What if you invested monthly in Costco for 20 years?
See what contributing 300,000 KRW a month for 20 years into Costco, the membership warehouse club, would have looked like. A retailer defined by loyal, fee-paying members and low-margin bulk selling, but as a single stock the maximum drawdown, loss period, and recovery time 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 · Costco (COST)
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)
-31.4%
Largest drop from peak
Longest loss period
11months
Months in loss: 15
Recovery period
3months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $53,556 → Final value $527,053 (+884.1%), Maximum drawdown (MDD) -31.4%
Why this period and asset
Costco is a membership-based warehouse club that charges annual fees and sells goods in bulk at low margins. Recurring membership fees provide a stable revenue stream, giving it a steady customer base regardless of the economy. Over the 20 years from July 2006 it passed through the financial crisis, COVID, and the rate-hike era, and its staples character helped it hold up relatively well in some down markets. Still, as a single stock it fell alongside the market in sharp sell-offs and corrected after its valuation ran high. 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 retailer with a strong membership base like Costco can be relatively defensive in down markets, but after a big run-up, elevated expectations can mean a large drawdown when it corrects. 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. Even a strong business model must be weighed together with single-stock concentration risk and valuation.
Caveats & limits
This is a simulation of a single stock - Costco - 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: 复权收盘价(已反映股息与拆股)
- 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 Costco 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
📋 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。
⚠️ 以当前代表性资产计算,可能与当时的市场构成不同。