Return Score
Takeaway
The portfolio led in the rising-market years shown but lagged in the falling-market years. The historical upside and downturn behaviour differed.
Market backdrop · 2022 was the benchmark's weakest complete calendar year shown. The portfolio lost more than S&P 500 by 12.3 percentage points that year; the whole-period return therefore does not describe its downturn behaviour.
- Portfolio Return — the portfolio’s return versus the selected benchmark.
- Sector & Stock Return — how the portfolio’s stocks performed against their matching sector benchmarks.
- Return Concentration — whether return across the portfolio is well balanced or driven by a small number of holdings.
Insights · Portfolio Return
How to read this view
Each pair of bars compares the portfolio’s return with S&P 500 for that calendar year. YTD and partial years cover only their recorded dates; they are not complete-year results.
| What to examine | ||||||
|---|---|---|---|---|---|---|
| Repeated Annual UnderperformersPortfolio return11 holdings | These holdings trailed the benchmark by at least 1% in two or more complete years with recorded stock evidence. Recorded evidenceAAPL · 2022 return: -26.4% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 AAPL · 2025 return: +9.1% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 MSFT · 2022 return: -28.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 MSFT · 2024 return: +12.9% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 MSFT · 2025 return: +15.6% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 AMZN · 2022 return: -49.6% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 AMZN · 2025 return: +5.2% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 META · 2022 return: -64.2% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 META · 2025 return: +13.1% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 TSLA · 2022 return: -65.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 TSLA · 2025 return: +11.4% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 V · 2024 return: +22.3% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 V · 2025 return: +11.8% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 UNH · 2023 return: +0.8% · Benchmark +26.2% · 30 Dec 2022 – 29 Dec 2023 UNH · 2024 return: -2.4% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 UNH · 2025 return: -33.1% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 JNJ · 2023 return: -8.6% · Benchmark +26.2% · 30 Dec 2022 – 29 Dec 2023 JNJ · 2024 return: -4.8% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 KO · 2023 return: -4.4% · Benchmark +26.2% · 30 Dec 2022 – 29 Dec 2023 KO · 2024 return: +8.9% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 KO · 2025 return: +15.6% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 XOM · 2023 return: -6.3% · Benchmark +26.2% · 30 Dec 2022 – 29 Dec 2023 XOM · 2024 return: +11.3% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 XOM · 2025 return: +16.0% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 PG · 2023 return: -0.9% · Benchmark +26.2% · 30 Dec 2022 – 29 Dec 2023 PG · 2024 return: +17.3% · Benchmark +24.9% · 29 Dec 2023 – 31 Dec 2024 PG · 2025 return: -12.3% · Benchmark +17.7% · 31 Dec 2024 – 31 Dec 2025 Next Compare the named years with the full-period result and current weights. These are stock comparisons, not an attribution of annual portfolio returns. | |||||
| Technology | +127.2% | -26.7% | +47.9% | 23.0% | ||
| Technology | +72.1% | -81.8% | -7.2% | 18.0% | ||
| Consumer Cyclical | +48.6% | +33.3% | -30.8% | 8.0% | ||
| Communication Services | +126.9% | +81.3% | +47.6% | 6.0% | ||
| Consumer Cyclical | +3.3% | -12.0% | -76.1% | 5.0% | ||
| Healthcare | -8.7% | -49.2% | -88.0% | 3.0% | ||
| Financial Services | +62.5% | +17.4% | -16.9% | 3.0% | ||
| Healthcare | +87.5% | +47.0% | +8.2% | 2.0% | ||
| Consumer Defensive | +85.4% | +54.3% | +6.1% | 2.0% | ||
| Consumer Defensive | +19.0% | -12.1% | -60.3% | 2.0% | ||
| Energy | +198.7% | +49.1% | +119.4% | 2.0% | ||
| Trailing in the Weakest Market YearPortfolio return7 holdings · 2 shown here | These holdings trailed the benchmark by at least 1% in 2022, its weakest complete year shown. Also applies to AAPL, MSFT, AMZN, META, TSLA in earlier groups. Recorded evidenceAAPL · 2022 return: -26.4% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 MSFT · 2022 return: -28.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 NVDA · 2022 return: -50.2% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 AMZN · 2022 return: -49.6% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 GOOGL · 2022 return: -39.1% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 META · 2022 return: -64.2% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 TSLA · 2022 return: -65.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 Next Compare the named years with the full-period result and current weights. These are stock comparisons, not an attribution of annual portfolio returns. | |||||
| Technology | +885.7% | +731.8% | +806.4% | 12.0% | ||
| Communication Services | +150.4% | +104.8% | +71.0% | 8.0% | ||
| Outperformers in Falling-Market YearsPortfolio return7 holdings · 1 shown here | These holdings beat the benchmark by at least 1% in a complete year when the benchmark fell; a smaller loss is still an outperformance. Also applies to UNH, V, JNJ, KO, PG, XOM in earlier groups. Recorded evidenceJPM · 2022 return: -12.6% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 V · 2022 return: -3.4% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 UNH · 2022 return: +6.9% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 JNJ · 2022 return: +6.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 KO · 2022 return: +10.6% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 XOM · 2022 return: +87.4% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 PG · 2022 return: -5.0% · Benchmark -18.2% · 31 Dec 2021 – 30 Dec 2022 Next Compare the named years with the full-period result and current weights. These are stock comparisons, not an attribution of annual portfolio returns. | |||||
| Financial Services | +120.8% | +75.7% | +41.4% | 4.0% | ||