Put paper money through real history
Pick investments, choose when you start, and see what your money would have become. The prices are real, dividends included. The money is not, so mistakes here cost nothing.
$10,000 invested in Aug 2016 was worth, by Oct 2026,
$22,205
2.2 times the $10,000 you put in. The same money in the S&P 500 would be $41,686.
FHB has only traded since Aug 2016, so this run starts there. Remove it to go further back.
Change the investments or dates- Growth per year
- +8.2%
- S&P 500 +15.1%
- Worst drop
- -32.5%
- Dec 2019 to Mar 2020
- Volatility
- 23%
- S&P 500 15%
- Best year
- +26%
- 2019
- Worst year
- -17%
- 2018
What happened
Your mix grew 8.2% a year, trailing the S&P 500's 15.1% by 6.9% a year.
The roughest stretch ran from Dec 2019 to Mar 2020, when the portfolio fell 32% from its peak. It took 14 months from the old high to get back to it.
Matson was the strongest holding at +21.6% a year; Hawaiian Electric Industries was the weakest at -9.1%.
Every holding here depends on the same island economy. When tourism or a disaster hits Hawaiʻi, they tend to fall together. That shared exposure is called concentration risk.
Slice by slice
What each holding's share of your money became on its own.
- BOH 13%$1,722
- FHB 13%$1,789
- CPF 13%$2,623
- HE 13%$473
- MATX 13%$9,132
- ALK 13%$697
- MLP 13%$2,403
- HST 13%$2,703
Simulator copilot
Ask why your portfolio moved the way it did. The copilot sees the numbers on this page and explains the history behind them.
Monthly closing prices adjusted for dividends and splits, so dividends are reinvested. Portfolios rebalance to your weights each January. No fees or taxes. Prices through Oct 2026, updated 2026-10-21. For learning only. Kuleana Finance explains how money works. It does not tell anyone what to buy or sell.