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
IS3Rtracks the MSCI World Momentum Index
Every year of IS3R: 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
9
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) | +30.15% | €13,015 | +24.83% | €11,241 | Lump sum |
| 2025 | +8.37% | €10,837 | +6.50% | €10,650 | Lump sum |
| 2024 | +37.95% | €13,795 | +13.39% | €11,339 | Lump sum |
| 2023 | +8.09% | €10,809 | +8.21% | €10,821 | DCA |
| 2022 | -13.60% | €8,640 | -4.08% | €9,592 | DCA |
| 2021 | +24.50% | €12,450 | +13.20% | €11,320 | Lump sum |
| 2020 | +16.41% | €11,641 | +13.88% | €11,388 | Lump sum |
| 2019 | +31.50% | €13,150 | +11.38% | €11,138 | Lump sum |
| 2018 | +0.27% | €10,027 | -6.59% | €9,341 | Lump sum |
| 2017 | +16.07% | €11,607 | +8.85% | €10,885 | Lump sum |
| 2016 | +7.03% | €10,703 | +8.34% | €10,834 | DCA |
| 2015 | +15.77% | €11,577 | +3.92% | €10,392 | Lump sum |
| 2014 | -13.37% | €8,663 | -8.68% | €9,783 | DCA |