Saving Account

The chart shows the growth of an initial investment of $10,000 in Saving Account, 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.

As of Apr 2, 2026, the Saving Account returned 2.12% Year-To-Date and 7.74% of annualized return in the last 10 years.

Based on dividend-adjusted daily data since Nov 24, 2009, Saving Account's average daily return is +0.02%, while the average monthly return is +0.51%. At this rate, your investment would double in approximately 11.4 years.

Historically, 64% of months were positive and 36% were negative. The best month was Nov 2022 with a return of +5.0%, while the worst month was Sep 2011 at -5.6%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 4 months.

On a daily basis, Saving Account closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +2.8%, while the worst single day was Mar 12, 2020 at -3.5%.

Saving Account has an annualized alpha of 3.26%, beta of 0.24, and R² of 0.39 versus S&P 500 Index. Calculated based on daily prices since November 24, 2009.

• This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (29.56%) than losses (21.86%) — typical of diversified or defensive assets.
• Beta of 0.24 may look defensive, but with R² of 0.39 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 0.39 means the benchmark explains less than half of this portfolio's behavior — treat beta with caution or consider switching to a more representative benchmark.

Saving Account has an expense ratio of 0.18%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

Saving Account ranks 86 for risk / return — in the top 86% 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.

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.

Saving Account Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

• 1-Year: 2.03
• 5-Year: 1.22
• 10-Year: 1.19
• All Time: 0.93

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 1.00 to 1.69, 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 Saving Account compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Saving Account provided a 2.52% 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 Saving Account. 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 Saving Account was 13.33%, occurring on Oct 14, 2022. Recovery took 282 trading sessions.

The current Saving Account drawdown is 4.44%.

The chart below shows the rolling one-month volatility.