定投计算器
模拟美元成本平均法（定投）策略的投资效果，计算定期定额投资在不同市场条件下的平均成本和回报。
终值
$91,473
Future Value vs Monthly Investment
公式
Dollar-Cost Averaging (DCA)
DCA involves investing a fixed amount at regular intervals, regardless of market conditions.
How DCA Works
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.
计算示例
$500/month for 10 years at 8% annual return.
- 01Monthly return = 8% / 12 = 0.667%
- 02Total months = 120
- 03Total invested = $500 x 120 = $60,000
- 04Future value = $500 x [(1.00667)^120 - 1] / 0.00667 = $91,473
- 05Investment gains = $91,473 - $60,000 = $31,473
常见问题
Is dollar-cost averaging a good strategy?
DCA is an excellent strategy for regular investors who receive income over time. It removes the need to time the market and enforces consistent saving discipline. It is the natural way most people invest through 401(k) and IRA contributions.
Should I lump sum invest or DCA?
If you have a lump sum available, investing it all at once historically produces higher returns about 66% of the time. If you are risk-averse or worried about timing, DCA provides smoother entry and peace of mind.
How often should I invest with DCA?
Monthly is most common and practical. More frequent investing (weekly or biweekly) has minimal mathematical advantage. The key is consistency, not frequency.
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