DCA history · S&P 500
S&P 500 DCA since 2006: $100 weekly
Investing $100 every week into S&P 500 since 1 January 2006 (1,086 buys, $108,600 in total) would be worth $419,241 today (+286.04%).
Backtest 1 January 2006 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$419,241
+286.04% · +11.59%/yr
- Invested
- $108,600.00
- Buys
- 1,086
- Average cost
- $1,989.45
Lump sum, day one
Winner$668,159
+515.25%
- Invested
- $108,600.00
- Bought at
- $1,248.29
- Max drawdown
- 56.78%
Perfect timing (hindsight)
$1,232,845
+1035.22%
- Bought on
- 9 Mar 2009
- At a price of
- $676.53
- 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 14.5% of days, with the longest unbroken stretch lasting 668 days (to 4 Apr 2010). The worst moment was 9 Mar 2009, when it was down 46.6% on what had been invested. It has been in profit continuously since 28 Nov 2011. The average cost per unit was $1,989.45 against a price today of $7,680.08 (+286.04%). The cheapest buy was $683.38 on 8 Mar 2009 and the priciest $7,811.54 on 11 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2006 | $5,300 | $5,746 | +8.41% |
| 31 Dec 2007 | $10,500 | $11,122 | +5.92% |
| 31 Dec 2008 | $15,700 | $10,805 | -31.18% |
| 31 Dec 2009 | $20,900 | $19,557 | -6.43% |
| 31 Dec 2010 | $26,100 | $27,824 | +6.60% |
| 31 Dec 2011 | $31,300 | $32,994 | +5.41% |
| 31 Dec 2012 | $36,600 | $42,910 | +17.24% |
| 31 Dec 2013 | $41,800 | $61,474 | +47.07% |
| 31 Dec 2014 | $47,000 | $74,030 | +57.51% |
| 31 Dec 2015 | $52,200 | $78,653 | +50.68% |
| 31 Dec 2016 | $57,400 | $91,732 | +59.81% |
| 31 Dec 2017 | $62,700 | $115,349 | +83.97% |
| 31 Dec 2018 | $67,900 | $112,912 | +66.29% |
| 31 Dec 2019 | $73,100 | $151,293 | +106.97% |
| 31 Dec 2020 | $78,300 | $182,039 | +132.49% |
| 31 Dec 2021 | $83,500 | $236,833 | +183.63% |
| 31 Dec 2022 | $88,700 | $195,671 | +120.60% |
| 31 Dec 2023 | $94,000 | $249,003 | +164.90% |
| 31 Dec 2024 | $99,200 | $312,698 | +215.22% |
| 31 Dec 2025 | $104,400 | $369,713 | +254.13% |
| 22 Oct 2026 | $108,600 | $419,241 | +286.04% |
Try a different start
Weekly $100 into S&P 500, 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 since 2006 be worth today?
- Investing $100 every week into S&P 500 since 1 January 2006 (1,086 buys, $108,600 in total) would be worth $419,241 today (+286.04%).
- Was DCA better than a lump sum for S&P 500 since 2006?
- Investing the same $108,600 in one go on 1 January 2006 would be worth $668,159 today (+515.25%), 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 DCA underwater since 2006?
- The plan was worth less than the money invested on 14.5% of days, with the longest stretch lasting 668 days (ending 4 Apr 2010).