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
IS3Stracks the MSCI World Enhanced Value Index
Every year of IS3S: 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) | +35.21% | €13,521 | +22.28% | €11,114 | Lump sum |
| 2025 | +25.13% | €12,513 | +16.81% | €11,681 | Lump sum |
| 2024 | +11.36% | €11,136 | +4.03% | €10,403 | Lump sum |
| 2023 | +15.62% | €11,562 | +8.24% | €10,824 | Lump sum |
| 2022 | -4.81% | €9,519 | -2.85% | €9,715 | DCA |
| 2021 | +30.38% | €13,038 | +12.42% | €11,242 | Lump sum |
| 2020 | -12.53% | €8,747 | +6.32% | €10,632 | DCA |
| 2019 | +22.01% | €12,201 | +10.38% | €11,038 | Lump sum |
| 2018 | -10.34% | €8,966 | -10.14% | €8,986 | DCA |
| 2017 | +7.66% | €10,766 | +6.34% | €10,634 | Lump sum |
| 2016 | +11.24% | €11,124 | +15.34% | €11,534 | DCA |
| 2015 | +8.31% | €10,831 | -1.67% | €9,833 | Lump sum |
| 2014 | -16.73% | €8,327 | -4.20% | €9,895 | DCA |