For students and curious investors
Ask a portfolio question. See what the evidence can show.
SumWorth is a research workbench for students and curious investors. Compare a portfolio idea with available history, record the assumptions, and keep source, coverage, and limitations beside the result.
Try research — no account needed
Guest research stays in this browser. Export or share work you want to keep; an account can save portfolios and reports.
About the data
This public portfolio example uses provider-reported daily adjusted-close history. The VTI and BND annual return totals are independently compared with Vanguard's published 2022–2024 annual fund returns; this corroborates annual return scale, not every daily price. Historical results describe only the period shown; they are not forecasts or investment advice.
Provider data can be unavailable or revised; the provider itself is not independently audited.
Example
Classic 60/40 portfolio
This example uses Yahoo Finance daily adjusted-close history for VTI 60% / BND 40%; yearly rebalance; starting amount USD 100,000. No benchmark comparison is included. Complete selected window: 753 shared observations from 753 observations for each fund; 100.0% of 753 expected US equity sessions from 2022-01-03 through 2024-12-31. Annual return totals are checked against Vanguard's published fund tables; the comparison is not a daily independent price series.
- Total return · complete coverage: 753 of 753 expected sessions
- 12.40%
- Annualized return
- 3.99%
- Largest observed fall
- -21.28%
- Ending value
- USD 112,396.36
Yahoo Finance Chart API, retrieved 2026-10-24 · latest price date in the selected result 2024-12-31 · requested and observed common dates 2022-01-03–2024-12-31. Sources: Yahoo Finance VTI history and Yahoo Finance BND history. Yahoo reports USD for both; no currency conversion is applied. The selected price series are daily adjusted closes; no adjusted-close values were missing and no raw-close fallback was used.
Full assumptions and data notes
Each fund supplied 753 adjusted-close observations on the same dates; all 753 expected US equity sessions in this selected window are present. Annual fee overlay 0 bps; separate expense deduction 0%; inflation adjustment 0%; contributions and withdrawals 0 / 0; cash allocation and yield 0% / 0%; rebalance trading cost 0 bps. These overlays remain zero because dated historical rates were not sourced; zero does not mean the funds had no expenses. Adjusted prices may already reflect fund-level costs. This result is not inflation-adjusted. Common observations are aligned; no forward filling is applied.
Independent annual aggregate check against Vanguard VTI and Vanguard BND published annual total returns (USD; 2022–2024). Yahoo adjusted-close vs Vanguard published returns: 2022 VTI -19.523% / -19.51%, BND -13.112% / -13.12%; 2023 VTI 26.047% / 26.11%, BND 5.654% / 5.70%; 2024 VTI 23.810% / 23.71%, BND 1.383% / 1.36%. Differences up to 0.101 percentage point are disclosed; annual aggregate data do not provide a daily like-for-like price series.
What these terms mean
Annualized return is the average yearly rate over this observed period, expressed as a compound rate. Largest observed fall is the biggest peak-to-trough decline in this history, not a limit on future losses. Shared observations are dates when both holdings had usable prices; the window percentage uses expected trading sessions as a separate denominator.
A result is a chain of custody.
- Start with observed history. Check what was supplied, its source, date, price basis, and common coverage.
- Separate modeled overlays. Keep rebalancing, stress, resampling, and diagnostics distinct from observations.
- Check the boundary. Label forecasts and possible paths as model output, with uncertainty and limitations visible.
Research tools · 19 destinations
Find a tool for your task.
Browse by task or search by name. Access requirements are shown on each tool.
01 · Market context
- Market news — Guest.
- Macro series.
02 · Plan and test a portfolio
- Backtest lab — Guest.
- Retirement.
- Allocations — Guest.
- Monte Carlo — Guest.
- Correlation — Guest.
03 · Risk and data
- Portfolio health — Account.
- Risk & exposure — Guest.
- Data trust — Guest.
04 · Examples and saved work
- Famous portfolios — Guest.
- Saved portfolios — Account.
- Research reports — Account.
05 · Models and scenarios
- Stock forecast — Guest.
- 3D quant lab — Guest.
- Options.
- DCF scenarios.
- Scenario studio — Guest.
06 · Reference
Learning library
Learn how the tools work.
Search one learning library for quick explainers, research concepts, practical guides, and applied strategy profiles.
Search the learning library — Guest