← Back to All Backtests

gtaa6

hold_until_replaced

Strategy Description

GTAA 6 Hold Until Replaced - only rebalance when signals change (1998-2026)

Universe: ["GSG", "IAU", "VBK", "VWO", "VBR", "VEA", "VTV", "VCIT", "VGIT", "IGOV", "EFA", "QQQ", "VNQ", "MTUM", "VGLT"]

Rebalance Frequency: on_signal_change | Period: 1998-01-01T00:00:00Z to 2026-05-01T00:00:00Z | Top N: 6

Portfolio Value Over Time

After-tax performance

Performance Summary

27.3 years of data
After-Tax CAGR
8.42%
Pre-Tax: 11.30%
Final Value
$91197
From $10,000
Tax Drag
2.88%
Total Taxes: $31118
Effective Tax Rate
17.6%
On gains
Total Transactions
992
36 per year

Annual Returns

28 years
Year Pre-Tax Return After-Tax Return Tax Drag Pre-Tax Value After-Tax Value
2026 6.92% -0.27% 7.19% $186658 $91197
2025 15.85% 13.67% 2.18% $165168 $86482
2024 16.16% 13.67% 2.49% $136467 $72799
2023 3.21% 3.24% -0.02% $118004 $64328
2022 -3.53% -5.47% 1.95% $111053 $60513
2021 17.45% 10.43% 7.02% $119884 $66759
2020 19.64% 19.64% -0.00% $100648 $59609
2019 7.22% 4.99% 2.23% $84704 $50171
2018 -7.27% -11.08% 3.81% $78104 $47237
2017 20.93% 19.03% 1.90% $79045 $49844
2016 10.21% 8.37% 1.84% $64001 $40996
2015 -6.07% -9.39% 3.32% $59258 $38605
2014 13.94% 10.89% 3.05% $62686 $42325
2013 21.54% 20.60% 0.94% $57109 $39632
2012 7.49% 4.09% 3.40% $44979 $31468
2011 2.01% -2.27% 4.29% $40956 $29588
2010 17.87% 14.05% 3.81% $39679 $29915
2009 32.90% 28.37% 4.52% $36111 $28156
2008 -11.22% -14.84% 3.61% $27080 $21858
2007 15.17% 13.17% 1.99% $31352 $26404
2006 14.47% 10.15% 4.32% $26618 $22831
2005 16.25% 13.75% 2.50% $21524 $19164
2004 12.22% 7.86% 4.36% $18971 $17266
2003 39.83% 37.50% 2.33% $16703 $15816
2002 -3.23% -4.54% 1.31% $11875 $11434
2001 -0.63% -1.73% 1.10% $11978 $11692
2000 3.72% 2.36% 1.35% $11702 $11549
1999 18.46% 18.46% 0.00% $11846 $11846

Monthly Returns

Last 120 months | 329 total
Date Pre-Tax Value After-Tax Value Pre-Tax Return After-Tax Return Holdings Cash %
Jan, 1999 $10000 $10000 - - VTV,VEA,IGOV,BIL 50%
Feb, 1999 $9812 $9812 -1.88% -1.88% VTV,VEA,IGOV,VWO,BIL 33%
Mar, 1999 $10159 $10159 3.54% 3.54% VTV,VEA,IGOV,VWO,BIL 32%
Apr, 1999 $10693 $10693 5.25% 5.25% VTV,VEA,IGOV,VWO,IAU,BIL 14%
May, 1999 $10231 $10231 -4.32% -4.32% VTV,VEA,VWO,VBK,VBR,BIL 13%
Jun, 1999 $10734 $10734 4.91% 4.91% VTV,VEA,VWO,VBK,VBR,IAU 0%
Jul, 1999 $10601 $10601 -1.24% -1.24% VTV,VEA,VWO,VBK,VBR,IAU 0%
Aug, 1999 $10374 $10374 -2.14% -2.14% VTV,VEA,VWO,VBK,VBR,IAU 0%
Sep, 1999 $10582 $10582 2.00% 2.00% VEA,VWO,VBK,VBR,IAU,BIL 16%
Oct, 1999 $10576 $10576 -0.06% -0.06% VEA,VWO,VBK,IAU,VTV,IGOV 0%
Nov, 1999 $10945 $10945 3.50% 3.50% VEA,VWO,VBK,IAU,VTV,IGOV 0%
Dec, 1999 $11846 $11846 8.23% 8.23% VEA,VWO,VBK,IAU,VTV,VBR 0%
Jan, 2000 $11283 $11283 -4.76% -4.76% VEA,VWO,VBK,IAU,IGOV,BIL 12%
Feb, 2000 $11803 $11803 4.62% 4.62% VEA,VWO,VBK,IGOV,VBR,BIL 6%
Mar, 2000 $11745 $11745 -0.50% -0.50% VEA,VWO,VBK,IGOV,VBR,VTV 0%
Apr, 2000 $11339 $11339 -3.45% -3.45% VEA,VWO,VBK,IGOV,VBR,VTV 0%
May, 2000 $11028 $11028 -2.74% -2.74% VBK,IGOV,VBR,VTV,BIL 39%
Jun, 2000 $11355 $11355 2.96% 2.96% VBK,IGOV,VBR,VEA,BIL 27%
Jul, 2000 $11197 $11197 -1.39% -1.39% IGOV,VBR,VTV,BIL 47%
Aug, 2000 $11589 $11589 3.50% 3.50% IGOV,VBR,VTV,IAU,VBK,BIL 13%
Sep, 2000 $11372 $11372 -1.87% -1.87% IGOV,VBR,VTV,VBK,BIL 29%
Oct, 2000 $11468 $11468 0.85% 0.85% IGOV,VBR,VTV,VBK,BIL 29%
Nov, 2000 $11028 $11028 -3.84% -3.84% IGOV,VBR,VTV,IAU,BIL 28%
Dec, 2000 $11702 $11549 6.12% 4.73% IGOV,VBR,VTV,IAU,BIL 27%
Jan, 2001 $12054 $11898 3.01% 3.02% IGOV,VBR,VTV,IAU,BIL 27%
Feb, 2001 $11937 $11782 -0.97% -0.98% IGOV,VBR,VTV,IAU,BIL 27%
Mar, 2001 $11495 $11344 -3.70% -3.72% IGOV,VBR,BIL 60%
Apr, 2001 $11597 $11445 0.89% 0.89% IGOV,VBR,IAU,VTV,BIL 26%
May, 2001 $11856 $11700 2.23% 2.23% IGOV,VBR,IAU,VTV,BIL 26%
Jun, 2001 $11884 $11728 0.24% 0.24% IGOV,VBR,IAU,VBK,BIL 25%
Jul, 2001 $11781 $11627 -0.86% -0.87% IGOV,VBR,IAU,VBK,BIL 26%
Aug, 2001 $11819 $11664 0.32% 0.32% IGOV,VBR,IAU,BIL 42%
Sep, 2001 $11589 $11436 -1.95% -1.95% IGOV,IAU,BIL 63%
Oct, 2001 $11764 $11608 1.51% 1.51% IGOV,IAU,BIL 63%
Nov, 2001 $11639 $11485 -1.06% -1.06% IGOV,IAU,VBK,VBR,BIL 29%
Dec, 2001 $11978 $11692 2.91% 1.80% IGOV,IAU,VBK,VBR,VWO,BIL 12%
Jan, 2002 $12271 $11979 2.45% 2.45% IGOV,IAU,VBK,VBR,VWO,BIL 11%
Feb, 2002 $12485 $12188 1.74% 1.75% IGOV,IAU,VBK,VBR,VWO,BIL 11%
Mar, 2002 $13024 $12717 4.32% 4.34% IAU,VBK,VBR,VWO,VTV,VEA 0%
Apr, 2002 $13165 $12855 1.08% 1.09% IAU,VBK,VBR,VWO,VEA,IGOV 0%
May, 2002 $13426 $13109 1.98% 1.98% IAU,VBK,VBR,VWO,VEA,IGOV 0%
Jun, 2002 $12545 $12247 -6.56% -6.57% IAU,VBR,VWO,VEA,IGOV,BIL 16%
Jul, 2002 $11410 $11139 -9.04% -9.05% IGOV,BIL 82%
Aug, 2002 $11600 $11325 1.66% 1.66% IGOV,IAU,BIL 65%
Sep, 2002 $11703 $11425 0.89% 0.89% IGOV,BIL 82%
Oct, 2002 $11631 $11355 -0.61% -0.61% IGOV,BIL 82%
Nov, 2002 $11634 $11358 0.02% 0.02% IGOV,BIL 82%
Dec, 2002 $11875 $11434 2.07% 0.67% IGOV,IAU,BIL 65%
Jan, 2003 $11945 $11503 0.59% 0.60% IGOV,IAU,BIL 65%
Feb, 2003 $11974 $11531 0.24% 0.24% IGOV,IAU,BIL 66%
Mar, 2003 $11842 $11403 -1.11% -1.11% IGOV,BIL 81%
Apr, 2003 $11944 $11502 0.87% 0.87% IGOV,VBK,VBR,VWO,VTV,VEA 0%
May, 2003 $12701 $12230 6.34% 6.34% IGOV,VBK,VBR,VWO,VTV,IAU 0%
Jun, 2003 $12983 $12502 2.22% 2.22% VBK,VBR,VWO,VTV,IAU,VEA,BIL 1%
Jul, 2003 $13533 $13031 4.24% 4.24% VBK,VBR,VWO,VTV,IAU,VEA,BIL 1%
Aug, 2003 $14260 $13731 5.37% 5.37% VBK,VBR,VWO,VTV,IAU,VEA,BIL 1%
Sep, 2003 $14372 $13839 0.79% 0.79% VBK,VBR,VWO,VTV,IAU,VEA,BIL 1%
Oct, 2003 $15497 $14922 7.82% 7.82% VBK,VBR,VWO,IAU,VEA,GSG 0%
Nov, 2003 $16064 $15469 3.66% 3.66% VBK,VBR,VWO,IAU,VEA,GSG 0%
Dec, 2003 $16703 $15816 3.98% 2.25% VBK,VBR,VWO,IAU,VEA,VTV 0%
Jan, 2004 $16906 $16008 1.21% 1.21% VBK,VBR,VWO,IAU,VEA,VTV 0%
Feb, 2004 $17298 $16382 2.32% 2.33% VBK,VBR,VWO,IAU,VEA,VTV 0%
Mar, 2004 $17410 $16489 0.65% 0.65% VBK,VBR,VWO,IAU,VEA,GSG 0%
Apr, 2004 $16135 $15280 -7.32% -7.33% VBK,VBR,VWO,VEA,GSG,VTV 0%
May, 2004 $16332 $15464 1.22% 1.21% VBK,VBR,VWO,VEA,GSG,VTV 0%
Jun, 2004 $16571 $15695 1.46% 1.49% VBK,VBR,VEA,GSG,VTV,BIL 18%
Jul, 2004 $16185 $15327 -2.32% -2.34% VBR,VEA,GSG,VTV,BIL 36%
Aug, 2004 $16405 $15536 1.36% 1.36% VBR,VEA,GSG,VTV,VWO,BIL 19%
Sep, 2004 $16925 $16025 3.17% 3.15% VBR,VEA,GSG,VTV,VWO,IAU,BIL 2%
Oct, 2004 $17295 $16375 2.19% 2.18% VBR,VEA,GSG,VTV,VWO,IAU,BIL 2%
Nov, 2004 $18433 $17457 6.58% 6.60% VBR,VEA,VTV,VWO,IAU,VBK 0%
Dec, 2004 $18971 $17266 2.92% -1.09% VBR,VEA,VTV,VWO,IAU,VBK 0%
Jan, 2005 $18516 $16847 -2.40% -2.43% VBR,VEA,VTV,VWO,IAU,VBK 0%
Feb, 2005 $19281 $17555 4.13% 4.20% VBR,VEA,VTV,VWO,IAU,VBK 0%
Mar, 2005 $18694 $17013 -3.04% -3.09% VBR,VEA,VTV,VWO,IAU,GSG 0%
Apr, 2005 $18277 $16639 -2.23% -2.19% VBR,VEA,VTV,VWO,IAU,IGOV 0%
May, 2005 $18528 $16867 1.37% 1.37% VBR,VEA,VTV,VWO,IGOV,VBK 0%
Jun, 2005 $18947 $17251 2.26% 2.28% VBR,VTV,VWO,VBK,IAU,GSG 0%
Jul, 2005 $19697 $17940 3.96% 3.99% VBR,VTV,VWO,VBK,GSG,VEA 0%
Aug, 2005 $19993 $18193 1.50% 1.41% VBR,VWO,VBK,GSG,VEA,IAU 0%
Sep, 2005 $20824 $18954 4.16% 4.19% VBR,VWO,VBK,GSG,VEA,IAU 0%
Oct, 2005 $19927 $18145 -4.31% -4.27% VBR,VWO,VBK,VEA,IAU,VTV 0%
Nov, 2005 $20913 $19048 4.95% 4.98% VBR,VWO,VBK,VEA,IAU,VTV 0%
Dec, 2005 $21524 $19164 2.92% 0.61% VBR,VWO,VBK,VEA,IAU,VTV 0%
Jan, 2006 $23254 $20728 8.04% 8.16% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Feb, 2006 $23168 $20643 -0.37% -0.41% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Mar, 2006 $23949 $21334 3.37% 3.35% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Apr, 2006 $24829 $22148 3.67% 3.82% VBR,VWO,VBK,VEA,IAU,VNQ 0%
May, 2006 $23545 $20995 -5.17% -5.21% VWO,VBK,VEA,IAU,VNQ,VTV 0%
Jun, 2006 $23499 $20932 -0.20% -0.30% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Jul, 2006 $23917 $21297 1.78% 1.74% VWO,VEA,IAU,VNQ,VTV,GSG 0%
Aug, 2006 $24180 $21518 1.10% 1.04% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Sep, 2006 $24229 $21552 0.20% 0.16% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Oct, 2006 $25213 $22419 4.06% 4.02% VWO,VEA,VNQ,VTV,VBR,QQQ 0%
Nov, 2006 $26284 $23370 4.25% 4.24% VWO,VEA,VNQ,VTV,VBR,IAU 0%
Dec, 2006 $26618 $22831 1.27% -2.31% VWO,VEA,VNQ,VTV,VBR,IAU 0%
Jan, 2007 $27223 $23331 2.27% 2.19% VWO,VEA,VNQ,VTV,VBR,QQQ 0%
Feb, 2007 $26856 $23024 -1.35% -1.32% VWO,VEA,VNQ,VTV,VBR,IAU 0%
Mar, 2007 $27178 $23315 1.20% 1.27% VWO,VEA,VNQ,VTV,IAU,VBK 0%
Apr, 2007 $28004 $24038 3.04% 3.10% VWO,VEA,VNQ,VTV,VBK,QQQ 0%
May, 2007 $29000 $24912 3.56% 3.63% VWO,VEA,VTV,VBK,QQQ,VBR 0%
Jun, 2007 $29104 $25011 0.36% 0.40% VWO,VEA,VTV,VBK,QQQ,VBR 0%
Jul, 2007 $28639 $24629 -1.60% -1.53% VWO,VEA,VBK,QQQ,IGOV,BIL 12%
Aug, 2007 $28816 $24775 0.62% 0.59% VWO,VEA,VBK,QQQ,IGOV,VTV 0%
Sep, 2007 $30406 $26151 5.52% 5.55% VWO,VEA,VBK,QQQ,IAU,GSG 0%
Oct, 2007 $32672 $28107 7.45% 7.48% VWO,VEA,VBK,QQQ,IAU,GSG 0%
Nov, 2007 $31027 $26673 -5.04% -5.10% VWO,VEA,QQQ,IAU,GSG,IGOV 0%
Dec, 2007 $31352 $26404 1.05% -1.01% VWO,VEA,QQQ,IAU,GSG,IGOV 0%
Jan, 2008 $30503 $25666 -2.71% -2.80% IAU,GSG,IGOV,BIL 52%
Feb, 2008 $31487 $26464 3.22% 3.11% IAU,GSG,IGOV,VWO,BIL 34%
Mar, 2008 $30532 $25679 -3.03% -2.97% IAU,GSG,IGOV,BIL 51%
Apr, 2008 $30296 $25473 -0.77% -0.80% IAU,GSG,IGOV,VEA,VWO,BIL 18%
May, 2008 $30561 $25689 0.87% 0.85% IAU,GSG,IGOV,VWO,QQQ,VBK,BIL 1%
Jun, 2008 $29909 $25121 -2.13% -2.21% IAU,GSG,IGOV,BIL 48%
Jul, 2008 $29160 $24525 -2.50% -2.37% IAU,GSG,IGOV,BIL 49%
Aug, 2008 $28398 $23897 -2.61% -2.56% IGOV,VBK,VNQ,VBR,BIL 35%
Sep, 2008 $27367 $23029 -3.63% -3.63% VNQ,BIL 83%
Oct, 2008 $25288 $21280 -7.60% -7.60% BIL 100%
Nov, 2008 $26209 $22055 3.64% 3.64% IGOV,BIL 83%
Dec, 2008 $27080 $21858 3.32% -0.89% IGOV,IAU,BIL 68%
Jan, 2009 $27172 $21932 0.34% 0.34% IGOV,IAU,BIL 67%
Feb, 2009 $27146 $21911 -0.10% -0.10% IGOV,IAU,BIL 67%
Mar, 2009 $27354 $22081 0.77% 0.77% IGOV,IAU,BIL 67%
Apr, 2009 $27278 $22019 -0.28% -0.28% IGOV,IAU,QQQ,VWO,BIL 33%
May, 2009 $28836 $23279 5.71% 5.72% IGOV,IAU,QQQ,VWO,VBK,VEA 0%
Jun, 2009 $28675 $23148 -0.56% -0.56% IGOV,QQQ,VWO,VBK,VEA,VBR,BIL 0%
Jul, 2009 $31116 $25119 8.51% 8.51% QQQ,VWO,VBK,VEA,VBR,VTV 0%
Aug, 2009 $32032 $25858 2.94% 2.95% QQQ,VWO,VBK,VEA,VBR,VNQ 0%
Sep, 2009 $34153 $27571 6.62% 6.62% QQQ,VWO,VBK,VEA,VBR,VNQ 0%
Oct, 2009 $32772 $26455 -4.04% -4.05% QQQ,VWO,VEA,VNQ,IAU,GSG,BIL 0%
Nov, 2009 $35022 $28271 6.87% 6.86% QQQ,VWO,VEA,VNQ,IAU,VBK,BIL 0%
Dec, 2009 $36111 $28156 3.11% -0.41% QQQ,VWO,VEA,VNQ,VBK,VBR 0%
Jan, 2010 $33664 $26229 -6.77% -6.84% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Feb, 2010 $35028 $27298 4.05% 4.08% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Mar, 2010 $37878 $29527 8.14% 8.16% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Apr, 2010 $39274 $30628 3.69% 3.73% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
May, 2010 $36322 $28328 -7.52% -7.51% QQQ,VNQ,VBK,VBR,IAU,VGLT 0%
Jun, 2010 $35047 $27298 -3.51% -3.63% VNQ,IAU,VGLT,VGIT,VCIT,BIL 17%
Jul, 2010 $35508 $27665 1.32% 1.34% VNQ,VGLT,VCIT,VBK,VWO,VBR,BIL 0%
Aug, 2010 $34986 $27222 -1.47% -1.60% VNQ,VGLT,VCIT,VWO,IAU,VGIT 0%
Sep, 2010 $36196 $28175 3.46% 3.50% VNQ,VGLT,VWO,IAU,QQQ,VBK 0%
Oct, 2010 $37397 $29134 3.32% 3.41% VNQ,VWO,IAU,QQQ,VBK,VBR 0%
Nov, 2010 $37530 $29237 0.36% 0.35% VNQ,VWO,IAU,QQQ,VBK,VBR 0%
Dec, 2010 $39679 $29915 5.73% 2.32% VNQ,VWO,QQQ,VBK,VBR,VTV,BIL 0%
Jan, 2011 $40148 $30276 1.18% 1.21% VNQ,QQQ,VBK,VBR,VTV,GSG 0%
Feb, 2011 $41838 $31560 4.21% 4.24% VNQ,QQQ,VBK,VBR,VTV,GSG 0%
Mar, 2011 $42214 $31838 0.90% 0.88% VNQ,QQQ,VBK,VBR,GSG,IAU,BIL 0%
Apr, 2011 $44169 $33311 4.63% 4.63% VNQ,VBK,VBR,GSG,IAU,VEA,BIL 0%
May, 2011 $43180 $32589 -2.24% -2.17% VNQ,VBK,IAU,VEA,VTV,VWO 0%
Jun, 2011 $42291 $31912 -2.06% -2.08% VNQ,VBK,VEA,VTV,QQQ,VBR 0%
Jul, 2011 $41650 $31432 -1.52% -1.50% VNQ,VBK,QQQ,IAU,VGLT,VCIT 0%
Aug, 2011 $41781 $31494 0.31% 0.20% IAU,VGLT,VCIT,VGIT,IGOV,BIL 17%
Sep, 2011 $41305 $31141 -1.14% -1.12% IAU,VGLT,VCIT,VGIT,IGOV,BIL 17%
Oct, 2011 $41524 $31298 0.53% 0.50% IAU,VGLT,VCIT,VGIT,QQQ,VNQ 0%
Nov, 2011 $41344 $31154 -0.43% -0.46% IAU,VGLT,VCIT,VGIT,QQQ,BIL 16%
Dec, 2011 $40956 $29588 -0.94% -5.03% VGLT,VCIT,VGIT,VTV,VNQ,BIL 16%
Jan, 2012 $41846 $30232 2.17% 2.18% VGLT,VCIT,VGIT,VNQ,IAU,QQQ 0%
Feb, 2012 $41746 $30167 -0.24% -0.21% VGLT,VNQ,QQQ,VBK,VTV,VBR 0%
Mar, 2012 $42580 $30777 2.00% 2.02% VNQ,QQQ,VBK,VTV,VBR,VWO,BIL 2%
Apr, 2012 $42371 $30630 -0.49% -0.48% VNQ,QQQ,VTV,VGLT,VGIT,VCIT 0%
May, 2012 $41821 $30211 -1.30% -1.37% VNQ,QQQ,VTV,VGLT,VGIT,VCIT 0%
Jun, 2012 $42691 $30851 2.08% 2.12% VNQ,QQQ,VTV,VGLT,VGIT,VCIT 0%
Jul, 2012 $43453 $31399 1.78% 1.77% VNQ,QQQ,VTV,VGLT,VGIT,VCIT 0%
Aug, 2012 $43859 $31701 0.94% 0.96% VNQ,QQQ,VTV,VGLT,VBK,VBR 0%
Sep, 2012 $44226 $31956 0.84% 0.80% VNQ,QQQ,VTV,VBK,VBR,IAU,BIL 0%
Oct, 2012 $43332 $31300 -2.02% -2.05% VTV,VBK,VBR,IGOV,VEA,VCIT,BIL 0%
Nov, 2012 $43620 $31505 0.67% 0.66% VTV,VBK,VBR,VEA,QQQ,VWO 0%
Dec, 2012 $44979 $31468 3.12% -0.12% VTV,VBK,VBR,VEA,VWO,VNQ 0%
Jan, 2013 $46986 $32862 4.46% 4.43% VTV,VBK,VBR,VEA,VWO,VNQ 0%
Feb, 2013 $47122 $32942 0.29% 0.24% VTV,VBK,VBR,VEA,VWO,VNQ 0%
Mar, 2013 $48445 $33853 2.81% 2.77% VTV,VBK,VBR,VEA,VNQ,QQQ 0%
Apr, 2013 $49726 $34762 2.64% 2.68% VTV,VBK,VBR,VEA,VNQ,QQQ 0%
May, 2013 $50100 $35008 0.75% 0.71% VTV,VBK,VBR,VEA,VNQ,QQQ 0%
Jun, 2013 $49253 $34414 -1.69% -1.70% VTV,VBK,VBR,VEA,VNQ,QQQ 0%
Jul, 2013 $51866 $36231 5.31% 5.28% VTV,VBK,VBR,VEA,QQQ,GSG 0%
Aug, 2013 $51032 $35664 -1.61% -1.57% VTV,VBK,VBR,VEA,QQQ,GSG 0%
Sep, 2013 $53022 $37046 3.90% 3.88% VTV,VBK,VBR,VEA,QQQ,IGOV 0%
Oct, 2013 $54837 $38311 3.42% 3.42% VTV,VBK,VBR,VEA,QQQ,VWO 0%
Nov, 2013 $55959 $39088 2.04% 2.03% VTV,VBK,VBR,VEA,QQQ,VWO 0%
Dec, 2013 $57109 $39632 2.06% 1.39% VTV,VBK,VBR,VEA,QQQ,VWO 0%
Jan, 2014 $55015 $38168 -3.67% -3.69% VTV,VBK,VBR,VEA,QQQ,VCIT 0%
Feb, 2014 $57509 $39898 4.53% 4.53% VTV,VBK,VBR,VEA,QQQ,VNQ 0%
Mar, 2014 $57416 $39824 -0.16% -0.19% VTV,VBK,VBR,VEA,QQQ,VNQ 0%
Apr, 2014 $57333 $39771 -0.15% -0.13% VTV,VBR,VEA,QQQ,VNQ,MTUM,BIL 2%
May, 2014 $58790 $40785 2.54% 2.55% VTV,VBR,VEA,QQQ,VNQ,MTUM,BIL 1%
Jun, 2014 $60147 $41716 2.31% 2.28% VTV,VBR,QQQ,VNQ,MTUM,VBK,BIL 1%
Jul, 2014 $58966 $40917 -1.96% -1.91% VTV,QQQ,VNQ,MTUM,VEA,VWO,BIL 2%
Aug, 2014 $60919 $42281 3.31% 3.33% VTV,QQQ,VNQ,MTUM,VWO,VBR,BIL 1%
Sep, 2014 $58856 $40846 -3.39% -3.39% VTV,QQQ,VNQ,MTUM,VGLT,VCIT,BIL 0%
Oct, 2014 $60628 $42084 3.01% 3.03% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Nov, 2014 $62322 $43267 2.79% 2.81% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Dec, 2014 $62686 $42325 0.58% -2.18% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Jan, 2015 $63089 $42606 0.64% 0.66% QQQ,VNQ,MTUM,VGLT,IAU,VCIT 0%
Feb, 2015 $62756 $42393 -0.53% -0.50% QQQ,VNQ,MTUM,VGLT,VBR,VTV 0%
Mar, 2015 $62682 $42347 -0.12% -0.11% QQQ,VNQ,MTUM,VGLT,VBR,VBK 0%
Apr, 2015 $61724 $41698 -1.53% -1.53% QQQ,MTUM,VBR,VBK,VTV,VWO 0%
May, 2015 $62568 $42256 1.37% 1.34% QQQ,MTUM,VBR,VBK,VTV,VEA 0%
Jun, 2015 $61591 $41586 -1.56% -1.59% QQQ,MTUM,VBR,VBK,VTV,VGIT 0%
Jul, 2015 $62666 $42323 1.75% 1.77% QQQ,MTUM,VBR,VBK,VTV,BIL 14%
Aug, 2015 $59351 $40098 -5.29% -5.26% VGIT,BIL 83%
Sep, 2015 $59449 $40164 0.17% 0.17% VGIT,VGLT,VCIT,BIL 50%
Oct, 2015 $59370 $40111 -0.13% -0.13% VGIT,MTUM,QQQ,VTV,VNQ,BIL 17%
Nov, 2015 $59436 $40155 0.11% 0.11% MTUM,QQQ,VTV,VNQ,VCIT,BIL 17%
Dec, 2015 $59258 $38605 -0.30% -3.86% MTUM,QQQ,VNQ,VGIT,BIL 34%
Jan, 2016 $58074 $37831 -2.00% -2.01% VGIT,VGLT,VCIT,IGOV,BIL 32%
Feb, 2016 $58821 $38318 1.29% 1.29% VGIT,VGLT,VCIT,IGOV,IAU,VNQ 0%
Mar, 2016 $60337 $39295 2.58% 2.55% VGLT,IGOV,IAU,VNQ,VTV,MTUM,BIL 0%
Apr, 2016 $60823 $39614 0.81% 0.81% VGLT,IGOV,IAU,VNQ,VTV,VBR,BIL 0%
May, 2016 $60496 $39399 -0.54% -0.54% VGLT,IGOV,VNQ,VTV,VBR,MTUM 0%
Jun, 2016 $62550 $40732 3.40% 3.38% VGLT,IGOV,VNQ,MTUM,IAU,VCIT 0%
Jul, 2016 $63948 $41640 2.24% 2.23% VGLT,VNQ,IAU,QQQ,VBR,VWO 0%
Aug, 2016 $63337 $41247 -0.96% -0.94% VNQ,QQQ,VBR,VWO,VBK,VTV 0%
Sep, 2016 $63619 $41436 0.45% 0.46% QQQ,VBR,VWO,VBK,VTV,IAU 0%
Oct, 2016 $62183 $40504 -2.26% -2.25% QQQ,VBR,VWO,VTV,MTUM,VCIT 0%
Nov, 2016 $63140 $41125 1.54% 1.53% QQQ,VBR,VWO,VTV,MTUM,VBK 0%
Dec, 2016 $64001 $40996 1.36% -0.31% QQQ,VBR,VWO,VTV,VBK,GSG 0%
Jan, 2017 $65364 $41876 2.13% 2.15% QQQ,VBR,VWO,VTV,VBK,GSG 0%
Feb, 2017 $67028 $42946 2.55% 2.55% QQQ,VBR,VWO,VTV,VBK,MTUM 0%
Mar, 2017 $67636 $43335 0.91% 0.91% QQQ,VBR,VWO,VTV,VBK,MTUM 0%
Apr, 2017 $68597 $43948 1.42% 1.41% QQQ,VBR,VWO,VBK,MTUM,VEA,BIL 0%
May, 2017 $69848 $44743 1.82% 1.81% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Jun, 2017 $70172 $44950 0.46% 0.46% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Jul, 2017 $72358 $46352 3.12% 3.12% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Aug, 2017 $73067 $46809 0.98% 0.99% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Sep, 2017 $74385 $47645 1.80% 1.79% QQQ,VWO,VBK,MTUM,VEA,VBR,BIL 0%
Oct, 2017 $76513 $49001 2.86% 2.85% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Nov, 2017 $78022 $49960 1.97% 1.96% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Dec, 2017 $79045 $49844 1.31% -0.23% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Jan, 2018 $84223 $53122 6.55% 6.58% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Feb, 2018 $81345 $51290 -3.42% -3.45% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Mar, 2018 $79991 $50439 -1.66% -1.66% QQQ,VWO,VBK,MTUM,GSG,IGOV 0%
Apr, 2018 $80106 $50505 0.14% 0.13% QQQ,VBK,MTUM,GSG,VTV,VEA 0%
May, 2018 $82271 $51861 2.70% 2.68% QQQ,VBK,MTUM,GSG,VTV,VBR 0%
Jun, 2018 $82844 $52222 0.70% 0.70% QQQ,VBK,MTUM,GSG,VBR,VNQ 0%
Jul, 2018 $83523 $52652 0.82% 0.82% QQQ,VBK,MTUM,VBR,VNQ,VTV 0%
Aug, 2018 $87149 $54930 4.34% 4.33% QQQ,VBK,MTUM,VBR,VNQ,VTV 0%
Sep, 2018 $86582 $54568 -0.65% -0.66% QQQ,VBK,MTUM,VBR,VTV,GSG 0%
Oct, 2018 $79334 $50003 -8.37% -8.37% VNQ,BIL 83%
Nov, 2018 $80075 $50470 0.93% 0.93% VNQ,VTV,VGIT,BIL 49%
Dec, 2018 $78104 $47237 -2.46% -6.41% VGIT,IAU,VGLT,VCIT,BIL 33%
Jan, 2019 $79003 $47788 1.15% 1.17% VGIT,IAU,VGLT,VCIT,VNQ,BIL 15%
Feb, 2019 $78873 $47707 -0.17% -0.17% VGIT,IAU,VGLT,VCIT,VNQ,VBK 0%
Mar, 2019 $80530 $48717 2.10% 2.12% VGLT,VCIT,VNQ,VBK,QQQ,VTV,BIL 0%
Apr, 2019 $81906 $49537 1.71% 1.68% VNQ,VBK,QQQ,VTV,VBR,MTUM,BIL 1%
May, 2019 $77658 $46989 -5.19% -5.14% VNQ,IGOV,IAU,VCIT,VGLT,VGIT 0%
Jun, 2019 $79833 $48304 2.80% 2.80% VNQ,IAU,VTV,QQQ,VBK,MTUM 0%
Jul, 2019 $80961 $48987 1.41% 1.41% VNQ,IAU,QQQ,VBK,MTUM,VGLT 0%
Aug, 2019 $83454 $50495 3.08% 3.08% VNQ,IAU,MTUM,VGLT,VGIT,VCIT 0%
Sep, 2019 $82586 $49970 -1.04% -1.04% VNQ,IAU,VGLT,VGIT,VCIT,VTV 0%
Oct, 2019 $83321 $50415 0.89% 0.89% VNQ,IAU,VGLT,VCIT,QQQ,VEA 0%
Nov, 2019 $83305 $50405 -0.02% -0.02% VGLT,QQQ,VEA,VTV,VBK,MTUM,BIL 1%
Dec, 2019 $84704 $50171 1.68% -0.47% QQQ,VEA,VTV,VBK,MTUM,VWO,BIL 0%
Jan, 2020 $84122 $49822 -0.69% -0.70% QQQ,VBK,MTUM,IAU,VGLT,VNQ 0%
Feb, 2020 $81179 $48079 -3.50% -3.50% QQQ,IAU,VGLT,IGOV,VGIT,VCIT 0%
Mar, 2020 $80333 $47578 -1.04% -1.04% IAU,VGLT,VGIT,BIL 46%
Apr, 2020 $81440 $48233 1.38% 1.38% IAU,VGLT,VGIT,QQQ,VCIT,BIL 12%
May, 2020 $82859 $49073 1.74% 1.74% IAU,VGLT,VGIT,QQQ,VBK,MTUM 0%
Jun, 2020 $85084 $50391 2.69% 2.69% IAU,VGLT,QQQ,VBK,MTUM,VCIT 0%
Jul, 2020 $90414 $53548 6.26% 6.26% IAU,VGLT,QQQ,VBK,MTUM,VWO 0%
Aug, 2020 $93262 $55235 3.15% 3.15% IAU,QQQ,VBK,MTUM,VWO,VEA,BIL 0%
Sep, 2020 $90378 $53526 -3.09% -3.09% IAU,QQQ,VBK,MTUM,VWO,VEA,BIL 0%
Oct, 2020 $89071 $52753 -1.45% -1.45% IAU,QQQ,VBK,MTUM,VWO,VCIT,BIL 0%
Nov, 2020 $94978 $56251 6.63% 6.63% QQQ,VBK,MTUM,VWO,VBR,VEA 0%
Dec, 2020 $100648 $59609 5.97% 5.97% QQQ,VBK,MTUM,VWO,VBR,VEA 0%
Jan, 2021 $102070 $60451 1.41% 1.41% QQQ,VBK,MTUM,VWO,VBR,VEA 0%
Feb, 2021 $104729 $62026 2.60% 2.60% QQQ,VBK,VWO,VBR,VEA,GSG 0%
Mar, 2021 $105660 $62577 0.89% 0.89% QQQ,VBK,VWO,VBR,GSG,VTV 0%
Apr, 2021 $110214 $65275 4.31% 4.31% QQQ,VBK,VBR,GSG,VTV,VNQ 0%
May, 2021 $110835 $65642 0.56% 0.56% VBR,GSG,VTV,VNQ,VEA,VWO,BIL 3%
Jun, 2021 $111498 $66035 0.60% 0.60% VBR,GSG,VTV,VNQ,QQQ,VBK,BIL 3%
Jul, 2021 $112617 $66698 1.00% 1.00% VBR,GSG,VTV,VNQ,QQQ,VEA,BIL 3%
Aug, 2021 $114540 $67836 1.71% 1.71% VBR,GSG,VTV,VNQ,QQQ,VBK,BIL 3%
Sep, 2021 $111135 $65820 -2.97% -2.97% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 3%
Oct, 2021 $118262 $70041 6.41% 6.41% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 2%
Nov, 2021 $114605 $67875 -3.09% -3.09% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 3%
Dec, 2021 $119884 $66759 4.61% -1.64% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 2%
Jan, 2022 $115112 $64016 -3.98% -4.11% GSG,VTV,VNQ,BIL 51%
Feb, 2022 $115675 $64327 0.49% 0.49% GSG,VTV,IAU,VBR,BIL 34%
Mar, 2022 $118496 $65914 2.44% 2.47% GSG,VTV,IAU,VBR,VNQ,BIL 17%
Apr, 2022 $116010 $64528 -2.10% -2.10% GSG,IAU,BIL 65%
May, 2022 $116600 $64865 0.51% 0.52% GSG,VTV,BIL 64%
Jun, 2022 $113434 $63091 -2.72% -2.73% GSG,BIL 82%
Jul, 2022 $113319 $63026 -0.10% -0.10% GSG,BIL 82%
Aug, 2022 $112906 $62792 -0.36% -0.37% GSG,BIL 83%
Sep, 2022 $111641 $62079 -1.12% -1.14% BIL 100%
Oct, 2022 $111819 $62177 0.16% 0.16% VTV,MTUM,BIL 67%
Nov, 2022 $113817 $63288 1.79% 1.79% VTV,MTUM,VBR,VEA,BIL 32%
Dec, 2022 $111053 $60513 -2.43% -4.39% VTV,MTUM,VEA,IAU,BIL 33%
Jan, 2023 $114333 $62311 2.95% 2.97% VTV,VEA,IAU,VBK,VBR,VWO 0%
Feb, 2023 $109951 $59927 -3.83% -3.83% VTV,VEA,IAU,VBK,VBR,BIL 14%
Mar, 2023 $110688 $60336 0.67% 0.68% VTV,VEA,IAU,QQQ,VWO,VCIT 0%
Apr, 2023 $111861 $60977 1.06% 1.06% VEA,IAU,QQQ,VWO,VCIT,VGIT,BIL 1%
May, 2023 $111350 $60697 -0.46% -0.46% VEA,IAU,QQQ,VCIT,VGIT,VBK 0%
Jun, 2023 $114261 $62284 2.61% 2.62% VEA,QQQ,VBK,VTV,VBR,MTUM 0%
Jul, 2023 $118516 $64604 3.72% 3.72% VEA,QQQ,VBK,VTV,VBR,VWO 0%
Aug, 2023 $114469 $62400 -3.41% -3.41% VEA,QQQ,VTV,IAU,MTUM,GSG 0%
Sep, 2023 $110681 $60329 -3.31% -3.32% QQQ,GSG,BIL 68%
Oct, 2023 $109975 $59948 -0.64% -0.63% QQQ,GSG,IAU,BIL 52%
Nov, 2023 $112242 $61186 2.06% 2.07% QQQ,IAU,VEA,VBR,MTUM,VWO 0%
Dec, 2023 $118004 $64328 5.13% 5.13% QQQ,VEA,VBR,MTUM,VBK,VNQ 0%
Jan, 2024 $117485 $64045 -0.44% -0.44% QQQ,VEA,VBR,MTUM,VTV,VCIT 0%
Feb, 2024 $122632 $66850 4.38% 4.38% QQQ,VEA,VBR,MTUM,VTV,VBK 0%
Mar, 2024 $126964 $69212 3.53% 3.53% QQQ,VBR,MTUM,VTV,VBK,IAU 0%
Apr, 2024 $122043 $66530 -3.88% -3.88% QQQ,VBR,MTUM,VTV,VBK,IAU 0%
May, 2024 $127009 $69236 4.07% 4.07% QQQ,VBR,MTUM,VTV,IAU,VEA 0%
Jun, 2024 $129041 $70344 1.60% 1.60% QQQ,MTUM,VTV,IAU,GSG,VWO 0%
Jul, 2024 $129791 $70753 0.58% 0.58% QQQ,MTUM,VTV,IAU,VBR,VNQ 0%
Aug, 2024 $132651 $72312 2.20% 2.20% QQQ,MTUM,VTV,IAU,VBR,VNQ 0%
Sep, 2024 $136410 $74361 2.83% 2.83% QQQ,MTUM,VTV,IAU,VNQ,VWO 0%
Oct, 2024 $135839 $74050 -0.42% -0.42% QQQ,MTUM,IAU,VNQ,VBK,VBR 0%
Nov, 2024 $143696 $78333 5.78% 5.78% QQQ,MTUM,VNQ,VBK,VBR,VTV,BIL 1%
Dec, 2024 $136467 $72799 -5.03% -7.07% QQQ,MTUM,VBK,VTV,IAU,GSG 0%
Jan, 2025 $142573 $76083 4.47% 4.51% QQQ,MTUM,VBK,VTV,IAU,VBR 0%
Feb, 2025 $140307 $74887 -1.59% -1.57% QQQ,MTUM,VTV,IAU,VNQ,VWO 0%
Mar, 2025 $137385 $73331 -2.08% -2.08% VTV,IAU,VWO,VGIT,VEA,GSG,BIL 5%
Apr, 2025 $137230 $73254 -0.11% -0.11% IAU,VGIT,VEA,MTUM,VCIT,IGOV 0%
May, 2025 $140657 $75084 2.50% 2.50% IAU,VEA,MTUM,IGOV,QQQ,VWO 0%
Jun, 2025 $145863 $77857 3.70% 3.69% IAU,VEA,MTUM,IGOV,QQQ,VWO 0%
Jul, 2025 $145587 $77716 -0.19% -0.18% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Aug, 2025 $150072 $80112 3.08% 3.08% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Sep, 2025 $158805 $84793 5.82% 5.84% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Oct, 2025 $162269 $86645 2.18% 2.18% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Nov, 2025 $163200 $87154 0.57% 0.59% IAU,VEA,MTUM,QQQ,VWO,VTV 0%
Dec, 2025 $165168 $86482 1.21% -0.77% IAU,VEA,MTUM,QQQ,VWO,VTV 0%
Jan, 2026 $174580 $91449 5.70% 5.74% IAU,VEA,VWO,VTV,VBR,GSG 0%
Feb, 2026 $182944 $95848 4.79% 4.81% IAU,VEA,VWO,VTV,VBR,GSG 0%
Mar, 2026 $177473 $92855 -2.99% -3.12% IAU,VEA,VWO,VTV,VBR,GSG 0%
Apr, 2026 $186694 $97664 5.20% 5.18% VEA,VBR,GSG,QQQ,VBK,MTUM 0%
May, 2026 $186658 $91197 -0.02% -6.62% VEA,GSG,QQQ,VBK,MTUM,VWO 0%
📝 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)