Dollar cost averaging (DCA) in XLI 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 XLI Analysis
XLI DCA Calculator
Dollar Cost Averaging — Industrial 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+80.8%
Final Value$87.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+75.5%
Final Value$85.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+70.0%
Final Value$82.5K
Worst possible — still beats not investing
Best vs Worst gap10.8 pp
Your timing vs best-5.3%
Your timing vs worst+5.5%
If You Keep Investing…
Based on this stock's historical CAGR of 9.1%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.1x your moneyfrom $18K invested
5 Years$37K~1.2x your moneyfrom $30K invested
10 Years$95K~1.6x your moneyfrom $60K invested
20 Years$324K~2.7x 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~1.2x your money
10 Years~1.6x your money
20 Years~2.7x your money
$100/mo
$4K+$501 est. gain
$7K+$1K est. gain
$19K+$7K est. gain
$65K+$41K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$48K+$18K est. gain
$162K+$102K est. gain
$500/mo
$21K+$3K est. gain
$37K+$7K est. gain
$95K+$35K est. gain
$324K+$204K est. gain
$1,000/mo
$41K+$5K est. gain
$75K+$15K est. gain
$191K+$71K est. gain
$648K+$408K est. gain
* Projection assumes historical CAGR of 9.1% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$83.01
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$81.08
$10,500
$10,267
-2.21%
$-233
Mar 2, 2020
$75.65
$11,000
$10,080
-8.36%
$-920
Apr 1, 2020
$56.35
$11,500
$8,008
-30.36%
$-3,492
May 1, 2020
$62.27
$12,000
$9,350
-22.09%
$-2,650
Jun 1, 2020
$67.82
$12,500
$10,683
-14.54%
$-1,817
Jul 1, 2020
$68.39
$13,000
$11,273
-13.29%
$-1,727
Aug 3, 2020
$72.03
$13,500
$12,373
-8.35%
$-1,127
Sep 1, 2020
$78.60
$14,000
$14,001
+0.01%
$1
Oct 1, 2020
$76.75
$14,500
$14,172
-2.26%
$-328
Nov 2, 2020
$77.92
$15,000
$14,888
-0.75%
$-112
Dec 2, 2020
$87.93
$15,500
$17,300
+11.61%
$1,800
Jan 4, 2021
$86.41
$16,000
$17,501
+9.38%
$1,501
Feb 2, 2021
$87.47
$16,500
$18,216
+10.40%
$1,716
Mar 2, 2021
$92.66
$17,000
$19,797
+16.45%
$2,797
Apr 1, 2021
$98.78
$17,500
$21,604
+23.45%
$4,104
May 3, 2021
$102.98
$18,000
$23,023
+27.90%
$5,023
Jun 1, 2021
$105.53
$18,500
$24,093
+30.23%
$5,593
Jul 1, 2021
$103.13
$19,000
$24,045
+26.55%
$5,045
Aug 2, 2021
$102.65
$19,500
$24,433
+25.30%
$4,933
Sep 1, 2021
$104.11
$20,000
$25,281
+26.40%
$5,281
Oct 1, 2021
$99.18
$20,500
$24,583
+19.92%
$4,083
Nov 2, 2021
$105.13
$21,000
$26,558
+26.47%
$5,558
Dec 2, 2021
$102.32
$21,500
$26,348
+22.55%
$4,848
Jan 3, 2022
$104.94
$22,000
$27,523
+25.10%
$5,523
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Frequently Asked Questions
Common questions about DCA investing in XLI
Investing $500 per month in Industrial Select Sector SPDR Fund (XLI) over the past 6 years would be worth approximately $85K today. That's +75.5% total return on $49K invested, with a +9.1% compound annual growth rate (CAGR).