gtaa3
hold_until_replaced_extended
Strategy Description
GTAA 3 Hold Until Replaced Extended (15 ETFs with QQQ, EFA) - only rebalance when signals change
Universe: ["GSG", "IAU", "VBK", "VWO", "VBR", "VEA", "VTV", "VCIT", "VGIT", "IGOV", "EFA", "QQQ", "VNQ", "MTUM", "VGLT"]
Rebalance Frequency: on_signal_change | 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 | 7.73% |
| Pre-Tax CAGR | 11.28% |
| Tax Drag | 3.55% |
| Final Value (After-Tax) | $76,431 (from $10,000) |
| Final Value (Pre-Tax) | $185,366 |
| Total Taxes Paid | $33,414 |
| Effective Tax Rate | 19.1% on gains |
| Total Transactions | 736 (27 per year) |
| Maximum Drawdown | -28.61% |
Drawdown Analysis
Top 5 drawdowns
| Rank | Drawdown | Peak Date | Trough Date | Recovery Date | Duration |
|---|---|---|---|---|---|
| 1 | -28.61% | Nov, 2007 | Oct, 2008 | Nov, 2009 | 24 mo |
| 2 | -19.93% | Jun, 2002 | Mar, 2003 | Oct, 2003 | 16 mo |
| 3 | -18.90% | Mar, 2000 | Nov, 2000 | Mar, 2002 | 24 mo |
| 4 | -16.58% | Sep, 2018 | May, 2019 | Aug, 2020 | 23 mo |
| 5 | -14.87% | Nov, 2021 | Feb, 2023 | Mar, 2024 | 28 mo |
Rolling Period Analysis
Best and worst CAGR for rolling periods
| Period | Best CAGR | Best Period | Worst CAGR | Worst Period |
|---|---|---|---|---|
| 1-Year | 44.08% | 2003-03-31 to 2004-03-31 | -28.61% | 2007-10-31 to 2008-10-31 |
| 3-Year | 21.49% | 2004-10-31 to 2007-10-31 | -4.17% | 2000-02-29 to 2003-02-28 |
| 5-Year | 18.44% | 2002-10-31 to 2007-10-31 | 0.50% | 2007-10-31 to 2012-10-31 |
| 10-Year | 10.54% | 2001-04-30 to 2011-04-30 | 3.19% | 2010-04-30 to 2020-04-30 |
Annual Returns
28 years
| Year | Pre-Tax Return | After-Tax Return | Tax Drag | Pre-Tax Value | After-Tax Value |
|---|---|---|---|---|---|
| 2026 | -0.38% | -6.65% | 6.27% | $185,366 | $76,431 |
| 2025 | 16.35% | 14.99% | 1.36% | $171,334 | $75,362 |
| 2024 | 12.67% | 9.84% | 2.83% | $140,421 | $62,475 |
| 2023 | 6.45% | 6.45% | -0.00% | $125,907 | $57,463 |
| 2022 | -3.70% | -3.83% | 0.13% | $114,861 | $52,422 |
| 2021 | 14.13% | 2.79% | 11.34% | $121,928 | $55,924 |
| 2020 | 27.06% | 24.69% | 2.37% | $105,287 | $53,613 |
| 2019 | 8.88% | 5.22% | 3.66% | $83,638 | $43,413 |
| 2018 | -10.27% | -12.32% | 2.04% | $75,861 | $40,744 |
| 2017 | 21.72% | 17.29% | 4.43% | $77,921 | $42,789 |
| 2016 | 9.15% | 9.04% | 0.11% | $64,077 | $36,516 |
| 2015 | -8.49% | -9.59% | 1.10% | $61,602 | $35,148 |
| 2014 | 11.95% | 7.02% | 4.93% | $64,644 | $37,325 |
| 2013 | 19.96% | 15.22% | 4.74% | $58,893 | $35,575 |
| 2012 | 2.34% | -0.26% | 2.60% | $47,422 | $29,822 |
| 2011 | -1.69% | -2.61% | 0.92% | $45,016 | $29,043 |
| 2010 | 21.82% | 12.40% | 9.42% | $45,193 | $29,434 |
| 2009 | 33.66% | 27.15% | 6.51% | $40,066 | $28,308 |
| 2008 | -18.20% | -18.41% | 0.21% | $29,567 | $21,959 |
| 2007 | 24.20% | 18.52% | 5.68% | $35,536 | $26,496 |
| 2006 | 14.46% | 6.80% | 7.66% | $27,759 | $21,679 |
| 2005 | 14.23% | 14.32% | -0.09% | $22,096 | $18,495 |
| 2004 | 2.50% | -2.90% | 5.41% | $19,695 | $16,479 |
| 2003 | 43.63% | 36.77% | 6.86% | $19,397 | $17,138 |
| 2002 | -1.39% | -3.25% | 1.86% | $13,353 | $12,389 |
| 2001 | -3.41% | -4.03% | 0.62% | $12,954 | $12,248 |
| 2000 | -3.35% | -4.50% | 1.15% | $12,977 | $12,349 |
| 1999 | 40.08% | 34.96% | 5.12% | $14,007 | $13,495 |
Monthly Returns
Last 120 months | 329 total
| Date | Pre-Tax Return | After-Tax Return | Pre-Tax Value | After-Tax Value | Holdings |
|---|---|---|---|---|---|
| May, 2026 | 0.10% | -6.17% | $185,366 | $76,431 | GSG,MTUM,QQQ,BIL |
| Apr, 2026 | 3.09% | 3.06% | $185,175 | $81,455 | GSG,MTUM,QQQ,BIL |
| Mar, 2026 | -9.37% | -9.41% | $179,628 | $79,033 | IAU,VEA,GSG |
| Feb, 2026 | 6.52% | 6.55% | $198,205 | $87,242 | IAU,VEA,VWO |
| Jan, 2026 | 8.61% | 8.65% | $186,078 | $81,879 | IAU,VEA,VWO |
| Dec, 2025 | 1.79% | 0.51% | $171,334 | $75,362 | IAU,VEA,VWO |
| Nov, 2025 | 1.51% | 1.53% | $168,325 | $74,981 | IAU,QQQ,VEA |
| Oct, 2025 | 2.45% | 2.45% | $165,823 | $73,851 | IAU,QQQ,VWO |
| Sep, 2025 | 8.11% | 8.13% | $161,859 | $72,088 | IAU,QQQ,MTUM |
| Aug, 2025 | 2.59% | 2.60% | $149,713 | $66,666 | IAU,QQQ,VWO |
| Jul, 2025 | -0.46% | -0.45% | $145,931 | $64,975 | IAU,MTUM,QQQ |
| Jun, 2025 | 2.33% | 2.32% | $146,601 | $65,271 | IAU,VEA,MTUM |
| May, 2025 | 1.16% | 1.14% | $143,258 | $63,788 | IAU,VEA,MTUM |
| Apr, 2025 | -0.84% | -0.82% | $141,621 | $63,069 | IAU,IGOV,VEA |
| Mar, 2025 | -1.48% | -1.44% | $142,818 | $63,592 | IAU,GSG,VWO |
| Feb, 2025 | -1.56% | -1.55% | $144,967 | $64,518 | MTUM,IAU,QQQ |
| Jan, 2025 | 4.87% | 4.90% | $147,261 | $65,536 | MTUM,IAU,VBK,BIL |
| Dec, 2024 | -6.22% | -8.58% | $140,421 | $62,475 | MTUM,IAU,QQQ,BIL |
| Nov, 2024 | 2.44% | 2.44% | $149,742 | $68,341 | MTUM,VBR,VBK,BIL |
| Oct, 2024 | 0.23% | 0.23% | $146,170 | $66,711 | MTUM,IAU,VNQ,BIL |
| Sep, 2024 | 3.62% | 3.62% | $145,835 | $66,558 | MTUM,IAU,VNQ,BIL |
| Aug, 2024 | 1.71% | 1.71% | $140,746 | $64,235 | MTUM,IAU,VNQ,BIL |
| Jul, 2024 | 0.34% | 0.34% | $138,384 | $63,157 | MTUM,IAU,VBR,BIL |
| Jun, 2024 | 3.12% | 3.12% | $137,917 | $62,944 | QQQ,MTUM,IAU |
| May, 2024 | 4.44% | 4.44% | $133,748 | $61,042 | QQQ,MTUM,VBR |
| Apr, 2024 | -5.23% | -5.23% | $128,066 | $58,448 | QQQ,MTUM,IAU |
| Mar, 2024 | 2.31% | 2.31% | $135,137 | $61,676 | QQQ,MTUM,VBR |
| Feb, 2024 | 5.98% | 5.98% | $132,082 | $60,281 | QQQ,MTUM,VBK |
| Jan, 2024 | -1.02% | -1.02% | $124,628 | $56,879 | QQQ,VTV,MTUM |
| Dec, 2023 | 4.23% | 4.23% | $125,907 | $57,463 | QQQ,VBR,VBK |
| Nov, 2023 | 2.95% | 2.95% | $120,792 | $55,129 | QQQ,IAU,VEA |
| Oct, 2023 | -1.95% | -1.95% | $117,331 | $53,549 | QQQ,GSG,IAU |
| Sep, 2023 | -2.06% | -2.06% | $119,665 | $54,614 | QQQ,GSG,BIL |
| Aug, 2023 | -2.99% | -2.99% | $122,180 | $55,762 | QQQ,GSG,MTUM |
| Jul, 2023 | 3.75% | 3.75% | $125,951 | $57,483 | QQQ,VBK,VBR |
| Jun, 2023 | 2.76% | 2.76% | $121,395 | $55,404 | VEA,QQQ,VBK |
| May, 2023 | 0.73% | 0.73% | $118,139 | $53,918 | IAU,VEA,QQQ |
| Apr, 2023 | 1.35% | 1.35% | $117,278 | $53,525 | IAU,VEA,QQQ |
| Mar, 2023 | 1.61% | 1.61% | $115,716 | $52,812 | IAU,VEA,QQQ |
| Feb, 2023 | -3.72% | -3.72% | $113,879 | $51,973 | IAU,VBR,VEA |
| Jan, 2023 | 2.98% | 2.98% | $118,282 | $53,983 | IAU,VBR,VEA |
| Dec, 2022 | -2.91% | -2.91% | $114,861 | $52,422 | VTV,IAU,BIL |
| Nov, 2022 | 2.21% | 2.21% | $118,308 | $53,995 | VTV,VBR,BIL |
| Oct, 2022 | 0.16% | 0.16% | $115,753 | $52,829 | VTV,BIL |
| Sep, 2022 | -2.98% | -2.94% | $115,569 | $52,745 | BIL |
| Aug, 2022 | -1.14% | -1.12% | $119,115 | $54,343 | GSG,BIL |
| Jul, 2022 | -0.29% | -0.29% | $120,483 | $54,959 | GSG,BIL |
| Jun, 2022 | -5.95% | -5.91% | $120,833 | $55,117 | GSG,BIL |
| May, 2022 | 1.44% | 1.35% | $128,474 | $58,580 | GSG,VTV,BIL |
| Apr, 2022 | -0.33% | -0.32% | $126,656 | $57,802 | GSG,IAU,BIL |
| Mar, 2022 | 4.82% | 4.76% | $127,071 | $57,986 | GSG,VTV,IAU |
| Feb, 2022 | 1.63% | 1.54% | $121,222 | $55,350 | GSG,VTV,IAU |
| Jan, 2022 | -2.18% | -2.53% | $119,275 | $54,511 | GSG,VNQ,VTV |
| Dec, 2021 | 5.84% | -4.77% | $121,928 | $55,924 | GSG,QQQ,VNQ,BIL |
| Nov, 2021 | -3.87% | -3.82% | $115,204 | $58,725 | GSG,QQQ,VNQ,BIL |
| Oct, 2021 | 5.82% | 5.82% | $119,838 | $61,055 | VBR,GSG,QQQ |
| Sep, 2021 | -4.62% | -4.60% | $113,243 | $57,697 | VBR,VNQ,GSG |
| Aug, 2021 | 0.57% | 0.60% | $118,723 | $60,482 | VBR,VNQ,QQQ |
| Jul, 2021 | 0.78% | 0.78% | $118,047 | $60,123 | VBR,GSG,VNQ |
| Jun, 2021 | 0.59% | 0.56% | $117,129 | $59,659 | VBR,GSG,QQQ |
| May, 2021 | 0.65% | 0.64% | $116,445 | $59,328 | VBR,GSG,VTV |
| Apr, 2021 | 3.70% | 3.70% | $115,695 | $58,951 | VBK,VBR,GSG |
| Mar, 2021 | 0.67% | 0.69% | $111,566 | $56,846 | VBK,VBR,VTV |
| Feb, 2021 | 3.73% | 3.77% | $110,821 | $56,457 | VBK,VBR,VWO |
| Jan, 2021 | 1.47% | 1.48% | $106,835 | $54,408 | QQQ,VBK,VBR |
| Dec, 2020 | 5.58% | 3.61% | $105,287 | $53,613 | QQQ,VBK,VBR |
| Nov, 2020 | 12.02% | 12.02% | $99,724 | $51,744 | QQQ,MTUM,VBK |
| Oct, 2020 | -2.17% | -2.17% | $89,027 | $46,193 | QQQ,MTUM,VBK |
| Sep, 2020 | -4.57% | -4.57% | $91,005 | $47,220 | QQQ,MTUM,VBK |
| Aug, 2020 | 1.77% | 1.78% | $95,364 | $49,482 | IAU,QQQ,MTUM |
| Jul, 2020 | 7.37% | 7.37% | $93,702 | $48,619 | VGLT,IAU,QQQ |
| Jun, 2020 | 3.00% | 3.00% | $87,273 | $45,283 | VGLT,IAU,QQQ |
| May, 2020 | 2.17% | 2.17% | $84,728 | $43,962 | VGLT,IAU,QQQ |
| Apr, 2020 | 2.44% | 2.44% | $82,926 | $43,027 | VGLT,IAU,QQQ |
| Mar, 2020 | -0.12% | -0.12% | $80,949 | $42,002 | VGLT,IAU,VGIT |
| Feb, 2020 | -2.20% | -2.19% | $81,047 | $42,053 | QQQ,VGLT,IAU |
| Jan, 2020 | -0.92% | -0.96% | $82,866 | $42,997 | QQQ,VGLT,MTUM |
| Dec, 2019 | 2.68% | -0.77% | $83,638 | $43,413 | QQQ,VBK,VWO |
| Nov, 2019 | -1.67% | -1.67% | $81,457 | $43,748 | VTV,QQQ,VBK |
| Oct, 2019 | 0.84% | 0.84% | $82,844 | $44,493 | VGLT,IAU,VNQ |
| Sep, 2019 | -1.35% | -1.35% | $82,157 | $44,124 | VGLT,IAU,VNQ |
| Aug, 2019 | 6.20% | 6.20% | $83,285 | $44,730 | VGLT,IAU,VNQ |
| Jul, 2019 | 1.96% | 1.96% | $78,421 | $42,118 | MTUM,VGLT,IAU,BIL |
| Jun, 2019 | 1.61% | 1.61% | $76,912 | $41,307 | MTUM,QQQ,VBK |
| May, 2019 | -4.80% | -4.81% | $75,694 | $40,653 | VNQ,VGLT,VCIT |
| Apr, 2019 | 2.81% | 2.82% | $79,511 | $42,705 | VNQ,VBK,QQQ |
| Mar, 2019 | 1.00% | 0.99% | $77,336 | $41,535 | VNQ,VBK,QQQ |
| Feb, 2019 | -0.32% | -0.32% | $76,571 | $41,126 | IAU,VNQ,VBK |
| Jan, 2019 | 1.26% | 1.27% | $76,814 | $41,259 | IAU,VGLT,VNQ,BIL |
| Dec, 2018 | -5.01% | -7.12% | $75,861 | $40,744 | VGIT,IAU,VGLT |
| Nov, 2018 | 0.19% | 0.19% | $79,859 | $43,866 | VTV,VGIT,VNQ |
| Oct, 2018 | -9.97% | -9.97% | $79,710 | $43,784 | BIL |
| Sep, 2018 | -0.21% | -0.21% | $88,533 | $48,631 | QQQ,VBK,MTUM |
| Aug, 2018 | 6.22% | 6.22% | $88,719 | $48,733 | QQQ,VBK,MTUM |
| Jul, 2018 | 0.09% | 0.10% | $83,524 | $45,879 | QQQ,VBK,MTUM |
| Jun, 2018 | 1.18% | 1.17% | $83,451 | $45,832 | QQQ,GSG,VBK,BIL |
| May, 2018 | 3.55% | 3.55% | $82,481 | $45,302 | QQQ,GSG,VBK,BIL |
| Apr, 2018 | -0.58% | -0.60% | $79,656 | $43,747 | QQQ,MTUM,GSG |
| Mar, 2018 | -2.60% | -2.62% | $80,120 | $44,010 | QQQ,MTUM,VWO |
| Feb, 2018 | -2.70% | -2.74% | $82,263 | $45,193 | QQQ,MTUM,VWO |
| Jan, 2018 | 8.50% | 8.60% | $84,547 | $46,468 | QQQ,MTUM,VWO |
| Dec, 2017 | 0.32% | -3.33% | $77,921 | $42,789 | QQQ,MTUM,VWO |
| Nov, 2017 | 2.62% | 2.62% | $77,671 | $44,262 | QQQ,MTUM,VBK |
| Oct, 2017 | 3.79% | 3.79% | $75,686 | $43,131 | QQQ,MTUM,VBK |
| Sep, 2017 | 0.69% | 0.69% | $72,920 | $41,555 | QQQ,MTUM,VEA,BIL |
| Aug, 2017 | 2.16% | 2.16% | $72,417 | $41,268 | QQQ,MTUM,VWO,BIL |
| Jul, 2017 | 3.45% | 3.45% | $70,883 | $40,394 | QQQ,MTUM,VWO,BIL |
| Jun, 2017 | -0.42% | -0.42% | $68,521 | $39,048 | QQQ,MTUM,VEA,BIL |
| May, 2017 | 2.95% | 2.95% | $68,809 | $39,212 | QQQ,MTUM,VEA,BIL |
| Apr, 2017 | 1.52% | 1.52% | $66,834 | $38,087 | QQQ,MTUM,VBK,BIL |
| Mar, 2017 | 0.06% | 0.06% | $65,834 | $37,517 | VBR,QQQ,VWO,BIL |
| Feb, 2017 | 2.77% | 2.77% | $65,792 | $37,493 | VTV,VBR,QQQ |
| Jan, 2017 | -0.09% | -0.09% | $64,019 | $36,483 | VTV,VBR,VBK |
| Dec, 2016 | 2.13% | 2.02% | $64,077 | $36,516 | VTV,VBR,GSG |
| Nov, 2016 | 0.75% | 0.75% | $62,741 | $35,792 | VTV,VBR,VBK |
| Oct, 2016 | -1.35% | -1.35% | $62,271 | $35,524 | VWO,QQQ,VTV |
| Sep, 2016 | 0.15% | 0.15% | $63,126 | $36,011 | VBR,VWO,QQQ,BIL |
| Aug, 2016 | -2.70% | -2.70% | $63,033 | $35,958 | VNQ,VBR,VWO |
| Jul, 2016 | 2.81% | 2.81% | $64,779 | $36,955 | VNQ,VGLT,IAU |
| Jun, 2016 | 5.40% | 5.40% | $63,007 | $35,944 | VNQ,VGLT,IAU |
| May, 2016 | -2.12% | -2.12% | $59,776 | $34,101 | IGOV,VNQ,VGLT |
| Apr, 2016 | 1.44% | 1.44% | $61,073 | $34,840 | IAU,IGOV,VNQ,BIL |
| Mar, 2016 | 1.00% | 1.00% | $60,208 | $34,347 | IAU,IGOV,VNQ,BIL |
| Feb, 2016 | 1.54% | 1.54% | $59,610 | $34,006 | VGLT,IAU,IGOV |
| Jan, 2016 | -4.70% | -4.72% | $58,704 | $33,489 | VGIT,VGLT,VCIT |
| Dec, 2015 | 0.02% | -1.17% | $61,602 | $35,148 | MTUM,QQQ,VNQ |
| Nov, 2015 | 0.17% | 0.17% | $61,587 | $35,563 | MTUM,QQQ,VNQ |
| Oct, 2015 | -0.35% | -0.35% | $61,481 | $35,502 | MTUM,QQQ,VNQ |
| Sep, 2015 | 0.37% | 0.37% | $61,694 | $35,625 | VGIT,VGLT,BIL |
| Aug, 2015 | -6.57% | -6.57% | $61,464 | $35,492 | VGIT,BIL |
| Jul, 2015 | 2.97% | 2.97% | $65,784 | $37,986 | MTUM,QQQ,VBK |
| Jun, 2015 | -0.94% | -0.94% | $63,889 | $36,892 | MTUM,QQQ,VBK |
| May, 2015 | 0.72% | 0.72% | $64,492 | $37,240 | MTUM,QQQ,VBK |
| Apr, 2015 | -3.25% | -3.27% | $64,031 | $36,974 | MTUM,VWO,QQQ |
| Mar, 2015 | -0.52% | -0.49% | $66,180 | $38,222 | VNQ,MTUM,VGLT |
| Feb, 2015 | -1.17% | -1.20% | $66,526 | $38,412 | VNQ,MTUM,QQQ |
| Jan, 2015 | 4.13% | 4.16% | $67,315 | $38,877 | VNQ,VGLT,MTUM,BIL |
| Dec, 2014 | -0.46% | -4.99% | $64,644 | $37,325 | QQQ,VNQ,VGLT |
| Nov, 2014 | 3.46% | 3.47% | $64,943 | $39,286 | QQQ,MTUM,VNQ |
| Oct, 2014 | 2.26% | 2.26% | $62,770 | $37,969 | QQQ,MTUM,VNQ |
| Sep, 2014 | -4.54% | -4.49% | $61,384 | $37,130 | QQQ,VTV,MTUM |
| Aug, 2014 | 3.98% | 3.99% | $64,302 | $38,875 | QQQ,VNQ,VWO |
| Jul, 2014 | -1.14% | -1.10% | $61,839 | $37,383 | QQQ,VNQ,VWO |
| Jun, 2014 | 2.06% | 2.07% | $62,555 | $37,798 | QQQ,VNQ,VBR |
| May, 2014 | 2.50% | 2.52% | $61,292 | $37,032 | QQQ,VTV,VNQ,BIL |
| Apr, 2014 | -0.21% | -0.22% | $59,799 | $36,122 | VBR,QQQ,VTV |
| Mar, 2014 | -1.21% | -1.24% | $59,926 | $36,202 | VBR,QQQ,VTV |
| Feb, 2014 | 5.05% | 5.11% | $60,663 | $36,656 | VBR,VBK,QQQ,BIL |
| Jan, 2014 | -1.95% | -1.97% | $57,745 | $34,875 | VBR,VBK,QQQ,BIL |
| Dec, 2013 | 2.71% | -1.33% | $58,893 | $35,575 | VBR,VBK,QQQ,BIL |
| Nov, 2013 | 2.96% | 2.95% | $57,338 | $36,055 | VBR,VBK,QQQ,BIL |
| Oct, 2013 | 3.19% | 3.18% | $55,692 | $35,021 | VBR,VBK,QQQ,BIL |
| Sep, 2013 | 4.53% | 4.52% | $53,971 | $33,941 | VBR,VBK,VEA,BIL |
| Aug, 2013 | -3.28% | -3.29% | $51,634 | $32,473 | VTV,VBR,VBK |
| Jul, 2013 | 6.31% | 6.31% | $53,386 | $33,576 | VTV,VBR,VBK |
| Jun, 2013 | -1.08% | -1.08% | $50,215 | $31,582 | VTV,VBR,VBK |
| May, 2013 | -2.11% | -2.10% | $50,762 | $31,927 | VTV,VBR,VBK |
| Apr, 2013 | 0.64% | 0.64% | $51,857 | $32,612 | VTV,VNQ,VEA |
| Mar, 2013 | 4.48% | 4.47% | $51,528 | $32,403 | VBR,VBK,VTV,BIL |
| Feb, 2013 | 0.46% | 0.45% | $49,318 | $31,016 | VBR,VBK,VTV,BIL |
| Jan, 2013 | 3.52% | 3.54% | $49,093 | $30,876 | VBR,VEA,VBK |
| Dec, 2012 | 3.42% | 0.79% | $47,422 | $29,822 | VBR,VEA,VWO |
| Nov, 2012 | 0.15% | 0.15% | $45,855 | $29,589 | VBR,VEA,VBK |
| Oct, 2012 | -2.73% | -2.73% | $45,788 | $29,546 | VBR,VTV,VCIT |
| Sep, 2012 | 0.61% | 0.61% | $47,072 | $30,374 | QQQ,VBR,VBK,BIL |
| Aug, 2012 | -0.11% | -0.11% | $46,786 | $30,190 | VNQ,VTV,QQQ |
| Jul, 2012 | 2.06% | 2.06% | $46,839 | $30,224 | VNQ,VGLT,VCIT |
| Jun, 2012 | 1.55% | 1.55% | $45,892 | $29,613 | VNQ,VGLT,QQQ |
| May, 2012 | -1.47% | -1.47% | $45,193 | $29,162 | VNQ,VGLT,VCIT |
| Apr, 2012 | 0.25% | 0.25% | $45,867 | $29,597 | QQQ,VNQ,VGLT |
| Mar, 2012 | 0.73% | 0.73% | $45,750 | $29,522 | QQQ,VBK,VNQ,BIL |
| Feb, 2012 | -1.98% | -1.98% | $45,418 | $29,307 | VGLT,QQQ,VBK |
| Jan, 2012 | 2.93% | 2.95% | $46,337 | $29,899 | VGLT,VNQ,IAU |
| Dec, 2011 | -2.53% | -3.52% | $45,016 | $29,043 | VGLT,VNQ,VCIT |
| Nov, 2011 | 0.63% | 0.63% | $46,186 | $30,103 | IAU,VGLT,VGIT |
| Oct, 2011 | 0.47% | 0.47% | $45,898 | $29,916 | IAU,VGLT,QQQ |
| Sep, 2011 | -2.16% | -2.16% | $45,686 | $29,777 | IAU,VGLT,VGIT |
| Aug, 2011 | 0.53% | 0.53% | $46,693 | $30,434 | IAU,VGLT,IGOV |
| Jul, 2011 | -1.62% | -1.64% | $46,447 | $30,274 | VNQ,IAU,QQQ |
| Jun, 2011 | -2.20% | -2.21% | $47,210 | $30,778 | VBK,VNQ,VEA |
| May, 2011 | -3.42% | -3.42% | $48,270 | $31,473 | VBK,VNQ,VEA |
| Apr, 2011 | 3.30% | 3.32% | $49,982 | $32,588 | VBK,GSG,IAU |
| Mar, 2011 | 1.03% | 1.05% | $48,384 | $31,542 | VBK,VBR,GSG |
| Feb, 2011 | 4.59% | 4.66% | $47,892 | $31,213 | VBK,VNQ,VBR |
| Jan, 2011 | 1.32% | 1.32% | $45,791 | $29,823 | QQQ,VBK,VNQ,BIL |
| Dec, 2010 | 6.63% | -1.80% | $45,193 | $29,434 | QQQ,VBR,VBK,BIL |
| Nov, 2010 | -0.15% | -0.16% | $42,384 | $29,973 | QQQ,VBR,VBK,BIL |
| Oct, 2010 | 3.95% | 3.96% | $42,445 | $30,020 | VNQ,IAU,QQQ |
| Sep, 2010 | 2.62% | 2.66% | $40,832 | $28,876 | VNQ,IAU,VWO |
| Aug, 2010 | 0.68% | 0.62% | $39,792 | $28,128 | VNQ,VGLT,IAU |
| Jul, 2010 | 1.86% | 1.93% | $39,524 | $27,954 | VNQ,VGLT,VWO |
| Jun, 2010 | -6.55% | -6.54% | $38,802 | $27,426 | VNQ,IAU,VGLT |
| May, 2010 | -6.70% | -6.68% | $41,523 | $29,343 | VNQ,VBR,VBK,BIL |
| Apr, 2010 | 5.99% | 5.99% | $44,505 | $31,445 | VNQ,VBR,VBK,BIL |
| Mar, 2010 | 8.89% | 8.90% | $41,991 | $29,667 | VNQ,VBR,VBK,BIL |
| Feb, 2010 | 3.95% | 4.03% | $38,564 | $27,242 | VWO,VNQ,VBR |
| Jan, 2010 | -7.40% | -7.49% | $37,099 | $26,187 | VWO,VNQ,QQQ |
| Dec, 2009 | 1.41% | -3.52% | $40,066 | $28,308 | VWO,VNQ,QQQ |
| Nov, 2009 | 7.28% | 7.28% | $39,508 | $29,341 | VWO,IAU,VNQ |
| Oct, 2009 | -2.57% | -2.57% | $36,826 | $27,349 | VWO,VEA,IAU |
| Sep, 2009 | 7.22% | 7.22% | $37,797 | $28,071 | VWO,VNQ,VEA |
| Aug, 2009 | 1.31% | 1.31% | $35,252 | $26,181 | VWO,VBR,VNQ |
| Jul, 2009 | 9.63% | 9.63% | $34,795 | $25,841 | VWO,QQQ,VEA |
| Jun, 2009 | -2.96% | -2.96% | $31,738 | $23,571 | VWO,QQQ,VBK |
| May, 2009 | 9.78% | 9.78% | $32,706 | $24,290 | IAU,VWO,VEA |
| Apr, 2009 | -0.91% | -0.91% | $29,792 | $22,126 | IGOV,IAU,VWO |
| Mar, 2009 | 0.07% | 0.07% | $30,064 | $22,329 | IGOV,IAU,BIL |
| Feb, 2009 | 0.23% | 0.23% | $30,043 | $22,313 | IGOV,IAU,BIL |
| Jan, 2009 | 1.38% | 1.38% | $29,976 | $22,263 | IGOV,IAU,BIL |
| Dec, 2008 | 3.32% | 2.97% | $29,567 | $21,959 | IGOV,IAU,BIL |
| Nov, 2008 | 3.64% | 3.64% | $28,616 | $21,326 | IGOV,BIL |
| Oct, 2008 | -12.27% | -12.27% | $27,611 | $20,577 | BIL |
| Sep, 2008 | -4.96% | -4.96% | $31,471 | $23,453 | VNQ,BIL |
| Aug, 2008 | -5.40% | -5.41% | $33,115 | $24,678 | IGOV,VBK,BIL |
| Jul, 2008 | -5.46% | -5.59% | $35,007 | $26,089 | IAU,GSG,IGOV |
| Jun, 2008 | 1.32% | 1.42% | $37,030 | $27,633 | IAU,GSG,IGOV |
| May, 2008 | 1.78% | 1.80% | $36,546 | $27,247 | IAU,GSG,VWO |
| Apr, 2008 | -0.79% | -0.74% | $35,905 | $26,766 | IAU,GSG,VWO |
| Mar, 2008 | -6.05% | -6.08% | $36,192 | $26,966 | IAU,GSG,IGOV |
| Feb, 2008 | 6.57% | 6.68% | $38,524 | $28,712 | IAU,GSG,VWO |
| Jan, 2008 | 1.72% | 1.58% | $36,147 | $26,915 | IAU,GSG,IGOV |
| Dec, 2007 | 2.72% | -2.28% | $35,536 | $26,496 | VWO,IAU,GSG |
| Nov, 2007 | -5.84% | -5.92% | $34,595 | $27,116 | VWO,IAU,GSG |
| Oct, 2007 | 9.06% | 9.13% | $36,742 | $28,822 | VWO,QQQ,IAU |
| Sep, 2007 | 7.41% | 7.53% | $33,689 | $26,411 | VWO,QQQ,IAU |
| Aug, 2007 | 0.45% | 0.42% | $31,366 | $24,561 | VEA,VWO,QQQ,BIL |
| Jul, 2007 | 1.31% | 1.36% | $31,226 | $24,458 | VEA,VWO,QQQ,BIL |
| Jun, 2007 | 1.04% | 1.10% | $30,821 | $24,130 | VEA,VWO,QQQ,BIL |
| May, 2007 | 4.07% | 4.16% | $30,504 | $23,867 | VEA,VWO,VTV,BIL |
| Apr, 2007 | 2.44% | 2.50% | $29,310 | $22,915 | VEA,VWO,VTV,BIL |
| Mar, 2007 | 1.39% | 1.43% | $28,611 | $22,357 | VEA,VNQ,VWO,BIL |
| Feb, 2007 | -1.37% | -1.40% | $28,220 | $22,043 | VEA,VNQ,VWO,BIL |
| Jan, 2007 | 3.07% | 3.12% | $28,612 | $22,356 | VEA,VNQ,VWO,BIL |
| Dec, 2006 | 1.50% | -5.30% | $27,759 | $21,679 | VEA,VNQ,VWO,BIL |
| Nov, 2006 | 5.19% | 5.19% | $27,349 | $22,892 | VEA,VNQ,VWO,BIL |
| Oct, 2006 | 4.29% | 4.30% | $25,998 | $21,761 | VEA,VNQ,VWO,BIL |
| Sep, 2006 | -0.80% | -0.80% | $24,928 | $20,865 | VEA,VNQ,VTV,BIL |
| Aug, 2006 | 1.43% | 1.43% | $25,129 | $21,033 | IAU,VEA,VNQ,BIL |
| Jul, 2006 | 2.77% | 2.77% | $24,775 | $20,738 | IAU,VEA,VNQ,BIL |
| Jun, 2006 | -1.85% | -1.85% | $24,106 | $20,178 | IAU,VEA,VNQ,BIL |
| May, 2006 | -6.00% | -6.00% | $24,560 | $20,557 | VWO,IAU,VEA |
| Apr, 2006 | 5.91% | 5.91% | $26,127 | $21,869 | VWO,IAU,VEA |
| Mar, 2006 | 2.91% | 2.91% | $24,669 | $20,649 | VWO,IAU,VNQ |
| Feb, 2006 | -1.16% | -1.16% | $23,971 | $20,064 | VWO,IAU,VNQ |
| Jan, 2006 | 9.75% | 9.75% | $24,251 | $20,299 | VWO,VEA,IAU |
| Dec, 2005 | 5.53% | 5.53% | $22,096 | $18,495 | VWO,VEA,IAU |
| Nov, 2005 | 5.82% | 5.82% | $20,938 | $17,526 | VWO,VEA,IAU |
| Oct, 2005 | -6.10% | -6.10% | $19,786 | $16,562 | VWO,VEA,IAU |
| Sep, 2005 | 4.43% | 4.43% | $21,071 | $17,637 | VWO,GSG,VEA |
| Aug, 2005 | -0.70% | -0.70% | $20,177 | $16,889 | VWO,VBK,GSG,BIL |
| Jul, 2005 | 4.06% | 4.06% | $20,319 | $17,008 | VWO,VBR,VBK |
| Jun, 2005 | 2.80% | 2.80% | $19,526 | $16,344 | VWO,VBR,IAU |
| May, 2005 | 0.04% | 0.08% | $18,994 | $15,900 | VWO,VBR,VTV |
| Apr, 2005 | -3.02% | -2.99% | $18,987 | $15,887 | VWO,VEA,IAU |
| Mar, 2005 | -4.00% | -4.04% | $19,578 | $16,377 | VWO,VEA,GSG |
| Feb, 2005 | 5.43% | 5.49% | $20,394 | $17,067 | VWO,VBR,VEA |
| Jan, 2005 | -1.79% | -1.83% | $19,343 | $16,178 | VWO,VBR,VEA |
| Dec, 2004 | 1.75% | -3.61% | $19,695 | $16,479 | VWO,VBR,VEA |
| Nov, 2004 | 6.36% | 6.36% | $19,357 | $17,097 | IAU,VWO,VBR |
| Oct, 2004 | 2.35% | 2.35% | $18,198 | $16,074 | GSG,IAU,VWO |
| Sep, 2004 | 3.58% | 3.58% | $17,781 | $15,705 | GSG,IAU,VWO |
| Aug, 2004 | 1.27% | 1.27% | $17,166 | $15,162 | VBR,GSG,VTV |
| Jul, 2004 | -5.00% | -5.00% | $16,950 | $14,971 | VBR,GSG,BIL |
| Jun, 2004 | -0.90% | -0.90% | $17,842 | $15,759 | VEA,VBR,VBK,BIL |
| May, 2004 | 0.92% | 0.92% | $18,004 | $15,902 | VWO,GSG,VEA |
| Apr, 2004 | -10.04% | -10.05% | $17,839 | $15,757 | VWO,GSG,VEA |
| Mar, 2004 | 0.87% | 0.86% | $19,830 | $17,517 | VWO,VBR,IAU |
| Feb, 2004 | 2.32% | 2.33% | $19,660 | $17,368 | VWO,VEA,VBR |
| Jan, 2004 | -0.94% | -0.97% | $19,214 | $16,971 | VWO,VEA,VBK,BIL |
| Dec, 2003 | 2.91% | -2.00% | $19,397 | $17,138 | VWO,IAU,VEA |
| Nov, 2003 | 5.44% | 5.44% | $18,848 | $17,487 | VBK,VWO,IAU |
| Oct, 2003 | 9.47% | 9.47% | $17,875 | $16,585 | VBK,VWO,IAU |
| Sep, 2003 | 1.13% | 1.13% | $16,329 | $15,149 | VBK,VWO,IAU |
| Aug, 2003 | 8.54% | 8.54% | $16,146 | $14,980 | VBK,VWO,IAU |
| Jul, 2003 | 4.71% | 4.71% | $14,875 | $13,801 | VBK,VWO,IAU |
| Jun, 2003 | 2.02% | 2.02% | $14,206 | $13,180 | VTV,VBK,VWO,BIL |
| May, 2003 | 5.34% | 5.35% | $13,925 | $12,919 | VTV,IAU,VBK |
| Apr, 2003 | 0.87% | 0.87% | $13,218 | $12,263 | IGOV,VTV,VWO |
| Mar, 2003 | -2.10% | -2.11% | $13,105 | $12,157 | IGOV,BIL |
| Feb, 2003 | -0.88% | -0.88% | $13,386 | $12,420 | IGOV,IAU,BIL |
| Jan, 2003 | 1.14% | 1.14% | $13,504 | $12,530 | IGOV,IAU,BIL |
| Dec, 2002 | 2.07% | 0.16% | $13,353 | $12,389 | IGOV,IAU,BIL |
| Nov, 2002 | 0.02% | 0.02% | $13,082 | $12,369 | IGOV,BIL |
| Oct, 2002 | -0.61% | -0.61% | $13,079 | $12,366 | IGOV,BIL |
| Sep, 2002 | 0.25% | 0.25% | $13,159 | $12,443 | IGOV,BIL |
| Aug, 2002 | 1.66% | 1.66% | $13,126 | $12,412 | IGOV,IAU,BIL |
| Jul, 2002 | -11.70% | -11.74% | $12,912 | $12,209 | IGOV,BIL |
| Jun, 2002 | -8.87% | -8.89% | $14,623 | $13,833 | IAU,VBR,IGOV |
| May, 2002 | 4.10% | 4.12% | $16,047 | $15,183 | IAU,VBR,VWO |
| Apr, 2002 | 2.94% | 2.95% | $15,415 | $14,582 | IAU,VBR,VWO |
| Mar, 2002 | 6.99% | 7.00% | $14,975 | $14,164 | IAU,VBR,VWO |
| Feb, 2002 | 3.37% | 3.38% | $13,997 | $13,237 | IAU,VBR,VWO |
| Jan, 2002 | 4.53% | 4.55% | $13,541 | $12,805 | IAU,VBR,VWO |
| Dec, 2001 | 3.68% | 3.01% | $12,954 | $12,248 | IAU,VBR,VWO |
| Nov, 2001 | -0.41% | -0.40% | $12,494 | $11,889 | IGOV,IAU,VBR,BIL |
| Oct, 2001 | 1.21% | 1.21% | $12,545 | $11,937 | IGOV,IAU,BIL |
| Sep, 2001 | -4.71% | -4.70% | $12,396 | $11,795 | IGOV,IAU,BIL |
| Aug, 2001 | 0.81% | 0.82% | $13,008 | $12,377 | VBR,IGOV,IAU |
| Jul, 2001 | -2.00% | -2.01% | $12,903 | $12,277 | VBR,IGOV,IAU |
| Jun, 2001 | 1.23% | 1.22% | $13,166 | $12,529 | VBR,IGOV,IAU |
| May, 2001 | 3.45% | 3.46% | $13,006 | $12,377 | VBR,IGOV,IAU |
| Apr, 2001 | 2.24% | 2.24% | $12,572 | $11,963 | VBR,IGOV,IAU |
| Mar, 2001 | -6.30% | -6.33% | $12,296 | $11,700 | VBR,IGOV,BIL |
| Feb, 2001 | -2.14% | -2.13% | $13,123 | $12,490 | VBR,IAU,IGOV |
| Jan, 2001 | 3.34% | 3.34% | $13,411 | $12,762 | VBR,IAU,VTV |
| Dec, 2000 | 9.22% | 7.89% | $12,977 | $12,349 | VBR,IAU,IGOV |
| Nov, 2000 | -8.58% | -8.58% | $11,881 | $11,446 | VBR,IAU,IGOV |
| Oct, 2000 | 1.09% | 1.09% | $12,996 | $12,520 | VBR,VBK,VTV |
| Sep, 2000 | -4.05% | -4.05% | $12,856 | $12,385 | VBR,VBK,VTV |
| Aug, 2000 | 3.35% | 3.35% | $13,399 | $12,908 | VBR,IAU,VBK |
| Jul, 2000 | -3.16% | -3.18% | $12,964 | $12,489 | VBR,IGOV,BIL |
| Jun, 2000 | 2.33% | 2.39% | $13,388 | $12,900 | VBK,VBR,VEA |
| May, 2000 | -2.93% | -2.99% | $13,083 | $12,599 | VBK,VTV,BIL |
| Apr, 2000 | -5.56% | -5.60% | $13,478 | $12,987 | VEA,VBK,VBR,BIL |
| Mar, 2000 | -2.47% | -2.52% | $14,271 | $13,758 | VWO,VEA,VBK |
| Feb, 2000 | 8.98% | 9.15% | $14,632 | $14,113 | VWO,VEA,VBK |
| Jan, 2000 | -4.15% | -4.19% | $13,426 | $12,930 | VWO,VEA,VBK |
| Dec, 1999 | 10.13% | 6.11% | $14,007 | $13,495 | VWO,VEA,VBK |
| Nov, 1999 | 6.07% | 6.07% | $12,719 | $12,719 | VWO,VEA,IAU |
| Oct, 1999 | -0.93% | -0.93% | $11,991 | $11,991 | VWO,VEA,VBK |
| Sep, 1999 | 6.54% | 6.54% | $12,104 | $12,104 | VWO,IAU,VEA |
| Aug, 1999 | -0.52% | -0.52% | $11,360 | $11,360 | VWO,IAU,VEA |
| Jul, 1999 | -2.51% | -2.51% | $11,420 | $11,420 | VWO,IAU,VEA |
| Jun, 1999 | 6.06% | 6.06% | $11,714 | $11,714 | VTV,VWO,IAU |
| May, 1999 | -3.67% | -3.67% | $11,045 | $11,045 | VTV,VWO,VBR |
| Apr, 1999 | 9.82% | 9.82% | $11,466 | $11,466 | VTV,VEA,VWO,BIL |
| Mar, 1999 | 6.56% | 6.56% | $10,440 | $10,440 | VTV,VEA,VWO,BIL |
| Feb, 1999 | -2.03% | -2.03% | $9,797 | $9,797 | VTV,VEA,VWO,BIL |
| Jan, 1999 | - | - | $10,000 | $10,000 | VTV,IGOV,VEA |
📝 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)