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
VGVFtracks the FTSE Developed World Index
Every year of VGVF: 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
7
each with the same €10,000
Lump sum won
5
all in on day one
DCA won
2
spread over the months
| Year | Lump sum result | Lump sum end value | DCA result | DCA end value | Winner |
|---|---|---|---|---|---|
| 2026 (so far) | +13.72% | €11,372 | +10.56% | €10,528 | Lump sum |
| 2025 | +8.99% | €10,899 | +8.34% | €10,834 | Lump sum |
| 2024 | +24.73% | €12,473 | +11.49% | €11,149 | Lump sum |
| 2023 | +20.35% | €12,035 | +10.41% | €11,041 | Lump sum |
| 2022 | -13.58% | €8,642 | -6.68% | €9,332 | DCA |
| 2021 | +31.62% | €13,162 | +16.13% | €11,613 | Lump sum |
| 2020 | +2.32% | €10,232 | +12.82% | €11,175 | DCA |