INTEREST

The chart shows the growth of an initial investment of $10,000 in INTEREST, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced Every 3 months.

Based on dividend-adjusted daily data since Feb 8, 2024, INTEREST's average daily return is +0.41%, while the average monthly return is +8.89%. At this rate, your investment would double in approximately 0.7 years.

Historically, 78% of months were positive and 22% were negative. The best month was Nov 2024 with a return of +85.1%, while the worst month was Mar 2026 at -8.6%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 2 months.

On a daily basis, INTEREST closed higher 55% of trading days. The best single day was Dec 18, 2024 with a return of +36.2%, while the worst single day was Dec 19, 2024 at -32.4%.

INTEREST has an annualized alpha of 161.66%, beta of 0.61, and R² of 0.03 versus S&P 500 Index. Calculated based on daily prices since February 08, 2024.

• This portfolio captured 359.43% of S&P 500 Index gains and tended to rise during its downturns (downside capture of -466.95%) — a profile typical of hedging or uncorrelated assets.
• Beta of 0.61 may look defensive, but with R² of 0.03 this portfolio is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this portfolio's risk.
• R² of 0.03 means this portfolio moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

INTEREST has an expense ratio of 0.00%, meaning no management fees are charged. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

INTEREST ranks 38 for risk / return — below 38% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

INTEREST Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

• 1-Year: 0.97
• All Time: 2.47

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 0.98 to 1.66, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of INTEREST compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

INTEREST provided a 3.53% dividend yield over the last twelve months.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the INTEREST. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the INTEREST was 32.40%, occurring on Dec 19, 2024. Recovery took 146 trading sessions.

The current INTEREST drawdown is 9.27%.

The chart below shows the rolling one-month volatility.