OriginaveLump sum vs DCA
Every year side by side — how $10,000 performed invested all at once versus as monthly dollar-cost averaging.
Ticker
VGTtracks the MSCI US IMI Information Technology 25/50 Index
Every year of VGT: 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
23
each with the same $10,000
Lump sum won
18
all in on day one
DCA won
5
spread over the months
| Year | Lump sum result | Lump sum end value | DCA result | DCA end value | Winner |
|---|---|---|---|---|---|
| 2026 (so far) | +27.13% | $12,713 | +23.19% | $11,160 | Lump sum |
| 2025 | +21.77% | $12,177 | +16.75% | $11,675 | Lump sum |
| 2024 | +29.30% | $12,930 | +14.88% | $11,488 | Lump sum |
| 2023 | +52.66% | $15,266 | +22.20% | $12,220 | Lump sum |
| 2022 | -29.70% | $7,030 | -12.48% | $8,752 | DCA |
| 2021 | +30.45% | $13,045 | +18.60% | $11,860 | Lump sum |
| 2020 | +46.04% | $14,604 | +32.07% | $13,207 | Lump sum |
| 2019 | +48.62% | $14,862 | +21.12% | $12,112 | Lump sum |
| 2018 | +2.46% | $10,246 | -7.31% | $9,269 | Lump sum |
| 2017 | +37.08% | $13,708 | +16.71% | $11,671 | Lump sum |
| 2016 | +13.77% | $11,377 | +10.55% | $11,055 | Lump sum |
| 2015 | +5.05% | $10,505 | +2.86% | $10,286 | Lump sum |
| 2014 | +16.69% | $11,669 | +9.46% | $10,946 | Lump sum |
| 2013 | +30.97% | $13,097 | +19.37% | $11,937 | Lump sum |
| 2012 | +13.96% | $11,396 | +0.85% | $10,085 | Lump sum |
| 2011 | +0.54% | $10,054 | -1.53% | $9,847 | Lump sum |
| 2010 | +12.78% | $11,278 | +14.74% | $11,474 | DCA |
| 2009 | +61.89% | $16,189 | +35.51% | $13,551 | Lump sum |
| 2008 | -42.82% | $5,718 | -29.75% | $7,025 | DCA |
| 2007 | +14.78% | $11,478 | +6.75% | $10,675 | Lump sum |
| 2006 | +8.85% | $10,885 | +7.55% | $10,755 | Lump sum |
| 2005 | +3.00% | $10,300 | +6.61% | $10,661 | DCA |
| 2004 | -2.86% | $9,714 | +6.57% | $10,602 | DCA |