從2000年定投之回顧

 利用周末時間，設計一個定投計劃，看看過去25年的收益是否像說的那麽好（為了簡單，沒考慮分紅）

2000-01-01 started  investing $1,000 per month on SPX, price was based on the first trading day of next month. For example, 2025-Jan, $1,000 was ordered at the closing price of 2025-02-03 since that's the first trading day of last Feb.

主要時間點：
2000-01-01 本金 $1,000   market value $1,000    started
2004-11  本金 $59,000   market value $59,766     從 .com 坑裏出來
2007-10  本金 $94,000   market value $123,200   before housing bubble crash
2009-03  本金 $111,000   market value $66,200   housing bubble bottom
2010-04  本金 $124,000   market value $122,300 從 housing bubble 坑裏出來, 從2000年到2010年，不考慮公司的contribution match, 這十年零收益還不到
2020-03  本金 $243,000   market value $532,500 before COVID
2020-04  本金 $244,000   market value $426,800 COVID
2025-03  本金 $303,000   market value $1.1 million

compared to GLD, since GLD was available from Nov, 2004, use $59,000 to be comparable to SPX.
2004-11 本金 $59,000   market value $59,000  started
2007-10  本金 $94,000   market value $57,500   before housing bubble crash
2009-03  本金 $111,000   market value $89,000   housing bubble bottom
2010-04  本金 $124,000   market value $122,300 從 housing bubble 坑裏出來
2020-03  本金 $243,000   market value $304,000 before COVID
2020-04  本金 $244,000   market value $305,000 COVID
2025-03  本金 $303,000   market value $631,000