Question 1

How much would I have if I DCA'd $100/week into CUBI for 5 years?

Accepted Answer

Dollar cost averaging $100 per week into CUBI for 5 years (261 purchases) would have resulted in a total investment of $26,100 and a current value of $42,942, a return of 65%. Using Enhanced DCA, which concentrates buys during dips, the same $100/week base deployed $38,583 and grew to $78,735 — a 104% return.

Question 2

What is the best DCA strategy for CUBI?

Accepted Answer

Backtesting shows Enhanced DCA — which increases buy amounts during market dips and reduces or skips buys when CUBI is overextended — outperformed standard weekly DCA by 40% over 5 years. The enhanced strategy achieved a 104% return vs 65% for standard DCA.

Question 3

What would $100/week into CUBI be worth after 3 years?

Accepted Answer

Investing $100 per week into CUBI for 3 years (157 purchases, $15,700 total) would have grown to $20,460 — a 30% return. Enhanced DCA over the same period returned 46%.

Question 4

Is DCA into CUBI worth it?

Accepted Answer

Based on a 5-year backtest, DCA into CUBI returned 65% with standard weekly purchases. An intelligent DCA strategy that buys more during dips returned 104% over the same period — a 40% gain in return, while deploying more capital.

Question 5

How many shares of CUBI would I have after DCA for 5 years?

Accepted Answer

Dollar cost averaging $100/week into CUBI for 5 years would result in approximately 580 shares with a standard DCA approach (avg entry $45). Enhanced DCA targeting dips results in 1063 shares at an average entry of $36.

Question 6

How does CUBI DCA compare to the S&P 500?

Accepted Answer

Enhanced DCA into CUBI returned 104% over the past 5 years. The S&P 500 (SPY) returned approximately 53% over the same period. CUBI's performance reflects its volatility as a financials asset. Enhanced DCA outperformed standard DCA by 40%, demonstrating the value of intelligent entry timing during market dips.

Question 7

What is the risk of dollar cost averaging into CUBI?

Accepted Answer

Past backtest performance does not guarantee future results. CUBI is a financials asset whose price can fall as well as rise. While DCA reduces timing risk by spreading purchases over time, losses are still possible if the price declines significantly. Always invest within your risk tolerance and consider your overall portfolio diversification.

Question 8

What is the Customers Bancorp, Inc. dollar cost averaging strategy?

Accepted Answer

Standard DCA invests a fixed amount ($100/week or $433/month) into CUBI at regular intervals. Enhanced DCA improves on this by using RSI (Relative Strength Index) signals to increase buy amounts during market dips (oversold conditions) and reduce or skip purchases when the stock is overextended. Over the 5-year backtest, this timing approach has delivered 40% higher returns than standard DCA while deploying more total capital into CUBI.

CUBI DCA Backtest — Dollar Cost Averaging Results

CUBI DCA Results: Key Findings

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Dollar cost averaging into CUBI — backtest results

Buying the dips for Customers Bancorp, Inc.

CUBI DCA backtest results: standard vs enhanced
Period	Standard DCA	Enhanced DCA	Alpha
1-Year	0%	3%	+2%
3-Year	30%	46%	+15%
5-Year	65%	104%	+40%