Dollar cost averaging (DCA) in LFT 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 LFT Analysis
LFT DCA Calculator
Dollar Cost Averaging — Lument Finance Trust, Inc.
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-22.0%
Final Value$37.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-26.8%
Final Value$35.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-30.7%
Final Value$33.2K
Worst possible — still beats not investing
Best vs Worst gap8.7 pp
Your timing vs best-4.8%
Your timing vs worst+3.9%
If You Keep Investing…
Based on this stock's historical CAGR of -4.8%/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+$0 est. gain
* Projection assumes historical CAGR of -4.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$3.22
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$3.26
$10,500
$10,624
+1.18%
$124
Mar 2, 2020
$3.00
$11,000
$10,277
-6.57%
$-723
Apr 2, 2020
$1.54
$11,500
$6,000
-47.82%
$-5,500
May 4, 2020
$1.84
$12,000
$7,669
-36.09%
$-4,331
Jun 2, 2020
$2.47
$12,500
$10,795
-13.64%
$-1,705
Jul 2, 2020
$2.55
$13,000
$11,957
-8.03%
$-1,043
Aug 3, 2020
$2.23
$13,500
$10,956
-18.84%
$-2,544
Sep 2, 2020
$2.43
$14,000
$12,439
-11.15%
$-1,561
Oct 2, 2020
$2.83
$14,500
$15,436
+6.45%
$936
Nov 2, 2020
$2.64
$15,000
$14,899
-0.67%
$-101
Dec 2, 2020
$3.06
$15,500
$17,770
+14.64%
$2,270
Jan 4, 2021
$3.02
$16,000
$18,714
+16.96%
$2,714
Feb 2, 2021
$3.13
$16,500
$19,896
+20.58%
$3,396
Mar 2, 2021
$3.32
$17,000
$21,603
+27.08%
$4,603
Apr 5, 2021
$3.55
$17,500
$24,197
+38.27%
$6,697
May 3, 2021
$3.78
$18,000
$26,265
+45.92%
$8,265
Jun 2, 2021
$3.86
$18,500
$27,321
+47.68%
$8,821
Jul 2, 2021
$4.09
$19,000
$30,069
+58.26%
$11,069
Aug 2, 2021
$4.10
$19,500
$30,643
+57.14%
$11,143
Sep 2, 2021
$4.07
$20,000
$30,918
+54.59%
$10,918
Oct 4, 2021
$3.98
$20,500
$31,417
+53.25%
$10,917
Nov 2, 2021
$4.02
$21,000
$32,232
+53.49%
$11,232
Dec 2, 2021
$3.79
$21,500
$30,888
+43.67%
$9,388
Jan 3, 2022
$3.89
$22,000
$32,942
+49.74%
$10,942
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Frequently Asked Questions
Common questions about DCA investing in LFT
Investing $500 per month in Lument Finance Trust, Inc. (LFT) over the past 6 years would be worth approximately $35K today. That's -26.8% total return on $48K invested, with a -4.8% compound annual growth rate (CAGR). This includes $25K from reinvested dividends.