Turn a $20 habit
into a compounding
lifetime portfolio.
Join a community of long-term investors who commit to investing at least $20 every month into the S&P 500. No trading room hype, no signals. Just calm, consistent compounding.
How it works
500 keeps the process as simple as possible. No stock-picking competitions. No FOMO. Just long-term consistency.
You invest through your own brokerage. We never hold or move your money.
Commit to $20+ per month
Choose your preferred S&P 500 ETF or fund (VOO, SPY, CSPX, etc.) in your brokerage and set up a recurring investment of at least $20 monthly.
Log your streak
Each month, confirm your buy inside the club. Track your streak, unlock digital badges, and see your consistency build up over time.
Grow with the community
Join live sessions, read monthly recaps, and hang out with people who are also building calm, compounding portfolios.
Why the S&P 500?
The S&P 500 represents hundreds of the largest U.S. companies across many sectors. Over the very long term, it has historically returned around ~10% per year on average.
At a hypothetical 10% annual return, that habit alone could grow into over $41,000.
Even when you start small, showing up monthly rewires how you think about saving, risk, and the future.
These numbers are illustrations, not guarantees. Markets move up and down and your returns will differ.
This calculator assumes a fixed monthly contribution and a constant annual return compounded monthly. Real markets are volatile and unpredictable. This is not a projection, recommendation, or financial advice.
2–3 quick questions to join 500
Welcome to 500, can we get to meet you?
Monthly market recap
A friendly, no-panic email that translates market moves into plain English for long-term investors.
Streaks & badges
Digital badges for 3, 6, 12+ month streaks. We celebrate the habit, not the daily price swings.
Live sessions
Periodic community calls on compounding, behavior, and staying steady when the market feels wild.
Story spotlights
Member stories from Lagos to London — how they started, what they learned, and the mindset shifts so far.
In-person meetups
Quarterly gatherings in Lagos, the UK, the EU, and beyond to connect, share stories, and celebrate long-term streaks over coffee or dinner.
Future perks
As the club grows, expect in-person meetups, merch, and potential partner perks for long-term members.
Non-custodial by design
500 never holds, moves, or has access to your funds. You choose your broker, your ETF, and your schedule. We exist to educate, support, and keep you consistent — not to touch your money.