Dollar cost averaging (DCA) in PEBO 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+58.4%
Final Value$76.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+51.5%
Final Value$73.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+44.9%
Final Value$70.3K
Worst possible — still beats not investing
Best vs Worst gap13.5 pp
Your timing vs best-6.9%
Your timing vs worst+6.6%
If You Keep Investing…
Based on this stock's historical CAGR of 6.7%/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$35K~1.2x your moneyfrom $30K invested
10 Years$84K~1.4x your moneyfrom $60K invested
20 Years$244K~2.0x 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~2.0x your money
$100/mo
$4K+$361 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$49K+$25K est. gain
$250/mo
$10K+$902 est. gain
$18K+$3K est. gain
$42K+$12K est. gain
$122K+$62K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$84K+$24K est. gain
$244K+$124K est. gain
$1,000/mo
$40K+$4K est. gain
$71K+$11K est. gain
$168K+$48K est. gain
$488K+$248K est. gain
* Projection assumes historical CAGR of 6.7% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$34.66
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$32.97
$10,500
$10,112
-3.70%
$-388
Mar 2, 2020
$29.69
$11,000
$9,606
-12.67%
$-1,394
Apr 1, 2020
$20.88
$11,500
$7,255
-36.91%
$-4,245
May 1, 2020
$23.64
$12,000
$8,833
-26.39%
$-3,167
Jun 1, 2020
$22.23
$12,500
$8,806
-29.55%
$-3,694
Jul 1, 2020
$20.14
$13,000
$8,478
-34.79%
$-4,522
Aug 3, 2020
$20.20
$13,500
$9,147
-32.24%
$-4,353
Sep 1, 2020
$21.16
$14,000
$10,082
-27.99%
$-3,918
Oct 1, 2020
$19.25
$14,500
$9,672
-33.30%
$-4,828
Nov 2, 2020
$22.92
$15,000
$12,194
-18.71%
$-2,806
Dec 2, 2020
$26.02
$15,500
$14,344
-7.46%
$-1,156
Jan 4, 2021
$27.22
$16,000
$15,505
-3.09%
$-495
Feb 2, 2021
$31.35
$16,500
$18,358
+11.26%
$1,858
Mar 2, 2021
$31.47
$17,000
$19,137
+12.57%
$2,137
Apr 1, 2021
$33.14
$17,500
$20,653
+18.02%
$3,153
May 3, 2021
$33.74
$18,000
$21,753
+20.85%
$3,753
Jun 1, 2021
$32.80
$18,500
$21,647
+17.01%
$3,147
Jul 1, 2021
$29.75
$19,000
$20,134
+5.97%
$1,134
Aug 2, 2021
$29.07
$19,500
$20,414
+4.69%
$914
Sep 1, 2021
$31.21
$20,000
$22,417
+12.08%
$2,417
Oct 1, 2021
$32.09
$20,500
$23,549
+14.87%
$3,049
Nov 2, 2021
$31.99
$21,000
$23,976
+14.17%
$2,976
Dec 2, 2021
$31.75
$21,500
$24,557
+14.22%
$3,057
Jan 3, 2022
$32.07
$22,000
$25,305
+15.02%
$3,305
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Frequently Asked Questions
Common questions about DCA investing in PEBO
Investing $500 per month in Peoples Bancorp Inc. (PEBO) over the past 6 years would be worth approximately $73K today. That's +51.5% total return on $49K invested, with a +6.7% compound annual growth rate (CAGR). This includes $11K from reinvested dividends.