Dollar cost averaging (DCA) in PFSI 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 PFSI Analysis
PFSI DCA Calculator
Dollar Cost Averaging — PennyMac Financial Services, 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+80.6%
Final Value$86.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+71.3%
Final Value$82.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+60.7%
Final Value$77.2K
Worst possible — still beats not investing
Best vs Worst gap19.8 pp
Your timing vs best-9.3%
Your timing vs worst+10.5%
If You Keep Investing…
Based on this stock's historical CAGR of 8.9%/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$37K~1.2x your moneyfrom $30K invested
10 Years$94K~1.6x your moneyfrom $60K invested
20 Years$314K~2.6x 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~1.6x your money
20 Years~2.6x your money
$100/mo
$4K+$485 est. gain
$7K+$1K est. gain
$19K+$7K est. gain
$63K+$39K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$47K+$17K est. gain
$157K+$97K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$94K+$34K est. gain
$314K+$194K est. gain
$1,000/mo
$41K+$5K est. gain
$74K+$14K est. gain
$188K+$68K est. gain
$629K+$389K est. gain
* Projection assumes historical CAGR of 8.9% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$33.43
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$33.96
$10,500
$10,659
+1.51%
$159
Mar 2, 2020
$36.15
$11,000
$11,884
+8.04%
$884
Apr 2, 2020
$17.91
$11,500
$6,388
-44.45%
$-5,112
May 4, 2020
$28.22
$12,000
$10,565
-11.96%
$-1,435
Jun 2, 2020
$35.03
$12,500
$13,669
+9.35%
$1,169
Jul 2, 2020
$40.52
$13,000
$16,312
+25.47%
$3,312
Aug 3, 2020
$48.76
$13,500
$20,129
+49.10%
$6,629
Sep 2, 2020
$53.57
$14,000
$22,681
+62.01%
$8,681
Oct 2, 2020
$59.96
$14,500
$25,887
+78.53%
$11,387
Nov 2, 2020
$51.14
$15,000
$22,579
+50.53%
$7,579
Dec 2, 2020
$60.49
$15,500
$27,278
+75.99%
$11,778
Jan 4, 2021
$62.20
$16,000
$28,550
+78.44%
$12,550
Feb 2, 2021
$63.01
$16,500
$29,421
+78.31%
$12,921
Mar 2, 2021
$62.13
$17,000
$29,601
+74.12%
$12,601
Apr 5, 2021
$62.97
$17,500
$30,501
+74.29%
$13,001
May 3, 2021
$59.53
$18,000
$29,334
+62.97%
$11,334
Jun 2, 2021
$60.12
$18,500
$30,224
+63.37%
$11,724
Jul 2, 2021
$60.12
$19,000
$30,724
+61.70%
$11,724
Aug 2, 2021
$64.57
$19,500
$33,498
+71.78%
$13,998
Sep 2, 2021
$66.28
$20,000
$34,987
+74.94%
$14,987
Oct 4, 2021
$61.32
$20,500
$32,869
+60.34%
$12,369
Nov 2, 2021
$65.03
$21,000
$35,357
+68.37%
$14,357
Dec 2, 2021
$68.44
$21,500
$37,826
+75.93%
$16,326
Jan 3, 2022
$70.10
$22,000
$39,243
+78.38%
$17,243
Page 1 of 4
Frequently Asked Questions
Common questions about DCA investing in PFSI
Investing $500 per month in PennyMac Financial Services, Inc. (PFSI) over the past 6 years would be worth approximately $82K today. That's +71.3% total return on $48K invested, with a +8.9% compound annual growth rate (CAGR). This includes $4K from reinvested dividends.