Low Risk
equity · 4 assets
Market overview
+908% since 1999-12 · 4 assets, equal-weighted
DCA Backtest
- Invested
- €32,200
- Value today
- €144,943
- Return
- +350.1%
- Months invested
- 322
Scenarios
Inflation — the same contributions merely keeping pace with CPI would be €43,219 today, so the real (inflation-adjusted) return is +235.4%.
Lump sum instead — €32,200 all at once in Dec 1999: €324,563 (+908.0%) — lump sum came out ahead.
Worst timing — same monthly amount started at the all-time high (Sep 2025): €1,261 on €1,300 invested (-3.0%).
⚠ 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.