| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | EBC | SPY | Δ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 · ytd | +11.2% | −4.5% | +0.7% | +3.4% | −2.5% | +13.6% | +3.6% | — | — | — | — | — | +26.8% | +7.5% | +19.3pp |
| 2025 | +6.4% | −3.2% | −7.1% | −9.0% | +0.5% | +2.7% | +1.2% | +10.7% | +6.9% | −3.4% | +7.4% | −1.4% | +10.1% | +17.7% | −7.6pp |
| 2024 | −1.7% | −6.7% | +6.7% | −8.9% | +8.2% | +3.7% | +19.0% | +2.0% | −2.8% | −0.4% | +14.1% | −6.9% | +25.1% | +24.9% | +0.3pp |
| 2023 | −6.3% | −3.0% | −19.0% | −7.7% | −6.9% | +14.1% | +15.1% | −4.0% | −6.8% | −12.2% | +9.6% | +18.7% | −15.0% | +26.2% | −41.2pp |
| 2022 | +5.6% | +2.7% | −1.0% | −11.0% | +1.6% | −4.7% | +10.5% | −4.9% | +1.8% | −2.4% | +2.3% | −11.6% | −12.7% | −18.2% | +5.4pp |
| 2021 · part | — | — | +9.9% | +10.6% | +5.0% | −7.8% | −11.3% | +8.4% | +3.1% | +2.3% | −3.1% | +0.6% | +16.3% | +28.7% | −12.4pp |
A month’s return is its month-end close over the prior month-end’s, so a year’s figure is exactly the product of its twelve monthly cells — no separate annualisation, no resampling. A blank cell means no return exists for that month (the series had not started, or it is the very first month-end, which has nothing to be measured against). Blank is never zero.
Basis. EBC is on the total return (splits + dividends) basis, SPY on the total return (splits + dividends) basis. Both columns are on the same basis, so the Δ column is a like-for-like difference.
Partial years. A year marked “ytd” or “part” does not cover the full calendar year: either the stored history starts inside it (the figure is measured from the first month-end present) or the data stops before December (the figure runs through the last stored close). The row’s own tooltip names the exact boundary. It is never dressed up as a calendar-year return.
End of day. These are stored end-of-day closes, and the window is anchored on the LAST stored bar rather than today’s date — so the newest row ends where the data ends. Nothing here is intraday.
