gtaa3
equal_weight
Strategy Description
GTAA 3 Equal-Weight with monthly rebalancing (1998-2026)
Universe: ["GSG", "IAU", "VBK", "VWO", "VBR", "VEA", "VTV", "VCIT", "VGIT", "IGOV", "EFA", "QQQ", "VNQ", "MTUM", "VGLT"]
Rebalance Frequency: monthly | Period: January 1, 1998 to May 1, 2026 | Top N: 3
Portfolio Value Over Time
After-tax performance
Performance Summary
27.3 years of data
| Metric | Value |
|---|---|
| Period | January 1, 1998 to May 1, 2026 (27.3 years) |
| After-Tax CAGR | 6.69% |
| Pre-Tax CAGR | 9.82% |
| Tax Drag | 3.13% |
| Final Value (After-Tax) | $58,758 (from $10,000) |
| Final Value (Pre-Tax) | $129,439 |
| Total Taxes Paid | $24,953 |
| Effective Tax Rate | 20.9% on gains |
| Total Transactions | 1146 (42 per year) |
| Maximum Drawdown | -27.40% |
Drawdown Analysis
Top 5 drawdowns
| Rank | Drawdown | Peak Date | Trough Date | Recovery Date | Duration |
|---|---|---|---|---|---|
| 1 | -27.40% | Nov, 2007 | Oct, 2008 | Apr, 2011 | 41 mo |
| 2 | -18.15% | Jun, 2002 | Jul, 2002 | Oct, 2003 | 16 mo |
| 3 | -15.32% | Sep, 2021 | Dec, 2022 | Feb, 2024 | 29 mo |
| 4 | -14.64% | Dec, 2014 | Jan, 2016 | Jul, 2017 | 31 mo |
| 5 | -14.49% | Mar, 2000 | Nov, 2000 | Mar, 2002 | 24 mo |
Rolling Period Analysis
Best and worst CAGR for rolling periods
| Period | Best CAGR | Best Period | Worst CAGR | Worst Period |
|---|---|---|---|---|
| 1-Year | 38.47% | 2020-04-30 to 2021-04-30 | -27.40% | 2007-10-31 to 2008-10-31 |
| 3-Year | 19.55% | 2003-04-30 to 2006-04-30 | -3.62% | 2000-03-31 to 2003-03-31 |
| 5-Year | 16.54% | 2002-10-31 to 2007-10-31 | -2.21% | 2007-10-31 to 2012-10-31 |
| 10-Year | 9.64% | 2016-02-29 to 2026-02-28 | 2.80% | 2007-10-31 to 2017-10-31 |
Annual Returns
28 years
| Year | Pre-Tax Return | After-Tax Return | Tax Drag | Pre-Tax Value | After-Tax Value |
|---|---|---|---|---|---|
| 2026 | -1.63% | -6.46% | 4.83% | $129,439 | $58,758 |
| 2025 | 18.79% | 14.20% | 4.59% | $123,999 | $59,057 |
| 2024 | 13.09% | 10.20% | 2.89% | $99,458 | $49,259 |
| 2023 | 9.00% | 9.00% | 0.00% | $88,303 | $44,882 |
| 2022 | -4.79% | -4.81% | 0.02% | $78,709 | $40,005 |
| 2021 | 11.37% | 0.54% | 10.83% | $84,108 | $42,871 |
| 2020 | 29.72% | 26.49% | 3.22% | $74,897 | $42,280 |
| 2019 | 5.16% | 2.76% | 2.41% | $58,285 | $33,741 |
| 2018 | -6.34% | -9.39% | 3.05% | $54,735 | $32,426 |
| 2017 | 18.87% | 15.51% | 3.36% | $53,856 | $32,957 |
| 2016 | 8.92% | 8.89% | 0.03% | $45,365 | $28,570 |
| 2015 | -7.70% | -8.95% | 1.25% | $43,696 | $27,535 |
| 2014 | 13.61% | 7.24% | 6.36% | $45,309 | $28,903 |
| 2013 | 19.42% | 15.76% | 3.67% | $40,675 | $27,493 |
| 2012 | -0.82% | -1.20% | 0.38% | $32,923 | $22,957 |
| 2011 | -5.27% | -5.26% | -0.01% | $32,248 | $22,574 |
| 2010 | 14.59% | 9.39% | 5.20% | $33,558 | $23,486 |
| 2009 | 19.80% | 17.41% | 2.39% | $31,537 | $23,157 |
| 2008 | -17.85% | -17.85% | -0.00% | $25,917 | $19,418 |
| 2007 | 20.05% | 13.14% | 6.91% | $30,721 | $22,979 |
| 2006 | 14.41% | 6.32% | 8.09% | $24,832 | $19,695 |
| 2005 | 14.00% | 14.00% | -0.00% | $19,837 | $16,930 |
| 2004 | 7.77% | 1.75% | 6.02% | $17,727 | $15,136 |
| 2003 | 30.95% | 26.01% | 4.94% | $16,548 | $14,967 |
| 2002 | 0.33% | -0.64% | 0.97% | $12,632 | $11,874 |
| 2001 | -4.11% | -4.52% | 0.41% | $12,113 | $11,496 |
| 2000 | -1.62% | -3.14% | 1.53% | $12,270 | $11,690 |
| 1999 | 30.03% | 25.97% | 4.06% | $13,002 | $12,597 |
Monthly Returns
Last 120 months | 329 total
| Date | Pre-Tax Return | After-Tax Return | Pre-Tax Value | After-Tax Value | Holdings |
|---|---|---|---|---|---|
| May, 2026 | -0.03% | -4.91% | $129,439 | $58,758 | GSG,QQQ,MTUM |
| Apr, 2026 | 1.98% | 1.98% | $129,483 | $61,794 | GSG,QQQ,MTUM |
| Mar, 2026 | -8.86% | -8.86% | $126,973 | $60,595 | IAU,VEA,GSG |
| Feb, 2026 | 5.87% | 5.84% | $139,316 | $66,485 | IAU,VEA,VWO |
| Jan, 2026 | 6.12% | 6.37% | $131,588 | $62,818 | IAU,VEA,VWO |
| Dec, 2025 | 1.57% | -2.38% | $123,999 | $59,057 | IAU,VEA,VWO |
| Nov, 2025 | 1.25% | 1.25% | $122,081 | $60,498 | IAU,QQQ,VEA |
| Oct, 2025 | 2.50% | 2.50% | $120,570 | $59,749 | IAU,QQQ,VWO |
| Sep, 2025 | 5.75% | 5.75% | $117,625 | $58,290 | IAU,QQQ,MTUM |
| Aug, 2025 | 2.31% | 2.31% | $111,234 | $55,123 | IAU,QQQ,VWO |
| Jul, 2025 | -0.51% | -0.51% | $108,720 | $53,877 | IAU,MTUM,QQQ |
| Jun, 2025 | 2.57% | 2.57% | $109,278 | $54,153 | IAU,VEA,MTUM |
| May, 2025 | 1.58% | 1.58% | $106,538 | $52,796 | IAU,VEA,MTUM |
| Apr, 2025 | 1.81% | 1.81% | $104,885 | $51,976 | IAU,VEA,IGOV |
| Mar, 2025 | -1.79% | -1.79% | $103,016 | $51,050 | IAU,VWO |
| Feb, 2025 | 0.49% | 0.52% | $104,890 | $51,979 | MTUM,IAU,QQQ |
| Jan, 2025 | 4.95% | 4.98% | $104,381 | $51,712 | MTUM,IAU,VBK |
| Dec, 2024 | -3.58% | -6.04% | $99,458 | $49,259 | MTUM,IAU,QQQ |
| Nov, 2024 | 2.72% | 2.72% | $103,149 | $52,427 | MTUM,VBK |
| Oct, 2024 | 0.26% | 0.26% | $100,416 | $51,038 | MTUM,IAU,VNQ |
| Sep, 2024 | 3.76% | 3.76% | $100,157 | $50,907 | MTUM,IAU,VNQ |
| Aug, 2024 | 1.82% | 1.82% | $96,524 | $49,060 | MTUM,IAU,VNQ |
| Jul, 2024 | -1.16% | -1.16% | $94,796 | $48,182 | MTUM,IAU,VBR |
| Jun, 2024 | 2.93% | 2.93% | $95,911 | $48,748 | QQQ,MTUM,IAU |
| May, 2024 | 3.85% | 3.85% | $93,184 | $47,362 | QQQ,MTUM,VBR |
| Apr, 2024 | -5.25% | -5.25% | $89,734 | $45,609 | QQQ,MTUM,IAU |
| Mar, 2024 | 1.39% | 1.39% | $94,708 | $48,137 | QQQ,MTUM,VBR |
| Feb, 2024 | 6.21% | 6.21% | $93,405 | $47,475 | QQQ,MTUM |
| Jan, 2024 | -0.40% | -0.40% | $87,948 | $44,701 | QQQ,VTV,MTUM |
| Dec, 2023 | 3.99% | 3.99% | $88,303 | $44,882 | QQQ,VBK,VBR |
| Nov, 2023 | 2.17% | 2.17% | $84,912 | $43,158 | QQQ,IAU,VEA |
| Oct, 2023 | -1.85% | -1.85% | $83,113 | $42,244 | QQQ,GSG |
| Sep, 2023 | -2.07% | -2.07% | $84,678 | $43,039 | QQQ,GSG,BIL |
| Aug, 2023 | -1.92% | -1.92% | $86,471 | $43,950 | QQQ,GSG,MTUM |
| Jul, 2023 | 3.71% | 3.71% | $88,165 | $44,812 | QQQ,VBK,VBR |
| Jun, 2023 | 2.80% | 2.80% | $85,012 | $43,209 | VEA,QQQ,VBK |
| May, 2023 | 0.94% | 0.94% | $82,693 | $42,030 | IAU,VEA,QQQ |
| Apr, 2023 | 1.35% | 1.35% | $81,927 | $41,641 | IAU,VEA,QQQ |
| Mar, 2023 | 1.64% | 1.64% | $80,835 | $41,086 | IAU,VEA,QQQ |
| Feb, 2023 | -1.83% | -1.83% | $79,532 | $40,423 | IAU,VBR,VEA |
| Jan, 2023 | 2.93% | 2.93% | $81,015 | $41,177 | IAU,VBR |
| Dec, 2022 | -1.77% | -1.77% | $78,709 | $40,005 | IAU,VTV,BIL |
| Nov, 2022 | 0.21% | 0.21% | $80,123 | $40,724 | VBR,BIL |
| Oct, 2022 | 0.16% | 0.16% | $79,955 | $40,639 | BIL |
| Sep, 2022 | -2.31% | -2.31% | $79,828 | $40,574 | BIL |
| Aug, 2022 | -0.85% | -0.85% | $81,717 | $41,534 | GSG,BIL |
| Jul, 2022 | -0.21% | -0.21% | $82,422 | $41,892 | GSG,BIL |
| Jun, 2022 | -5.19% | -5.19% | $82,599 | $41,982 | GSG,BIL |
| May, 2022 | 0.84% | 0.84% | $87,117 | $44,279 | GSG,VTV,BIL |
| Apr, 2022 | -0.80% | -0.80% | $86,388 | $43,908 | GSG,IAU,BIL |
| Mar, 2022 | 3.55% | 3.49% | $87,082 | $44,261 | GSG,VTV,IAU |
| Feb, 2022 | 1.72% | 1.76% | $84,094 | $42,768 | GSG,VTV,IAU |
| Jan, 2022 | -1.71% | -1.96% | $82,673 | $42,029 | GSG,VNQ,VTV |
| Dec, 2021 | 6.02% | -4.25% | $84,108 | $42,871 | GSG,QQQ,VNQ |
| Nov, 2021 | -4.40% | -4.40% | $79,335 | $44,774 | GSG,QQQ,VNQ |
| Oct, 2021 | 3.93% | 3.93% | $82,989 | $46,836 | VBR,GSG,QQQ |
| Sep, 2021 | -4.61% | -4.61% | $79,852 | $45,066 | VBR,VNQ,GSG |
| Aug, 2021 | 0.60% | 0.60% | $83,708 | $47,242 | VBR,VNQ,QQQ |
| Jul, 2021 | 0.84% | 0.84% | $83,208 | $46,960 | VBR,GSG,VNQ |
| Jun, 2021 | 0.60% | 0.60% | $82,515 | $46,569 | VBR,GSG,QQQ |
| May, 2021 | -0.15% | -0.15% | $82,020 | $46,290 | VBR,GSG,VTV |
| Apr, 2021 | 3.70% | 3.70% | $82,141 | $46,358 | VBK,VBR |
| Mar, 2021 | 0.97% | 0.96% | $79,213 | $44,705 | VBK,VBR,VTV |
| Feb, 2021 | 3.88% | 3.84% | $78,451 | $44,279 | VBK,VBR,VWO |
| Jan, 2021 | 0.83% | 0.85% | $75,518 | $42,639 | QQQ,VBK,VBR |
| Dec, 2020 | 5.55% | 2.93% | $74,897 | $42,280 | QQQ,VBK,VBR |
| Nov, 2020 | 12.02% | 12.02% | $70,960 | $41,078 | QQQ,MTUM,VBK |
| Oct, 2020 | -2.12% | -2.12% | $63,345 | $36,670 | QQQ,MTUM,VBK |
| Sep, 2020 | -3.35% | -3.35% | $64,719 | $37,465 | QQQ,MTUM,VBK |
| Aug, 2020 | 1.89% | 1.89% | $66,960 | $38,762 | IAU,QQQ,MTUM |
| Jul, 2020 | 7.50% | 7.50% | $65,719 | $38,044 | VGLT,IAU,QQQ |
| Jun, 2020 | 3.14% | 3.14% | $61,133 | $35,389 | VGLT,IAU,QQQ |
| May, 2020 | 2.49% | 2.49% | $59,273 | $34,312 | VGLT,IAU,QQQ |
| Apr, 2020 | 2.62% | 2.62% | $57,831 | $33,478 | VGLT,IAU,QQQ |
| Mar, 2020 | -0.19% | -0.19% | $56,352 | $32,621 | VGLT,IAU,VGIT |
| Feb, 2020 | -2.21% | -2.21% | $56,460 | $32,684 | QQQ,VGLT |
| Jan, 2020 | -0.94% | -0.94% | $57,739 | $33,424 | QQQ,MTUM,VGLT |
| Dec, 2019 | 0.49% | -1.80% | $58,285 | $33,741 | VBK,VWO,QQQ |
| Nov, 2019 | -1.67% | -1.67% | $57,999 | $34,361 | VBK |
| Oct, 2019 | 0.86% | 0.86% | $58,984 | $34,944 | IAU,VGLT,VNQ |
| Sep, 2019 | -1.90% | -1.90% | $58,480 | $34,646 | IAU,VGLT,VNQ |
| Aug, 2019 | 6.15% | 6.15% | $59,615 | $35,318 | IAU,VGLT,VNQ |
| Jul, 2019 | 1.38% | 1.38% | $56,160 | $33,271 | MTUM,IAU,VGLT |
| Jun, 2019 | 1.61% | 1.61% | $55,396 | $32,819 | VBK,QQQ,MTUM |
| May, 2019 | -4.82% | -4.82% | $54,516 | $32,298 | VNQ,VCIT,VGLT |
| Apr, 2019 | 2.81% | 2.81% | $57,276 | $33,933 | VNQ,VBK,QQQ |
| Mar, 2019 | 0.87% | 0.87% | $55,711 | $33,005 | VNQ,VBK,QQQ |
| Feb, 2019 | -0.35% | -0.35% | $55,228 | $32,719 | IAU,VNQ,VBK |
| Jan, 2019 | 1.26% | 1.26% | $55,423 | $32,835 | IAU,VGLT,VNQ |
| Dec, 2018 | 0.00% | -3.26% | $54,735 | $32,426 | IAU,VGIT,VGLT |
| Nov, 2018 | 0.19% | 0.19% | $54,735 | $33,518 | |
| Oct, 2018 | -9.92% | -9.92% | $54,633 | $33,456 | BIL |
| Sep, 2018 | -0.20% | -0.20% | $60,652 | $37,142 | QQQ,VBK,MTUM |
| Aug, 2018 | 6.22% | 6.22% | $60,771 | $37,214 | QQQ,VBK,MTUM |
| Jul, 2018 | 0.04% | 0.04% | $57,214 | $35,036 | QQQ,VBK,MTUM |
| Jun, 2018 | 0.78% | 0.78% | $57,189 | $35,021 | QQQ,GSG,VBK |
| May, 2018 | 3.04% | 3.04% | $56,744 | $34,749 | QQQ,GSG |
| Apr, 2018 | -0.59% | -0.59% | $55,070 | $33,723 | QQQ,MTUM |
| Mar, 2018 | -2.58% | -2.58% | $55,395 | $33,922 | QQQ,MTUM,VWO |
| Feb, 2018 | -2.70% | -2.70% | $56,860 | $34,820 | QQQ,MTUM,VWO |
| Jan, 2018 | 8.51% | 8.59% | $58,440 | $35,787 | QQQ,MTUM,VWO |
| Dec, 2017 | 0.33% | -2.51% | $53,856 | $32,957 | QQQ,MTUM,VWO |
| Nov, 2017 | 1.61% | 1.61% | $53,680 | $33,806 | QQQ,MTUM,VBK |
| Oct, 2017 | 3.78% | 3.78% | $52,829 | $33,271 | QQQ,MTUM,VBK |
| Sep, 2017 | 0.68% | 0.68% | $50,903 | $32,058 | QQQ,MTUM,VEA |
| Aug, 2017 | 1.19% | 1.19% | $50,561 | $31,842 | QQQ,MTUM,VWO |
| Jul, 2017 | 3.46% | 3.46% | $49,967 | $31,468 | QQQ,MTUM,VWO |
| Jun, 2017 | -0.45% | -0.45% | $48,296 | $30,416 | QQQ,MTUM,VEA |
| May, 2017 | 3.00% | 3.00% | $48,513 | $30,553 | QQQ,MTUM,VEA |
| Apr, 2017 | 1.04% | 1.04% | $47,098 | $29,662 | QQQ,VBK,MTUM |
| Mar, 2017 | 0.13% | 0.13% | $46,613 | $29,356 | VBR,QQQ |
| Feb, 2017 | 2.75% | 2.75% | $46,553 | $29,318 | VTV,VBR,QQQ |
| Jan, 2017 | -0.13% | -0.13% | $45,306 | $28,533 | VTV,VBR,VBK |
| Dec, 2016 | 1.82% | 1.80% | $45,365 | $28,570 | VTV,VBR,GSG |
| Nov, 2016 | 0.79% | 0.79% | $44,554 | $28,065 | VTV,VBR |
| Oct, 2016 | -0.88% | -0.88% | $44,204 | $27,844 | VWO,QQQ,VTV |
| Sep, 2016 | 0.08% | 0.08% | $44,597 | $28,091 | VWO,VBR,QQQ |
| Aug, 2016 | -2.65% | -2.65% | $44,560 | $28,068 | VNQ,VWO |
| Jul, 2016 | 2.12% | 2.12% | $45,774 | $28,833 | VNQ,VGLT,IAU |
| Jun, 2016 | 5.42% | 5.42% | $44,824 | $28,234 | VNQ,VGLT |
| May, 2016 | -2.05% | -2.05% | $42,519 | $26,783 | IGOV,VNQ,VGLT |
| Apr, 2016 | 2.23% | 2.23% | $43,408 | $27,343 | IAU,IGOV,VNQ |
| Mar, 2016 | 0.99% | 0.99% | $42,460 | $26,745 | IAU,IGOV,VNQ |
| Feb, 2016 | 0.94% | 0.93% | $42,042 | $26,482 | VGLT,IAU,IGOV |
| Jan, 2016 | -4.68% | -4.71% | $41,651 | $26,237 | VGLT |
| Dec, 2015 | 0.03% | -1.24% | $43,696 | $27,535 | QQQ,VNQ,MTUM |
| Nov, 2015 | -0.00% | -0.00% | $43,682 | $27,881 | QQQ,VNQ,MTUM |
| Oct, 2015 | -0.22% | -0.22% | $43,684 | $27,882 | QQQ,VNQ |
| Sep, 2015 | 0.37% | 0.37% | $43,778 | $27,942 | VGIT,VGLT,BIL |
| Aug, 2015 | -6.56% | -6.56% | $43,615 | $27,838 | VGIT,BIL |
| Jul, 2015 | 2.94% | 2.94% | $46,680 | $29,794 | MTUM,VBK,QQQ |
| Jun, 2015 | -0.97% | -0.97% | $45,346 | $28,943 | MTUM,VBK,QQQ |
| May, 2015 | 1.12% | 1.12% | $45,788 | $29,225 | MTUM,VBK,QQQ |
| Apr, 2015 | -3.26% | -3.26% | $45,279 | $28,900 | MTUM |
| Mar, 2015 | 0.19% | 0.16% | $46,804 | $29,873 | VNQ,MTUM,VGLT |
| Feb, 2015 | -1.32% | -1.38% | $46,717 | $29,825 | VNQ,MTUM,QQQ |
| Jan, 2015 | 4.49% | 4.64% | $47,341 | $30,243 | VNQ,VGLT,MTUM |
| Dec, 2014 | -0.39% | -5.97% | $45,309 | $28,903 | QQQ,VNQ,VGLT |
| Nov, 2014 | 3.43% | 3.43% | $45,487 | $30,739 | QQQ,MTUM,VNQ |
| Oct, 2014 | 2.23% | 2.23% | $43,977 | $29,718 | QQQ,MTUM,VNQ |
| Sep, 2014 | -4.66% | -4.66% | $43,018 | $29,070 | QQQ,VTV,MTUM |
| Aug, 2014 | 3.96% | 3.96% | $45,119 | $30,490 | QQQ,VNQ,VWO |
| Jul, 2014 | 0.42% | 0.42% | $43,400 | $29,328 | QQQ,VNQ,VWO |
| Jun, 2014 | 2.06% | 2.06% | $43,218 | $29,205 | QQQ,VNQ |
| May, 2014 | 2.50% | 2.50% | $42,346 | $28,616 | QQQ,VTV,VNQ |
| Apr, 2014 | -0.20% | -0.20% | $41,314 | $27,919 | VBR,QQQ,VTV |
| Mar, 2014 | -1.22% | -1.22% | $41,396 | $27,974 | VBR,QQQ,VTV |
| Feb, 2014 | 5.08% | 5.08% | $41,909 | $28,321 | VBK,VBR,QQQ |
| Jan, 2014 | -1.95% | -1.97% | $39,882 | $26,951 | VBK,VBR,QQQ |
| Dec, 2013 | 2.72% | -0.43% | $40,675 | $27,493 | VBK,VBR,QQQ |
| Nov, 2013 | 2.97% | 2.97% | $39,598 | $27,612 | VBK,VBR,QQQ |
| Oct, 2013 | 2.16% | 2.16% | $38,455 | $26,816 | VBK,VBR,QQQ |
| Sep, 2013 | 4.58% | 4.58% | $37,643 | $26,250 | VBK,VBR,VEA |
| Aug, 2013 | -3.25% | -3.25% | $35,995 | $25,100 | VTV,VBK,VBR |
| Jul, 2013 | 6.34% | 6.34% | $37,206 | $25,944 | VTV,VBK,VBR |
| Jun, 2013 | -0.34% | -0.34% | $34,987 | $24,397 | VTV,VBK,VBR |
| May, 2013 | -2.12% | -2.12% | $35,107 | $24,481 | VTV |
| Apr, 2013 | 0.64% | 0.64% | $35,868 | $25,012 | VTV,VEA,VNQ |
| Mar, 2013 | 4.48% | 4.48% | $35,642 | $24,854 | VBR,VBK,VTV |
| Feb, 2013 | 0.16% | 0.16% | $34,112 | $23,787 | VBR,VBK,VTV |
| Jan, 2013 | 3.45% | 3.45% | $34,059 | $23,750 | VBR,VEA |
| Dec, 2012 | 1.99% | 1.59% | $32,923 | $22,957 | VBR,VEA,VWO |
| Nov, 2012 | 0.09% | 0.09% | $32,282 | $22,597 | VBR,VBK,VEA |
| Oct, 2012 | -2.54% | -2.54% | $32,252 | $22,576 | VBR,VTV,VCIT |
| Sep, 2012 | 0.34% | 0.34% | $33,094 | $23,166 | QQQ,VBK |
| Aug, 2012 | -0.29% | -0.29% | $32,982 | $23,088 | VNQ,VTV,QQQ |
| Jul, 2012 | 2.04% | 2.04% | $33,078 | $23,155 | VNQ,VGLT,VCIT |
| Jun, 2012 | 1.34% | 1.34% | $32,416 | $22,691 | VNQ,VGLT,QQQ |
| May, 2012 | -1.22% | -1.22% | $31,988 | $22,392 | VNQ,VGLT |
| Apr, 2012 | -0.68% | -0.68% | $32,383 | $22,669 | QQQ,VNQ,VGLT |
| Mar, 2012 | -0.67% | -0.67% | $32,606 | $22,825 | VBK,QQQ,VNQ |
| Feb, 2012 | -1.11% | -1.11% | $32,826 | $22,978 | VGLT,VBK,QQQ |
| Jan, 2012 | 2.94% | 2.94% | $33,195 | $23,237 | VGLT,VNQ,IAU |
| Dec, 2011 | -2.62% | -2.62% | $32,248 | $22,574 | VGLT,VCIT,VNQ |
| Nov, 2011 | 0.40% | 0.40% | $33,115 | $23,180 | IAU,VGLT,VGIT |
| Oct, 2011 | 0.59% | 0.59% | $32,983 | $23,088 | IAU,VGLT,QQQ |
| Sep, 2011 | -0.46% | -0.46% | $32,789 | $22,952 | IAU,VGLT,VGIT |
| Aug, 2011 | -3.56% | -3.56% | $32,940 | $23,058 | IAU,IGOV,VGLT |
| Jul, 2011 | -1.57% | -1.57% | $34,157 | $23,910 | VNQ,QQQ |
| Jun, 2011 | -2.18% | -2.18% | $34,701 | $24,291 | VBK,VEA,VNQ |
| May, 2011 | -3.42% | -3.42% | $35,474 | $24,832 | VBK,VEA,VNQ |
| Apr, 2011 | 2.53% | 2.53% | $36,732 | $25,712 | VBK,GSG,IAU |
| Mar, 2011 | 0.53% | 0.53% | $35,826 | $25,078 | VBK,VBR,GSG |
| Feb, 2011 | 4.68% | 4.70% | $35,637 | $24,946 | VBK,VNQ,VBR |
| Jan, 2011 | 1.44% | 1.45% | $34,042 | $23,827 | QQQ,VBK,VNQ |
| Dec, 2010 | 4.32% | -0.41% | $33,558 | $23,486 | QQQ,VBK,VBR |
| Nov, 2010 | 0.03% | 0.03% | $32,169 | $23,582 | QQQ,VBK,VBR |
| Oct, 2010 | 2.82% | 2.82% | $32,160 | $23,576 | VNQ,IAU,QQQ |
| Sep, 2010 | 0.95% | 0.95% | $31,278 | $22,929 | VNQ,IAU |
| Aug, 2010 | 1.00% | 1.00% | $30,984 | $22,713 | VNQ,VGLT,IAU |
| Jul, 2010 | 3.16% | 3.16% | $30,677 | $22,488 | VNQ,VGLT,VWO |
| Jun, 2010 | -6.78% | -6.78% | $29,736 | $21,798 | VNQ,IAU,VGLT |
| May, 2010 | -6.90% | -6.90% | $31,898 | $23,384 | VNQ,VBR,VBK |
| Apr, 2010 | 6.02% | 6.00% | $34,263 | $25,117 | VNQ,VBR,VBK |
| Mar, 2010 | 6.11% | 6.15% | $32,318 | $23,696 | VNQ,VBR,VBK |
| Feb, 2010 | 4.00% | 3.97% | $30,456 | $22,323 | VWO,VNQ,VBR |
| Jan, 2010 | -7.14% | -7.28% | $29,285 | $21,470 | VWO,VNQ,QQQ |
| Dec, 2009 | 1.33% | -0.69% | $31,537 | $23,157 | VWO,VNQ,QQQ |
| Nov, 2009 | 3.31% | 3.31% | $31,124 | $23,318 | VWO,IAU,VNQ |
| Oct, 2009 | -2.65% | -2.65% | $30,126 | $22,571 | VWO,VEA,IAU |
| Sep, 2009 | 5.24% | 5.24% | $30,948 | $23,187 | VWO,VNQ,VEA |
| Aug, 2009 | 1.45% | 1.45% | $29,406 | $22,031 | VWO,VNQ |
| Jul, 2009 | 9.55% | 9.55% | $28,986 | $21,717 | VWO,QQQ,VEA |
| Jun, 2009 | -2.50% | -2.50% | $26,459 | $19,824 | VWO,VBK,QQQ |
| May, 2009 | 3.61% | 3.61% | $27,138 | $20,332 | IAU,VWO,VEA |
| Apr, 2009 | -0.84% | -0.84% | $26,192 | $19,623 | IAU,IGOV |
| Mar, 2009 | 0.14% | 0.14% | $26,415 | $19,790 | IAU,IGOV,BIL |
| Feb, 2009 | 0.20% | 0.20% | $26,377 | $19,762 | IAU,IGOV,BIL |
| Jan, 2009 | 1.57% | 1.57% | $26,325 | $19,723 | IAU,IGOV,BIL |
| Dec, 2008 | 2.22% | 2.22% | $25,917 | $19,418 | IAU,BIL |
| Nov, 2008 | 3.64% | 3.64% | $25,355 | $18,997 | BIL |
| Oct, 2008 | -12.27% | -12.27% | $24,465 | $18,329 | BIL |
| Sep, 2008 | -4.96% | -4.96% | $27,885 | $20,892 | VNQ,BIL |
| Aug, 2008 | -4.96% | -4.96% | $29,341 | $21,983 | IGOV,VBK,BIL |
| Jul, 2008 | -4.68% | -4.68% | $30,874 | $23,131 | IAU,GSG,IGOV |
| Jun, 2008 | 0.98% | 0.98% | $32,389 | $24,266 | IAU,GSG,IGOV |
| May, 2008 | 1.13% | 1.13% | $32,075 | $24,031 | IAU,GSG,VWO |
| Apr, 2008 | -0.89% | -0.89% | $31,717 | $23,763 | IAU,GSG |
| Mar, 2008 | -4.75% | -4.75% | $32,001 | $23,976 | IAU,GSG,IGOV |
| Feb, 2008 | 6.49% | 6.49% | $33,596 | $25,171 | IAU,GSG,VWO |
| Jan, 2008 | 2.69% | 2.86% | $31,548 | $23,637 | IAU,GSG,IGOV |
| Dec, 2007 | 2.11% | -3.75% | $30,721 | $22,979 | VWO,IAU,GSG |
| Nov, 2007 | -5.44% | -5.44% | $30,087 | $23,875 | VWO,IAU,GSG |
| Oct, 2007 | 6.50% | 6.50% | $31,817 | $25,248 | VWO,QQQ,IAU |
| Sep, 2007 | 7.39% | 7.39% | $29,875 | $23,707 | VWO,QQQ,IAU |
| Aug, 2007 | 0.39% | 0.39% | $27,818 | $22,075 | VEA,VWO,QQQ |
| Jul, 2007 | 1.03% | 1.03% | $27,711 | $21,989 | VEA,VWO,QQQ |
| Jun, 2007 | 0.99% | 0.99% | $27,428 | $21,765 | VEA,VWO,QQQ |
| May, 2007 | 3.05% | 3.05% | $27,158 | $21,551 | VEA,VWO,VTV |
| Apr, 2007 | 2.68% | 2.68% | $26,354 | $20,913 | VEA,VWO,VTV |
| Mar, 2007 | 1.66% | 1.66% | $25,667 | $20,368 | VEA,VNQ,VWO |
| Feb, 2007 | -1.33% | -1.35% | $25,249 | $20,036 | VEA,VNQ,VWO |
| Jan, 2007 | 3.05% | 3.12% | $25,590 | $20,310 | VEA,VNQ,VWO |
| Dec, 2006 | 1.78% | -5.42% | $24,832 | $19,695 | VEA,VNQ,VWO |
| Nov, 2006 | 2.89% | 2.89% | $24,399 | $20,823 | VEA,VNQ,VWO |
| Oct, 2006 | 4.43% | 4.43% | $23,712 | $20,238 | VEA,VNQ,VWO |
| Sep, 2006 | -0.80% | -0.80% | $22,707 | $19,379 | VEA,VNQ,VTV |
| Aug, 2006 | 1.54% | 1.54% | $22,889 | $19,535 | IAU,VEA,VNQ |
| Jul, 2006 | 2.70% | 2.70% | $22,543 | $19,240 | IAU,VEA,VNQ |
| Jun, 2006 | -1.75% | -1.75% | $21,950 | $18,734 | IAU,VEA,VNQ |
| May, 2006 | -4.14% | -4.14% | $22,341 | $19,068 | VWO,IAU,VEA |
| Apr, 2006 | 5.21% | 5.21% | $23,307 | $19,892 | VWO,IAU,VEA |
| Mar, 2006 | 3.19% | 3.19% | $22,151 | $18,906 | VWO,IAU,VNQ |
| Feb, 2006 | -1.10% | -1.10% | $21,466 | $18,320 | VWO,IAU,VNQ |
| Jan, 2006 | 9.41% | 9.41% | $21,704 | $18,524 | VWO,VEA,IAU |
| Dec, 2005 | 5.45% | 5.45% | $19,837 | $16,930 | VWO,VEA,IAU |
| Nov, 2005 | 5.43% | 5.43% | $18,811 | $16,055 | VWO,VEA,IAU |
| Oct, 2005 | -5.90% | -5.90% | $17,842 | $15,227 | VWO,VEA,IAU |
| Sep, 2005 | 3.19% | 3.19% | $18,960 | $16,182 | VWO,GSG,VEA |
| Aug, 2005 | -0.78% | -0.78% | $18,373 | $15,681 | VWO,VBK,GSG |
| Jul, 2005 | 4.19% | 4.19% | $18,518 | $15,805 | VWO,VBR,VBK |
| Jun, 2005 | 2.71% | 2.71% | $17,774 | $15,169 | VWO,VBR,IAU |
| May, 2005 | -0.15% | -0.15% | $17,305 | $14,769 | VWO,VBR,VTV |
| Apr, 2005 | -1.62% | -1.62% | $17,331 | $14,791 | VWO,VEA,IAU |
| Mar, 2005 | -3.84% | -3.84% | $17,617 | $15,035 | VWO,VEA |
| Feb, 2005 | 5.28% | 5.28% | $18,320 | $15,635 | VWO,VBR,VEA |
| Jan, 2005 | -1.84% | -1.88% | $17,400 | $14,850 | VWO,VBR,VEA |
| Dec, 2004 | 1.81% | -3.88% | $17,727 | $15,136 | VWO,VBR,VEA |
| Nov, 2004 | 6.45% | 6.45% | $17,412 | $15,746 | IAU,VWO,VBR |
| Oct, 2004 | 1.57% | 1.57% | $16,358 | $14,792 | GSG,IAU,VWO |
| Sep, 2004 | 3.18% | 3.18% | $16,104 | $14,563 | GSG,IAU |
| Aug, 2004 | 1.13% | 1.13% | $15,608 | $14,114 | VBR,GSG,VTV |
| Jul, 2004 | -4.97% | -4.97% | $15,434 | $13,957 | VBR,GSG,BIL |
| Jun, 2004 | -0.79% | -0.79% | $16,240 | $14,686 | VEA,VBK,VBR |
| May, 2004 | 0.96% | 0.96% | $16,370 | $14,803 | VWO,GSG,VEA |
| Apr, 2004 | -4.47% | -4.47% | $16,215 | $14,663 | VWO,GSG,VEA |
| Mar, 2004 | 0.86% | 0.86% | $16,974 | $15,350 | VWO,VBR,IAU |
| Feb, 2004 | 2.31% | 2.31% | $16,830 | $15,219 | VWO,VEA,VBR |
| Jan, 2004 | -0.60% | -0.62% | $16,449 | $14,875 | VWO,VEA,VBK |
| Dec, 2003 | 3.01% | -0.91% | $16,548 | $14,967 | VWO,IAU,VEA |
| Nov, 2003 | 5.26% | 5.26% | $16,065 | $15,105 | VBK,VWO,IAU |
| Oct, 2003 | 9.45% | 9.45% | $15,263 | $14,351 | VBK,VWO,IAU |
| Sep, 2003 | 0.99% | 0.99% | $13,945 | $13,112 | VBK,VWO,IAU |
| Aug, 2003 | 4.18% | 4.18% | $13,808 | $12,983 | VBK,VWO,IAU |
| Jul, 2003 | 4.76% | 4.76% | $13,254 | $12,462 | VBK,VWO |
| Jun, 2003 | 1.57% | 1.57% | $12,651 | $11,896 | VBK,VWO,VTV |
| May, 2003 | 0.61% | 0.61% | $12,456 | $11,711 | IAU,VBK |
| Apr, 2003 | 0.87% | 0.87% | $12,380 | $11,641 | IGOV |
| Mar, 2003 | -2.06% | -2.06% | $12,274 | $11,541 | IGOV,BIL |
| Feb, 2003 | -0.83% | -0.80% | $12,531 | $11,783 | IGOV,IAU,BIL |
| Jan, 2003 | 0.03% | 0.03% | $12,636 | $11,878 | IGOV,IAU,BIL |
| Dec, 2002 | 2.07% | 1.08% | $12,632 | $11,874 | IGOV,BIL |
| Nov, 2002 | 0.02% | 0.02% | $12,376 | $11,747 | IGOV,BIL |
| Oct, 2002 | -0.61% | -0.61% | $12,373 | $11,744 | IGOV,BIL |
| Sep, 2002 | 1.02% | 1.02% | $12,449 | $11,816 | IGOV,BIL |
| Aug, 2002 | 1.66% | 1.66% | $12,323 | $11,697 | IGOV,BIL |
| Jul, 2002 | -10.62% | -10.62% | $12,122 | $11,506 | IGOV,BIL |
| Jun, 2002 | -8.43% | -8.43% | $13,562 | $12,872 | IAU,VBR,IGOV |
| May, 2002 | 3.56% | 3.56% | $14,811 | $14,058 | IAU,VBR,VWO |
| Apr, 2002 | 2.83% | 2.83% | $14,302 | $13,575 | IAU,VBR,VWO |
| Mar, 2002 | 6.94% | 6.94% | $13,908 | $13,201 | IAU,VBR,VWO |
| Feb, 2002 | 3.30% | 3.30% | $13,006 | $12,345 | IAU,VBR,VWO |
| Jan, 2002 | 3.94% | 3.95% | $12,590 | $11,950 | IAU,VBR,VWO |
| Dec, 2001 | 1.31% | 0.95% | $12,113 | $11,496 | IAU,VBR,VWO |
| Nov, 2001 | -0.38% | -0.38% | $11,957 | $11,388 | IGOV,IAU,VBR |
| Oct, 2001 | 1.20% | 1.20% | $12,003 | $11,432 | IGOV,IAU,BIL |
| Sep, 2001 | -3.05% | -3.05% | $11,860 | $11,296 | IGOV,IAU,BIL |
| Aug, 2001 | 1.17% | 1.17% | $12,234 | $11,652 | VBR,IGOV,IAU |
| Jul, 2001 | -1.81% | -1.81% | $12,092 | $11,517 | VBR,IGOV,IAU |
| Jun, 2001 | 0.84% | 0.84% | $12,315 | $11,729 | VBR,IGOV,IAU |
| May, 2001 | 1.11% | 1.11% | $12,212 | $11,631 | VBR,IGOV,IAU |
| Apr, 2001 | 1.70% | 1.70% | $12,078 | $11,504 | VBR,IGOV |
| Mar, 2001 | -5.83% | -5.83% | $11,877 | $11,312 | VBR,IGOV,BIL |
| Feb, 2001 | -0.16% | -0.23% | $12,612 | $12,012 | VBR,IAU,IGOV |
| Jan, 2001 | 2.95% | 3.00% | $12,632 | $12,040 | VBR,IAU,VTV |
| Dec, 2000 | 5.40% | 3.86% | $12,270 | $11,690 | VBR,IAU,IGOV |
| Nov, 2000 | -8.80% | -8.80% | $11,641 | $11,255 | VBR,IAU,IGOV |
| Oct, 2000 | 1.10% | 1.10% | $12,763 | $12,341 | VBR,VBK,VTV |
| Sep, 2000 | -0.07% | -0.07% | $12,624 | $12,206 | VBR,VBK,VTV |
| Aug, 2000 | 3.28% | 3.28% | $12,633 | $12,215 | VBR |
| Jul, 2000 | -2.23% | -2.23% | $12,231 | $11,826 | VBR,IGOV,BIL |
| Jun, 2000 | 2.26% | 2.26% | $12,510 | $12,096 | VBK,VBR |
| May, 2000 | -2.99% | -2.99% | $12,234 | $11,829 | VBK,VTV,BIL |
| Apr, 2000 | -5.42% | -5.42% | $12,611 | $12,193 | VEA,VBK,VBR |
| Mar, 2000 | -2.05% | -2.05% | $13,333 | $12,891 | VWO,VEA,VBK |
| Feb, 2000 | 9.15% | 9.05% | $13,613 | $13,162 | VWO,VEA,VBK |
| Jan, 2000 | -4.08% | -4.19% | $12,472 | $12,069 | VWO,VEA,VBK |
| Dec, 1999 | 8.07% | 4.70% | $13,002 | $12,597 | VWO,VEA,VBK |
| Nov, 1999 | 5.81% | 5.81% | $12,032 | $12,032 | VWO,VEA,IAU |
| Oct, 1999 | -0.63% | -0.63% | $11,371 | $11,371 | VWO,VEA,VBK |
| Sep, 1999 | 6.95% | 6.95% | $11,443 | $11,443 | VWO,IAU,VEA |
| Aug, 1999 | -0.60% | -0.60% | $10,699 | $10,699 | VWO,IAU,VEA |
| Jul, 1999 | -2.44% | -2.44% | $10,764 | $10,764 | VWO,IAU,VEA |
| Jun, 1999 | 3.91% | 3.91% | $11,033 | $11,033 | VTV,VWO,IAU |
| May, 1999 | -3.66% | -3.66% | $10,618 | $10,618 | VTV,VWO |
| Apr, 1999 | 9.59% | 9.59% | $11,021 | $11,021 | VEA,VTV,VWO |
| Mar, 1999 | 2.66% | 2.66% | $10,057 | $10,057 | VEA,VTV,VWO |
| Feb, 1999 | -2.03% | -2.03% | $9,797 | $9,797 | VEA,VTV |
| Jan, 1999 | - | - | $10,000 | $10,000 | VEA,VTV,IGOV |
📝 Methodology: All returns calculated with lot-level FIFO accounting.
- Short-term capital gains (≤ 1 year): 40.8% tax rate
- Long-term capital gains (> 1 year): 23.8% tax rate
- Tax loss carryover across years
- Year-end tax payments with position liquidation if needed
- Annual returns show within-year performance (Jan-Dec)