Real Binance daily closes · updated 2026-10-09
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 | 102 | $10,200 | $15,499 | +52.0% | -34.1% | −82.1% |
| 2019 | 94 | $9,400 | $14,833 | +57.8% | +71.7% | −81.7% |
| 2020 | 82 | $8,200 | $11,984 | +46.2% | +330.3% | −77.9% |
| 2021 | 70 | $7,000 | $8,605 | +22.9% | +47.6% | −68.1% |
| 2022 | 58 | $5,800 | $7,847 | +35.3% | -29.5% | −67.5% |
| 2023 | 46 | $4,600 | $6,158 | +33.9% | +168.5% | −65.6% |
| 2024 | 34 | $3,400 | $3,881 | +14.1% | +47.7% | −57.9% |
| 2025 | 22 | $2,200 | $1,823 | -17.1% | -54.2% | −31.2% |
| 2026 | 10 | $1,000 | $1,061 | +6.1% | -6.6% | −11.0% |
“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.