Dollar cost averaging (DCA) in TOP 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 TOP Analysis
TOP DCA Calculator
Dollar Cost Averaging — TOP Financial Group Limited
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-67.7%
Final Value$10.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-71.4%
Final Value$9.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-73.8%
Final Value$8.8K
Worst possible — still beats not investing
Best vs Worst gap6.1 pp
Your timing vs best-3.7%
Your timing vs worst+2.4%
If You Keep Investing…
Based on this stock's historical CAGR of -27.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x 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~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -27.3% continues. Actual returns will vary.
Your DCA Results by Date
48 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jun 1, 2022
$16.99
$10,000
$10,000
+0.00%
$0
Jul 1, 2022
$29.80
$10,500
$18,040
+71.81%
$7,540
Aug 1, 2022
$9.99
$11,000
$6,548
-40.48%
$-4,452
Sep 1, 2022
$9.50
$11,500
$6,726
-41.51%
$-4,774
Oct 3, 2022
$12.41
$12,000
$9,287
-22.61%
$-2,713
Nov 1, 2022
$4.96
$12,500
$4,212
-66.31%
$-8,288
Dec 1, 2022
$4.73
$13,000
$4,516
-65.26%
$-8,484
Jan 3, 2023
$5.11
$13,500
$5,379
-60.15%
$-8,121
Feb 1, 2023
$4.61
$14,000
$5,353
-61.76%
$-8,647
Mar 1, 2023
$4.55
$14,500
$5,783
-60.12%
$-8,717
Apr 3, 2023
$6.08
$15,000
$8,228
-45.15%
$-6,772
May 1, 2023
$51.52
$15,500
$70,221
+353.04%
$54,721
Jun 1, 2023
$8.48
$16,000
$12,058
-24.64%
$-3,942
Jul 3, 2023
$8.06
$16,500
$11,961
-27.51%
$-4,539
Aug 1, 2023
$7.07
$17,000
$10,992
-35.34%
$-6,008
Sep 1, 2023
$5.69
$17,500
$9,346
-46.59%
$-8,154
Oct 2, 2023
$5.07
$18,000
$8,828
-50.96%
$-9,172
Nov 1, 2023
$4.69
$18,500
$8,666
-53.16%
$-9,834
Dec 1, 2023
$4.59
$19,000
$8,981
-52.73%
$-10,019
Jan 2, 2024
$3.77
$19,500
$7,877
-59.61%
$-11,623
Feb 1, 2024
$2.94
$20,000
$6,643
-66.79%
$-13,357
Mar 1, 2024
$2.70
$20,500
$6,600
-67.80%
$-13,900
Apr 1, 2024
$2.80
$21,000
$7,345
-65.02%
$-13,655
May 1, 2024
$2.57
$21,500
$7,242
-66.32%
$-14,258
Jun 3, 2024
$2.59
$22,000
$7,798
-64.55%
$-14,202
Page 1 of 2
Frequently Asked Questions
Common questions about DCA investing in TOP
Investing $500 per month in TOP Financial Group Limited (TOP) over the past 4 years would be worth approximately $10K today. That's -71.4% total return on $34K invested, with a -27.3% compound annual growth rate (CAGR).