Dollar cost averaging (DCA) in CWT 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 CWT Analysis
CWT DCA Calculator
Dollar Cost Averaging — California Water Service Group
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-6.1%
Final Value$45.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-9.3%
Final Value$43.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-12.4%
Final Value$42.1K
Worst possible — still beats not investing
Best vs Worst gap6.3 pp
Your timing vs best-3.2%
Your timing vs worst+3.1%
If You Keep Investing…
Based on this stock's historical CAGR of -1.5%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -1.5% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$50.63
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$53.49
$10,500
$11,065
+5.38%
$565
Mar 2, 2020
$50.34
$11,000
$10,954
-0.42%
$-46
Apr 2, 2020
$46.01
$11,500
$10,512
-8.59%
$-988
May 4, 2020
$45.62
$12,000
$10,923
-8.98%
$-1,077
Jun 2, 2020
$46.69
$12,500
$11,731
-6.15%
$-769
Jul 2, 2020
$48.35
$13,000
$12,648
-2.70%
$-352
Aug 3, 2020
$46.98
$13,500
$12,790
-5.26%
$-710
Sep 2, 2020
$45.96
$14,000
$13,067
-6.67%
$-933
Oct 2, 2020
$44.90
$14,500
$13,265
-8.51%
$-1,235
Nov 2, 2020
$45.73
$15,000
$14,011
-6.60%
$-989
Dec 2, 2020
$49.62
$15,500
$15,772
+1.75%
$272
Jan 4, 2021
$53.45
$16,000
$17,489
+9.31%
$1,489
Feb 2, 2021
$56.43
$16,500
$18,964
+14.93%
$2,464
Mar 2, 2021
$53.96
$17,000
$18,707
+10.04%
$1,707
Apr 5, 2021
$57.17
$17,500
$20,319
+16.11%
$2,819
May 3, 2021
$59.00
$18,000
$21,470
+19.28%
$3,470
Jun 2, 2021
$56.78
$18,500
$21,244
+14.83%
$2,744
Jul 2, 2021
$56.62
$19,000
$21,684
+14.13%
$2,684
Aug 2, 2021
$63.24
$19,500
$24,720
+26.77%
$5,220
Sep 2, 2021
$65.12
$20,000
$26,045
+30.22%
$6,045
Oct 4, 2021
$59.81
$20,500
$24,421
+19.13%
$3,921
Nov 2, 2021
$62.25
$21,000
$25,917
+23.42%
$4,917
Dec 2, 2021
$65.31
$21,500
$27,789
+29.25%
$6,289
Jan 3, 2022
$71.87
$22,000
$31,081
+41.28%
$9,081
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Frequently Asked Questions
Common questions about DCA investing in CWT
Investing $500 per month in California Water Service Group (CWT) over the past 6 years would be worth approximately $44K today. That's -9.3% total return on $48K invested, with a -1.5% compound annual growth rate (CAGR). This includes $4K from reinvested dividends.