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
VWCEtracks the FTSE All-World Index
Every year of VWCE: 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
8
each with the same €10,000
Lump sum won
6
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) | +13.62% | €11,362 | +10.20% | €10,510 | Lump sum |
| 2025 | +9.16% | €10,916 | +8.38% | €10,838 | Lump sum |
| 2024 | +24.41% | €12,441 | +11.49% | €11,149 | Lump sum |
| 2023 | +18.18% | €11,818 | +9.25% | €10,925 | Lump sum |
| 2022 | -13.47% | €8,653 | -6.76% | €9,324 | DCA |
| 2021 | +28.62% | €12,862 | +14.26% | €11,426 | Lump sum |
| 2020 | +5.36% | €10,536 | +12.62% | €11,262 | DCA |
| 2019 | +7.56% | €10,756 | +6.78% | €10,339 | Lump sum |