Fullness of Time
One lump sum, held for N years, starting in every year of S&P 500 history. Over a single year the range of outcomes is enormous. Stretch the holding period and the range collapses — and the floor climbs. Every figure is in today's dollars: inflation is stripped out, so a return here is what you actually gained in buying power. Turn that off below to see nominal figures instead.
Annualized return by holding period (the band between worst and best — hover for a year)
Show the numbers
| Periodyrs | Worst | 10th %ile | Median | 90th %ile | Best | Spread | Samples |
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