OriginaveLump sum vs DCA
Every year side by side — how $10,000 performed invested all at once versus as monthly dollar-cost averaging.
Ticker
SPMOtracks the S&P 500 Momentum Index
Every year of SPMO: 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
12
each with the same $10,000
Lump sum won
11
all in on day one
DCA won
1
spread over the months
| Year | Lump sum result | Lump sum end value | DCA result | DCA end value | Winner |
|---|---|---|---|---|---|
| 2026 (so far) | +35.98% | $13,598 | +29.97% | $11,498 | Lump sum |
| 2025 | +26.58% | $12,658 | +12.29% | $11,229 | Lump sum |
| 2024 | +45.82% | $14,582 | +17.00% | $11,700 | Lump sum |
| 2023 | +17.56% | $11,756 | +17.45% | $11,745 | Lump sum |
| 2022 | -10.45% | $8,955 | +0.87% | $10,087 | DCA |
| 2021 | +22.51% | $12,251 | +12.53% | $11,253 | Lump sum |
| 2020 | +27.80% | $12,780 | +20.96% | $12,096 | Lump sum |
| 2019 | +25.93% | $12,593 | +8.21% | $10,821 | Lump sum |
| 2018 | -0.92% | $9,908 | -8.30% | $9,170 | Lump sum |
| 2017 | +27.76% | $12,776 | +16.71% | $11,671 | Lump sum |
| 2016 | +7.18% | $10,718 | +5.29% | $10,529 | Lump sum |
| 2015 | +2.78% | $10,278 | -0.15% | $9,996 | Lump sum |