Real Binance daily closes · updated 2026-08-25
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 | 100 | $10,000 | $15,605 | +56.1% | -32.8% | −82.1% |
| 2019 | 92 | $9,200 | $14,926 | +62.2% | +75.1% | −81.7% |
| 2020 | 80 | $8,000 | $12,020 | +50.3% | +338.9% | −77.9% |
| 2021 | 68 | $6,800 | $8,574 | +26.1% | +50.5% | −68.1% |
| 2022 | 56 | $5,600 | $7,801 | +39.3% | -28.1% | −67.5% |
| 2023 | 44 | $4,400 | $6,077 | +38.1% | +173.8% | −65.6% |
| 2024 | 32 | $3,200 | $3,755 | +17.3% | +50.6% | −57.9% |
| 2025 | 20 | $2,000 | $1,656 | -17.2% | -53.3% | −31.2% |
| 2026 | 8 | $800 | $878 | +9.8% | -4.7% | −6.6% |
“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.