DCA history · S&P 500
S&P 500 DCA since 2010: $100 weekly
Investing $100 every week into S&P 500 since 1 January 2010 (877 buys, $87,700 in total) would be worth $284,547 today (+224.46%).
Backtest 1 January 2010 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$284,547
+224.46% · +12.78%/yr
- Invested
- $87,700.00
- Buys
- 877
- Average cost
- $2,367.07
Lump sum, day one
Winner$604,020
+588.73%
- Invested
- $87,700.00
- Bought at
- $1,115.10
- Max drawdown
- 33.92%
Perfect timing (hindsight)
$658,670
+651.05%
- Bought on
- 2 Jul 2010
- At a price of
- $1,022.58
- 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 3.3% of days, with the longest unbroken stretch lasting 76 days (to 1 Aug 2010). The worst moment was 2 Jul 2010, when it was down 8.7% on what had been invested. It has been in profit continuously since 29 Nov 2011. The average cost per unit was $2,367.07 against a price today of $7,680.08 (+224.46%). The cheapest buy was $1,022.58 on 2 Jul 2010 and the priciest $7,811.54 on 9 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2010 | $5,300 | $5,867 | +10.70% |
| 31 Dec 2011 | $10,500 | $11,038 | +5.12% |
| 31 Dec 2012 | $15,700 | $17,897 | +13.99% |
| 31 Dec 2013 | $20,900 | $29,057 | +39.03% |
| 31 Dec 2014 | $26,100 | $37,921 | +45.29% |
| 31 Dec 2015 | $31,300 | $42,806 | +36.76% |
| 31 Dec 2016 | $36,600 | $52,568 | +43.63% |
| 31 Dec 2017 | $41,800 | $68,459 | +63.78% |
| 31 Dec 2018 | $47,000 | $68,947 | +46.70% |
| 31 Dec 2019 | $52,200 | $94,632 | +81.29% |
| 31 Dec 2020 | $57,400 | $116,165 | +102.38% |
| 31 Dec 2021 | $62,700 | $153,344 | +144.57% |
| 31 Dec 2022 | $67,900 | $128,434 | +89.15% |
| 31 Dec 2023 | $73,100 | $165,350 | +126.20% |
| 31 Dec 2024 | $78,300 | $209,546 | +167.62% |
| 31 Dec 2025 | $83,500 | $249,657 | +198.99% |
| 22 Oct 2026 | $87,700 | $284,547 | +224.46% |
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 2010 be worth today?
- Investing $100 every week into S&P 500 since 1 January 2010 (877 buys, $87,700 in total) would be worth $284,547 today (+224.46%).
- Was DCA better than a lump sum for S&P 500 since 2010?
- Investing the same $87,700 in one go on 1 January 2010 would be worth $604,020 today (+588.73%), 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 2010?
- The plan was worth less than the money invested on 3.3% of days, with the longest stretch lasting 76 days (ending 1 Aug 2010).