Utilities
equity · 3 assets
Market overview
+443% since 1995-12 · 3 assets, equal-weighted
DCA Backtest
- Invested
- £34,000
- Value today
- £66,003
- Return
- +94.1%
- Months invested
- 340
Scenarios
Inflation — the same contributions merely keeping pace with CPI would be £53,956 today, so the real (inflation-adjusted) return is +22.3%.
Lump sum instead — £34,000 all at once in Dec 1995: £184,572 (+442.9%) — lump sum came out ahead.
Worst timing — same monthly amount started at the all-time high (Feb 2026): £750.73 on £800 invested (-6.2%).
⚠ 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.