If You'd Invested $10,000 in an S&P 500 ETF During the Last Bear Market, Here's How Much You'd Have Today

Source Motley_fool

Key Points

  • Even if you put money to work just before the last bear market started, in theory making a terrible timing call, you’d have captured a 73% total return.

  • Investors who were lucky enough to buy in at the very end of the last bear market posted a stellar 129% total return.

  • 10 stocks we like better than S&P 500 Index ›

The S&P 500 index (SNPINDEX: ^GSPC) is near all-time highs right now. However, the world's preeminent stock market benchmark doesn't go up and to the right in a smooth and straight line. There is volatility that investors must deal with. And equity prices can be in down cycles for long periods of time.

But it always pays to adopt a long-term mentality. If you'd invested $10,000 in an S&P 500 exchange-traded fund (ETF) during the last bear market, here's how much you'd have today.

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Bull and bear figures on top of stock data sheets.

Image source: Getty Images.

The most recent bear market lasted from early January 2022 to mid-October of that year. Let's say you purchased $10,000 in an S&P 500 ETF on Jan. 3, 2022, the absolute worst time just before the market started its descent. As of Sept. 28, you'd have captured a 73% total return, growing that starting capital to $17,300.

This clearly demonstrates that even if you put money to work at record highs, the market can reward you with sizable gains.

Now let's assume that you were able to precisely time your buy. If you purchased an S&P 500 ETF on Oct. 12, 2022, before the market began to rise, a $10,000 initial investment would be worth $22,900, equating to a total return of 129%.

The takeaway from this performance is that buying the dip can be incredibly lucrative.

Should you buy stock in S&P 500 Index right now?

Before you buy stock in S&P 500 Index, consider this:

The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and S&P 500 Index wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.

Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $379,123!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,396,103!*

Now, it’s worth noting Stock Advisor’s total average return is 933% — a market-crushing outperformance compared to 212% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors.

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*Stock Advisor returns as of October 1, 2026.

Neil Patel has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Disclaimer: For information purposes only. Past performance is not indicative of future results.
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