DCA history · Gold
Gold DCA since 2020: $100 weekly
Investing $100 every week into Gold since 1 January 2020 (356 buys, $35,600 in total) would be worth $65,789 today (+84.80%).
Backtest 1 January 2020 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$65,789
+84.80% · +17.93%/yr
- Invested
- $35,600.00
- Buys
- 356
- Average cost
- $2,198.97
Lump sum, day one
Winner$95,207
+167.44%
- Invested
- $35,600.00
- Bought at
- $1,519.50
- Max drawdown
- 25.06%
Perfect timing (hindsight)
$97,927
+175.08%
- 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 10.4% 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 9.2% on what had been invested. It has been in profit continuously since 16 Dec 2022. The average cost per unit was $2,198.97 against a price today of $4,063.70 (+84.80%). The cheapest buy was $1,477.30 on 18 Mar 2020 and the priciest $5,301.60 on 28 Jan 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2020 | $5,300 | $5,715 | +7.83% |
| 31 Dec 2021 | $10,500 | $10,803 | +2.89% |
| 31 Dec 2022 | $15,700 | $16,026 | +2.08% |
| 31 Dec 2023 | $20,900 | $23,689 | +13.34% |
| 31 Dec 2024 | $26,100 | $35,987 | +37.88% |
| 31 Dec 2025 | $31,400 | $65,992 | +110.17% |
| 22 Oct 2026 | $35,600 | $65,789 | +84.80% |
Try a different start
Weekly $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 week in Gold since 2020 be worth today?
- Investing $100 every week into Gold since 1 January 2020 (356 buys, $35,600 in total) would be worth $65,789 today (+84.80%).
- Was DCA better than a lump sum for Gold since 2020?
- Investing the same $35,600 in one go on 1 January 2020 would be worth $95,207 today (+167.44%), 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 10.4% of days, with the longest stretch lasting 108 days (ending 30 Nov 2022).