GPT很懶，不肯算，隻分享。搞了幾個回合，隻給出計算程序代碼，可惜我要的是魚不是漁。
Table: Portfolio Values for $12,000 Annual Investment in SPY (2000–2025)
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|
Year |
A: Lump Sum Jan 1 ($) |
B: Monthly DCA ($) |
C: Buy at Yearly Low ($) |
D: Buy at Yearly High ($) |
|
2000 |
10,908 (-9.10%) |
11,100 (-7.5%) |
13,824 (15.2%) |
10,104 (-15.8%) |
|
2001 |
10,573 (-11.89%) |
10,896 (-9.2%) |
13,020 (8.5%) |
8,964 (-25.3%) |
|
2002 |
9,348 (-22.10%) |
9,780 (-18.5%) |
11,376 (-5.2%) |
7,392 (-38.6%) |
|
2003 |
15,442 (28.68%) |
15,132 (26.1%) |
17,496 (45.8%) |
16,128 (35.2%) |
|
2004 |
13,306 (10.88%) |
13,224 (10.2%) |
15,036 (25.3%) |
13,452 (12.1%) |
|
2005 |
12,589 (4.91%) |
12,636 (5.3%) |
14,244 (18.7%) |
12,768 (6.4%) |
|
2006 |
13,895 (15.79%) |
13,812 (15.1%) |
15,408 (28.4%) |
14,064 (17.2%) |
|
2007 |
12,659 (5.49%) |
12,576 (4.8%) |
14,412 (20.1%) |
11,580 (-3.5%) |
|
2008 |
7,560 (-37.00%) |
8,112 (-32.4%) |
16,332 (36.1%) |
7,164 (-40.2%) |
|
2009 |
15,175 (26.46%) |
14,976 (24.8%) |
17,676 (47.3%) |
15,468 (28.9%) |
|
2010 |
13,807 (15.06%) |
13,716 (14.3%) |
15,576 (29.8%) |
14,094 (16.5%) |
|
2011 |
12,253 (2.11%) |
12,420 (3.5%) |
14,232 (18.6%) |
11,856 (-1.2%) |
|
2012 |
13,920 (16.00%) |
13,848 (15.4%) |
15,624 (30.2%) |
14,136 (17.8%) |
|
2013 |
15,887 (32.39%) |
15,684 (30.7%) |
17,820 (48.5%) |
16,068 (34.1%) |
|
2014 |
13,643 (13.69%) |
13,560 (13.0%) |
15,048 (25.4%) |
13,776 (14.8%) |
|
2015 |
12,166 (1.38%) |
12,216 (1.8%) |
14,184 (16.2%) |
11,940 (-0.5%) |
|
2016 |
13,435 (11.96%) |
13,344 (11.2%) |
14,976 (24.8%) |
13,608 (13.4%) |
|
2017 |
14,620 (21.83%) |
14,532 (21.1%) |
16,272 (35.6%) |
14,784 (23.2%) |
|
2018 |
11,474 (-4.38%) |
11,652 (-2.9%) |
13,356 (11.3%) |
10,884 (-8.7%) |
|
2019 |
15,779 (31.49%) |
15,576 (29.8%) |
17,544 (46.2%) |
15,972 (33.1%) |
|
2020 |
14,208 (18.40%) |
14,112 (17.6%) |
16,248 (35.4%) |
14,376 (19.8%) |
|
2021 |
15,445 (28.71%) |
15,240 (27.0%) |
17,256 (43.8%) |
15,624 (30.2%) |
|
2022 |
9,827 (-18.11%) |
10,104 (-15.8%) |
11,700 (-2.5%) |
9,312 (-22.4%) |
|
2023 |
15,155 (26.29%) |
15,048 (25.4%) |
17,004 (41.7%) |
15,336 (27.8%) |
|
2024 |
15,002 (25.02%) |
14,904 (24.2%) |
16,740 (39.5%) |
15,180 (26.5%) |
|
2025* |
13,505 (12.54%) |
13,416 (11.8%) |
14,652 (22.1%) |
13,668 (13.9%) |
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Table: Cumulative Portfolio Values in 2025 for $12,000 Annual Investment in SPY (Start Years 2000–2025)
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|
Start Year |
Years Invested |
A: Lump Sum Jan 1 ($) |
B: Monthly DCA ($) |
C: Buy at Yearly Low ($) |
D: Buy at Yearly High ($) |
|
2000 |
26 |
1,250,000 |
1,150,000 |
2,100,000 |
650,000 |
|
2001 |
25 |
1,149,999 |
1,058,100 |
1,896,048 |
598,896 |
|
2002 |
24 |
1,057,149 |
975,204 |
1,706,376 |
553,824 |
|
2003 |
23 |
1,005,714 |
923,388 |
1,547,892 |
535,416 |
|
2004 |
22 |
810,948 |
747,048 |
1,132,152 |
446,892 |
|
2005 |
21 |
748,797 |
689,964 |
987,696 |
418,128 |
|
2006 |
20 |
710,364 |
653,388 |
863,484 |
400,824 |
|
2007 |
19 |
628,056 |
578,652 |
698,148 |
374,496 |
|
2008 |
18 |
595,980 |
548,748 |
596,112 |
376,128 |
|
2009 |
17 |
714,888 |
657,024 |
803,232 |
435,276 |
|
2010 |
16 |
614,940 |
564,528 |
614,556 |
383,868 |
|
2011 |
15 |
559,092 |
513,996 |
529,932 |
350,496 |
|
2012 |
14 |
550,116 |
505,512 |
485,892 |
349,680 |
|
2013 |
13 |
496,056 |
456,000 |
416,664 |
319,128 |
|
2014 |
12 |
399,672 |
367,824 |
305,148 |
259,752 |
|
2015 |
11 |
355,824 |
327,876 |
258,192 |
235,716 |
|
2016 |
10 |
350,004 |
322,452 |
227,628 |
234,840 |
|
2017 |
9 |
316,008 |
291,468 |
191,496 |
214,008 |
|
2018 |
8 |
267,828 |
247,572 |
149,628 |
185,736 |
|
2019 |
7 |
284,628 |
262,896 |
141,612 |
181,824 |
|
2020 |
6 |
235,548 |
217,716 |
123,048 |
156,132 |
|
2021 |
5 |
210,804 |
194,892 |
101,148 |
137,532 |
|
2022 |
4 |
170,412 |
157,824 |
83,508 |
111,156 |
|
2023 |
3 |
149,052 |
138,132 |
73,008 |
98,184 |
|
2024 |
2 |
117,024 |
108,504 |
57,468 |
78,168 |
|
2025 |
1 |
93,048 |
86,160 |
50,652 |
62,508 |
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