Question 1

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

Accepted Answer

Dollar cost averaging $100 per week into NIC for 5 years (261 purchases) would have resulted in a total investment of $26,100 and a current value of $45,871, a return of 76%. Using Enhanced DCA, which concentrates buys during dips, the same $100/week base deployed $29,006 and grew to $59,980 — a 107% return.

Question 2

What is the best DCA strategy for NIC?

Accepted Answer

Backtesting shows Enhanced DCA — which increases buy amounts during market dips and reduces or skips buys when NIC is overextended — outperformed standard weekly DCA by 31% over 5 years. The enhanced strategy achieved a 107% return vs 76% for standard DCA.

Question 3

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

Accepted Answer

Investing $100 per week into NIC for 3 years (157 purchases, $15,700 total) would have grown to $23,600 — a 50% return. Enhanced DCA over the same period returned 61%.

Question 4

Is DCA into NIC worth it?

Accepted Answer

Based on a 5-year backtest, DCA into NIC returned 76% with standard weekly purchases. An intelligent DCA strategy that buys more during dips returned 107% over the same period — a 31% gain in return, while deploying more capital.

Question 5

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

Accepted Answer

Dollar cost averaging $100/week into NIC for 5 years would result in approximately 282 shares with a standard DCA approach (avg entry $93). Enhanced DCA targeting dips results in 368 shares at an average entry of $79.

Question 6

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

Accepted Answer

Enhanced DCA into NIC returned 107% over the past 5 years. The S&P 500 (SPY) returned approximately 53% over the same period. NIC's performance reflects its volatility as a financials asset. Enhanced DCA outperformed standard DCA by 31%, demonstrating the value of intelligent entry timing during market dips.

Question 7

What is the risk of dollar cost averaging into NIC?

Accepted Answer

Past backtest performance does not guarantee future results. NIC 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 Nicolet Bankshares, Inc. dollar cost averaging strategy?

Accepted Answer

Standard DCA invests a fixed amount ($100/week or $433/month) into NIC 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 31% higher returns than standard DCA while deploying more total capital into NIC.

Period	Standard DCA	Enhanced DCA	Alpha
1-Year	11%	23%	+12%
3-Year	50%	61%	+11%
5-Year	76%	107%	+31%

NIC DCA Backtest — Dollar Cost Averaging Results

NIC DCA Results: Key Findings

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Dollar cost averaging into NIC — backtest results

Buying the dips for Nicolet Bankshares, Inc.