TFreeSA

Asset Allocation

Position	Category/Sector	Target Weight
AIA iShares Asia 50 ETF	Asia Pacific Equities	2.07%
FBTC.TO Fidelity Advantage Bitcoin ETF	Cryptocurrency	0%
IDV iShares International Select Dividend ETF	Global Equities, Dividend	97.93%
QQC.TO Invesco NASDAQ 100 Index ETF CAD Hedged	Nasdaq-100	0%
VA.TO Vanguard FTSE Developed Asia Pacific All Cap Index ETF	Asia Pacific Equities	0%
VDY.TO Vanguard FTSE Canadian High Dividend Yield Index ETF	Dividend	0%
VFV.TO Vanguard S&P 500 Index ETF	S&P 500	0%
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	International Equity	0%
XDIV.TO iShares Core MSCI Canadian Quality Dividend Index ETF	Dividend, Large Cap Value Equities	0%
XEQT.TO iShares Core Equity ETF Portfolio	Global Equities	0%
XGD.TO iShares S&P/TSX Global Gold Index ETF	Precious Metals	0%
ZCN.TO BMO S&P/TSX Capped Composite Index ETF	Canada Equities	0%
ZEB.TO BMO Equal Weight Banks Index ETF	Financials Equities	0%
ZEM.TO BMO MSCI Emerging Markets Index ETF	Emerging Markets Equities	0%
ZGD.TO BMO Equal Weight Global Gold Index ETF	Gold	0%
ZVC.TO BMO MSCI Canada Value Index ETF	Large Cap Value Equities	0%

Benchmark Against

Benchmark

S&P 500 Index

Transactions

Date	Type	Symbol	Quantity	Price
Feb 22, 2026	Buy	Vanguard FTSE Developed Asia Pacific All Cap Index ETF	1.2637	CA$56.19
Feb 22, 2026	Buy	Vanguard FTSE Developed All Cap ex North America Index ETF	0.7537	CA$47.76
Feb 22, 2026	Buy	BMO MSCI Emerging Markets Index ETF	2.5287	CA$30.45
Feb 22, 2026	Buy	iShares Asia 50 ETF	1.6244	$161.44
Feb 22, 2026	Buy	BMO MSCI Canada Value Index ETF	6.0401	CA$40.32
Feb 22, 2026	Buy	BMO Equal Weight Banks Index ETF	6.4104	CA$61.39
Feb 22, 2026	Sell	BMO S&P/TSX Capped Composite Index ETF	-9.4526	CA$45.24
Feb 22, 2026	Buy	iShares International Select Dividend ETF	2.434	$61.34
Feb 22, 2026	Sell	Vanguard FTSE Developed All Cap ex North America Index ETF	-3.0792	CA$47.75
Feb 5, 2026	Buy	BMO S&P/TSX Capped Composite Index ETF	1	CA$43.07

Performance

Performance Chart

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

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Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.10%	3.67%	0.43%	2.87%	26.88%	19.47%	12.78%	13.62%
Portfolio TFreeSA	39.16%	67,200.04%	4,559,501.14%	—	—	—	—	—
Portfolio components:
ZEM.TO BMO MSCI Emerging Markets Index ETF	0.54%	6.73%	11.62%	15.74%	47.14%	18.95%	7.14%	9.48%
XEQT.TO iShares Core Equity ETF Portfolio	0.41%	4.59%	4.80%	7.93%	34.16%	19.58%	12.32%	—
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	0.28%	6.97%	9.64%	14.86%	39.23%	18.17%	10.83%	10.06%
VDY.TO Vanguard FTSE Canadian High Dividend Yield Index ETF	0.72%	4.38%	11.81%	20.00%	53.23%	21.94%	17.21%	13.77%
VFV.TO Vanguard S&P 500 Index ETF	0.07%	3.79%	0.65%	3.24%	27.99%	20.76%	14.08%	15.19%
FBTC.TO Fidelity Advantage Bitcoin ETF	1.83%	5.50%	-15.66%	-37.90%	-13.22%	34.30%	—	—
QQC.TO Invesco NASDAQ 100 Index ETF CAD Hedged	0.33%	3.93%	0.32%	2.66%	34.47%	26.24%	—	—
XDIV.TO iShares Core MSCI Canadian Quality Dividend Index ETF	0.50%	5.22%	10.09%	16.00%	41.25%	19.79%	16.06%	—
ZCN.TO BMO S&P/TSX Capped Composite Index ETF	0.67%	2.86%	6.89%	14.13%	46.27%	21.55%	15.12%	12.79%
ZGD.TO BMO Equal Weight Global Gold Index ETF	1.35%	1.79%	20.37%	39.01%	130.46%	57.72%	35.84%	20.97%

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

Monthly Returns

Based on dividend-adjusted daily data since Nov 24, 2025, TFreeSA's average daily return is +12.98%, while the average monthly return is +13,647.50%. At this rate, an investment would double in approximately 0.0 years.

Historically, 83% of months were positive and 17% were negative. The best month was Mar 2026 with a return of +80,524.7%, while the worst month was Dec 2025 at -1.0%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 1 months.

On a daily basis, TFreeSA closed higher 83% of trading days. The best single day was Mar 31, 2026 with a return of +42.9%, while the worst single day was Jan 30, 2026 at -3.8%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.84%	442.42%	80,524.68%	913.79%									4,559,501.14%
2025											2.23%	-0.96%	1.24%

Benchmark Metrics

TFreeSA has an annualized alpha of 3868064011616797.00%, beta of 1.16, and R² of 0.00 versus S&P 500 Index. Calculated based on daily prices since November 24, 2025.

This portfolio captured 3749610.44% of S&P 500 Index gains and tended to rise during its downturns (downside capture of -170598182920843712.00%) — a profile typical of hedging or uncorrelated assets.
R² of 0.00 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.

Alpha: 3,868,064,011,616,797.00%

Beta: 1.16

R²: 0.00

Upside Capture: 3,749,610.44%

Downside Capture: -170,598,182,920,843,720.00%

Expense Ratio

Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

Top 10 holdings

XGD.TO

iShares S&P/TSX Global Gold Index ETF

ZGD.TO

BMO Equal Weight Global Gold Index ETF

AIA

iShares Asia 50 ETF

IDV

iShares International Select Dividend ETF

FBTC.TO

Fidelity Advantage Bitcoin ETF

ZVC.TO

BMO MSCI Canada Value Index ETF

ZEM.TO

BMO MSCI Emerging Markets Index ETF

ZEB.TO

BMO Equal Weight Banks Index ETF

VIU.TO

Vanguard FTSE Developed All Cap ex North America Index ETF

VDY.TO

Vanguard FTSE Canadian High Dividend Yield Index ETF

Return for Risk

Return / Risk — by metrics

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

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
ZEM.TO BMO MSCI Emerging Markets Index ETF	72	2.61	3.47	1.53	4.73	17.27
XEQT.TO iShares Core Equity ETF Portfolio	82	3.04	4.15	1.57	4.93	21.32
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	73	2.91	3.87	1.54	4.01	16.82
VDY.TO Vanguard FTSE Canadian High Dividend Yield Index ETF	99	7.07	10.00	2.47	18.27	76.87
VFV.TO Vanguard S&P 500 Index ETF	56	2.19	3.01	1.41	3.96	13.77
FBTC.TO Fidelity Advantage Bitcoin ETF	5	-0.22	-0.01	1.00	-0.15	-0.31
QQC.TO Invesco NASDAQ 100 Index ETF CAD Hedged	50	2.15	2.87	1.39	3.54	10.85
XDIV.TO iShares Core MSCI Canadian Quality Dividend Index ETF	98	5.95	8.66	2.30	16.96	64.61
ZCN.TO BMO S&P/TSX Capped Composite Index ETF	92	4.05	5.05	1.76	5.73	27.45
ZGD.TO BMO Equal Weight Global Gold Index ETF	77	3.29	3.22	1.49	5.69	20.01

Sharpe Ratio

There isn't enough data available to calculate the Sharpe ratio for TFreeSA. This metric is based on the past 12 months of trading data. Please check back later for updated information.

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Dividends

Dividend yield

TFreeSA provided a 0.00% dividend yield over the last twelve months.

	TTM	2025
Portfolio	0.00%	0.44%

Monthly Dividends

The table below shows the monthly dividends paid by this portfolio.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	CA$5.69	CA$7.06	CA$8,029.77	CA$0.00									CA$8,042.53
2025											CA$0.00	CA$18.74	CA$18.74

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 TFreeSA. 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 TFreeSA was 5.39%, occurring on Jan 30, 2026. Recovery took 6 trading sessions.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-5.39%	Jan 29, 2026	2	Jan 30, 2026	6	Feb 9, 2026	8
-2.54%	Dec 5, 2025	9	Dec 17, 2025	12	Jan 6, 2026	21
-0.85%	Nov 28, 2025	2	Dec 1, 2025	3	Dec 4, 2025	5
-0.32%	Jan 20, 2026	1	Jan 20, 2026	2	Jan 22, 2026	3
-0.26%	Jan 7, 2026	1	Jan 7, 2026	1	Jan 8, 2026	2

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 16 assets, with an effective number of assets of 1.04, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.

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	FBTC.TO	XDIV.TO	ZGD.TO	XGD.TO	IDV	VDY.TO	ZEB.TO	AIA	ZVC.TO	ZEM.TO	QQC.TO	VA.TO	VFV.TO	VIU.TO	ZCN.TO	XEQT.TO	Portfolio
Benchmark	1.00	0.48	0.38	0.30	0.33	0.56	0.45	0.58	0.66	0.54	0.65	0.93	0.64	0.99	0.74	0.64	0.87	0.19
FBTC.TO	0.48	1.00	0.22	0.17	0.18	0.32	0.33	0.39	0.45	0.27	0.43	0.53	0.43	0.50	0.42	0.38	0.48	0.19
XDIV.TO	0.38	0.22	1.00	0.15	0.14	0.47	0.78	0.48	0.24	0.74	0.28	0.28	0.36	0.40	0.41	0.53	0.50	0.18
ZGD.TO	0.30	0.17	0.15	1.00	0.97	0.25	0.36	0.37	0.35	0.53	0.38	0.32	0.45	0.28	0.38	0.74	0.49	0.16
XGD.TO	0.33	0.18	0.14	0.97	1.00	0.28	0.34	0.35	0.36	0.54	0.39	0.33	0.47	0.30	0.39	0.75	0.51	0.16
IDV	0.56	0.32	0.47	0.25	0.28	1.00	0.59	0.49	0.57	0.59	0.59	0.49	0.61	0.56	0.74	0.51	0.65	0.17
VDY.TO	0.45	0.33	0.78	0.36	0.34	0.59	1.00	0.76	0.37	0.80	0.44	0.39	0.54	0.46	0.55	0.72	0.63	0.18
ZEB.TO	0.58	0.39	0.48	0.37	0.35	0.49	0.76	1.00	0.43	0.62	0.47	0.56	0.57	0.60	0.64	0.71	0.72	0.16
AIA	0.66	0.45	0.24	0.35	0.36	0.57	0.37	0.43	1.00	0.37	0.88	0.72	0.73	0.66	0.72	0.55	0.71	0.17
ZVC.TO	0.54	0.27	0.74	0.53	0.54	0.59	0.80	0.62	0.37	1.00	0.43	0.45	0.53	0.53	0.59	0.80	0.73	0.19
ZEM.TO	0.65	0.43	0.28	0.38	0.39	0.59	0.44	0.47	0.88	0.43	1.00	0.65	0.79	0.65	0.76	0.60	0.76	0.16
QQC.TO	0.93	0.53	0.28	0.32	0.33	0.49	0.39	0.56	0.72	0.45	0.65	1.00	0.63	0.92	0.71	0.58	0.83	0.22
VA.TO	0.64	0.43	0.36	0.45	0.47	0.61	0.54	0.57	0.73	0.53	0.79	0.63	1.00	0.66	0.90	0.68	0.81	0.15
VFV.TO	0.99	0.50	0.40	0.28	0.30	0.56	0.46	0.60	0.66	0.53	0.65	0.92	0.66	1.00	0.76	0.62	0.87	0.21
VIU.TO	0.74	0.42	0.41	0.38	0.39	0.74	0.55	0.64	0.72	0.59	0.76	0.71	0.90	0.76	1.00	0.66	0.88	0.14
ZCN.TO	0.64	0.38	0.53	0.74	0.75	0.51	0.72	0.71	0.55	0.80	0.60	0.58	0.68	0.62	0.66	1.00	0.84	0.22
XEQT.TO	0.87	0.48	0.50	0.49	0.51	0.65	0.63	0.72	0.71	0.73	0.76	0.83	0.81	0.87	0.88	0.84	1.00	0.24
Portfolio	0.19	0.19	0.18	0.16	0.16	0.17	0.18	0.16	0.17	0.19	0.16	0.22	0.15	0.21	0.14	0.22	0.24	1.00

The correlation results are calculated based on daily price changes starting from Nov 24, 2025