the S&P 500, 2010 to June 2024

£10,000 in 2010 is £83,389 in today's money

That £10,000 was £18,388 in today's money. So you multiplied what you actually had by 4.5×, not 8.0×.

15.5% a year11.1% a year after inflation£79,958 in June 2024 money

S&P 500 data ends June 2024, so that is where this stops — not today.

Total return in sterling, dividends reinvested, before costs and tax.

Of £83,389, £18,388 is money you put in and the rest is growth

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The same money elsewhere

Same amount, same years, same contributions. Figures are in today's money, after any charges, before tax.

Instead	In today's money	Real multiple
A UK houseUK house, to December 2025	£16,885	0.9×
Cash at Bank Ratecash	£12,550	0.7×
A 60/40 portfolio60/40, to June 2024	£38,060	2.1×
An 80/20 portfolio80/20, to June 2024	£55,674	3.0×
Just keeping up with pricesinflation, to December 2025	£18,388	1.0×
The S&P 500	£83,389	4.5×

What this leaves out

Tax, dealing costs and the spread. Anyone actually saving would have changed their mind at least once. Past returns are a record of what happened, not a forecast — the future is genuinely unknown, and none of this is advice.