Dollar cost averaging (DCA) in XLK 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 XLK Analysis
XLK DCA Calculator
Dollar Cost Averaging — Technology 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+106.0%
Final Value$99.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+97.2%
Final Value$95.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+89.4%
Final Value$91.9K
Worst possible — still beats not investing
Best vs Worst gap16.5 pp
Your timing vs best-8.8%
Your timing vs worst+7.8%
If You Keep Investing…
Based on this stock's historical CAGR of 11.1%/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$39K~1.3x your moneyfrom $30K invested
10 Years$106K~1.8x your moneyfrom $60K invested
20 Years$410K~3.4x 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~1.8x your money
20 Years~3.4x your money
$100/mo
$4K+$616 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$82K+$58K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$53K+$23K est. gain
$205K+$145K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$106K+$46K est. gain
$410K+$290K est. gain
$1,000/mo
$42K+$6K est. gain
$79K+$19K est. gain
$212K+$92K est. gain
$820K+$580K est. gain
* Projection assumes historical CAGR of 11.1% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$93.39
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$96.59
$10,500
$10,843
+3.26%
$343
Mar 2, 2020
$93.48
$11,000
$10,994
-0.06%
$-6
Apr 1, 2020
$76.54
$11,500
$9,501
-17.38%
$-1,999
May 1, 2020
$88.90
$12,000
$11,536
-3.87%
$-464
Jun 1, 2020
$97.94
$12,500
$13,209
+5.67%
$709
Jul 1, 2020
$104.66
$13,000
$14,615
+12.42%
$1,615
Aug 3, 2020
$113.15
$13,500
$16,301
+20.74%
$2,801
Sep 1, 2020
$125.91
$14,000
$18,639
+33.13%
$4,639
Oct 1, 2020
$117.93
$14,500
$17,957
+23.84%
$3,457
Nov 2, 2020
$111.14
$15,000
$17,424
+16.16%
$2,424
Dec 2, 2020
$124.87
$15,500
$20,076
+29.52%
$4,576
Jan 4, 2021
$127.90
$16,000
$21,063
+31.64%
$5,063
Feb 2, 2021
$133.95
$16,500
$22,559
+36.72%
$6,059
Mar 2, 2021
$132.76
$17,000
$22,859
+34.47%
$5,859
Apr 1, 2021
$135.48
$17,500
$23,827
+36.16%
$6,327
May 3, 2021
$67.05
$18,000
$12,292
-31.71%
$-5,708
Jun 1, 2021
$66.28
$18,500
$12,651
-31.61%
$-5,849
Jul 1, 2021
$71.32
$19,000
$14,112
-25.72%
$-4,888
Aug 2, 2021
$73.70
$19,500
$15,084
-22.65%
$-4,416
Sep 1, 2021
$76.61
$20,000
$16,181
-19.10%
$-3,819
Oct 1, 2021
$73.21
$20,500
$15,961
-22.14%
$-4,539
Nov 2, 2021
$78.59
$21,000
$17,635
-16.03%
$-3,365
Dec 2, 2021
$81.12
$21,500
$18,701
-13.02%
$-2,799
Jan 3, 2022
$84.94
$22,000
$20,082
-8.72%
$-1,918
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Frequently Asked Questions
Common questions about DCA investing in XLK
Investing $500 per month in Technology Select Sector SPDR Fund (XLK) over the past 6 years would be worth approximately $96K today. That's +97.2% total return on $49K invested, with a +11.1% compound annual growth rate (CAGR).