DCA or one-time investment?
Find which approach fits your risk tolerance, inflation assumptions, and investment horizon.
We evaluate real returns, volatility impact, and inflation resilience.
Input parameters
DCA or one-time investment?
Adjust capital, return, volatility, and inflation to see which path wins.
Input parameters
Adjust capital, return, volatility, and inflation to see which path wins.
Capital to invest
Amount you can deploy either upfront or as recurring contributions.
Investment horizon
Long horizons favor lump sums, short horizons often reward DCA.
Expected annual return
Average yearly return before taxes, prior to the risk haircut.
Annual volatility
Higher volatility increases the smoothing benefit of DCA.
Annual inflation
Shows the real purchasing power of the portfolio.
Results after 6 years
Includes risk-adjusted returns, inflation, and the monthly cost of capital.
PLN 111,695
Real value: PLN 93,543
PLN 95,188
Real value: PLN 79,718
+PLN 16,507
Monthly contribution: PLN 1,111 | effective rate: 0.46%
Actionable signals
We evaluate real returns, volatility impact, and inflation resilience.
Risk-adjusted return
5.7%
Expected return is reduced by volatility drag (geometric adjustment).
Volatility tilt
45.7%
The higher the volatility, the more points DCA earns for smoothing outcomes.
Pacing premium
59.4%
Short horizons and high volatility strengthen the case for recurring deposits.
When does each strategy win?
Contrast lump-sum momentum with the stability of DCA.
More time in the market favors an upfront deposit, especially when volatility is modest.
- Maximum exposure to potential upside from day one
- Compounding works on the full amount immediately
Plan your pacing
In this scenario the monthly ticket is PLN 1,111. Automate transfers and stick to the schedule.
Decision checklist
Use these signals to align the strategy with your risk tolerance.