Dollar cost averaging (DCA) in SCM 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 SCM Analysis
SCM DCA Calculator
Dollar Cost Averaging — Stellus Capital Investment Corporation
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+29.0%
Final Value$61.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+22.8%
Final Value$58.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+16.9%
Final Value$56.1K
Worst possible — still beats not investing
Best vs Worst gap12.1 pp
Your timing vs best-6.3%
Your timing vs worst+5.9%
If You Keep Investing…
Based on this stock's historical CAGR of 3.3%/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$33K~1.1x your moneyfrom $30K invested
10 Years$71K~1.2x your moneyfrom $60K invested
20 Years$169K~1.4x 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~1.4x your money
$100/mo
$4K+$175 est. gain
$7K+$504 est. gain
$14K+$2K est. gain
$34K+$10K est. gain
$250/mo
$9K+$438 est. gain
$16K+$1K est. gain
$35K+$5K est. gain
$84K+$24K est. gain
$500/mo
$19K+$877 est. gain
$33K+$3K est. gain
$71K+$11K est. gain
$169K+$49K est. gain
$1,000/mo
$38K+$2K est. gain
$65K+$5K est. gain
$141K+$21K est. gain
$337K+$97K est. gain
* Projection assumes historical CAGR of 3.3% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$14.21
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$14.41
$10,500
$10,721
+2.10%
$221
Mar 2, 2020
$12.51
$11,000
$9,891
-10.08%
$-1,109
Apr 2, 2020
$5.58
$11,500
$4,980
-56.69%
$-6,520
May 4, 2020
$7.08
$12,000
$6,819
-43.17%
$-5,181
Jun 2, 2020
$8.18
$12,500
$8,379
-32.97%
$-4,121
Jul 2, 2020
$8.07
$13,000
$8,766
-32.57%
$-4,234
Aug 3, 2020
$7.99
$13,500
$9,452
-29.99%
$-4,048
Sep 2, 2020
$8.17
$14,000
$10,165
-27.40%
$-3,835
Oct 2, 2020
$8.88
$14,500
$11,865
-18.17%
$-2,635
Nov 2, 2020
$8.45
$15,000
$11,790
-21.40%
$-3,210
Dec 2, 2020
$11.31
$15,500
$16,281
+5.04%
$781
Jan 4, 2021
$10.77
$16,000
$16,422
+2.64%
$422
Feb 2, 2021
$10.63
$16,500
$16,837
+2.04%
$337
Mar 2, 2021
$11.75
$17,000
$19,244
+13.20%
$2,244
Apr 5, 2021
$12.96
$17,500
$21,866
+24.95%
$4,366
May 3, 2021
$13.33
$18,000
$23,129
+28.49%
$5,129
Jun 2, 2021
$13.39
$18,500
$23,880
+29.08%
$5,380
Jul 2, 2021
$12.91
$19,000
$23,676
+24.61%
$4,676
Aug 2, 2021
$12.97
$19,500
$24,447
+25.37%
$4,947
Sep 2, 2021
$12.92
$20,000
$25,022
+25.11%
$5,022
Oct 4, 2021
$13.25
$20,500
$26,335
+28.46%
$5,835
Nov 2, 2021
$13.85
$21,000
$28,211
+34.34%
$7,211
Dec 2, 2021
$13.38
$21,500
$27,939
+29.95%
$6,439
Jan 3, 2022
$13.34
$22,000
$28,555
+29.80%
$6,555
Page 1 of 4
Frequently Asked Questions
Common questions about DCA investing in SCM
Investing $500 per month in Stellus Capital Investment Corporation (SCM) over the past 6 years would be worth approximately $59K today. That's +22.8% total return on $48K invested, with a +3.3% compound annual growth rate (CAGR). This includes $29K from reinvested dividends.