What if you invested monthly in Walmart for 20 years?
See what contributing 300,000 KRW a month for 20 years into Walmart, the world's largest retailer, would have looked like. A defensive retail stock selling everyday essentials, but as a single stock its maximum drawdown, loss period, recovery time, and concentration risk must be checked together.
⚠️ This asset is an individual stock chosen as of today, so past returns can look better than they really were (survivorship bias).
Investment conditions
Asset · Walmart (WMT)
Method · Recurring monthly investment
Period · 2006-07-01 ~ 2026-07-01
Amount · $222 / month
As of · 2026-07-01
Key metrics
These results do not reflect taxes. Based on historical data.
Risk & recovery
As important as returns. This service does not hide maximum drawdown or loss periods.
Maximum drawdown (MDD)
-32.1%
Largest drop from peak
Longest loss period
4months
Months in loss: 9
Recovery period
9months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $53,556 → Final value $277,997 (+419.1%), Maximum drawdown (MDD) -32.1%
Why this period and asset
Walmart is the world's largest retailer, built on low-price, high-volume selling and a vast store and logistics network. Selling essentials, it is seen as relatively defensive since bargain-hunting demand can rise even in downturns. Over the 20 years from July 2006 it passed through the financial crisis, COVID, and the rate-hike era, and around 2015 it suffered a sharp correction on earnings and spending worries amid its online push and competition with Amazon. It later re-accelerated through e-commerce and logistics investment. This scenario covers the 20 years from July 2006 to July 2026.
Interpreting the result
Dollar-cost averaging invests the same amount monthly to smooth your cost. A staples-based retailer like Walmart can be relatively defensive in down markets, but when earnings and strategy worries pile up - as in 2015 - a large single-stock drawdown can still appear. On the result screen, check your ending value along with the maximum drawdown during the period, how long it stayed below your contributions, and the recovery time. The 'defensive' impression can differ from the actual drawdown, so it matters to confirm it with the numbers.
Caveats & limits
This is a simulation of a single stock - Walmart - that happens to have survived and become well known, and past performance does not guarantee future results. The fact that this one worked out says nothing about how other individual stocks will do: countless companies that listed in the same era and then failed or lagged never appear here, which is survivorship bias. A single stock carries far deeper maximum drawdowns, longer periods underwater, and concentration risk - if the business breaks down, it may never recover. Taxes (capital gains, dividends), trading fees, and the KRW/USD exchange rate are not reflected, so real returns differ. This is not a recommendation of any stock; it simply shows what already happened.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-23
- Effective trading date: 2026-07-01
- Price basis: Adjusted close (reflects dividends and stock splits)
- This asset is an individual stock chosen as of today, so past returns can look better than they really were (survivorship bias).
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
With 300,000 KRW a month for 20 years, how much do I actually invest?
You contribute 300,000 KRW each month for 20 years - about 240 installments in total. The result screen shows both your total contributions and the ending value, and what matters as much as the final figure is how far it fell and recovered along the way.
How is a single stock like Walmart different from indexing?
An index (e.g., the S&P 500) spreads risk across hundreds of companies, while a single stock concentrates it in one. When it works it can far outpace the index, but if the business stumbles the maximum drawdown is deeper and the time underwater is often longer. Always check the max drawdown, loss period, and recovery time.
Does this result include taxes, fees, and exchange rates?
No. It reflects share-price movement only; capital-gains and dividend taxes, trading fees, and the KRW/USD exchange rate are excluded. Your real brokerage return will differ from the displayed figure because of these.
Related scenarios
📋 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.
⚠️ Calculated using today's representative assets, which may differ from the market composition at the time.