Dollar cost averaging (DCA) in XLE 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 XLE Analysis
XLE DCA Calculator
Dollar Cost Averaging — Energy 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+51.9%
Final Value$73.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+43.6%
Final Value$69.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+35.9%
Final Value$65.9K
Worst possible — still beats not investing
Best vs Worst gap15.9 pp
Your timing vs best-8.3%
Your timing vs worst+7.7%
If You Keep Investing…
Based on this stock's historical CAGR of 5.8%/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$35K~1.2x your moneyfrom $30K invested
10 Years$80K~1.3x your moneyfrom $60K invested
20 Years$221K~1.8x 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~1.3x your money
20 Years~1.8x your money
$100/mo
$4K+$312 est. gain
$7K+$912 est. gain
$16K+$4K est. gain
$44K+$20K est. gain
$250/mo
$10K+$780 est. gain
$17K+$2K est. gain
$40K+$10K est. gain
$111K+$51K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$80K+$20K est. gain
$221K+$101K est. gain
$1,000/mo
$39K+$3K est. gain
$69K+$9K est. gain
$161K+$41K est. gain
$442K+$202K est. gain
* Projection assumes historical CAGR of 5.8% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$60.58
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$52.74
$10,500
$9,206
-12.33%
$-1,294
Mar 2, 2020
$47.10
$11,000
$8,721
-20.71%
$-2,279
Apr 1, 2020
$27.62
$11,500
$5,614
-51.18%
$-5,886
May 1, 2020
$35.85
$12,000
$7,787
-35.11%
$-4,213
Jun 1, 2020
$39.44
$12,500
$9,067
-27.46%
$-3,433
Jul 1, 2020
$36.93
$13,000
$8,990
-30.85%
$-4,010
Aug 3, 2020
$36.16
$13,500
$9,303
-31.09%
$-4,197
Sep 1, 2020
$35.41
$14,000
$9,610
-31.36%
$-4,390
Oct 1, 2020
$29.03
$14,500
$8,378
-42.22%
$-6,122
Nov 2, 2020
$29.70
$15,000
$9,072
-39.52%
$-5,928
Dec 2, 2020
$38.13
$15,500
$12,146
-21.64%
$-3,354
Jan 4, 2021
$37.96
$16,000
$12,592
-21.30%
$-3,408
Feb 2, 2021
$40.03
$16,500
$13,779
-16.49%
$-2,721
Mar 2, 2021
$49.13
$17,000
$17,411
+2.42%
$411
Apr 1, 2021
$50.31
$17,500
$18,329
+4.74%
$829
May 3, 2021
$21.09
$18,000
$8,184
-54.53%
$-9,816
Jun 1, 2021
$22.53
$18,500
$9,244
-50.03%
$-9,256
Jul 1, 2021
$23.01
$19,000
$9,940
-47.69%
$-9,060
Aug 2, 2021
$20.58
$19,500
$9,390
-51.85%
$-10,110
Sep 1, 2021
$20.02
$20,000
$9,635
-51.83%
$-10,365
Oct 1, 2021
$22.88
$20,500
$11,510
-43.86%
$-8,990
Nov 2, 2021
$24.61
$21,000
$12,880
-38.67%
$-8,120
Dec 2, 2021
$23.62
$21,500
$12,861
-40.18%
$-8,639
Jan 3, 2022
$24.63
$22,000
$13,912
-36.76%
$-8,088
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Frequently Asked Questions
Common questions about DCA investing in XLE
Investing $500 per month in Energy Select Sector SPDR Fund (XLE) over the past 6 years would be worth approximately $70K today. That's +43.6% total return on $49K invested, with a +5.8% compound annual growth rate (CAGR).