Dollar cost averaging (DCA) in CVCO 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+100.4%
Final Value$96.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+88.3%
Final Value$90.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+77.5%
Final Value$85.2K
Worst possible — still beats not investing
Best vs Worst gap22.9 pp
Your timing vs best-12.1%
Your timing vs worst+10.8%
If You Keep Investing…
Based on this stock's historical CAGR of 10.5%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$39K~1.3x your moneyfrom $30K invested
10 Years$103K~1.7x your moneyfrom $60K invested
20 Years$381K~3.2x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.2x your money
5 Years~1.3x your money
10 Years~1.7x your money
20 Years~3.2x your money
$100/mo
$4K+$580 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$76K+$52K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$51K+$21K est. gain
$190K+$130K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$103K+$43K est. gain
$381K+$261K est. gain
$1,000/mo
$42K+$6K est. gain
$77K+$17K est. gain
$205K+$85K est. gain
$762K+$522K est. gain
* Projection assumes historical CAGR of 10.5% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$196.60
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$230.47
$10,500
$12,223
+16.41%
$1,723
Mar 2, 2020
$205.57
$11,000
$11,402
+3.66%
$402
Apr 2, 2020
$117.35
$11,500
$7,009
-39.05%
$-4,491
May 4, 2020
$150.48
$12,000
$9,488
-20.94%
$-2,512
Jun 2, 2020
$188.70
$12,500
$12,398
-0.82%
$-102
Jul 2, 2020
$187.21
$13,000
$12,800
-1.54%
$-200
Aug 3, 2020
$210.99
$13,500
$14,925
+10.56%
$1,425
Sep 2, 2020
$201.90
$14,000
$14,782
+5.59%
$782
Oct 2, 2020
$184.53
$14,500
$14,011
-3.37%
$-489
Nov 2, 2020
$184.98
$15,000
$14,545
-3.03%
$-455
Dec 2, 2020
$181.99
$15,500
$14,810
-4.45%
$-690
Jan 4, 2021
$174.36
$16,000
$14,689
-8.19%
$-1,311
Feb 2, 2021
$204.00
$16,500
$17,686
+7.19%
$1,186
Mar 2, 2021
$216.50
$17,000
$19,270
+13.35%
$2,270
Apr 5, 2021
$241.90
$17,500
$22,030
+25.89%
$4,530
May 3, 2021
$212.78
$18,000
$19,878
+10.43%
$1,878
Jun 2, 2021
$220.54
$18,500
$21,103
+14.07%
$2,603
Jul 2, 2021
$227.01
$19,000
$22,222
+16.96%
$3,222
Aug 2, 2021
$237.28
$19,500
$23,728
+21.68%
$4,228
Sep 2, 2021
$259.07
$20,000
$26,407
+32.03%
$6,407
Oct 4, 2021
$242.00
$20,500
$25,167
+22.76%
$4,667
Nov 2, 2021
$242.10
$21,000
$25,677
+22.27%
$4,677
Dec 2, 2021
$318.22
$21,500
$34,250
+59.30%
$12,750
Jan 3, 2022
$311.95
$22,000
$34,076
+54.89%
$12,076
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Frequently Asked Questions
Common questions about DCA investing in CVCO
Investing $500 per month in Cavco Industries, Inc. (CVCO) over the past 6 years would be worth approximately $90K today. That's +88.3% total return on $48K invested, with a +10.5% compound annual growth rate (CAGR).