What if I had invested $100 a month in Ferrari
Investing a fixed amount every month, whatever the price: that is dollar-cost averaging. Here is what this strategy would have done in Ferrari, depending on the year you started.
Over nearly 11 years since January 2016, Ferrari, a stock listed in Milan and quoted in euros, multiplied its value by 11 in dollar terms: an annualized return of +24.6%. For a monthly investor, 89% of the 130 monthly purchases made since January 2016 were below today's price.
Data: Yahoo Finance monthly closing prices, up to date as of (latest update November 5, 2026) MethodAuthor: Yann Avondo
If I had invested $100 every month in Ferrari since January 2017, today I would have $27,199
Over the same period
Worst moment: −33.1% between August 2024 and March 2026. To get this result, you had to hold on without selling.
Ferrari at a glance
Ferrari, listed separately from Fiat since 2016, is valued more like a luxury house than a carmaker, with deliberately limited output and very high margins.
Since its August 2024 peak, Ferrari has given up as much as 33.1% in dollar terms (low in March 2026) without getting back to that level. Against the MSCI World, this calculator's yardstick (+11.1% a year in dollar terms over the same period), Ferrari left it far behind. Its best calendar year was 2017 (+80.4%), its worst 2022 (−16.6%); in all, 6 up years out of 9.
$100 a month in Ferrari, by start year
One contribution at the start of each month since January of the given year, valued at the latest price. Click a year for the full story.
| Start | Invested | Worth today | Multiple | Annual IRR |
|---|---|---|---|---|
| $2,300 | $2,429 | ×1.06 | +5.6% | |
| $3,500 | $3,660 | ×1.05 | +3.0% | |
| $4,700 | $5,457 | ×1.16 | +7.6% | |
| $5,900 | $7,918 | ×1.34 | +11.9% | |
| $7,100 | $10,280 | ×1.45 | +12.4% | |
| $8,300 | $13,251 | ×1.6 | +13.3% | |
| $9,500 | $16,888 | ×1.78 | +14.2% | |
| $10,700 | $21,051 | ×1.97 | +14.7% | |
| $11,900 | $27,199 | ×2.29 | +15.9% |
Lump sum or DCA in Ferrari?
Since January 2017, investing in Ferrari all at once (lump sum) multiplied the stake by ×7.35, +22.3% a year. Investing every month (DCA) multiplied the total contributions by ×2.29, an annual return (IRR) of +15.9%.
Here the lump sum did better: money invested early rode the whole rise. That is the most common outcome on an asset that goes up.
Frequently asked questions
What if I had started investing $100 a month in Ferrari in 2020?
Since January 2020, $8,300 invested in total would be worth about $13,251 today (IRR of +13.3% a year).
Is investing monthly better than investing all at once?
Historically, investing a lump sum right away returns more in most cases, because markets rise more often than they fall. But monthly investing smooths the purchase price, protects against the worst timing and matches how people actually save: from their paycheck, month after month.
How is the annual return calculated?
With spread-out contributions, the multiple of the amount invested does not tell the whole story: the last dollars had only a few months to grow. The IRR (internal rate of return) is the average annual return that, applied to each contribution from its date, produces the final value.
Compare with
Before you have regrets
What this calculation does not tell you.
Hindsight bias
Picking Nvidia or Bitcoin today means picking known winners. Back then, nothing set them apart from hundreds of assets that went nowhere or vanished.
Holding on was the real test
The result assumes you never sold, including through the drawdowns shown above. Very few investors actually do.
The broad market, no bet required
The MSCI World never makes headlines, but it does not require guessing the winner. It is the fairest yardstick for any pick.
Method: past performance, computed from split-adjusted monthly closing prices (intra-month lows are smoothed out). Converted at each month’s exchange rate; no fees, no taxes. The MSCI World benchmark is the price index, excluding dividends. Sources: Yahoo Finance (prices, exchange rates, US Treasury bills), Eurostat (inflation), published regulated rates (Livret A). Not investment advice. NokxiHub.