Tech or Bills Performance Report

quarterly rebalance · Benchmark: SPY · 2007-07-02 to 2026-08-11

Hypothetical backtested results. Not actual trading. May not include all costs or reflect real‑world conditions. Past performance does not guarantee future results. Trading involves risk, including loss of principal.

Portfolio Growth

Growth of $10,000 — logarithmic scale

Drawdown

Decline from the prior peak, on daily equity

Performance Summary

MetricTech or BillsSPY
Start Balance$10,000$10,000
End Balance$134,753$74,992
Annualized Return (CAGR)14.60%11.13%
Standard Deviation15.54%15.55%
Best Year68.85%32.31%
Worst Year-34.48%-36.79%
Maximum Drawdown (Daily)-45.33% (2008-11-20)-55.19% (2009-03-09)
Maximum Drawdown (Monthly)-43.39% (2009-02-28)-50.78% (2009-02-28)
Sharpe Ratio0.960.75
Sortino Ratio1.161.03
Benchmark Correlation0.691.00

Annual Returns (2007–2026)

Year Strategy ReturnBalance SPY ReturnBalance
2026-11.51%$127,86710.13%$70,423
202526.29%$144,49317.72%$63,945
202418.32%$114,41524.89%$54,320
202342.60%$96,69826.18%$43,495
20221.40%$67,812-18.18%$34,472
202117.06%$66,87328.73%$42,129
202068.85%$57,12718.33%$32,727
201948.62%$33,83431.22%$27,657
20181.74%$22,765-4.57%$21,076
201722.56%$22,37621.71%$22,085
201612.08%$18,25712.00%$18,147
201510.46%$16,2881.23%$16,203
201414.15%$14,74513.46%$16,005
201318.26%$12,91832.31%$14,106
201213.96%$10,92315.99%$10,661
2011-3.70%$9,5851.90%$9,192
201012.78%$9,95315.06%$9,021
200934.02%$8,82626.35%$7,840
2008-34.48%$6,585-36.79%$6,205
20070.51%$10,051-1.83%$9,817

Monthly Returns

YearMonth StrategyBalance SPYBalance Holdings
20262026-085.81%$135,2923.15%$72,644VGT 100%
20262026-07-5.33%$127,8670.03%$70,423VGT 100%
20262026-060.27%$135,066-1.03%$70,398BIL 100%
20262026-050.32%$134,6995.26%$71,130BIL 100%
20262026-040.29%$134,27310.51%$67,574BIL 100%
20262026-03-3.89%$133,886-4.94%$61,150VGT 100%
20262026-02-2.84%$139,302-0.86%$64,326VGT 100%
20262026-01-0.78%$143,3701.47%$64,887VGT 100%
20252025-120.31%$144,4930.08%$63,945VGT 100%
20252025-11-5.17%$144,0440.19%$63,894VGT 100%
20252025-106.24%$151,8972.38%$63,769VGT 100%
20252025-090.33%$142,9773.56%$62,285BIL 100%
20252025-080.37%$142,5072.05%$60,142BIL 100%
20252025-070.36%$141,9802.30%$58,933BIL 100%
20252025-069.50%$141,4765.14%$57,606VGT 100%
20252025-0510.36%$129,1986.28%$54,791VGT 100%
20252025-041.30%$117,070-0.87%$51,551VGT 100%
20252025-030.33%$115,563-5.57%$52,002BIL 100%
20252025-020.32%$115,187-1.27%$55,071BIL 100%
20252025-010.35%$114,8152.69%$55,779BIL 100%
20242024-120.05%$114,415-2.41%$54,320VGT 100%
20242024-116.86%$114,3595.96%$55,659VGT 100%
20242024-10-0.72%$107,017-0.89%$52,527VGT 100%
20242024-090.42%$107,7932.10%$53,000BIL 100%
20242024-080.46%$107,3392.34%$51,909BIL 100%
20242024-070.45%$106,8461.21%$50,724BIL 100%
20242024-060.40%$106,3673.53%$50,117BIL 100%
20242024-050.46%$105,9445.06%$48,409BIL 100%
20242024-040.43%$105,461-4.03%$46,079BIL 100%
20242024-031.51%$105,0083.27%$48,015VGT 100%
20242024-024.83%$103,4495.22%$46,494VGT 100%
20242024-012.05%$98,6781.59%$44,188VGT 100%
20232023-120.43%$96,6984.57%$43,495BIL 100%
20232023-110.47%$96,2869.13%$41,596BIL 100%
20232023-100.43%$95,838-2.17%$38,115BIL 100%
20232023-090.40%$95,426-4.74%$38,960BIL 100%
20232023-080.50%$95,047-1.63%$40,901BIL 100%
20232023-070.39%$94,5773.27%$41,576BIL 100%
20232023-066.23%$94,2146.48%$40,258VGT 100%
20232023-058.46%$88,6890.46%$37,809VGT 100%
20232023-04-0.29%$81,7711.60%$37,635VGT 100%
20232023-039.70%$82,0073.71%$37,043VGT 100%
20232023-020.50%$74,756-2.51%$35,719VGT 100%
20232023-019.70%$74,3876.29%$36,640VGT 100%
20222022-120.36%$67,812-5.76%$34,472BIL 100%
20222022-110.32%$67,5675.56%$36,580BIL 100%
20222022-100.16%$67,3548.13%$34,654BIL 100%
20222022-090.21%$67,248-9.24%$32,049BIL 100%
20222022-080.19%$67,109-4.08%$35,313BIL 100%
20222022-070.04%$66,9799.21%$36,816BIL 100%
20222022-060.08%$66,955-8.25%$33,711BIL 100%
20222022-050.03%$66,9030.23%$36,741BIL 100%
20222022-04-0.01%$66,881-8.78%$36,658BIL 100%
20222022-030.05%$66,8893.76%$40,185BIL 100%
20222022-02-0.02%$66,858-2.95%$38,729BIL 100%
20222022-010.00%$66,873-5.27%$39,907BIL 100%
20212021-122.52%$66,8734.62%$42,129VGT 100%
20212021-113.12%$65,226-0.80%$40,267VGT 100%
20212021-108.19%$63,2547.02%$40,593VGT 100%
20212021-09-5.74%$58,465-4.66%$37,932VGT 100%
20212021-083.51%$62,0292.98%$39,786VGT 100%
20212021-073.37%$59,9252.44%$38,636VGT 100%
20212021-06-0.02%$57,9712.24%$37,715BIL 100%
20212021-05-0.01%$57,9840.66%$36,888BIL 100%
20212021-040.00%$57,9905.29%$36,647BIL 100%
20212021-030.74%$57,9904.54%$34,806VGT 100%
20212021-021.48%$57,5652.78%$33,294VGT 100%
20212021-01-0.70%$56,725-1.02%$32,394VGT 100%
20202020-125.71%$57,1273.70%$32,727VGT 100%
20202020-1112.53%$54,03910.88%$31,558VGT 100%
20202020-10-4.32%$48,021-2.49%$28,462VGT 100%
20202020-09-4.87%$50,191-3.74%$29,190VGT 100%
20202020-0811.14%$52,7586.98%$30,325VGT 100%
20202020-075.94%$47,4725.89%$28,347VGT 100%
20202020-067.04%$44,8091.77%$26,770VGT 100%
20202020-057.86%$41,8634.76%$26,304VGT 100%
20202020-0414.20%$38,81112.70%$25,107VGT 100%
20202020-030.20%$33,984-12.49%$22,278BIL 100%
20202020-020.12%$33,914-7.92%$25,457BIL 100%
20202020-010.12%$33,874-0.04%$27,646BIL 100%
20192019-123.97%$33,8342.91%$27,657VGT 100%
20192019-115.59%$32,5433.62%$26,876VGT 100%
20192019-103.75%$30,8192.21%$25,937VGT 100%
20192019-091.32%$29,7041.95%$25,376VGT 100%
20192019-08-2.19%$29,316-1.67%$24,892VGT 100%
20192019-073.54%$29,9741.51%$25,316VGT 100%
20192019-068.77%$28,9506.96%$24,939VGT 100%
20192019-05-8.88%$26,615-6.38%$23,316VGT 100%
20192019-046.37%$29,2084.09%$24,905VGT 100%
20192019-034.07%$27,4591.81%$23,927VGT 100%
20192019-027.33%$26,3853.24%$23,502VGT 100%
20192019-017.99%$24,5848.01%$22,764VGT 100%
20182018-120.18%$22,765-8.80%$21,076BIL 100%
20182018-110.19%$22,7231.85%$23,111BIL 100%
20182018-100.17%$22,681-6.91%$22,690BIL 100%
20182018-090.14%$22,6420.59%$24,375BIL 100%
20182018-080.16%$22,6113.19%$24,231BIL 100%
20182018-070.14%$22,5753.70%$23,481BIL 100%
20182018-060.15%$22,5440.58%$22,642BIL 100%
20182018-050.15%$22,5102.43%$22,513BIL 100%
20182018-040.10%$22,4770.52%$21,979BIL 100%
20182018-030.13%$22,453-2.74%$21,866BIL 100%
20182018-020.08%$22,424-3.64%$22,482BIL 100%
20182018-010.13%$22,4055.64%$23,330BIL 100%
20172017-120.10%$22,3761.21%$22,085VGT 100%
20172017-111.09%$22,3553.06%$21,821VGT 100%
20172017-107.40%$22,1142.36%$21,174VGT 100%
20172017-090.79%$20,5912.01%$20,686VGT 100%
20172017-083.11%$20,4290.29%$20,277VGT 100%
20172017-074.13%$19,8132.06%$20,218VGT 100%
20172017-06-2.54%$19,0270.64%$19,811VGT 100%
20172017-054.41%$19,5221.41%$19,686VGT 100%
20172017-042.34%$18,6980.99%$19,412VGT 100%
20172017-03-0.02%$18,2710.13%$19,221BIL 100%
20172017-020.05%$18,2743.93%$19,197BIL 100%
20172017-010.04%$18,2651.79%$18,471BIL 100%
20162016-121.31%$18,2572.03%$18,147VGT 100%
20162016-110.53%$18,0213.68%$17,786VGT 100%
20162016-10-0.54%$17,926-1.73%$17,154VGT 100%
20162016-092.45%$18,0240.01%$17,457VGT 100%
20162016-082.34%$17,5920.12%$17,456VGT 100%
20162016-077.57%$17,1913.65%$17,435VGT 100%
20162016-06-2.32%$15,9810.35%$16,821VGT 100%
20162016-055.34%$16,3601.70%$16,763VGT 100%
20162016-04-4.67%$15,5300.39%$16,483VGT 100%
20162016-030.00%$16,2926.73%$16,418BIL 100%
20162016-020.00%$16,292-0.08%$15,383BIL 100%
20162016-010.02%$16,292-4.98%$15,396BIL 100%
20152015-12-2.75%$16,288-1.73%$16,203VGT 100%
20152015-111.19%$16,7490.37%$16,488VGT 100%
20152015-1010.46%$16,5538.51%$16,427VGT 100%
20152015-09-0.04%$14,986-2.55%$15,140BIL 100%
20152015-080.00%$14,992-6.09%$15,536BIL 100%
20152015-070.00%$14,9922.26%$16,545BIL 100%
20152015-06-3.93%$14,992-2.03%$16,179VGT 100%
20152015-052.49%$15,6061.29%$16,514VGT 100%
20152015-041.29%$15,2270.98%$16,305VGT 100%
20152015-03-2.46%$15,033-1.57%$16,146VGT 100%
20152015-028.33%$15,4135.62%$16,404VGT 100%
20152015-01-3.51%$14,227-2.96%$15,531VGT 100%
20142014-12-2.43%$14,745-0.25%$16,005VGT 100%
20142014-114.99%$15,1122.75%$16,046VGT 100%
20142014-101.91%$14,3942.36%$15,617VGT 100%
20142014-09-1.33%$14,124-1.38%$15,257VGT 100%
20142014-084.26%$14,3153.95%$15,471VGT 100%
20142014-070.52%$13,731-1.34%$14,883VGT 100%
20142014-063.13%$13,6602.06%$15,086VGT 100%
20142014-053.44%$13,2452.32%$14,781VGT 100%
20142014-04-0.87%$12,8050.70%$14,446VGT 100%
20142014-03-0.02%$12,9180.83%$14,346BIL 100%
20142014-020.02%$12,9204.55%$14,228BIL 100%
20142014-010.00%$12,918-3.52%$13,609BIL 100%
20132013-124.48%$12,9182.59%$14,106VGT 100%
20132013-113.56%$12,3632.96%$13,749VGT 100%
20132013-103.66%$11,9384.63%$13,354VGT 100%
20132013-09-0.02%$11,5173.16%$12,763BIL 100%
20132013-080.00%$11,519-3.00%$12,371BIL 100%
20132013-070.00%$11,5195.17%$12,754BIL 100%
20132013-06-0.02%$11,519-1.33%$12,127BIL 100%
20132013-050.02%$11,5222.36%$12,291BIL 100%
20132013-04-0.02%$11,5191.92%$12,007BIL 100%
20132013-032.66%$11,5223.80%$11,781VGT 100%
20132013-020.52%$11,2231.28%$11,350VGT 100%
20132013-012.21%$11,1655.12%$11,207VGT 100%
20122012-120.31%$10,9230.89%$10,661VGT 100%
20122012-111.59%$10,8890.57%$10,567VGT 100%
20122012-10-6.50%$10,719-1.82%$10,508VGT 100%
20122012-091.06%$11,4642.54%$10,702VGT 100%
20122012-085.12%$11,3442.51%$10,438VGT 100%
20122012-070.52%$10,7911.18%$10,183VGT 100%
20122012-062.97%$10,7354.06%$10,064VGT 100%
20122012-05-8.18%$10,425-6.01%$9,671VGT 100%
20122012-04-2.00%$11,355-0.67%$10,289VGT 100%
20122012-034.70%$11,5863.22%$10,358VGT 100%
20122012-026.98%$11,0664.34%$10,035VGT 100%
20122012-017.92%$10,3444.64%$9,618VGT 100%
20112011-12-0.97%$9,5851.04%$9,192VGT 100%
20112011-11-1.99%$9,679-0.41%$9,097VGT 100%
20112011-1012.28%$9,87610.91%$9,134VGT 100%
20112011-09-4.12%$8,796-6.94%$8,235VGT 100%
20112011-08-6.42%$9,174-5.50%$8,849VGT 100%
20112011-07-0.14%$9,803-2.00%$9,364VGT 100%
20112011-06-2.52%$9,817-1.69%$9,555VGT 100%
20112011-05-1.81%$10,071-1.12%$9,719VGT 100%
20112011-043.05%$10,2572.90%$9,829VGT 100%
20112011-030.00%$9,9530.01%$9,553BIL 100%
20112011-020.00%$9,9533.47%$9,552BIL 100%
20112011-010.00%$9,9532.33%$9,231BIL 100%
20102010-125.60%$9,9536.69%$9,021VGT 100%
20102010-11-0.95%$9,4260.00%$8,455VGT 100%
20102010-106.40%$9,5163.82%$8,455VGT 100%
20102010-0912.66%$8,9438.96%$8,144VGT 100%
20102010-08-6.92%$7,938-4.50%$7,475VGT 100%
20102010-077.20%$8,5286.83%$7,827VGT 100%
20102010-06-6.38%$7,956-5.17%$7,327VGT 100%
20102010-05-7.99%$8,498-7.95%$7,726VGT 100%
20102010-042.21%$9,2361.55%$8,393VGT 100%
20102010-036.70%$9,0366.09%$8,265VGT 100%
20102010-024.51%$8,4693.12%$7,791VGT 100%
20102010-01-8.18%$8,104-3.63%$7,555VGT 100%
20092009-126.23%$8,8261.91%$7,840VGT 100%
20092009-115.23%$8,3086.16%$7,693VGT 100%
20092009-10-1.18%$7,895-1.92%$7,247VGT 100%
20092009-094.63%$7,9893.55%$7,389VGT 100%
20092009-082.52%$7,6363.69%$7,136VGT 100%
20092009-079.25%$7,4487.46%$6,882VGT 100%
20092009-06-0.01%$6,817-0.07%$6,404BIL 100%
20092009-050.01%$6,8185.85%$6,408BIL 100%
20092009-040.06%$6,8189.93%$6,054BIL 100%
20092009-0311.59%$6,8138.33%$5,507VGT 100%
20092009-02-4.04%$6,106-10.74%$5,084VGT 100%
20092009-01-3.38%$6,363-8.21%$5,696VGT 100%
20082008-122.19%$6,5850.98%$6,205VGT 100%
20082008-11-11.64%$6,444-6.96%$6,145VGT 100%
20082008-10-17.95%$7,293-16.52%$6,605VGT 100%
20082008-090.51%$8,889-9.42%$7,911BIL 100%
20082008-080.08%$8,8441.55%$8,734BIL 100%
20082008-070.19%$8,837-0.90%$8,601BIL 100%
20082008-06-8.97%$8,820-8.36%$8,679VGT 100%
20082008-056.37%$9,6901.51%$9,471VGT 100%
20082008-047.18%$9,1094.77%$9,330VGT 100%
20082008-030.38%$8,499-0.89%$8,905VGT 100%
20082008-02-2.95%$8,468-2.58%$8,985VGT 100%
20082008-01-13.19%$8,725-6.05%$9,224VGT 100%
20072007-121.26%$10,051-1.13%$9,817VGT 100%
20072007-11-7.98%$9,925-3.87%$9,929VGT 100%
20072007-106.77%$10,7851.36%$10,329VGT 100%
20072007-090.19%$10,1023.87%$10,191BIL 100%
20072007-080.43%$10,0831.28%$9,811BIL 100%
20072007-070.40%$10,040-3.13%$9,687BIL 100%

Trade History

Signal DateEarn Date AllocationPeriod Return
2026-06-302026-08-31VGT 100%0.17%
2026-03-312026-06-30BIL 100%0.88%
2025-12-312026-03-31VGT 100%-7.34%
2025-09-302025-12-31VGT 100%1.06%
2025-06-302025-09-30BIL 100%1.06%
2025-03-312025-06-30VGT 100%22.42%
2024-12-312025-03-31BIL 100%1.00%
2024-09-302024-12-31VGT 100%6.14%
2024-06-302024-09-30BIL 100%1.34%
2024-03-312024-06-30BIL 100%1.29%
2023-12-312024-03-31VGT 100%8.59%
2023-09-302023-12-31BIL 100%1.33%
2023-06-302023-09-30BIL 100%1.29%
2023-03-312023-06-30VGT 100%14.89%
2022-12-312023-03-31VGT 100%20.93%
2022-09-302022-12-31BIL 100%0.84%
2022-06-302022-09-30BIL 100%0.44%
2022-03-312022-06-30BIL 100%0.10%
2021-12-312022-03-31BIL 100%0.02%
2021-09-302021-12-31VGT 100%14.38%
2021-06-302021-09-30VGT 100%0.85%
2021-03-312021-06-30BIL 100%-0.03%
2020-12-312021-03-31VGT 100%1.51%
2020-09-302020-12-31VGT 100%13.82%
2020-06-302020-09-30VGT 100%12.01%
2020-03-312020-06-30VGT 100%31.86%
2019-12-312020-03-31BIL 100%0.44%
2019-09-302019-12-31VGT 100%13.90%
2019-06-302019-09-30VGT 100%2.60%
2019-03-312019-06-30VGT 100%5.43%
2018-12-312019-03-31VGT 100%20.62%
2018-09-302018-12-31BIL 100%0.54%
2018-06-302018-09-30BIL 100%0.44%
2018-03-312018-06-30BIL 100%0.40%
2017-12-312018-03-31BIL 100%0.34%
2017-09-302017-12-31VGT 100%8.67%
2017-06-302017-09-30VGT 100%8.22%
2017-03-312017-06-30VGT 100%4.14%
2016-12-312017-03-31BIL 100%0.08%
2016-09-302016-12-31VGT 100%1.29%
2016-06-302016-09-30VGT 100%12.78%
2016-03-312016-06-30VGT 100%-1.91%
2015-12-312016-03-31BIL 100%0.02%
2015-09-302015-12-31VGT 100%8.69%
2015-06-302015-09-30BIL 100%-0.04%
2015-03-312015-06-30VGT 100%-0.27%
2014-12-312015-03-31VGT 100%1.95%
2014-09-302014-12-31VGT 100%4.40%
2014-06-302014-09-30VGT 100%3.40%
2014-03-312014-06-30VGT 100%5.75%
2013-12-312014-03-31BIL 100%0.00%
2013-09-302013-12-31VGT 100%12.16%
2013-06-302013-09-30BIL 100%-0.02%
2013-03-312013-06-30BIL 100%-0.02%
2012-12-312013-03-31VGT 100%5.48%
2012-09-302012-12-31VGT 100%-4.72%
2012-06-302012-09-30VGT 100%6.79%
2012-03-312012-06-30VGT 100%-7.35%
2011-12-312012-03-31VGT 100%20.87%
2011-09-302011-12-31VGT 100%8.97%
2011-06-302011-09-30VGT 100%-10.40%
2011-03-312011-06-30VGT 100%-1.37%
2010-12-312011-03-31BIL 100%0.00%
2010-09-302010-12-31VGT 100%11.30%
2010-06-302010-09-30VGT 100%12.41%
2010-03-312010-06-30VGT 100%-11.96%
2009-12-312010-03-31VGT 100%2.39%
2009-09-302009-12-31VGT 100%10.47%
2009-06-302009-09-30VGT 100%17.19%
2009-03-312009-06-30BIL 100%0.06%
2008-12-312009-03-31VGT 100%3.47%
2008-09-302008-12-31VGT 100%-25.92%
2008-06-302008-09-30BIL 100%0.78%
2008-03-312008-06-30VGT 100%3.78%
2007-12-312008-03-31VGT 100%-15.44%
2007-09-302007-12-31VGT 100%-0.51%
2007-06-302007-09-30BIL 100%1.02%