Dollar cost averaging (DCA) in SOHO 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+29.0%
Final Value$60.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+17.1%
Final Value$54.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+5.8%
Final Value$49.2K
Worst possible — still beats not investing
Best vs Worst gap23.2 pp
Your timing vs best-11.9%
Your timing vs worst+11.3%
If You Keep Investing…
Based on this stock's historical CAGR of 2.6%/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$32K~1.1x your moneyfrom $30K invested
10 Years$68K~1.1x your moneyfrom $60K invested
20 Years$157K~1.3x 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~1.1x your money
20 Years~1.3x your money
$100/mo
$4K+$139 est. gain
$6K+$398 est. gain
$14K+$2K est. gain
$31K+$7K est. gain
$250/mo
$9K+$348 est. gain
$16K+$996 est. gain
$34K+$4K est. gain
$78K+$18K est. gain
$500/mo
$19K+$697 est. gain
$32K+$2K est. gain
$68K+$8K est. gain
$157K+$37K est. gain
$1,000/mo
$37K+$1K est. gain
$64K+$4K est. gain
$137K+$17K est. gain
$314K+$74K est. gain
* Projection assumes historical CAGR of 2.6% continues. Actual returns will vary.
Your DCA Results by Date
74 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$6.71
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$6.30
$10,500
$9,889
-5.82%
$-611
Mar 2, 2020
$5.33
$11,000
$8,866
-19.40%
$-2,134
Apr 2, 2020
$1.44
$11,500
$3,103
-73.02%
$-8,397
May 4, 2020
$1.92
$12,000
$4,637
-61.36%
$-7,363
Jun 2, 2020
$2.74
$12,500
$7,118
-43.06%
$-5,382
Jul 2, 2020
$2.54
$13,000
$7,098
-45.40%
$-5,902
Aug 3, 2020
$2.08
$13,500
$6,313
-53.24%
$-7,187
Sep 2, 2020
$1.96
$14,000
$6,449
-53.94%
$-7,551
Oct 2, 2020
$1.85
$14,500
$6,587
-54.57%
$-7,913
Nov 2, 2020
$1.53
$15,000
$5,947
-60.35%
$-9,053
Dec 2, 2020
$2.29
$15,500
$9,402
-39.34%
$-6,098
Jan 4, 2021
$2.38
$16,000
$10,271
-35.81%
$-5,729
Feb 2, 2021
$2.78
$16,500
$12,497
-24.26%
$-4,003
Mar 2, 2021
$3.90
$17,000
$18,032
+6.07%
$1,032
Apr 5, 2021
$3.28
$17,500
$15,666
-10.48%
$-1,834
May 3, 2021
$3.16
$18,000
$15,592
-13.38%
$-2,408
Jun 2, 2021
$3.98
$18,500
$20,139
+8.86%
$1,639
Jul 2, 2021
$2.97
$19,000
$15,528
-18.27%
$-3,472
Aug 2, 2021
$2.35
$19,500
$12,787
-34.43%
$-6,713
Sep 2, 2021
$2.43
$20,000
$13,722
-31.39%
$-6,278
Oct 4, 2021
$2.57
$20,500
$15,012
-26.77%
$-5,488
Nov 2, 2021
$2.36
$21,000
$14,286
-31.97%
$-6,714
Dec 2, 2021
$2.36
$21,500
$14,786
-31.23%
$-6,714
Jan 3, 2022
$2.11
$22,000
$13,719
-37.64%
$-8,281
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Frequently Asked Questions
Common questions about DCA investing in SOHO
Investing $500 per month in Sotherly Hotels Inc. (SOHO) over the past 6 years would be worth approximately $54K today. That's +17.1% total return on $47K invested, with a +2.6% compound annual growth rate (CAGR). This includes $216 from reinvested dividends.