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
SXRVtracks the Nasdaq-100 Index
Every year of SXRV: 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) | +21.95% | €12,195 | +19.12% | €10,956 | Lump sum |
| 2025 | +6.79% | €10,679 | +9.33% | €10,933 | DCA |
| 2024 | +33.55% | €13,355 | +18.11% | €11,811 | Lump sum |
| 2023 | +51.19% | €15,119 | +20.66% | €12,066 | Lump sum |
| 2022 | -30.05% | €6,995 | -17.09% | €8,291 | DCA |
| 2021 | +39.34% | €13,934 | +22.34% | €12,234 | Lump sum |
| 2020 | +34.48% | €13,448 | +21.42% | €12,142 | Lump sum |
| 2019 | +42.90% | €14,290 | +18.02% | €11,802 | Lump sum |
| 2018 | +3.03% | €10,303 | -6.16% | €9,384 | Lump sum |
| 2017 | +15.81% | €11,581 | +7.37% | €10,737 | Lump sum |
| 2016 | +9.96% | €10,996 | +13.87% | €11,387 | DCA |
| 2015 | +21.87% | €12,187 | +8.70% | €10,870 | Lump sum |
| 2014 | +37.26% | €13,726 | +24.35% | €12,435 | Lump sum |
| 2013 | +32.30% | €13,230 | +16.16% | €11,616 | Lump sum |
| 2012 | +13.01% | €11,301 | -1.93% | €9,807 | Lump sum |
| 2011 | +5.73% | €10,573 | +8.22% | €10,822 | DCA |
| 2010 | -9.35% | €9,065 | -9.02% | €9,398 | DCA |