What if you invested $220 monthly in the S&P 500 for 10 years?
This shows the actual historical result of investing a fixed amount each month in an S&P 500 ETF (SPY) over 10 years starting in 2014.
Investment conditions
Asset · S&P 500 ETF (SPY) · recurring monthly purchases
Method · Recurring monthly investment
Period · 2014-07-01 ~ 2024-07-01
Amount · $222 / month
As of · 2024-07-01
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)
-33.0%
Largest drop from peak
Longest loss period
2months
Months in loss: 6
Recovery period
3months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $26,889 → Final value $56,148 (+108.8%), Maximum drawdown (MDD) -33.0%
Why this period and asset
The S&P 500 tracks 500 large U.S. companies and is the most widely used benchmark for long-term recurring investing. The 10-year window from 2014 spans the low-rate recovery, the 2018 correction, the 2020 COVID crash, and the 2022 rate-hike downturn, showing how an ordinary decade actually unfolded.
Interpreting the result
Recurring investing buys more shares when prices are low and fewer when they are high, so your average cost is spread out over time. In the metrics below, review the final value versus total invested alongside the maximum drawdown and the loss and recovery periods you would have endured.
Caveats & limits
Figures use adjusted close (dividends and splits reflected) and do not account for exchange rates, trading fees, or taxes. This is only the result of one past decade and does not guarantee the future; a different 10-year window can produce very different results.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-23
- Effective trading date: 2024-07-01
- Price basis: Cierre ajustado (refleja dividendos y desdoblamientos de acciones)
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
Are dividends included in these figures?
Yes. Because we use adjusted close, dividends and stock splits are reflected in the price. However, taxes on dividends are not reflected — figures are pre-tax.
Is the exchange rate reflected?
This result does not separate out the currency effect. In real U.S.-stock investing, USD/KRW movements would add another layer to your gains or losses.
What about trading fees and taxes?
Trading fees and taxes (capital-gains, dividend, etc.) are not reflected. In real investing, these costs would reduce your returns.
When are the monthly purchases made?
We assume a purchase on the first trading day of each month. If markets are closed, it fills at the next trading day's close.
Do past returns repeat in the future?
No. This page only shows historical data and does not predict future returns or recommend any specific investment.
Related scenarios
- What if you invested $220 monthly in the Nasdaq 100 for 10 years?
- What if you invested $220 monthly in the S&P 500 for 20 years?
- What if you invested $220 monthly in gold (GLD) for 10 years?
- S&P 500 vs Nasdaq 100: which wins over 10 years of investing?
- Lump-sum vs monthly investing: which came out ahead?
📋 Los resultados se basan en datos históricos; las rentabilidades pasadas no garantizan rentabilidades futuras.
📋 Este servicio se ofrece con fines educativos para ayudarte a entender la inversión, no como asesoramiento de inversión.