Dollar cost averaging (DCA) in HCMA 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+4.2%
Final Value$28.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+0.8%
Final Value$35.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-0.3%
Final Value$26.9K
Worst possible — still beats not investing
Best vs Worst gap4.5 pp
Your timing vs best-3.4%
Your timing vs worst+1.1%
If You Keep Investing…
Based on this stock's historical CAGR of 0.2%/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$61K~1.0x your moneyfrom $60K invested
20 Years$122K~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+$10 est. gain
$6K+$28 est. gain
$12K+$113 est. gain
$24K+$459 est. gain
$250/mo
$9K+$25 est. gain
$15K+$70 est. gain
$30K+$284 est. gain
$61K+$1K est. gain
$500/mo
$18K+$50 est. gain
$30K+$140 est. gain
$61K+$567 est. gain
$122K+$2K est. gain
$1,000/mo
$36K+$100 est. gain
$60K+$280 est. gain
$121K+$1K est. gain
$245K+$5K est. gain
* Projection assumes historical CAGR of 0.2% continues. Actual returns will vary.
Your DCA Results by Date
51 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Mar 16, 2022
$9.91
$10,000
$10,000
+0.00%
$0
Apr 18, 2022
$9.99
$10,500
$10,581
+0.77%
$81
May 16, 2022
$10.03
$11,000
$11,123
+1.12%
$123
Jun 15, 2022
$9.96
$11,500
$11,545
+0.40%
$45
Jul 15, 2022
$9.99
$12,000
$12,080
+0.67%
$80
Aug 15, 2022
$10.05
$12,500
$12,653
+1.22%
$153
Sep 15, 2022
$10.07
$13,000
$13,178
+1.37%
$178
Oct 17, 2022
$10.14
$13,500
$13,770
+2.00%
$270
Nov 16, 2022
$10.25
$14,000
$14,419
+2.99%
$419
Dec 16, 2022
$10.21
$14,500
$14,863
+2.50%
$363
Jan 17, 2023
$10.34
$15,000
$15,552
+3.68%
$552
Feb 16, 2023
$10.40
$15,500
$16,142
+4.14%
$642
Mar 16, 2023
$10.46
$16,000
$16,735
+4.60%
$735
Apr 17, 2023
$10.50
$16,500
$17,299
+4.84%
$799
May 15, 2023
$10.50
$17,000
$17,799
+4.70%
$799
Jun 15, 2023
$10.85
$17,500
$18,893
+7.96%
$1,393
Jul 17, 2023
$10.71
$18,000
$19,149
+6.38%
$1,149
Aug 15, 2023
$10.80
$18,500
$19,810
+7.08%
$1,310
Sep 15, 2023
$10.96
$19,000
$20,603
+8.44%
$1,603
Oct 16, 2023
$11.04
$19,500
$21,254
+8.99%
$1,754
Nov 16, 2023
$11.09
$20,000
$21,850
+9.25%
$1,850
Dec 18, 2023
$11.09
$20,500
$22,350
+9.02%
$1,850
Jan 16, 2024
$11.19
$21,000
$23,051
+9.77%
$2,051
Feb 16, 2024
$11.24
$21,500
$23,654
+10.02%
$2,154
Mar 18, 2024
$10.70
$22,000
$23,018
+4.63%
$1,018
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Frequently Asked Questions
Common questions about DCA investing in HCMA
Investing $500 per month in HCM Acquisition Corp (HCMA) over the past 4 years would be worth approximately $35K today. That's +0.8% total return on $35K invested, with a +0.2% compound annual growth rate (CAGR).