Comparison
What if you invest $200/month at 8% for 10 years?
Fixed 8% annualized illustration of $200 monthly contributions over 10 years — then see the historical S&P 500 path for the same habit.
| Assumption | Contributed | Ending value |
|---|---|---|
| 8% / year | $24,000 | $36,589 |
Those rows are a fixed-rate illustration, not a forecast. Below is the same monthly habit on historical S&P 500 prices.
2015-01-02 → 2026-08-28
$200/month · Monthly DCA · S&P 500
Contributed$28,105
Blind DCA value$73,392
Return+161.1%
SteadyGrow value$95,054
vs blind DCA+$21,662
Lump sum (same capital)$127,020
S&P 5002015-01-02 → 2026-08-28 · $200/month
+$21,662 vs blind (+29.5%)Ended +29.5%
Blind DCASteadyGrow
What if your contribution wasn't always the same?
Blind DCA deploys $200/month every period. SteadyGrow keeps the same long-term habit but sizes weeks from valuation and regime — more when markets are cheap, less when they're stretched.