DCA history · S&P 500 (Total Return)
S&P 500 (Total Return) DCA since 2020: $100 weekly
Investing $100 every week into S&P 500 (Total Return) since 1 January 2020 (356 buys, $35,600 in total) would be worth $62,997 today (+76.96%).
Backtest 1 January 2020 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$62,997
+76.96% · +16.66%/yr
- Invested
- $35,600.00
- Buys
- 356
- Average cost
- $9,732.97
Lump sum, day one
Winner$93,560
+162.81%
- Invested
- $35,600.00
- Bought at
- $6,553.57
- Max drawdown
- 33.79%
Perfect timing (hindsight)
$134,478
+277.75%
- Bought on
- 23 Mar 2020
- At a price of
- $4,559.50
- 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 4.6% of days, with the longest unbroken stretch lasting 84 days (to 17 May 2020). The worst moment was 23 Mar 2020, when it was down 28.2% on what had been invested. It has been in profit continuously since 21 Oct 2022. The average cost per unit was $9,732.97 against a price today of $17,223.37 (+76.96%). The cheapest buy was $4,885.78 on 18 Mar 2020 and the priciest $17,501.21 on 7 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2020 | $5,300 | $6,290 | +18.67% |
| 31 Dec 2021 | $10,500 | $13,969 | +33.03% |
| 31 Dec 2022 | $15,700 | $16,369 | +4.26% |
| 31 Dec 2023 | $20,900 | $26,535 | +26.96% |
| 31 Dec 2024 | $26,100 | $38,884 | +48.98% |
| 31 Dec 2025 | $31,400 | $51,732 | +64.75% |
| 22 Oct 2026 | $35,600 | $62,997 | +76.96% |
Try a different start
Weekly $100 into S&P 500 (Total Return), 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 S&P 500 (Total Return) since 2020 be worth today?
- Investing $100 every week into S&P 500 (Total Return) since 1 January 2020 (356 buys, $35,600 in total) would be worth $62,997 today (+76.96%).
- Was DCA better than a lump sum for S&P 500 (Total Return) since 2020?
- Investing the same $35,600 in one go on 1 January 2020 would be worth $93,560 today (+162.81%), 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 S&P 500 (Total Return) DCA underwater since 2020?
- The plan was worth less than the money invested on 4.6% of days, with the longest stretch lasting 84 days (ending 17 May 2020).