Comparison
What if you started in 2015 vs 2020?
Same $500/month S&P 500 habit — five extra years of contributions and compounding vs starting just before the 2020 crash.
| Started 2015 | Started 2020 | |
|---|---|---|
| Window | 2015-01-02 → 2026-08-28 | 2020-01-03 → 2026-08-28 |
| Contributed | $70,266 | $40,152 |
| Blind DCA value | $183,488 | $71,691 |
| SteadyGrow | $237,645 | $93,133 |
Started 2015
2015-01-02 → 2026-08-28
$500/month · Monthly DCA · S&P 500
Contributed$70,266
Blind DCA value$183,488
Return+161.1%
SteadyGrow value$237,645
vs blind DCA+$54,157
Lump sum (same capital)$317,564
S&P 5002015-01-02 → 2026-08-28 · $500/month
+$54,157 vs blind (+29.5%)Ended +29.5%
Blind DCASteadyGrow
What if your contribution wasn't always the same?
Blind DCA deploys $500/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.
Started 2020
2020-01-03 → 2026-08-28
$500/month · Monthly DCA · S&P 500
Contributed$40,152
Blind DCA value$71,691
Return+78.5%
SteadyGrow value$93,133
vs blind DCA+$21,442
Lump sum (same capital)$105,088
S&P 5002020-01-03 → 2026-08-28 · $500/month
+$21,442 vs blind (+29.9%)Ended +29.9%
Blind DCASteadyGrow
What if your contribution wasn't always the same?
Blind DCA deploys $500/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.