Question 1

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

Accepted Answer

Dollar cost averaging $100 per week into HRTG for 5 years (261 purchases) would have resulted in a total investment of $26,100 and a current value of $151,757, a return of 481%. Using Enhanced DCA, which concentrates buys during dips, the same $100/week base deployed $38,078 and grew to $344,647 — a 805% return.

Question 2

What is the best DCA strategy for HRTG?

Accepted Answer

Backtesting shows Enhanced DCA — which increases buy amounts during market dips and reduces or skips buys when HRTG is overextended — outperformed standard weekly DCA by 324% over 5 years. The enhanced strategy achieved a 805% return vs 481% for standard DCA.

Question 3

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

Accepted Answer

Investing $100 per week into HRTG for 3 years (157 purchases, $15,700 total) would have grown to $41,650 — a 165% return. Enhanced DCA over the same period returned 229%.

Question 4

Is DCA into HRTG worth it?

Accepted Answer

Based on a 5-year backtest, DCA into HRTG returned 481% with standard weekly purchases. An intelligent DCA strategy that buys more during dips returned 805% over the same period — a 324% gain in return, while deploying more capital.

Question 5

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

Accepted Answer

Dollar cost averaging $100/week into HRTG for 5 years would result in approximately 4357 shares with a standard DCA approach (avg entry $6). Enhanced DCA targeting dips results in 9895 shares at an average entry of $4.

Question 6

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

Accepted Answer

Enhanced DCA into HRTG returned 805% over the past 5 years. The S&P 500 (SPY) returned approximately 53% over the same period. HRTG's performance reflects its volatility as a financials asset. Enhanced DCA outperformed standard DCA by 324%, demonstrating the value of intelligent entry timing during market dips.

Question 7

What is the risk of dollar cost averaging into HRTG?

Accepted Answer

Past backtest performance does not guarantee future results. HRTG 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 Heritage Insurance Holdings, Inc. dollar cost averaging strategy?

Accepted Answer

Standard DCA invests a fixed amount ($100/week or $433/month) into HRTG 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 324% higher returns than standard DCA while deploying more total capital into HRTG.

Period	Standard DCA	Enhanced DCA	Alpha
1-Year	28%	49%	+21%
3-Year	165%	229%	+63%
5-Year	481%	805%	+324%

HRTG DCA Backtest — Dollar Cost Averaging Results

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Dollar cost averaging into HRTG — backtest results

Buying the dips for Heritage Insurance Holdings, Inc.