定投计算器

定投(DCA)模拟

交易详情

$
$
%

最终余额

$162254.57

总投资

$91000.00

总回报

$71254.57

回报率 %

78.30%
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如何使用此计算器

The Dollar Cost Averaging (DCA) Calculator lets you simulate the results of making regular, consistent investments over time. Simply input your starting amount, your planned monthly investment, expected returns, and your investment horizon.

The graph will illustrate the gap between your total invested cash and your portfolio's actual value, visually demonstrating the power of consistent investing and compound growth.

公式

While simple DCA relies on purchasing a fixed dollar amount at regular intervals, modeling it involves calculating the future value of a series of cash flows, similar to an annuity formula, combined with initial lump sum growth.

示例

If you start with $0 and invest $500 every month into an S&P 500 index fund returning 8% annually, in 30 years you will have invested $180,000, but your portfolio could be worth over $745,000.

常见问题

Dollar Cost Averaging is an investment strategy where you divide the total amount to be invested across periodic purchases of a target asset in an effort to reduce the impact of volatility on the overall purchase.
DCA reduces the emotional impact of investing and mitigates the risk of investing a large amount right before a market drop. It ensures you buy more shares when prices are low and fewer when prices are high.
Common intervals are weekly, bi-weekly, or monthly. The exact frequency is less important than consistency. Many investors align their DCA schedule with their paychecks.
No, DCA does not guarantee a profit or protect against loss in declining markets. However, it is an effective way to lower your average cost per share over the long term.

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