Dollar cost averaging (DCA) in ING 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+236.3%
Final Value$161.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+217.8%
Final Value$152.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+197.9%
Final Value$143.0K
Worst possible — still beats not investing
Best vs Worst gap38.4 pp
Your timing vs best-18.5%
Your timing vs worst+19.9%
If You Keep Investing…
Based on this stock's historical CAGR of 20.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$24K~1.3x your moneyfrom $18K invested
5 Years$49K~1.6x your moneyfrom $30K invested
10 Years$170K~2.8x your moneyfrom $60K invested
20 Years$1.2M~10.2x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.6x your money
10 Years~2.8x your money
20 Years~10.2x your money
$100/mo
$5K+$1K est. gain
$10K+$4K est. gain
$34K+$22K est. gain
$244K+$220K est. gain
$250/mo
$12K+$3K est. gain
$24K+$9K est. gain
$85K+$55K est. gain
$610K+$550K est. gain
$500/mo
$24K+$6K est. gain
$49K+$19K est. gain
$170K+$110K est. gain
$1.2M+$1.1M est. gain
$1,000/mo
$48K+$12K est. gain
$97K+$37K est. gain
$339K+$219K est. gain
$2.4M+$2.2M est. gain
* Projection assumes historical CAGR of 20.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.43
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$10.87
$10,500
$9,245
-11.95%
$-1,255
Mar 2, 2020
$9.59
$11,000
$8,656
-21.31%
$-2,344
Apr 2, 2020
$5.10
$11,500
$5,103
-55.62%
$-6,397
May 4, 2020
$5.23
$12,000
$5,734
-52.22%
$-6,266
Jun 2, 2020
$6.81
$12,500
$7,966
-36.27%
$-4,534
Jul 2, 2020
$7.13
$13,000
$8,840
-32.00%
$-4,160
Aug 3, 2020
$7.07
$13,500
$9,266
-31.37%
$-4,234
Sep 2, 2020
$8.14
$14,000
$11,168
-20.23%
$-2,832
Oct 2, 2020
$7.24
$14,500
$10,433
-28.05%
$-4,067
Nov 2, 2020
$7.16
$15,000
$10,818
-27.88%
$-4,182
Dec 2, 2020
$10.11
$15,500
$15,775
+1.77%
$275
Jan 4, 2021
$9.27
$16,000
$14,964
-6.47%
$-1,036
Feb 2, 2021
$9.25
$16,500
$15,432
-6.47%
$-1,068
Mar 2, 2021
$11.36
$17,000
$19,703
+15.90%
$2,703
Apr 5, 2021
$12.44
$17,500
$22,076
+26.15%
$4,576
May 3, 2021
$12.90
$18,000
$23,392
+29.96%
$5,392
Jun 2, 2021
$14.12
$18,500
$26,105
+41.11%
$7,605
Jul 2, 2021
$13.20
$19,000
$24,904
+31.07%
$5,904
Aug 2, 2021
$12.74
$19,500
$24,536
+25.83%
$5,036
Sep 2, 2021
$13.98
$20,000
$27,424
+37.12%
$7,424
Oct 4, 2021
$14.10
$20,500
$29,263
+42.75%
$8,763
Nov 2, 2021
$15.43
$21,000
$32,523
+54.87%
$11,523
Dec 2, 2021
$14.06
$21,500
$30,136
+40.17%
$8,636
Jan 3, 2022
$14.08
$22,000
$30,678
+39.45%
$8,678
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Frequently Asked Questions
Common questions about DCA investing in ING
Investing $500 per month in ING Groep N.V. (ING) over the past 6 years would be worth approximately $153K today. That's +217.8% total return on $48K invested, with a +20.0% compound annual growth rate (CAGR). This includes $22K from reinvested dividends.