Dollar cost averaging (DCA) in PLBC 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+111.0%
Final Value$102.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+101.6%
Final Value$97.8K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+92.4%
Final Value$93.3K
Worst possible — still beats not investing
Best vs Worst gap18.6 pp
Your timing vs best-9.4%
Your timing vs worst+9.2%
If You Keep Investing…
Based on this stock's historical CAGR of 11.5%/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$40K~1.3x your moneyfrom $30K invested
10 Years$108K~1.8x your moneyfrom $60K invested
20 Years$429K~3.6x 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~1.8x your money
20 Years~3.6x your money
$100/mo
$4K+$638 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$86K+$62K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$54K+$24K est. gain
$215K+$155K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$108K+$48K est. gain
$429K+$309K est. gain
$1,000/mo
$42K+$6K est. gain
$79K+$19K est. gain
$216K+$96K est. gain
$858K+$618K est. gain
* Projection assumes historical CAGR of 11.5% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$26.07
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$25.51
$10,500
$10,285
-2.05%
$-215
Mar 2, 2020
$24.83
$11,000
$10,511
-4.45%
$-489
Apr 1, 2020
$18.34
$11,500
$8,264
-28.14%
$-3,236
May 1, 2020
$18.00
$12,000
$8,665
-27.80%
$-3,335
Jun 1, 2020
$19.02
$12,500
$9,656
-22.76%
$-2,844
Jul 1, 2020
$21.99
$13,000
$11,663
-10.28%
$-1,337
Aug 3, 2020
$21.38
$13,500
$11,905
-11.82%
$-1,595
Sep 1, 2020
$19.99
$14,000
$11,631
-16.92%
$-2,369
Oct 1, 2020
$19.63
$14,500
$11,922
-17.78%
$-2,578
Nov 2, 2020
$20.14
$15,000
$12,804
-14.64%
$-2,196
Dec 2, 2020
$24.62
$15,500
$16,152
+4.21%
$652
Jan 4, 2021
$23.14
$16,000
$15,681
-1.99%
$-319
Feb 2, 2021
$24.75
$16,500
$17,367
+5.25%
$867
Mar 2, 2021
$25.54
$17,000
$18,421
+8.36%
$1,421
Apr 1, 2021
$29.65
$17,500
$21,886
+25.06%
$4,386
May 3, 2021
$27.51
$18,000
$20,912
+16.18%
$2,912
Jun 1, 2021
$30.62
$18,500
$23,776
+28.52%
$5,276
Jul 1, 2021
$32.71
$19,000
$25,899
+36.31%
$6,899
Aug 2, 2021
$32.04
$19,500
$25,982
+33.24%
$6,482
Sep 1, 2021
$32.42
$20,000
$26,790
+33.95%
$6,790
Oct 1, 2021
$31.82
$20,500
$26,795
+30.71%
$6,295
Nov 2, 2021
$37.33
$21,000
$32,053
+52.64%
$11,053
Dec 2, 2021
$36.32
$21,500
$31,686
+47.38%
$10,186
Jan 3, 2022
$34.50
$22,000
$30,598
+39.08%
$8,598
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Frequently Asked Questions
Common questions about DCA investing in PLBC
Investing $500 per month in Plumas Bancorp (PLBC) over the past 6 years would be worth approximately $98K today. That's +101.6% total return on $49K invested, with a +11.5% compound annual growth rate (CAGR). This includes $7K from reinvested dividends.