OriginaveMonthly returns
Follow a $10,000 investment through the year — your balance at the end of every month, in dollars and percent.
ACWI
Which strategy won in 2026 so far?
Same $10,000 into ACWI, two ways: everything on day one (lump sum), or $833 at the start of every month (dollar-cost averaging).
Lump sum: $10,000 into ACWI on day one
You invest the whole $10,000 at the start of 2026. Follow your balance month after month — the last column shows how many days that month jumped or fell 1% or more. The current month is still running, so it is not shown yet.
| Month | Your balance | Change that month | Change in % | Big days (±1%+) |
|---|---|---|---|---|
| Jan | $10,283 | +$283 | +2.83% | 2 |
| Feb | $10,416 | +$133 | +1.29% | 3 |
| Mar | $9,779 | −$637 | -6.11% | 11 |
| Apr | $10,710 | +$931 | +9.52% | 5 |
| May | $11,205 | +$495 | +4.62% | 5 |
| Jun | $11,166 | −$39 | -0.35% | 6 |
| Jul | $11,128 | −$38 | -0.34% | 6 |
| Aug | $11,430 | +$302 | +2.72% | 2 |
Dollar-cost averaging: $833 into ACWI every month
Instead of investing everything at once, you split the same $10,000 into 12 equal parts and invest $833 at the start of every month of 2026.
| Month | Paid in so far | Your balance | Change that month | Change in % | Big days (±1%+) |
|---|---|---|---|---|---|
| Jan | $833 | $857 | +$24 | +2.83% | 2 |
| Feb | $1,667 | $1,712 | +$22 | +1.29% | 3 |
| Mar | $2,500 | $2,390 | −$156 | -6.11% | 11 |
| Apr | $3,333 | $3,530 | +$307 | +9.52% | 5 |
| May | $4,167 | $4,565 | +$202 | +4.62% | 5 |
| Jun | $5,000 | $5,379 | −$19 | -0.35% | 6 |
| Jul | $5,833 | $6,191 | −$21 | -0.34% | 6 |
| Aug | $6,667 | $7,216 | +$191 | +2.72% | 2 |
Wondering when during the year to invest? The seasonality breakdown shows the average return of every calendar month and whether the day of the month you buy on matters.