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

Total Real Returns

VFINX vs. SPY vs. FBNDX vs. VBMFX vs. VWELX: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

Growth of $10,000

Fri 1993-01-29πŸ’¬ to Tue 2026-10-27 Overall
Return
Exponential
Trendline
VFINX
×
+1,271.28%
+8.07%/yr
+6.37%/yr
R2=0.852
Vanguard 500 Index Fund Investor Shares Mutual Fund
SPY
×
+1,249.96%
+8.02%/yr
+6.37%/yr
R2=0.852
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
FBNDX
×
+80.30%
+1.76%/yr
+2.07%/yr
R2=0.786
Fidelity Investment Grade Bond Fund Mutual Fund
VBMFX
×
+72.15%
+1.62%/yr
+1.97%/yr
R2=0.703
Vanguard Total Bond Market Index Fund Investor Shares Mutual Fund
VWELX
×
+1,076.57%
+7.58%/yr
+6.88%/yr
R2=0.958
Vanguard Wellington Fund Investor Shares Mutual Fund

Growth of $10,000 Summary

Fri 1993-01-29πŸ’¬ to Tue 2026-10-27 Start
Value
End
Value
VFINX
×
$10,000.00
1993-01-29
$137,127.78
2026-10-27
SPY
×
$10,000.00
1993-01-29
$134,995.52
2026-10-27
FBNDX
×
$10,000.00
1993-01-29
$18,030.04
2026-10-27
VBMFX
×
$10,000.00
1993-01-29
$17,214.76
2026-10-27
VWELX
×
$10,000.00
1993-01-29
$117,656.77
2026-10-27

This Year’s Performance

through 2026-10-27

  YTD YoY
VFINX
×
+9.07% +8.99%
SPY
×
+9.10% +9.05%
FBNDX
×
βˆ’5.15% βˆ’5.12%
VBMFX
×
βˆ’5.24% βˆ’5.17%
VWELX
×
+2.86% +3.84%

Drawdowns

  Current
Drawdown
Worst
Drawdown
VFINX
×
βˆ’1.81%
on 2026-10-27
from 2026-08-13 peak
βˆ’58.52%
on 2009-03-09
from 2000-03-23 peak
SPY
×
βˆ’1.83%
on 2026-10-27
from 2026-08-13 peak
βˆ’58.55%
on 2009-03-09
from 2000-03-24 peak
FBNDX
×
βˆ’24.22%
on 2026-10-27
from 2020-08-06 peak
βˆ’29.62%
on 2023-10-19
from 2020-08-06 peak
VBMFX
×
βˆ’26.46%
on 2026-10-27
from 2020-08-04 peak
βˆ’30.93%
on 2023-10-19
from 2020-08-04 peak
VWELX
×
βˆ’1.65%
on 2026-10-27
from 2026-08-06 peak
βˆ’37.24%
on 2009-03-09
from 2007-10-09 peak

Rolling Returns

Period ending Tue 2026-10-27 1 yr 2 yr 3 yr 5 yr 10 yr
VFINX
×
+8.99% +26.93%
+12.66%/yr
+76.86%
+20.93%/yr
+47.92%
+8.14%/yr
+202.39%
+11.70%/yr
SPY
×
+9.05% +27.03%
+12.71%/yr
+76.98%
+20.96%/yr
+48.25%
+8.19%/yr
+202.46%
+11.70%/yr
FBNDX
×
βˆ’5.12% βˆ’1.49%
βˆ’0.75%/yr
+6.71%
+2.19%/yr
βˆ’18.64%
βˆ’4.04%/yr
βˆ’13.41%
βˆ’1.43%/yr
VBMFX
×
βˆ’5.17% βˆ’1.76%
βˆ’0.88%/yr
+5.51%
+1.81%/yr
βˆ’19.92%
βˆ’4.35%/yr
βˆ’18.53%
βˆ’2.03%/yr
VWELX
×
+3.84% +17.97%
+8.61%/yr
+46.16%
+13.49%/yr
+18.56%
+3.46%/yr
+86.68%
+6.44%/yr

Annual Returns

Year VFINX SPY FBNDX VBMFX VWELX
2026 (YTD) +9.07% +9.10% βˆ’5.15% βˆ’5.24% +2.86%
2025 +14.65% +14.65% +4.54% +4.26% +13.51%
2024 +21.34% +21.39% βˆ’0.92% βˆ’1.69% +11.52%
2023 +22.03% +22.09% +3.01% +2.20% +10.59%
2022 βˆ’23.21% βˆ’23.15% βˆ’18.95% βˆ’18.51% βˆ’19.56%
2021 +20.08% +20.27% βˆ’7.42% βˆ’8.21% +11.17%
2020 +17.14% +16.74% +8.46% +6.19% +9.08%
2019 +28.40% +28.29% +7.39% +6.20% +19.78%
2018 βˆ’6.33% βˆ’6.35% βˆ’2.23% βˆ’1.99% βˆ’5.24%
2017 +19.14% +19.19% +1.96% +1.33% +12.35%
2016 +9.56% +9.73% +3.02% +0.42% +8.77%
2015 +0.50% +0.50% βˆ’2.28% βˆ’0.43% βˆ’0.18%
2014 +12.67% +12.61% +5.05% +4.98% +9.01%
2013 +30.21% +30.35% βˆ’3.21% βˆ’3.70% +17.92%
2012 +13.85% +14.01% +4.44% +2.30% +10.64%
2011 βˆ’0.98% βˆ’1.04% +4.80% +4.49% +0.87%
2010 +13.22% +13.36% +6.84% +4.75% +9.30%
2009 +23.17% +23.01% +12.99% +3.14% +19.00%
2008 βˆ’37.08% βˆ’36.85% βˆ’6.90% +4.99% βˆ’22.37%
2007 +1.25% +1.01% βˆ’1.40% +2.75% +4.07%
2006 +12.80% +13.00% +2.28% +1.75% +12.14%
2005 +1.30% +1.35% βˆ’0.51% βˆ’0.97% +3.28%
2004 +7.25% +7.21% +1.35% +0.99% +7.67%
2003 +26.13% +25.82% +2.81% +1.99% +18.52%
2002 βˆ’23.98% βˆ’23.41% +6.85% +5.91% βˆ’9.07%
2001 βˆ’13.38% βˆ’13.10% +7.18% +6.74% +2.59%
2000 βˆ’12.04% βˆ’12.70% +7.26% +7.79% +7.25%
1999 +17.92% +17.24% βˆ’3.58% βˆ’2.32% +29.55%
1998 +26.58% +26.65% +6.30% +6.91% +11.42%
1997 +30.95% +31.24% +7.11% +7.64% +21.17%
1996 +18.92% +18.63% βˆ’0.23% +0.29% +12.38%
1995 +34.04% +34.61% +12.70% +15.32% +29.63%
1994 βˆ’1.46% βˆ’2.22% βˆ’7.77% βˆ’5.14% βˆ’3.06%
1993 +7.21% +6.22% +13.16% +6.80% +10.63%
1992 +5.19% — +5.33% +4.24% +8.56%
1991 +28.13% — +15.44% +11.91% +18.44%
1990 βˆ’8.91% — βˆ’0.03% +2.45% βˆ’8.41%
1989 +22.68% — +8.13% +8.67% +20.38%
1988 +10.06% — +3.47% +2.89% +15.36%
1987 βˆ’0.44% — βˆ’4.08% βˆ’2.71% βˆ’1.06%
1986 +8.11% — +12.49% βˆ’0.66% +14.49%
1985 +18.12% — +16.84% — +21.25%
1984 βˆ’0.27% — +7.63% — βˆ’1.27%
1983 +12.80% — +2.83% — +7.02%
1982 +14.86% — +25.55% — +14.46%
1981 βˆ’16.04% — βˆ’4.46% — βˆ’13.33%
1980 +13.66% — βˆ’9.00% — +0.95%
1979 βˆ’2.24% — βˆ’0.17% — +0.04%