What if · since 2023 · MSCI World
What if I invested $250/month in MSCI World since 2023?
Historical monthly MSCI World DCA of $250 since 2023 — contributions, ending value, approx. annualized return, and max drawdown on real prices.
Quick answer
If you invested $250/month into MSCI World from 2023-01-06 through 2026-09-04, you contributed about $11,076. Your historical portfolio would be worth about $16,057 (+45% vs cash in), or roughly 10.6% annualized vs contributions. Max drawdown along the path was about 9.4%. Before fees and taxes.
2023-01-06 → 2026-09-04
$250/month · Monthly DCA · MSCI World
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The chart marks portfolio value over time for fixed-amount DCA and (when shown) a same-capital lump sum. Contributed cash rises in steps; ending value is mark-to-market on the last date (2026-09-04). Approx. annualized compares ending value to total contributed over the window length — not a pure time-weighted return.
How did we calculate this?
- Window: real market history from our published backtest bundle, typically from 2015 through the latest Friday in the series — we do not invent older decades.
- Contribution calendar: the engine runs on a weekly Friday grid. A “monthly” habit is converted to an equivalent weekly cash rate ((amount × 12) / 52) so the same engine can compare habits.
- Purchase timing: each period’s contribution is applied on that week’s bar in the series (close-based weekly path), not an intraday open fill.
- Assets: S&P 500, Bitcoin, and other series we publish — USD only. No FX conversion.
- Shares: fractional units are assumed. No brokerage commissions, bid–ask, or slippage are modeled.
- Dividends / income: returns follow the wealth path in the backtest bundle for that asset (not a fixed 7–10% toy rate).
- Lump sum (when shown): the same total cash as the DCA habit, invested on day one of the window, then marked to the same path.
Frequently asked questions
- How much would $250/month DCA into MSCI World have been worth?
- On this page’s window (2023-01-06 → 2026-09-04), blind DCA contributed about $11,076 and ended near $16,057. Change the calculator or a related what-if story for other amounts and start years.
- Is this a forecast or a historical backtest?
- Historical only. We replay published prices from 2015 onward. Past paths do not predict future returns.
- Do you include dividends, fees, and taxes?
- We use the asset’s backtest wealth path (USD) and assume fractional shares with no brokerage fees. Taxes and account wrappers are not modeled — treat the result as a pre-tax illustration.
- How do monthly contributions work in a weekly engine?
- A monthly dollar amount is converted to a weekly-equivalent cash rate so it can run on the same Friday grid as our other calculators. It is not twelve identical calendar-month fills.
- Can I compare DCA to investing everything at once?
- Yes — open the DCA vs lump sum calculator. It uses the same total cash: one lump on day one versus spreading buys across the window.
- Where can I learn the basics before I run a calculator?
- Start with our DCA guides — what DCA is, vs lump sum, weekly vs monthly, and crash behavior — then jump back into a historical calculator.
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