High Risk
equity · 3 assets
Market overview
+109% since 1996-11 · 3 assets, equal-weighted
DCA Backtest
- Invested
- €35,800
- Value today
- €56,714
- Return
- +58.4%
- Months invested
- 358
Scenarios
Inflation — the same contributions merely keeping pace with CPI would be €49,637 today, so the real (inflation-adjusted) return is +14.3%.
Lump sum instead — €35,800 all at once in Nov 1996: €74,848 (+109.1%) — lump sum came out ahead.
Worst timing — same monthly amount started at the all-time high (Nov 1999): €51,016 on €32,200 invested (+58.4%).
⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.
Hypothetical — this backtests the group’s cap-weighted index, which isn’t directly investable. A real tracker fund adds fees and tracking difference, and the index only spans months where enough members have history.