DCA history · Gold
Gold DCA since 2021: $100 monthly
Investing $100 every month into Gold since 1 January 2021 (70 buys, $7,000 in total) would be worth $12,423 today (+77.47%).
Backtest 1 January 2021 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$12,423
+77.47% · +19.72%/yr
- Invested
- $7,000.00
- Buys
- 70
- Average cost
- $2,288.86
Lump sum, day one
Winner$15,020
+114.57%
- Invested
- $7,000.00
- Bought at
- $1,893.10
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$17,516
+150.23%
- Bought on
- 26 Sept 2022
- At a price of
- $1,623.30
- 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 21.3% of days, with the longest unbroken stretch lasting 157 days (to 30 Nov 2022). The worst moment was 26 Sept 2022, when it was down 10.4% on what had been invested. It has been in profit continuously since 9 Oct 2023. The average cost per unit was $2,288.86 against a price today of $4,062.00 (+77.47%). The cheapest buy was $1,645.00 on 1 Nov 2022 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2021 | $1,200 | $1,219 | +1.59% |
| 31 Dec 2022 | $2,400 | $2,429 | +1.23% |
| 31 Dec 2023 | $3,600 | $4,034 | +12.06% |
| 31 Dec 2024 | $4,800 | $6,490 | +35.20% |
| 31 Dec 2025 | $6,000 | $12,258 | +104.31% |
| 22 Oct 2026 | $7,000 | $12,423 | +77.47% |
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 2021 be worth today?
- Investing $100 every month into Gold since 1 January 2021 (70 buys, $7,000 in total) would be worth $12,423 today (+77.47%).
- Was DCA better than a lump sum for Gold since 2021?
- Investing the same $7,000 in one go on 1 January 2021 would be worth $15,020 today (+114.57%), 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 2021?
- The plan was worth less than the money invested on 21.3% of days, with the longest stretch lasting 157 days (ending 30 Nov 2022).