A complete monthly record of portfolio results, methodology, benchmarks, dividends, fees, and periods of underperformance.
As of · Updated monthlyA Monthly Record of
Decisions and Results
- TWRR
- +38.27%
- Time-weighted return · reconstructed · cumulative
- Portfolio XIRR
- +24.43%
- Money-weighted return · annualized
- SPY XIRR
- +19.26%
- Benchmark comparison · simulated · annualized
Performance Chart
Measured Consistently
Cumulative Reconstructed TWRR
Cumulative closing-price TWRR. Contributions are modeled at period start; net income and costs at period end. Not observed intraday TWRR.
- Portfolio
- SPY
Hover, touch, or use the Left and Right Arrow keys to compare monthly returns.
Cumulative Reconstructed TWRR
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Scroll the table to compare columns and find earlier months.
| Month End | Stock Market Value | Portfolio TWRR | SPY TWRR |
|---|---|---|---|
| 30 Sep 2026 | $127,533.11 | +38.27% | +32.20% |
| 31 Aug 2026 | $121,301.99 | +31.39% | +32.63% |
| 31 Jul 2026 | $117,230.24 | +26.98% | +29.17% |
| 30 Jun 2026 | $114,136.23 | +24.45% | +29.13% |
| 31 May 2026 | $117,464.23 | +27.93% | +30.47% |
| 30 Apr 2026 | $105,144.50 | +14.50% | +23.95% |
| 31 Mar 2026 | $88,918.83 | -3.16% | +12.16% |
| 28 Feb 2026 | $93,502.54 | +1.71% | +17.99% |
| 31 Jan 2026 | $100,301.45 | +10.05% | +19.02% |
| 31 Dec 2025 | $102,259.88 | +14.75% | +17.29% |
| 30 Nov 2025 | $99,987.88 | +15.73% | +17.20% |
| 31 Oct 2025 | $95,641.97 | +22.93% | +16.97% |
| 30 Sep 2025 | $81,436.74 | +17.35% | +14.25% |
| 31 Aug 2025 | $65,258.27 | +10.99% | +10.32% |
| 31 Jul 2025 | $63,165.74 | +9.81% | +8.10% |
| 30 Jun 2025 | $56,326.48 | +6.54% | +5.66% |
| 31 May 2025 | $52,220.75 | -1.32% | +0.50% |
| 30 Apr 2025 | $44,215.43 | -9.47% | -5.44% |
| 31 Mar 2025 | $37,731.71 | -9.70% | -4.62% |
| 28 Feb 2025 | $27,669.01 | -4.75% | +1.01% |
| 31 Jan 2025 | $17,083.22 | +0.20% | +2.31% |
| 31 Dec 2024 | $542.29 | -1.90% | -0.36% |
Annualized XIRR
Since-inception annualized XIRR at each month-end, not individual monthly returns. Periods shorter than 30 days are not annualized and are omitted from the lines.
- Portfolio
- SPY
Hover, touch, or use the Left and Right Arrow keys to compare monthly returns.
Annualized XIRR
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Scroll the table to compare columns and find earlier months.
| Month End | Stock Market Value | Portfolio XIRR | SPY XIRR |
|---|---|---|---|
| 30 Sep 2026 | $127,533.11 | +24.43% | +19.26% |
| 31 Aug 2026 | $121,301.99 | +21.14% | +21.00% |
| 31 Jul 2026 | $117,230.24 | +19.27% | +19.94% |
| 30 Jun 2026 | $114,136.24 | +18.66% | +21.64% |
| 31 May 2026 | $117,464.23 | +23.78% | +24.94% |
| 30 Apr 2026 | $105,144.51 | +11.63% | +20.54% |
| 31 Mar 2026 | $88,918.83 | -8.48% | +8.62% |
| 28 Feb 2026 | $93,502.55 | -2.92% | +17.60% |
| 31 Jan 2026 | $100,301.44 | +9.36% | +21.43% |
| 31 Dec 2025 | $102,259.88 | +19.13% | +21.75% |
| 30 Nov 2025 | $99,987.88 | +24.64% | +25.55% |
| 31 Oct 2025 | $95,641.97 | +46.69% | +29.73% |
| 30 Sep 2025 | $81,436.74 | +43.17% | +29.22% |
| 31 Aug 2025 | $65,258.27 | +34.39% | +25.03% |
| 31 Jul 2025 | $63,165.74 | +39.41% | +24.53% |
| 30 Jun 2025 | $56,326.48 | +38.61% | +23.24% |
| 31 May 2025 | $52,220.76 | +15.15% | +8.96% |
| 30 Apr 2025 | $44,215.43 | -20.68% | -16.83% |
| 31 Mar 2025 | $37,731.71 | -39.86% | -29.32% |
| 28 Feb 2025 | $27,669.01 | -39.75% | -4.76% |
| 31 Jan 2025 | $17,083.22 | +7.05% | +35.85% |
| 31 Dec 2024 | $542.29 | Not annualized: less than 30 days | Not annualized: less than 30 days |
Methodology
Cumulative reconstructed TWRR: Geometrically links closing-price returns to show cumulative performance, not an annualized rate. Purchase costs, including fees, and gifted securities are contributions at period start; net dividends and financing costs settle at period end. Gifts use the preceding close; splits change quantities without a cash flow. Non-trading dates use the preceding trading close. These assumptions do not recover actual intraday valuations or establish GIPS compliance.
Annualized XIRR: Measures money-weighted return using dated purchase costs, net dividends, financing interest and ending market value. Each chart point is the annualized return since inception at that month-end, not that month's return. Periods shorter than 30 days are not annualized.
SPY comparison: The TWRR chart uses dividend-adjusted prices from one data vintage, starting on the first purchase date, without a synthetic trading-fee deduction. The XIRR chart simulates purchases on the portfolio's purchase dates: gross purchase amounts determine units, while cash outflows include fees. These are hypothetical comparisons, not actual SPY holdings.
Stocks and ETFs: Both measures exclude cash balances, separate brokerage fund-account positions and liability balances. Listed ETFs in the stock ledger, including VGT and GRNY, remain included. Dividends are net of withholding tax; returns deduct trading fees and financing interest. Account deposits and withdrawals are outside this measurement boundary; the results do not represent the entire brokerage account.