Dollar cost averaging (DCA) in EM 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 EM Analysis
EM DCA Calculator
Dollar Cost Averaging — Smart Share Global Limited
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+2.0%
Final Value$40.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-8.3%
Final Value$36.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-16.7%
Final Value$33.3K
Worst possible — still beats not investing
Best vs Worst gap18.8 pp
Your timing vs best-10.3%
Your timing vs worst+8.4%
If You Keep Investing…
Based on this stock's historical CAGR of -1.7%/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+$0 est. gain
* Projection assumes historical CAGR of -1.7% continues. Actual returns will vary.
Your DCA Results by Date
61 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 1, 2021
$8.54
$10,000
$10,000
+0.00%
$0
May 3, 2021
$7.31
$10,500
$9,060
-13.72%
$-1,440
Jun 1, 2021
$6.02
$11,000
$7,961
-27.63%
$-3,039
Jul 1, 2021
$6.02
$11,500
$8,461
-26.43%
$-3,039
Aug 2, 2021
$4.24
$12,000
$6,459
-46.17%
$-5,541
Sep 1, 2021
$3.12
$12,500
$5,253
-57.98%
$-7,247
Oct 1, 2021
$3.30
$13,000
$6,056
-53.41%
$-6,944
Nov 1, 2021
$2.71
$13,500
$5,473
-59.46%
$-8,027
Dec 1, 2021
$2.09
$14,000
$4,721
-66.28%
$-9,279
Jan 3, 2022
$1.82
$14,500
$4,611
-68.20%
$-9,889
Feb 1, 2022
$1.85
$15,000
$5,187
-65.42%
$-9,813
Mar 1, 2022
$1.15
$15,500
$3,724
-75.97%
$-11,776
Apr 1, 2022
$1.32
$16,000
$4,775
-70.16%
$-11,225
May 2, 2022
$1.18
$16,500
$4,769
-71.10%
$-11,731
Jun 1, 2022
$1.39
$17,000
$6,117
-64.02%
$-10,883
Jul 1, 2022
$1.10
$17,500
$5,341
-69.48%
$-12,159
Aug 1, 2022
$1.11
$18,000
$5,890
-67.28%
$-12,110
Sep 1, 2022
$0.90
$18,500
$5,272
-71.50%
$-13,228
Oct 3, 2022
$0.76
$19,000
$4,967
-73.86%
$-14,033
Nov 1, 2022
$0.71
$19,500
$5,138
-73.65%
$-14,362
Dec 1, 2022
$0.96
$20,000
$7,465
-62.67%
$-12,535
Jan 3, 2023
$1.31
$20,500
$10,638
-48.11%
$-9,862
Feb 1, 2023
$1.23
$21,000
$10,489
-50.05%
$-10,511
Mar 1, 2023
$1.25
$21,500
$11,159
-48.10%
$-10,341
Apr 3, 2023
$1.07
$22,000
$10,052
-54.31%
$-11,948
Page 1 of 3
Frequently Asked Questions
Common questions about DCA investing in EM
Investing $500 per month in Smart Share Global Limited (EM) over the past 5 years would be worth approximately $37K today. That's -8.3% total return on $40K invested, with a -1.7% compound annual growth rate (CAGR). This includes $554 from reinvested dividends.