Dollar cost averaging (DCA) in SFST 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 SFST Analysis
SFST DCA Calculator
Dollar Cost Averaging — Southern First Bancshares, 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+57.6%
Final Value$75.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+49.4%
Final Value$71.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+41.2%
Final Value$67.8K
Worst possible — still beats not investing
Best vs Worst gap16.3 pp
Your timing vs best-8.1%
Your timing vs worst+8.2%
If You Keep Investing…
Based on this stock's historical CAGR of 6.5%/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$35K~1.2x your moneyfrom $30K invested
10 Years$84K~1.4x your moneyfrom $60K invested
20 Years$241K~2.0x 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~2.0x your money
$100/mo
$4K+$354 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$48K+$24K est. gain
$250/mo
$10K+$886 est. gain
$18K+$3K est. gain
$42K+$12K est. gain
$120K+$60K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$84K+$24K est. gain
$241K+$121K est. gain
$1,000/mo
$40K+$4K est. gain
$70K+$10K est. gain
$167K+$47K est. gain
$482K+$242K est. gain
* Projection assumes historical CAGR of 6.5% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$42.31
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$39.64
$10,500
$9,869
-6.01%
$-631
Mar 2, 2020
$38.23
$11,000
$10,018
-8.93%
$-982
Apr 2, 2020
$25.30
$11,500
$7,130
-38.00%
$-4,370
May 4, 2020
$29.26
$12,000
$8,746
-27.12%
$-3,254
Jun 2, 2020
$27.23
$12,500
$8,639
-30.89%
$-3,861
Jul 2, 2020
$25.73
$13,000
$8,663
-33.36%
$-4,337
Aug 3, 2020
$24.69
$13,500
$8,813
-34.72%
$-4,687
Sep 2, 2020
$26.24
$14,000
$9,866
-29.53%
$-4,134
Oct 2, 2020
$25.98
$14,500
$10,268
-29.18%
$-4,232
Nov 2, 2020
$27.84
$15,000
$11,503
-23.31%
$-3,497
Dec 2, 2020
$33.52
$15,500
$14,350
-7.42%
$-1,150
Jan 4, 2021
$35.19
$16,000
$15,565
-2.72%
$-435
Feb 2, 2021
$40.56
$16,500
$18,441
+11.76%
$1,941
Mar 2, 2021
$44.42
$17,000
$20,696
+21.74%
$3,696
Apr 5, 2021
$49.08
$17,500
$23,367
+33.52%
$5,867
May 3, 2021
$51.84
$18,000
$25,181
+39.89%
$7,181
Jun 2, 2021
$53.69
$18,500
$26,579
+43.67%
$8,079
Jul 2, 2021
$51.15
$19,000
$25,822
+35.91%
$6,822
Aug 2, 2021
$49.64
$19,500
$25,560
+31.08%
$6,060
Sep 2, 2021
$50.76
$20,000
$26,636
+33.18%
$6,636
Oct 4, 2021
$54.51
$20,500
$29,104
+41.97%
$8,604
Nov 2, 2021
$54.95
$21,000
$29,839
+42.09%
$8,839
Dec 2, 2021
$61.65
$21,500
$33,977
+58.03%
$12,477
Jan 3, 2022
$64.19
$22,000
$35,877
+63.08%
$13,877
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Frequently Asked Questions
Common questions about DCA investing in SFST
Investing $500 per month in Southern First Bancshares, Inc. (SFST) over the past 6 years would be worth approximately $72K today. That's +49.4% total return on $48K invested, with a +6.5% compound annual growth rate (CAGR).