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DCA Stock Simulator

Simulate dollar-cost averaging performance using real historical data

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Dollar-Cost Averaging Strategy

Advantages

  • Average cost method, diversifying entry risk
  • Disciplined investing, avoiding buying high and selling low
  • Start with small amounts, low threshold
  • Significant long-term compounding effect

Suitable Targets

  • Market index ETFs (e.g., 0050, 0056)
  • US S&P 500 index ETFs
  • Blue-chip stocks with stable dividends
  • Markets with long-term upward trends
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FAQ (FAQ)

定期定額（DCA）是什麼？ ▾
Dollar-Cost Averaging，固定時間（如每月 1 號）投入固定金額（如 5,000 元）買入指定標的。優點：1) 不需擇時 2) 自動低點多買、高點少買 3) 紀律強迫儲蓄。最適合 ETF、基金等指數標的。
DCA vs 一次投入哪個好？ ▾
Vanguard 研究：歷史回測 67% 時間一次投入報酬較高。但 DCA 心理優勢大（避免「投完就跌」焦慮）。建議：有大筆閒置資金 → 6-12 個月分批 DCA；月薪流入 → 自動定期定額。
0050 vs 006208 選哪個？ ▾
兩檔都追蹤台灣 50 指數。0050（元大）規模 4,000+ 億、流動性最好、費用率 0.32%。006208（富邦）規模 2,000+ 億、費用率 0.24% 較低。長期報酬幾乎相同（追蹤誤差 < 0.1%）。
DCA 多久能存到 1,000 萬？ ▾
月投 1 萬 + 年化 7%：約 28 年。月投 2 萬：約 21 年。月投 3 萬：約 17 年。月投 5 萬：約 13 年。提早 10 年開始比多投 1 倍金額更有效。本工具可實際試算。
DCA 遇到大跌要繼續嗎？ ▾
「越跌越要繼續」是 DCA 的精髓。歷史上每次大跌（2008、2020、2022）後 5 年都創新高。提前停損反而錯失反彈。但前提是標的為「分散指數型 ETF」，個股風險不適用此邏輯。
什麼時候該停止 DCA？ ▾
3 種情況：1) 達成目標金額（如退休本金 25 倍年支出）2) 即將需要動用（5 年內買房/退休前 3 年） 3) 標的基本面變質（如指數成分股換血）。長期投資不建議因「市場高估」而停。
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Investment Disclaimer

The results of this tool are for reference only and do not constitute buy/sell recommendations. Stock investing involves risks; past performance does not guarantee future results. Please carefully assess your risk tolerance before investing.

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