What if you invested monthly in the US total market (VTI) for 10 years?
See 10 years of broad total-market diversification -- including small caps -- and compare it against the S&P 500 over the same span.
Investment conditions
Asset · US Total Market (VTI)
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)
-33.8%
Largest drop from peak
Longest loss period
1months
Months in loss: 2
Recovery period
2months
Growth over time
Invested principal (dashed) and portfolio value (solid). Values below match the calculation.
Total invested $26,889 → Final value $59,996 (+123.1%), Maximum drawdown (MDD) -33.8%
Why this period and asset
VTI tracks the total market, including US large caps plus mid and small caps. The 10 years since July 2016 pass through the late-2018 selloff, the 2020 COVID crash and swift rebound, the 2022 rate-hike decline, and the AI rally. This was a period of strong large-cap tech leadership, making it a good window to see how a total market with small caps diverged from the large-cap-focused S&P 500.
Interpreting the result
The total market adds small caps for broader diversification in theory, but in a decade of strong large-cap leadership the difference can be small, or even slightly behind the large-cap index. This window still held the short, deep 2020 COVID maximum drawdown and the long 2022 loss and recovery period. View it as 'broader diversification reduces single-stock and sector risk,' not as 'broader equals higher return.'
Caveats & limits
A simplified calculation without taxes, fees, or currency effects. The result leans on a recent large-cap-led phase, so the ranking of total market versus large-cap index can differ in other periods. 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: 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
What is the difference between VTI and the S&P 500 (SPY)?
VTI is the total market including mid and small caps; SPY is large-cap-focused. In a large-cap-led market, the performance gap can be small.
Does broader diversification mean smaller drawdowns?
Diversification reduces single-stock and sector risk but cannot avoid a broad market decline. Maximum drawdowns like 2020 and 2022 appeared in the total market too.
Are dividends included?
The calculation uses price data and does not separately model dividend reinvestment or taxes. In reality, dividends and taxes affect performance.
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。