Dollar cost averaging (DCA) in FUTU 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+524.9%
Final Value$299.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+489.9%
Final Value$283.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+449.9%
Final Value$263.9K
Worst possible — still beats not investing
Best vs Worst gap75.0 pp
Your timing vs best-35.0%
Your timing vs worst+40.0%
If You Keep Investing…
Based on this stock's historical CAGR of 32.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$28K~1.5x your moneyfrom $18K invested
5 Years$65K~2.2x your moneyfrom $30K invested
10 Years$327K~5.5x your moneyfrom $60K invested
20 Years$5.7M~47.6x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.5x your money
5 Years~2.2x your money
10 Years~5.5x your money
20 Years~47.6x your money
$100/mo
$6K+$2K est. gain
$13K+$7K est. gain
$65K+$53K est. gain
$1.1M+$1.1M est. gain
$250/mo
$14K+$5K est. gain
$32K+$17K est. gain
$164K+$134K est. gain
$2.9M+$2.8M est. gain
$500/mo
$28K+$10K est. gain
$65K+$35K est. gain
$327K+$267K est. gain
$5.7M+$5.6M est. gain
$1,000/mo
$56K+$20K est. gain
$129K+$69K est. gain
$654K+$534K est. gain
$11.4M+$11.2M est. gain
* Projection assumes historical CAGR of 32.3% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$10.68
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$10.91
$10,500
$10,715
+2.05%
$215
Mar 2, 2020
$12.20
$11,000
$12,482
+13.48%
$1,482
Apr 2, 2020
$10.14
$11,500
$10,875
-5.44%
$-625
May 4, 2020
$10.42
$12,000
$11,675
-2.71%
$-325
Jun 2, 2020
$18.95
$12,500
$21,732
+73.86%
$9,232
Jul 2, 2020
$26.66
$13,000
$31,074
+139.03%
$18,074
Aug 3, 2020
$35.68
$13,500
$42,088
+211.76%
$28,588
Sep 2, 2020
$31.96
$14,000
$38,200
+172.86%
$24,200
Oct 2, 2020
$27.62
$14,500
$33,512
+131.12%
$19,012
Nov 2, 2020
$29.84
$15,000
$36,706
+144.71%
$21,706
Dec 2, 2020
$43.08
$15,500
$53,492
+245.11%
$37,992
Jan 4, 2021
$48.94
$16,000
$61,269
+282.93%
$45,269
Feb 2, 2021
$116.97
$16,500
$146,937
+790.53%
$130,437
Mar 2, 2021
$157.31
$17,000
$198,111
+1065.36%
$181,111
Apr 5, 2021
$148.00
$17,500
$186,887
+967.92%
$169,387
May 3, 2021
$147.12
$18,000
$186,276
+934.86%
$168,276
Jun 2, 2021
$144.36
$18,500
$183,281
+890.71%
$164,781
Jul 2, 2021
$162.20
$19,000
$206,431
+986.48%
$187,431
Aug 2, 2021
$111.29
$19,500
$142,138
+628.91%
$122,638
Sep 2, 2021
$107.01
$20,000
$137,172
+585.86%
$117,172
Oct 4, 2021
$81.63
$20,500
$105,138
+412.87%
$84,638
Nov 2, 2021
$55.50
$21,000
$71,983
+242.78%
$50,983
Dec 2, 2021
$41.29
$21,500
$54,053
+151.41%
$32,553
Jan 3, 2022
$42.06
$22,000
$55,561
+152.55%
$33,561
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Frequently Asked Questions
Common questions about DCA investing in FUTU
Investing $500 per month in Futu Holdings Limited (FUTU) over the past 6 years would be worth approximately $283K today. That's +489.9% total return on $48K invested, with a +32.3% compound annual growth rate (CAGR). This includes $8K from reinvested dividends.