Why growth of $10K lump sum is not best indicator of long term performance for investing in retirement funds
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17 years 2000 - 2016 lump sum=$10,000 Yearly DCA=$4,000
fund CAGR $10,000 = DCA APY $4000/yr =
Vanguard Total Intl Stock Index Inv VGTSX 2.614% $15,507 4.065% $99,195
Vanguard Total Stock Mkt Idx Inv VTSMX 4.921% $22,630 8.165% $148,222
VG Total Bond VBMFX 4.964% $22,786 4.077% $99,308
Vanguard Interm-Term Treasury Inv VFITX 5.303% $24,072 4.111% $99,635
VG S&P 500 Index VFINX 4.398% $20,784 7.786% $142,718
Fidelity 500 Index Investor FUSEX 4.42% $20,862 7.831% $143,358
Vanguard Long-Term Treasury Inv VUSTX 6.506% $29,198 6.637% $127,349
VG Wellington VWELX 7.534% $34,380 7.943% $144,968
fixed rate 7.% 7.0% $31,588 7.0% $131,996
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10 years 2007 - 2016 lump sum=$10,000 Yearly DCA=$4,000
fund CAGR $10,000 = DCA APY $4000/yr =
Vanguard Total Intl Stock Index Inv VGTSX .882% $10,918 2.506% $45,950
Vanguard Total Stock Mkt Idx Inv VTSMX 7.11% $19,875 10.806% $73,428
VG Total Bond VBMFX 4.179% $15,059 3.318% $48,076
Vanguard Interm-Term Treasury Inv VFITX 4.409% $15,395 3.013% $47,265
VG S&P 500 Index VFINX 6.826% $19,355 10.657% $72,804
Fidelity 500 Index Investor FUSEX 6.878% $19,448 10.717% $73,056
Vanguard Long-Term Treasury Inv VUSTX 6.465% $18,711 6.244% $56,662
VG Wellington VWELX 6.892% $19,474 8.615% $64,805
fixed rate 7.% 7.0% $19,672 7.0% $59,134
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5 years 2012 - 2016 lump sum=$10,000 Yearly DCA=$4,000
fund CAGR $10,000 = DCA APY $4000/yr =
Vanguard Total Intl Stock Index Inv VGTSX 5.427% $13,025 2.642% $21,642
Vanguard Total Stock Mkt Idx Inv VTSMX 14.488% $19,670 12.323% $28,727
VG Total Bond VBMFX 2.031% $11,058 2.005% $21,235
Vanguard Interm-Term Treasury Inv VFITX 1.288% $10,661 1.406% $20,859
VG S&P 500 Index VFINX 14.493% $19,674 12.42% $28,807
Fidelity 500 Index Investor FUSEX 14.567% $19,738 12.488% $28,863
Vanguard Long-Term Treasury Inv VUSTX 7.485% $14,347 5.194% $23,341
VG Wellington VWELX 10.442% $16,431 9.106% $26,174
fixed rate 7.% 7.0% $14,026 7.0% $24,613
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24 years 1993 - 2016 lump sum=$10,000
24yr 24yr lump 24 yr DCA 5yr rolling 5yr rolling 5yr rolling
CAGR $10,000 = DCA APY average high low
Vanguard Balanced Index Inv VBINX 7.930% $62,432 7.229% 7.901% 19.127% .961%
VG S&P 500 Index VFINX 9.105% $80,953 8.155%
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Code: Select all
[code]24 years 1993 - 2016 lump sum=$10,000
fund 24yr 24yr lump 24 yr DCA 5yr rolling geomean
symbol CAGR $10,000 = DCA APY average high low
VBINX 7.930% $62,432 7.229% 7.901% 19.127% .961%
VFINX 9.105% $80,953 8.155%
VWELX 9.405% $86,480 8.571%
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