DCA history · Gold
Gold DCA since 2022: $100 monthly
Investing $100 every month into Gold since 1 January 2022 (58 buys, $5,800 in total) would be worth $9,716 today (+67.51%).
Backtest 1 January 2022 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$9,716
+67.51% · +21.72%/yr
- Invested
- $5,800.00
- Buys
- 58
- Average cost
- $2,425.53
Lump sum, day one
Winner$12,895
+122.33%
- Invested
- $5,800.00
- Bought at
- $1,827.50
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$14,517
+150.29%
- 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 15.1% of days, with the longest unbroken stretch lasting 206 days (to 30 Nov 2022). The worst moment was 26 Sept 2022, when it was down 11.3% on what had been invested. It has been in profit continuously since 9 Oct 2023. The average cost per unit was $2,425.53 against a price today of $4,063.00 (+67.51%). 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 2022 | $1,200 | $1,216 | +1.30% |
| 31 Dec 2023 | $2,400 | $2,659 | +10.77% |
| 31 Dec 2024 | $3,600 | $4,736 | +31.55% |
| 31 Dec 2025 | $4,800 | $9,373 | +95.27% |
| 22 Oct 2026 | $5,800 | $9,716 | +67.51% |
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 2022 be worth today?
- Investing $100 every month into Gold since 1 January 2022 (58 buys, $5,800 in total) would be worth $9,716 today (+67.51%).
- Was DCA better than a lump sum for Gold since 2022?
- Investing the same $5,800 in one go on 1 January 2022 would be worth $12,895 today (+122.33%), 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 2022?
- The plan was worth less than the money invested on 15.1% of days, with the longest stretch lasting 206 days (ending 30 Nov 2022).