What if I had invested in Xiaomi
Every lump sum scenario for Xiaomi, start year by start year, using real prices and each month's exchange rate.
Since July 2018, Xiaomi (a stock listed in Hong Kong and quoted in Hong Kong dollars) returned only +6.1% a year in dollar terms, +63.5% over over 8 years. Its record monthly close, HK$59.95 in June 2025, is still far off: the current price, HK$28.76, is 52.0% below it, split-adjusted. Of the 100 possible purchase months since July 2018, 79% would show a gain today for a lump sum: the entry point mattered.
Data: Yahoo Finance monthly closing prices, up to date as of (latest update November 4, 2026) MethodAuthor: Yann Avondo
If I had invested $1,000 as a lump sum in Xiaomi in January 2019, today I would have $2,222
Over the same period
Worst moment: −73.7% between December 2020 and October 2022. To get this result, you had to hold on without selling.
Xiaomi at a glance
Xiaomi sells smartphones, connected devices and, since 2024, electric cars. Listed in Hong Kong in 2018, the stock disappointed for years before soaring on the success of its SU7 sedan.
Its worst fall, 73.7% in dollar terms between December 2020 and October 2022, was only erased in December 2024, 4 years after the peak. Year-to-year swings are extreme: +208.0% in 2020, −43.1% in 2021. Of 7 full calendar years, 4 ended higher. Against the MSCI World, this calculator's yardstick (+10.4% a year in dollar terms over the same period), Xiaomi did worse.
$1,000 invested in Xiaomi, by start year
Bought in January, valued at the latest price. Click a year for the full story.
| Start | Worth today | Multiple | Per year |
|---|---|---|---|
| $821 | ×0.82 | −9.8% | |
| $1,835 | ×1.84 | +23.1% | |
| $2,618 | ×2.62 | +27.9% | |
| $1,512 | ×1.51 | +8.8% | |
| $860 | ×0.86 | −2.5% | |
| $2,648 | ×2.65 | +15.1% | |
| $2,222 | ×2.22 | +10.6% |
Lump sum or DCA in Xiaomi?
Since January 2019, investing in Xiaomi all at once (lump sum) multiplied the stake by ×2.22, +10.6% a year. Investing every month (DCA) multiplied the total contributions by ×1.76, an annual return (IRR) of +13.9%.
Here DCA did better: spreading the purchases avoided putting all the money in at the wrong time.
Frequently asked questions
What if I had invested $1,000 in Xiaomi in 2020?
Invested in January 2020, $1,000 would be worth about $2,648 today, +15.1% a year on average.
What was the best year to invest in Xiaomi?
Among the start years covered, 2020 gave the best result: $1,000 would have become $2,648. The weakest was 2025, worth $821 today. This ranking is only known with hindsight.
Are dividends included?
By default, the calculation follows the market price only. The "Reinvest dividends" option uses the adjusted price, which includes dividends paid and stock splits: the closest measure of what an investor actually earned.
Are exchange rates taken into account?
Yes. Xiaomi trades in its own currency; every purchase and valuation is converted at that month's exchange rate. A US asset can gain in dollars and less in euros if the dollar weakened.
Are fees and taxes included?
No: results are before brokerage fees, fund fees and taxes. Your net result depends on the account you invest through.
Compare with
Before you have regrets
What this calculation does not tell you.
Hindsight bias
Picking Nvidia or Bitcoin today means picking known winners. Back then, nothing set them apart from hundreds of assets that went nowhere or vanished.
Holding on was the real test
The result assumes you never sold, including through the drawdowns shown above. Very few investors actually do.
The broad market, no bet required
The MSCI World never makes headlines, but it does not require guessing the winner. It is the fairest yardstick for any pick.
Method: past performance, computed from split-adjusted monthly closing prices (intra-month lows are smoothed out). Converted at each month’s exchange rate; no fees, no taxes. The MSCI World benchmark is the price index, excluding dividends. Sources: Yahoo Finance (prices, exchange rates, US Treasury bills), Eurostat (inflation), published regulated rates (Livret A). Not investment advice. NokxiHub.