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Articles

Every number in these pieces is computed by our own backtest engine from real market history — the same engine you can use free on the calculator.

How to backtest your portfolio (free, in 2 minutes)

The two-minute guide — and how to read results without fooling yourself.

SCHD vs the S&P 500: a 15-year backtest

Real dividends, real drawdowns, and an honest answer that depends on what you're optimizing.

What DRIP actually does, with real numbers

Reinvesting vs taking cash: a 15-year Coca-Cola backtest, 24% apart.

Volatility, Sharpe, Sortino, beta and drawdown in plain English

What's good, what's normal, and which number predicts your behavior.

What a 1% fee really costs over 30 years

Two identical plans, one number changed: $192,901 difference.

Can you live off a portfolio? A real withdrawal backtest

4% withdrawals from $500k since 2015 — and why the start date is everything.

Rebalancing: what it actually does (and doesn't)

A clean two-stock example where rebalancing cost money and bought calm.