Dollar cost averaging (DCA) in FUNC 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+116.4%
Final Value$103.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+106.0%
Final Value$98.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+95.3%
Final Value$93.8K
Worst possible — still beats not investing
Best vs Worst gap21.0 pp
Your timing vs best-10.4%
Your timing vs worst+10.6%
If You Keep Investing…
Based on this stock's historical CAGR of 12.1%/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$40K~1.3x your moneyfrom $30K invested
10 Years$111K~1.9x your moneyfrom $60K invested
20 Years$460K~3.8x 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~1.9x your money
20 Years~3.8x your money
$100/mo
$4K+$672 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$92K+$68K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$56K+$26K est. gain
$230K+$170K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$111K+$51K est. gain
$460K+$340K est. gain
$1,000/mo
$43K+$7K est. gain
$80K+$20K est. gain
$223K+$103K est. gain
$920K+$680K est. gain
* Projection assumes historical CAGR of 12.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$24.38
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$23.90
$10,500
$10,356
-1.37%
$-144
Mar 2, 2020
$21.47
$11,000
$9,803
-10.88%
$-1,197
Apr 2, 2020
$13.38
$11,500
$6,609
-42.53%
$-4,891
May 4, 2020
$15.10
$12,000
$8,032
-33.06%
$-3,968
Jun 2, 2020
$14.45
$12,500
$8,187
-34.51%
$-4,313
Jul 2, 2020
$13.61
$13,000
$8,211
-36.84%
$-4,789
Aug 3, 2020
$11.04
$13,500
$7,236
-46.40%
$-6,264
Sep 2, 2020
$11.02
$14,000
$7,723
-44.84%
$-6,277
Oct 2, 2020
$11.81
$14,500
$8,776
-39.47%
$-5,724
Nov 2, 2020
$12.51
$15,000
$9,889
-34.07%
$-5,111
Dec 2, 2020
$15.51
$15,500
$12,761
-17.67%
$-2,739
Jan 4, 2021
$15.60
$16,000
$13,335
-16.66%
$-2,665
Feb 2, 2021
$16.44
$16,500
$14,659
-11.16%
$-1,841
Mar 2, 2021
$18.50
$17,000
$16,995
-0.03%
$-5
Apr 5, 2021
$18.02
$17,500
$17,055
-2.55%
$-445
May 3, 2021
$17.55
$18,000
$17,257
-4.13%
$-743
Jun 2, 2021
$18.50
$18,500
$18,691
+1.03%
$191
Jul 2, 2021
$17.57
$19,000
$18,252
-3.94%
$-748
Aug 2, 2021
$17.26
$19,500
$18,592
-4.66%
$-908
Sep 2, 2021
$18.76
$20,000
$20,708
+3.54%
$708
Oct 4, 2021
$18.41
$20,500
$20,822
+1.57%
$322
Nov 2, 2021
$19.80
$21,000
$23,078
+9.90%
$2,078
Dec 2, 2021
$19.04
$21,500
$22,692
+5.55%
$1,192
Jan 3, 2022
$19.19
$22,000
$23,371
+6.23%
$1,371
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Frequently Asked Questions
Common questions about DCA investing in FUNC
Investing $500 per month in First United Corporation (FUNC) over the past 6 years would be worth approximately $99K today. That's +106.0% total return on $48K invested, with a +12.1% compound annual growth rate (CAGR). This includes $8K from reinvested dividends.