Question 1

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

Accepted Answer

Dollar cost averaging $100 per week into SCHD for 5 years (261 purchases) would have resulted in a total investment of $26,100 and a current value of $32,422, a return of 24%. Using Enhanced DCA, which concentrates buys during dips, the same $100/week base deployed $22,224 and grew to $28,710 — a 29% return.

Question 2

What is the best DCA strategy for SCHD?

Accepted Answer

Backtesting shows Enhanced DCA — which increases buy amounts during market dips and reduces or skips buys when SCHD is overextended — outperformed standard weekly DCA by 5% over 5 years. The enhanced strategy achieved a 29% return vs 24% for standard DCA.

Question 3

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

Accepted Answer

Investing $100 per week into SCHD for 3 years (157 purchases, $15,700 total) would have grown to $18,667 — a 19% return. Enhanced DCA over the same period returned 22%.

Question 4

Is DCA into SCHD worth it?

Accepted Answer

Based on a 5-year backtest, DCA into SCHD returned 24% with standard weekly purchases. An intelligent DCA strategy that buys more during dips returned 29% over the same period — a 5% gain in return, while deploying a similar or smaller amount of capital.

Question 5

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

Accepted Answer

Dollar cost averaging $100/week into SCHD for 5 years would result in approximately 981 shares with a standard DCA approach (avg entry $27). Enhanced DCA targeting dips results in 869 shares at an average entry of $26.

Question 6

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

Accepted Answer

Enhanced DCA into SCHD returned 29% over the past 5 years. The S&P 500 (SPY) returned approximately 53% over the same period. SCHD's performance reflects its volatility as a other asset. Enhanced DCA outperformed standard DCA by 5%, demonstrating the value of intelligent entry timing during market dips.

Question 7

What is the risk of dollar cost averaging into SCHD?

Accepted Answer

Past backtest performance does not guarantee future results. SCHD is a other 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 Schwab U.S. Dividend Equity ETF dollar cost averaging strategy?

Accepted Answer

Standard DCA invests a fixed amount ($100/week or $433/month) into SCHD 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 5% higher returns than standard DCA while deploying less total capital into SCHD.

Period	Standard DCA	Enhanced DCA	Alpha
1-Year	8%	11%	+3%
3-Year	19%	22%	+3%
5-Year	24%	29%	+5%

SCHD DCA Backtest — Dollar Cost Averaging Results

SCHD DCA Results: Key Findings

Alpha you missed while unsubscribed

Dollar cost averaging into SCHD — backtest results

Buying the dips for Schwab U.S. Dividend Equity ETF