Real Binance daily closes · updated 2026-07-11
What if I'd DCA'd into Stellar?
Every number below is computed from real XLM/USDT daily closes on Binance — no simulations, no cherry-picked windows. Buys happen at the close of the first trading day of each month (or each Monday for weekly plans); the final valuation uses the latest close, and today is never a purchase.
$100 per month into Stellar, by start year
| Since | Buys | Invested | Worth today | Return | Lump sum | Max drawdown |
|---|---|---|---|---|---|---|
| 2018 | 99 | $9,900 | $14,990 | +51.4% | -34.9% | −82.1% |
| 2019 | 91 | $9,100 | $14,333 | +57.5% | +69.5% | −81.7% |
| 2020 | 79 | $7,900 | $11,521 | +45.8% | +324.8% | −77.9% |
| 2021 | 67 | $6,700 | $8,185 | +22.2% | +45.7% | −68.1% |
| 2022 | 55 | $5,500 | $7,437 | +35.2% | -30.4% | −67.5% |
| 2023 | 43 | $4,300 | $5,769 | +34.2% | +165.0% | −65.6% |
| 2024 | 31 | $3,100 | $3,521 | +13.6% | +45.8% | −57.9% |
| 2025 | 19 | $1,900 | $1,490 | -21.6% | -54.8% | −31.2% |
| 2026 | 7 | $700 | $738 | +5.4% | -7.8% | −8.8% |
“Lump sum” is the same total invested in one buy at the first purchase date. Max drawdown is the worst peak-to-trough of the portfolio's value, sampled at purchase dates.
Run your own plan
What this page is not
DCA is not a magic edge — in markets that mostly went up, a lump sum usually ends higher, and the table above says so where it's true. What DCA buys is a smaller worst case and a plan a human can actually follow. Both are still passive plans with no exit rule: if you want to compare them against a strategy that defines when to sell, backtest one on the same market.
DCA other coins
Educational information computed from historical exchange data; not investment advice. Past performance does not guarantee future results. Fees and slippage are not included: real-world DCA results would be slightly lower.