PSEi DCA Simulator

The simulation uses official PSE year-end closing values from 2010 through 2025. Real DCA happens 12 times per year, not once — so the year-end snapshot will diverge slightly from a true monthly DCA. For periods with high intra-year volatility (2020 COVID crash, 2018 trade war), monthly DCA would have bought more units near the bottom than this annualized approximation captures. Treat the result as a directionally accurate scenario, not a peso-exact forecast.

Two reasons. First, year-end closes are universally cited by PSE and BSP and are easy to verify against any historical chart. Second, a 16-data-point dataset stays small enough to embed inline — your browser never has to fetch external market data, so the tool works fully offline and there's no server cost. The trade-off is intra-year precision; the upside is verifiability and speed.

Three big reasons. (1) Your fund (e.g. BPI Philippine Equity Index Fund, Sun Life Prosperity Philippine Equity Fund, FAMI Save and Learn Equity) tracks PSEi but is not PSEi — funds hold a sampling of the index and have tracking error of 0.5–1.5% annually. (2) Real fund prices include daily reinvested dividends; this tool approximates with an annual yield assumption. (3) Sales loads (front-end 0–2% on entry, back-end 1% if redeemed within a year) are not modeled. Net: most index funds underperform pure PSEi by 1.5–2.5%/year due to fees plus tracking error.

Default 1.5% is the midpoint of PH equity index fund management fees: BPI Philippine Equity Index Fund ~0.75%, Sun Life Prosperity Equity Fund ~1.5%, FAMI Save and Learn Equity ~1.5%, ATRAM Philippine Equity Smart Index Fund ~1.5%. UITF-based equity index trackers from BPI Trade and BDO Easy Investment tend to land near 1.0%. Mutual funds with active management charge 1.75–2.25%. There is no PH-listed equity ETF yet (PSEi has no equivalent of SPDR's SPY), so true ETF-low fees of 0.05–0.20% aren't available locally.

Possibly not — PSEi has been roughly flat from 2017 to 2025 (peak ~8,500 in 2017, sitting near 6,800 in 2025). A DCA starter from 2018 has likely earned 1–3% annualized in nominal pesos, which is below inflation. This is honest information: PSEi has underperformed many global indices over the last 7 years, and a diversified investor would have done better in S&P 500 or world index. Use this tool to verify before assuming PSEi-only is the path.

(1) MP2 (Pag-IBIG) — risk-free 6%+ tax-free, 5-year lock. (2) Retail Treasury Bonds — 5–6% guaranteed, 3–10 year lock. (3) UITF Balanced Fund — mix of equity + bonds, ~5–7% historical. (4) Global equity via local feeder funds (Sun Life Global Growth, BPI Global Equity) — exposure to S&P 500 + world without dealing with FX directly. (5) US stocks via Interactive Brokers / GoTrade — direct exposure with FX cost; see our US Stocks True Cost calculator.

No — the result is in nominal pesos. To get the real (inflation-adjusted) value, divide by (1 + PH average inflation rate)^years. PH inflation averaged 3.4% from 2010 to 2025. As a rough rule, a 10-year nominal gain of 50% becomes ~12% real after subtracting compound inflation. For honest planning, always think in real returns.

No. Pure browser math. Your contribution amount and year selections never leave your device.