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gtaa6

hold_until_replaced_extended

Strategy Description

GTAA 6 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: 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
8.44%
Pre-Tax: 11.33%
Final Value
$91655
From $10,000
Tax Drag
2.89%
Total Taxes: $31114
Effective Tax Rate
17.5%
On gains
Total Transactions
1006
37 per year
Max Drawdown
-24.6%
Worst decline

Drawdown Analysis

Top 5 drawdowns
Rank Drawdown Peak Date Trough Date Recovery Date Duration
1 -24.65% Nov, 2007 Oct, 2008 Nov, 2009 24 mo
2 -15.77% Jun, 2002 Jul, 2002 Aug, 2003 14 mo
3 -14.55% Sep, 2018 May, 2019 Aug, 2020 23 mo
4 -13.99% Nov, 2021 Feb, 2023 Jun, 2024 31 mo
5 -12.60% Dec, 2014 Jan, 2016 Mar, 2017 27 mo

Rolling Period Analysis

Best and worst CAGR for rolling periods
Period Best CAGR Best Period Worst CAGR Worst Period
1-Year 45.46% 2003-03-31 to 2004-03-31 -24.65% 2007-10-31 to 2008-10-31
3-Year 24.76% 2003-04-30 to 2006-04-30 -1.35% 1999-12-31 to 2002-12-31
5-Year 20.00% 2002-10-31 to 2007-10-31 2.16% 2015-03-31 to 2020-03-31
10-Year 11.75% 2003-04-30 to 2013-04-30 4.61% 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 6.92% 0.02% 6.91% $187940 $91655
2025 15.36% 13.08% 2.28% $166320 $86679
2024 16.13% 13.71% 2.42% $138011 $73349
2023 3.12% 3.14% -0.02% $119477 $64850
2022 -3.07% -5.38% 2.31% $112539 $61059
2021 17.78% 10.95% 6.84% $120060 $66829
2020 19.30% 19.30% -0.01% $100482 $59369
2019 7.21% 4.95% 2.26% $84769 $50088
2018 -7.21% -10.97% 3.76% $78169 $47176
2017 20.83% 18.92% 1.91% $79109 $49755
2016 10.39% 8.52% 1.87% $64130 $40980
2015 -6.07% -9.56% 3.49% $59278 $38537
2014 14.34% 11.32% 3.02% $62697 $42323
2013 21.28% 20.34% 0.93% $56959 $39509
2012 7.77% 4.18% 3.59% $45026 $31469
2011 2.29% -1.88% 4.17% $40866 $29535
2010 18.04% 14.06% 3.99% $39487 $29744
2009 32.76% 28.38% 4.38% $35896 $28005
2008 -11.16% -14.72% 3.56% $26946 $21739
2007 15.47% 13.57% 1.90% $31296 $26337
2006 14.10% 9.67% 4.44% $26538 $22729
2005 16.59% 14.15% 2.44% $21501 $19137
2004 11.89% 7.39% 4.51% $18894 $17181
2003 40.84% 38.53% 2.30% $16717 $15839
2002 -3.75% -5.04% 1.30% $11800 $11366
2001 -0.63% -1.73% 1.10% $11967 $11683
2000 3.72% 2.38% 1.33% $11691 $11540
1999 18.39% 18.39% 0.00% $11839 $11839

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 - - VEA,VTV,IGOV,BIL 50%
Feb, 1999 $9812 $9812 -1.88% -1.88% VEA,VTV,IGOV,VWO,BIL 33%
Mar, 1999 $10159 $10159 3.54% 3.54% VEA,VTV,IGOV,VWO,BIL 32%
Apr, 1999 $10693 $10693 5.25% 5.25% VEA,VTV,IGOV,VWO,IAU,BIL 14%
May, 1999 $10231 $10231 -4.32% -4.32% VEA,VTV,VWO,VBR,VBK,BIL 13%
Jun, 1999 $10734 $10734 4.91% 4.91% VEA,VTV,VWO,VBR,VBK,IAU 0%
Jul, 1999 $10601 $10601 -1.24% -1.24% VEA,VTV,VWO,VBR,VBK,IAU 0%
Aug, 1999 $10374 $10374 -2.14% -2.14% VEA,VTV,VWO,VBR,VBK,IAU 0%
Sep, 1999 $10582 $10582 2.00% 2.00% VEA,VWO,VBR,VBK,IAU,BIL 16%
Oct, 1999 $10576 $10576 -0.06% -0.06% VEA,VWO,VBK,IAU,IGOV,VTV 0%
Nov, 1999 $10947 $10947 3.51% 3.51% VEA,VWO,VBK,IAU,IGOV,VTV 0%
Dec, 1999 $11839 $11839 8.15% 8.15% VEA,VWO,VBK,IAU,VTV,VBR 0%
Jan, 2000 $11272 $11272 -4.79% -4.79% VEA,VWO,VBK,IAU,IGOV,BIL 12%
Feb, 2000 $11792 $11792 4.62% 4.62% VEA,VWO,VBK,IGOV,VBR,BIL 6%
Mar, 2000 $11734 $11734 -0.50% -0.50% VEA,VWO,VBK,IGOV,VBR,VTV 0%
Apr, 2000 $11328 $11328 -3.45% -3.45% VEA,VWO,VBK,IGOV,VBR,VTV 0%
May, 2000 $11017 $11017 -2.74% -2.74% VBK,IGOV,VBR,VTV,BIL 39%
Jun, 2000 $11344 $11344 2.97% 2.97% VBK,IGOV,VBR,VEA,BIL 27%
Jul, 2000 $11186 $11186 -1.39% -1.39% IGOV,VBR,VTV,BIL 47%
Aug, 2000 $11578 $11578 3.50% 3.50% IGOV,VBR,VTV,IAU,VBK,BIL 13%
Sep, 2000 $11361 $11361 -1.87% -1.87% IGOV,VBR,VTV,VBK,BIL 29%
Oct, 2000 $11457 $11457 0.85% 0.85% IGOV,VBR,VTV,VBK,BIL 29%
Nov, 2000 $11017 $11017 -3.84% -3.84% IGOV,VBR,VTV,IAU,BIL 28%
Dec, 2000 $11691 $11540 6.12% 4.75% IGOV,VBR,VTV,IAU,BIL 27%
Jan, 2001 $12043 $11889 3.01% 3.02% IGOV,VBR,VTV,IAU,BIL 27%
Feb, 2001 $11926 $11773 -0.97% -0.98% IGOV,VBR,VTV,IAU,BIL 27%
Mar, 2001 $11484 $11335 -3.70% -3.72% IGOV,VBR,BIL 60%
Apr, 2001 $11586 $11436 0.89% 0.89% IGOV,VBR,IAU,VTV,BIL 26%
May, 2001 $11845 $11692 2.23% 2.23% IGOV,VBR,IAU,VTV,BIL 26%
Jun, 2001 $11873 $11719 0.24% 0.24% IGOV,VBR,IAU,VBK,BIL 25%
Jul, 2001 $11770 $11618 -0.86% -0.87% IGOV,VBR,IAU,VBK,BIL 26%
Aug, 2001 $11808 $11655 0.32% 0.32% IGOV,VBR,IAU,BIL 42%
Sep, 2001 $11578 $11427 -1.95% -1.95% IGOV,IAU,BIL 63%
Oct, 2001 $11753 $11600 1.51% 1.51% IGOV,IAU,BIL 63%
Nov, 2001 $11628 $11476 -1.06% -1.06% IGOV,IAU,VBR,VBK,BIL 29%
Dec, 2001 $11967 $11683 2.91% 1.80% IGOV,IAU,VBR,VBK,VWO,BIL 12%
Jan, 2002 $12259 $11970 2.45% 2.45% IGOV,IAU,VBR,VBK,VWO,BIL 11%
Feb, 2002 $12473 $12179 1.74% 1.75% IGOV,IAU,VBR,VBK,VWO,BIL 11%
Mar, 2002 $13012 $12707 4.32% 4.34% IAU,VBR,VBK,VWO,VEA,VTV 0%
Apr, 2002 $13191 $12884 1.38% 1.39% IAU,VBR,VBK,VWO,VEA,IGOV 0%
May, 2002 $13454 $13141 1.99% 1.99% IAU,VBR,VBK,VWO,VEA,IGOV 0%
Jun, 2002 $12541 $12247 -6.78% -6.80% IAU,VBR,VWO,VEA,IGOV,BIL 16%
Jul, 2002 $11338 $11068 -9.60% -9.62% IGOV,BIL 88%
Aug, 2002 $11526 $11252 1.66% 1.66% IGOV,IAU,BIL 71%
Sep, 2002 $11628 $11352 0.89% 0.89% IGOV,BIL 88%
Oct, 2002 $11557 $11283 -0.61% -0.61% IGOV,BIL 88%
Nov, 2002 $11560 $11285 0.02% 0.02% IGOV,BIL 88%
Dec, 2002 $11800 $11366 2.07% 0.71% IGOV,IAU,BIL 71%
Jan, 2003 $11870 $11433 0.59% 0.59% IGOV,IAU,BIL 71%
Feb, 2003 $11898 $11461 0.24% 0.24% IGOV,IAU,BIL 72%
Mar, 2003 $11767 $11334 -1.11% -1.11% IGOV,BIL 88%
Apr, 2003 $11869 $11432 0.87% 0.87% IGOV,VBR,VEA,VTV,VBK,VWO,BIL 4%
May, 2003 $12632 $12167 6.43% 6.43% IGOV,VBR,VTV,VBK,VWO,IAU,BIL 4%
Jun, 2003 $12919 $12444 2.28% 2.28% VBR,VTV,VBK,VWO,IAU,VEA 0%
Jul, 2003 $13475 $12980 4.30% 4.30% VBR,VTV,VBK,VWO,IAU,VEA 0%
Aug, 2003 $14231 $13708 5.61% 5.61% VBR,VTV,VBK,VWO,IAU,VEA 0%
Sep, 2003 $14351 $13823 0.85% 0.85% VBR,VTV,VBK,VWO,IAU,VEA 0%
Oct, 2003 $15494 $14924 7.96% 7.96% VBR,VBK,VWO,IAU,VEA,GSG 0%
Nov, 2003 $16095 $15504 3.88% 3.88% VBR,VBK,VWO,IAU,VEA,GSG 0%
Dec, 2003 $16717 $15839 3.86% 2.16% VBR,VBK,VWO,IAU,VEA,VTV 0%
Jan, 2004 $16886 $15999 1.01% 1.01% VBR,VBK,VWO,IAU,VEA,VTV 0%
Feb, 2004 $17277 $16372 2.32% 2.33% VBR,VBK,VWO,IAU,VEA,VTV 0%
Mar, 2004 $17398 $16487 0.70% 0.70% VBR,VBK,VWO,IAU,VEA,GSG 0%
Apr, 2004 $16074 $15230 -7.61% -7.62% VBR,VBK,VWO,VEA,GSG,VTV 0%
May, 2004 $16268 $15413 1.21% 1.20% VBR,VBK,VWO,VEA,GSG,VTV 0%
Jun, 2004 $16515 $15651 1.52% 1.55% VBR,VBK,VEA,GSG,VTV,BIL 18%
Jul, 2004 $16131 $15284 -2.33% -2.35% VBR,VEA,GSG,VTV,BIL 36%
Aug, 2004 $16353 $15495 1.38% 1.38% VBR,VEA,GSG,VTV,VWO,BIL 19%
Sep, 2004 $16861 $15973 3.11% 3.09% VBR,VEA,GSG,VTV,VWO,IAU,BIL 2%
Oct, 2004 $17224 $16317 2.15% 2.15% VBR,VEA,GSG,VTV,VWO,IAU,BIL 2%
Nov, 2004 $18361 $17397 6.60% 6.62% VBR,VEA,VTV,VWO,IAU,VBK 0%
Dec, 2004 $18894 $17181 2.90% -1.24% VBR,VEA,VTV,VWO,IAU,VBK 0%
Jan, 2005 $18442 $16765 -2.39% -2.42% VBR,VEA,VTV,VWO,IAU,VBK 0%
Feb, 2005 $19203 $17468 4.13% 4.20% VBR,VEA,VTV,VWO,IAU,VBK 0%
Mar, 2005 $18623 $16933 -3.02% -3.06% VBR,VEA,VTV,VWO,IAU,GSG 0%
Apr, 2005 $18214 $16567 -2.20% -2.16% VBR,VEA,VTV,VWO,IAU,IGOV 0%
May, 2005 $18470 $16798 1.41% 1.40% VBR,VEA,VTV,VWO,IGOV,VBK 0%
Jun, 2005 $18886 $17181 2.26% 2.28% VBR,VTV,VWO,VBK,IAU,GSG 0%
Jul, 2005 $19637 $17869 3.97% 4.01% VBR,VTV,VWO,VBK,GSG,VEA 0%
Aug, 2005 $19894 $18086 1.31% 1.21% VBR,VWO,VBK,GSG,VEA,IAU 0%
Sep, 2005 $20742 $18863 4.26% 4.30% VBR,VWO,VBK,GSG,VEA,IAU 0%
Oct, 2005 $19879 $18086 -4.16% -4.12% VBR,VWO,VBK,VEA,IAU,VTV 0%
Nov, 2005 $20872 $18995 5.00% 5.03% VBR,VWO,VBK,VEA,IAU,VTV 0%
Dec, 2005 $21501 $19137 3.01% 0.75% VBR,VWO,VBK,VEA,IAU,VTV 0%
Jan, 2006 $23258 $20725 8.17% 8.30% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Feb, 2006 $23159 $20628 -0.43% -0.47% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Mar, 2006 $23935 $21314 3.35% 3.33% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Apr, 2006 $24891 $22199 3.99% 4.15% VBR,VWO,VBK,VEA,IAU,VNQ 0%
May, 2006 $23616 $21053 -5.12% -5.16% VWO,VBK,VEA,IAU,VNQ,VTV 0%
Jun, 2006 $23521 $20947 -0.40% -0.51% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Jul, 2006 $23938 $21309 1.77% 1.73% VWO,VEA,IAU,VNQ,VTV,GSG 0%
Aug, 2006 $24175 $21508 0.99% 0.93% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Sep, 2006 $24189 $21510 0.06% 0.01% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Oct, 2006 $25147 $22352 3.96% 3.91% VWO,VEA,VNQ,VTV,VBR,QQQ,BIL 1%
Nov, 2006 $26204 $23287 4.20% 4.18% VWO,VEA,VNQ,VTV,VBR,IAU,BIL 1%
Dec, 2006 $26538 $22729 1.28% -2.40% VWO,VEA,VNQ,VTV,VBR,IAU,BIL 1%
Jan, 2007 $27104 $23190 2.13% 2.03% VWO,VEA,VNQ,VTV,VBR,QQQ 0%
Feb, 2007 $26746 $22891 -1.32% -1.29% VWO,VEA,VNQ,VTV,VBR,IAU 0%
Mar, 2007 $27072 $23185 1.22% 1.29% VWO,VEA,VNQ,VTV,IAU,VBK 0%
Apr, 2007 $27907 $23915 3.08% 3.15% VWO,VEA,VNQ,VTV,VBK,QQQ 0%
May, 2007 $28921 $24801 3.63% 3.71% VWO,VEA,VTV,VBK,QQQ,VBR 0%
Jun, 2007 $29040 $24915 0.41% 0.46% VWO,VEA,VTV,VBK,QQQ,VBR 0%
Jul, 2007 $28614 $24569 -1.47% -1.39% VWO,VEA,VBK,QQQ,IGOV,BIL 10%
Aug, 2007 $28799 $24723 0.65% 0.63% VWO,VEA,VBK,QQQ,IGOV,VTV 0%
Sep, 2007 $30398 $26105 5.55% 5.59% VWO,VEA,VBK,QQQ,IAU,GSG 0%
Oct, 2007 $32676 $28070 7.49% 7.53% VWO,VEA,VBK,QQQ,IAU,GSG 0%
Nov, 2007 $30988 $26600 -5.17% -5.24% VWO,VEA,QQQ,IAU,GSG,IGOV 0%
Dec, 2007 $31296 $26337 0.99% -0.99% VWO,VEA,QQQ,IAU,GSG,IGOV 0%
Jan, 2008 $30332 $25493 -3.08% -3.20% IAU,GSG,IGOV,BIL 54%
Feb, 2008 $31224 $26208 2.94% 2.80% IAU,GSG,IGOV,VWO,BIL 36%
Mar, 2008 $30333 $25480 -2.85% -2.78% IAU,GSG,IGOV,BIL 53%
Apr, 2008 $30083 $25262 -0.82% -0.86% IAU,GSG,IGOV,VEA,VWO,BIL 20%
May, 2008 $30325 $25457 0.80% 0.77% IAU,GSG,IGOV,VWO,QQQ,VBK,BIL 4%
Jun, 2008 $29619 $24841 -2.33% -2.42% IAU,GSG,IGOV,BIL 51%
Jul, 2008 $28969 $24335 -2.19% -2.04% IAU,GSG,IGOV,BIL 52%
Aug, 2008 $28258 $23753 -2.46% -2.39% IGOV,VNQ,VBR,VBK,BIL 35%
Sep, 2008 $27232 $22890 -3.63% -3.63% VNQ,BIL 83%
Oct, 2008 $25164 $21151 -7.60% -7.60% BIL 100%
Nov, 2008 $26080 $21921 3.64% 3.64% IGOV,BIL 83%
Dec, 2008 $26946 $21739 3.32% -0.83% IGOV,IAU,BIL 68%
Jan, 2009 $27038 $21814 0.34% 0.34% IGOV,IAU,BIL 67%
Feb, 2009 $27013 $21793 -0.10% -0.10% IGOV,IAU,BIL 67%
Mar, 2009 $27219 $21961 0.77% 0.77% IGOV,IAU,BIL 67%
Apr, 2009 $27144 $21900 -0.28% -0.28% IGOV,IAU,QQQ,VWO,BIL 33%
May, 2009 $28694 $23153 5.71% 5.72% IGOV,IAU,QQQ,VWO,VEA,VBK 0%
Jun, 2009 $28517 $23009 -0.61% -0.62% IGOV,QQQ,VWO,VEA,VBK,VBR,BIL 0%
Jul, 2009 $30951 $24972 8.53% 8.53% QQQ,VWO,VEA,VBK,VBR,VTV 0%
Aug, 2009 $31865 $25710 2.95% 2.96% QQQ,VWO,VEA,VBK,VBR,VNQ 0%
Sep, 2009 $33965 $27404 6.59% 6.59% QQQ,VWO,VEA,VBK,VBR,VNQ 0%
Oct, 2009 $32617 $26317 -3.97% -3.97% QQQ,VWO,VEA,VNQ,IAU,GSG 0%
Nov, 2009 $34850 $28119 6.85% 6.85% QQQ,VWO,VEA,VNQ,IAU,VBK 0%
Dec, 2009 $35896 $28005 3.00% -0.40% QQQ,VWO,VEA,VNQ,VBK,VBR 0%
Jan, 2010 $33452 $26078 -6.81% -6.88% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Feb, 2010 $34797 $27133 4.02% 4.04% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Mar, 2010 $37617 $29339 8.11% 8.13% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
Apr, 2010 $38986 $30417 3.64% 3.67% QQQ,VWO,VNQ,VBK,VBR,VTV 0%
May, 2010 $36054 $28131 -7.52% -7.51% QQQ,VNQ,VBK,VBR,VGLT,IAU 0%
Jun, 2010 $34862 $27179 -3.30% -3.39% VNQ,VGLT,IAU,VCIT,VGIT,BIL 15%
Jul, 2010 $35340 $27572 1.37% 1.45% VNQ,VGLT,VCIT,VBR,VWO,VBK 0%
Aug, 2010 $34943 $27267 -1.12% -1.11% VNQ,VGLT,VCIT,VWO,IAU,VGIT 0%
Sep, 2010 $36127 $28195 3.39% 3.40% VNQ,VGLT,VWO,IAU,QQQ,VBK 0%
Oct, 2010 $37253 $29073 3.12% 3.12% VNQ,VWO,IAU,QQQ,VBK,VBR,BIL 1%
Nov, 2010 $37367 $29156 0.30% 0.29% VNQ,VWO,IAU,QQQ,VBK,VBR,BIL 1%
Dec, 2010 $39487 $29744 5.67% 2.01% VNQ,VWO,QQQ,VBK,VBR,VTV,BIL 1%
Jan, 2011 $39950 $30099 1.17% 1.20% VNQ,QQQ,VBK,VBR,VTV,GSG 0%
Feb, 2011 $41604 $31354 4.14% 4.17% VNQ,QQQ,VBK,VBR,VTV,GSG 0%
Mar, 2011 $41955 $31612 0.84% 0.82% VNQ,QQQ,VBK,VBR,GSG,IAU,BIL 0%
Apr, 2011 $43881 $33065 4.59% 4.60% VNQ,VBK,VBR,GSG,IAU,VEA,BIL 1%
May, 2011 $42899 $32336 -2.24% -2.21% VNQ,VBK,IAU,VEA,VTV,VWO,BIL 0%
Jun, 2011 $42028 $31677 -2.03% -2.04% VNQ,VBK,VEA,VTV,VBR,QQQ,BIL 1%
Jul, 2011 $41415 $31219 -1.46% -1.45% VNQ,VBK,QQQ,VGLT,IAU,VCIT,BIL 0%
Aug, 2011 $41647 $31392 0.56% 0.55% VGLT,IAU,VCIT,IGOV,VGIT,BIL 13%
Sep, 2011 $41161 $31025 -1.17% -1.17% VGLT,IAU,VCIT,IGOV,VGIT,BIL 13%
Oct, 2011 $41397 $31204 0.57% 0.57% VGLT,IAU,VCIT,VGIT,VNQ,QQQ 0%
Nov, 2011 $41218 $31068 -0.43% -0.43% VGLT,IAU,VCIT,VGIT,QQQ,BIL 16%
Dec, 2011 $40866 $29535 -0.85% -4.94% VGLT,VCIT,VGIT,VNQ,VTV,BIL 12%
Jan, 2012 $41778 $30206 2.23% 2.27% VGLT,VCIT,VGIT,VNQ,QQQ,IAU 0%
Feb, 2012 $41824 $30244 0.11% 0.13% VGLT,VNQ,QQQ,VBR,VTV,VBK 0%
Mar, 2012 $42699 $30880 2.09% 2.10% VNQ,QQQ,VBR,VTV,VBK,VWO,BIL 2%
Apr, 2012 $42485 $30729 -0.50% -0.49% VNQ,QQQ,VTV,VGLT,VCIT,VGIT 0%
May, 2012 $41829 $30249 -1.55% -1.56% VNQ,QQQ,VTV,VGLT,VCIT,VGIT 0%
Jun, 2012 $42745 $30917 2.19% 2.21% VNQ,QQQ,VTV,VGLT,VCIT,VGIT 0%
Jul, 2012 $43511 $31472 1.79% 1.80% VNQ,QQQ,VTV,VGLT,VCIT,VGIT 0%
Aug, 2012 $43983 $31813 1.09% 1.08% VNQ,QQQ,VTV,VGLT,VBR,VBK 0%
Sep, 2012 $44329 $32059 0.79% 0.77% VNQ,QQQ,VTV,VBR,VBK,IAU,BIL 0%
Oct, 2012 $43395 $31385 -2.11% -2.10% VTV,VBR,VBK,IGOV,VCIT,VEA,BIL 2%
Nov, 2012 $43662 $31576 0.61% 0.61% VTV,VBR,VBK,VEA,QQQ,VWO,BIL 2%
Dec, 2012 $45026 $31469 3.12% -0.34% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 1%
Jan, 2013 $46966 $32831 4.31% 4.33% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 1%
Feb, 2013 $47081 $32909 0.24% 0.24% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 1%
Mar, 2013 $48338 $33789 2.67% 2.67% VTV,VBR,VBK,VEA,VNQ,QQQ 0%
Apr, 2013 $49673 $34730 2.76% 2.78% VTV,VBR,VBK,VEA,VNQ,QQQ 0%
May, 2013 $50000 $34941 0.66% 0.61% VTV,VBR,VBK,VEA,VNQ,QQQ 0%
Jun, 2013 $49134 $34336 -1.73% -1.73% VTV,VBR,VBK,VEA,VNQ,QQQ 0%
Jul, 2013 $51717 $36134 5.26% 5.24% VTV,VBR,VBK,VEA,QQQ,GSG 0%
Aug, 2013 $50913 $35574 -1.56% -1.55% VTV,VBR,VBK,VEA,QQQ,GSG 0%
Sep, 2013 $52850 $36920 3.80% 3.78% VTV,VBR,VBK,VEA,QQQ,IGOV 0%
Oct, 2013 $54690 $38200 3.48% 3.47% VTV,VBR,VBK,VEA,QQQ,VWO 0%
Nov, 2013 $55815 $38978 2.06% 2.04% VTV,VBR,VBK,VEA,QQQ,VWO 0%
Dec, 2013 $56959 $39509 2.05% 1.36% VTV,VBR,VBK,VEA,QQQ,VWO 0%
Jan, 2014 $54831 $38018 -3.74% -3.78% VTV,VBR,VBK,VEA,QQQ,VCIT 0%
Feb, 2014 $57306 $39732 4.51% 4.51% VTV,VBR,VBK,VEA,QQQ,VNQ 0%
Mar, 2014 $57226 $39684 -0.14% -0.12% VTV,VBR,VBK,VEA,QQQ,VNQ 0%
Apr, 2014 $57222 $39687 -0.01% 0.01% VTV,VBR,VEA,QQQ,VNQ,MTUM 0%
May, 2014 $58701 $40707 2.59% 2.57% VTV,VBR,VEA,QQQ,VNQ,MTUM 0%
Jun, 2014 $60089 $41667 2.37% 2.36% VTV,VBR,QQQ,VNQ,MTUM,VBK,BIL 0%
Jul, 2014 $58937 $40858 -1.92% -1.94% VTV,QQQ,VNQ,MTUM,VEA,VWO,BIL 2%
Aug, 2014 $60915 $42219 3.36% 3.33% VTV,QQQ,VNQ,MTUM,VWO,VBR,BIL 1%
Sep, 2014 $58832 $40773 -3.42% -3.42% VTV,QQQ,VNQ,MTUM,VGLT,VCIT,BIL 0%
Oct, 2014 $60641 $42027 3.07% 3.07% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Nov, 2014 $62359 $43210 2.83% 2.81% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Dec, 2014 $62697 $42323 0.54% -2.05% VTV,QQQ,VNQ,MTUM,VGLT,VBR 0%
Jan, 2015 $63109 $42610 0.66% 0.68% QQQ,VNQ,MTUM,VGLT,IAU,VCIT 0%
Feb, 2015 $62808 $42387 -0.48% -0.52% QQQ,VNQ,MTUM,VGLT,VBR,VTV 0%
Mar, 2015 $62722 $42337 -0.14% -0.12% QQQ,VNQ,MTUM,VGLT,VBR,VBK 0%
Apr, 2015 $61795 $41698 -1.48% -1.51% QQQ,MTUM,VBR,VBK,VTV,VWO 0%
May, 2015 $62605 $42233 1.31% 1.28% QQQ,MTUM,VBR,VBK,VTV,VEA 0%
Jun, 2015 $61583 $41541 -1.63% -1.64% QQQ,MTUM,VBR,VBK,VTV,VGIT 0%
Jul, 2015 $62680 $42276 1.78% 1.77% QQQ,MTUM,VBR,VBK,VTV,BIL 14%
Aug, 2015 $59371 $40059 -5.28% -5.24% VGIT,BIL 83%
Sep, 2015 $59470 $40125 0.17% 0.17% VGIT,VGLT,VCIT,BIL 50%
Oct, 2015 $59390 $40071 -0.13% -0.13% VGIT,VNQ,QQQ,VTV,MTUM,BIL 17%
Nov, 2015 $59457 $40116 0.11% 0.11% VNQ,QQQ,VTV,MTUM,VCIT,BIL 17%
Dec, 2015 $59278 $38537 -0.30% -3.94% VNQ,QQQ,MTUM,VGIT,BIL 34%
Jan, 2016 $58094 $37764 -2.00% -2.01% VGIT,VGLT,IGOV,VCIT,BIL 32%
Feb, 2016 $58841 $38250 1.29% 1.29% VGIT,VGLT,IGOV,VCIT,VNQ,IAU 0%
Mar, 2016 $60433 $39286 2.70% 2.71% VGLT,IGOV,VNQ,IAU,VTV,MTUM,BIL 0%
Apr, 2016 $60869 $39564 0.72% 0.71% VGLT,IGOV,VNQ,IAU,VTV,VBR,BIL 0%
May, 2016 $60599 $39396 -0.44% -0.42% VGLT,IGOV,VNQ,VTV,VBR,MTUM 0%
Jun, 2016 $62686 $40751 3.44% 3.44% VGLT,IGOV,VNQ,MTUM,IAU,VCIT 0%
Jul, 2016 $64100 $41670 2.26% 2.25% VGLT,VNQ,IAU,VBR,QQQ,VWO 0%
Aug, 2016 $63452 $41249 -1.01% -1.01% VNQ,VBR,QQQ,VWO,VTV,VBK 0%
Sep, 2016 $63704 $41413 0.40% 0.40% VBR,QQQ,VWO,VTV,VBK,IAU,BIL 1%
Oct, 2016 $62268 $40479 -2.25% -2.25% VBR,QQQ,VWO,VTV,MTUM,VCIT,BIL 0%
Nov, 2016 $63254 $41120 1.58% 1.58% VBR,QQQ,VWO,VTV,MTUM,VBK 0%
Dec, 2016 $64130 $40980 1.38% -0.34% VBR,QQQ,VWO,VTV,VBK,GSG 0%
Jan, 2017 $65471 $41841 2.09% 2.10% VBR,QQQ,VWO,VTV,VBK,GSG 0%
Feb, 2017 $67142 $42914 2.55% 2.56% VBR,QQQ,VWO,VTV,VBK,MTUM 0%
Mar, 2017 $67730 $43287 0.88% 0.87% VBR,QQQ,VWO,VTV,VBK,MTUM 0%
Apr, 2017 $68689 $43898 1.42% 1.41% VBR,QQQ,VWO,VBK,MTUM,VEA,BIL 0%
May, 2017 $69936 $44688 1.82% 1.80% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Jun, 2017 $70267 $44900 0.47% 0.47% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Jul, 2017 $72421 $46274 3.07% 3.06% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Aug, 2017 $73102 $46707 0.94% 0.94% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 1%
Sep, 2017 $74454 $47568 1.85% 1.84% QQQ,VWO,VBK,MTUM,VEA,VBR,BIL 1%
Oct, 2017 $76580 $48920 2.86% 2.84% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Nov, 2017 $78118 $49900 2.01% 2.00% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Dec, 2017 $79109 $49755 1.27% -0.29% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Jan, 2018 $84243 $52991 6.49% 6.50% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Feb, 2018 $81392 $51184 -3.38% -3.41% QQQ,VWO,VBK,MTUM,VEA,VTV,BIL 0%
Mar, 2018 $80050 $50344 -1.65% -1.64% QQQ,VWO,VBK,MTUM,IGOV,GSG 0%
Apr, 2018 $80159 $50408 0.14% 0.13% QQQ,VBK,MTUM,GSG,VEA,VTV 0%
May, 2018 $82334 $51779 2.71% 2.72% QQQ,VBK,MTUM,GSG,VTV,VBR 0%
Jun, 2018 $82914 $52145 0.70% 0.71% QQQ,VBK,MTUM,GSG,VBR,VNQ 0%
Jul, 2018 $83645 $52607 0.88% 0.89% QQQ,VBK,MTUM,VBR,VNQ,VTV 0%
Aug, 2018 $87316 $54917 4.39% 4.39% QQQ,VBK,MTUM,VBR,VNQ,VTV 0%
Sep, 2018 $86759 $54561 -0.64% -0.65% QQQ,VBK,MTUM,VBR,VTV,GSG 0%
Oct, 2018 $79400 $49931 -8.48% -8.49% VNQ,BIL 83%
Nov, 2018 $80142 $50398 0.93% 0.93% VNQ,VTV,VGIT,BIL 49%
Dec, 2018 $78169 $47176 -2.46% -6.39% VGIT,VGLT,IAU,VCIT,BIL 33%
Jan, 2019 $79069 $47727 1.15% 1.17% VGIT,VGLT,IAU,VCIT,VNQ,BIL 15%
Feb, 2019 $78939 $47646 -0.17% -0.17% VGIT,VGLT,IAU,VCIT,VNQ,VBK 0%
Mar, 2019 $80598 $48651 2.10% 2.11% VGLT,VCIT,VNQ,VBK,QQQ,VTV,BIL 0%
Apr, 2019 $81974 $49472 1.71% 1.69% VNQ,VBK,QQQ,VTV,VBR,MTUM,BIL 1%
May, 2019 $77723 $46927 -5.19% -5.14% VNQ,IGOV,VGIT,IAU,VGLT,VCIT 0%
Jun, 2019 $79887 $48233 2.78% 2.78% VNQ,IAU,QQQ,VTV,MTUM,VBK 0%
Jul, 2019 $81017 $48916 1.41% 1.41% VNQ,IAU,QQQ,MTUM,VBK,VGLT 0%
Aug, 2019 $83549 $50444 3.12% 3.12% VNQ,IAU,MTUM,VGLT,VCIT,VGIT 0%
Sep, 2019 $82678 $49918 -1.04% -1.04% VNQ,IAU,VGLT,VCIT,VGIT,VTV 0%
Oct, 2019 $83441 $50379 0.92% 0.92% VNQ,IAU,VGLT,VCIT,QQQ,VEA 0%
Nov, 2019 $83410 $50360 -0.04% -0.04% VGLT,QQQ,VEA,VTV,MTUM,VBK,BIL 2%
Dec, 2019 $84769 $50088 1.63% -0.54% QQQ,VEA,VTV,MTUM,VBK,VWO,BIL 2%
Jan, 2020 $84227 $49762 -0.64% -0.65% QQQ,MTUM,VBK,VNQ,IAU,VGLT 0%
Feb, 2020 $80992 $47828 -3.84% -3.89% QQQ,IAU,VGLT,IGOV,VCIT,VGIT 0%
Mar, 2020 $79777 $47104 -1.50% -1.51% IAU,VGLT,VGIT,BIL 49%
Apr, 2020 $80861 $47742 1.36% 1.36% IAU,VGLT,VGIT,QQQ,VCIT,BIL 15%
May, 2020 $82309 $48602 1.79% 1.80% IAU,VGLT,VGIT,QQQ,MTUM,VBK 0%
Jun, 2020 $84655 $49987 2.85% 2.85% IAU,VGLT,QQQ,MTUM,VBK,VCIT 0%
Jul, 2020 $90079 $53186 6.41% 6.40% IAU,VGLT,QQQ,MTUM,VBK,VWO 0%
Aug, 2020 $93397 $55159 3.68% 3.71% IAU,QQQ,MTUM,VBK,VWO,VEA 0%
Sep, 2020 $90400 $53391 -3.21% -3.21% IAU,QQQ,MTUM,VBK,VWO,VEA 0%
Oct, 2020 $88942 $52539 -1.61% -1.60% IAU,QQQ,MTUM,VBK,VWO,VCIT 0%
Nov, 2020 $94980 $56118 6.79% 6.81% QQQ,MTUM,VBK,VWO,VBR,VEA 0%
Dec, 2020 $100482 $59369 5.79% 5.79% QQQ,MTUM,VBK,VWO,VBR,VEA 0%
Jan, 2021 $101933 $60234 1.44% 1.46% QQQ,MTUM,VBK,VWO,VBR,VEA 0%
Feb, 2021 $104422 $61704 2.44% 2.44% QQQ,VBK,VWO,VBR,VEA,GSG,BIL 0%
Mar, 2021 $105250 $62185 0.79% 0.78% QQQ,VBK,VWO,VBR,GSG,VTV 0%
Apr, 2021 $110026 $65003 4.54% 4.53% QQQ,VBK,VBR,GSG,VTV,VNQ 0%
May, 2021 $110764 $65435 0.67% 0.66% VBR,GSG,VTV,VNQ,VEA,VWO,BIL 1%
Jun, 2021 $111648 $65966 0.80% 0.81% VBR,GSG,VTV,VNQ,QQQ,VBK,BIL 1%
Jul, 2021 $112775 $66640 1.01% 1.02% VBR,GSG,VTV,VNQ,QQQ,VEA,BIL 1%
Aug, 2021 $114495 $67656 1.53% 1.53% VBR,GSG,VTV,VNQ,QQQ,VBK,BIL 1%
Sep, 2021 $111570 $65923 -2.55% -2.56% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 0%
Oct, 2021 $118863 $70237 6.54% 6.54% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 0%
Nov, 2021 $114634 $67740 -3.56% -3.55% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 0%
Dec, 2021 $120060 $66829 4.73% -1.35% VBR,GSG,VTV,VNQ,QQQ,MTUM,BIL 0%
Jan, 2022 $116106 $64530 -3.29% -3.44% GSG,VTV,VNQ,BIL 49%
Feb, 2022 $117324 $65204 1.05% 1.05% GSG,VTV,VBR,IAU,BIL 31%
Mar, 2022 $120721 $67106 2.90% 2.92% GSG,VTV,VBR,IAU,VNQ,BIL 13%
Apr, 2022 $118669 $65976 -1.70% -1.68% GSG,IAU,BIL 59%
May, 2022 $119724 $66574 0.89% 0.91% GSG,VTV,BIL 57%
Jun, 2022 $115833 $64395 -3.25% -3.27% GSG,BIL 75%
Jul, 2022 $115657 $64295 -0.15% -0.15% GSG,BIL 75%
Aug, 2022 $114995 $63922 -0.57% -0.58% GSG,BIL 76%
Sep, 2022 $113135 $62873 -1.62% -1.64% BIL 100%
Oct, 2022 $113315 $62973 0.16% 0.16% VTV,MTUM,BIL 67%
Nov, 2022 $115340 $64098 1.79% 1.79% VTV,MTUM,VBR,VEA,BIL 32%
Dec, 2022 $112539 $61059 -2.43% -4.74% VTV,MTUM,VEA,IAU,BIL 33%
Jan, 2023 $115862 $62876 2.95% 2.98% VTV,VEA,IAU,VBR,VWO,VBK 0%
Feb, 2023 $111322 $60408 -3.92% -3.93% VTV,VEA,IAU,VBR,VBK,BIL 16%
Mar, 2023 $112098 $60841 0.70% 0.72% VTV,VEA,IAU,QQQ,VWO,VCIT 0%
Apr, 2023 $113287 $61488 1.06% 1.06% VEA,IAU,QQQ,VWO,VCIT,VGIT,BIL 1%
May, 2023 $112769 $61204 -0.46% -0.46% VEA,IAU,QQQ,VCIT,VGIT,VBK 0%
Jun, 2023 $115718 $62806 2.62% 2.62% VEA,QQQ,VBK,VBR,VTV,MTUM 0%
Jul, 2023 $120027 $65146 3.72% 3.73% VEA,QQQ,VBK,VBR,VTV,VWO 0%
Aug, 2023 $115930 $62924 -3.41% -3.41% VEA,QQQ,VTV,IAU,GSG,MTUM 0%
Sep, 2023 $112461 $61041 -2.99% -2.99% QQQ,GSG,BIL 64%
Oct, 2023 $111554 $60549 -0.81% -0.81% QQQ,GSG,IAU,BIL 48%
Nov, 2023 $113643 $61683 1.87% 1.87% QQQ,IAU,VBR,VEA,MTUM,VWO 0%
Dec, 2023 $119477 $64850 5.13% 5.13% QQQ,VBR,VEA,MTUM,VNQ,VBK 0%
Jan, 2024 $118844 $64506 -0.53% -0.53% QQQ,VBR,VEA,MTUM,VTV,VCIT 0%
Feb, 2024 $124056 $67335 4.39% 4.39% QQQ,VBR,VEA,MTUM,VTV,VBK 0%
Mar, 2024 $128439 $69714 3.53% 3.53% QQQ,VBR,MTUM,VTV,VBK,IAU 0%
Apr, 2024 $123464 $67014 -3.87% -3.87% QQQ,VBR,MTUM,VTV,VBK,IAU 0%
May, 2024 $128489 $69741 4.07% 4.07% QQQ,VBR,MTUM,VTV,IAU,VEA 0%
Jun, 2024 $130548 $70859 1.60% 1.60% QQQ,MTUM,VTV,IAU,GSG,VWO 0%
Jul, 2024 $131305 $71270 0.58% 0.58% QQQ,MTUM,VTV,IAU,VBR,VNQ 0%
Aug, 2024 $134197 $72839 2.20% 2.20% QQQ,MTUM,VTV,IAU,VBR,VNQ 0%
Sep, 2024 $138000 $74903 2.83% 2.83% QQQ,MTUM,VTV,IAU,VNQ,VWO 0%
Oct, 2024 $137425 $74591 -0.42% -0.42% QQQ,MTUM,IAU,VNQ,VBR,VBK 0%
Nov, 2024 $145325 $78879 5.75% 5.75% QQQ,MTUM,VNQ,VBR,VBK,VTV,BIL 1%
Dec, 2024 $138011 $73349 -5.03% -7.01% QQQ,MTUM,VBK,VTV,IAU,GSG 0%
Jan, 2025 $144177 $76652 4.47% 4.50% QQQ,MTUM,VBK,VTV,IAU,VBR 0%
Feb, 2025 $141919 $75465 -1.57% -1.55% QQQ,MTUM,VTV,IAU,VNQ,VWO 0%
Mar, 2025 $138958 $73894 -2.09% -2.08% VTV,IAU,VWO,VEA,GSG,VGIT,BIL 5%
Apr, 2025 $138802 $73816 -0.11% -0.11% IAU,VEA,VGIT,IGOV,MTUM,VCIT 0%
May, 2025 $142219 $75633 2.46% 2.46% IAU,VEA,IGOV,MTUM,QQQ,VWO 0%
Jun, 2025 $147318 $78335 3.59% 3.57% IAU,VEA,IGOV,MTUM,QQQ,VWO 0%
Jul, 2025 $146709 $78009 -0.41% -0.42% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Aug, 2025 $151248 $80425 3.09% 3.10% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Sep, 2025 $159763 $84964 5.63% 5.64% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Oct, 2025 $163297 $86848 2.21% 2.22% IAU,VEA,MTUM,QQQ,VWO,VBK 0%
Nov, 2025 $164347 $87420 0.64% 0.66% IAU,VEA,MTUM,QQQ,VWO,VTV 0%
Dec, 2025 $166320 $86679 1.20% -0.85% IAU,VEA,MTUM,QQQ,VWO,VTV 0%
Jan, 2026 $175768 $91640 5.68% 5.72% IAU,VEA,VWO,VTV,VBR,GSG 0%
Feb, 2026 $184273 $96094 4.84% 4.86% IAU,VEA,VWO,VTV,VBR,GSG 0%
Mar, 2026 $179007 $93225 -2.86% -2.99% IAU,VEA,VWO,VTV,VBR,GSG 0%
Apr, 2026 $188004 $97887 5.03% 5.00% VEA,VBR,GSG,QQQ,MTUM,VBK 0%
May, 2026 $187940 $91655 -0.03% -6.37% VEA,GSG,QQQ,MTUM,VBK,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)