Dollar cost averaging (DCA) in DX 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+57.6%
Final Value$75.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+50.7%
Final Value$72.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+44.7%
Final Value$69.5K
Worst possible — still beats not investing
Best vs Worst gap12.9 pp
Your timing vs best-6.9%
Your timing vs worst+6.0%
If You Keep Investing…
Based on this stock's historical CAGR of 6.7%/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$84K~1.4x your moneyfrom $60K invested
20 Years$245K~2.0x 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~2.0x your money
$100/mo
$4K+$362 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$49K+$25K est. gain
$250/mo
$10K+$906 est. gain
$18K+$3K est. gain
$42K+$12K est. gain
$122K+$62K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$84K+$24K est. gain
$245K+$125K est. gain
$1,000/mo
$40K+$4K est. gain
$71K+$11K est. gain
$168K+$48K est. gain
$490K+$250K est. gain
* Projection assumes historical CAGR of 6.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$16.94
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$17.93
$10,500
$11,172
+6.40%
$672
Mar 2, 2020
$18.04
$11,000
$11,827
+7.52%
$827
Apr 2, 2020
$9.94
$11,500
$7,099
-38.27%
$-4,401
May 4, 2020
$13.55
$12,000
$10,283
-14.31%
$-1,717
Jun 2, 2020
$13.19
$12,500
$10,627
-14.98%
$-1,873
Jul 2, 2020
$13.75
$13,000
$11,679
-10.16%
$-1,321
Aug 3, 2020
$15.26
$13,500
$13,569
+0.51%
$69
Sep 2, 2020
$15.76
$14,000
$14,629
+4.49%
$629
Oct 2, 2020
$15.60
$14,500
$15,103
+4.16%
$603
Nov 2, 2020
$16.71
$15,000
$16,810
+12.06%
$1,810
Dec 2, 2020
$17.75
$15,500
$18,488
+19.27%
$2,988
Jan 4, 2021
$17.58
$16,000
$18,943
+18.39%
$2,943
Feb 2, 2021
$18.02
$16,500
$20,054
+21.54%
$3,554
Mar 2, 2021
$19.19
$17,000
$22,003
+29.43%
$5,003
Apr 5, 2021
$19.15
$17,500
$22,611
+29.21%
$5,111
May 3, 2021
$20.20
$18,000
$24,509
+36.16%
$6,509
Jun 2, 2021
$19.94
$18,500
$24,855
+34.35%
$6,355
Jul 2, 2021
$18.61
$19,000
$23,855
+25.55%
$4,855
Aug 2, 2021
$17.40
$19,500
$22,966
+17.78%
$3,466
Sep 2, 2021
$17.72
$20,000
$24,063
+20.31%
$4,063
Oct 4, 2021
$17.50
$20,500
$24,442
+19.23%
$3,942
Nov 2, 2021
$17.55
$21,000
$25,190
+19.95%
$4,190
Dec 2, 2021
$16.78
$21,500
$24,764
+15.18%
$3,264
Jan 3, 2022
$17.03
$22,000
$25,834
+17.43%
$3,834
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Frequently Asked Questions
Common questions about DCA investing in DX
Investing $500 per month in Dynex Capital, Inc. (DX) over the past 6 years would be worth approximately $72K today. That's +50.7% total return on $48K invested, with a +6.7% compound annual growth rate (CAGR). This includes $28K from reinvested dividends.