Dollar cost averaging (DCA) in XLP 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 XLP Analysis
XLP DCA Calculator
Dollar Cost Averaging — Consumer Staples 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+27.4%
Final Value$52.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+25.3%
Final Value$51.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+23.0%
Final Value$50.4K
Worst possible — still beats not investing
Best vs Worst gap4.4 pp
Your timing vs best-2.1%
Your timing vs worst+2.2%
If You Keep Investing…
Based on this stock's historical CAGR of 4.5%/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$33K~1.1x your moneyfrom $30K invested
10 Years$75K~1.3x your moneyfrom $60K invested
20 Years$191K~1.6x 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~1.6x your money
$100/mo
$4K+$239 est. gain
$7K+$691 est. gain
$15K+$3K est. gain
$38K+$14K est. gain
$250/mo
$10K+$597 est. gain
$17K+$2K est. gain
$38K+$8K est. gain
$96K+$36K est. gain
$500/mo
$19K+$1K est. gain
$33K+$3K est. gain
$75K+$15K est. gain
$191K+$71K est. gain
$1,000/mo
$38K+$2K est. gain
$67K+$7K est. gain
$150K+$30K est. gain
$382K+$142K est. gain
* Projection assumes historical CAGR of 4.5% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 8, 2021
$60.53
$10,000
$10,000
+0.00%
$0
May 10, 2021
$62.40
$10,500
$10,810
+2.95%
$310
Jun 8, 2021
$62.07
$11,000
$11,252
+2.29%
$252
Jul 8, 2021
$61.55
$11,500
$11,657
+1.37%
$157
Aug 9, 2021
$62.83
$12,000
$12,400
+3.33%
$400
Sep 8, 2021
$64.07
$12,500
$13,145
+5.16%
$645
Oct 8, 2021
$62.20
$13,000
$13,261
+2.01%
$261
Nov 8, 2021
$64.30
$13,500
$14,210
+5.26%
$710
Dec 8, 2021
$64.60
$14,000
$14,776
+5.54%
$776
Jan 10, 2022
$68.67
$14,500
$16,206
+11.76%
$1,706
Feb 8, 2022
$68.23
$15,000
$16,602
+10.68%
$1,602
Mar 8, 2022
$64.79
$15,500
$16,267
+4.95%
$767
Apr 8, 2022
$70.69
$16,000
$18,248
+14.05%
$2,248
May 9, 2022
$68.87
$16,500
$18,277
+10.77%
$1,777
Jun 8, 2022
$65.85
$17,000
$17,976
+5.74%
$976
Jul 8, 2022
$65.96
$17,500
$18,505
+5.74%
$1,005
Aug 8, 2022
$67.50
$18,000
$19,437
+7.98%
$1,437
Sep 8, 2022
$66.28
$18,500
$19,587
+5.88%
$1,087
Oct 10, 2022
$60.78
$19,000
$18,460
-2.84%
$-540
Nov 8, 2022
$66.20
$19,500
$20,609
+5.69%
$1,109
Dec 8, 2022
$69.65
$20,000
$22,180
+10.90%
$2,180
Jan 9, 2023
$68.83
$20,500
$22,419
+9.36%
$1,919
Feb 8, 2023
$66.61
$21,000
$22,196
+5.69%
$1,196
Mar 8, 2023
$66.16
$21,500
$22,546
+4.87%
$1,046
Apr 10, 2023
$69.45
$22,000
$24,169
+9.86%
$2,169
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Frequently Asked Questions
Common questions about DCA investing in XLP
Investing $500 per month in Consumer Staples Select Sector SPDR Fund (XLP) over the past 5 years would be worth approximately $51K today. That's +25.3% total return on $41K invested, with a +4.5% compound annual growth rate (CAGR).