Dollar cost averaging (DCA) in RDN 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+76.2%
Final Value$84.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+66.4%
Final Value$79.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+58.4%
Final Value$76.0K
Worst possible — still beats not investing
Best vs Worst gap17.8 pp
Your timing vs best-9.8%
Your timing vs worst+8.0%
If You Keep Investing…
Based on this stock's historical CAGR of 8.4%/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$92K~1.5x your moneyfrom $60K invested
20 Years$297K~2.5x 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~1.5x your money
20 Years~2.5x your money
$100/mo
$4K+$457 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$59K+$35K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$46K+$16K est. gain
$148K+$88K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$92K+$32K est. gain
$297K+$177K est. gain
$1,000/mo
$41K+$5K est. gain
$74K+$14K est. gain
$184K+$64K est. gain
$594K+$354K est. gain
* Projection assumes historical CAGR of 8.4% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$24.94
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$24.95
$10,500
$10,504
+0.04%
$4
Mar 2, 2020
$22.73
$11,000
$10,120
-8.00%
$-880
Apr 2, 2020
$11.49
$11,500
$5,616
-51.17%
$-5,884
May 4, 2020
$13.84
$12,000
$7,264
-39.47%
$-4,736
Jun 2, 2020
$16.93
$12,500
$9,459
-24.33%
$-3,041
Jul 2, 2020
$15.03
$13,000
$8,898
-31.56%
$-4,102
Aug 3, 2020
$14.97
$13,500
$9,362
-30.65%
$-4,138
Sep 2, 2020
$16.05
$14,000
$10,623
-24.12%
$-3,377
Oct 2, 2020
$15.70
$14,500
$10,891
-24.89%
$-3,609
Nov 2, 2020
$18.23
$15,000
$13,146
-12.36%
$-1,854
Dec 2, 2020
$19.54
$15,500
$14,684
-5.26%
$-816
Jan 4, 2021
$19.47
$16,000
$15,132
-5.43%
$-868
Feb 2, 2021
$19.74
$16,500
$15,842
-3.99%
$-658
Mar 2, 2021
$21.08
$17,000
$17,518
+3.05%
$518
Apr 5, 2021
$23.60
$17,500
$20,112
+14.93%
$2,612
May 3, 2021
$24.72
$18,000
$21,567
+19.82%
$3,567
Jun 2, 2021
$22.98
$18,500
$20,671
+11.73%
$2,171
Jul 2, 2021
$22.54
$19,000
$20,775
+9.34%
$1,775
Aug 2, 2021
$22.41
$19,500
$21,155
+8.49%
$1,655
Sep 2, 2021
$23.37
$20,000
$22,693
+13.46%
$2,693
Oct 4, 2021
$23.20
$20,500
$23,028
+12.33%
$2,528
Nov 2, 2021
$24.38
$21,000
$24,699
+17.61%
$3,699
Dec 2, 2021
$21.02
$21,500
$21,934
+2.02%
$434
Jan 3, 2022
$21.21
$22,000
$22,632
+2.87%
$632
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Frequently Asked Questions
Common questions about DCA investing in RDN
Investing $500 per month in Radian Group Inc. (RDN) over the past 6 years would be worth approximately $80K today. That's +66.4% total return on $48K invested, with a +8.4% compound annual growth rate (CAGR). This includes $8K from reinvested dividends.