Dollar cost averaging (DCA) in XLRE 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 XLRE Analysis
XLRE DCA Calculator
Dollar Cost Averaging — Real Estate 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+25.2%
Final Value$51.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+22.0%
Final Value$50.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+18.9%
Final Value$48.8K
Worst possible — still beats not investing
Best vs Worst gap6.3 pp
Your timing vs best-3.2%
Your timing vs worst+3.1%
If You Keep Investing…
Based on this stock's historical CAGR of 3.9%/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$73K~1.2x your moneyfrom $60K invested
20 Years$180K~1.5x 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~1.1x your money
10 Years~1.2x your money
20 Years~1.5x your money
$100/mo
$4K+$210 est. gain
$7K+$605 est. gain
$15K+$3K est. gain
$36K+$12K est. gain
$250/mo
$10K+$525 est. gain
$17K+$2K est. gain
$37K+$7K est. gain
$90K+$30K est. gain
$500/mo
$19K+$1K est. gain
$33K+$3K est. gain
$73K+$13K est. gain
$180K+$60K est. gain
$1,000/mo
$38K+$2K est. gain
$66K+$6K est. gain
$146K+$26K est. gain
$361K+$121K est. gain
* Projection assumes historical CAGR of 3.9% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 8, 2021
$34.15
$10,000
$10,000
+0.00%
$0
May 10, 2021
$36.09
$10,500
$11,066
+5.39%
$566
Jun 8, 2021
$38.34
$11,000
$12,258
+11.43%
$1,258
Jul 8, 2021
$38.67
$11,500
$12,862
+11.84%
$1,362
Aug 9, 2021
$39.70
$12,000
$13,705
+14.21%
$1,705
Sep 8, 2021
$41.37
$12,500
$14,782
+18.26%
$2,282
Oct 8, 2021
$38.29
$13,000
$14,182
+9.09%
$1,182
Nov 8, 2021
$41.37
$13,500
$15,823
+17.21%
$2,323
Dec 8, 2021
$42.54
$14,000
$16,769
+19.78%
$2,769
Jan 10, 2022
$42.39
$14,500
$17,211
+18.70%
$2,711
Feb 8, 2022
$40.06
$15,000
$16,763
+11.75%
$1,763
Mar 8, 2022
$39.30
$15,500
$16,947
+9.34%
$1,447
Apr 8, 2022
$43.24
$16,000
$19,144
+19.65%
$3,144
May 9, 2022
$37.21
$16,500
$16,973
+2.86%
$473
Jun 8, 2022
$37.57
$17,000
$17,639
+3.76%
$639
Jul 8, 2022
$36.18
$17,500
$17,486
-0.08%
$-14
Aug 8, 2022
$38.65
$18,000
$19,178
+6.54%
$1,178
Sep 8, 2022
$37.41
$18,500
$19,064
+3.05%
$564
Oct 10, 2022
$30.23
$19,000
$15,906
-16.28%
$-3,094
Nov 8, 2022
$32.23
$19,500
$17,459
-10.47%
$-2,041
Dec 8, 2022
$33.99
$20,000
$18,909
-5.46%
$-1,091
Jan 9, 2023
$33.91
$20,500
$19,365
-5.54%
$-1,135
Feb 8, 2023
$36.21
$21,000
$21,179
+0.85%
$179
Mar 8, 2023
$34.17
$21,500
$20,490
-4.70%
$-1,010
Apr 10, 2023
$33.63
$22,000
$20,665
-6.07%
$-1,335
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Frequently Asked Questions
Common questions about DCA investing in XLRE
Investing $500 per month in Real Estate Select Sector SPDR Fund (XLRE) over the past 5 years would be worth approximately $50K today. That's +22.0% total return on $41K invested, with a +3.9% compound annual growth rate (CAGR).