Dollar cost averaging (DCA) in MHO 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+147.5%
Final Value$118.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+126.0%
Final Value$108.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+109.1%
Final Value$100.4K
Worst possible — still beats not investing
Best vs Worst gap38.4 pp
Your timing vs best-21.5%
Your timing vs worst+16.9%
If You Keep Investing…
Based on this stock's historical CAGR of 13.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$42K~1.4x your moneyfrom $30K invested
10 Years$122K~2.0x your moneyfrom $60K invested
20 Years$562K~4.7x 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~1.4x your money
10 Years~2.0x your money
20 Years~4.7x your money
$100/mo
$4K+$770 est. gain
$8K+$2K est. gain
$24K+$12K est. gain
$112K+$88K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$61K+$31K est. gain
$281K+$221K est. gain
$500/mo
$22K+$4K est. gain
$42K+$12K est. gain
$122K+$62K est. gain
$562K+$442K est. gain
$1,000/mo
$44K+$8K est. gain
$84K+$24K est. gain
$243K+$123K est. gain
$1.1M+$883K est. gain
* Projection assumes historical CAGR of 13.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$39.77
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$44.31
$10,500
$11,642
+10.87%
$1,142
Mar 2, 2020
$38.46
$11,000
$10,605
-3.59%
$-395
Apr 2, 2020
$14.06
$11,500
$4,377
-61.94%
$-7,123
May 4, 2020
$25.35
$12,000
$8,391
-30.07%
$-3,609
Jun 2, 2020
$34.30
$12,500
$11,854
-5.17%
$-646
Jul 2, 2020
$32.10
$13,000
$11,594
-10.82%
$-1,406
Aug 3, 2020
$42.44
$13,500
$15,828
+17.24%
$2,328
Sep 2, 2020
$45.20
$14,000
$17,357
+23.98%
$3,357
Oct 2, 2020
$46.78
$14,500
$18,464
+27.34%
$3,964
Nov 2, 2020
$43.43
$15,000
$17,642
+17.61%
$2,642
Dec 2, 2020
$42.84
$15,500
$17,902
+15.50%
$2,402
Jan 4, 2021
$43.50
$16,000
$18,678
+16.74%
$2,678
Feb 2, 2021
$50.25
$16,500
$22,076
+33.80%
$5,576
Mar 2, 2021
$51.16
$17,000
$22,976
+35.15%
$5,976
Apr 5, 2021
$62.18
$17,500
$28,425
+62.43%
$10,925
May 3, 2021
$70.69
$18,000
$32,816
+82.31%
$14,816
Jun 2, 2021
$68.62
$18,500
$32,355
+74.89%
$13,855
Jul 2, 2021
$59.14
$19,000
$28,385
+49.39%
$9,385
Aug 2, 2021
$64.52
$19,500
$31,467
+61.37%
$11,967
Sep 2, 2021
$67.92
$20,000
$33,625
+68.13%
$13,625
Oct 4, 2021
$58.84
$20,500
$29,630
+44.54%
$9,130
Nov 2, 2021
$57.35
$21,000
$29,380
+39.90%
$8,380
Dec 2, 2021
$59.99
$21,500
$31,232
+45.27%
$9,732
Jan 3, 2022
$60.71
$22,000
$32,107
+45.94%
$10,107
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Frequently Asked Questions
Common questions about DCA investing in MHO
Investing $500 per month in M/I Homes, Inc. (MHO) over the past 6 years would be worth approximately $108K today. That's +126.0% total return on $48K invested, with a +13.7% compound annual growth rate (CAGR).