我请AI 帮忙算：
Estimated SPY DCA Value (1996–2025)
Since exact monthly total return data (with reinvested dividends) for every month from 1996–2025 isn’t directly available in the search results, we can approximate using historical performance metrics and typical DCA patterns:
Assumptions:
Monthly contributions of $100 = total contributions of $36,000 over 30 years (360 months).
Long term total return for SPY with reinvested dividends ≈ 10.5% annualized based on historical data.
Using a DCA formula with a 10.5% annualized return (compounded monthly):
That math yields approximately:
Rough estimate: ≈$260,000–$280,000 total portfolio value by end of 2025 from $100/month DCA into SPY, with dividends reinvested.
我不用小红书，简单按链接意思，请AI计算
数据表明硅谷先生很有智慧～～
