All at Once, or Bit by Bit?
Compare investing everything now vs. spreading it over time — using real 0050 ETF returns
Both Scenarios
DCA Setting
Lump Sum Wins
NT$ 0
Over 20 years, Lump Sum comes out ahead by NT$ 273K based on historical returns.
Portfolio Growth Comparison
Based on real consecutive 0050 ETF returns (2003–2025). Past performance does not guarantee future results.
Source: Public market data
Uses real consecutive historical returns. Click a year above to choose a start year, or click "Random Start Year" for a random selection.
Lump sum or dollar-cost averaging — which is better?
Historically, markets trend upward, so lump-sum investing usually has higher expected returns; DCA spreads out timing risk and is psychologically easier to stick with. Which is "better" depends on your risk tolerance and cash situation.
How does this calculator compare the two?
Using real 0050 ETF returns (2003–2025), it simulates the same money invested all at once versus in regular installments over the same period, showing the gap between the two strategies in a real market.
You know how to invest. When can you stop?
Add your income, expenses and assets — three minutes to a full financial independence forecast.
Calculate My FIRE DateFree to start — no credit card required