Dollar cost averaging (DCA) in XLV 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 XLV Analysis
XLV DCA Calculator
Dollar Cost Averaging — Health Care 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+28.6%
Final Value$62.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+25.6%
Final Value$60.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+22.7%
Final Value$59.5K
Worst possible — still beats not investing
Best vs Worst gap5.9 pp
Your timing vs best-3.0%
Your timing vs worst+2.9%
If You Keep Investing…
Based on this stock's historical CAGR of 3.6%/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$72K~1.2x your moneyfrom $60K invested
20 Years$174K~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+$193 est. gain
$7K+$555 est. gain
$14K+$2K est. gain
$35K+$11K est. gain
$250/mo
$9K+$482 est. gain
$16K+$1K est. gain
$36K+$6K est. gain
$87K+$27K est. gain
$500/mo
$19K+$963 est. gain
$33K+$3K est. gain
$72K+$12K est. gain
$174K+$54K est. gain
$1,000/mo
$38K+$2K est. gain
$66K+$6K est. gain
$144K+$24K est. gain
$349K+$109K est. gain
* Projection assumes historical CAGR of 3.6% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$102.13
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$100.04
$10,500
$10,295
-1.95%
$-205
Mar 2, 2020
$96.95
$11,000
$10,477
-4.75%
$-523
Apr 1, 2020
$85.21
$11,500
$9,709
-15.58%
$-1,791
May 1, 2020
$97.83
$12,000
$11,647
-2.95%
$-353
Jun 1, 2020
$101.99
$12,500
$12,642
+1.13%
$142
Jul 1, 2020
$100.84
$13,000
$12,999
-0.01%
$-1
Aug 3, 2020
$106.62
$13,500
$14,244
+5.51%
$744
Sep 1, 2020
$107.29
$14,000
$14,834
+5.96%
$834
Oct 1, 2020
$105.12
$14,500
$15,034
+3.68%
$534
Nov 2, 2020
$103.49
$15,000
$15,301
+2.00%
$301
Dec 2, 2020
$111.49
$15,500
$16,983
+9.57%
$1,483
Jan 4, 2021
$112.95
$16,000
$17,706
+10.66%
$1,706
Feb 2, 2021
$115.80
$16,500
$18,653
+13.05%
$2,153
Mar 2, 2021
$113.75
$17,000
$18,822
+10.72%
$1,822
Apr 1, 2021
$116.39
$17,500
$19,759
+12.91%
$2,259
May 3, 2021
$122.71
$18,000
$21,332
+18.51%
$3,332
Jun 1, 2021
$121.57
$18,500
$21,634
+16.94%
$3,134
Jul 1, 2021
$127.07
$19,000
$23,113
+21.65%
$4,113
Aug 2, 2021
$132.33
$19,500
$24,570
+26.00%
$5,070
Sep 1, 2021
$135.25
$20,000
$25,612
+28.06%
$5,612
Oct 1, 2021
$127.33
$20,500
$24,612
+20.06%
$4,112
Nov 2, 2021
$134.50
$21,000
$26,498
+26.18%
$5,498
Dec 2, 2021
$130.13
$21,500
$26,137
+21.57%
$4,637
Jan 3, 2022
$139.44
$22,000
$28,507
+29.58%
$6,507
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Frequently Asked Questions
Common questions about DCA investing in XLV
Investing $500 per month in Health Care Select Sector SPDR Fund (XLV) over the past 6 years would be worth approximately $61K today. That's +25.6% total return on $49K invested, with a +3.6% compound annual growth rate (CAGR).