Monthly returns for the configured portfoliosYearMonthSample PortfolioSPDR S&P 500 ETFVanguard Total Stock Market ETF (VTI)Vanguard Real Estate ETF (VNQ)Vanguard Total International Stock ETF (VXUS)Vanguard Total Bond Market ETF (BND)ReturnBalanceReturnBalance202554.04%$33,4816.28%$59,6626.25%1.12%4.82%-0.67%202540.26%$32,181-0.87%$56,134-0.73%-2.44%2.83%0.40%20253-2.88%$32,096-5.57%$56,625-5.85%-2.58%0.38%0.01%202520.25%$33,047-1.27%$59,967-1.89%3.70%1.85%2.16%202512.52%$32,9632.69%$60,7383.03%1.65%3.38%0.60%202412-3.18%$32,154-2.41%$59,149-3.04%-8.38%-2.87%-1.68%2024113.89%$33,2115.96%$60,6106.70%4.26%-0.23%1.07%202410-2.15%$31,967-0.89%$57,199-0.75%-3.36%-4.46%-2.46%202492.13%$32,6682.10%$57,7142.03%3.27%2.60%1.31%202482.31%$31,9862.34%$56,5262.13%5.22%2.41%1.45%202472.58%$31,2661.21%$55,2361.89%7.94%2.62%2.36%202461.65%$30,4783.53%$54,5753.08%1.87%-0.79%0.88%202453.98%$29,9835.06%$52,7154.76%4.56%4.02%1.68%20244-3.77%$28,836-4.03%$50,177-4.34%-7.94%-2.32%-2.41%202432.69%$29,9653.27%$52,2853.26%1.96%3.23%0.85%202423.15%$29,1795.22%$50,6285.30%1.98%2.91%-1.36%20241-0.31%$28,2891.59%$48,1171.12%-5.06%-1.71%-0.16%2023125.23%$28,3774.57%$47,3635.29%9.43%5.09%3.55%2023118.41%$26,9679.13%$45,2949.42%12.08%8.24%4.54%202310-2.68%$24,876-2.17%$41,503-2.65%-3.62%-3.36%-1.52%20239-4.23%$25,559-4.74%$42,424-4.80%-7.27%-3.40%-2.48%20238-2.40%$26,687-1.63%$44,535-1.93%-3.38%-4.39%-0.66%202372.90%$27,3443.27%$45,2713.66%2.03%3.89%-0.12%202364.76%$26,5746.48%$43,8366.73%5.62%4.45%-0.22%20235-1.18%$25,3670.46%$41,1680.43%-3.96%-3.50%-1.16%202341.12%$25,6691.60%$40,9781.08%0.31%1.88%0.59%202332.34%$25,3853.71%$40,3342.71%-2.18%2.84%2.68%20232-3.19%$24,805-2.51%$38,890-2.40%-5.86%-4.27%-2.67%202316.90%$25,6246.29%$39,8936.93%10.40%8.68%3.31%202212-3.86%$23,969-5.76%$37,533-5.85%-5.03%-2.14%-0.81%2022116.71%$24,9325.56%$39,8265.17%6.15%13.04%3.67%2022104.61%$23,3638.13%$37,7298.11%3.51%3.41%-1.16%20229-8.59%$22,333-9.24%$34,893-9.22%-12.86%-9.91%-4.18%20228-3.89%$24,431-4.08%$38,446-3.73%-6.01%-4.49%-2.80%202276.39%$25,4209.21%$40,0819.35%8.62%3.64%2.38%20226-6.74%$23,895-8.25%$36,701-8.23%-7.46%-7.96%-1.66%202250.03%$25,6210.23%$40,000-0.25%-4.69%1.52%0.83%20224-7.07%$25,612-8.78%$39,910-9.13%-4.09%-6.49%-3.97%202231.38%$27,5613.76%$43,7503.26%6.27%-0.28%-2.75%20222-2.37%$27,186-2.95%$42,166-2.49%-3.48%-2.85%-1.14%20221-4.67%$27,847-5.27%$43,449-6.06%-8.42%-2.83%-2.06%2021123.54%$29,2134.63%$45,8683.79%9.69%3.58%-0.46%202111-1.87%$28,215-0.80%$43,839-1.46%-2.11%-4.26%0.20%2021104.66%$28,7547.02%$44,1946.69%7.13%2.88%0.07%20219-3.74%$27,473-4.66%$41,297-4.46%-5.68%-3.45%-1.01%202181.93%$28,5412.98%$43,3142.86%2.15%1.46%-0.19%202171.19%$28,0002.44%$42,0621.74%4.42%-1.13%1.17%202161.53%$27,6712.25%$41,0602.48%2.64%-0.34%0.90%202151.05%$27,2550.66%$40,1570.46%0.81%3.07%0.15%202143.96%$26,9705.29%$39,8955.04%7.86%2.78%0.87%202132.39%$25,9444.54%$37,8913.65%5.15%1.87%-1.27%202122.03%$25,3372.78%$36,2453.14%3.43%2.30%-1.55%20211-0.27%$24,833-1.02%$35,264-0.33%0.04%0.25%-0.86%2020123.89%$24,9003.71%$35,6274.68%2.72%5.86%-0.01%2020119.59%$23,96710.88%$34,35411.80%9.67%12.62%1.21%202010-1.81%$21,870-2.49%$30,984-1.95%-3.00%-2.30%-0.56%20209-2.39%$22,273-3.74%$31,776-3.54%-2.68%-1.82%-0.10%202084.30%$22,8196.98%$33,0107.10%0.44%4.43%-0.94%202074.28%$21,8795.89%$30,8575.74%3.64%4.15%1.45%202062.36%$20,9801.78%$29,1412.29%2.41%4.24%0.67%202053.94%$20,4964.76%$28,6325.40%1.73%5.01%0.67%202049.05%$19,71912.70%$27,33013.13%8.96%7.60%2.76%20203-12.14%$18,083-12.46%$24,251-13.91%-19.42%-16.26%-1.43%20202-5.62%$20,581-7.92%$27,704-8.00%-7.03%-6.60%1.67%20201-0.35%$21,806-0.04%$30,085-0.06%1.23%-3.39%1.98%2019122.48%$21,8822.90%$30,0972.80%0.76%4.38%-0.07%2019111.99%$21,3533.62%$29,2483.79%-1.30%0.99%-0.04%2019101.99%$20,9372.21%$28,2272.11%1.13%3.43%0.31%201991.56%$20,5291.95%$27,6161.78%1.93%2.73%-0.57%20198-0.72%$20,214-1.67%$27,088-2.08%3.75%-2.17%2.77%201970.40%$20,3601.51%$27,5501.41%1.70%-1.99%0.15%201965.18%$20,2796.96%$27,1397.08%1.54%5.77%1.25%20195-4.17%$19,281-6.38%$25,373-6.45%0.14%-5.42%1.83%201942.57%$20,1204.09%$27,1023.93%-0.16%2.77%-0.02%201931.59%$19,6151.81%$26,0381.42%4.21%0.77%1.94%201922.17%$19,3083.24%$25,5763.56%0.70%1.63%-0.09%201917.11%$18,8998.01%$24,7738.54%11.85%7.67%1.11%201812-5.97%$17,644-8.79%$22,936-9.16%-7.96%-4.93%1.87%2018111.88%$18,7641.85%$25,1482.01%4.67%1.68%0.64%201810-6.08%$18,418-6.91%$24,690-7.41%-2.93%-8.56%-0.86%20189-0.17%$19,6110.59%$26,5230.20%-2.64%0.21%-0.55%201881.49%$19,6443.19%$26,3663.43%2.58%-2.40%0.67%201872.27%$19,3563.70%$25,5503.32%0.60%2.55%-0.04%201860.15%$18,9270.58%$24,6370.70%4.20%-2.14%-0.04%201851.33%$18,8972.43%$24,4962.72%3.68%-1.64%0.68%201840.22%$18,6490.52%$23,9150.45%0.82%0.46%-0.85%20183-0.64%$18,608-2.74%$23,792-1.95%3.88%-0.38%0.69%20182-3.89%$18,728-3.64%$24,463-3.76%-7.68%-5.24%-1.04%201813.30%$19,4875.64%$25,3865.23%-4.25%5.72%-1.24%2017121.19%$18,8651.21%$24,0311.16%-0.14%2.07%0.54%2017111.81%$18,6433.06%$23,7443.03%2.66%0.63%-0.11%2017101.49%$18,3112.36%$23,0402.17%-1.07%2.03%-0.03%201791.56%$18,0412.01%$22,5102.44%-0.11%1.88%-0.47%201780.35%$17,7640.29%$22,0650.15%-0.26%0.54%0.86%201771.93%$17,7022.06%$22,0011.88%1.24%3.37%0.40%201760.79%$17,3660.64%$21,5580.95%2.23%0.63%0.05%201751.31%$17,2301.41%$21,4211.01%-0.72%2.96%0.71%201741.19%$17,0070.99%$21,1231.06%0.24%2.05%0.79%201730.55%$16,8060.13%$20,9160.06%-2.42%3.00%-0.04%201722.50%$16,7143.93%$20,8893.69%3.51%1.34%0.62%201711.89%$16,3061.79%$20,1001.86%-0.19%4.08%0.19%2016121.88%$16,0042.03%$19,7461.98%4.82%1.96%0.33%2016111.04%$15,7083.68%$19,3544.49%-1.68%-2.01%-2.57%201610-2.17%$15,547-1.73%$18,666-2.19%-5.74%-1.91%-0.94%201690.37%$15,8920.01%$18,9950.21%-1.82%1.70%0.11%20168-0.19%$15,8340.12%$18,9940.21%-3.76%0.45%-0.31%201673.44%$15,8643.65%$18,9713.98%4.26%4.52%0.60%201660.90%$15,3360.35%$18,3040.27%6.92%-0.90%2.02%201650.77%$15,2001.70%$18,2401.73%2.25%-0.98%-0.01%201640.71%$15,0830.39%$17,9350.66%-2.35%2.16%0.41%201636.33%$14,9776.72%$17,8647.11%10.48%8.33%0.88%20162-0.44%$14,084-0.08%$16,739-0.01%-0.36%-2.46%0.85%20161-4.09%$14,146-4.98%$16,753-5.72%-3.44%-5.45%1.20%201512-1.43%$14,750-1.72%$17,630-2.13%1.82%-2.17%-0.18%201511-0.15%$14,9640.37%$17,9390.60%-0.63%-1.32%-0.39%2015105.68%$14,9878.51%$17,8737.91%5.76%6.25%0.03%20159-1.92%$14,181-2.54%$16,472-2.92%3.05%-3.85%0.81%20158-5.29%$14,459-6.10%$16,902-6.09%-6.29%-7.43%-0.25%201571.28%$15,2672.26%$17,9991.70%5.77%-0.56%0.88%20156-2.06%$15,074-2.03%$17,601-1.67%-4.68%-2.73%-1.11%201550.26%$15,3911.29%$17,9661.30%-0.30%-0.91%-0.50%201540.93%$15,3500.98%$17,7380.62%-5.85%4.81%-0.32%20153-0.67%$15,209-1.57%$17,565-1.16%1.74%-1.49%0.55%201523.50%$15,3135.62%$17,8465.74%-3.67%5.78%-1.31%20151-0.22%$14,795-2.96%$16,897-2.74%6.85%0.27%2.40%201412-0.68%$14,828-0.26%$17,412-0.04%1.88%-3.87%0.06%2014111.45%$14,9292.75%$17,4572.48%2.00%-0.51%0.83%2014102.33%$14,7152.36%$16,9902.75%9.94%-0.08%0.72%20149-2.83%$14,381-1.38%$16,599-2.10%-6.04%-5.01%-0.57%201482.75%$14,8003.95%$16,8324.15%3.04%1.16%1.14%20147-1.42%$14,403-1.34%$16,193-1.99%0.08%-1.73%-0.28%201461.82%$14,6102.06%$16,4132.62%1.13%1.89%0.08%201451.88%$14,3502.32%$16,0812.10%2.40%1.93%1.05%201440.77%$14,0850.70%$15,7170.06%3.29%1.26%0.80%201430.37%$13,9770.83%$15,6080.51%0.49%0.49%-0.17%201424.14%$13,9274.55%$15,4794.87%5.07%5.59%0.47%20141-2.17%$13,373-3.52%$14,805-3.17%4.28%-5.40%1.55%2013121.70%$13,6692.59%$15,3462.73%0.10%1.52%-0.63%2013111.01%$13,4402.96%$14,9592.71%-5.25%0.13%-0.29%2013103.55%$13,3064.63%$14,5284.26%4.52%3.67%0.86%201394.18%$12,8513.17%$13,8853.90%3.49%7.51%1.11%20138-2.71%$12,335-3.00%$13,459-3.03%-6.98%-1.95%-0.86%201374.12%$12,6785.17%$13,8755.75%0.90%4.62%0.38%20136-2.00%$12,176-1.34%$13,193-1.43%-1.98%-3.57%-1.65%20135-0.42%$12,4242.36%$13,3722.44%-5.98%-3.30%-1.93%201342.35%$12,4771.92%$13,0641.61%6.73%3.50%1.02%201332.41%$12,1903.80%$12,8173.95%2.87%0.93%0.08%201320.56%$11,9031.28%$12,3481.28%1.22%-1.14%0.54%201313.34%$11,8375.12%$12,1935.42%3.74%2.40%-0.69%2012122.08%$11,4550.90%$11,5991.29%3.72%4.88%-0.18%2012110.90%$11,2210.57%$11,4960.77%-0.26%2.06%0.27%201210-0.80%$11,121-1.82%$11,431-1.81%-0.91%0.81%-0.10%201291.90%$11,2112.54%$11,6432.49%-1.86%3.41%0.18%201281.95%$11,0022.51%$11,3552.70%-0.01%2.60%0.16%201270.91%$10,7911.18%$11,0770.88%2.00%0.31%1.23%201263.82%$10,6944.05%$10,9484.05%5.52%5.97%0.07%20125-5.86%$10,300-6.01%$10,522-6.23%-4.51%-10.83%0.93%20124-0.39%$10,941-0.67%$11,194-0.64%2.86%-2.07%1.10%201231.66%$10,9843.22%$11,2693.06%5.19%-0.55%-0.51%201223.06%$10,8044.34%$10,9184.22%-1.15%4.56%0.04%201214.83%$10,4834.64%$10,4645.07%6.38%7.33%0.63%, This portfolio backtesting tool allows you to construct one or more portfolios based on the selected mutual funds, ETFs, and stocks. You can analyze and backtest portfolio returns, risk characteristics, style exposures, and drawdowns., There are many ways to figure out what your portfolio will be worth in 10 years, but under any model you could always take losses. The questions are how much risk you can accept, how you will mitigate that risk, and how you will manage potential losses..