Compare two investments
Pick any two asset types, set your amount and years — see what each would return.
First option
Second option
€20,000
10 years
None (one-time only)
Equity ETF
€41,221
+€21,221 (106%)
Bond fund
€29,605
+€9,605 (48%)
How €20,000 grows over 10 years
Plain-language summary
Equity ETFs aim for higher long-term growth, while bond funds give steadier, calmer returns. If you can accept short-term dips and have 5+ years, equity is likely to end higher. If you need predictability, bonds are the calmer choice.
Equity ETF
In a major crisis (like 2008) the fund value can drop 30–40% temporarily. It historically recovered within 3–5 years.
Bond fund
If interest rates rise sharply, bond values can temporarily fall 5–10%. This usually recovers over 1–2 years.
Returns shown are historical averages — not guaranteed. Educational only, not financial advice.