What if you invested monthly in the US total market (VTI) for 20 years?
Starting in 2006 through the financial crisis, see 20 years of total-market diversification alongside a roughly -50% drawdown.
Investment conditions
Asset · US Total Market (VTI)
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)
-36.4%
Largest drop from peak
Longest loss period
18months
Months in loss: 27
Recovery period
5months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $53,556 → Final value $244,554 (+356.6%), Maximum drawdown (MDD) -36.4%
Why this period and asset
July 2006 came right before the 2008 global financial crisis. This plan ran straight into that decline, when the total-market index also fell roughly -50% from its peak. The next 20 years include the long 2010s bull market, 2020 COVID, the 2022 rate-hike period, and the AI rally -- a window that started just before a crisis, took a big early hit, and kept contributing for the long term.
Interpreting the result
Twenty years shows the long-run compounding of total-market diversification, but the start sitting just before the crisis matters. This window held the roughly -50% 2008 maximum drawdown and the long loss and recovery period that followed, with early years when principal looked sharply reduced. Averaging added share count at low prices in that crash and captured later recovery multiples, but you had to endure the big early decline. Even a total market cannot avoid a broad market fall.
Caveats & limits
A simplified calculation without taxes, fees, or currency effects. It reflects the specific condition of starting just before a crisis, and past recovery does not guarantee the future. As a dollar asset, returns in another currency depend on exchange rates.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-23
- Effective trading date: 2026-07-01
- Price basis: 調整後終値(配当・株式分割を反映)
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
Did it take the full financial-crisis decline early on?
Starting in 2006, the 2008 crisis decline hit early in the plan. The total market also fell roughly -50% from its peak.
Can broad diversification avoid a -50% drawdown?
Total-market diversification reduces single-name risk but cannot avoid a broad market fall. In 2008 the total market suffered a large drawdown too.
Why do 20-year and 10-year results differ?
The 20-year window includes the financial crisis; the 10-year (2016 start) does not. Different crises captured change drawdown, loss period, and final multiple.
Related scenarios
📋 結果は過去のデータに基づくものです。過去のリターンは将来のリターンを保証しません。
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