OriginaveMonthly returns
Follow a $10,000 investment through the year — your balance at the end of every month, in dollars and percent.
Ticker
VGTtracks the MSCI US IMI Information Technology 25/50 Index
Which strategy won in 2026 so far?
Same $10,000 into VGT, two ways: everything on day one (lump sum), or $833 at the start of every month (dollar-cost averaging).
Lump sum ends with
$12,713
+27.13% · all in on day one
DCA ends with
$11,160
+23.19% on $5,000 paid in, plus $5,000 cash still waiting
Difference
+$1,554
Investing everything on day one won in 2026 so far.
Lump sum: $10,000 into VGT 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 | $9,922 | −$78 | -0.78% | 8 |
| Feb | $9,641 | −$282 | -2.84% | 11 |
| Mar | $9,266 | −$375 | -3.89% | 13 |
| Apr | $10,962 | +$1,696 | +18.31% | 11 |
| May | $12,862 | +$1,900 | +17.33% | 15 |
| Jun | $12,713 | −$148 | -1.15% | 15 |
You invested
$10,000
all in on day one
You end with
$12,713
by the end of Jun 2026
Result
+$2,713
+27.13%
Dollar-cost averaging: $833 into VGT 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 | $827 | −$6 | -0.78% | 8 |
| Feb | $1,667 | $1,613 | −$47 | -2.84% | 11 |
| Mar | $2,500 | $2,351 | −$95 | -3.89% | 13 |
| Apr | $3,333 | $3,768 | +$583 | +18.31% | 11 |
| May | $4,167 | $5,398 | +$797 | +17.33% | 15 |
| Jun | $5,000 | $6,160 | −$72 | -1.15% | 15 |
You paid in
$5,000
$833 × 6 months
You end with
$6,160
by the end of Jun 2026
Gain
+$1,160
+23.19% on the money paid in