Dollar Cost Averaging Template

Dollar Cost Averaging Worksheet.

The explanation is a 2 pronged approach. #1 - buy in over the next 6 months on the same day of every month assuming market is normal to increasing. #2 (on the right) is buying on the dips. If it goes down, these are the triggers to buy extra (on sale). You will need to keep eye on S&P 500 daily.
If market drops and is below your 5% on a day different from your monthly scheduled day, you would go in that day or the next and do two months of buys into fund position. Then you would skip that month of your scheduled buy.

Today's Date		Grand Total
2025-03-19 00:00:00		$872,488.00										Strategy 2 - Buying on the dips

Traditonal IRA												SP 500 on	2025-03-19 00:00:00	5,647
$825,640.00						2025-03-19 00:00:00	2025-04-19 00:00:00	2025-05-19 00:00:00	2025-06-19 00:00:00	2025-07-19 00:00:00	2025-08-19 00:00:00
					Remaining	$137,606.67	$137,606.67	$137,606.67	$137,606.67	$137,606.67	$137,606.67	5% Drop		5,364.65	Buy additional 1 month
4	Investment Co America	AIVSX	25.0%	$206,410.00	$0.33					$68,803.67	$137,606.00
1	Capital World Growth	CWGIX	25.0%	$206,410.00	$0.00	$137,607.00	$68,803.00					10% drop		5,082.30	Buy additional 2 month
3	Washington Mutual	AWSHX	25.0%	$206,410.00	$0.00				$137,607.00	$68,803.00
2	American Mutual Fund	AMRMX	25.0%	$206,410.00	$0.33		$68,803.67	$137,606.00				15% drop		4,799.95	Buy all remaining
			100.0%	$825,640.00		$137,607.00	$137,606.67	$137,606.00	$137,607.00	$137,606.67	$137,606.00

ROTH
$46,848.00						2025-03-19 00:00:00	2025-04-19 00:00:00	2025-05-19 00:00:00	2025-06-19 00:00:00	2025-07-19 00:00:00	2025-08-19 00:00:00
						$7,808.00	$7,808.00	$7,808.00	$7,808.00	$7,808.00	$7,808.00
4	Investment Co America	AIVSX	25.0%	$11,712.00	$0.00					$3,904.00	$7,808.00
1	Capital World Growth	CWGIX	25.0%	$11,712.00	$0.00	$7,808.00	$3,904.00
3	Washington Mutual	AWSHX	25.0%	$11,712.00	$0.00				$7,808.00	$3,904.00
2	American Mutual Fund	AMRMX	25.0%	$11,712.00	$0.00		$3,904.00	$7,808.00
			100.0%	$46,848.00		$7,808.00	$7,808.00	$7,808.00	$7,808.00	$7,808.00	$7,808.00


	Total			$872,488.00	$0.67	$145,415.00	$145,414.67	$145,414.00	$145,415.00	$145,414.67	$145,414.00

Only enter the fields in yellow
This spreadsheet is set up to dollar cost average in over the next 6 months.
Step 1.	Enter opening balance and today's date
	Then enter the dates of the next 5 purchases and put them on your outlook calendar to remind you.
Step 2	Enter Fund names,symbols and percentages - the total amount for each fund will autopopulate
Step 3	Assuming this is a mainly growth portfolio - enter the value of the SP500 Index on the day you started the investments.


Then begin buy buying the funds with the worst (therefore lowest relative cost) 1 year performance first.
Example: 1 year returns CWGIX 7.33%, AMRMX 8.33%. AWSHX 12.17%; AIVSX 17.77%)
Month by month repeat the purchase until all fund positions are purchased.
Call the customer before each purchase as we do not have discretion to buy without permission.
Update this sheet every month and save in customers HH file.