DCA history · Gold
Gold DCA since 2019: $100 monthly
Investing $100 every month into Gold since 1 January 2019 (95 buys, $9,500 in total) would be worth $18,135 today (+90.90%).
Backtest 1 January 2019 to 12 November 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$18,135
+90.90% · +16.08%/yr
- Invested
- $9,500.00
- Buys
- 95
- Average cost
- $2,043.37
Lump sum, day one
Winner$28,905
+204.27%
- Invested
- $9,500.00
- Bought at
- $1,282.00
- Max drawdown
- 26.69%
Perfect timing (hindsight)
$29,178
+207.14%
- Bought on
- 2 May 2019
- At a price of
- $1,270.00
- 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 3.3% of days, with the longest unbroken stretch lasting 32 days (to 12 May 2019). The worst moment was 23 Apr 2019, when it was down 1.7% on what had been invested. It has been in profit continuously since 4 Nov 2022. The average cost per unit was $2,043.37 against a price today of $3,900.70 (+90.90%). The cheapest buy was $1,276.00 on 1 May 2019 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2019 | $1,200 | $1,327 | +10.60% |
| 31 Dec 2020 | $2,400 | $2,963 | +23.47% |
| 31 Dec 2021 | $3,600 | $4,080 | +13.32% |
| 31 Dec 2022 | $4,800 | $5,278 | +9.95% |
| 31 Dec 2023 | $6,000 | $7,263 | +21.04% |
| 31 Dec 2024 | $7,200 | $10,605 | +47.29% |
| 31 Dec 2025 | $8,400 | $19,029 | +126.54% |
| 12 Nov 2026 | $9,500 | $18,135 | +90.90% |
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 2019 be worth today?
- Investing $100 every month into Gold since 1 January 2019 (95 buys, $9,500 in total) would be worth $18,135 today (+90.90%).
- Was DCA better than a lump sum for Gold since 2019?
- Investing the same $9,500 in one go on 1 January 2019 would be worth $28,905 today (+204.27%), 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 2019?
- The plan was worth less than the money invested on 3.3% of days, with the longest stretch lasting 32 days (ending 12 May 2019).