Steady buying, scored honestly
A dollar-cost averaging test for Citigroup (C): a fixed buy on a fixed schedule at real daily closes, drawn against Bitcoin and against the same dollars uninvested. Change the rhythm, the amount or the start date, or add any other asset the site tracks; the full calculator is this same page with nothing picked for you.
Buying $100 of Citigroup every week for the past year put in $5,300 and ended at $6,354, 1.20x the money, a money-weighted +42.3% a year.
$100.00 every week from 19 Aug 2025 to 19 Aug 2026 · 53 buys · $5,300 in
First BTC buy: $100.00 at $112,900.00 per BTC on 20 Aug 2025, about 0.000886 BTC
Buys execute at each day’s close · crypto and metal data from CoinGecko, equity closes via Nasdaq, through 19 Aug 2026 · nominal USD, not investment advice · stock buys landing on a closed market fill at the prior close, and stock series are price only, without dividends
XIRR is the money-weighted annual rate of this exact schedule: each buy counts for how long it was actually held, which is the honest way to score periodic saving. Sharpe and Sortino describe the asset’s own daily swings over the same window, regardless of the schedule (Sortino only penalizes the downward ones), annualized on each market’s own calendar.
| Asset | Value | Multiple | XIRR | Sharpe | Sortino |
|---|---|---|---|---|---|
| Citigroup | $6,354 | 1.20x | +42.3% | 1.48 | 2.20 |
| Bitcoin | $4,552 | 0.86x | -26.8% | -0.92 | -1.25 |