Dollar-Cost Averaging (DCA) ndi mchitidwe wosonkhanitsa chuma mwadongosolo pomwe wogwiritsa ntchito amagawira jekeseni wamkulu motsatira nthawi yokhazikika m'malo mochita malonda amodzi. Kugawika kwa makinawa kumachepetsetsa kuopsa kwa nthawi yolowa m'malo mwa kusalaza mtengo wa chinthu chilichonse pa nthawi yayitali.
Mukamagwira ntchito zamsika mwadongosolo panthawi yotsika, magawano ake amapeza ndalama zambiri kapena gawo lalikulu. Mikhalidwe yayikulu ikabwerera, mayunitsi osonkhanitsidwawo amapindula kwambiri ndi mathamangitsidwe apawiri. Zolemba izi ndizofanana ndendende pogwiritsa ntchito ma fomula apadera a annuity ku projekiti yoyembekezeredwa kuwerengera.