Finzolio

DCA or invest it all at once

You have a sum to invest and the usual doubt: put it all in today, or spread it over a few months? The answer hinges on one thing — what the market does while you are still sitting on cash. Pick that scenario and compare both routes to the end of your horizon.

That percentage is the total move while you are spreading the purchase; from there it compounds at the annual return. Negative means each month buys cheaper, which is exactly when spreading wins; positive means each month costs more.

Final value spreading it (DCA)

Final value all at once

Difference

Average price paid vs. day 1

0
Spread (DCA) All at once Difference

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Rendering the card…

A 1200×630 PNG of your numbers, ready to post.

And inside the app…

In the app you set your contribution plan and see whether you are keeping to it: how much is in, at what average price and how far you are from the goal, in real terms net of inflation.

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