Dollar cost averaging (DCA) in XLC 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 XLC Analysis
XLC DCA Calculator
Dollar Cost Averaging — Communication Services 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+56.0%
Final Value$64.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+51.6%
Final Value$62.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+47.0%
Final Value$60.3K
Worst possible — still beats not investing
Best vs Worst gap9.0 pp
Your timing vs best-4.4%
Your timing vs worst+4.5%
If You Keep Investing…
Based on this stock's historical CAGR of 8.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$37K~1.2x your moneyfrom $30K invested
10 Years$92K~1.5x your moneyfrom $60K invested
20 Years$297K~2.5x 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~1.2x your money
10 Years~1.5x your money
20 Years~2.5x your money
$100/mo
$4K+$457 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$59K+$35K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$46K+$16K est. gain
$148K+$88K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$92K+$32K est. gain
$297K+$177K est. gain
$1,000/mo
$41K+$5K est. gain
$74K+$14K est. gain
$184K+$64K est. gain
$594K+$354K est. gain
* Projection assumes historical CAGR of 8.4% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 8, 2021
$73.14
$10,000
$10,000
+0.00%
$0
May 10, 2021
$72.99
$10,500
$10,479
-0.20%
$-21
Jun 8, 2021
$75.45
$11,000
$11,333
+3.02%
$333
Jul 8, 2021
$77.06
$11,500
$12,075
+5.00%
$575
Aug 9, 2021
$78.73
$12,000
$12,836
+6.97%
$836
Sep 8, 2021
$81.17
$12,500
$13,733
+9.87%
$1,233
Oct 8, 2021
$77.25
$13,000
$13,571
+4.39%
$571
Nov 8, 2021
$77.60
$13,500
$14,131
+4.68%
$631
Dec 8, 2021
$73.71
$14,000
$13,924
-0.54%
$-76
Jan 10, 2022
$72.61
$14,500
$14,216
-1.96%
$-284
Feb 8, 2022
$66.82
$15,000
$13,582
-9.45%
$-1,418
Mar 8, 2022
$61.29
$15,500
$12,959
-16.39%
$-2,541
Apr 8, 2022
$65.24
$16,000
$14,294
-10.66%
$-1,706
May 9, 2022
$55.42
$16,500
$12,642
-23.38%
$-3,858
Jun 8, 2022
$57.68
$17,000
$13,658
-19.66%
$-3,342
Jul 8, 2022
$54.48
$17,500
$13,400
-23.43%
$-4,100
Aug 8, 2022
$55.16
$18,000
$14,067
-21.85%
$-3,933
Sep 8, 2022
$51.98
$18,500
$13,756
-25.64%
$-4,744
Oct 10, 2022
$46.79
$19,000
$12,882
-32.20%
$-6,118
Nov 8, 2022
$44.85
$19,500
$12,849
-34.11%
$-6,651
Dec 8, 2022
$47.46
$20,000
$14,096
-29.52%
$-5,904
Jan 9, 2023
$48.72
$20,500
$14,969
-26.98%
$-5,531
Feb 8, 2023
$54.75
$21,000
$17,323
-17.51%
$-3,677
Mar 8, 2023
$52.34
$21,500
$17,059
-20.65%
$-4,441
Apr 10, 2023
$56.90
$22,000
$19,047
-13.42%
$-2,953
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Frequently Asked Questions
Common questions about DCA investing in XLC
Investing $500 per month in Communication Services Select Sector SPDR Fund (XLC) over the past 5 years would be worth approximately $62K today. That's +51.6% total return on $41K invested, with a +8.4% compound annual growth rate (CAGR).