Dollar cost averaging (DCA) in ITUB 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.
More ITUB Analysis
ITUB DCA Calculator
Dollar Cost Averaging — Itaú Unibanco Holding S.A.
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+120.6%
Final Value$105.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+108.4%
Final Value$100.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+95.1%
Final Value$93.6K
Worst possible — still beats not investing
Best vs Worst gap25.5 pp
Your timing vs best-12.2%
Your timing vs worst+13.3%
If You Keep Investing…
Based on this stock's historical CAGR of 12.3%/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$40K~1.3x your moneyfrom $30K invested
10 Years$113K~1.9x your moneyfrom $60K invested
20 Years$471K~3.9x 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~1.9x your money
20 Years~3.9x your money
$100/mo
$4K+$684 est. gain
$8K+$2K est. gain
$23K+$11K est. gain
$94K+$70K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$56K+$26K est. gain
$235K+$175K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$113K+$53K est. gain
$471K+$351K est. gain
$1,000/mo
$43K+$7K est. gain
$81K+$21K est. gain
$225K+$105K est. gain
$942K+$702K est. gain
* Projection assumes historical CAGR of 12.3% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$7.02
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$5.77
$10,500
$8,723
-16.92%
$-1,777
Mar 2, 2020
$5.34
$11,000
$8,581
-21.99%
$-2,419
Apr 2, 2020
$3.07
$11,500
$5,436
-52.73%
$-6,064
May 4, 2020
$3.02
$12,000
$5,852
-51.24%
$-6,148
Jun 2, 2020
$3.62
$12,500
$7,519
-39.85%
$-4,981
Jul 2, 2020
$3.69
$13,000
$8,168
-37.17%
$-4,832
Aug 3, 2020
$3.75
$13,500
$8,806
-34.77%
$-4,694
Sep 2, 2020
$3.36
$14,000
$8,410
-39.93%
$-5,590
Oct 2, 2020
$2.98
$14,500
$7,964
-45.08%
$-6,536
Nov 2, 2020
$3.07
$15,000
$8,711
-41.93%
$-6,289
Dec 2, 2020
$4.32
$15,500
$12,765
-17.65%
$-2,735
Jan 4, 2021
$4.41
$16,000
$13,559
-15.26%
$-2,441
Feb 2, 2021
$3.98
$16,500
$12,766
-22.63%
$-3,734
Mar 2, 2021
$3.41
$17,000
$11,446
-32.67%
$-5,554
Apr 5, 2021
$3.62
$17,500
$12,679
-27.55%
$-4,821
May 3, 2021
$3.80
$18,000
$13,817
-23.24%
$-4,183
Jun 2, 2021
$4.60
$18,500
$17,260
-6.70%
$-1,240
Jul 2, 2021
$4.43
$19,000
$17,130
-9.84%
$-1,870
Aug 2, 2021
$4.40
$19,500
$17,523
-10.14%
$-1,977
Sep 2, 2021
$4.31
$20,000
$17,725
-11.38%
$-2,275
Oct 4, 2021
$4.05
$20,500
$17,163
-16.28%
$-3,337
Nov 2, 2021
$3.79
$21,000
$16,572
-21.09%
$-4,428
Dec 2, 2021
$3.69
$21,500
$16,802
-21.85%
$-4,698
Jan 3, 2022
$3.44
$22,000
$16,175
-26.48%
$-5,825
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Frequently Asked Questions
Common questions about DCA investing in ITUB
Investing $500 per month in Itaú Unibanco Holding S.A. (ITUB) over the past 6 years would be worth approximately $100K today. That's +108.4% total return on $48K invested, with a +12.3% compound annual growth rate (CAGR). This includes $15K from reinvested dividends.