Historical reference points using different asset mixes and measurement periods.
In each allocation, the first number is US Large Cap and the second is
Total US Bond Market. Review the methodology below before comparing results.
Allocation returns are hypothetical historical compound annual growth rates generated using
Portfolio Visualizer for January 1, 1987 through December 31, 2025. Each allocation
consists of US Large Cap and Total US Bond Market asset classes in the stated proportions, is
rebalanced annually, and assumes the reinvestment of dividends and distributions.
The allocation results use Portfolio Visualizer asset-class data and net-of-fee mutual-fund
performance. They do not represent an actual investment, investment product, recommendation, or
client result. Results exclude transaction costs, commissions, and taxes. Investing involves risk,
including possible loss of principal. Asset allocation and diversification do not guarantee a profit
or protect against loss. Past performance does not guarantee future results.
The S&P 500 benchmark is a separately calculated total-return CAGR for
January 1, 1996 through December 31, 2025 and assumes reinvestment of dividends. Because the
S&P 500 and allocation benchmarks cover different periods and use different underlying series,
they should not be interpreted as directly comparable results.
The S&P 500 annual return series is sourced from S&P Dow Jones Indices.
The figures are total returns with dividends reinvested, and the 2025 S&P 500
total return used here is 17.88%. The 10.35% shown on the card is the
geometric annualized return (CAGR) for the thirty calendar years 1996 through 2025,
computed from that annual series rather than averaged.
S&P Dow Jones Indices — U.S. Equities Market Attributes
Data current through December 31, 2025. Allocation reports generated August 4, 2026.
Source reports
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Scenario AGreen Line
0% = flat contributions. 3% = contributions rise with inflation each year.
Scenario BGold Line
0% = flat contributions. 3% = contributions rise with inflation each year.
Comparison results
📈 Growth Over Time
Charts could not be drawn.
Every figure remains available in the year-by-year table below.
Portfolio value by year for both scenarios. The same values appear in the year-by-year table below.
Year-end balance by year for both scenarios, also listed in the table below.
Cumulative investment gain versus cumulative contributions, also listed in the table below.
Contributions and gain stacked by year for both scenarios, also listed in the table below.
📋 Year-by-Year Comparison
Values shown at the end of each year. A dash indicates that scenario’s horizon has ended.
Year
A — Contributed
A — Gain
A — Value
B — Contributed
B — Gain
B — Value
A vs B
How to read these projectionsConstant-return illustration. The rate you enter is applied as a fixed annual effective return every year. Real markets deliver uneven returns, including losing years, and the sequence of those returns can change outcomes materially.No volatility, loss, or probability modeling. This tool draws a single smooth path. It does not show a range of outcomes and does not estimate probability of success.Upside-only input range. The return field accepts 0% to 30%, so every path shown is non-losing. This is a deliberate scope limit of a growth illustration, not a claim that losses cannot occur. The reference allocations above each had losing calendar years.Nominal dollars. Results are not adjusted for inflation. Purchasing power at the end of the horizon will be lower than the figures shown.Gross of fees and taxes. No advisory fees, fund expenses, trading costs, or income and capital gains taxes are deducted.Contribution timing. Contributions are made monthly at month end, and return is credited monthly at the monthly equivalent of the annual rate entered.Not advice. This is an educational illustration only. It is not investment, tax, or legal advice, and not a recommendation of any strategy or security.
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