← Back to All Backtests

gtaa6

hold_until_replaced_original13

Strategy Description

GTAA 6 Hold Until Replaced Original 13 (no QQQ, no EFA) - only rebalance when signals change

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

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
7.81%
Pre-Tax: 10.31%
Final Value
$78167
From $10,000
Tax Drag
2.50%
Total Taxes: $23138
Effective Tax Rate
17.0%
On gains
Total Transactions
991
36 per year
Max Drawdown
-22.1%
Worst decline

Drawdown Analysis

Top 5 drawdowns
Rank Drawdown Peak Date Trough Date Recovery Date Duration
1 -22.09% Nov, 2007 Oct, 2008 Nov, 2009 24 mo
2 -15.77% Jun, 2002 Jul, 2002 Aug, 2003 14 mo
3 -15.57% Nov, 2021 Nov, 2023 Sep, 2024 34 mo
4 -12.98% Oct, 2018 May, 2019 Nov, 2020 25 mo
5 -11.00% Dec, 2014 Jan, 2016 Apr, 2017 28 mo

Rolling Period Analysis

Best and worst CAGR for rolling periods
Period Best CAGR Best Period Worst CAGR Worst Period
1-Year 45.47% 2003-03-31 to 2004-03-31 -22.09% 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 19.69% 2002-10-31 to 2007-10-31 1.60% 2018-09-30 to 2023-09-30
10-Year 11.43% 2003-04-30 to 2013-04-30 3.70% 2013-11-30 to 2023-11-30

Annual Returns

28 years
Year Pre-Tax Return After-Tax Return Tax Drag Pre-Tax Value After-Tax Value
2026 6.92% 1.89% 5.03% $146152 $78167
2025 16.32% 14.33% 1.99% $128460 $72077
2024 13.53% 12.95% 0.58% $105386 $60154
2023 -1.15% -1.13% -0.03% $93976 $53918
2022 -3.26% -6.54% 3.28% $92343 $52950
2021 16.96% 11.75% 5.21% $97651 $57993
2020 18.39% 18.33% 0.06% $82452 $51249
2019 6.78% 4.37% 2.41% $70880 $44091
2018 -6.65% -10.30% 3.64% $65624 $41757
2017 18.84% 17.79% 1.06% $66466 $44008
2016 8.59% 6.95% 1.64% $54901 $36673
2015 -8.15% -9.83% 1.68% $50992 $34584
2014 11.32% 8.26% 3.06% $54799 $37850
2013 13.60% 13.55% 0.05% $51076 $36279
2012 5.75% 3.11% 2.65% $43111 $30634
2011 3.21% -1.70% 4.91% $39880 $29054
2010 18.98% 16.52% 2.46% $38793 $29673
2009 27.91% 24.51% 3.40% $35250 $27551
2008 -10.92% -15.10% 4.18% $27464 $22052
2007 14.66% 13.05% 1.61% $31061 $26210
2006 14.05% 9.63% 4.42% $26526 $22724
2005 16.59% 14.15% 2.43% $21501 $19139
2004 11.89% 7.40% 4.49% $18894 $17182
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 - - IGOV,VTV,VEA,BIL 50%
Feb, 1999 $9812 $9812 -1.88% -1.88% IGOV,VTV,VEA,VWO,BIL 33%
Mar, 1999 $10159 $10159 3.54% 3.54% IGOV,VTV,VEA,VWO,BIL 32%
Apr, 1999 $10693 $10693 5.25% 5.25% IGOV,VTV,VEA,VWO,IAU,BIL 14%
May, 1999 $10231 $10231 -4.32% -4.32% VTV,VEA,VWO,VBR,VBK,BIL 13%
Jun, 1999 $10734 $10734 4.91% 4.91% VTV,VEA,VWO,VBR,VBK,IAU 0%
Jul, 1999 $10601 $10601 -1.24% -1.24% VTV,VEA,VWO,VBR,VBK,IAU 0%
Aug, 1999 $10374 $10374 -2.14% -2.14% VTV,VEA,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,VTV,VBK,VBR,VEA,VWO,BIL 4%
May, 2003 $12632 $12167 6.43% 6.43% IGOV,VTV,VBK,VBR,VWO,IAU,BIL 4%
Jun, 2003 $12919 $12444 2.28% 2.28% VTV,VBK,VBR,VWO,IAU,VEA 0%
Jul, 2003 $13475 $12980 4.30% 4.30% VTV,VBK,VBR,VWO,IAU,VEA 0%
Aug, 2003 $14231 $13708 5.61% 5.61% VTV,VBK,VBR,VWO,IAU,VEA 0%
Sep, 2003 $14351 $13823 0.85% 0.85% VTV,VBK,VBR,VWO,IAU,VEA 0%
Oct, 2003 $15494 $14924 7.96% 7.96% VBK,VBR,VWO,IAU,VEA,GSG 0%
Nov, 2003 $16095 $15504 3.88% 3.88% VBK,VBR,VWO,IAU,VEA,GSG 0%
Dec, 2003 $16717 $15839 3.86% 2.16% VBK,VBR,VWO,IAU,VEA,VTV 0%
Jan, 2004 $16886 $15999 1.01% 1.01% VBK,VBR,VWO,IAU,VEA,VTV 0%
Feb, 2004 $17277 $16372 2.32% 2.33% VBK,VBR,VWO,IAU,VEA,VTV 0%
Mar, 2004 $17398 $16487 0.70% 0.70% VBK,VBR,VWO,IAU,VEA,GSG 0%
Apr, 2004 $16074 $15230 -7.61% -7.62% VBK,VBR,VWO,VEA,GSG,VTV 0%
May, 2004 $16268 $15413 1.21% 1.20% VBK,VBR,VWO,VEA,GSG,VTV 0%
Jun, 2004 $16515 $15651 1.52% 1.55% VBK,VBR,VEA,GSG,VTV,BIL 18%
Jul, 2004 $16131 $15284 -2.33% -2.34% VBR,VEA,GSG,VTV,BIL 35%
Aug, 2004 $16353 $15495 1.38% 1.38% VBR,VEA,GSG,VTV,VWO,BIL 19%
Sep, 2004 $16861 $15974 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 $17398 6.60% 6.62% VBR,VEA,VTV,VWO,IAU,VBK 0%
Dec, 2004 $18894 $17182 2.90% -1.24% VBR,VEA,VTV,VWO,IAU,VBK 0%
Jan, 2005 $18442 $16767 -2.39% -2.42% VBR,VEA,VTV,VWO,IAU,VBK 0%
Feb, 2005 $19203 $17470 4.13% 4.20% VBR,VEA,VTV,VWO,IAU,VBK 0%
Mar, 2005 $18623 $16935 -3.02% -3.06% VBR,VEA,VTV,VWO,IAU,GSG 0%
Apr, 2005 $18214 $16569 -2.20% -2.16% VBR,VEA,VTV,VWO,IAU,IGOV 0%
May, 2005 $18470 $16800 1.41% 1.40% VBR,VEA,VTV,VWO,IGOV,VBK 0%
Jun, 2005 $18886 $17183 2.26% 2.28% VBR,VTV,VWO,VBK,IAU,GSG 0%
Jul, 2005 $19637 $17872 3.97% 4.01% VBR,VTV,VWO,VBK,GSG,VEA 0%
Aug, 2005 $19894 $18088 1.31% 1.21% VBR,VWO,VBK,GSG,VEA,IAU 0%
Sep, 2005 $20742 $18865 4.26% 4.29% VBR,VWO,VBK,GSG,VEA,IAU 0%
Oct, 2005 $19879 $18088 -4.16% -4.12% VBR,VWO,VBK,VEA,IAU,VTV 0%
Nov, 2005 $20872 $18997 5.00% 5.03% VBR,VWO,VBK,VEA,IAU,VTV 0%
Dec, 2005 $21501 $19139 3.01% 0.75% VBR,VWO,VBK,VEA,IAU,VTV 0%
Jan, 2006 $23258 $20728 8.17% 8.30% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Feb, 2006 $23159 $20631 -0.43% -0.47% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Mar, 2006 $23935 $21317 3.35% 3.33% VBR,VWO,VBK,VEA,IAU,VNQ 0%
Apr, 2006 $24891 $22202 3.99% 4.15% VBR,VWO,VBK,VEA,IAU,VNQ 0%
May, 2006 $23616 $21056 -5.12% -5.16% VWO,VBK,VEA,IAU,VNQ,VTV 0%
Jun, 2006 $23521 $20949 -0.40% -0.51% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Jul, 2006 $23938 $21312 1.77% 1.73% VWO,VEA,IAU,VNQ,VTV,GSG 0%
Aug, 2006 $24175 $21510 0.99% 0.93% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Sep, 2006 $24189 $21512 0.06% 0.01% VWO,VEA,IAU,VNQ,VTV,VBR 0%
Oct, 2006 $25147 $22354 3.96% 3.91% VWO,VEA,VNQ,VTV,VBR,VBK,BIL 1%
Nov, 2006 $26191 $23277 4.15% 4.13% VWO,VEA,VNQ,VTV,VBR,IAU,BIL 1%
Dec, 2006 $26526 $22724 1.28% -2.38% VWO,VEA,VNQ,VTV,VBR,IAU,BIL 1%
Jan, 2007 $27091 $23185 2.13% 2.03% VWO,VEA,VNQ,VTV,VBR,VBK 0%
Feb, 2007 $26826 $22964 -0.98% -0.95% VWO,VEA,VNQ,VTV,VBR,IAU,BIL 0%
Mar, 2007 $27152 $23258 1.21% 1.28% VWO,VEA,VNQ,VTV,IAU,VBK 0%
Apr, 2007 $27990 $23990 3.09% 3.15% VWO,VEA,VNQ,VTV,VBK,VBR 0%
May, 2007 $29030 $24899 3.72% 3.79% VWO,VEA,VNQ,VTV,VBK,VBR 0%
Jun, 2007 $28756 $24700 -0.94% -0.80% VWO,VEA,VTV,VBK,VBR,IGOV 0%
Jul, 2007 $28310 $24311 -1.55% -1.57% VWO,VEA,VBK,IGOV,IAU,BIL 14%
Aug, 2007 $28411 $24394 0.36% 0.34% VWO,VEA,VBK,IGOV,IAU,VTV 0%
Sep, 2007 $30278 $26017 6.57% 6.65% VWO,VEA,VBK,IAU,VTV,GSG 0%
Oct, 2007 $32249 $27718 6.51% 6.54% VWO,VEA,VBK,IAU,VTV,GSG 0%
Nov, 2007 $30712 $26373 -4.76% -4.85% VWO,VEA,IAU,GSG,IGOV,BIL 10%
Dec, 2007 $31061 $26210 1.14% -0.62% VWO,VEA,IAU,GSG,IGOV,BIL 10%
Jan, 2008 $30832 $25974 -0.74% -0.90% IAU,GSG,IGOV,BIL 49%
Feb, 2008 $31814 $26756 3.19% 3.01% IAU,GSG,IGOV,VWO,BIL 31%
Mar, 2008 $30851 $25974 -3.03% -2.92% IAU,GSG,IGOV,BIL 48%
Apr, 2008 $30602 $25755 -0.81% -0.84% IAU,GSG,IGOV,VWO,VNQ,VEA 0%
May, 2008 $30881 $25985 0.91% 0.89% IAU,GSG,IGOV,VWO,VEA,VBK 0%
Jun, 2008 $30314 $25453 -1.84% -2.05% IAU,GSG,IGOV,BIL 45%
Jul, 2008 $29577 $24884 -2.43% -2.24% IAU,GSG,IGOV,BIL 47%
Aug, 2008 $28801 $24252 -2.62% -2.54% IGOV,VBR,VNQ,VBK,BIL 32%
Sep, 2008 $27755 $23371 -3.63% -3.63% VNQ,BIL 83%
Oct, 2008 $25647 $21596 -7.60% -7.60% BIL 100%
Nov, 2008 $26581 $22382 3.64% 3.64% IGOV,BIL 83%
Dec, 2008 $27464 $22052 3.32% -1.48% IGOV,IAU,BIL 68%
Jan, 2009 $27558 $22127 0.34% 0.34% IGOV,IAU,BIL 67%
Feb, 2009 $27532 $22106 -0.10% -0.10% IGOV,IAU,BIL 67%
Mar, 2009 $27742 $22277 0.77% 0.78% IGOV,IAU,BIL 67%
Apr, 2009 $27665 $22215 -0.28% -0.28% IGOV,IAU,VWO,BIL 50%
May, 2009 $29136 $23399 5.32% 5.33% IGOV,IAU,VWO,VBR,VEA,VBK 0%
Jun, 2009 $28807 $23132 -1.13% -1.14% IGOV,IAU,VWO,VBR,VEA,VBK 0%
Jul, 2009 $30973 $24870 7.52% 7.51% IGOV,VWO,VBR,VEA,VBK,VTV 0%
Aug, 2009 $31880 $25599 2.93% 2.93% VWO,VBR,VEA,VBK,VTV,VNQ 0%
Sep, 2009 $33863 $27190 6.22% 6.22% VWO,VBR,VEA,VBK,VTV,VNQ 0%
Oct, 2009 $32544 $26132 -3.90% -3.89% VWO,VEA,VBK,VNQ,IAU,GSG,BIL 0%
Nov, 2009 $34600 $27783 6.32% 6.32% VWO,VEA,VBK,VNQ,IAU,GSG,BIL 0%
Dec, 2009 $35250 $27551 1.88% -0.84% VWO,VEA,VBK,VNQ,GSG,VBR 0%
Jan, 2010 $32605 $25466 -7.50% -7.57% VWO,VEA,VBK,VNQ,VBR,VTV 0%
Feb, 2010 $33702 $26327 3.36% 3.38% VWO,VEA,VBK,VNQ,VBR,VTV 0%
Mar, 2010 $36361 $28409 7.89% 7.91% VWO,VEA,VBK,VNQ,VBR,VTV 0%
Apr, 2010 $37391 $29220 2.83% 2.86% VWO,VBK,VNQ,VBR,VTV,IAU 0%
May, 2010 $35163 $27483 -5.96% -5.94% VBK,VNQ,VBR,IAU,VGLT,VGIT 0%
Jun, 2010 $34504 $26952 -1.87% -1.93% VNQ,IAU,VGLT,VGIT,VCIT,BIL 15%
Jul, 2010 $34959 $27309 1.32% 1.33% VNQ,VGLT,VCIT,VBR,VWO,VBK 0%
Aug, 2010 $34551 $26994 -1.17% -1.15% VNQ,VGLT,VCIT,VWO,IAU,VGIT 0%
Sep, 2010 $35722 $27912 3.39% 3.40% VNQ,VGLT,VWO,IAU,VBR,VBK 0%
Oct, 2010 $36679 $28659 2.68% 2.68% VNQ,VWO,IAU,VBR,VBK,VEA,BIL 0%
Nov, 2010 $36511 $28524 -0.46% -0.47% VNQ,VWO,IAU,VBR,VBK,VTV 0%
Dec, 2010 $38793 $29673 6.25% 4.03% VNQ,VWO,IAU,VBR,VBK,VTV 0%
Jan, 2011 $38641 $29557 -0.39% -0.39% VNQ,VBR,VBK,VTV,GSG,VEA 0%
Feb, 2011 $40293 $30822 4.27% 4.28% VNQ,VBR,VBK,VTV,GSG,VEA 0%
Mar, 2011 $40511 $30991 0.54% 0.55% VNQ,VBR,VBK,VTV,GSG,IAU 0%
Apr, 2011 $42364 $32400 4.57% 4.55% VNQ,VBR,VBK,GSG,IAU,VEA,BIL 0%
May, 2011 $41414 $31678 -2.24% -2.23% VNQ,VBK,IAU,VEA,VWO,VTV,BIL 1%
Jun, 2011 $40574 $31037 -2.03% -2.02% VNQ,VBK,VEA,VWO,VTV,VBR 0%
Jul, 2011 $39817 $30462 -1.86% -1.85% VNQ,VBK,IAU,IGOV,VCIT,VGLT 0%
Aug, 2011 $40474 $30959 1.65% 1.63% IAU,IGOV,VCIT,VGLT,VGIT,BIL 14%
Sep, 2011 $39993 $30587 -1.19% -1.20% IAU,IGOV,VCIT,VGLT,VGIT,BIL 14%
Oct, 2011 $40224 $30765 0.58% 0.59% IAU,VCIT,VGLT,VGIT,VNQ,BIL 14%
Nov, 2011 $40186 $30735 -0.10% -0.10% IAU,VCIT,VGLT,VGIT,BIL 30%
Dec, 2011 $39880 $29054 -0.76% -5.47% VCIT,VGLT,VGIT,VNQ,VTV,BIL 13%
Jan, 2012 $40767 $29712 2.22% 2.26% VCIT,VGLT,VGIT,VNQ,IAU,VBR 0%
Feb, 2012 $40450 $29475 -0.78% -0.80% VCIT,VGLT,VNQ,VBR,VTV,VBK,BIL 0%
Mar, 2012 $40896 $29801 1.10% 1.11% VNQ,VBR,VTV,VBK,VWO,BIL 19%
Apr, 2012 $40780 $29722 -0.28% -0.27% VNQ,VTV,VBK,VCIT,VGLT,VGIT 0%
May, 2012 $40177 $29273 -1.48% -1.51% VNQ,VTV,VCIT,VGLT,VGIT,BIL 16%
Jun, 2012 $40814 $29744 1.58% 1.61% VNQ,VTV,VCIT,VGLT,VGIT,VBR 0%
Jul, 2012 $41458 $30214 1.58% 1.58% VNQ,VTV,VCIT,VGLT,VGIT,VBR 0%
Aug, 2012 $41727 $30411 0.65% 0.65% VNQ,VTV,VCIT,VGLT,VBR,VBK 0%
Sep, 2012 $42039 $30633 0.75% 0.73% VNQ,VTV,VBR,VBK,IAU,VWO,BIL 1%
Oct, 2012 $41503 $30245 -1.27% -1.27% VTV,VBR,VBK,VCIT,IGOV,VEA,BIL 3%
Nov, 2012 $41759 $30429 0.62% 0.61% VTV,VBR,VBK,VCIT,VEA,VWO,BIL 2%
Dec, 2012 $43111 $30634 3.24% 0.68% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 2%
Jan, 2013 $44961 $31950 4.29% 4.29% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 2%
Feb, 2013 $45066 $32023 0.23% 0.23% VTV,VBR,VBK,VEA,VWO,VNQ,BIL 2%
Mar, 2013 $46265 $32873 2.66% 2.66% VTV,VBR,VBK,VEA,VNQ,VCIT 0%
Apr, 2013 $47487 $33750 2.64% 2.67% VTV,VBR,VBK,VEA,VNQ,VGLT 0%
May, 2013 $47039 $33425 -0.94% -0.96% VTV,VBR,VBK,VEA,VNQ,BIL 16%
Jun, 2013 $46408 $32973 -1.34% -1.35% VTV,VBR,VBK,VEA,VNQ,BIL 16%
Jul, 2013 $48369 $34365 4.22% 4.22% VTV,VBR,VBK,VEA,VNQ,GSG 0%
Aug, 2013 $47104 $33458 -2.61% -2.64% VTV,VBR,VBK,VEA,GSG,BIL 15%
Sep, 2013 $48555 $34490 3.08% 3.08% VTV,VBR,VBK,VEA,IGOV,BIL 13%
Oct, 2013 $49876 $35430 2.72% 2.72% VTV,VBR,VBK,VEA,VWO,VNQ 0%
Nov, 2013 $50273 $35709 0.79% 0.79% VTV,VBR,VBK,VEA,VWO,IGOV 0%
Dec, 2013 $51076 $36279 1.60% 1.60% VTV,VBR,VBK,VEA,VWO,IGOV 0%
Jan, 2014 $49229 $34964 -3.62% -3.63% VTV,VBR,VBK,VEA,VGLT,VCIT 0%
Feb, 2014 $51113 $36301 3.83% 3.83% VTV,VBR,VBK,VEA,IGOV,VNQ 0%
Mar, 2014 $51303 $36440 0.37% 0.38% VTV,VBR,VBK,VEA,IGOV,VNQ 0%
Apr, 2014 $51373 $36497 0.14% 0.16% VTV,VBR,VBK,VEA,VNQ,MTUM,BIL 0%
May, 2014 $52368 $37205 1.94% 1.94% VTV,VBR,VEA,VNQ,MTUM,VGLT 0%
Jun, 2014 $53316 $37883 1.81% 1.82% VTV,VBR,VEA,VNQ,MTUM,VBK 0%
Jul, 2014 $51933 $36904 -2.59% -2.58% VTV,VEA,VNQ,MTUM,VGLT,VWO,BIL 1%
Aug, 2014 $53595 $38086 3.20% 3.20% VTV,VNQ,MTUM,VGLT,VWO,VBR,BIL 2%
Sep, 2014 $51734 $36762 -3.47% -3.48% VTV,VNQ,MTUM,VGLT,VCIT,VGIT,BIL 1%
Oct, 2014 $53046 $37696 2.54% 2.54% VTV,VNQ,MTUM,VGLT,VBR,VBK,BIL 0%
Nov, 2014 $54214 $38527 2.20% 2.20% VTV,VNQ,MTUM,VGLT,VBR,VBK,BIL 0%
Dec, 2014 $54799 $37850 1.08% -1.76% VTV,VNQ,MTUM,VGLT,VBR,VCIT,BIL 0%
Jan, 2015 $55514 $38353 1.30% 1.33% VNQ,MTUM,VGLT,VCIT,IAU,VGIT,BIL 1%
Feb, 2015 $54460 $37620 -1.90% -1.91% VNQ,MTUM,VGLT,VBR,VTV,VBK,BIL 1%
Mar, 2015 $54568 $37696 0.20% 0.20% VNQ,MTUM,VGLT,VBR,VBK,VCIT,BIL 1%
Apr, 2015 $53614 $37032 -1.75% -1.76% MTUM,VBR,VBK,VEA,VWO,VTV 0%
May, 2015 $54093 $37364 0.89% 0.90% MTUM,VBR,VBK,VEA,VTV,VGLT 0%
Jun, 2015 $53170 $36727 -1.71% -1.70% MTUM,VBR,VBK,VEA,VTV,VGIT 0%
Jul, 2015 $53801 $37165 1.19% 1.19% MTUM,VBR,VBK,VEA,VTV,BIL 16%
Aug, 2015 $50991 $35224 -5.22% -5.22% VGIT,BIL 83%
Sep, 2015 $51076 $35282 0.17% 0.17% VGIT,VGLT,VCIT,BIL 50%
Oct, 2015 $51007 $35235 -0.13% -0.13% VGIT,VCIT,MTUM,VNQ,VTV,BIL 17%
Nov, 2015 $51012 $35238 0.01% 0.01% VCIT,MTUM,VNQ,VTV,BIL 33%
Dec, 2015 $50992 $34584 -0.04% -1.86% MTUM,VNQ,VGIT,BIL 50%
Jan, 2016 $50559 $34290 -0.85% -0.85% VGIT,VGLT,VCIT,IGOV,BIL 33%
Feb, 2016 $51209 $34731 1.28% 1.29% VGIT,VGLT,VCIT,IGOV,IAU,VNQ 0%
Mar, 2016 $52539 $35630 2.60% 2.59% VGLT,IGOV,IAU,VNQ,MTUM,VTV,BIL 0%
Apr, 2016 $52959 $35916 0.80% 0.80% VGLT,IGOV,IAU,VNQ,VTV,VBR 0%
May, 2016 $52675 $35723 -0.54% -0.54% VGLT,IGOV,VNQ,VTV,VBR,MTUM 0%
Jun, 2016 $54471 $36939 3.41% 3.40% VGLT,IGOV,VNQ,MTUM,IAU,VCIT 0%
Jul, 2016 $55692 $37766 2.24% 2.24% VGLT,VNQ,IAU,VBR,VWO,VBK 0%
Aug, 2016 $55122 $37381 -1.02% -1.02% VGLT,VNQ,VBR,VWO,VBK,VTV 0%
Sep, 2016 $55054 $37335 -0.12% -0.12% VBR,VWO,VBK,VTV,IAU,MTUM,BIL 0%
Oct, 2016 $53803 $36485 -2.27% -2.28% VBR,VWO,VTV,IAU,MTUM,VCIT 0%
Nov, 2016 $53825 $36500 0.04% 0.04% VBR,VWO,VTV,MTUM,GSG,VBK 0%
Dec, 2016 $54901 $36673 2.00% 0.48% VBR,VWO,VTV,GSG,VBK,VEA 0%
Jan, 2017 $55927 $37362 1.87% 1.88% VBR,VWO,VTV,GSG,VBK,VEA 0%
Feb, 2017 $57013 $38091 1.94% 1.95% VBR,VWO,VTV,VBK,VEA,MTUM 0%
Mar, 2017 $57641 $38510 1.10% 1.10% VBR,VWO,VTV,VBK,VEA,MTUM 0%
Apr, 2017 $58405 $39018 1.33% 1.32% VBR,VWO,VTV,VBK,VEA,MTUM 0%
May, 2017 $59091 $39472 1.18% 1.16% VBR,VWO,VTV,VBK,VEA,MTUM 0%
Jun, 2017 $59870 $39994 1.32% 1.32% VBR,VWO,VTV,VBK,VEA,MTUM 0%
Jul, 2017 $61459 $41053 2.65% 2.65% VBR,VWO,VTV,VBK,VEA,MTUM 0%
Aug, 2017 $61713 $41221 0.41% 0.41% VWO,VTV,VBK,VEA,MTUM,IGOV,BIL 0%
Sep, 2017 $62715 $41890 1.62% 1.62% VWO,VTV,VBK,VEA,MTUM,VBR 0%
Oct, 2017 $64220 $42890 2.40% 2.39% VWO,VTV,VBK,VEA,MTUM,VBR 0%
Nov, 2017 $65577 $43794 2.11% 2.11% VWO,VTV,VBK,VEA,MTUM,VBR 0%
Dec, 2017 $66466 $44008 1.36% 0.49% VWO,VTV,VBK,VEA,MTUM,GSG 0%
Jan, 2018 $70302 $46549 5.77% 5.77% VWO,VTV,VBK,VEA,MTUM,GSG 0%
Feb, 2018 $67570 $44730 -3.89% -3.91% VWO,VTV,VBK,VEA,MTUM,GSG 0%
Mar, 2018 $67173 $44473 -0.59% -0.57% VWO,VBK,VEA,MTUM,GSG,IGOV 0%
Apr, 2018 $67304 $44563 0.19% 0.20% VWO,VBK,VEA,MTUM,GSG,VTV 0%
May, 2018 $68068 $45065 1.13% 1.13% VBK,MTUM,GSG,VTV,VBR,VNQ,BIL 1%
Jun, 2018 $68862 $45593 1.17% 1.17% VBK,MTUM,GSG,VTV,VBR,VNQ,BIL 1%
Jul, 2018 $69606 $46078 1.08% 1.07% VBK,MTUM,GSG,VTV,VBR,VNQ,BIL 1%
Aug, 2018 $71988 $47650 3.42% 3.41% VBK,MTUM,GSG,VTV,VBR,VNQ,BIL 1%
Sep, 2018 $71981 $47644 -0.01% -0.01% VBK,MTUM,GSG,VTV,VBR,VNQ,BIL 1%
Oct, 2018 $66675 $44141 -7.37% -7.35% VNQ,BIL 83%
Nov, 2018 $67316 $44566 0.96% 0.96% VNQ,VTV,VGIT,BIL 49%
Dec, 2018 $65624 $41757 -2.51% -6.30% VGIT,IAU,VGLT,VCIT,BIL 33%
Jan, 2019 $66380 $42243 1.15% 1.17% VGIT,IAU,VGLT,VCIT,VNQ,BIL 15%
Feb, 2019 $66270 $42172 -0.17% -0.17% VGIT,IAU,VGLT,VCIT,VNQ,VBK 0%
Mar, 2019 $67663 $43064 2.10% 2.12% VGLT,VCIT,VNQ,VBK,MTUM,VTV,BIL 0%
Apr, 2019 $68452 $43557 1.17% 1.14% VNQ,VBK,MTUM,VTV,VBR,VWO,BIL 1%
May, 2019 $65138 $41465 -4.84% -4.80% VNQ,VGLT,VGIT,VCIT,IAU,IGOV 0%
Jun, 2019 $66947 $42617 2.78% 2.78% VNQ,VGLT,IAU,MTUM,VTV,VBK 0%
Jul, 2019 $67668 $43076 1.08% 1.08% VNQ,VGLT,IAU,MTUM,VBK,VCIT 0%
Aug, 2019 $70270 $44732 3.84% 3.84% VNQ,VGLT,IAU,MTUM,VCIT,VGIT 0%
Sep, 2019 $69544 $44270 -1.03% -1.03% VNQ,VGLT,IAU,VCIT,VGIT,VTV 0%
Oct, 2019 $70187 $44679 0.93% 0.93% VNQ,VGLT,IAU,VCIT,MTUM,VEA 0%
Nov, 2019 $70081 $44612 -0.15% -0.15% VNQ,VGLT,MTUM,VEA,VTV,VBK,BIL 0%
Dec, 2019 $70880 $44091 1.14% -1.17% MTUM,VEA,VTV,VBK,VBR,VWO,BIL 1%
Jan, 2020 $69642 $43310 -1.75% -1.77% MTUM,VBK,IAU,VGLT,VNQ,VCIT 0%
Feb, 2020 $67918 $42232 -2.48% -2.49% IAU,VGLT,VCIT,IGOV,VGIT,BIL 16%
Mar, 2020 $68007 $42293 0.13% 0.15% IAU,VGLT,VGIT,BIL 47%
Apr, 2020 $68923 $42863 1.35% 1.35% IAU,VGLT,VGIT,VCIT,BIL 29%
May, 2020 $69361 $43135 0.63% 0.63% IAU,VGLT,VGIT,VCIT,MTUM,VBK 0%
Jun, 2020 $70752 $44000 2.01% 2.01% IAU,VGLT,VGIT,VCIT,MTUM,VBK 0%
Jul, 2020 $74390 $46263 5.14% 5.14% IAU,VGLT,VCIT,MTUM,VBK,VWO 0%
Aug, 2020 $75503 $46955 1.50% 1.50% IAU,MTUM,VBK,VWO,VEA,VTV,BIL 0%
Sep, 2020 $73575 $45756 -2.55% -2.55% IAU,MTUM,VBK,VWO,VEA,VCIT,BIL 0%
Oct, 2020 $72712 $45219 -1.17% -1.17% IAU,MTUM,VBK,VWO,VCIT,VBR 0%
Nov, 2020 $78123 $48584 7.44% 7.44% MTUM,VBK,VWO,VBR,VEA,VTV 0%
Dec, 2020 $82452 $51249 5.54% 5.48% MTUM,VBK,VWO,VBR,VEA,VTV 0%
Jan, 2021 $83491 $51895 1.26% 1.26% MTUM,VBK,VWO,VBR,VEA,GSG 0%
Feb, 2021 $86993 $54071 4.19% 4.19% VBK,VWO,VBR,VEA,GSG,VTV,BIL 1%
Mar, 2021 $88562 $55046 1.80% 1.80% VBK,VWO,VBR,VEA,GSG,VTV,BIL 1%
Apr, 2021 $92062 $57221 3.95% 3.95% VBK,VBR,VEA,GSG,VTV,VNQ 0%
May, 2021 $93609 $58183 1.68% 1.68% VBR,VEA,GSG,VTV,VNQ,VWO 0%
Jun, 2021 $94263 $58589 0.70% 0.70% VBR,GSG,VTV,VNQ,VWO,VBK 0%
Jul, 2021 $94090 $58481 -0.18% -0.18% VBR,GSG,VTV,VNQ,VBK,VEA 0%
Aug, 2021 $95236 $59194 1.22% 1.22% VBR,GSG,VTV,VNQ,VBK,MTUM 0%
Sep, 2021 $93075 $57850 -2.27% -2.27% VBR,GSG,VTV,VNQ,MTUM,BIL 16%
Oct, 2021 $97880 $60837 5.16% 5.16% VBR,GSG,VTV,VNQ,MTUM,VBK 0%
Nov, 2021 $93169 $57909 -4.81% -4.81% VBR,GSG,VTV,VNQ,MTUM,VGLT 0%
Dec, 2021 $97651 $57993 4.81% 0.15% VBR,GSG,VTV,VNQ,MTUM,VEA 0%
Jan, 2022 $95455 $56652 -2.25% -2.31% GSG,VTV,VNQ,BIL 44%
Feb, 2022 $96333 $57172 0.92% 0.92% GSG,VTV,IAU,VBR,BIL 27%
Mar, 2022 $99222 $58903 3.00% 3.03% GSG,VTV,IAU,VBR,VNQ,BIL 9%
Apr, 2022 $97329 $57776 -1.91% -1.91% GSG,IAU,BIL 59%
May, 2022 $98176 $58286 0.87% 0.88% GSG,VTV,BIL 58%
Jun, 2022 $95011 $56397 -3.22% -3.24% GSG,BIL 76%
Jul, 2022 $94869 $56311 -0.15% -0.15% GSG,BIL 76%
Aug, 2022 $94335 $55991 -0.56% -0.57% GSG,BIL 76%
Sep, 2022 $92832 $55090 -1.59% -1.61% BIL 100%
Oct, 2022 $92980 $55178 0.16% 0.16% MTUM,VTV,BIL 67%
Nov, 2022 $94641 $56163 1.79% 1.79% MTUM,VTV,VBR,VEA,BIL 32%
Dec, 2022 $92343 $52950 -2.43% -5.72% MTUM,VTV,VEA,IAU,BIL 33%
Jan, 2023 $95070 $54532 2.95% 2.99% VTV,VEA,IAU,VBR,VWO,VBK 0%
Feb, 2023 $91344 $52389 -3.92% -3.93% VTV,VEA,IAU,VBR,VBK,BIL 16%
Mar, 2023 $91981 $52770 0.70% 0.73% VTV,VEA,IAU,VCIT,VWO,VGIT 0%
Apr, 2023 $92990 $53351 1.10% 1.10% VTV,VEA,IAU,VCIT,VWO,VGIT 0%
May, 2023 $90682 $52022 -2.48% -2.49% VEA,IAU,VCIT,VGIT,VGLT,VBK,BIL 0%
Jun, 2023 $92072 $52828 1.53% 1.55% VEA,VBK,VBR,MTUM,VWO,VTV 0%
Jul, 2023 $95738 $54931 3.98% 3.98% VEA,VBK,VBR,VWO,VTV,GSG 0%
Aug, 2023 $92586 $53120 -3.29% -3.30% VEA,VBR,VTV,GSG,IAU,MTUM,BIL 1%
Sep, 2023 $89880 $51568 -2.92% -2.92% GSG,BIL 82%
Oct, 2023 $89561 $51385 -0.35% -0.35% GSG,IAU,BIL 66%
Nov, 2023 $89528 $51366 -0.04% -0.04% IAU,VTV,VBR,VEA,MTUM,VWO 0%
Dec, 2023 $93976 $53918 4.97% 4.97% IAU,VBR,VEA,MTUM,VNQ,VBK 0%
Jan, 2024 $92827 $53259 -1.22% -1.22% VBR,VEA,MTUM,VBK,VCIT,VTV 0%
Feb, 2024 $96987 $55646 4.48% 4.48% VBR,VEA,MTUM,VBK,VTV,VWO 0%
Mar, 2024 $100581 $57708 3.71% 3.71% VBR,VEA,MTUM,VBK,VTV,IAU 0%
Apr, 2024 $96609 $55429 -3.95% -3.95% VBR,MTUM,VBK,VTV,IAU,VWO 0%
May, 2024 $99836 $57281 3.34% 3.34% VBR,MTUM,VBK,VTV,IAU,VEA 0%
Jun, 2024 $100034 $57394 0.20% 0.20% MTUM,VTV,IAU,VEA,GSG,VWO 0%
Jul, 2024 $101466 $58216 1.43% 1.43% MTUM,VTV,IAU,VBR,VNQ,VBK 0%
Aug, 2024 $103836 $59575 2.34% 2.34% MTUM,VTV,IAU,VBR,VNQ,VEA 0%
Sep, 2024 $106589 $61155 2.65% 2.65% MTUM,VTV,IAU,VBR,VNQ,VWO 0%
Oct, 2024 $105918 $60770 -0.63% -0.63% MTUM,VTV,IAU,VBR,VNQ,VBK 0%
Nov, 2024 $111862 $64180 5.61% 5.61% MTUM,VTV,IAU,VBR,VNQ,VBK 0%
Dec, 2024 $105386 $60154 -5.79% -6.27% MTUM,VTV,IAU,VBR,VBK,GSG 0%
Jan, 2025 $110437 $63042 4.79% 4.80% MTUM,VTV,IAU,VBR,VBK,GSG 0%
Feb, 2025 $108964 $62199 -1.33% -1.34% MTUM,VTV,IAU,GSG,VWO,VNQ 0%
Mar, 2025 $109156 $62312 0.18% 0.18% VTV,IAU,GSG,VWO,VEA,VGIT 0%
Apr, 2025 $109071 $62261 -0.08% -0.08% IAU,VEA,VGIT,IGOV,MTUM,VCIT 0%
May, 2025 $111783 $63810 2.49% 2.49% IAU,VEA,IGOV,MTUM,VCIT,VWO 0%
Jun, 2025 $115072 $65684 2.94% 2.94% IAU,VEA,IGOV,MTUM,VWO,VBK 0%
Jul, 2025 $114436 $65322 -0.55% -0.55% IAU,VEA,MTUM,VWO,VBK,GSG 0%
Aug, 2025 $117833 $67261 2.97% 2.97% IAU,VEA,MTUM,VWO,VBK,VBR 0%
Sep, 2025 $123703 $70612 4.98% 4.98% IAU,VEA,MTUM,VWO,VBK,VBR 0%
Oct, 2025 $125275 $71510 1.27% 1.27% IAU,VEA,MTUM,VWO,VBK,VTV 0%
Nov, 2025 $126874 $72425 1.28% 1.28% IAU,VEA,MTUM,VWO,VTV,GSG 0%
Dec, 2025 $128460 $72077 1.25% -0.48% IAU,VEA,MTUM,VWO,VTV,VBR 0%
Jan, 2026 $136697 $76720 6.41% 6.44% IAU,VEA,VWO,VTV,VBR,GSG 0%
Feb, 2026 $143338 $80455 4.86% 4.87% IAU,VEA,VWO,VTV,VBR,GSG 0%
Mar, 2026 $139341 $78106 -2.79% -2.92% IAU,VEA,VWO,VTV,VBR,GSG 0%
Apr, 2026 $146380 $82048 5.05% 5.05% VEA,VWO,VBR,GSG,MTUM,VBK,BIL 3%
May, 2026 $146152 $78167 -0.16% -4.73% VEA,VWO,VBR,GSG,MTUM,VBK,BIL 3%
📝 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)