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
IS3Qtracks the MSCI World Sector Neutral Quality Index
Every year of IS3Q: 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
13
each with the same €10,000
Lump sum won
8
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) | +12.44% | €11,244 | +9.51% | €10,475 | Lump sum |
| 2025 | +2.80% | €10,280 | +5.46% | €10,546 | DCA |
| 2024 | +23.78% | €12,378 | +9.16% | €10,916 | Lump sum |
| 2023 | +21.70% | €12,170 | +11.54% | €11,154 | Lump sum |
| 2022 | -14.84% | €8,516 | -6.04% | €9,396 | DCA |
| 2021 | +34.28% | €13,428 | +17.97% | €11,797 | Lump sum |
| 2020 | +4.44% | €10,444 | +10.31% | €11,031 | DCA |
| 2019 | +33.90% | €13,390 | +13.93% | €11,393 | Lump sum |
| 2018 | -3.45% | €9,655 | -6.02% | €9,398 | Lump sum |
| 2017 | +8.34% | €10,834 | +5.54% | €10,554 | Lump sum |
| 2016 | +7.85% | €10,785 | +8.96% | €10,896 | DCA |
| 2015 | +14.52% | €11,452 | +3.26% | €10,326 | Lump sum |
| 2014 | -14.79% | €8,521 | -10.15% | €9,746 | DCA |