What if · since 2020 · S&P 500
What if I invested $500 every month in S&P 500 since 2020?
How much would $500 monthly into S&P 500 since 2020 be worth? Blind DCA vs adaptive contributions.
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.