Dollar cost averaging (DCA) in OSS 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+485.0%
Final Value$280.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+437.0%
Final Value$257.8K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+388.5%
Final Value$234.5K
Worst possible — still beats not investing
Best vs Worst gap96.5 pp
Your timing vs best-48.0%
Your timing vs worst+48.5%
If You Keep Investing…
Based on this stock's historical CAGR of 30.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$27K~1.5x your moneyfrom $18K invested
5 Years$62K~2.1x your moneyfrom $30K invested
10 Years$295K~4.9x your moneyfrom $60K invested
20 Years$4.5M~37.2x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.5x your money
5 Years~2.1x your money
10 Years~4.9x your money
20 Years~37.2x your money
$100/mo
$5K+$2K est. gain
$12K+$6K est. gain
$59K+$47K est. gain
$894K+$870K est. gain
$250/mo
$14K+$5K est. gain
$31K+$16K est. gain
$147K+$117K est. gain
$2.2M+$2.2M est. gain
$500/mo
$27K+$9K est. gain
$62K+$32K est. gain
$295K+$235K est. gain
$4.5M+$4.3M est. gain
$1,000/mo
$54K+$18K est. gain
$124K+$64K est. gain
$589K+$469K est. gain
$8.9M+$8.7M est. gain
* Projection assumes historical CAGR of 30.4% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$2.17
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$2.72
$10,500
$13,064
+24.41%
$2,564
Mar 2, 2020
$2.19
$11,000
$11,018
+0.16%
$18
Apr 2, 2020
$1.17
$11,500
$6,386
-44.47%
$-5,114
May 4, 2020
$1.77
$12,000
$10,161
-15.32%
$-1,839
Jun 2, 2020
$1.66
$12,500
$10,030
-19.76%
$-2,470
Jul 2, 2020
$2.00
$13,000
$12,584
-3.20%
$-416
Aug 3, 2020
$2.48
$13,500
$16,104
+19.29%
$2,604
Sep 2, 2020
$2.68
$14,000
$17,903
+27.88%
$3,903
Oct 2, 2020
$2.13
$14,500
$14,729
+1.58%
$229
Nov 2, 2020
$2.22
$15,000
$15,851
+5.68%
$851
Dec 2, 2020
$2.76
$15,500
$20,207
+30.37%
$4,707
Jan 4, 2021
$3.81
$16,000
$28,395
+77.47%
$12,395
Feb 2, 2021
$5.10
$16,500
$38,509
+133.39%
$22,009
Mar 2, 2021
$7.91
$17,000
$60,226
+254.27%
$43,226
Apr 5, 2021
$6.52
$17,500
$50,143
+186.53%
$32,643
May 3, 2021
$5.53
$18,000
$43,029
+139.05%
$25,029
Jun 2, 2021
$5.58
$18,500
$43,918
+137.39%
$25,418
Jul 2, 2021
$5.62
$19,000
$44,733
+135.44%
$25,733
Aug 2, 2021
$6.28
$19,500
$50,486
+158.90%
$30,986
Sep 2, 2021
$5.89
$20,000
$47,851
+139.25%
$27,851
Oct 4, 2021
$4.80
$20,500
$39,496
+92.66%
$18,996
Nov 2, 2021
$5.49
$21,000
$45,673
+117.49%
$24,673
Dec 2, 2021
$4.95
$21,500
$41,681
+93.86%
$20,181
Jan 3, 2022
$4.98
$22,000
$42,433
+92.88%
$20,433
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Frequently Asked Questions
Common questions about DCA investing in OSS
Investing $500 per month in One Stop Systems, Inc. (OSS) over the past 6 years would be worth approximately $258K today. That's +437.0% total return on $48K invested, with a +30.4% compound annual growth rate (CAGR).