Dollar cost averaging (DCA) in PRA 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+27.6%
Final Value$61.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+19.5%
Final Value$57.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+12.9%
Final Value$54.2K
Worst possible — still beats not investing
Best vs Worst gap14.7 pp
Your timing vs best-8.0%
Your timing vs worst+6.6%
If You Keep Investing…
Based on this stock's historical CAGR of 2.9%/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$69K~1.2x your moneyfrom $60K invested
20 Years$161K~1.3x 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~1.3x your money
$100/mo
$4K+$152 est. gain
$6K+$435 est. gain
$14K+$2K est. gain
$32K+$8K est. gain
$250/mo
$9K+$380 est. gain
$16K+$1K est. gain
$35K+$5K est. gain
$80K+$20K est. gain
$500/mo
$19K+$760 est. gain
$32K+$2K est. gain
$69K+$9K est. gain
$161K+$41K est. gain
$1,000/mo
$38K+$2K est. gain
$64K+$4K est. gain
$138K+$18K est. gain
$322K+$82K est. gain
* Projection assumes historical CAGR of 2.9% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$36.34
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$31.09
$10,500
$9,055
-13.76%
$-1,445
Mar 2, 2020
$28.18
$11,000
$8,708
-20.84%
$-2,292
Apr 2, 2020
$22.42
$11,500
$7,514
-34.66%
$-3,986
May 4, 2020
$20.40
$12,000
$7,337
-38.86%
$-4,663
Jun 2, 2020
$14.44
$12,500
$5,693
-54.45%
$-6,807
Jul 2, 2020
$13.99
$13,000
$6,034
-53.59%
$-6,966
Aug 3, 2020
$14.42
$13,500
$6,719
-50.23%
$-6,781
Sep 2, 2020
$15.18
$14,000
$7,573
-45.91%
$-6,427
Oct 2, 2020
$15.78
$14,500
$8,400
-42.07%
$-6,100
Nov 2, 2020
$15.62
$15,000
$8,815
-41.23%
$-6,185
Dec 2, 2020
$16.00
$15,500
$9,529
-38.52%
$-5,971
Jan 4, 2021
$18.16
$16,000
$11,346
-29.09%
$-4,654
Feb 2, 2021
$18.79
$16,500
$12,239
-25.82%
$-4,261
Mar 2, 2021
$24.71
$17,000
$16,595
-2.38%
$-405
Apr 5, 2021
$27.26
$17,500
$18,842
+7.67%
$1,342
May 3, 2021
$25.70
$18,000
$18,264
+1.46%
$264
Jun 2, 2021
$23.89
$18,500
$17,477
-5.53%
$-1,023
Jul 2, 2021
$22.50
$19,000
$16,997
-10.54%
$-2,003
Aug 2, 2021
$20.29
$19,500
$15,827
-18.83%
$-3,673
Sep 2, 2021
$25.34
$20,000
$20,267
+1.33%
$267
Oct 4, 2021
$23.28
$20,500
$19,159
-6.54%
$-1,341
Nov 2, 2021
$24.51
$21,000
$20,672
-1.56%
$-328
Dec 2, 2021
$23.41
$21,500
$20,244
-5.84%
$-1,256
Jan 3, 2022
$25.08
$22,000
$22,234
+1.06%
$234
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Frequently Asked Questions
Common questions about DCA investing in PRA
Investing $500 per month in ProAssurance Corporation (PRA) over the past 6 years would be worth approximately $57K today. That's +19.5% total return on $48K invested, with a +2.9% compound annual growth rate (CAGR). This includes $590 from reinvested dividends.