
$8K+$2K est. gain
$19K+$7K est. gain
$67K+$43K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$48K+$18K est. gain
$168K+$108K est. gain
$500/mo
$21K+$3K est. gain
$38K+$8K est. gain
$97K+$37K est. gain
$335K+$215K est. gain
$1,000/mo
$41K+$5K est. gain
$75K+$15K est. gain
$194K+$74K est. gain
$671K+$431K est. gain
* Projection assumes historical CAGR of 9.4% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$29.54
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$28.38
$10,500
$10,107
-3.74%
$-393
Mar 2, 2020
$24.94
$11,000
$9,464
-13.97%
$-1,536
Apr 2, 2020
$14.82
$11,500
$6,124
-46.75%
$-5,376
May 4, 2020
$16.20
$12,000
$7,194
-40.05%
$-4,806
Jun 2, 2020
$16.07
$12,500
$7,736
-38.11%
$-4,764
Jul 2, 2020
$15.04
$13,000
$7,740
-40.46%
$-5,260
Aug 3, 2020
$15.19
$13,500
$8,317
-38.39%
$-5,183
Sep 2, 2020
$15.56
$14,000
$9,144
-34.69%
$-4,856
Oct 2, 2020
$13.92
$14,500
$8,680
-40.14%
$-5,820
Nov 2, 2020
$13.94
$15,000
$9,193
-38.72%
$-5,807
Dec 2, 2020
$17.18
$15,500
$11,978
-22.72%
$-3,522
Jan 4, 2021
$18.57
$16,000
$13,447
-15.96%
$-2,553
Feb 2, 2021
$21.03
$16,500
$15,728
-4.68%
$-772
Mar 2, 2021
$22.97
$17,000
$17,851
+5.00%
$851
Apr 5, 2021
$27.41
$17,500
$21,801
+24.58%
$4,301
May 3, 2021
$28.03
$18,000
$22,794
+26.64%
$4,794
Jun 2, 2021
$28.10
$18,500
$23,550
+27.30%
$5,050
Jul 2, 2021
$25.81
$19,000
$22,131
+16.48%
$3,131
Aug 2, 2021
$25.19
$19,500
$22,099
+13.33%
$2,599
Sep 2, 2021
$24.70
$20,000
$22,376
+11.88%
$2,376
Oct 4, 2021
$26.14
$20,500
$24,180
+17.95%
$3,680
Nov 2, 2021
$27.71
$21,000
$26,133
+24.44%
$5,133
Dec 2, 2021
$27.81
$21,500
$26,969
+25.44%
$5,469
Jan 3, 2022
$28.60
$22,000
$28,236
+28.34%
$6,236
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Frequently Asked Questions
Common questions about DCA investing in CPF
Investing $500 per month in Central Pacific Financial Corp. (CPF) over the past 6 years would be worth approximately $85K today. That's +76.9% total return on $48K invested, with a +9.4% compound annual growth rate (CAGR). This includes $9K from reinvested dividends.