What if you invested monthly in a China ETF (MCHI) for 10 years?
See what a 10-year monthly plan into MCHI—Chinese large caps like Alibaba and Tencent—would have looked like using real price data, including the sharp decline after 2021 and regulatory risk.
Investment conditions
Asset · China ETF (MCHI)
Method · Recurring monthly investment
Period · 2016-07-01 ~ 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)
-50.8%
Largest drop from peak
Longest loss period
31months
Months in loss: 38
Recovery period
23months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $26,889 → Final value $27,828 (+3.5%), Maximum drawdown (MDD) -50.8%
Why this period and asset
MCHI tracks the MSCI China Index, holding large caps such as Alibaba and Tencent. From 2016 to 2020 it was strong on internet and consumer growth hopes, but conditions changed abruptly from 2021. Tighter Chinese regulation of big tech, private tutoring, and property; U.S.–China tensions; property distress like Evergrande; and the zero-COVID policy combined to drive Chinese equities far below their peak. The defining feature of Chinese investing in this period was how directly and unpredictably policy risk fed into company valuations.
Interpreting the result
This scenario shows the outcome of single-country concentration with high policy and regulatory risk. On the results screen, be sure to check the maximum drawdown, the underwater period, and the recovery time. Because growth expectations were high, drawdowns were deep, and regulatory uncertainty can slow recovery or keep it below your principal for long. Monthly investing buys more units in a plunge but does not remove policy risk itself.
Caveats & limits
China ETFs face government policy and regulation that act unpredictably, plus geopolitical risk such as U.S.–China tensions and delisting fears. As a foreign asset, USD/KRW and yuan moves layer together, and the ETF's expense ratio, trading costs, and taxes erode real performance. Past behavior does not guarantee future results, and this page does not recommend buying any specific asset.
Data sources & limits
- Price data source: Yahoo Finance / FinanceDataReader
- Collected on: 2026-07-23
- Effective trading date: 2026-07-01
- Price basis: 复权收盘价(已反映股息与拆股)
- Trading fees and taxes are not reflected — figures are pre-tax.
- Based on historical data; does not guarantee future returns.
Frequently asked questions
China is growing—why did the stocks fall sharply?
Economic growth and share prices differ. After 2021, regulation of big tech, property, and tutoring plus U.S.–China tensions badly damaged valuations. It is a case where policy risk overwhelmed growth expectations.
It fell a lot—won't buying now recover?
This page does not recommend buying. In markets with heavy regulatory and geopolitical uncertainty, the timing of any recovery is hard to predict and it can stay below your principal for long. Check the underwater and recovery periods on the results screen.
Does monthly investing reduce the crash risk?
Dollar-cost averaging buys more units in a plunge and lowers your average cost, but it does not remove fundamental risks like policy and regulation. In an asset with a deep maximum drawdown, large unrealized losses are still possible.
Related scenarios
📋 结果基于历史数据计算,过去的收益不代表未来的收益。
📋 本服务旨在帮助理解投资、供教育之用,并非投资建议。