Dollar cost averaging (DCA) in RAY 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 RAY Analysis
RAY DCA Calculator
Dollar Cost Averaging — Raytech Holding Limited Ordinary Shares
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-65.2%
Final Value$7.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-75.1%
Final Value$5.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-78.9%
Final Value$4.6K
Worst possible — still beats not investing
Best vs Worst gap13.7 pp
Your timing vs best-9.9%
Your timing vs worst+3.9%
If You Keep Investing…
Based on this stock's historical CAGR of -50.5%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x 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~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -50.5% continues. Actual returns will vary.
Your DCA Results by Date
24 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
May 15, 2024
$67.68
$10,000
$10,000
+0.00%
$0
Jun 17, 2024
$58.08
$10,500
$9,082
-13.51%
$-1,418
Jul 15, 2024
$52.32
$11,000
$8,681
-21.08%
$-2,319
Aug 15, 2024
$24.96
$11,500
$4,641
-59.64%
$-6,859
Sep 16, 2024
$31.36
$12,000
$6,331
-47.24%
$-5,669
Oct 15, 2024
$26.88
$12,500
$5,927
-52.58%
$-6,573
Nov 15, 2024
$27.84
$13,000
$6,639
-48.93%
$-6,361
Dec 16, 2024
$25.44
$13,500
$6,566
-51.36%
$-6,934
Jan 15, 2025
$20.32
$14,000
$5,745
-58.97%
$-8,255
Feb 18, 2025
$20.16
$14,500
$6,200
-57.24%
$-8,300
Mar 17, 2025
$18.88
$15,000
$6,306
-57.96%
$-8,694
Apr 15, 2025
$41.92
$15,500
$14,501
-6.44%
$-999
May 15, 2025
$26.56
$16,000
$9,688
-39.45%
$-6,312
Jun 16, 2025
$19.36
$16,500
$7,562
-54.17%
$-8,938
Jul 15, 2025
$34.72
$17,000
$14,061
-17.29%
$-2,939
Aug 15, 2025
$46.72
$17,500
$19,421
+10.98%
$1,921
Sep 15, 2025
$9.12
$18,000
$4,291
-76.16%
$-13,709
Oct 15, 2025
$7.20
$18,500
$3,888
-78.99%
$-14,612
Nov 17, 2025
$2.09
$19,000
$1,629
-91.43%
$-17,371
Dec 15, 2025
$1.64
$19,500
$1,778
-90.88%
$-17,722
Jan 15, 2026
$3.06
$20,000
$3,817
-80.91%
$-16,183
Feb 17, 2026
$4.19
$20,500
$5,726
-72.07%
$-14,774
Mar 16, 2026
$4.27
$21,000
$6,336
-69.83%
$-14,664
Apr 15, 2026
$3.20
$21,500
$5,249
-75.59%
$-16,251
Frequently Asked Questions
Common questions about DCA investing in RAY
Investing $500 per month in Raytech Holding Limited Ordinary Shares (RAY) over the past 2 years would be worth approximately $5K today. That's -75.1% total return on $22K invested, with a -50.5% compound annual growth rate (CAGR).