Kamlesh Pandya

Asset Allocation

Position	Category/Sector	Target Weight
BANK.TO Evolve Canadian Banks and Lifecos Enhanced Yield Index Fund	Derivative Income	7.69%
FFN.TO North American Financial 15 Split Corp.	Financial Services	7.69%
FTN.TO Financial 15 Split Corp.	Financial Services	7.69%
HMAX.TO Hamilton Canadian Financials YIELD MAXIMIZER ETF	Derivative Income	7.69%
HTAE.TO Harvest Tech Achievers Enhanced Income ETF - Class A Units	Technology Equities	7.69%
LFE.TO Canadian Life Companies Split Corp.	Financial Services	7.69%
RBNK.TO RBC Canadian Bank Yield Index ETF	Financials Equities	7.69%
TF.TO Timbercreek Financial Corp.	Financial Services	7.69%
TSLY YieldMax TSLA Option Income Strategy ETF	Options Trading	7.69%
ZEB.TO BMO Equal Weight Banks Index ETF	Financials Equities	7.69%
ZFN.TO BMO SIA Focused North American Equity Fund		7.69%
ZSP.TO BMO S&P 500 Index ETF	S&P 500	7.69%
ZWC.TO BMO CA High Dividend Covered Call ETF	Derivative Income	7.69%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of CA$10,000 in Kamlesh Pandya, 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 week.

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The earliest data available for this chart is Nov 23, 2022, corresponding to the inception date of TSLY

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.49%	0.74%	-1.98%	-2.03%	27.55%	18.46%	12.35%	13.23%
Portfolio Kamlesh Pandya	0.44%	1.22%	-1.99%	5.70%	48.45%	26.10%	—	—
Portfolio components:
ZSP.TO BMO S&P 500 Index ETF	0.48%	0.66%	-1.84%	-1.95%	28.35%	19.65%	13.55%	14.72%
ZEB.TO BMO Equal Weight Banks Index ETF	0.65%	0.95%	4.23%	15.88%	61.28%	26.53%	17.18%	14.95%
ZWC.TO BMO CA High Dividend Covered Call ETF	0.14%	1.29%	7.22%	12.50%	34.39%	14.82%	11.54%	—
RBNK.TO RBC Canadian Bank Yield Index ETF	0.60%	0.58%	4.03%	14.08%	60.70%	26.12%	16.35%	—
BANK.TO Evolve Canadian Banks and Lifecos Enhanced Yield Index Fund	0.58%	2.73%	2.02%	15.43%	50.74%	26.66%	—	—
HMAX.TO Hamilton Canadian Financials YIELD MAXIMIZER ETF	0.45%	1.86%	0.28%	8.55%	37.23%	17.54%	—	—
TSLY YieldMax TSLA Option Income Strategy ETF	-1.61%	-5.43%	-12.94%	-12.01%	50.50%	14.68%	—	—
ZFN.TO BMO SIA Focused North American Equity Fund	0.41%	-1.51%	-5.62%	-4.34%	17.01%	17.13%	10.63%	—
FFN.TO North American Financial 15 Split Corp.	1.21%	4.40%	-9.96%	12.41%	94.55%	44.90%	18.91%	18.00%
FTN.TO Financial 15 Split Corp.	1.84%	7.69%	-5.08%	9.47%	83.79%	31.83%	19.77%	10.74%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jan 24, 2023, Kamlesh Pandya's average daily return is +0.09%, while the average monthly return is +1.83%. At this rate, your investment would double in approximately 3.2 years.

Historically, 75% of months were positive and 25% were negative. The best month was Nov 2023 with a return of +14.0%, while the worst month was Oct 2023 at -8.1%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Kamlesh Pandya closed higher 57% of trading days. The best single day was Apr 9, 2025 with a return of +7.3%, while the worst single day was Apr 4, 2025 at -5.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	0.71%	0.25%	-4.06%	1.18%									-1.99%
2025	1.56%	-3.37%	-4.44%	0.35%	9.00%	3.22%	2.15%	3.85%	6.75%	2.28%	2.14%	4.37%	30.73%
2024	0.01%	5.64%	4.33%	-3.77%	4.29%	0.90%	4.94%	1.95%	5.34%	1.79%	9.52%	-0.94%	38.91%
2023	2.08%	3.52%	-5.50%	1.30%	-1.87%	4.29%	4.20%	-5.84%	-4.54%	-8.12%	13.98%	9.68%	11.39%

Benchmark Metrics

Kamlesh Pandya has an annualized alpha of 7.53%, beta of 0.83, and R² of 0.59 versus S&P 500 Index. Calculated based on daily prices since January 24, 2023.

This portfolio captured 104.28% of S&P 500 Index gains but only 65.98% of its losses — a favorable profile for investors.
This portfolio generated an annualized alpha of 7.53% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.

Alpha: 7.53%

Beta: 0.83

R²: 0.59

Upside Capture: 104.28%

Downside Capture: 65.98%

Expense Ratio

Kamlesh Pandya has an expense ratio of 0.48%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

HTAE.TO

Harvest Tech Achievers Enhanced Income ETF - Class A Units

TSLY

YieldMax TSLA Option Income Strategy ETF

ZWC.TO

BMO CA High Dividend Covered Call ETF

HMAX.TO

Hamilton Canadian Financials YIELD MAXIMIZER ETF

BANK.TO

Evolve Canadian Banks and Lifecos Enhanced Yield Index Fund

RBNK.TO

RBC Canadian Bank Yield Index ETF

ZEB.TO

BMO Equal Weight Banks Index ETF

ZSP.TO

BMO S&P 500 Index ETF

Return for Risk

Risk / Return Rank

Kamlesh Pandya ranks 97 for risk / return — in the top 97% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	3.21	1.70	+1.51
Sortino ratio Return per unit of downside risk	4.52	2.56	+1.95
Omega ratio Gain probability vs. loss probability	1.65	1.37	+0.28
Calmar ratio Return relative to maximum drawdown	5.57	1.59	+3.98
Martin ratio Return relative to average drawdown	23.17	5.47	+17.70
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
ZSP.TO BMO S&P 500 Index ETF	71	1.74	2.64	1.37	1.64	5.55
ZEB.TO BMO Equal Weight Banks Index ETF	98	4.84	6.30	1.96	6.34	25.85
ZWC.TO BMO CA High Dividend Covered Call ETF	95	3.79	5.25	1.81	3.53	18.00
RBNK.TO RBC Canadian Bank Yield Index ETF	98	4.68	6.02	1.91	5.82	24.20
BANK.TO Evolve Canadian Banks and Lifecos Enhanced Yield Index Fund	97	4.04	5.30	1.78	4.72	17.86
HMAX.TO Hamilton Canadian Financials YIELD MAXIMIZER ETF	95	3.24	4.45	1.66	3.95	15.56
TSLY YieldMax TSLA Option Income Strategy ETF	43	1.20	1.76	1.22	1.55	3.64
ZFN.TO BMO SIA Focused North American Equity Fund	32	1.01	1.50	1.19	0.50	1.68
FFN.TO North American Financial 15 Split Corp.	93	3.61	4.19	1.69	3.14	12.09
FTN.TO Financial 15 Split Corp.	95	3.66	4.49	1.76	3.98	17.92

Sharpe Ratio

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.

Kamlesh Pandya Sharpe ratios as of Apr 7, 2026 (values are recalculated daily):

1-Year: 3.21
All Time: 1.54

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 1.62 to 2.54, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

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

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Dividends

Dividend yield

Kamlesh Pandya provided a 16.49% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	16.49%	14.96%	15.02%	13.02%	6.26%	4.30%	4.04%	4.87%	5.97%	4.65%	2.86%	2.88%
Portfolio components:
ZSP.TO BMO S&P 500 Index ETF	0.85%	0.82%	0.94%	1.33%	1.44%	1.15%	1.44%	1.47%	1.63%	1.63%	2.20%	1.53%
ZEB.TO BMO Equal Weight Banks Index ETF	2.88%	2.95%	3.98%	4.75%	4.29%	3.13%	4.15%	3.65%	3.64%	3.02%	3.19%	3.70%
ZWC.TO BMO CA High Dividend Covered Call ETF	5.67%	5.92%	6.73%	7.62%	7.01%	6.60%	8.15%	6.92%	7.11%	5.46%	0.00%	0.00%
RBNK.TO RBC Canadian Bank Yield Index ETF	3.40%	3.39%	4.50%	4.77%	4.49%	3.07%	4.18%	3.86%	4.06%	0.56%	0.00%	0.00%
BANK.TO Evolve Canadian Banks and Lifecos Enhanced Yield Index Fund	14.29%	13.73%	15.28%	13.60%	10.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
HMAX.TO Hamilton Canadian Financials YIELD MAXIMIZER ETF	12.57%	12.29%	14.08%	15.47%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TSLY YieldMax TSLA Option Income Strategy ETF	103.56%	91.19%	82.30%	76.47%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ZFN.TO BMO SIA Focused North American Equity Fund	0.53%	0.50%	0.90%	0.97%	2.37%	0.69%	0.59%	0.37%	0.03%	0.00%	0.00%	0.00%
FFN.TO North American Financial 15 Split Corp.	16.16%	14.01%	17.88%	5.12%	13.39%	18.23%	6.63%	17.84%	24.94%	13.79%	7.69%	14.23%
FTN.TO Financial 15 Split Corp.	13.72%	11.96%	16.66%	19.38%	16.38%	14.48%	8.94%	19.74%	23.69%	14.69%	15.67%	15.51%

Drawdowns

Drawdowns Chart

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.

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Worst Drawdowns

The table below displays the maximum drawdowns of the Kamlesh Pandya. 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 Kamlesh Pandya was 18.87%, occurring on Apr 8, 2025. Recovery took 34 trading sessions.

The current Kamlesh Pandya drawdown is 4.24%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-18.87%	Jan 31, 2025	47	Apr 8, 2025	34	May 27, 2025	81
-18.72%	Jul 31, 2023	64	Oct 27, 2023	34	Dec 14, 2023	98
-9.82%	Feb 21, 2023	19	Mar 17, 2023	86	Jul 18, 2023	105
-7.86%	Feb 26, 2026	17	Mar 20, 2026	—	—	—
-7.78%	Jul 17, 2024	16	Aug 7, 2024	8	Aug 19, 2024	24

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.

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Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 13 assets, with an effective number of assets of 13.00, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	Benchmark	TSLY	TF.TO	ZFN.TO	HTAE.TO	LFE.TO	FTN.TO	ZSP.TO	ZWC.TO	FFN.TO	RBNK.TO	BANK.TO	ZEB.TO	HMAX.TO	Portfolio
Benchmark	1.00	0.53	0.35	0.63	0.76	0.37	0.41	0.96	0.44	0.46	0.46	0.46	0.47	0.55	0.71
TSLY	0.53	1.00	0.21	0.33	0.43	0.21	0.28	0.50	0.21	0.31	0.28	0.25	0.29	0.33	0.58
TF.TO	0.35	0.21	1.00	0.28	0.31	0.42	0.42	0.35	0.51	0.44	0.44	0.46	0.44	0.50	0.57
ZFN.TO	0.63	0.33	0.28	1.00	0.58	0.35	0.38	0.65	0.41	0.38	0.41	0.44	0.42	0.47	0.61
HTAE.TO	0.76	0.43	0.31	0.58	1.00	0.35	0.39	0.78	0.35	0.42	0.42	0.41	0.41	0.48	0.66
LFE.TO	0.37	0.21	0.42	0.35	0.35	1.00	0.52	0.37	0.57	0.60	0.58	0.70	0.58	0.65	0.72
FTN.TO	0.41	0.28	0.42	0.38	0.39	0.52	1.00	0.43	0.53	0.70	0.59	0.58	0.60	0.62	0.70
ZSP.TO	0.96	0.50	0.35	0.65	0.78	0.37	0.43	1.00	0.46	0.46	0.49	0.49	0.49	0.57	0.72
ZWC.TO	0.44	0.21	0.51	0.41	0.35	0.57	0.53	0.46	1.00	0.58	0.76	0.78	0.78	0.81	0.71
FFN.TO	0.46	0.31	0.44	0.38	0.42	0.60	0.70	0.46	0.58	1.00	0.68	0.68	0.69	0.70	0.79
RBNK.TO	0.46	0.28	0.44	0.41	0.42	0.58	0.59	0.49	0.76	0.68	1.00	0.86	0.96	0.90	0.78
BANK.TO	0.46	0.25	0.46	0.44	0.41	0.70	0.58	0.49	0.78	0.68	0.86	1.00	0.88	0.90	0.80
ZEB.TO	0.47	0.29	0.44	0.42	0.41	0.58	0.60	0.49	0.78	0.69	0.96	0.88	1.00	0.92	0.79
HMAX.TO	0.55	0.33	0.50	0.47	0.48	0.65	0.62	0.57	0.81	0.70	0.90	0.90	0.92	1.00	0.85
Portfolio	0.71	0.58	0.57	0.61	0.66	0.72	0.70	0.72	0.71	0.79	0.78	0.80	0.79	0.85	1.00

The correlation results are calculated based on daily price changes starting from Jan 24, 2023

Kamlesh Pandya

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table