Financial Simulation

Dollar-Cost Averaging vs Dollar Value Averaging: Smart Market Timing

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Created by BearGain Analytics Team • Created Dec 07, 2025 •
dca dva investment-strategy market-timing technical-analysis break-even-pricing trend-analysis systematic-investing

Compare DCA (fixed amounts) vs DVA (intelligent market timing using break-even analysis and trend lines). See how technical analysis can optimize investment timing for potentially better results.

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Dollar-Cost Averaging vs Dollar Value Averaging - Investment Strategy Comparison

Dollar-Cost Averaging vs Dollar Value Averaging

Compare traditional DCA (fixed investments) with smart DVA (variable investments). See how market-responsive strategies can potentially improve your long-term results.

📊
Dollar-Cost Averaging (DCA)
Invest a fixed dollar amount at regular intervals, regardless of market conditions.
Buy more shares when prices are low, fewer when high
🎯
Dollar Value Averaging (DVA)
Smart timing: Invest more when prices are below trend/break-even, less when above. Uses technical analysis for optimal entry points.
Fixed dates, variable amounts based on market analysis
Strategy Winner
DCA Wins by $5,230
In this market scenario, Dollar-Cost Averaging outperformed
$128,450
DCA Final Value
$123,220
DVA Final Value
4.1%
Performance Gap

Dollar-Cost Averaging

DCA
$128,450
Final portfolio value after 10 years
1,284
Total Shares
$78.45
Avg Purchase Price

Dollar Value Averaging

DVA
$123,220
Final portfolio value after 10 years
1,156
Total Shares
$85.23
Avg Purchase Price
BUY MORE
Current Signal
$85.23
Break-Even Price
$92.45
Trend Price

Portfolio Value Over Time

DCA Portfolio
DVA Portfolio
Break-Even Price
Trend Line

Monthly Investment Amounts

Investment Comparison Timeline
Year 3
DCA: $25,400
DVA: $28,600
Year 6
DCA: $52,800
DVA: $49,200
Year 9
DCA: $89,100
DVA: $92,400
Final
DCA: $128,450
DVA: $123,220
Strategy Insights & Analysis

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