Did you beat
the index?
No.

Your actual result vs. the laziest possible alternative — a global index fund, dividends reinvested, zero effort. Net of fees and friction on both sides. No spin.

92%
of US active funds underperform
their benchmark over 20 years
98%
of European global equity funds
trail over 10 years
$0
in alpha destroyed globally
since you opened this page
Step 1 — what you did
Total invested, not monthly
Step 2 — your actual result (pick one)
Current value of that investment
Total %, not annualised (e.g. 90 means a 90% total gain)
Your ending value
Lazy default (MSCI ACWI)
The gap
Your percentile vs. investors who made the same choice, same period
Bottom 25th Median 75th Top
Copied
Your number, not the median
We use what you actually ended up with — not what the average investor of your type returned. The verdict is specific to you.
Friction on both legs
The index benchmark is net of ETF TER and entry costs. Your asset gets no free pass. We account for the full holding period on both sides.
When you win, we say so
If your number beats the lazy default, the page turns green. The rare honest win is what makes every "No" credible.

The scoreboard

What each asset returned over the long run vs. the lazy default — a global index fund. Real (inflation-adjusted) annualised returns. The wall is mostly red on purpose.

What you could have done Typical real return p.a. vs. global index (~5% real) Verdict
Active / mutual funds
92% of US funds lag over 20yr · 98% of EU global-equity funds over 10yr (SPIVA)
 ~3.5% −1.5% No
Individual stock-picking
Median investor lags the asset itself by 1.5–2% p.a. on timing (DALBAR)
 ~3.3% −1.7% No
Gold
Inflation hedge, not a compounder. Real CAGR since 1970
 ~2.1% −2.9% No
Cash / savings account
Structurally negative in real terms. Inflation is the silent tax
 ~−1.0% −6.0% No
Residential property
Jordà et al., 16 countries 1870–2015. Matches equities at lower volatility — leverage and rent shift it further
 ~6.6% +1.6% Toss-up
Crypto (the asset)
The asset won big — but the median buyer lagged it badly on entry timing
 high / wild + (volatile) Yes*

The global index — MSCI ACWI, dividends reinvested — has returned ~5% real per year over the long run. Two things beat it: property (once you account for leverage and rent) and crypto as an asset. But the median crypto investor still lagged, because the asset winning and you winning are different things. On the money alone, doing nothing has been hard to beat. Sources: SPIVA (S&P Global), DALBAR, Jordà et al. (The Rate of Return on Everything).