Question 1

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

Accepted Answer

Dollar cost averaging $100 per week into PFS for 5 years (261 purchases) would have resulted in a total investment of $26,100 and a current value of $29,919, a return of 15%. Using Enhanced DCA, which concentrates buys during dips, the same $100/week base deployed $40,712 and grew to $51,351 — a 26% return.

Question 2

What is the best DCA strategy for PFS?

Accepted Answer

Backtesting shows Enhanced DCA — which increases buy amounts during market dips and reduces or skips buys when PFS is overextended — outperformed standard weekly DCA by 12% over 5 years. The enhanced strategy achieved a 26% return vs 15% for standard DCA.

Question 3

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

Accepted Answer

Investing $100 per week into PFS for 3 years (157 purchases, $15,700 total) would have grown to $18,980 — a 21% return. Enhanced DCA over the same period returned 35%.

Question 4

Is DCA into PFS worth it?

Accepted Answer

Based on a 5-year backtest, DCA into PFS returned 15% with standard weekly purchases. An intelligent DCA strategy that buys more during dips returned 26% over the same period — a 12% gain in return, while deploying more capital.

Question 5

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

Accepted Answer

Dollar cost averaging $100/week into PFS for 5 years would result in approximately 1354 shares with a standard DCA approach (avg entry $19). Enhanced DCA targeting dips results in 2325 shares at an average entry of $18.

Question 6

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

Accepted Answer

Enhanced DCA into PFS returned 26% over the past 5 years. The S&P 500 (SPY) returned approximately 53% over the same period. PFS's performance reflects its volatility as a financials asset. Enhanced DCA outperformed standard DCA by 12%, demonstrating the value of intelligent entry timing during market dips.

Question 7

What is the risk of dollar cost averaging into PFS?

Accepted Answer

Past backtest performance does not guarantee future results. PFS 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 Provident Financial Services, Inc. dollar cost averaging strategy?

Accepted Answer

Standard DCA invests a fixed amount ($100/week or $433/month) into PFS 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 12% higher returns than standard DCA while deploying more total capital into PFS.

PFS DCA Backtest — Dollar Cost Averaging Results

PFS DCA Results: Key Findings

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Dollar cost averaging into PFS — backtest results

Buying the dips for Provident Financial Services, Inc.

PFS DCA backtest results: standard vs enhanced
Period	Standard DCA	Enhanced DCA	Alpha
1-Year	2%	6%	+4%
3-Year	21%	35%	+14%
5-Year	15%	26%	+12%