Dollar cost averaging (DCA) in FDSB 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 FDSB Analysis
FDSB DCA Calculator
Dollar Cost Averaging — Fifth District Savings Bank
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+33.9%
Final Value$27.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+32.5%
Final Value$27.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+30.6%
Final Value$26.8K
Worst possible — still beats not investing
Best vs Worst gap3.3 pp
Your timing vs best-1.4%
Your timing vs worst+1.9%
If You Keep Investing…
Based on this stock's historical CAGR of 17.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$23K~1.3x your moneyfrom $18K invested
5 Years$46K~1.5x your moneyfrom $30K invested
10 Years$147K~2.4x your moneyfrom $60K invested
20 Years$869K~7.2x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.5x your money
10 Years~2.4x your money
20 Years~7.2x your money
$100/mo
$5K+$986 est. gain
$9K+$3K est. gain
$29K+$17K est. gain
$174K+$150K est. gain
$250/mo
$11K+$2K est. gain
$23K+$8K est. gain
$73K+$43K est. gain
$435K+$375K est. gain
$500/mo
$23K+$5K est. gain
$46K+$16K est. gain
$147K+$87K est. gain
$869K+$749K est. gain
$1,000/mo
$46K+$10K est. gain
$91K+$31K est. gain
$293K+$173K est. gain
$1.7M+$1.5M est. gain
* Projection assumes historical CAGR of 17.3% continues. Actual returns will vary.
Your DCA Results by Date
22 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Aug 1, 2024
$10.25
$10,000
$10,000
+0.00%
$0
Sep 3, 2024
$10.50
$10,500
$10,744
+2.32%
$244
Oct 1, 2024
$10.42
$11,000
$11,158
+1.43%
$158
Nov 1, 2024
$11.50
$11,500
$12,819
+11.47%
$1,319
Dec 2, 2024
$12.41
$12,000
$14,334
+19.45%
$2,334
Jan 2, 2025
$12.68
$12,500
$15,145
+21.16%
$2,645
Feb 3, 2025
$12.99
$13,000
$16,016
+23.20%
$3,016
Mar 3, 2025
$12.69
$13,500
$16,146
+19.60%
$2,646
Apr 1, 2025
$12.23
$14,000
$16,061
+14.72%
$2,061
May 1, 2025
$12.16
$14,500
$16,469
+13.58%
$1,969
Jun 2, 2025
$12.57
$15,000
$17,524
+16.83%
$2,524
Jul 1, 2025
$12.28
$15,500
$17,620
+13.67%
$2,120
Aug 1, 2025
$13.10
$16,000
$19,296
+20.60%
$3,296
Sep 2, 2025
$13.94
$16,500
$21,033
+27.48%
$4,533
Oct 1, 2025
$13.83
$17,000
$21,367
+25.69%
$4,367
Nov 3, 2025
$13.33
$17,500
$21,095
+20.54%
$3,595
Dec 1, 2025
$13.77
$18,000
$22,291
+23.84%
$4,291
Jan 2, 2026
$14.99
$18,500
$24,766
+33.87%
$6,266
Feb 2, 2026
$15.18
$19,000
$25,580
+34.63%
$6,580
Mar 2, 2026
$14.96
$19,500
$25,709
+31.84%
$6,209
Apr 1, 2026
$14.83
$20,000
$25,986
+29.93%
$5,986
May 1, 2026
$15.16
$20,500
$27,056
+31.98%
$6,556
Frequently Asked Questions
Common questions about DCA investing in FDSB
Investing $500 per month in Fifth District Savings Bank (FDSB) over the past 2 years would be worth approximately $27K today. That's +32.5% total return on $21K invested, with a +17.3% compound annual growth rate (CAGR).