Dollar cost averaging (DCA) in OSCR 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+89.6%
Final Value$77.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+62.5%
Final Value$66.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+42.0%
Final Value$58.2K
Worst possible — still beats not investing
Best vs Worst gap47.6 pp
Your timing vs best-27.1%
Your timing vs worst+20.4%
If You Keep Investing…
Based on this stock's historical CAGR of 9.8%/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$38K~1.3x your moneyfrom $30K invested
10 Years$99K~1.7x your moneyfrom $60K invested
20 Years$352K~2.9x 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~1.7x your money
20 Years~2.9x your money
$100/mo
$4K+$542 est. gain
$8K+$2K est. gain
$20K+$8K est. gain
$70K+$46K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$50K+$20K est. gain
$176K+$116K est. gain
$500/mo
$21K+$3K est. gain
$38K+$8K est. gain
$99K+$39K est. gain
$352K+$232K est. gain
$1,000/mo
$41K+$5K est. gain
$76K+$16K est. gain
$198K+$78K est. gain
$705K+$465K est. gain
* Projection assumes historical CAGR of 9.8% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Mar 3, 2021
$34.80
$10,000
$10,000
+0.00%
$0
Apr 5, 2021
$25.15
$10,500
$7,727
-26.41%
$-2,773
May 3, 2021
$22.75
$11,000
$7,490
-31.91%
$-3,510
Jun 3, 2021
$25.69
$11,500
$8,958
-22.11%
$-2,542
Jul 6, 2021
$20.78
$12,000
$7,746
-35.45%
$-4,254
Aug 3, 2021
$15.50
$12,500
$6,277
-49.78%
$-6,223
Sep 3, 2021
$18.21
$13,000
$7,875
-39.42%
$-5,125
Oct 4, 2021
$16.81
$13,500
$7,770
-42.45%
$-5,730
Nov 3, 2021
$16.88
$14,000
$8,302
-40.70%
$-5,698
Dec 3, 2021
$8.75
$14,500
$4,803
-66.87%
$-9,697
Jan 3, 2022
$8.13
$15,000
$4,963
-66.91%
$-10,037
Feb 3, 2022
$6.26
$15,500
$4,322
-72.12%
$-11,178
Mar 3, 2022
$6.81
$16,000
$5,201
-67.49%
$-10,799
Apr 4, 2022
$9.73
$16,500
$7,931
-51.93%
$-8,569
May 3, 2022
$7.49
$17,000
$6,605
-61.14%
$-10,395
Jun 3, 2022
$5.00
$17,500
$4,910
-71.95%
$-12,590
Jul 5, 2022
$4.88
$18,000
$5,292
-70.60%
$-12,708
Aug 3, 2022
$5.88
$18,500
$6,876
-62.83%
$-11,624
Sep 6, 2022
$5.52
$19,000
$6,955
-63.39%
$-12,045
Oct 3, 2022
$4.94
$19,500
$6,724
-65.52%
$-12,776
Nov 3, 2022
$3.38
$20,000
$5,101
-74.50%
$-14,899
Dec 5, 2022
$2.78
$20,500
$4,695
-77.10%
$-15,805
Jan 3, 2023
$2.46
$21,000
$4,655
-77.83%
$-16,345
Feb 3, 2023
$3.89
$21,500
$7,861
-63.44%
$-13,639
Mar 3, 2023
$4.96
$22,000
$10,523
-52.17%
$-11,477
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Frequently Asked Questions
Common questions about DCA investing in OSCR
Investing $500 per month in Oscar Health, Inc. (OSCR) over the past 5 years would be worth approximately $67K today. That's +62.5% total return on $41K invested, with a +9.8% compound annual growth rate (CAGR).