All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)

Total Real Returns

VFINX vs. AAPL vs. MSFT: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

Growth of $10,000

Thu 1986-03-13💬 to Mon 2026-10-19 Overall
Return 		Exponential
Trendline
VFINX × 		+2,082.66%
+7.89%/yr 		+6.91%/yr
R2=0.914
Vanguard 500 Index Fund Investor Shares Mutual Fund
AAPL × 		+131,052.08%
+19.34%/yr 		+19.88%/yr
R2=0.873
Apple Inc. NASDAQ Common Stock
MSFT × 		+292,121.69%
+21.72%/yr 		+16.16%/yr
R2=0.861
Microsoft Corporation NASDAQ Common Stock

Growth of $10,000 Summary

Thu 1986-03-13💬 to Mon 2026-10-19 Start
Value 		End
Value
VFINX × 		$10,000.00
1986-03-13 		$218,266.01
2026-10-19
AAPL × 		$10,000.00
1986-03-13 		$13,115,208.17
2026-10-19
MSFT × 		$10,000.00
1986-03-13 		$29,222,168.90
2026-10-19

This Year’s Performance

through 2026-10-19

  YTD YoY
VFINX × 		+8.70% +12.10%
AAPL × 		+21.42% +31.19%
MSFT × 		+6.57% +0.71%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
VFINX × 		−2.14%
on 2026-10-19
from 2026-08-13 peak 		−58.52%
on 2009-03-09
from 2000-03-23 peak
AAPL × 		−0.18%
on 2026-10-19
from 2026-10-16 peak 		−84.31%
on 1997-12-23
from 1991-04-02 peak
MSFT × 		−4.61%
on 2026-10-19
from 2025-10-28 peak 		−75.74%
on 2009-03-09
from 1999-12-27 peak

Rolling Returns

Period ending Mon 2026-10-19 1 yr 2 yr 3 yr 5 yr 10 yr
VFINX × 		+12.10% +25.25%
+11.92%/yr 		+69.66%
+19.27%/yr 		+48.16%
+8.18%/yr 		+199.73%
+11.60%/yr
AAPL × 		+31.19% +37.53%
+17.27%/yr 		+80.57%
+21.77%/yr 		+93.03%
+14.06%/yr 		+816.43%
+24.80%/yr
MSFT × 		+0.71% +21.13%
+10.06%/yr 		+50.22%
+14.53%/yr 		+47.30%
+8.05%/yr 		+647.50%
+22.28%/yr

Annual Returns

Year VFINX AAPL MSFT
2026 (YTD) +8.70% +21.42% +6.57%
2025 +14.65% +6.21% +12.57%
2024 +21.34% +27.04% +9.76%
2023 +22.03% +44.18% +53.07%
2022 −23.21% −30.87% −32.40%
2021 +20.08% +25.80% +42.45%
2020 +17.14% +79.86% +40.62%
2019 +28.40% +84.74% +54.04%
2018 −6.33% −7.16% +18.54%
2017 +19.14% +45.39% +37.82%
2016 +9.56% +10.20% +12.74%
2015 +0.50% −3.72% +21.80%
2014 +12.67% +39.57% +26.61%
2013 +30.21% +6.47% +42.16%
2012 +13.85% +30.31% +3.98%
2011 −0.98% +21.94% −7.27%
2010 +13.22% +50.81% −7.90%
2009 +23.17% +140.36% +56.22%
2008 −37.08% −56.95% −44.44%
2007 +1.25% +124.30% +16.09%
2006 +12.80% +15.11% +12.99%
2005 +1.30% +115.86% −4.22%
2004 +7.25% +191.84% +5.69%
2003 +26.13% +46.39% +4.85%
2002 −23.98% −36.08% −23.77%
2001 −13.38% +45.01% +50.41%
2000 −12.04% −72.02% −64.07%
1999 +17.92% +144.59% +63.96%
1998 +26.58% +206.77% +111.20%
1997 +30.95% −38.14% +53.81%
1996 +18.92% −36.60% +82.27%
1995 +34.04% −19.39% +40.00%
1994 −1.46% +31.64% +47.67%
1993 +7.21% −51.76% −8.09%
1992 +5.19% +3.89% +11.87%
1991 +28.13% +28.42% +115.17%
1990 −8.91% +16.35% +63.01%
1989 +22.68% −15.49% +56.14%
1988 +10.06% −7.45% −5.99%
1987 −0.44% +99.68% +115.33%
1986 +8.11% +82.02% +70.17%
1985 +18.12% −27.21% —
1984 −0.27% +14.93% —
1983 +12.80% −21.41% —
1982 +14.86% +30.12% —
1981 −16.04% −40.45% —
1980 +13.66% +17.98% —
1979 −2.24% — —