OriginaveLump sum vs DCA
Every year side by side — how $10,000 performed invested all at once versus as monthly dollar-cost averaging.
Ticker
SCHGtracks the Dow Jones U.S. Large-Cap Growth Total Stock Market Index
Every year of SCHG: 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
15
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) | +3.97% | $10,397 | +6.00% | $10,300 | Lump sum |
| 2025 | +17.50% | $11,750 | +13.13% | $11,313 | Lump sum |
| 2024 | +34.96% | $13,496 | +16.82% | $11,682 | Lump sum |
| 2023 | +50.11% | $15,011 | +21.53% | $12,153 | Lump sum |
| 2022 | -31.80% | $6,820 | -14.34% | $8,566 | DCA |
| 2021 | +28.12% | $12,812 | +15.79% | $11,579 | Lump sum |
| 2020 | +39.14% | $13,914 | +28.10% | $12,810 | Lump sum |
| 2019 | +36.02% | $13,602 | +15.56% | $11,556 | Lump sum |
| 2018 | -1.36% | $9,864 | -7.83% | $9,217 | Lump sum |
| 2017 | +28.05% | $12,805 | +13.30% | $11,330 | Lump sum |
| 2016 | +6.55% | $10,655 | +6.05% | $10,605 | Lump sum |
| 2015 | +3.24% | $10,324 | +0.07% | $10,007 | Lump sum |
| 2014 | +15.80% | $11,580 | +9.30% | $10,930 | Lump sum |
| 2013 | +34.04% | $13,404 | +17.93% | $11,793 | Lump sum |
| 2012 | +16.89% | $11,689 | +4.54% | $10,454 | Lump sum |
| 2011 | -0.74% | $9,926 | -2.83% | $9,717 | Lump sum |
| 2010 | +14.92% | $11,492 | +15.90% | $11,590 | DCA |