Tools

Profit Simulator

Test how much you might have earned by investing in a specific index or ETF over time. You can explore what the outcome might have been if you had made a one-time investment, invested monthly or combined both approaches over a selected historical period.

This tool can help make long-term investing feel more real, because it connects investing behaviour to actual past market performance. It is useful for seeing how time in the market, regular contributions and patience could have affected results in practice. It can also highlight how much difference there is between a one-time investment and a steady monthly plan.

At the same time, it is important to read the results correctly. Past performance does not guarantee future returns. The purpose of this simulator is not to suggest that the future will repeat the past exactly. It is to help you understand how investing into broad market products has worked over time, and why steady investing can be such a powerful habit.

To help you get started, we include a curated set of low-cost index examples and their UCITS ETF examples commonly used in Europe. An index is simply a rule-based snapshot of a market (for example, global stocks), and an ETF is a fund designed to track such an index. We highlight low-cost, diversified examples because they make it easier to focus on the fundamentals: broad exposure, simplicity, and keeping more of your return after costs.

Good for: testing historical scenarios, comparing lump-sum and monthly investing and making long-term investing easier to visualise.

Try this: compare a one-time investment with monthly investing into the same index over the same period.