Dollar cost averaging (DCA) in HCWB 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-92.5%
Final Value$2.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-95.5%
Final Value$1.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-95.6%
Final Value$1.7K
Worst possible — still beats not investing
Best vs Worst gap3.1 pp
Your timing vs best-3.0%
Your timing vs worst+0.1%
If You Keep Investing…
Based on this stock's historical CAGR of -47.6%/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+$0 est. gain
* Projection assumes historical CAGR of -47.6% continues. Actual returns will vary.
Your DCA Results by Date
58 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jul 20, 2021
$252.00
$10,000
$10,000
+0.00%
$0
Aug 20, 2021
$163.20
$10,500
$6,976
-33.56%
$-3,524
Sep 20, 2021
$132.00
$11,000
$6,143
-44.16%
$-4,857
Oct 20, 2021
$109.60
$11,500
$5,600
-51.30%
$-5,900
Nov 22, 2021
$107.20
$12,000
$5,978
-50.19%
$-6,022
Dec 20, 2021
$97.60
$12,500
$5,942
-52.46%
$-6,558
Jan 20, 2022
$92.80
$13,000
$6,150
-52.69%
$-6,850
Feb 22, 2022
$84.40
$13,500
$6,093
-54.86%
$-7,407
Mar 21, 2022
$79.20
$14,000
$6,218
-55.59%
$-7,782
Apr 20, 2022
$106.00
$14,500
$8,822
-39.16%
$-5,678
May 20, 2022
$86.40
$15,000
$7,691
-48.73%
$-7,309
Jun 21, 2022
$80.80
$15,500
$7,692
-50.37%
$-7,808
Jul 20, 2022
$93.20
$16,000
$9,373
-41.42%
$-6,627
Aug 22, 2022
$92.20
$16,500
$9,772
-40.77%
$-6,728
Sep 20, 2022
$95.60
$17,000
$10,632
-37.46%
$-6,368
Oct 20, 2022
$89.20
$17,500
$10,421
-40.45%
$-7,079
Nov 21, 2022
$87.20
$18,000
$10,687
-40.63%
$-7,313
Dec 20, 2022
$80.00
$18,500
$10,305
-44.30%
$-8,195
Jan 20, 2023
$81.60
$19,000
$11,011
-42.05%
$-7,989
Feb 21, 2023
$74.00
$19,500
$10,485
-46.23%
$-9,015
Mar 20, 2023
$44.80
$20,000
$6,848
-65.76%
$-13,152
Apr 20, 2023
$54.80
$20,500
$8,876
-56.70%
$-11,624
May 22, 2023
$63.78
$21,000
$10,831
-48.42%
$-10,169
Jun 20, 2023
$83.60
$21,500
$14,697
-31.64%
$-6,803
Jul 20, 2023
$91.00
$22,000
$16,498
-25.01%
$-5,502
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Frequently Asked Questions
Common questions about DCA investing in HCWB
Investing $500 per month in HCW Biologics Inc. (HCWB) over the past 5 years would be worth approximately $2K today. That's -95.5% total return on $39K invested, with a -47.6% compound annual growth rate (CAGR).