Dollar cost averaging (DCA) in XLB 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 XLB Analysis
XLB DCA Calculator
Dollar Cost Averaging — Materials Select Sector SPDR Fund
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+33.5%
Final Value$54.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+30.0%
Final Value$53.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+26.5%
Final Value$51.9K
Worst possible — still beats not investing
Best vs Worst gap7.0 pp
Your timing vs best-3.5%
Your timing vs worst+3.5%
If You Keep Investing…
Based on this stock's historical CAGR of 5.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.1x your moneyfrom $18K invested
5 Years$34K~1.1x your moneyfrom $30K invested
10 Years$78K~1.3x your moneyfrom $60K invested
20 Years$207K~1.7x 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~1.1x your money
10 Years~1.3x your money
20 Years~1.7x your money
$100/mo
$4K+$280 est. gain
$7K+$814 est. gain
$16K+$4K est. gain
$41K+$17K est. gain
$250/mo
$10K+$700 est. gain
$17K+$2K est. gain
$39K+$9K est. gain
$104K+$44K est. gain
$500/mo
$19K+$1K est. gain
$34K+$4K est. gain
$78K+$18K est. gain
$207K+$87K est. gain
$1,000/mo
$39K+$3K est. gain
$68K+$8K est. gain
$156K+$36K est. gain
$415K+$175K est. gain
* Projection assumes historical CAGR of 5.2% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 8, 2021
$35.92
$10,000
$10,000
+0.00%
$0
May 10, 2021
$39.59
$10,500
$11,523
+9.74%
$1,023
Jun 8, 2021
$39.37
$11,000
$11,960
+8.73%
$960
Jul 8, 2021
$36.99
$11,500
$11,736
+2.05%
$236
Aug 9, 2021
$38.20
$12,000
$12,620
+5.16%
$620
Sep 8, 2021
$38.18
$12,500
$13,114
+4.91%
$614
Oct 8, 2021
$37.06
$13,000
$13,229
+1.76%
$229
Nov 8, 2021
$40.59
$13,500
$14,990
+11.04%
$1,490
Dec 8, 2021
$40.29
$14,000
$15,377
+9.84%
$1,377
Jan 10, 2022
$40.56
$14,500
$15,979
+10.20%
$1,479
Feb 8, 2022
$38.54
$15,000
$15,684
+4.56%
$684
Mar 8, 2022
$36.60
$15,500
$15,396
-0.67%
$-104
Apr 8, 2022
$40.75
$16,000
$17,641
+10.26%
$1,641
May 9, 2022
$37.70
$16,500
$16,821
+1.95%
$321
Jun 8, 2022
$39.74
$17,000
$18,232
+7.25%
$1,232
Jul 8, 2022
$33.86
$17,500
$16,035
-8.37%
$-1,465
Aug 8, 2022
$35.96
$18,000
$17,527
-2.63%
$-473
Sep 8, 2022
$35.67
$18,500
$17,885
-3.32%
$-615
Oct 10, 2022
$32.46
$19,000
$16,779
-11.69%
$-2,221
Nov 8, 2022
$36.06
$19,500
$19,137
-1.86%
$-363
Dec 8, 2022
$38.15
$20,000
$20,744
+3.72%
$744
Jan 9, 2023
$37.97
$20,500
$21,146
+3.15%
$646
Feb 8, 2023
$38.93
$21,000
$22,182
+5.63%
$1,182
Mar 8, 2023
$38.49
$21,500
$22,430
+4.33%
$930
Apr 10, 2023
$37.72
$22,000
$22,484
+2.20%
$484
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Frequently Asked Questions
Common questions about DCA investing in XLB
Investing $500 per month in Materials Select Sector SPDR Fund (XLB) over the past 5 years would be worth approximately $53K today. That's +30.0% total return on $41K invested, with a +5.2% compound annual growth rate (CAGR).