DCA history · Gold
Gold DCA since 2014: $100 monthly
Investing $100 every month into Gold since 1 January 2014 (154 buys, $15,400 in total) would be worth $38,545 today (+150.29%).
Backtest 1 January 2014 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$38,545
+150.29% · +13.42%/yr
- Invested
- $15,400.00
- Buys
- 154
- Average cost
- $1,623.30
Lump sum, day one
Winner$51,925
+237.18%
- Invested
- $15,400.00
- Bought at
- $1,205.00
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$59,534
+286.58%
- Bought on
- 17 Dec 2015
- At a price of
- $1,051.00
- Not a plan you could follow
How it would have felt
Over this period the plan was worth less than the money you’d put in on 16.1% of days, with the longest unbroken stretch lasting 370 days (to 10 Feb 2016). The worst moment was 17 Dec 2015, when it was down 12.9% on what had been invested. It has been in profit continuously since 4 Dec 2018. The average cost per unit was $1,623.30 against a price today of $4,063.00 (+150.29%). The cheapest buy was $1,061.00 on 1 Jan 2016 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2014 | $1,200 | $1,128 | -5.97% |
| 31 Dec 2015 | $2,400 | $2,109 | -12.11% |
| 31 Dec 2016 | $3,600 | $3,403 | -5.47% |
| 31 Dec 2017 | $4,800 | $5,101 | +6.26% |
| 31 Dec 2018 | $6,000 | $6,235 | +3.91% |
| 31 Dec 2019 | $7,200 | $8,717 | +21.07% |
| 31 Dec 2020 | $8,400 | $12,170 | +44.88% |
| 31 Dec 2021 | $9,600 | $12,967 | +35.08% |
| 31 Dec 2022 | $10,800 | $14,127 | +30.81% |
| 31 Dec 2023 | $12,000 | $17,293 | +44.10% |
| 31 Dec 2024 | $13,200 | $23,391 | +77.21% |
| 31 Dec 2025 | $14,400 | $40,066 | +178.23% |
| 22 Oct 2026 | $15,400 | $38,545 | +150.29% |
Try a different start
Monthly $100 into Gold, by start year:
Does the start year really matter? Best and worst time to start DCA or DCA vs lump sum, tested on every start month.
Frequently asked questions
- How much would $100 every month in Gold since 2014 be worth today?
- Investing $100 every month into Gold since 1 January 2014 (154 buys, $15,400 in total) would be worth $38,545 today (+150.29%).
- Was DCA better than a lump sum for Gold since 2014?
- Investing the same $15,400 in one go on 1 January 2014 would be worth $51,925 today (+237.18%), so putting it all in on day one came out ahead over this particular period. Which wins depends heavily on the start date.
- How long was Gold DCA underwater since 2014?
- The plan was worth less than the money invested on 16.1% of days, with the longest stretch lasting 370 days (ending 10 Feb 2016).