# How to view performance history if we invested in the past?

I want to look at a scenario to see how the Getty Trust with \$1.2 billion in 1982 would have performed had it stayed with just an index fund such as S&P 500. Bonus, if there is a way to take out 5% each year from the trust fund.

I tried using Yahoo! daily export to CSV. I get that \$1.2 billion would be a specific number of shares per day. I also understand the value today would be about \$20 billion. I just don't know how to take out 5% each year as an operating budget.

I've downloaded an S&P 500 fund data you point to over the time period from February 1982 until the present, and made an attempt to set up a spreadsheet that removes the fraction in cell `K1` from the value of number of shares in the fund at or close to the March 1st anniversary dates.

Below is a plot that shows three scenarios:

• Not removing anything from the fund (blue).
• Removing 5% from the fund every anniversary date (red).
• Removing 10% from the fund every anniversary date (green).

Note that this takes zero account of dividends paid by the fund, which should also probably be taken into account.

• I guess since the current value of the Trust is \$6.7 billion, it is beating the index by a large margin. Thanks for the analysis. I am still not sure how you removed the 5% and 10% by calculation, but I appreciate the analysis.
– Sun
Feb 17, 2015 at 19:51
• If you check in the cells showing the number of "shares" in the S&P 500, it just carries on except for every anniversary date. On that date, I just multiply the previous number of shares by `1-K1` and so the number is reduced (provided `K1` is positive!). Feb 17, 2015 at 20:18
• Also, don't forget those dividends. That probably won't make up the entire difference between what is calculated and \$6.7 billion, but it will probably make up a bit. Feb 17, 2015 at 20:20
• That's not in the Yahoo! CSV I though. Or perhaps I missed that as a feature.
– Sun
Feb 17, 2015 at 20:24
• No, I added a few columns and converted to a Microsoft Excel file... and uploaded it to Google Drive. The data is columns `A` through `G` is straight out of Yahoo. Feb 17, 2015 at 20:25