Professional dollar cost averaging calculator for Bitcoin, stocks, gold, and bonds. Build diversified portfolios with advanced risk metrics.
Investment period: 21 years
Stop juggling multiple calculators for different assets. Our professional multi-asset DCA calculator is the first to let you build and analyze complete portfolios with Bitcoin, S&P 500, FTSE 100, gold, and bonds in one place. Perfect for UK investors using ISA accounts or anyone serious about dollar cost averaging across multiple assets.
Dollar cost averaging (DCA) is the investment strategy of making regular fixed-amount purchases regardless of price. Our calculator is the only one that properly handles multiple assets simultaneously, showing you exactly how a £1,000/month investment performs when split between Bitcoin (30%), S&P 500 (40%), Gold (20%), and Bonds (10%).
Most DCA calculators only handle one asset at a time. That's like driving with one eye closed. Our multi-asset calculator reveals the true power of diversification: lower drawdowns, shorter recovery times, and better risk-adjusted returns. See exactly how mixing uncorrelated assets transforms your portfolio performance.
High volatility, long drawdowns, no rebalancing benefits, all eggs in one basket
Smoother returns, shorter recovery, rebalancing gains, true diversification
£20,000 annual limit, tax-free growth, FTSE 100 + UK Gilts options
Automatic buy low/sell high, 1-2% extra annual returns from rebalancing
| Asset Class | Historical Return | Current Yield | Risk Level | Liquidity |
|---|---|---|---|---|
| S&P 500 | 10-11.5% annually | Market dependent | Medium | High |
| Bitcoin | 671% avg since 2013 | Volatile | Very High | High |
| Stablecoins (USDC/USDT) | N/A | 8-14% APY | Low-Medium | High |
| Gold | 7-8% annually | 27% in 2024 | Low-Medium | Medium |
| Fed/BoE Rates | Variable | 4.0-4.5% | Low | High |
The longest time your portfolio stays below its previous peak. This is what tests your patience.
Bitcoin: 3+ years underwater, S&P 500: 6 months typical, Mixed portfolio: 1-2 years
Risk-adjusted returns accounting for periodic investments. Higher is better (>0.5 acceptable, >1 good).
Our calculator uses money-weighted returns for accurate DCA Sharpe ratios
How much your portfolio value swings. Lower is smoother but may mean lower returns.
Bitcoin: 80%+, S&P 500: 15-20%, Balanced portfolio: 30-40%
Worst peak-to-trough decline. Shows the most you could have lost historically.
Diversification typically cuts max drawdown by 30-50%
UK investors can invest £20,000 per year tax-free in ISA accounts. Our calculator helps you optimize this allowance across multiple assets, showing the dramatic difference tax-free compounding makes over time.
Our data shows that adding 10-30% Bitcoin to a traditional portfolio dramatically increases returns while the other assets cushion the volatility. This "barbell strategy" gives you crypto upside with traditional stability.
10% BTC, 60% Stocks, 30% Bonds
15% returns, 25% max drawdown
20% BTC, 50% Stocks, 20% Bonds, 10% Gold
22% returns, 40% max drawdown
30% BTC, 50% Stocks, 10% Gold, 10% Bonds
28% returns, 55% max drawdown
Nobody can consistently pick winners. Multi-asset DCA removes timing risk and emotion while capturing returns from different asset classes. Our backtests show diversified DCA portfolios have better Sharpe ratios than any single asset.
It's the longest time your portfolio stays below its previous peak value. This matters more than the depth of the drawdown because it tests your patience. Bitcoin holders waited 3+ years to recover from 2018. Can you handle that?
Our data suggests 10-20% Bitcoin allocation provides the best risk-adjusted returns for most investors. Higher allocations increase returns but also volatility and drawdown duration. Start small and increase as you get comfortable.
Absolutely. The £20,000 annual ISA allowance lets you invest £1,667/month completely tax-free. Over 20 years, the tax savings alone can be worth £50,000-100,000. Our calculator includes UK-specific assets like FTSE 100 and UK Gilts.
Quarterly or semi-annual rebalancing typically adds 1-2% annual returns by forcing you to sell high and buy low. More frequent rebalancing increases costs without much benefit. Our calculator shows the impact of different rebalancing frequencies.
Dollar cost averaging spreads investments over time, reducing timing risk and emotional decisions. While lump sum investing often yields higher returns in bull markets, DCA provides better risk-adjusted returns and helps investors stay disciplined during market volatility.
Yes! Our calculator uses real historical data from 1970 onwards (depending on asset availability). You can test how your portfolio would have performed through major market events including the dot-com bubble, 2008 financial crisis, COVID-19 crash, and crypto winters.
The Sharpe ratio measures risk-adjusted returns by comparing excess returns to volatility. A ratio above 1.0 is considered good, above 2.0 is very good. It helps you understand if higher returns are worth the additional risk. Our calculator provides accurate DCA-specific Sharpe ratios.
Stop guessing and start knowing. Our multi-asset DCA calculator gives you the complete picture: how different asset allocations perform, how long drawdowns last, and which portfolios deliver the best risk-adjusted returns. Whether you're investing £100 or £10,000 monthly, see exactly how diversification transforms your results.