What if · since 2020 · S&P 500
What if I invested $1,000 every month in S&P 500 since 2020?
How much would $1,000 monthly into S&P 500 since 2020 be worth? Blind DCA vs adaptive contributions.
2020-01-03 → 2026-08-28
$1000/month · Monthly DCA · S&P 500
Contributed$80,308
Blind DCA value$143,387
Return+78.5%
SteadyGrow value$186,274
vs blind DCA+$42,886
Lump sum (same capital)$210,185
S&P 5002020-01-03 → 2026-08-28 · $1000/month
+$42,886 vs blind (+29.9%)Ended +29.9%
Blind DCASteadyGrow
What if your contribution wasn't always the same?
Blind DCA deploys $1000/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.