حاسبة متوسط التكلفة الدوري (DCA)

كيف يُحتسب هذا

average cost = total invested / total shares  (the harmonic mean of the prices)

total invested

the fixed amount multiplied by the number of purchases

total shares

sum of (amount / price) at each purchase

مثال محلول

Investing $500 at $100, $92 and $105 buys 15.20 shares for $1,500. That is an average cost of $98.71 — below the $99.00 simple average of the prices, because the fixed amount bought more shares when the price was lower.

أسئلة شائعة

What is dollar-cost averaging?

Investing a fixed amount at regular intervals regardless of price. Because the fixed amount buys more shares when the price is lower and fewer when it is higher, the average cost per share differs from the average of the prices themselves.

Why is my average cost lower than the average price?

A fixed contribution buys more shares at low prices, so those cheaper purchases carry more weight. The result is the harmonic rather than the arithmetic mean, which is always lower when prices vary.

Does dollar-cost averaging guarantee a better result?

No. It removes the need to time entries and smooths the cost basis, but in a steadily rising market investing earlier would have produced more. It is a method of contributing, not a way to avoid loss.

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