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
EUNLtracks the MSCI World Index
Every year of EUNL: 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
18
each with the same €10,000
Lump sum won
14
all in on day one
DCA won
4
spread over the months
| Year | Lump sum result | Lump sum end value | DCA result | DCA end value | Winner |
|---|---|---|---|---|---|
| 2026 (so far) | +11.86% | €11,186 | +9.54% | €10,477 | Lump sum |
| 2025 | +7.90% | €10,790 | +7.82% | €10,782 | Lump sum |
| 2024 | +25.93% | €12,593 | +12.26% | €11,226 | Lump sum |
| 2023 | +20.13% | €12,013 | +10.20% | €11,020 | Lump sum |
| 2022 | -13.59% | €8,641 | -6.78% | €9,322 | DCA |
| 2021 | +32.71% | €13,271 | +16.82% | €11,682 | Lump sum |
| 2020 | +5.48% | €10,548 | +12.13% | €11,213 | DCA |
| 2019 | +31.34% | €13,134 | +12.68% | €11,268 | Lump sum |
| 2018 | -5.13% | €9,487 | -7.28% | €9,272 | Lump sum |
| 2017 | +7.71% | €10,771 | +4.94% | €10,494 | Lump sum |
| 2016 | +10.91% | €11,091 | +12.26% | €11,226 | DCA |
| 2015 | +10.81% | €11,081 | +1.02% | €10,102 | Lump sum |
| 2014 | +20.38% | €12,038 | +12.84% | €11,284 | Lump sum |
| 2013 | +21.89% | €12,189 | +9.26% | €10,926 | Lump sum |
| 2012 | +12.45% | €11,245 | +3.75% | €10,375 | Lump sum |
| 2011 | -3.26% | €9,674 | +1.30% | €10,130 | DCA |
| 2010 | +19.38% | €11,938 | +11.98% | €11,198 | Lump sum |
| 2009 | +4.65% | €10,465 | +5.92% | €10,197 | Lump sum |