gtaa6
hold_until_replaced
Strategy Description
GTAA AGG 6 - Hold until replaced strategy using 3,6,12-month ROC average. CORRECTED VERSION with proper proxy price normalization. Fixes bugs that inflated returns by 5.10x.
Universe: ["GSG", "IAU", "VBK", "VWO", "VBR", "VEA", "VTV", "VCIT", "VGIT", "IGOV", "QQQ", "VNQ", "MTUM", "VGLT", "BIL"]
Rebalance Frequency: monthly | Period: March 31, 1998 to April 30, 2026 | Top N: 6
Portfolio Value Over Time
After-tax performance
Performance Summary
28.1 years of data
| Metric | Value |
|---|---|
| Period | March 31, 1998 to April 30, 2026 (28.1 years) |
| After-Tax CAGR | 7.02% |
| Pre-Tax CAGR | 8.09% |
| Tax Drag | 1.07% |
| Final Value (After-Tax) | $67,197 (from $10,000) |
| Final Value (Pre-Tax) | $88,818 |
| Total Taxes Paid | $21,620 |
| Effective Tax Rate | 27.4% on gains |
| Total Transactions | 0 (0 per year) |
| Maximum Drawdown | -44.94% |
Drawdown Analysis
Top 5 drawdowns
| Rank | Drawdown | Peak Date | Trough Date | Recovery Date | Duration |
|---|---|---|---|---|---|
| 1 | -44.94% | Nov, 2007 | Oct, 2008 | Oct, 2013 | 71 mo |
| 2 | -41.20% | Oct, 2018 | Mar, 2020 | Dec, 2021 | 38 mo |
| 3 | -16.80% | Jul, 2014 | Feb, 2016 | Jun, 2017 | 35 mo |
| 4 | -12.64% | Jul, 2002 | Jul, 2002 | Sep, 2003 | 14 mo |
| 5 | -12.64% | Jan, 2000 | Nov, 2000 | Apr, 2002 | 27 mo |
Rolling Period Analysis
Best and worst CAGR for rolling periods
| Period | Best CAGR | Best Period | Worst CAGR | Worst Period |
|---|---|---|---|---|
| 1-Year | 69.60% | 2020-06-30 to 2021-12-31 | -41.51% | 2007-10-31 to 2009-03-31 |
| 3-Year | 34.49% | 2003-06-30 to 2007-10-31 | -7.50% | 2007-10-31 to 2012-01-31 |
| 5-Year | 21.69% | 2000-08-31 to 2007-10-31 | -0.36% | 2013-09-30 to 2020-09-30 |
| 10-Year | 11.93% | 2000-11-30 to 2015-03-31 | 2.46% | 2006-01-31 to 2020-03-31 |
Annual Returns
21 years
| Year | Pre-Tax Return | After-Tax Return | Tax Drag | Pre-Tax Value | After-Tax Value |
|---|---|---|---|---|---|
| 2026 | 3.41% | 4.56% | -1.15% | $88,818 | $67,197 |
| 2025 | 14.91% | 14.98% | -0.07% | $85,885 | $64,265 |
| 2024 | 14.15% | 16.74% | -2.60% | $74,742 | $55,894 |
| 2021 | 21.21% | 29.55% | -8.34% | $65,479 | $47,878 |
| 2020 | -2.69% | -3.88% | 1.19% | $54,021 | $36,957 |
| 2019 | 1.68% | -1.11% | 2.79% | $55,513 | $38,449 |
| 2018 | 28.11% | 29.01% | -0.90% | $54,594 | $38,879 |
| 2015 | -7.47% | -13.09% | 5.62% | $42,616 | $30,137 |
| 2014 | 5.77% | 3.19% | 2.58% | $46,058 | $34,677 |
| 2013 | 21.01% | 26.59% | -5.58% | $43,547 | $33,605 |
| 2012 | -1.78% | -9.26% | 7.47% | $35,987 | $26,547 |
| 2010 | 11.82% | 7.59% | 4.23% | $36,641 | $29,256 |
| 2009 | 39.33% | 46.45% | -7.12% | $32,768 | $27,192 |
| 2008 | -27.40% | -32.35% | 4.94% | $23,518 | $18,567 |
| 2007 | 63.34% | 56.04% | 7.30% | $32,396 | $27,445 |
| 2004 | 7.25% | 3.45% | 3.80% | $19,833 | $17,589 |
| 2003 | 38.31% | 35.70% | 2.61% | $18,493 | $17,002 |
| 2002 | 1.34% | 0.64% | 0.70% | $13,370 | $12,529 |
| 2001 | -0.53% | -2.80% | 2.27% | $13,194 | $12,449 |
| 1999 | 21.15% | 19.91% | 1.24% | $13,264 | $12,808 |
| 1998 | 9.49% | 6.82% | 2.67% | $10,949 | $10,681 |
Monthly Returns
Last 120 months | 238 total
| Date | Pre-Tax Return | After-Tax Return | Pre-Tax Value | After-Tax Value | Holdings |
|---|---|---|---|---|---|
| Apr, 2026 | 5.11% | 6.87% | $88,818 | $67,197 | GSG,QQQ,VBK,VBR,VEA,VWO |
| Mar, 2026 | -1.62% | -2.16% | $84,498 | $62,877 | EFA,GSG,IAU,VBR,VEA,VTV |
| Dec, 2025 | 2.00% | -1.67% | $85,885 | $64,265 | EFA,IAU,QQQ,VEA,VTV,VWO |
| Oct, 2025 | 2.50% | 3.24% | $84,204 | $65,355 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Sep, 2025 | 8.52% | 11.34% | $82,154 | $63,305 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Jul, 2025 | -0.70% | -0.93% | $75,704 | $56,855 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Jun, 2025 | 3.67% | 4.94% | $76,240 | $57,391 | EFA,IAU,IGOV,QQQ,VEA,VWO |
| Apr, 2025 | 0.47% | 0.63% | $73,541 | $54,692 | EFA,IAU,IGOV,VCIT,VEA,VGIT |
| Mar, 2025 | -1.98% | -2.65% | $73,199 | $54,350 | EFA,GSG,IAU,VEA,VGIT,VWO |
| Feb, 2025 | -2.00% | -2.65% | $74,677 | $55,829 | EFA,IAU,QQQ,VNQ,VTV,VWO |
| Jan, 2025 | 1.95% | 2.61% | $76,199 | $57,351 | GSG,IAU,QQQ,VBK,VBR,VTV |
| Dec, 2024 | 1.28% | -0.54% | $74,742 | $55,894 | GSG,IAU,QQQ,VBK,VBR,VTV |
| Oct, 2024 | -0.94% | -1.24% | $73,800 | $56,199 | IAU,QQQ,VBK,VBR,VNQ,VTV |
| Sep, 2024 | 4.49% | 5.97% | $74,504 | $56,903 | IAU,QQQ,VBR,VNQ,VTV,VWO |
| Jul, 2024 | 3.97% | 5.34% | $71,301 | $53,700 | IAU,QQQ,VBK,VBR,VNQ,VTV |
| May, 2024 | 3.99% | 5.44% | $68,578 | $50,977 | EFA,IAU,QQQ,VBR,VEA,VTV |
| Apr, 2024 | -1.66% | -2.26% | $65,948 | $48,347 | IAU,QQQ,VBK,VBR,VTV,VWO |
| Feb, 2024 | 3.13% | 4.29% | $67,065 | $49,464 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Jan, 2024 | 4.10% | 5.70% | $65,031 | $47,430 | EFA,QQQ,VBR,VCIT,VEA,VTV |
| Nov, 2023 | 2.82% | 3.96% | $62,472 | $44,871 | EFA,IAU,QQQ,VBR,VEA,VWO |
| Oct, 2023 | -3.03% | -4.21% | $60,761 | $43,160 | BIL,GSG,IAU,QQQ |
| Aug, 2023 | -3.59% | -4.93% | $62,659 | $45,058 | EFA,GSG,IAU,QQQ,VEA,VTV |
| Jul, 2023 | 4.22% | 5.88% | $64,994 | $47,393 | EFA,QQQ,VBK,VBR,VEA,VWO |
| Jun, 2023 | 1.03% | 1.44% | $62,361 | $44,760 | EFA,QQQ,VBK,VBR,VEA,VTV |
| May, 2023 | 1.09% | 1.53% | $61,725 | $44,124 | EFA,IAU,QQQ,VCIT,VEA,VGIT |
| Mar, 2023 | 1.10% | 1.56% | $61,059 | $43,458 | EFA,IAU,QQQ,VCIT,VEA,VWO |
| Feb, 2023 | -4.34% | -6.02% | $60,393 | $42,792 | EFA,IAU,VBK,VBR,VEA,VTV |
| Jan, 2023 | -0.11% | -0.15% | $63,134 | $45,533 | EFA,IAU,VBR,VEA,VTV,VWO |
| Nov, 2022 | 3.68% | 5.18% | $63,203 | $45,602 | BIL,EFA,VBR,VEA,VTV |
| Oct, 2022 | 0.06% | 0.09% | $60,960 | $43,359 | BIL,VTV |
| Sep, 2022 | -0.97% | -1.36% | $60,920 | $43,319 | BIL |
| Aug, 2022 | -0.44% | -0.62% | $61,517 | $43,916 | BIL,GSG |
| Jun, 2022 | -1.93% | -2.67% | $61,791 | $44,190 | BIL,GSG |
| May, 2022 | -0.63% | -0.87% | $63,004 | $45,403 | BIL,GSG,VTV |
| Mar, 2022 | 2.06% | 2.88% | $63,402 | $45,801 | BIL,GSG,IAU,VBR,VNQ,VTV |
| Feb, 2022 | -0.42% | -0.59% | $62,121 | $44,520 | BIL,GSG,IAU,VBR,VTV |
| Jan, 2022 | -4.73% | -6.46% | $62,384 | $44,783 | BIL,GSG,VNQ,VTV |
| Dec, 2021 | 6.25% | 7.43% | $65,479 | $47,878 | EFA,GSG,QQQ,VBR,VNQ,VTV |
| Nov, 2021 | 1.46% | 2.03% | $61,629 | $44,565 | BIL,GSG,QQQ,VBR,VNQ,VTV |
| Sep, 2021 | -3.33% | -4.57% | $60,741 | $43,676 | GSG,QQQ,VBR,VEA,VNQ,VTV |
| Aug, 2021 | 2.90% | 4.03% | $62,833 | $45,769 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| Jun, 2021 | 2.77% | 3.88% | $61,060 | $43,995 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| Apr, 2021 | 3.42% | 4.87% | $59,415 | $42,350 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| Mar, 2021 | 6.34% | 9.27% | $57,449 | $40,384 | GSG,QQQ,VBK,VBR,VTV,VWO |
| Dec, 2020 | 6.52% | 9.83% | $54,021 | $36,957 | EFA,QQQ,VBK,VBR,VEA,VWO |
| Nov, 2020 | 7.49% | 11.73% | $50,714 | $33,649 | EFA,QQQ,VBK,VBR,VEA,VWO |
| Sep, 2020 | -2.08% | -3.23% | $47,180 | $30,115 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Aug, 2020 | 1.60% | 2.50% | $48,184 | $31,119 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Jul, 2020 | 4.70% | 7.55% | $47,425 | $30,361 | IAU,IGOV,QQQ,VBK,VCIT,VWO |
| Jun, 2020 | 1.35% | 2.19% | $45,295 | $28,230 | IAU,IGOV,QQQ,VBK,VCIT,VGIT |
| Apr, 2020 | 1.39% | 2.27% | $44,691 | $27,626 | BIL,IAU,QQQ,VCIT,VGIT |
| Mar, 2020 | -16.45% | -24.32% | $44,077 | $27,012 | BIL,IAU,VGIT |
| Jan, 2020 | -4.97% | -7.17% | $52,756 | $35,691 | IAU,QQQ,VBK,VCIT,VNQ,VTV |
| Dec, 2019 | 1.67% | -1.13% | $55,513 | $38,449 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Oct, 2019 | 1.42% | 2.00% | $54,603 | $38,888 | EFA,IAU,QQQ,VCIT,VEA,VNQ |
| Sep, 2019 | 2.28% | 3.25% | $53,839 | $38,125 | IAU,QQQ,VCIT,VGIT,VNQ,VTV |
| Jul, 2019 | 3.56% | 5.15% | $52,638 | $36,923 | IAU,QQQ,VBK,VCIT,VNQ,VTV |
| May, 2019 | -4.56% | -6.47% | $50,831 | $35,116 | IAU,IGOV,QQQ,VCIT,VGIT,VNQ |
| Apr, 2019 | 3.45% | 4.97% | $53,259 | $37,545 | QQQ,VBK,VBR,VNQ,VTV,VWO |
| Feb, 2019 | -0.24% | -0.35% | $51,482 | $35,767 | IAU,VBK,VCIT,VGIT,VNQ,VTV |
| Jan, 2019 | -5.47% | -7.68% | $51,608 | $35,894 | IAU,IGOV,VCIT,VGIT,VNQ,VWO |
| Dec, 2018 | -0.79% | -8.63% | $54,594 | $38,879 | BIL,IAU,VCIT,VGIT |
| Nov, 2018 | 0.70% | 0.91% | $55,029 | $42,550 | BIL,VGIT,VNQ,VTV |
| Oct, 2018 | -6.46% | -8.22% | $54,645 | $42,165 | BIL,VNQ |
| Aug, 2018 | 3.04% | 3.90% | $58,422 | $45,942 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| Jul, 2018 | 3.04% | 3.93% | $56,698 | $44,218 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| May, 2018 | 1.53% | 1.99% | $55,024 | $42,545 | GSG,QQQ,VBK,VBR,VNQ,VTV |
| Apr, 2018 | -1.58% | -2.04% | $54,192 | $41,713 | EFA,GSG,QQQ,VBK,VEA,VTV |
| Feb, 2018 | -4.05% | -5.17% | $55,062 | $42,583 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Jan, 2018 | 7.81% | 10.20% | $57,384 | $44,904 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Nov, 2017 | 1.91% | 2.51% | $53,228 | $40,748 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Oct, 2017 | 4.20% | 5.59% | $52,229 | $39,749 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Aug, 2017 | 0.67% | 0.89% | $50,123 | $37,644 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Jul, 2017 | 2.87% | 3.86% | $49,790 | $37,311 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Jun, 2017 | 0.59% | 0.80% | $48,402 | $35,922 | EFA,QQQ,VBK,VEA,VTV,VWO |
| May, 2017 | 1.78% | 2.42% | $48,117 | $35,638 | EFA,QQQ,VBK,VEA,VTV,VWO |
| Mar, 2017 | 0.59% | 0.81% | $47,275 | $34,795 | QQQ,VBK,VBR,VEA,VTV,VWO |
| Feb, 2017 | 2.91% | 4.01% | $46,996 | $34,517 | QQQ,VBK,VBR,VEA,VTV,VWO |
| Jan, 2017 | 4.09% | 5.72% | $45,667 | $33,187 | GSG,QQQ,VBK,VBR,VTV,VWO |
| Nov, 2016 | 2.65% | 3.74% | $43,871 | $31,392 | GSG,QQQ,VBK,VBR,VTV,VWO |
| Oct, 2016 | -1.91% | -2.68% | $42,740 | $30,261 | IAU,QQQ,VBR,VCIT,VTV,VWO |
| Sep, 2016 | 0.66% | 0.92% | $43,574 | $31,095 | IAU,QQQ,VBK,VBR,VTV,VWO |
| Aug, 2016 | 0.55% | 0.78% | $43,290 | $30,811 | QQQ,VBK,VBR,VNQ,VTV,VWO |
| Jun, 2016 | -0.32% | -0.46% | $43,053 | $30,573 | IAU,IGOV,VCIT,VGIT,VNQ,VTV |
| May, 2016 | 2.39% | 3.40% | $43,193 | $30,713 | IGOV,QQQ,VBR,VCIT,VNQ,VTV |
| Mar, 2016 | 0.12% | 0.16% | $42,184 | $29,704 | IAU,IGOV,QQQ,VBR,VNQ,VTV |
| Feb, 2016 | -1.13% | -1.60% | $42,135 | $29,656 | BIL,IAU,IGOV,VCIT,VGIT,VNQ |
| Dec, 2015 | -0.02% | -3.54% | $42,616 | $30,137 | BIL,QQQ,VGIT,VNQ |
| Nov, 2015 | -0.52% | -0.70% | $42,623 | $31,242 | BIL,QQQ,VCIT,VGIT,VNQ,VTV |
| Sep, 2015 | 0.58% | 0.80% | $42,845 | $31,464 | BIL,VCIT,VGIT |
| Aug, 2015 | -6.51% | -8.68% | $42,596 | $31,215 | BIL,VGIT |
| Jul, 2015 | 1.33% | 1.77% | $45,563 | $34,182 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Jun, 2015 | -1.25% | -1.67% | $44,967 | $33,586 | QQQ,VBK,VBR,VEA,VGIT,VTV |
| Apr, 2015 | -0.80% | -1.06% | $45,537 | $34,157 | QQQ,VBK,VBR,VEA,VTV,VWO |
| Mar, 2015 | -0.34% | -0.45% | $45,903 | $34,522 | QQQ,VBK,VBR,VCIT,VNQ,VTV |
| Dec, 2014 | 1.39% | -2.28% | $46,058 | $34,677 | QQQ,VBK,VBR,VCIT,VNQ,VTV |
| Oct, 2014 | 3.04% | 3.93% | $45,427 | $35,485 | QQQ,VBK,VBR,VNQ,VTV,VWO |
| Sep, 2014 | -1.25% | -1.61% | $44,086 | $34,144 | QQQ,VCIT,VGIT,VNQ,VTV,VWO |
| Jul, 2014 | -2.07% | -2.65% | $44,643 | $34,701 | EFA,QQQ,VEA,VNQ,VTV,VWO |
| Jun, 2014 | 4.36% | 5.65% | $45,587 | $35,645 | QQQ,VBK,VBR,VEA,VNQ,VTV |
| Apr, 2014 | 0.02% | 0.02% | $43,682 | $33,740 | EFA,QQQ,VBR,VEA,VNQ,VTV |
| Mar, 2014 | -0.27% | -0.34% | $43,674 | $33,732 | EFA,QQQ,VBK,VBR,VNQ,VTV |
| Feb, 2014 | 5.20% | 6.84% | $43,791 | $33,849 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Jan, 2014 | -4.42% | -5.72% | $41,624 | $31,682 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Dec, 2013 | 4.68% | 4.49% | $43,547 | $33,605 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Oct, 2013 | 3.73% | 4.88% | $41,601 | $32,161 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Sep, 2013 | 3.14% | 4.15% | $40,105 | $30,665 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Jul, 2013 | 4.07% | 5.45% | $38,884 | $29,444 | EFA,QQQ,VBK,VBR,VEA,VTV |
| May, 2013 | -0.27% | -0.36% | $37,363 | $27,923 | EFA,QQQ,VBK,VBR,VEA,VTV |
| Apr, 2013 | 5.66% | 7.72% | $37,464 | $28,025 | EFA,VBK,VBR,VEA,VNQ,VTV |
| Feb, 2013 | 0.49% | 0.66% | $35,456 | $26,016 | EFA,MTUM,VBK,VBR,VNQ,VTV |
| Jan, 2013 | -1.95% | -2.65% | $35,285 | $25,845 | EFA,MTUM,VBK,VBR,VEA,VTV |
| Dec, 2012 | 2.88% | -3.80% | $35,987 | $26,547 | EFA,VBK,VBR,VEA,VNQ,VWO |
| Nov, 2012 | 1.01% | 1.28% | $34,981 | $27,596 | EFA,MTUM,VBK,VBR,VEA,VTV |
| Oct, 2012 | -0.15% | -0.19% | $34,632 | $27,247 | EFA,MTUM,VBR,VCIT,VEA,VTV |
| Aug, 2012 | 1.54% | 1.96% | $34,684 | $27,299 | MTUM,QQQ,VBK,VBR,VNQ,VTV |
| Jul, 2012 | 4.55% | 5.88% | $34,159 | $26,774 | MTUM,QQQ,VCIT,VGIT,VNQ,VTV |
| May, 2012 | -3.67% | -4.70% | $32,671 | $25,286 | MTUM,QQQ,VCIT,VGIT,VNQ,VTV |
| Apr, 2012 | 3.05% | 3.93% | $33,917 | $26,532 | MTUM,QQQ,VCIT,VGIT,VNQ,VTV |
| Feb, 2012 | 0.59% | 0.77% | $32,913 | $25,528 | MTUM,QQQ,VBK,VBR,VNQ,VTV |
| Jan, 2012 | 2.24% | 2.92% | $32,719 | $25,334 | IAU,QQQ,VBR,VCIT,VGIT,VNQ |
| Nov, 2011 | -1.63% | -2.11% | $32,001 | $24,616 | BIL,IAU,QQQ,VCIT,VGIT |
| Oct, 2011 | 1.36% | 1.77% | $32,531 | $25,146 | IAU,IGOV,QQQ,VCIT,VGIT,VNQ |
| Sep, 2011 | -4.01% | -5.15% | $32,094 | $24,709 | BIL,IAU,IGOV,VCIT,VGIT |
| Aug, 2011 | -8.85% | -11.08% | $33,435 | $26,050 | BIL,IAU,IGOV,VCIT,VGIT,VNQ |
| Jun, 2011 | -1.70% | -2.12% | $36,681 | $29,297 | EFA,MTUM,QQQ,VBK,VEA,VNQ |
| May, 2011 | 1.88% | 2.35% | $37,316 | $29,931 | EFA,IAU,VBK,VEA,VNQ,VWO |
| Mar, 2011 | 0.81% | 1.02% | $36,628 | $29,244 | GSG,IAU,QQQ,VBK,VBR,VNQ |
| Feb, 2011 | 4.29% | 5.44% | $36,333 | $28,948 | MTUM,QQQ,VBK,VBR,VNQ,VTV |
| Jan, 2011 | -4.92% | -6.16% | $34,839 | $27,454 | GSG,MTUM,QQQ,VBK,VBR,VNQ |
| Dec, 2010 | 6.47% | 1.45% | $36,641 | $29,256 | IAU,QQQ,VBK,VBR,VNQ,VWO |
| Nov, 2010 | 5.01% | 6.04% | $34,414 | $28,838 | IAU,QQQ,VBK,VBR,VNQ,VWO |
| Sep, 2010 | 4.38% | 5.33% | $32,773 | $27,197 | IAU,QQQ,VBK,VBR,VNQ,VWO |
| Aug, 2010 | 2.26% | 2.76% | $31,398 | $25,822 | IAU,IGOV,VCIT,VGIT,VNQ,VWO |
| Jun, 2010 | -9.74% | -11.65% | $30,705 | $25,129 | BIL,IAU,VCIT,VGIT,VGLT,VNQ |
| Apr, 2010 | 1.70% | 2.04% | $34,020 | $28,444 | IAU,QQQ,VBK,VBR,VNQ,VWO |
| Mar, 2010 | 2.09% | 2.52% | $33,452 | $27,876 | IAU,QQQ,VBK,VBR,VNQ,VWO |
| Dec, 2009 | 2.97% | 1.20% | $32,768 | $27,192 | QQQ,VBK,VBR,VEA,VNQ,VWO |
| Nov, 2009 | 2.73% | 3.24% | $31,821 | $26,870 | EFA,IAU,QQQ,VEA,VNQ,VWO |
| Sep, 2009 | 8.09% | 9.77% | $30,977 | $26,026 | EFA,VBK,VBR,VEA,VNQ,VWO |
| Aug, 2009 | 0.80% | 0.96% | $28,660 | $23,709 | EFA,VBK,VBR,VEA,VNQ,VWO |
| Jul, 2009 | 8.90% | 10.98% | $28,434 | $23,483 | EFA,QQQ,VBK,VBR,VEA,VWO |
| Jun, 2009 | 10.23% | 12.93% | $26,110 | $21,159 | IGOV,QQQ,VBK,VCIT,VGIT,VWO |
| Apr, 2009 | 0.05% | 0.07% | $23,687 | $18,736 | IAU,IGOV,VCIT,VGIT,VGLT,VWO |
| Mar, 2009 | 0.66% | 0.84% | $23,674 | $18,723 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Dec, 2008 | 4.17% | 5.34% | $23,518 | $18,567 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Oct, 2008 | -17.13% | -20.93% | $22,578 | $17,627 | BIL |
| Sep, 2008 | -4.88% | -5.90% | $27,245 | $22,294 | BIL,VNQ |
| Jul, 2008 | -2.44% | -2.93% | $28,643 | $23,692 | GSG,IAU,IGOV,VCIT,VGIT,VGLT |
| Jun, 2008 | 0.79% | 0.96% | $29,359 | $24,408 | GSG,IAU,IGOV,VCIT,VGIT,VGLT |
| Apr, 2008 | -0.58% | -0.70% | $29,128 | $24,177 | GSG,IAU,IGOV,VCIT,VGIT,VWO |
| Mar, 2008 | -2.78% | -3.32% | $29,300 | $24,348 | GSG,IAU,IGOV,VCIT,VGIT,VGLT |
| Feb, 2008 | 3.05% | 3.67% | $30,136 | $25,185 | GSG,IAU,IGOV,VCIT,VGIT,VWO |
| Jan, 2008 | -9.72% | -11.48% | $29,246 | $24,295 | GSG,IAU,IGOV,VCIT,VGIT,VGLT |
| Dec, 2007 | 0.36% | -8.62% | $32,396 | $27,445 | GSG,IAU,QQQ,VCIT,VGIT,VWO |
| Nov, 2007 | -5.77% | -6.18% | $32,279 | $30,034 | EFA,GSG,IAU,QQQ,VEA,VWO |
| Oct, 2007 | 13.97% | 15.10% | $34,257 | $32,012 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Aug, 2007 | 0.28% | 0.30% | $30,057 | $27,812 | EFA,MTUM,QQQ,VBK,VEA,VWO |
| Jul, 2007 | -0.34% | -0.36% | $29,974 | $27,729 | EFA,MTUM,QQQ,VBK,VEA,VWO |
| May, 2007 | 4.19% | 4.54% | $30,076 | $27,831 | EFA,MTUM,VBK,VEA,VTV,VWO |
| Apr, 2007 | 4.82% | 5.24% | $28,866 | $26,621 | EFA,MTUM,VBK,VEA,VTV,VWO |
| Feb, 2007 | -1.04% | -1.14% | $27,540 | $25,295 | EFA,IAU,VEA,VNQ,VTV,VWO |
| Jan, 2007 | 3.84% | 4.19% | $27,830 | $25,586 | EFA,VBR,VEA,VNQ,VTV,VWO |
| Nov, 2006 | 4.37% | 4.79% | $26,801 | $24,556 | EFA,IAU,VEA,VNQ,VTV,VWO |
| Oct, 2006 | 4.19% | 4.61% | $25,679 | $23,435 | EFA,VBR,VEA,VNQ,VTV,VWO |
| Aug, 2006 | 1.86% | 2.05% | $24,646 | $22,401 | EFA,IAU,VEA,VNQ,VTV,VWO |
| Jul, 2006 | 2.10% | 2.32% | $24,196 | $21,951 | EFA,IAU,VEA,VNQ,VTV,VWO |
| Jun, 2006 | -0.31% | -0.34% | $23,698 | $21,453 | EFA,IAU,VEA,VNQ,VTV,VWO |
| May, 2006 | -1.24% | -1.36% | $23,771 | $21,526 | EFA,IAU,VBK,VEA,VNQ,VWO |
| Mar, 2006 | 3.26% | 3.61% | $24,068 | $21,824 | EFA,IAU,VBK,VEA,VNQ,VWO |
| Feb, 2006 | -0.52% | -0.58% | $23,308 | $21,064 | EFA,IAU,VBK,VEA,VNQ,VWO |
| Jan, 2006 | 11.92% | 13.35% | $23,431 | $21,186 | EFA,IAU,VBK,VEA,VNQ,VWO |
| Nov, 2005 | 4.86% | 5.47% | $20,935 | $18,690 | EFA,IAU,QQQ,VBK,VEA,VWO |
| Oct, 2005 | -4.47% | -5.01% | $19,965 | $17,720 | EFA,IAU,VBK,VBR,VEA,VWO |
| Sep, 2005 | 3.99% | 4.49% | $20,899 | $18,654 | EFA,GSG,IAU,VBK,VEA,VWO |
| Aug, 2005 | 5.34% | 6.05% | $20,097 | $17,852 | EFA,GSG,VBK,VBR,VEA,VWO |
| Jun, 2005 | 2.04% | 2.32% | $19,078 | $16,834 | GSG,IAU,VBK,VBR,VTV,VWO |
| May, 2005 | -1.01% | -1.15% | $18,696 | $16,452 | VBK,VBR,VCIT,VGIT,VTV,VWO |
| Mar, 2005 | -3.35% | -3.78% | $18,887 | $16,642 | EFA,GSG,VBR,VEA,VTV,VWO |
| Feb, 2005 | 4.54% | 5.15% | $19,541 | $17,296 | EFA,VBK,VBR,VEA,VTV,VWO |
| Jan, 2005 | -5.75% | -6.48% | $18,693 | $16,448 | EFA,VBK,VBR,VEA,VTV,VWO |
| Dec, 2004 | 3.06% | -0.93% | $19,833 | $17,589 | EFA,VBK,VBR,VEA,VTV,VWO |
| Nov, 2004 | 9.19% | 10.04% | $19,244 | $17,753 | EFA,IAU,VBK,VBR,VEA,VWO |
| Sep, 2004 | 3.74% | 4.10% | $17,624 | $16,133 | EFA,GSG,IAU,VBR,VEA,VWO |
| Aug, 2004 | -3.64% | -3.98% | $16,988 | $15,497 | EFA,GSG,VBR,VEA,VTV,VWO |
| Jun, 2004 | 2.32% | 2.54% | $17,630 | $16,139 | EFA,MTUM,VBK,VBR,VEA,VTV |
| Apr, 2004 | -7.43% | -8.08% | $17,230 | $15,739 | EFA,GSG,VBK,VBR,VEA,VWO |
| Mar, 2004 | 0.65% | 0.71% | $18,613 | $17,122 | EFA,IAU,VBK,VBR,VEA,VWO |
| Dec, 2003 | 8.97% | 5.41% | $18,493 | $17,002 | EFA,IAU,VBK,VBR,VEA,VWO |
| Oct, 2003 | 8.28% | 8.75% | $16,970 | $16,129 | EFA,IAU,VBK,VBR,VEA,VWO |
| Sep, 2003 | 7.53% | 7.99% | $15,672 | $14,831 | EFA,IAU,VBK,VBR,VEA,VWO |
| Jul, 2003 | 4.10% | 4.36% | $14,575 | $13,733 | EFA,IAU,VBK,VBR,VEA,VWO |
| Jun, 2003 | 3.22% | 3.43% | $14,000 | $13,159 | IAU,MTUM,VBK,VEA,VTV,VWO |
| Apr, 2003 | 0.87% | 0.93% | $13,564 | $12,722 | IGOV,MTUM,VCIT,VGIT,VGLT,VTV |
| Mar, 2003 | -0.13% | -0.14% | $13,447 | $12,605 | BIL,IGOV,VCIT,VGIT,VGLT |
| Feb, 2003 | 1.38% | 1.47% | $13,464 | $12,622 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Jan, 2003 | -0.67% | -0.72% | $13,281 | $12,439 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Dec, 2002 | 2.10% | 1.44% | $13,370 | $12,529 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Oct, 2002 | -0.61% | -0.65% | $13,096 | $12,351 | BIL,IGOV,VCIT,VGIT,VGLT |
| Sep, 2002 | 3.22% | 3.41% | $13,176 | $12,432 | BIL,IGOV,VCIT,VGIT,VGLT |
| Jul, 2002 | -11.99% | -12.64% | $12,766 | $12,021 | BIL,IGOV,VCIT,VGIT,VGLT |
| May, 2002 | 2.29% | 2.42% | $14,506 | $13,761 | IAU,IGOV,VBR,VCIT,VGIT,VWO |
| Apr, 2002 | 5.32% | 5.63% | $14,181 | $13,436 | IAU,VBK,VBR,VCIT,VGIT,VWO |
| Feb, 2002 | 1.86% | 1.97% | $13,465 | $12,720 | IAU,IGOV,VBR,VCIT,VGIT,VWO |
| Jan, 2002 | 0.19% | 0.20% | $13,219 | $12,474 | IAU,VBK,VBR,VCIT,VGIT,VWO |
| Dec, 2001 | 1.68% | -0.56% | $13,194 | $12,449 | IAU,VBK,VBR,VCIT,VGIT,VWO |
| Nov, 2001 | -1.06% | -1.10% | $12,976 | $12,520 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Oct, 2001 | 0.87% | 0.90% | $13,115 | $12,658 | BIL,IAU,IGOV,VCIT,VGIT,VGLT |
| Aug, 2001 | 1.17% | 1.21% | $13,001 | $12,545 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Jul, 2001 | 0.71% | 0.74% | $12,851 | $12,395 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| May, 2001 | 2.12% | 2.20% | $12,761 | $12,304 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Apr, 2001 | 0.60% | 0.62% | $12,496 | $12,039 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Feb, 2001 | -0.59% | -0.61% | $12,421 | $11,965 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Jan, 2001 | 7.30% | 7.60% | $12,495 | $12,038 | IAU,IGOV,VBR,VCIT,VGIT,VTV |
| Nov, 2000 | -3.56% | -3.70% | $11,645 | $11,188 | IAU,IGOV,VBR,VCIT,VGIT,VGLT |
| Oct, 2000 | -3.03% | -3.15% | $12,075 | $11,619 | IGOV,VBK,VBR,VCIT,VGIT,VTV |
| Aug, 2000 | 3.24% | 3.37% | $12,452 | $11,996 | IAU,MTUM,VBK,VBR,VCIT,VTV |
| Jul, 2000 | -2.27% | -2.36% | $12,061 | $11,605 | IGOV,MTUM,VBR,VCIT,VGIT,VGLT |
| Jun, 2000 | 2.44% | 2.53% | $12,341 | $11,885 | EFA,VBK,VBR,VCIT,VEA,VGIT |
| May, 2000 | -7.44% | -7.71% | $12,048 | $11,592 | MTUM,VBK,VBR,VCIT,VGIT,VTV |
| Mar, 2000 | 1.02% | 1.06% | $13,017 | $12,560 | EFA,MTUM,VBK,VBR,VEA,VWO |
| Feb, 2000 | 4.08% | 4.24% | $12,885 | $12,428 | EFA,MTUM,VBK,VBR,VEA,VWO |
| Jan, 2000 | -6.67% | -6.91% | $12,379 | $11,923 | EFA,IAU,MTUM,VBK,VEA,VWO |
| Dec, 1999 | 9.75% | 8.38% | $13,264 | $12,808 | EFA,IAU,MTUM,VBK,VEA,VWO |
| Nov, 1999 | 4.49% | 4.60% | $12,085 | $11,818 | EFA,IAU,MTUM,VBK,VEA,VWO |
| Sep, 1999 | 2.03% | 2.08% | $11,566 | $11,299 | EFA,IAU,VBK,VBR,VEA,VWO |
| Aug, 1999 | -3.12% | -3.20% | $11,335 | $11,068 | EFA,IAU,MTUM,VEA,VTV,VWO |
| Jun, 1999 | 0.46% | 0.47% | $11,701 | $11,433 | IAU,MTUM,VBR,VEA,VTV,VWO |
| Apr, 1999 | 7.02% | 7.20% | $11,647 | $11,380 | EFA,IAU,MTUM,VEA,VTV,VWO |
| Mar, 1999 | -0.60% | -0.61% | $10,883 | $10,616 | EFA,MTUM,VBK,VEA,VTV,VWO |
| Dec, 1998 | 2.76% | 0.25% | $10,949 | $10,681 | EFA,MTUM,VCIT,VEA,VGIT,VTV |
| Nov, 1998 | -0.06% | -0.06% | $10,654 | $10,654 | EFA,MTUM,VCIT,VEA,VGIT,VTV |
| Sep, 1998 | 1.98% | 1.98% | $10,661 | $10,661 | BIL |
| Aug, 1998 | 1.91% | 1.91% | $10,454 | $10,454 | BIL |
| Jul, 1998 | 0.21% | 0.21% | $10,258 | $10,258 | BIL |
| Jun, 1998 | 1.83% | 1.83% | $10,236 | $10,236 | BIL |
| Apr, 1998 | 0.53% | 0.53% | $10,052 | $10,052 | BIL |
| Mar, 1998 | 0.00% | 0.00% | $10,000 | $10,000 | BIL |
📝 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)