Featured scenarios
Investing scenarios based on historical data, verified by the operator. We did not cherry-pick only the good results. Risk and loss duration are shown together.
All results are based on historical data and do not guarantee future returns.
Showing 48 of 48 scenarios
S&P 500 ETF, 20 Years of Recurring Investing
What if you had invested about $220 per month in an S&P 500 ETF starting in 2006?
Annualized return of about 8.6% (XIRR)
Total invested
$53k
Final value
$284k
Cumulative return
+433%
Annualized (XIRR)
8.6% / yr
Maximum drawdown
-50.9%
Longest loss
36 months
Peak recovery
54 months
This is the result of continuing monthly investing for 20 years while enduring several large crashes such as the 2008 financial crisis and the 2020 COVID crash. The maximum drawdown during the period was -50.9%, and it took 54 months to recover the previous peak.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
KOSPI 200 ETF, 15 Years of Recurring Investing
What if you had invested about $220 per month in a KOSPI 200 ETF starting in 2011?
Annualized return of about 4.1% (XIRR)
Total invested
$40k
Final value
$75k
Cumulative return
+87%
Annualized (XIRR)
4.1% / yr
Maximum drawdown
-31.2%
Longest loss
28 months
Peak recovery
32 months
This case started investing just after the financial-crisis low. It recorded a lower return than the S&P 500. The Korean market has had many long sideways periods, so the long-term compounding effect appears relatively muted.
※ Based on adjusted close (dividends and splits reflected)
Samsung Electronics, 10 Years of Recurring Investing
What if you had invested about $370 per month in Samsung Electronics starting in 2016?
Annualized return of about 3.8% (XIRR)
⚠️ This result is based on today's representative asset. Survivorship bias is present.
Total invested
$44k
Final value
$64k
Cumulative return
+45%
Annualized (XIRR)
3.8% / yr
Maximum drawdown
-42.1%
Longest loss
30 months
Peak recovery
38 months
This calculates what would have happened had you invested in the past in the company that is currently Korea's largest by market capitalization. Calculating past returns based on a company that is a large cap today can make results look better than they really were (survivorship bias).
※ Based on adjusted close (dividends and splits reflected); survivorship bias present
Bitcoin, 5 Years of Recurring Investing
What if you had invested about $37 per week in Bitcoin starting in 2021?
Annualized return of about 36.4% (XIRR), but MDD of -80.1%
Total invested
$9.6k
Final value
$46k
Cumulative return
+377%
Annualized (XIRR)
36.4% / yr
Maximum drawdown
-80.1%
Longest loss
24 months
Peak recovery
30 months
Bitcoin recorded a high return, but its maximum drawdown reached -80.1%. This means you would have had to endure a period in which the asset's value fell 80% from its peak. There is no guarantee that past returns will repeat in the future.
※ Based on adjusted close (dividends and splits reflected); high-volatility asset; exchange fees not reflected
Started Investing Right Before the Financial Crisis → Today
What if you had started investing about $220 per month at the S&P 500 peak in October 2007?
+356% after 19 years, 54 months to recover
Total invested
$51k
Final value
$231k
Cumulative return
+356%
Annualized (XIRR)
9.2% / yr
Maximum drawdown
-51.3%
Longest loss
36 months
Peak recovery
54 months
Even if you had started investing just before the financial crisis, one of the worst historical entry points, continuing to invest for about 19 years produced a high return. However, you had to endure a -51.3% loss early on and a 54-month recovery period.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Staying Invested Through the COVID Crash
What if you had kept investing about $220 per month from just before the COVID crash in February 2020?
+38% after 3 years vs. +12% if you stopped after the crash
Total invested
$8k
Final value
$11k
Cumulative return
+38%
Annualized (XIRR)
13.4% / yr
Maximum drawdown
-34.2%
Longest loss
5 months
Peak recovery
5 months
This compares the difference between continuing to invest through the COVID crash (+38%) and stopping investing (+12%). Recovering quickly from the short-term crash was the key benefit of staying invested.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Nasdaq 100 ETF, 10 Years
What if you had invested about $220 per month in a Nasdaq 100 ETF (QQQ) starting in 2014?
Annualized return of about 18%
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
US Total-Market ETF, 15 Years
What if you had invested about $220 per month in VTI starting right after the 2009 financial crisis?
The power of starting right after the financial crisis
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Gold (GLD), 20 Years of Recurring Investing
What if you had invested about $220 per month in a gold ETF starting in 2004?
Long-term performance of an inflation-hedge asset
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Lump-Sum Nasdaq Investment at the Dotcom Bubble Peak
If you had invested about $7,400 at the Nasdaq peak in March 2000, when would it have recovered?
15 years to fully recover
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Lump-Sum S&P 500 Investment Just Before Black Monday
What if you had invested about $7,400 just before Black Monday in October 1987?
Recovered within 1 year, tripled after 10 years
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Note: SPY was listed in January 1993. The earlier period (1987–1993) is a hypothetical simulation based on S&P 500 index returns.
Recurring Nasdaq Investing From the 2021 Peak
What if you had invested about $220 per month starting at the Nasdaq peak in November 2021?
Current status of recurring investing in a down market
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Continuing Recurring S&P 500 Investing Through the Financial Crisis
What if you had invested about $220 per month starting in 2007 and never stopped, even through the financial-crisis crash?
The power of shares steadily accumulated after the crash
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Recurring S&P 500 Investing Through the COVID Crash
What if you had invested about $220 per month starting just before the COVID crash in February 2020?
Fast recovery after passing through the crash
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
S&P 500 vs. Nasdaq 100, 10-Year Comparison
What if you had made recurring investments of the same amount in the S&P 500 and the Nasdaq 100 over the same period?
The choice between diversification and concentration
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Stocks vs. Bonds vs. Gold: Diversified Investing
What if you had invested the same amount in each of SPY (stocks), TLT (bonds), and GLD (gold)?
The effect of asset allocation
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Microsoft, 10 Years of Recurring Investing
What if you had invested about $220 per month in MSFT starting during its 2014 cloud pivot?
Compounding riding the cloud revolution
⚠️ This result is based on today's representative asset. Survivorship bias is present.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected; survivorship bias present
Nvidia, 5 Years of Recurring Investing
What if you had invested about $220 per month in NVDA starting just before the AI boom in 2019?
Benefiting from the AI era
⚠️ This result is based on today's representative asset. Survivorship bias is present.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected; survivorship bias present
Berkshire Hathaway, 20 Years of Recurring Investing
What if you had invested about $220 per month in BRK-B starting in 2004?
Alongside Warren Buffett
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
US REIT ETF, 15 Years of Recurring Investing
What if you had invested about $220 per month in VNQ (US real-estate REIT ETF) starting in 2009?
Compounding of dividend-plus-growth REITs
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
KODEX 200, 20 Years of Recurring Investing
What if you had invested about $220 per month in KODEX 200 starting in 2004?
The truth about 20 years of the KOSPI
※ Based on adjusted close (dividends and splits reflected)
Samsung Electronics, 20 Years of Recurring Investing
What if you had invested about $220 per month in Samsung Electronics starting in 2004?
Beyond the semiconductor cycle
⚠️ This result is based on today's representative asset. Survivorship bias is present.
※ Based on adjusted close (dividends and splits reflected); survivorship bias present
Lump-Sum at the Nasdaq Peak, Held for 10 Years
What if you had put in about $7,400 at the historic Nasdaq peak on March 10, 2000, and held on for 10 years?
Principal still not recovered even after 10 years
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Lump-Sum at the KOSPI Peak (Just Before the Financial Crisis)
What if you had invested about $7,400 at the historic KOSPI peak on October 31, 2007?
The Korean market peak just before the financial crisis
※ Based on adjusted close (dividends and splits reflected)
Lump-Sum Bitcoin at the 2021 Peak
What if you had invested about $7,400 at Bitcoin's historic peak on November 8, 2021?
The reality of buying crypto at the peak
※ Based on adjusted close (dividends and splits reflected); exchange fees not reflected; high-volatility asset
Lump-Sum Bond Investment Just Before Rate Hikes
What if you had invested about $7,400 in a long-term bond ETF (TLT) at the rate low in August 2020?
Even bonds can be cut in half
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Continuing Recurring Nasdaq Investing Through the Dotcom Collapse
What if you had invested about $220 per month in QQQ for 10 years starting right after the March 2000 collapse began?
What is the result after 10 years?
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Continuing Recurring Investing Through the 2022 Rate Shock
What if you had invested about $220 per month in QQQ starting just before the January 2022 downturn began?
Where an investor who passed through the down market stands now
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Recurring US Total-Market Investing Through the Oil Shock and Stagflation
What if you had invested about $220 per month in the US total market (VTI proxy) for 10 years starting right after the 1973 oil shock?
Compounding that overcame even stagflation
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Note: VTI was listed in May 2001. The earlier period (1973–2001) is a hypothetical simulation based on US total-market index returns.
Korea vs. US ETF Comparison
What if you had invested about $220 per month in each of KODEX 200 and SPY starting in 2010?
The long-term performance gap between domestic and overseas
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Growth Stocks vs. Value Stocks Comparison
What if you had invested about $220 per month in each of QQQ (growth) and VTV (value) starting in 2010?
Growth vs. value: which had the edge
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Gold vs. Bitcoin Comparison
What if you had invested about $220 per month in each of GLD (gold) and BTC-USD (Bitcoin) starting in 2015?
Traditional safe-haven asset vs. digital asset
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected; BTC is a high-volatility asset
Dividend Stocks vs. Growth Stocks Comparison
What if you had invested about $220 per month in each of VYM (dividend) and QQQ (growth) starting in 2014?
Dividend income vs. capital gains — which after 10 years?
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Nasdaq 100 ETF, 15 Years of Recurring Investing
What if you had invested about $220 per month in a Nasdaq 100 ETF (QQQ) starting in 2011?
Annualized return of about 16% (estimate), MDD -35%
Total invested
$40k
Final value
$378k
Cumulative return
+844%
Annualized (XIRR)
16.1% / yr (estimate)
Maximum drawdown
-35.1%
Longest loss
26 months
Peak recovery
28 months
This is the estimated result of recurring purchases of the Nasdaq 100 over 15 years. You had to endure a drawdown of more than -35% in the 2022 down market, but the subsequent recovery produced a high cumulative return. Figures are estimates and may differ from actual calculation results.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
US Dividend-Growth ETF, 10 Years of Recurring Investing
What if you had invested about $220 per month in a dividend-growth ETF (SCHD) starting in 2016, with dividends reinvested?
Includes the compounding effect of dividend reinvestment (estimate)
Total invested
$27k
Final value
$46k
Cumulative return
+72%
Annualized (XIRR)
7.8% / yr (estimate)
Maximum drawdown
-28.4%
Longest loss
18 months
Peak recovery
22 months
This is the estimated result of making recurring purchases of a dividend-growth ETF for 10 years while reinvesting dividends. The return is lower than growth stocks, but dividend income acts as a cushion during market declines. Figures are estimates and may differ from actual calculation results.
※ Based on adjusted close (dividends, splits, and dividend reinvestment reflected); FX effect not reflected. Figures are estimates.
Gold ETF, 10 Years of Recurring Investing
What if you had invested about $150 per month in a gold ETF (GLD) starting in 2016, from an inflation-hedge perspective?
10-year performance of an inflation-hedge asset (estimate)
Total invested
$18k
Final value
$33k
Cumulative return
+88%
Annualized (XIRR)
7.2% / yr (estimate)
Maximum drawdown
-18.9%
Longest loss
20 months
Peak recovery
24 months
Gold has a lower return than stocks but a smaller maximum drawdown, so it serves as a volatility cushion. Its price rose sharply during the 2020–2022 inflation period. Figures are estimates and may differ from actual calculation results.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
Ethereum, 3 Years of Recurring Investing
What if you had invested about $37 per week in Ethereum (ETH) starting in 2022? A high-volatility asset.
Result of dollar-cost averaging amid high volatility (estimate), MDD over -70%
Total invested
$5.8k
Final value
$8.1k
Cumulative return
+41%
Annualized (XIRR)
12.5% / yr (estimate)
Maximum drawdown
-72.3%
Longest loss
18 months
Peak recovery
22 months
Ethereum is more volatile than Bitcoin, and its maximum drawdown exceeded -72%. Dollar-cost averaging lowered the average cost, but enduring a drawdown of this magnitude psychologically is extremely difficult. Figures are estimates.
※ Based on adjusted close; exchange fees not reflected; high-volatility asset. Figures are estimates.
Korean Bond ETF, 10 Years of Recurring Investing
What if you had invested about $150 per month in a Korean government-bond ETF starting in 2016? A safe-asset baseline.
The actual long-term return of a safe asset (estimate)
Total invested
$18k
Final value
$21k
Cumulative return
+17%
Annualized (XIRR)
1.6% / yr (estimate)
Maximum drawdown
-12.3%
Longest loss
14 months
Peak recovery
18 months
The Korean government-bond ETF is a safe asset, but the 2022 rate-hike shock produced a loss period. Its annual return is in the 1% range, which may fall short of the inflation rate. Figures are estimates.
※ Based on adjusted close (dividends and splits reflected). Figures are estimates.
Recurring Nasdaq Investing Just Before the Dotcom Bubble
What if you had started investing about $220 per month for 15 years at the Nasdaq peak in March 2000?
A 15-year recovery — the power of steady recurring investing (estimate)
Total invested
$40k
Final value
$53k
Cumulative return
+33%
Annualized (XIRR)
2.0% / yr (estimate)
Maximum drawdown
-81.4%
Longest loss
72 months
Peak recovery
84 months
Even if you had started recurring investing at the dotcom bubble peak, continuing for 15 years ultimately produced a profit. However, a maximum drawdown of -81% and a 72-month (6-year) loss period are extremely hard to endure. Figures are estimates.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
Recurring Japanese-Stock Investing Just Before the Japan Bubble
What if you had started investing about $220 per month at the historic peak of the Japanese market in late 1989?
The lost 30 years — an extreme case of buying at the peak (estimate)
Total invested
$83k
Final value
$73k
Cumulative return
-12%
Annualized (XIRR)
-0.4% / yr (estimate)
Maximum drawdown
-65.2%
Longest loss
180 months
Peak recovery
Not yet recovered
The collapse of the Japanese bubble is a leading example showing that even long-term investing can result in a loss. Even after 31 years of recurring investing, the value stayed below the principal. Not all assets trend upward over the long run. Figures are estimates.
※ Based on adjusted close (EWJ ETF basis, FX effect not reflected). EWJ was listed in 1996; the earlier period is a hypothetical simulation based on Japan's TOPIX. Figures are estimates.
Recurring Investing From the 2021 Bitcoin Peak
What if you had started investing about $37 per week at Bitcoin's all-time high in November 2021?
Crypto DCA from the peak — the current scorecard (estimate)
Total invested
$9k
Final value
$21k
Cumulative return
+130%
Annualized (XIRR)
22.1% / yr (estimate)
Maximum drawdown
-76.5%
Longest loss
24 months
Peak recovery
30 months
Even if you started at the peak, buying periodically lowers the average cost, so a profit appears after recovery. However, enduring a -76% drawdown is the extreme difficulty specific to Bitcoin. Figures are estimates.
※ Based on adjusted close; exchange fees not reflected; high-volatility asset. Figures are estimates.
Concentrated S&P 500 Buying During the COVID Crash
What if you had concentrated about $370 per month into the S&P 500 for 1 year starting when the crash began in February 2020?
Result of 1 year of concentrated buying during the crash (estimate)
Total invested
$4.4k
Final value
$6.7k
Cumulative return
+52%
Annualized (XIRR)
47.5% / yr (estimate)
Maximum drawdown
-34.1%
Longest loss
2 months
Peak recovery
5 months
This is the estimated result of concentrated buying for 1 year right after the COVID crash. As the S&P 500 recovered quickly, it produced a high return in a short period. There is no guarantee that every crisis will recover this quickly afterward. Figures are estimates.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
Concentrated Buying at the Financial-Crisis Low
What if you had concentrated about $220 per month into the S&P 500 for 2 years starting at the financial-crisis low in March 2009?
Result of 2 years of buying at the financial-crisis low (estimate)
Total invested
$5.3k
Final value
$8.5k
Cumulative return
+60%
Annualized (XIRR)
27.3% / yr (estimate)
Maximum drawdown
-15.8%
Longest loss
6 months
Peak recovery
8 months
This is the estimated result of buying for 2 years right after the financial-crisis low. Averaging in at the low can lead to high returns during the subsequent rebound. However, knowing the exact low is only possible in hindsight. Figures are estimates.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
Recurring Investing Right After the Dotcom Bubble Collapse
What if you had invested about $220 per month in the S&P 500 starting at the dotcom-bubble low in October 2002?
Result of 5 years of investing right after the dotcom collapse (estimate)
Total invested
$13k
Final value
$22k
Cumulative return
+64%
Annualized (XIRR)
10.7% / yr (estimate)
Maximum drawdown
-7.2%
Longest loss
3 months
Peak recovery
4 months
Had you started recurring investing at the low right after the dotcom bubble collapsed, you would have recorded a solid return over 5 years. The year 2007 was a time when the financial crisis was about to strike, but this 5-year window was a bull market. Figures are estimates.
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected. Figures are estimates.
S&P 500 vs. Nasdaq 100 vs. Dow Jones, 10 Years
What if you had invested about $220 per month in each of SPY, QQQ, and DIA starting in 2014?
Diversification vs. concentration vs. tradition — 10-year performance comparison
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
US Stocks vs. Gold vs. Bonds, 15-Year Comparison
What if you had invested about $220 per month in each of SPY (US stocks), GLD (gold), and TLT (bonds) starting in 2009?
15-year performance comparison of stocks, gold, and bonds
※ Based on adjusted close (dividends and splits reflected); FX effect not reflected
Korea vs. US vs. Global ETF Comparison
What if you had invested about $220 per month in each of KODEX 200 (Korea), SPY (US), and VT (global) starting in 2011?
A three-way long-term performance contest: domestic, US, and global
※ Based on adjusted close (dividends and splits reflected); KODEX 200 FX effect not reflected; SPY and VT are on a USD basis
S&P 500 vs. Bitcoin, 5-Year Comparison
What if you had invested about $150 per month in each of SPY (S&P 500) and BTC-USD (Bitcoin) starting in 2019?
5-year performance of a traditional asset vs. a digital asset
※ Based on adjusted close; BTC exchange fees not reflected; high-volatility asset; FX effect not reflected
How scenarios are selected
Featured scenarios are not investment advice. They were selected to show what long-term investing actually looks like. To avoid showing only the good results, we included worst-case starting points and crash-period scenarios. All results are based on historical data and do not predict future outcomes.
📋 Results are based on historical data; past returns do not guarantee future returns.
📋 This service is provided for educational purposes to help you understand investing, not as investment advice.