USA

JPMorgan savings plan: what would your monthly amount be worth?

Q: How often did a 10-year plan pay off?

92.7% of periods ended in profit. Best start: Jun 1989 (4.4× what was paid in). Worst start: Feb 1999 (0.6× what was paid in).

Q: Monthly plan or all at once?

Monthly plan: $14,488. All at the start: $24,876. When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

With $50 a month since Nov 2016 you'd have $14,488 today, having paid in $6,000.

Nov 2016Oct 2026

Savings plan table

Monthly amount and time frame, each calculated up to today.

	5 years	10 years	20 years
$25 a month	$2,679$1,500 paid in	$7,244$3,000 paid in	$29,281$6,000 paid in
$50 a month	$5,358$3,000 paid in	$14,488$6,000 paid in	$58,562$12,000 paid in
$100 a month	$10,715$6,000 paid in	$28,975$12,000 paid in	$117,124$24,000 paid in

How often did a 10-year plan pay off?

We calculated every possible 10-year period since Jan 1985 (382 start months).

92.7%

of periods ended in profit

Best start

Jun 1989

4.4× what was paid in

Worst start

Feb 1999

0.6× what was paid in

Typical (median): 1.6× what was paid in

Monthly plan or all at once?

Same money over the last 10 years: $6,000 either spread monthly or invested at the start.

Monthly plan

$14,488

All at the start

$24,876

When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

Calculate your own More about JPMorgan

Values in USD, month-start prices, excluding dividends, costs and taxes. Past performance is no guarantee.