不用假設，我給你個20年標普500的月數據，和你每月投$3,500，20年後有多少錢？

IEBird Investing in S&P500 for 20 Years
Date	SP500 Price	Saving	# Share
2003-01-01	895.84	$       3,500	3.91
2003-02-01	837.03	$       3,500	4.18
2003-03-01	846.63	$       3,500	4.13
2003-04-01	890.03	$       3,500	3.93
2003-05-01	935.96	$       3,500	3.74
2003-06-01	988	$       3,500	3.54
2003-07-01	992.54	$       3,500	3.53
2003-08-01	989.53	$       3,500	3.54
2003-09-01	1,019.44	$       3,500	3.43
2003-10-01	1,038.73	$       3,500	3.37
2003-11-01	1,049.90	$       3,500	3.33
2003-12-01	1,080.64	$       3,500	3.24
2004-01-01	1,132.52	$       3,500	3.09
2004-02-01	1,143.36	$       3,500	3.06
2004-03-01	1,123.98	$       3,500	3.11
2004-04-01	1,133.36	$       3,500	3.09
2004-05-01	1,102.78	$       3,500	3.17
2004-06-01	1,132.76	$       3,500	3.09
2004-07-01	1,105.85	$       3,500	3.16
2004-08-01	1,088.94	$       3,500	3.21
2004-09-01	1,117.66	$       3,500	3.13
2004-10-01	1,117.21	$       3,500	3.13
2004-11-01	1,168.94	$       3,500	2.99
2004-12-01	1,199.21	$       3,500	2.92
2005-01-01	1,181.41	$       3,500	2.96
2005-02-01	1,199.63	$       3,500	2.92
2005-03-01	1,194.90	$       3,500	2.93
2005-04-01	1,164.43	$       3,500	3.01
2005-05-01	1,178.28	$       3,500	2.97
2005-06-01	1,202.25	$       3,500	2.91
2005-07-01	1,222.24	$       3,500	2.86
2005-08-01	1,224.27	$       3,500	2.86
2005-09-01	1,225.92	$       3,500	2.85
2005-10-01	1,191.96	$       3,500	2.94
2005-11-01	1,237.37	$       3,500	2.83
2005-12-01	1,262.07	$       3,500	2.77
2006-01-01	1,278.73	$       3,500	2.74
2006-02-01	1,276.65	$       3,500	2.74
2006-03-01	1,293.74	$       3,500	2.71
2006-04-01	1,302.17	$       3,500	2.69
2006-05-01	1,290.01	$       3,500	2.71
2006-06-01	1,253.17	$       3,500	2.79
2006-07-01	1,260.24	$       3,500	2.78
2006-08-01	1,287.15	$       3,500	2.72
2006-09-01	1,317.74	$       3,500	2.66
2006-10-01	1,363.38	$       3,500	2.57
2006-11-01	1,388.64	$       3,500	2.52
2006-12-01	1,416.42	$       3,500	2.47
2007-01-01	1,424.16	$       3,500	2.46
2007-02-01	1,444.80	$       3,500	2.42
2007-03-01	1,406.95	$       3,500	2.49
2007-04-01	1,463.64	$       3,500	2.39
2007-05-01	1,511.14	$       3,500	2.32
2007-06-01	1,514.19	$       3,500	2.31
2007-07-01	1,520.71	$       3,500	2.30
2007-08-01	1,454.62	$       3,500	2.41
2007-09-01	1,497.12	$       3,500	2.34
2007-10-01	1,539.66	$       3,500	2.27
2007-11-01	1,463.39	$       3,500	2.39
2007-12-01	1,479.22	$       3,500	2.37
2008-01-01	1,378.76	$       3,500	2.54
2008-02-01	1,354.87	$       3,500	2.58
2008-03-01	1,316.94	$       3,500	2.66
2008-04-01	1,370.47	$       3,500	2.55
2008-05-01	1,403.22	$       3,500	2.49
2008-06-01	1,341.25	$       3,500	2.61
2008-07-01	1,257.33	$       3,500	2.78
2008-08-01	1,281.47	$       3,500	2.73
2008-09-01	1,216.95	$       3,500	2.88
2008-10-01	968.8	$       3,500	3.61
2008-11-01	883.04	$       3,500	3.96
2008-12-01	877.56	$       3,500	3.99
2009-01-01	865.58	$       3,500	4.04
2009-02-01	805.23	$       3,500	4.35
2009-03-01	757.13	$       3,500	4.62
2009-04-01	848.15	$       3,500	4.13
2009-05-01	902.41	$       3,500	3.88
2009-06-01	926.12	$       3,500	3.78
2009-07-01	935.82	$       3,500	3.74
2009-08-01	1,009.73	$       3,500	3.47
2009-09-01	1,044.55	$       3,500	3.35
2009-10-01	1,067.66	$       3,500	3.28
2009-11-01	1,088.07	$       3,500	3.22
2009-12-01	1,110.38	$       3,500	3.15
2010-01-01	1,123.58	$       3,500	3.12
2010-02-01	1,089.16	$       3,500	3.21
2010-03-01	1,152.05	$       3,500	3.04
2010-04-01	1,197.32	$       3,500	2.92
2010-05-01	1,125.06	$       3,500	3.11
2010-06-01	1,083.36	$       3,500	3.23
2010-07-01	1,079.80	$       3,500	3.24
2010-08-01	1,087.28	$       3,500	3.22
2010-09-01	1,122.08	$       3,500	3.12
2010-10-01	1,171.58	$       3,500	2.99
2010-11-01	1,198.89	$       3,500	2.92
2010-12-01	1,241.53	$       3,500	2.82
2011-01-01	1,282.62	$       3,500	2.73
2011-02-01	1,321.12	$       3,500	2.65
2011-03-01	1,304.49	$       3,500	2.68
2011-04-01	1,331.51	$       3,500	2.63
2011-05-01	1,338.31	$       3,500	2.62
2011-06-01	1,287.29	$       3,500	2.72
2011-07-01	1,325.19	$       3,500	2.64
2011-08-01	1,185.31	$       3,500	2.95
2011-09-01	1,173.88	$       3,500	2.98
2011-10-01	1,207.22	$       3,500	2.90
2011-11-01	1,226.42	$       3,500	2.85
2011-12-01	1,243.32	$       3,500	2.82
2012-01-01	1,300.58	$       3,500	2.69
2012-02-01	1,352.49	$       3,500	2.59
2012-03-01	1,389.24	$       3,500	2.52
2012-04-01	1,386.43	$       3,500	2.52
2012-05-01	1,341.27	$       3,500	2.61
2012-06-01	1,323.48	$       3,500	2.64
2012-07-01	1,359.78	$       3,500	2.57
2012-08-01	1,403.45	$       3,500	2.49
2012-09-01	1,443.42	$       3,500	2.42
2012-10-01	1,437.82	$       3,500	2.43
2012-11-01	1,394.51	$       3,500	2.51
2012-12-01	1,422.29	$       3,500	2.46
2013-01-01	1,480.40	$       3,500	2.36
2013-02-01	1,512.31	$       3,500	2.31
2013-03-01	1,550.83	$       3,500	2.26
2013-04-01	1,570.70	$       3,500	2.23
2013-05-01	1,639.84	$       3,500	2.13
2013-06-01	1,618.77	$       3,500	2.16
2013-07-01	1,668.68	$       3,500	2.10
2013-08-01	1,670.09	$       3,500	2.10
2013-09-01	1,687.17	$       3,500	2.07
2013-10-01	1,720.03	$       3,500	2.03
2013-11-01	1,783.54	$       3,500	1.96
2013-12-01	1,807.78	$       3,500	1.94
2014-01-01	1,822.36	$       3,500	1.92
2014-02-01	1,817.04	$       3,500	1.93
2014-03-01	1,863.52	$       3,500	1.88
2014-04-01	1,864.26	$       3,500	1.88
2014-05-01	1,889.77	$       3,500	1.85
2014-06-01	1,947.09	$       3,500	1.80
2014-07-01	1,973.10	$       3,500	1.77
2014-08-01	1,961.53	$       3,500	1.78
2014-09-01	1,993.23	$       3,500	1.76
2014-10-01	1,937.27	$       3,500	1.81
2014-11-01	2,044.57	$       3,500	1.71
2014-12-01	2,054.27	$       3,500	1.70
2015-01-01	2,028.18	$       3,500	1.73
2015-02-01	2,082.20	$       3,500	1.68
2015-03-01	2,079.99	$       3,500	1.68
2015-04-01	2,094.86	$       3,500	1.67
2015-05-01	2,111.94	$       3,500	1.66
2015-06-01	2,099.29	$       3,500	1.67
2015-07-01	2,094.14	$       3,500	1.67
2015-08-01	2,039.87	$       3,500	1.72
2015-09-01	1,944.41	$       3,500	1.80
2015-10-01	2,024.81	$       3,500	1.73
2015-11-01	2,080.62	$       3,500	1.68
2015-12-01	2,054.08	$       3,500	1.70
2016-01-01	1,918.60	$       3,500	1.82
2016-02-01	1,904.42	$       3,500	1.84
2016-03-01	2,021.95	$       3,500	1.73
2016-04-01	2,075.54	$       3,500	1.69
2016-05-01	2,065.55	$       3,500	1.69
2016-06-01	2,083.89	$       3,500	1.68
2016-07-01	2,148.90	$       3,500	1.63
2016-08-01	2,170.95	$       3,500	1.61
2016-09-01	2,157.69	$       3,500	1.62
2016-10-01	2,143.02	$       3,500	1.63
2016-11-01	2,164.99	$       3,500	1.62
2016-12-01	2,246.63	$       3,500	1.56
2017-01-01	2,275.12	$       3,500	1.54
2017-02-01	2,329.91	$       3,500	1.50
2017-03-01	2,366.82	$       3,500	1.48
2017-04-01	2,359.31	$       3,500	1.48
2017-05-01	2,395.35	$       3,500	1.46
2017-06-01	2,433.99	$       3,500	1.44
2017-07-01	2,454.10	$       3,500	1.43
2017-08-01	2,456.22	$       3,500	1.42
2017-09-01	2,492.84	$       3,500	1.40
2017-10-01	2,557.00	$       3,500	1.37
2017-11-01	2,593.61	$       3,500	1.35
2017-12-01	2,664.34	$       3,500	1.31
2018-01-01	2,789.80	$       3,500	1.25
2018-02-01	2,705.16	$       3,500	1.29
2018-03-01	2,702.77	$       3,500	1.29
2018-04-01	2,653.63	$       3,500	1.32
2018-05-01	2,701.49	$       3,500	1.30
2018-06-01	2,754.35	$       3,500	1.27
2018-07-01	2,793.64	$       3,500	1.25
2018-08-01	2,857.82	$       3,500	1.22
2018-09-01	2,901.50	$       3,500	1.21
2018-10-01	2,785.46	$       3,500	1.26
2018-11-01	2,723.23	$       3,500	1.29
2018-12-01	2,567.31	$       3,500	1.36
2019-01-01	2,607.39	$       3,500	1.34
2019-02-01	2,754.86	$       3,500	1.27
2019-03-01	2,803.98	$       3,500	1.25
2019-04-01	2,903.80	$       3,500	1.21
2019-05-01	2,854.71	$       3,500	1.23
2019-06-01	2,890.17	$       3,500	1.21
2019-07-01	2,996.11	$       3,500	1.17
2019-08-01	2,897.50	$       3,500	1.21
2019-09-01	2,982.16	$       3,500	1.17
2019-10-01	2,977.68	$       3,500	1.18
2019-11-01	3,104.90	$       3,500	1.13
2019-12-01	3,176.75	$       3,500	1.10
2020-01-01	3,278.20	$       3,500	1.07
2020-02-01	3,277.31	$       3,500	1.07
2020-03-01	2,652.39	$       3,500	1.32
2020-04-01	2,761.98	$       3,500	1.27
2020-05-01	2,919.61	$       3,500	1.20
2020-06-01	3,104.66	$       3,500	1.13
2020-07-01	3,207.62	$       3,500	1.09
2020-08-01	3,391.71	$       3,500	1.03
2020-09-01	3,365.52	$       3,500	1.04
2020-10-01	3,418.70	$       3,500	1.02
2020-11-01	3,548.99	$       3,500	0.99
2020-12-01	3,695.31	$       3,500	0.95
2021-01-01	3,793.75	$       3,500	0.92
2021-02-01	3,883.43	$       3,500	0.90
2021-03-01	3,910.51	$       3,500	0.90
2021-04-01	4,141.18	$       3,500	0.85
2021-05-01	4,167.85	$       3,500	0.84
2021-06-01	4,238.49	$       3,500	0.83
2021-07-01	4,363.71	$       3,500	0.80
2021-08-01	4,454.21	$       3,500	0.79
2021-09-01	4,445.54	$       3,500	0.79
2021-10-01	4,460.71	$       3,500	0.78
2021-11-01	4,667.39	$       3,500	0.75
2021-12-01	4,674.77	$       3,500	0.75
2022-01-01	4,573.82	$       3,500	0.77
2022-02-01	4,435.98	$       3,500	0.79
2022-03-01	4,391.27	$       3,500	0.80
2022-04-01	4,391.30	$       3,500	0.80
2022-05-01	4,040.36	$       3,500	0.87
2022-06-01	3,898.95	$       3,500	0.90
2022-07-01	3,911.73	$       3,500	0.89
2022-08-01	4,158.56	$       3,500	0.84
2022-09-01	3,850.52	$       3,500	0.91
2022-10-01	3,726.05	$       3,500	0.94
2022-11-01	3,917.49	$       3,500	0.89
2022-12-01	3,912.38	$       3,500	0.89
2023-01-01	3,960.66	$       3,500	0.88
2023-02-01	4,079.68	$       3,500	0.86
2023-03-01	3,968.56	$       3,500	0.88
2023-04-01	4,121.47	$       3,500	0.85
2023-05-01	4,146.17	$       3,500	0.84
2023-06-01	4,345.37	$       3,500	0.81
2023-07-01	4,508.08	$       3,500	0.78
2023-08-01	4,546.39	$       3,500	0.77
2023-08-18	4,369.71		532.32	$  2,326,085

所有跟帖： 

• 謝謝真實數據分享！20年股價波動不是很大趨勢越來越高。按我的投入產出理解年回報小於6%。 -IEbird- ♀ (0 bytes) () 10/09/2023 postreply 11:47:47

• 資產達到2.35 米以後，年均回報無論多少，都是不小數目 -stop-loss- ♂ (0 bytes) () 10/09/2023 postreply 14:20:00

• 碰上回報25% 的年份，那就是47 萬 -stop-loss- ♂ (0 bytes) () 10/09/2023 postreply 14:21:00

• 不對，58 萬 -stop-loss- ♂ (0 bytes) () 10/09/2023 postreply 14:22:00

• 有可能！ -IEbird- ♀ (0 bytes) () 10/09/2023 postreply 14:44:26

• 讚糊塗熊！ -ljty1- ♂ (0 bytes) () 10/09/2023 postreply 14:11:00