Dollar cost averaging (DCA) in ZCMD 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.
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-81.4%
Final Value$8.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-83.9%
Final Value$7.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-89.8%
Final Value$4.9K
Worst possible — still beats not investing
Best vs Worst gap8.4 pp
Your timing vs best-2.5%
Your timing vs worst+5.9%
If You Keep Investing…
Based on this stock's historical CAGR of -25.5%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -25.5% continues. Actual returns will vary.
Your DCA Results by Date
75 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Feb 24, 2020
$320.00
$10,000
$10,000
+0.00%
$0
Mar 24, 2020
$177.60
$10,500
$6,050
-42.38%
$-4,450
Apr 24, 2020
$193.60
$11,000
$7,095
-35.50%
$-3,905
May 26, 2020
$146.40
$11,500
$5,865
-49.00%
$-5,635
Jun 24, 2020
$176.00
$12,000
$7,551
-37.07%
$-4,449
Jul 24, 2020
$200.00
$12,500
$9,081
-27.35%
$-3,419
Aug 24, 2020
$174.40
$13,000
$8,418
-35.24%
$-4,582
Sep 24, 2020
$141.60
$13,500
$7,335
-45.67%
$-6,165
Oct 26, 2020
$155.20
$14,000
$8,540
-39.00%
$-5,460
Nov 24, 2020
$145.60
$14,500
$8,511
-41.30%
$-5,989
Dec 24, 2020
$140.80
$15,000
$8,731
-41.79%
$-6,269
Jan 25, 2021
$154.00
$15,500
$10,049
-35.17%
$-5,451
Feb 24, 2021
$167.20
$16,000
$11,411
-28.68%
$-4,589
Mar 24, 2021
$157.60
$16,500
$11,256
-31.78%
$-5,244
Apr 26, 2021
$154.40
$17,000
$11,527
-32.19%
$-5,473
May 24, 2021
$147.20
$17,500
$11,490
-34.35%
$-6,010
Jun 24, 2021
$139.20
$18,000
$11,365
-36.86%
$-6,635
Jul 26, 2021
$132.00
$18,500
$11,277
-39.04%
$-7,223
Aug 24, 2021
$132.00
$19,000
$11,777
-38.01%
$-7,223
Sep 24, 2021
$129.60
$19,500
$12,063
-38.14%
$-7,437
Oct 25, 2021
$137.60
$20,000
$13,308
-33.46%
$-6,692
Nov 24, 2021
$151.20
$20,500
$15,123
-26.23%
$-5,377
Dec 27, 2021
$145.38
$21,000
$15,041
-28.38%
$-5,959
Jan 24, 2022
$139.20
$21,500
$14,902
-30.69%
$-6,598
Feb 24, 2022
$135.20
$22,000
$14,973
-31.94%
$-7,027
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Frequently Asked Questions
Common questions about DCA investing in ZCMD
Investing $500 per month in Zhongchao Inc. (ZCMD) over the past 6 years would be worth approximately $8K today. That's -83.9% total return on $47K invested, with a -25.5% compound annual growth rate (CAGR).