Dollar cost averaging (DCA) in SF 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+138.5%
Final Value$114.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+127.1%
Final Value$109.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+115.8%
Final Value$103.6K
Worst possible — still beats not investing
Best vs Worst gap22.7 pp
Your timing vs best-11.3%
Your timing vs worst+11.4%
If You Keep Investing…
Based on this stock's historical CAGR of 13.8%/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$42K~1.4x your moneyfrom $30K invested
10 Years$122K~2.0x your moneyfrom $60K invested
20 Years$568K~4.7x 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~4.7x your money
$100/mo
$4K+$775 est. gain
$8K+$2K est. gain
$24K+$12K est. gain
$114K+$90K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$61K+$31K est. gain
$284K+$224K est. gain
$500/mo
$22K+$4K est. gain
$42K+$12K est. gain
$122K+$62K est. gain
$568K+$448K est. gain
$1,000/mo
$44K+$8K est. gain
$84K+$24K est. gain
$244K+$124K est. gain
$1.1M+$895K est. gain
* Projection assumes historical CAGR of 13.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$27.31
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$29.08
$10,500
$11,148
+6.17%
$648
Mar 2, 2020
$25.77
$11,000
$10,425
-5.22%
$-575
Apr 2, 2020
$17.19
$11,500
$7,454
-35.18%
$-4,046
May 4, 2020
$18.51
$12,000
$8,527
-28.94%
$-3,473
Jun 2, 2020
$21.91
$12,500
$10,647
-14.82%
$-1,853
Jul 2, 2020
$20.37
$13,000
$10,399
-20.01%
$-2,601
Aug 3, 2020
$21.77
$13,500
$11,613
-13.98%
$-1,887
Sep 2, 2020
$23.35
$14,000
$13,019
-7.01%
$-981
Oct 2, 2020
$23.70
$14,500
$13,714
-5.42%
$-786
Nov 2, 2020
$26.24
$15,000
$15,684
+4.56%
$684
Dec 2, 2020
$32.37
$15,500
$19,919
+28.51%
$4,419
Jan 4, 2021
$32.64
$16,000
$20,585
+28.66%
$4,585
Feb 2, 2021
$35.71
$16,500
$23,021
+39.52%
$6,521
Mar 2, 2021
$41.63
$17,000
$27,436
+61.39%
$10,436
Apr 5, 2021
$44.45
$17,500
$29,795
+70.26%
$12,295
May 3, 2021
$47.05
$18,000
$32,038
+77.99%
$14,038
Jun 2, 2021
$45.58
$18,500
$31,637
+71.01%
$13,137
Jul 2, 2021
$43.45
$19,000
$30,659
+61.36%
$11,659
Aug 2, 2021
$43.98
$19,500
$31,533
+61.71%
$12,033
Sep 2, 2021
$46.20
$20,000
$33,733
+68.66%
$13,733
Oct 4, 2021
$46.17
$20,500
$34,211
+66.88%
$13,711
Nov 2, 2021
$49.89
$21,000
$37,467
+78.41%
$16,467
Dec 2, 2021
$48.27
$21,500
$36,865
+71.47%
$15,365
Jan 3, 2022
$47.76
$22,000
$36,976
+68.07%
$14,976
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Frequently Asked Questions
Common questions about DCA investing in SF
Investing $500 per month in Stifel Financial Corp. (SF) over the past 6 years would be worth approximately $109K today. That's +127.1% total return on $48K invested, with a +13.8% compound annual growth rate (CAGR). This includes $7K from reinvested dividends.