Dollar cost averaging (DCA) in HWBK 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+101.0%
Final Value$97.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+91.1%
Final Value$92.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+82.7%
Final Value$88.6K
Worst possible — still beats not investing
Best vs Worst gap18.4 pp
Your timing vs best-10.0%
Your timing vs worst+8.4%
If You Keep Investing…
Based on this stock's historical CAGR of 10.6%/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$39K~1.3x your moneyfrom $30K invested
10 Years$103K~1.7x your moneyfrom $60K invested
20 Years$384K~3.2x 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~1.7x your money
20 Years~3.2x your money
$100/mo
$4K+$584 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$77K+$53K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$51K+$21K est. gain
$192K+$132K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$103K+$43K est. gain
$384K+$264K est. gain
$1,000/mo
$42K+$6K est. gain
$78K+$18K est. gain
$206K+$86K est. gain
$769K+$529K est. gain
* Projection assumes historical CAGR of 10.6% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$21.86
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$19.66
$10,500
$9,494
-9.58%
$-1,006
Mar 2, 2020
$18.81
$11,000
$9,583
-12.88%
$-1,417
Apr 1, 2020
$15.07
$11,500
$8,233
-28.41%
$-3,267
May 1, 2020
$14.86
$12,000
$8,619
-28.18%
$-3,381
Jun 1, 2020
$16.16
$12,500
$9,872
-21.02%
$-2,628
Jul 1, 2020
$17.68
$13,000
$11,373
-12.52%
$-1,627
Aug 3, 2020
$15.02
$13,500
$10,162
-24.73%
$-3,338
Sep 1, 2020
$16.94
$14,000
$11,961
-14.57%
$-2,039
Oct 1, 2020
$16.89
$14,500
$12,502
-13.78%
$-1,998
Nov 2, 2020
$17.16
$15,000
$13,202
-11.99%
$-1,798
Dec 2, 2020
$19.02
$15,500
$15,133
-2.37%
$-367
Jan 4, 2021
$18.94
$16,000
$15,664
-2.10%
$-336
Feb 2, 2021
$17.47
$16,500
$14,948
-9.40%
$-1,552
Mar 2, 2021
$19.05
$17,000
$16,800
-1.18%
$-200
Apr 1, 2021
$20.09
$17,500
$18,326
+4.72%
$826
May 3, 2021
$19.90
$18,000
$18,652
+3.62%
$652
Jun 1, 2021
$21.42
$18,500
$20,577
+11.23%
$2,077
Jul 1, 2021
$21.07
$19,000
$20,874
+9.86%
$1,874
Aug 2, 2021
$21.13
$19,500
$21,433
+9.91%
$1,933
Sep 1, 2021
$21.29
$20,000
$22,096
+10.48%
$2,096
Oct 1, 2021
$21.18
$20,500
$22,628
+10.38%
$2,128
Nov 2, 2021
$22.49
$21,000
$24,528
+16.80%
$3,528
Dec 2, 2021
$22.37
$21,500
$24,897
+15.80%
$3,397
Jan 3, 2022
$24.03
$22,000
$27,411
+24.60%
$5,411
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Frequently Asked Questions
Common questions about DCA investing in HWBK
Investing $500 per month in Hawthorn Bancshares, Inc. (HWBK) over the past 6 years would be worth approximately $93K today. That's +91.1% total return on $49K invested, with a +10.6% compound annual growth rate (CAGR). This includes $6K from reinvested dividends.