Lump Sum10 years ago
$10,000 invested once
$10,471+$471 · +4.71%
Total invested$10,000
Annualised (CAGR)+0.46%
Max drawdown-43.91%
SIP · Monthly122 contributions
$100 every month
$15,816+$3,616 · +29.64%
Total invested$12,200
Money-weighted (XIRR)+5.11%
Max drawdown-24.18%
SIP · Biweekly261 contributions
$100 every two weeks
$33,862+$7,762 · +29.74%
Total invested$26,100
Money-weighted (XIRR)+5.14%
Max drawdown-24.01%
Playground
How you invest
Growth of your contributions
You invest
$22,200
It would be worth
$26,286after your settings in SAP.TO
Profit
+$4,086+18.41% on money in
Annualised return
+2.32%Money-weighted (XIRR)
Deepest dip
-32.48%worst peak-to-trough on the way
Trailing returns
| 1 mth | 3 mth | 6 mth | 1 yr | 3 yr | 5 yr | 10 yr |
|---|---|---|---|---|---|---|
-0.20% | +1.86% | +2.10% | +20.13% | +17.13% p.a. | +9.12% p.a. | +0.46% p.a. |
Calendar-year returns
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | YTD |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.44% | -3.55% | -12.17% | +4.18% | -9.17% | -18.33% | +20.36% | -18.00% | -3.47% | +67.59% | -0.29% |
Annual return (%)
Year by year, with your settings
| Year end | Invested to date | Value | Gain | Return on money in |
|---|---|---|---|---|
| 2016 | $10,200 | $10,249 | +$49 | +0.48% |
| 2017 | $11,500 | $11,224 | -$276 | -2.40% |
| 2018 | $12,700 | $11,007 | -$1,693 | -13.33% |
| 2019 | $13,900 | $12,650 | -$1,250 | -8.99% |
| 2020 | $15,100 | $12,735 | -$2,365 | -15.66% |
| 2021 | $16,300 | $11,388 | -$4,912 | -30.14% |
| 2022 | $17,500 | $15,045 | -$2,455 | -14.03% |
| 2023 | $18,800 | $13,483 | -$5,317 | -28.28% |
| 2024 | $20,000 | $14,118 | -$5,882 | -29.41% |
| 2025 | $21,200 | $25,370 | +$4,170 | +19.67% |
| 2026 (YTD) | $22,200 | $26,286 | +$4,086 | +18.41% |
Best 12-month stretch
+84.82%Jan 2025 → Jan 2026
Worst 12-month stretch
-38.08%May 2021 → May 2022
Deepest drawdown
-43.91%peak-to-trough on the lump sum
Fee drag over 10 yrs
—not a fund — no expense ratio
Dividend earnings
+$1,492on $10,000, trailing 10 years