DCA history · Gold
Gold DCA since 2020: $100 monthly
Investing $100 every month into Gold since 1 January 2020 (83 buys, $8,300 in total) would be worth $15,131 today (+82.30%).
Backtest 1 January 2020 to 11 November 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$15,131
+82.30% · +17.30%/yr
- Invested
- $8,300.00
- Buys
- 83
- Average cost
- $2,198.26
Lump sum, day one
Winner$21,890
+163.74%
- Invested
- $8,300.00
- Bought at
- $1,519.50
- Max drawdown
- 26.69%
Perfect timing (hindsight)
$22,516
+171.27%
- Bought on
- 18 Mar 2020
- At a price of
- $1,477.30
- 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 9.4% of days, with the longest unbroken stretch lasting 108 days (to 30 Nov 2022). The worst moment was 26 Sept 2022, when it was down 9.0% on what had been invested. It has been in profit continuously since 7 Dec 2022. The average cost per unit was $2,198.26 against a price today of $4,007.50 (+82.30%). The cheapest buy was $1,519.50 on 1 Jan 2020 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2020 | $1,200 | $1,310 | +9.13% |
| 31 Dec 2021 | $2,400 | $2,483 | +3.47% |
| 31 Dec 2022 | $3,600 | $3,688 | +2.45% |
| 31 Dec 2023 | $4,800 | $5,461 | +13.77% |
| 31 Dec 2024 | $6,000 | $8,308 | +38.47% |
| 31 Dec 2025 | $7,200 | $15,251 | +111.82% |
| 11 Nov 2026 | $8,300 | $15,131 | +82.30% |
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 2020 be worth today?
- Investing $100 every month into Gold since 1 January 2020 (83 buys, $8,300 in total) would be worth $15,131 today (+82.30%).
- Was DCA better than a lump sum for Gold since 2020?
- Investing the same $8,300 in one go on 1 January 2020 would be worth $21,890 today (+163.74%), 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 2020?
- The plan was worth less than the money invested on 9.4% of days, with the longest stretch lasting 108 days (ending 30 Nov 2022).