$10,000 grew to $17,597.
Same starting value · dividends reinvested
Selected allocation CAGR +12.0%
Shaded: major market crises Bear Market (2022)
SPY
1 ETFs · U.S. large cap
- $10,000 lump sum
- Monthly rebalancing
- Dividends reinvested
- Benchmark: SPY
- No taxes or fees
- $10,000 became
- $17,597
- Annual return
- +12.0%
- Max drawdown (month-end)
- -23.9% Regained 15 mo after the low
- Below the high at period end
- -1.2% 2026-10
Key points for this allocation
- Every holding is in equities.
- Its dividend yield over the last 12 months was 1.0%; the results reinvest dividends.
- During the Bear Market (2022) it returned -19.7%.
Overview ⌄
Compare allocations
The same holdings at different splits. Pick a row to update everything below.
Runs in 90 days 31
Exploration on Lifolio; these counts do not establish investment performance or preference.
Growth
Starting from $10,000, shown with SPY over the same window. Shaded bands mark major market crises.
Declines and recoveries
Month-end decline from the previous high. Closer to 0% means a smaller fall.
The deepest fall was -23.9%, regained 15 months after the low.
Values below 0% are loss periods
Calendar-year returns
Only years with all twelve months. The table also lists the deepest fall within each year (the in-year low).
Of 4 complete years: 1 with a loss.
Show as a table
| Year | Selected allocation | In-year low |
|---|---|---|
| 2025 | +17.7% | -7.6% |
| 2024 | +24.9% | -4.0% |
| 2023 | +26.2% | -8.3% |
| 2022 | -18.2% | -23.9% |
Depending on when you bought
Every month in the window taken as a start, held one, three or five years.
Observed windows overlap and are not independent samples. These shares are not probabilities of future gains.
Holdings
Holdings of the selected split and what each one is.
- SPYState Street SPDR S&P 500 ETF Trust 100%
A U.S. large-cap equity ETF tracking the S&P 500 Index.
Questions & methodology
Review calculation settings and how to interpret the selected allocation.
What does the SPY portfolio hold?
State Street SPDR S&P 500 ETF Trust (SPY): A U.S. large-cap equity ETF tracking the S&P 500 Index.
What were the return and risk of the SPY portfolio?
From 2021-10-29 to 2026-10-30, the annualized return was +12.0%, maximum drawdown was -23.9%, and Sharpe ratio was 0.56.
How far did the SPY portfolio fall, and how long did it take to get back?
Over the selected 5 years, the largest month-end decline was -23.9%, from a high in 2021-12 to a low in 2022-09. It regained the old high 15 months after the low.
How many losing years did the SPY portfolio have?
1 of 4 complete calendar years ended with a loss. The worst was 2022 (-18.2%).
Are dividends, taxes and exchange rates included?
Dividends are reinvested and results are in USD. Taxes, currency moves against your home currency and trading fees are not included. These results use US-listed ETFs; Korea-listed ETFs such as KODEX and TIGER can be added in the backtest.
The server calculates portfolio examples and actual user allocations with the same period, starting balance and settings. Validated metrics and their supporting charts are shown together.
Price data through: 2026-10-30· Usage statistics through: 2026-11-02