OriginaveLump sum vs DCA
Every year side by side — how €10,000 performed invested all at once versus as monthly dollar-cost averaging.
Every figure here is in euros — what you'd actually pocket buying on Xetra. Fund fact sheets usually headline returns in US dollars, which can look very different: in 2025 a world tracker rose about 23% in dollars but only about 9% in euros, because the euro gained roughly 13% against the dollar. Here's the full story, year by year.
Ticker
SXR8tracks the S&P 500 Index
Every year of SXR8: lump sum vs DCA
For every year, the same €10,000 invested two ways: everything on day one (lump sum) or in twelve monthly parts (dollar-cost averaging). Percentages are measured on the money actually paid in, dividends included.
Years compared
17
each with the same €10,000
Lump sum won
12
all in on day one
DCA won
5
spread over the months
| Year | Lump sum result | Lump sum end value | DCA result | DCA end value | Winner |
|---|---|---|---|---|---|
| 2026 (so far) | +12.04% | €11,204 | +10.55% | €10,527 | Lump sum |
| 2025 | +4.73% | €10,473 | +7.31% | €10,731 | DCA |
| 2024 | +32.32% | €13,232 | +15.76% | €11,576 | Lump sum |
| 2023 | +22.47% | €12,247 | +11.46% | €11,146 | Lump sum |
| 2022 | -14.31% | €8,569 | -8.06% | €9,194 | DCA |
| 2021 | +40.74% | €14,074 | +21.25% | €12,125 | Lump sum |
| 2020 | +6.80% | €10,680 | +10.88% | €11,088 | DCA |
| 2019 | +34.49% | €13,449 | +14.19% | €11,419 | Lump sum |
| 2018 | -1.05% | €9,895 | -5.25% | €9,475 | Lump sum |
| 2017 | +6.67% | €10,667 | +5.25% | €10,525 | Lump sum |
| 2016 | +14.83% | €11,483 | +14.60% | €11,460 | Lump sum |
| 2015 | +12.52% | €11,252 | +3.81% | €10,381 | Lump sum |
| 2014 | +30.38% | €13,038 | +20.32% | €12,032 | Lump sum |
| 2013 | +27.45% | €12,745 | +10.98% | €11,098 | Lump sum |
| 2012 | +11.05% | €11,105 | +1.48% | €10,148 | Lump sum |
| 2011 | +4.85% | €10,485 | +8.08% | €10,808 | DCA |
| 2010 | -12.49% | €8,751 | -10.88% | €9,275 | DCA |