Dollar cost averaging (DCA) in WTFC 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 WTFC Analysis
WTFC DCA Calculator
Dollar Cost Averaging — Wintrust Financial Corporation
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+119.1%
Final Value$105.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+106.1%
Final Value$98.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+93.9%
Final Value$93.1K
Worst possible — still beats not investing
Best vs Worst gap25.2 pp
Your timing vs best-13.1%
Your timing vs worst+12.1%
If You Keep Investing…
Based on this stock's historical CAGR of 12.1%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$40K~1.3x your moneyfrom $30K invested
10 Years$111K~1.9x your moneyfrom $60K invested
20 Years$460K~3.8x 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~1.3x your money
10 Years~1.9x your money
20 Years~3.8x your money
$100/mo
$4K+$672 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$92K+$68K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$56K+$26K est. gain
$230K+$170K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$111K+$51K est. gain
$460K+$340K est. gain
$1,000/mo
$43K+$7K est. gain
$81K+$21K est. gain
$223K+$103K est. gain
$920K+$680K est. gain
* Projection assumes historical CAGR of 12.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$71.07
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$64.53
$10,500
$9,580
-8.76%
$-920
Mar 2, 2020
$55.79
$11,000
$8,817
-19.84%
$-2,183
Apr 2, 2020
$31.74
$11,500
$5,516
-52.03%
$-5,984
May 4, 2020
$39.11
$12,000
$7,297
-39.19%
$-4,703
Jun 2, 2020
$42.42
$12,500
$8,477
-32.18%
$-4,023
Jul 2, 2020
$41.98
$13,000
$8,889
-31.62%
$-4,111
Aug 3, 2020
$42.46
$13,500
$9,491
-29.70%
$-4,009
Sep 2, 2020
$43.93
$14,000
$10,383
-25.83%
$-3,617
Oct 2, 2020
$42.84
$14,500
$10,626
-26.72%
$-3,874
Nov 2, 2020
$50.23
$15,000
$12,959
-13.61%
$-2,041
Dec 2, 2020
$57.65
$15,500
$15,450
-0.32%
$-50
Jan 4, 2021
$60.93
$16,000
$16,829
+5.18%
$829
Feb 2, 2021
$63.03
$16,500
$17,910
+8.54%
$1,410
Mar 2, 2021
$75.59
$17,000
$22,076
+29.86%
$5,076
Apr 5, 2021
$75.70
$17,500
$22,608
+29.19%
$5,108
May 3, 2021
$77.40
$18,000
$23,616
+31.20%
$5,616
Jun 2, 2021
$80.86
$18,500
$25,269
+36.59%
$6,769
Jul 2, 2021
$74.87
$19,000
$23,897
+25.77%
$4,897
Aug 2, 2021
$70.68
$19,500
$23,060
+18.26%
$3,560
Sep 2, 2021
$72.80
$20,000
$24,356
+21.78%
$4,356
Oct 4, 2021
$82.40
$20,500
$28,068
+36.92%
$7,568
Nov 2, 2021
$91.68
$21,000
$31,729
+51.09%
$10,729
Dec 2, 2021
$89.82
$21,500
$31,690
+47.39%
$10,190
Jan 3, 2022
$92.92
$22,000
$33,284
+51.29%
$11,284
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Frequently Asked Questions
Common questions about DCA investing in WTFC
Investing $500 per month in Wintrust Financial Corporation (WTFC) over the past 6 years would be worth approximately $99K today. That's +106.1% total return on $48K invested, with a +12.1% compound annual growth rate (CAGR). This includes $4K from reinvested dividends.