Dollar cost averaging (DCA) in IVA 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-22.3%
Final Value$35.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-29.8%
Final Value$31.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-37.8%
Final Value$28.3K
Worst possible — still beats not investing
Best vs Worst gap15.5 pp
Your timing vs best-7.5%
Your timing vs worst+7.9%
If You Keep Investing…
Based on this stock's historical CAGR of -5.8%/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+$0 est. gain
* Projection assumes historical CAGR of -5.8% continues. Actual returns will vary.
Your DCA Results by Date
72 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jul 10, 2020
$13.42
$10,000
$10,000
+0.00%
$0
Aug 10, 2020
$12.20
$10,500
$9,591
-8.66%
$-909
Sep 10, 2020
$11.51
$11,000
$9,548
-13.20%
$-1,452
Oct 12, 2020
$13.65
$11,500
$11,824
+2.82%
$324
Nov 10, 2020
$12.85
$12,000
$11,631
-3.08%
$-369
Dec 10, 2020
$12.35
$12,500
$11,678
-6.57%
$-822
Jan 11, 2021
$15.58
$13,000
$15,233
+17.17%
$2,233
Feb 10, 2021
$16.95
$13,500
$17,072
+26.46%
$3,572
Mar 10, 2021
$12.72
$14,000
$13,312
-4.92%
$-688
Apr 12, 2021
$14.35
$14,500
$15,517
+7.02%
$1,017
May 10, 2021
$14.16
$15,000
$15,812
+5.41%
$812
Jun 10, 2021
$14.64
$15,500
$16,848
+8.70%
$1,348
Jul 12, 2021
$13.88
$16,000
$16,468
+2.92%
$468
Aug 10, 2021
$10.75
$16,500
$13,259
-19.64%
$-3,241
Sep 10, 2021
$14.00
$17,000
$17,767
+4.51%
$767
Oct 11, 2021
$13.04
$17,500
$17,049
-2.58%
$-451
Nov 10, 2021
$14.23
$18,000
$19,105
+6.14%
$1,105
Dec 10, 2021
$13.87
$18,500
$19,121
+3.36%
$621
Jan 10, 2022
$12.40
$19,000
$17,595
-7.40%
$-1,405
Feb 10, 2022
$13.60
$19,500
$19,797
+1.53%
$297
Mar 10, 2022
$11.23
$20,000
$16,847
-15.76%
$-3,153
Apr 11, 2022
$11.18
$20,500
$17,279
-15.71%
$-3,221
May 10, 2022
$8.58
$21,000
$13,751
-34.52%
$-7,249
Jun 10, 2022
$8.85
$21,500
$14,688
-31.68%
$-6,812
Jul 11, 2022
$5.83
$22,000
$10,183
-53.71%
$-11,817
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Frequently Asked Questions
Common questions about DCA investing in IVA
Investing $500 per month in Inventiva S.A. (IVA) over the past 6 years would be worth approximately $32K today. That's -29.8% total return on $46K invested, with a -5.8% compound annual growth rate (CAGR).