DCA history · Gold
Gold DCA since 2015: $100 monthly
Investing $100 every month into Gold since 1 January 2015 (142 buys, $14,200 in total) would be worth $34,663 today (+144.11%).
Backtest 1 January 2015 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$34,663
+144.11% · +14.25%/yr
- Invested
- $14,200.00
- Buys
- 142
- Average cost
- $1,664.44
Lump sum, day one
Winner$48,852
+244.03%
- Invested
- $14,200.00
- Bought at
- $1,181.00
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$54,895
+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 12.2% of days, with the longest unbroken stretch lasting 148 days (to 13 Oct 2015). The worst moment was 27 Nov 2015, when it was down 9.7% on what had been invested. It has been in profit continuously since 3 Dec 2018. The average cost per unit was $1,664.44 against a price today of $4,063.00 (+144.11%). 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 2015 | $1,200 | $1,096 | -8.70% |
| 31 Dec 2016 | $2,400 | $2,303 | -4.03% |
| 31 Dec 2017 | $3,600 | $3,856 | +7.10% |
| 31 Dec 2018 | $4,800 | $5,010 | +4.37% |
| 31 Dec 2019 | $6,000 | $7,265 | +21.09% |
| 31 Dec 2020 | $7,200 | $10,361 | +43.90% |
| 31 Dec 2021 | $8,400 | $11,221 | +33.58% |
| 31 Dec 2022 | $9,600 | $12,389 | +29.05% |
| 31 Dec 2023 | $10,800 | $15,322 | +41.87% |
| 31 Dec 2024 | $12,000 | $20,879 | +74.00% |
| 31 Dec 2025 | $13,200 | $35,933 | +172.22% |
| 22 Oct 2026 | $14,200 | $34,663 | +144.11% |
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 2015 be worth today?
- Investing $100 every month into Gold since 1 January 2015 (142 buys, $14,200 in total) would be worth $34,663 today (+144.11%).
- Was DCA better than a lump sum for Gold since 2015?
- Investing the same $14,200 in one go on 1 January 2015 would be worth $48,852 today (+244.03%), 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 2015?
- The plan was worth less than the money invested on 12.2% of days, with the longest stretch lasting 148 days (ending 13 Oct 2015).