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?
What does this scenario show?
Investment period · Jul 2006 – Jul 2026 (20 years)
Investment method · Recurring investment of about $220 per month
Target asset · TIGER US S&P 500 ETF (360750)
Annualized return of about 8.6% (XIRR)
Key results
Values verified by the operator against past data.
Sum of principal contributed during the investment period
Valuation at the end date
Personal return that reflects your investment timing
Risk & recovery metrics
These are the declines you actually had to endure during long-term investing. We do not hide this part.
Maximum drawdown (MDD)
-50.9%
Largest decline from the peak
Longest loss duration
36 months
Longest continuous stretch below principal
Recovery period
54 months
Time to regain the previous peak
What if you had stopped partway?
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.
If you stop investing during a decline, you lose both the chance to lower your average purchase price and the gains from the subsequent rebound. That said, there is no guarantee this result repeats for every asset and every period.
Data sources and limitations
- Based on adjusted close (dividends and splits reflected); FX effect not reflected
- Based on adjusted close (dividends and splits reflected); unless otherwise noted, the exchange rate (FX effect) is not reflected.
- Trading fees and taxes are not reflected. Your actual after-tax return is lower than this.
- This is a result based on past data and does not guarantee future returns.
📋 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.