Search any S&P 500 stock and compare three investor behaviors on real historical data. No account needed.
DCA (dollar-cost averaging) means splitting the total amount into equal pieces and investing them on a fixed schedule, weekly, monthly or quarterly, instead of all at once. It answers a different question than Lumpsum does, since the entry price gets averaged across many dates instead of depending on one.
Dip buying keeps cash on the side until the price drops by a set percentage from its running high, then puts in a fixed amount and starts tracking a new high from there. A single long slide down counts as one dip, not several, even if the price keeps falling before it turns back up.
It runs the same strategies against price history the simulator does not already hold, such as a fund, an index or a market outside the tracked list.
The file is read in your browser and is not sent anywhere. The header must be exactly two columns, Date and Price, in that order. Extra columns are rejected rather than ignored.
Yes. Compare mode runs all three strategies against the same price history and settings side by side, so the only variable that changes between them is which strategy each one uses.
Lumpsum means investing your entire amount in a single transaction on one day, then holding it untouched for the rest of the period. It's the simplest strategy: your return depends entirely on how the price moves between that one entry date and the end of the period, with no averaging to smooth things out.
DCA (dollar-cost averaging, also called a Sparplan, a versement programmé, a PAC, 定投 (dìngtóu), tsumitate tōshi, a strategy distinct from NISA, a specific tax-advantaged account type that often holds it, or a SIP) means splitting your total capital into equal amounts and investing on a fixed schedule, whether that's weekly, monthly, or quarterly, instead of all at once. Spreading purchases out over time averages your entry price, which reduces the risk of putting everything in right before a downturn.
Dip buyer holds capital in reserve and only invests when the price falls by a chosen percentage from its highest point so far in the period. Each time a dip triggers, it invests a fixed amount and then starts tracking a new high from that point forward, so one sustained price drop counts as a single dip, not several, even if the price keeps falling before it recovers.