Dollar cost averaging (DCA) in MSBI 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 MSBI Analysis
MSBI DCA Calculator
Dollar Cost Averaging — Midland States Bancorp, 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+62.0%
Final Value$77.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+53.4%
Final Value$73.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+45.8%
Final Value$70.0K
Worst possible — still beats not investing
Best vs Worst gap16.2 pp
Your timing vs best-8.6%
Your timing vs worst+7.6%
If You Keep Investing…
Based on this stock's historical CAGR of 7.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$36K~1.2x your moneyfrom $30K invested
10 Years$85K~1.4x your moneyfrom $60K invested
20 Years$253K~2.1x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.2x your money
10 Years~1.4x your money
20 Years~2.1x your money
$100/mo
$4K+$379 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$51K+$27K est. gain
$250/mo
$10K+$947 est. gain
$18K+$3K est. gain
$43K+$13K est. gain
$127K+$67K est. gain
$500/mo
$20K+$2K est. gain
$36K+$6K est. gain
$85K+$25K est. gain
$253K+$133K est. gain
$1,000/mo
$40K+$4K est. gain
$71K+$11K est. gain
$171K+$51K est. gain
$506K+$266K est. gain
* Projection assumes historical CAGR of 7.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$28.90
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$26.78
$10,500
$9,766
-6.99%
$-734
Mar 2, 2020
$24.85
$11,000
$9,652
-12.25%
$-1,348
Apr 2, 2020
$16.15
$11,500
$6,773
-41.10%
$-4,727
May 4, 2020
$15.42
$12,000
$6,967
-41.94%
$-5,033
Jun 2, 2020
$15.08
$12,500
$7,449
-40.41%
$-5,051
Jul 2, 2020
$14.23
$13,000
$7,529
-42.08%
$-5,471
Aug 3, 2020
$14.13
$13,500
$7,976
-40.92%
$-5,524
Sep 2, 2020
$14.65
$14,000
$8,919
-36.30%
$-5,081
Oct 2, 2020
$13.61
$14,500
$8,786
-39.41%
$-5,714
Nov 2, 2020
$15.11
$15,000
$10,254
-31.64%
$-4,746
Dec 2, 2020
$17.56
$15,500
$12,596
-18.74%
$-2,904
Jan 4, 2021
$17.88
$16,000
$13,326
-16.72%
$-2,674
Feb 2, 2021
$19.02
$16,500
$14,675
-11.06%
$-1,825
Mar 2, 2021
$25.80
$17,000
$20,675
+21.62%
$3,675
Apr 5, 2021
$27.88
$17,500
$22,842
+30.52%
$5,342
May 3, 2021
$28.71
$18,000
$24,022
+33.45%
$6,022
Jun 2, 2021
$27.83
$18,500
$24,017
+29.82%
$5,517
Jul 2, 2021
$26.20
$19,000
$23,110
+21.63%
$4,110
Aug 2, 2021
$24.59
$19,500
$22,190
+13.79%
$2,690
Sep 2, 2021
$25.05
$20,000
$23,354
+16.77%
$3,354
Oct 4, 2021
$25.77
$20,500
$24,525
+19.63%
$4,025
Nov 2, 2021
$24.90
$21,000
$24,197
+15.22%
$3,197
Dec 2, 2021
$24.42
$21,500
$24,496
+13.94%
$2,996
Jan 3, 2022
$25.31
$22,000
$25,889
+17.68%
$3,889
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Frequently Asked Questions
Common questions about DCA investing in MSBI
Investing $500 per month in Midland States Bancorp, Inc. (MSBI) over the past 6 years would be worth approximately $74K today. That's +53.4% total return on $48K invested, with a +7.0% compound annual growth rate (CAGR). This includes $10K from reinvested dividends.