DCA Portfolio Calculator

Dollar cost averaging is an investment strategy where you invest a fixed amount of money at regular intervals, regardless of the asset price. By buying consistently over time, you smooth out market volatility and avoid the risk of investing a lump sum at a market peak. Learn more about DCA.

Each monthly contribution is individually adjusted for Eurozone HICP inflation. Earlier euros bear more inflation than later ones, so the "real return" figure reflects what your money is actually worth in today's purchasing power.

When enabled, the portfolio is redistributed to your target asset weights once per year in January, after at least 12 months of investing. This keeps your allocation from drifting as different assets grow at different rates.

It depends on your risk tolerance, time horizon, and goals. A classic starting point is the 60/40 split (60% equities, 40% bonds), but many EUR investors lean more heavily into global equities for long-term growth. Use the Portfolio Optimizer to find allocations that match your maximum drawdown tolerance. Read the EUR investor guide.

The S&P 500 tracks only US large-cap stocks, while MSCI World covers ~1,500 stocks across 23 developed countries. The S&P 500 has historically had higher returns but is more concentrated. MSCI World offers broader diversification. See our full comparison.

Gold has historically reduced portfolio drawdowns during equity crashes because it tends to move independently of stock markets. Even a small allocation (10-20%) can improve risk-adjusted returns. Read more about DCA with gold.