OriginaveLump sum vs DCA
Every year side by side — how $10,000 performed invested all at once versus as monthly dollar-cost averaging.
Ticker
URTHtracks the MSCI World Index
Every year of URTH: 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
15
each with the same $10,000
Lump sum won
13
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) | +9.81% | $10,981 | +6.82% | $10,341 | Lump sum |
| 2025 | +21.36% | $12,136 | +12.46% | $11,246 | Lump sum |
| 2024 | +18.66% | $11,866 | +7.53% | $10,753 | Lump sum |
| 2023 | +23.95% | $12,395 | +12.55% | $11,255 | Lump sum |
| 2022 | -17.97% | $8,203 | -5.10% | $9,490 | DCA |
| 2021 | +22.27% | $12,227 | +11.09% | $11,109 | Lump sum |
| 2020 | +15.78% | $11,578 | +20.89% | $12,089 | DCA |
| 2019 | +28.15% | $12,815 | +12.45% | $11,245 | Lump sum |
| 2018 | -8.56% | $9,144 | -9.67% | $9,033 | Lump sum |
| 2017 | +22.95% | $12,295 | +11.40% | $11,140 | Lump sum |
| 2016 | +7.31% | $10,731 | +6.20% | $10,620 | Lump sum |
| 2015 | -0.64% | $9,936 | -1.67% | $9,833 | Lump sum |
| 2014 | +4.37% | $10,437 | +1.88% | $10,188 | Lump sum |
| 2013 | +26.66% | $12,666 | +13.57% | $11,357 | Lump sum |
| 2012 | +14.71% | $11,471 | +7.37% | $10,737 | Lump sum |