Lump Sum10 years ago
$10,000 invested once
$1,834-$8,166 · -81.66%
Total invested$10,000
Annualised (CAGR)-18.30%
Max drawdown-99.26%
SIP · Monthly103 contributions
$100 every month
$39,820+$29,520 · +286.60%
Total invested$10,300
Money-weighted (XIRR)+31.16%
Max drawdown-87.15%
SIP · Biweekly220 contributions
$100 every two weeks
$85,399+$63,399 · +288.18%
Total invested$22,000
Money-weighted (XIRR)+31.33%
Max drawdown-88.25%
Playground
How you invest
Growth of your contributions
You invest
$20,300
It would be worth
$41,654after your settings in XLY.TO
Profit
+$21,354+105.19% on money in
Annualised return
+11.44%Money-weighted (XIRR)
Deepest dip
-94.87%worst peak-to-trough on the way
Trailing returns
| 1 mth | 3 mth | 6 mth | 1 yr | 3 yr | 5 yr | 10 yr |
|---|---|---|---|---|---|---|
-2.05% | +27.86% | +70.92% | +49.55% | +152.53% p.a. | -0.47% p.a. | — |
Calendar-year returns
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | YTD |
|---|---|---|---|---|---|---|---|---|
| -33.33% | -32.18% | -56.78% | -27.45% | -89.19% | -50.00% | +350.00% | +222.22% | +65.02% |
Annual return (%)
Year by year, with your settings
| Year end | Invested to date | Value | Gain | Return on money in |
|---|---|---|---|---|
| 2018 | $10,800 | $7,390 | -$3,410 | -31.58% |
| 2019 | $12,000 | $5,940 | -$6,060 | -50.50% |
| 2020 | $13,200 | $3,714 | -$9,486 | -71.87% |
| 2021 | $14,400 | $3,498 | -$10,902 | -75.71% |
| 2022 | $15,600 | $845 | -$14,755 | -94.58% |
| 2023 | $16,800 | $1,136 | -$15,664 | -93.24% |
| 2024 | $18,100 | $7,043 | -$11,057 | -61.09% |
| 2025 | $19,300 | $24,366 | +$5,066 | +26.25% |
| 2026 (YTD) | $20,300 | $41,654 | +$21,354 | +105.19% |
Best 12-month stretch
+416.67%Dec 2024 → Dec 2025
Worst 12-month stretch
-93.62%Nov 2021 → Nov 2022
Deepest drawdown
-99.26%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