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
VGWDtracks the FTSE All-World High Dividend Yield Index
Every year of VGWD: 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
10
each with the same €10,000
Lump sum won
8
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) | +14.44% | €11,444 | +7.49% | €10,375 | Lump sum |
| 2025 | +13.16% | €11,316 | +8.52% | €10,852 | Lump sum |
| 2024 | +15.75% | €11,575 | +5.95% | €10,595 | Lump sum |
| 2023 | +7.29% | €10,729 | +5.33% | €10,533 | Lump sum |
| 2022 | +0.08% | €10,008 | -0.85% | €9,915 | Lump sum |
| 2021 | +27.90% | €12,790 | +12.89% | €11,289 | Lump sum |
| 2020 | -9.60% | €9,040 | +7.22% | €10,722 | DCA |
| 2019 | +25.03% | €12,503 | +10.90% | €11,090 | Lump sum |
| 2018 | -8.03% | €9,197 | -6.98% | €9,302 | DCA |
| 2017 | +0.41% | €10,041 | +1.04% | €10,026 | Lump sum |