DCA history · Gold
Gold DCA since 2018: $100 monthly
Investing $100 every month into Gold since 1 January 2018 (106 buys, $10,600 in total) would be worth $22,640 today (+113.59%).
Backtest 1 January 2018 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$22,640
+113.59% · +16.64%/yr
- Invested
- $10,600.00
- Buys
- 106
- Average cost
- $1,902.28
Lump sum, day one
Winner$33,053
+211.82%
- Invested
- $10,600.00
- Bought at
- $1,303.00
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$36,685
+246.08%
- Bought on
- 16 Aug 2018
- At a price of
- $1,174.00
- 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 8.2% of days, with the longest unbroken stretch lasting 227 days (to 23 Dec 2018). The worst moment was 16 Aug 2018, when it was down 9.2% on what had been invested. It has been in profit continuously since 3 May 2019. The average cost per unit was $1,902.28 against a price today of $4,063.00 (+113.59%). The cheapest buy was $1,189.00 on 1 Oct 2018 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2018 | $1,200 | $1,216 | +1.35% |
| 31 Dec 2019 | $2,400 | $2,769 | +15.37% |
| 31 Dec 2020 | $3,600 | $4,759 | +32.20% |
| 31 Dec 2021 | $4,800 | $5,813 | +21.11% |
| 31 Dec 2022 | $6,000 | $7,004 | +16.73% |
| 31 Dec 2023 | $7,200 | $9,219 | +28.04% |
| 31 Dec 2024 | $8,400 | $13,099 | +55.94% |
| 31 Dec 2025 | $9,600 | $23,133 | +140.97% |
| 22 Oct 2026 | $10,600 | $22,640 | +113.59% |
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 2018 be worth today?
- Investing $100 every month into Gold since 1 January 2018 (106 buys, $10,600 in total) would be worth $22,640 today (+113.59%).
- Was DCA better than a lump sum for Gold since 2018?
- Investing the same $10,600 in one go on 1 January 2018 would be worth $33,053 today (+211.82%), 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 2018?
- The plan was worth less than the money invested on 8.2% of days, with the longest stretch lasting 227 days (ending 23 Dec 2018).