DCA Calculator
Dollar-cost averaging means investing a fixed amount every month instead of one large lump sum. See, with numbers and a year-by-year breakdown, how much you could accumulate by contributing a fixed amount monthly to stocks, gold, or certificates over years.
Historical EGX30 averages 12-18% annual. Gold ~15-20%. Certificates 21%+. Each market differs.
These are mathematical projections assuming a constant annual return. Real markets are volatile, some years up, some down. DCA works long-term (5+ years) because it smooths short-term volatility.
FAQ, Dollar-Cost Averaging
What is DCA?
DCA = Dollar-Cost Averaging. Invest a fixed amount monthly instead of a big lump sum. You buy more shares when prices are low, fewer when high, average cost ends up reasonable and you avoid timing mistakes.
DCA vs lump-sum investing, which wins?
Vanguard studies show lump-sum wins ~66% of the time because markets trend up. But DCA is better psychologically for beginners and matches how most people actually earn (monthly salary). Pick DCA if you don't have a large lump sum.
Expected return from DCA on EGX?
EGX30 historical averages 12-18% annual. Gold 15-20%. Certificates pay a fixed, non-compounding rate that changes with central-bank decisions (see the certificates page for the current rate). Investing 5,000 EGP/month for 10 years at 15% → 600K invested, ~1.4M end value, ~800K growth.
Which assets can DCA be applied to in Egypt?
DCA is a method, not an asset, and it can be applied to several: (1) stock mutual funds (ready-made diversification, with management fees), (2) listed EGX stocks directly, (3) gold, (4) bank certificates (fixed income, no market risk). Each carries different risks and trade-offs, and the choice depends on personal circumstances.
When to stop DCA?
DCA is built for the long run: the fixed amount buys more units when prices are low and fewer when they are high, so the average forms over years. People usually stop when they reach a set financial goal, face an emergency, or their circumstances change. Stopping during a down market removes that part of the method, since those are the months when the fixed amount buys more units.
Should I factor in inflation?
The calculator shows nominal returns. For real returns: Expected return − Inflation rate. Egypt inflation is 20-25% (April 2026), so a 15% nominal return is actually -5 to -10% real. Any asset, stocks, gold, real estate or a currency, is measured the same way: its actual return minus inflation, and how each one performs varies from one period to the next.
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