Dollar cost averaging (DCA) in RWTN 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 RWTN Analysis
RWTN DCA Calculator
Dollar Cost Averaging — Redwood Trust, Inc. 9.125% Seni
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+21.0%
Final Value$28.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+16.5%
Final Value$27.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+16.0%
Final Value$27.3K
Worst possible — still beats not investing
Best vs Worst gap5.0 pp
Your timing vs best-4.4%
Your timing vs worst+0.6%
If You Keep Investing…
Based on this stock's historical CAGR of 7.0%/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$36K~1.2x your moneyfrom $30K invested
10 Years$86K~1.4x your moneyfrom $60K invested
20 Years$254K~2.1x 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~1.4x your money
20 Years~2.1x your money
$100/mo
$4K+$381 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$51K+$27K est. gain
$250/mo
$10K+$952 est. gain
$18K+$3K est. gain
$43K+$13K est. gain
$127K+$67K est. gain
$500/mo
$20K+$2K est. gain
$36K+$6K est. gain
$86K+$26K est. gain
$254K+$134K est. gain
$1,000/mo
$40K+$4K est. gain
$71K+$11K est. gain
$171K+$51K est. gain
$508K+$268K est. gain
* Projection assumes historical CAGR of 7.0% continues. Actual returns will vary.
Your DCA Results by Date
28 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Feb 2, 2024
$25.02
$10,000
$10,000
+0.00%
$0
Mar 4, 2024
$25.30
$10,500
$10,612
+1.07%
$112
Apr 2, 2024
$25.50
$11,000
$11,196
+1.78%
$196
May 2, 2024
$26.00
$11,500
$11,915
+3.61%
$415
Jun 3, 2024
$25.30
$12,000
$12,470
+3.92%
$470
Jul 2, 2024
$25.11
$12,500
$12,877
+3.01%
$377
Aug 2, 2024
$24.90
$13,000
$13,269
+2.07%
$269
Sep 3, 2024
$25.07
$13,500
$14,169
+4.96%
$669
Oct 2, 2024
$25.50
$14,000
$14,912
+6.52%
$912
Nov 4, 2024
$25.56
$14,500
$15,447
+6.53%
$947
Dec 2, 2024
$25.40
$15,000
$16,198
+7.99%
$1,198
Jan 2, 2025
$25.29
$15,500
$16,628
+7.28%
$1,128
Feb 3, 2025
$25.12
$16,000
$17,016
+6.35%
$1,016
Mar 3, 2025
$24.81
$16,500
$17,694
+7.24%
$1,194
Apr 2, 2025
$25.10
$17,000
$18,401
+8.24%
$1,401
May 2, 2025
$25.12
$17,500
$18,915
+8.09%
$1,415
Jun 2, 2025
$24.53
$18,000
$19,403
+7.79%
$1,403
Jul 2, 2025
$24.77
$18,500
$20,093
+8.61%
$1,593
Aug 4, 2025
$24.66
$19,000
$20,503
+7.91%
$1,503
Sep 2, 2025
$24.36
$19,500
$21,226
+8.85%
$1,726
Oct 2, 2025
$24.82
$20,000
$22,127
+10.63%
$2,127
Nov 3, 2025
$25.30
$20,500
$23,055
+12.46%
$2,555
Dec 2, 2025
$24.80
$21,000
$23,615
+12.45%
$2,615
Jan 2, 2026
$24.95
$21,500
$24,258
+12.83%
$2,758
Feb 2, 2026
$25.25
$22,000
$25,049
+13.86%
$3,049
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Frequently Asked Questions
Common questions about DCA investing in RWTN
Investing $500 per month in Redwood Trust, Inc. 9.125% Seni (RWTN) over the past 2 years would be worth approximately $27K today. That's +16.5% total return on $24K invested, with a +7.0% compound annual growth rate (CAGR). This includes $3K from reinvested dividends.