📊 Portfolio Backtesting — What If You Had Invested?
See exactly what would have happened if you invested a fixed amount every month into popular ETFs. This uses real historical return data going back to 2005. Adjust the ETF, start year, and monthly amount to test different scenarios.
Select an ETF
Based on annual total return data (including dividends reinvested). Past performance does not guarantee future results. Data sources: MSCI, S&P Dow Jones, FTSE Russell.
€36,000
Total invested
€62,340
Portfolio value (end 2025)
+€26,340
Total profit
+73.2%
Total return
8.2%
Annualized return (CAGR)
-33.8%
Worst drawdown
Invested
Portfolio value
📋 Show year-by-year breakdown
Year
Return
Contributed
Portfolio Value
Profit/Loss
💡 Key Takeaways from Backtesting
Time in the market beats timing — Even starting at the worst possible moment (2007 peak), DCA investors recovered within 4 years and tripled their money by 2025.
Crashes are opportunities for DCA — During 2008–2009, your monthly €200 bought more shares at lower prices. Those cheap shares delivered the biggest gains in the recovery.
The earlier you start, the more compound interest works — Starting in 2005 vs. 2015 with the same monthly amount yields 3–4× more, not 2× more.
Boring outperforms exciting — MSCI World (IWDA) delivered ~10%/year with zero stock-picking. Most active fund managers underperformed over the same period.
🔁 Try These Scenarios
The "too late" myth: Set start to 2020 with €500/month. Even 5 years of DCA builds significant wealth.
Worst timing ever: Start 2007 (before the crash). Watch your portfolio recover and grow despite the worst financial crisis since 1929.
Lump sum vs. DCA: Put €20K as lump sum + €0/month. Compare with €0 lump + €200/month. Over 15 years, results are surprisingly similar.
Emerging markets: Select EMIM. Higher volatility but different return pattern — good for diversification understanding.
💡 Remember: backtesting shows what did happen, not what will happen. But the pattern is clear: consistent investing over long periods, in low-cost diversified ETFs, has always built wealth — regardless of when you started.