Subject: Re: DCA calculator for the S&P 500
If Joe Investor had invested his $600K in August 2000 he'd have been left with $350K ten years later. (Yes, I cherry picked the dates :).

The above is not correct. If Joe had the worst timing and started with $600K in Aug. 2000, and kept adding $800/mo from his paycheck into his index ETF, he would have $634,678 in his 401K ten years later in August 2010 - that's despite the Dot Com crash and the Great Recession.

And then if he kept adding the $800/mo he could retire 9 years later in Aug. 2019 when his 401K hit $2,172,237.

You can verify the above by using the DCA calculator - https://ofdollarsanddata.com/s...