How much would I have if I had invested in the S&P 500 ten years ago?

It depends on the exact month and the currency. The examples table shows 10,000 invested ten years ago in S&P 500 ETFs such as VOO (in dollars) or CSPX (in euros), and the simulator lets you pick any date.

Are dividends included?

Yes. We use dividend-adjusted prices, which is equivalent to reinvesting them. For accumulating funds the price already includes them.

Why do returns in euros and dollars differ?

Because the euro-dollar exchange rate moves. A European investor in an S&P 500 fund gains when the dollar strengthens and loses when it weakens, on top of what the shares do.

Does this predict what will happen?

No. It is past performance with real data. It helps you understand how far markets can rise and fall and what it takes to hold on, not to forecast future results.

What If I Had Invested? Historical Simulator

Pick a fund, a start date and how much you would have put in. The simulator uses real monthly prices with dividends reinvested to show what you would have today, and what you would have had to sit through on the way.

Your investment

Fund or ETF

Data from Oct 2010 to Aug 2026, in USD

Start date

Initial investment (USD)

Monthly contribution (USD)

Had you invested 5 or 10 years ago

What 10,000 invested in one go, or 200 a month over the last 10 years, would be worth today in the most popular funds.

Had you invested 5 or 10 years ago
Fund	10,000 five years ago	10,000 ten years ago	200 a month for 10 years
VOOUSD	$18,227	$41,654	$54,860 (invested: $23,800)
QQQUSD	$19,437	$66,060	$69,975 (invested: $23,800)
SPYUSD	$18,178	$41,454	$54,697 (invested: $23,800)
VTIUSD	$17,399	$39,807	$53,146 (invested: $23,800)

Values as of Aug 2026, in each fund's currency. Past performance does not guarantee future results.

How the simulator works

We buy at the closing price of the month you choose, then add the monthly amount at each following month-end close. The final value uses the latest month-end close available.

Prices are adjusted for dividends, so the simulation is equivalent to reinvesting them. Fund costs are already reflected in the price; broker fees, spreads and taxes are not included.

UCITS ETFs are simulated with their Xetra price in euros; US ETFs in dollars. The annualised return is the IRR, which accounts for when each contribution went in.