Dollar cost averaging (DCA) in RYAM 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 RYAM Analysis
RYAM DCA Calculator
Dollar Cost Averaging — Rayonier Advanced Materials Inc.
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+147.8%
Final Value$118.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+120.0%
Final Value$105.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+93.0%
Final Value$92.7K
Worst possible — still beats not investing
Best vs Worst gap54.8 pp
Your timing vs best-27.8%
Your timing vs worst+27.0%
If You Keep Investing…
Based on this stock's historical CAGR of 13.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$41K~1.4x your moneyfrom $30K invested
10 Years$118K~2.0x your moneyfrom $60K invested
20 Years$529K~4.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.2x your money
5 Years~1.4x your money
10 Years~2.0x your money
20 Years~4.4x your money
$100/mo
$4K+$741 est. gain
$8K+$2K est. gain
$24K+$12K est. gain
$106K+$82K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$59K+$29K est. gain
$265K+$205K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$118K+$58K est. gain
$529K+$409K est. gain
$1,000/mo
$43K+$7K est. gain
$83K+$23K est. gain
$237K+$117K est. gain
$1.1M+$819K est. gain
* Projection assumes historical CAGR of 13.2% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$4.00
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$2.97
$10,500
$7,925
-24.52%
$-2,575
Mar 2, 2020
$2.25
$11,000
$6,504
-40.87%
$-4,496
Apr 2, 2020
$0.98
$11,500
$3,333
-71.02%
$-8,167
May 4, 2020
$1.39
$12,000
$5,227
-56.44%
$-6,773
Jun 2, 2020
$2.43
$12,500
$9,638
-22.90%
$-2,862
Jul 2, 2020
$2.75
$13,000
$11,407
-12.25%
$-1,593
Aug 3, 2020
$2.85
$13,500
$12,322
-8.73%
$-1,178
Sep 2, 2020
$3.39
$14,000
$15,157
+8.26%
$1,157
Oct 2, 2020
$3.42
$14,500
$15,791
+8.90%
$1,291
Nov 2, 2020
$3.47
$15,000
$16,522
+10.14%
$1,522
Dec 2, 2020
$7.37
$15,500
$35,591
+129.62%
$20,091
Jan 4, 2021
$6.56
$16,000
$32,179
+101.12%
$16,179
Feb 2, 2021
$7.98
$16,500
$39,645
+140.27%
$23,145
Mar 2, 2021
$10.16
$17,000
$50,975
+199.85%
$33,975
Apr 5, 2021
$9.64
$17,500
$48,866
+179.23%
$31,366
May 3, 2021
$9.53
$18,000
$48,808
+171.16%
$30,808
Jun 2, 2021
$7.68
$18,500
$39,834
+115.32%
$21,334
Jul 2, 2021
$6.68
$19,000
$35,147
+84.98%
$16,147
Aug 2, 2021
$6.99
$19,500
$37,278
+91.17%
$17,778
Sep 2, 2021
$7.20
$20,000
$38,898
+94.49%
$18,898
Oct 4, 2021
$7.55
$20,500
$41,289
+101.41%
$20,789
Nov 2, 2021
$7.56
$21,000
$41,843
+99.25%
$20,843
Dec 2, 2021
$5.54
$21,500
$31,163
+44.94%
$9,663
Jan 3, 2022
$5.84
$22,000
$33,351
+51.59%
$11,351
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Frequently Asked Questions
Common questions about DCA investing in RYAM
Investing $500 per month in Rayonier Advanced Materials Inc. (RYAM) over the past 6 years would be worth approximately $106K today. That's +120.0% total return on $48K invested, with a +13.2% compound annual growth rate (CAGR).