Dollar cost averaging (DCA) in PMT 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 PMT Analysis
PMT DCA Calculator
Dollar Cost Averaging — PennyMac Mortgage Investment Trust
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+31.4%
Final Value$63.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+22.1%
Final Value$58.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+15.6%
Final Value$55.5K
Worst possible — still beats not investing
Best vs Worst gap15.7 pp
Your timing vs best-9.3%
Your timing vs worst+6.5%
If You Keep Investing…
Based on this stock's historical CAGR of 3.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.0x your moneyfrom $18K invested
5 Years$32K~1.1x your moneyfrom $30K invested
10 Years$70K~1.2x your moneyfrom $60K invested
20 Years$167K~1.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.1x your money
10 Years~1.2x your money
20 Years~1.4x your money
$100/mo
$4K+$171 est. gain
$6K+$490 est. gain
$14K+$2K est. gain
$33K+$9K est. gain
$250/mo
$9K+$427 est. gain
$16K+$1K est. gain
$35K+$5K est. gain
$83K+$23K est. gain
$500/mo
$19K+$853 est. gain
$32K+$2K est. gain
$70K+$10K est. gain
$167K+$47K est. gain
$1,000/mo
$38K+$2K est. gain
$65K+$5K est. gain
$141K+$21K est. gain
$334K+$94K est. gain
* Projection assumes historical CAGR of 3.2% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$22.22
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$23.30
$10,500
$10,986
+4.63%
$486
Mar 2, 2020
$22.21
$11,000
$10,972
-0.25%
$-28
Apr 2, 2020
$8.00
$11,500
$4,452
-61.29%
$-7,048
May 4, 2020
$9.53
$12,000
$5,933
-50.55%
$-6,067
Jun 2, 2020
$11.63
$12,500
$7,741
-38.07%
$-4,759
Jul 2, 2020
$17.00
$13,000
$11,815
-9.11%
$-1,185
Aug 3, 2020
$19.12
$13,500
$14,089
+4.36%
$589
Sep 2, 2020
$17.44
$14,000
$13,351
-4.64%
$-649
Oct 2, 2020
$16.76
$14,500
$13,330
-8.07%
$-1,170
Nov 2, 2020
$15.67
$15,000
$13,262
-11.59%
$-1,738
Dec 2, 2020
$17.44
$15,500
$15,260
-1.55%
$-240
Jan 4, 2021
$17.06
$16,000
$15,829
-1.07%
$-171
Feb 2, 2021
$17.95
$16,500
$17,155
+3.97%
$655
Mar 2, 2021
$18.86
$17,000
$18,525
+8.97%
$1,525
Apr 5, 2021
$20.15
$17,500
$20,292
+15.95%
$2,792
May 3, 2021
$20.13
$18,000
$21,256
+18.09%
$3,256
Jun 2, 2021
$19.75
$18,500
$21,355
+15.43%
$2,855
Jul 2, 2021
$21.00
$19,000
$23,206
+22.14%
$4,206
Aug 2, 2021
$19.67
$19,500
$22,760
+16.72%
$3,260
Sep 2, 2021
$19.48
$20,000
$23,041
+15.20%
$3,041
Oct 4, 2021
$19.92
$20,500
$24,061
+17.37%
$3,561
Nov 2, 2021
$20.13
$21,000
$25,386
+20.88%
$4,386
Dec 2, 2021
$18.03
$21,500
$23,237
+8.08%
$1,737
Jan 3, 2022
$17.74
$22,000
$23,977
+8.99%
$1,977
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Frequently Asked Questions
Common questions about DCA investing in PMT
Investing $500 per month in PennyMac Mortgage Investment Trust (PMT) over the past 6 years would be worth approximately $59K today. That's +22.1% total return on $48K invested, with a +3.2% compound annual growth rate (CAGR). This includes $23K from reinvested dividends.