USEFUL PRINCIPLES
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The Range of Outcomes

The market "averages" ~10% per year, but your experience could look very different. Explore a century of historical data.

10 years
1926 - 2025
Only include windows that started within this range
0 historical windows analyzed
Assumptions: Contributions made at end of each period. Returns from Fama-French US Market Factor (July 1926 - Dec 2024). Past performance does not guarantee future results.

Distribution of Final Portfolio Values

Each bar represents outcomes from different starting months

10th %ile
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Median
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Mean
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90th %ile
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"The market averages ~10% per year."

But what does that actually mean for your money?
What can you actually expect?

Time Transforms the Odds