Dollar cost averaging (DCA) in UBS 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+206.7%
Final Value$147.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+194.3%
Final Value$141.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+181.0%
Final Value$134.9K
Worst possible — still beats not investing
Best vs Worst gap25.7 pp
Your timing vs best-12.4%
Your timing vs worst+13.3%
If You Keep Investing…
Based on this stock's historical CAGR of 18.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$23K~1.3x your moneyfrom $18K invested
5 Years$47K~1.6x your moneyfrom $30K invested
10 Years$157K~2.6x your moneyfrom $60K invested
20 Years$1.0M~8.5x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.6x your money
10 Years~2.6x your money
20 Years~8.5x your money
$100/mo
$5K+$1K est. gain
$9K+$3K est. gain
$31K+$19K est. gain
$204K+$180K est. gain
$250/mo
$12K+$3K est. gain
$23K+$8K est. gain
$78K+$48K est. gain
$509K+$449K est. gain
$500/mo
$23K+$5K est. gain
$47K+$17K est. gain
$157K+$97K est. gain
$1.0M+$898K est. gain
$1,000/mo
$47K+$11K est. gain
$94K+$34K est. gain
$314K+$194K est. gain
$2.0M+$1.8M est. gain
* Projection assumes historical CAGR of 18.6% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.92
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$12.33
$10,500
$10,043
-4.35%
$-457
Mar 2, 2020
$11.26
$11,000
$9,672
-12.07%
$-1,328
Apr 2, 2020
$9.00
$11,500
$8,231
-28.43%
$-3,269
May 4, 2020
$10.16
$12,000
$9,791
-18.41%
$-2,209
Jun 2, 2020
$11.12
$12,500
$11,621
-7.03%
$-879
Jul 2, 2020
$11.65
$13,000
$12,675
-2.50%
$-325
Aug 3, 2020
$11.84
$13,500
$13,382
-0.87%
$-118
Sep 2, 2020
$12.43
$14,000
$14,549
+3.92%
$549
Oct 2, 2020
$11.34
$14,500
$13,773
-5.01%
$-727
Nov 2, 2020
$11.94
$15,000
$15,002
+0.01%
$2
Dec 2, 2020
$14.54
$15,500
$19,221
+24.01%
$3,721
Jan 4, 2021
$14.29
$16,000
$19,391
+21.19%
$3,391
Feb 2, 2021
$14.84
$16,500
$20,637
+25.07%
$4,137
Mar 2, 2021
$15.98
$17,000
$22,722
+33.66%
$5,722
Apr 5, 2021
$16.01
$17,500
$23,265
+32.94%
$5,765
May 3, 2021
$15.36
$18,000
$23,348
+29.71%
$5,348
Jun 2, 2021
$16.43
$18,500
$25,475
+37.70%
$6,975
Jul 2, 2021
$15.41
$19,000
$24,393
+28.39%
$5,393
Aug 2, 2021
$16.54
$19,500
$26,682
+36.83%
$7,182
Sep 2, 2021
$16.74
$20,000
$27,505
+37.52%
$7,505
Oct 4, 2021
$15.96
$20,500
$26,723
+30.36%
$6,223
Nov 2, 2021
$18.57
$21,000
$31,593
+50.44%
$10,593
Dec 2, 2021
$17.73
$21,500
$30,664
+42.62%
$9,164
Jan 3, 2022
$18.12
$22,000
$31,839
+44.72%
$9,839
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Frequently Asked Questions
Common questions about DCA investing in UBS
Investing $500 per month in UBS Group AG (UBS) over the past 6 years would be worth approximately $141K today. That's +194.3% total return on $48K invested, with a +18.6% compound annual growth rate (CAGR). This includes $11K from reinvested dividends.