Dollar cost averaging (DCA) in CTBB 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+55.5%
Final Value$74.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+46.3%
Final Value$70.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+39.8%
Final Value$67.1K
Worst possible — still beats not investing
Best vs Worst gap15.7 pp
Your timing vs best-9.1%
Your timing vs worst+6.5%
If You Keep Investing…
Based on this stock's historical CAGR of 6.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$35K~1.2x your moneyfrom $30K invested
10 Years$82K~1.4x your moneyfrom $60K invested
20 Years$232K~1.9x 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~1.2x your money
10 Years~1.4x your money
20 Years~1.9x your money
$100/mo
$4K+$335 est. gain
$7K+$981 est. gain
$16K+$4K est. gain
$46K+$22K est. gain
$250/mo
$10K+$837 est. gain
$17K+$2K est. gain
$41K+$11K est. gain
$116K+$56K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$82K+$22K est. gain
$232K+$112K est. gain
$1,000/mo
$39K+$3K est. gain
$70K+$10K est. gain
$164K+$44K est. gain
$463K+$223K est. gain
* Projection assumes historical CAGR of 6.2% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$25.70
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$25.79
$10,500
$10,535
+0.33%
$35
Mar 2, 2020
$24.89
$11,000
$10,833
-1.52%
$-167
Apr 2, 2020
$19.03
$11,500
$8,782
-23.63%
$-2,718
May 4, 2020
$23.02
$12,000
$11,124
-7.30%
$-876
Jun 2, 2020
$23.67
$12,500
$12,135
-2.92%
$-365
Jul 2, 2020
$23.58
$13,000
$12,589
-3.16%
$-411
Aug 3, 2020
$24.52
$13,500
$13,591
+0.67%
$91
Sep 2, 2020
$25.16
$14,000
$14,669
+4.78%
$669
Oct 2, 2020
$25.29
$14,500
$15,244
+5.13%
$744
Nov 2, 2020
$25.36
$15,000
$15,787
+5.24%
$787
Dec 2, 2020
$25.70
$15,500
$16,751
+8.07%
$1,251
Jan 4, 2021
$25.44
$16,000
$17,082
+6.76%
$1,082
Feb 2, 2021
$25.63
$16,500
$17,709
+7.33%
$1,209
Mar 2, 2021
$25.38
$17,000
$18,318
+7.75%
$1,318
Apr 5, 2021
$25.67
$17,500
$19,027
+8.73%
$1,527
May 3, 2021
$25.57
$18,000
$19,453
+8.07%
$1,453
Jun 2, 2021
$25.35
$18,500
$20,099
+8.64%
$1,599
Jul 2, 2021
$25.45
$19,000
$20,678
+8.83%
$1,678
Aug 2, 2021
$25.42
$19,500
$21,154
+8.48%
$1,654
Sep 2, 2021
$25.46
$20,000
$22,032
+10.16%
$2,032
Oct 4, 2021
$25.47
$20,500
$22,541
+9.96%
$2,041
Nov 2, 2021
$25.80
$21,000
$23,333
+11.11%
$2,333
Dec 2, 2021
$25.20
$21,500
$23,658
+10.04%
$2,158
Jan 3, 2022
$25.37
$22,000
$24,317
+10.53%
$2,317
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Frequently Asked Questions
Common questions about DCA investing in CTBB
Investing $500 per month in Qwest Corp. NT (CTBB) over the past 6 years would be worth approximately $70K today. That's +46.3% total return on $48K invested, with a +6.2% compound annual growth rate (CAGR). This includes $17K from reinvested dividends.