Durchschnittskostenmethode-Rechner — Formel

Dollar-Cost Averaging (DCA)

DCA involves investing a fixed amount at regular intervals, regardless of market conditions.

How DCA Works

  • When prices are high, your fixed amount buys fewer shares
  • When prices are low, your fixed amount buys more shares
  • Over time, your average cost per share smooths out

    • Future Value Formula

    FV = PMT x [(1+r)^n - 1] / r

    Where PMT is the monthly investment, r is the monthly return, and n is total months.

    DCA vs Lump Sum

    Historically, lump-sum investing outperforms DCA about 2/3 of the time. However, DCA reduces the emotional risk of investing at a peak and is the natural approach for income earners.

    Lösungsbeispiel

    $500/month for 10 years at 8% annual return.

    1. Monthly return = 8% / 12 = 0.667%
    2. Total months = 120
    3. Total invested = $500 x 120 = $60,000
    4. Future value = $500 x [(1.00667)^120 - 1] / 0.00667 = $91,473
    5. Investment gains = $91,473 - $60,000 = $31,473