Lump Sum10 years ago
$10,000 invested once
$17,000+$7,000 · +70.00%
Total invested$10,000
Annualised (CAGR)+10.97%
Max drawdown-66.53%
SIP · Monthly63 contributions
$100 every month
$11,830+$5,530 · +87.77%
Total invested$6,300
Money-weighted (XIRR)+25.22%
Max drawdown-36.16%
SIP · Biweekly134 contributions
$100 every two weeks
$25,214+$11,814 · +88.16%
Total invested$13,400
Money-weighted (XIRR)+25.36%
Max drawdown-37.30%
Playground
How you invest
Growth of your contributions
You invest
$16,300
It would be worth
$28,830after your settings in RBY.TO
Profit
+$12,530+76.87% on money in
Annualised return
+14.31%Money-weighted (XIRR)
Deepest dip
-62.81%worst peak-to-trough on the way
Trailing returns
| 1 mth | 3 mth | 6 mth | 1 yr | 3 yr | 5 yr | 10 yr |
|---|---|---|---|---|---|---|
+10.87% | +2.23% | +45.71% | +103.10% | +20.02% p.a. | +12.00% p.a. | — |
Calendar-year returns
| 2021 | 2022 | 2023 | 2024 | 2025 | YTD |
|---|---|---|---|---|---|
| -17.04% | -17.41% | +8.65% | +11.94% | +9.33% | +86.59% |
Annual return (%)
Year by year, with your settings
| Year end | Invested to date | Value | Gain | Return on money in |
|---|---|---|---|---|
| 2021 | $10,400 | $8,647 | -$1,753 | -16.85% |
| 2022 | $11,600 | $7,900 | -$3,700 | -31.90% |
| 2023 | $12,800 | $9,720 | -$3,080 | -24.07% |
| 2024 | $14,100 | $12,181 | -$1,919 | -13.61% |
| 2025 | $15,300 | $14,744 | -$556 | -3.63% |
| 2026 (YTD) | $16,300 | $28,830 | +$12,530 | +76.87% |
Best 12-month stretch
+125.12%Jul 2025 → Jul 2026
Worst 12-month stretch
-63.69%Jun 2022 → Jun 2023
Deepest drawdown
-66.53%peak-to-trough on the lump sum
Fee drag over 10 yrs
—not a fund — no expense ratio
Dividend earnings
$0on $10,000, trailing 10 years