| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | HQY | SPY | Δ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 · ytd | −6.5% | −10.7% | +9.3% | −1.8% | +7.3% | +2.6% | +11.8% | — | — | — | — | — | +10.2% | +9.3% | +0.9pp |
| 2025 | +15.1% | −0.6% | −19.5% | −3.0% | +17.4% | +4.1% | −7.4% | −7.9% | +6.1% | −0.2% | +11.2% | −12.9% | −4.5% | +17.7% | −22.2pp |
| 2024 | +14.0% | +9.3% | −1.2% | −3.3% | +3.5% | +5.5% | −9.0% | +1.4% | +2.9% | +4.2% | +19.1% | −5.5% | +44.7% | +24.9% | +19.8pp |
| 2023 | −1.3% | +7.1% | −9.9% | −9.0% | +2.5% | +15.2% | +7.6% | −0.6% | +8.1% | −1.9% | −6.5% | −1.1% | +7.6% | +26.2% | −18.6pp |
| 2022 | +20.8% | +0.5% | +25.6% | −7.6% | +0.4% | −1.9% | −5.2% | +13.6% | +1.6% | +16.0% | −18.5% | −2.9% | +39.3% | −18.2% | +57.5pp |
| 2021 | +19.9% | −1.4% | −17.4% | +11.7% | +9.4% | −3.2% | −8.1% | −13.3% | +0.9% | +2.2% | −17.4% | −19.1% | −36.5% | +28.7% | −65.3pp |
| 2020 | −10.8% | +7.5% | −28.7% | +11.2% | +10.1% | −5.3% | −12.1% | +11.5% | −10.6% | +0.2% | +39.2% | −2.8% | −5.9% | +18.3% | −24.2pp |
| 2019 | +4.5% | +29.1% | −8.1% | −8.4% | −3.5% | +0.1% | +25.4% | −27.6% | −3.7% | −0.6% | +10.7% | +17.8% | +24.2% | +31.2% | −7.0pp |
| 2018 | +8.5% | +13.7% | +5.1% | +8.5% | +13.2% | +1.1% | +0.5% | +24.8% | +0.2% | −2.8% | −3.4% | −32.7% | +27.8% | −4.6% | +32.4pp |
| 2017 | +14.1% | −5.5% | −2.9% | +7.2% | +0.6% | +8.8% | −7.9% | −6.8% | +18.3% | −0.7% | +3.3% | −10.0% | +15.2% | +21.7% | −6.6pp |
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. HQY 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.
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Years ⓘ | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
| Positive ⓘ | 58% | 50% | 42% | 50% | 92% | 75% | 42% | 50% | 75% | 50% | 67% | 17% |
| Median | +6.5% | −0.0% | −2.0% | +0.1% | +3.1% | +3.4% | −4.0% | +0.4% | +1.3% | +0.0% | +7.0% | −7.3% |
| Best | +20.8% | +29.1% | +25.6% | +11.7% | +17.4% | +20.9% | +25.4% | +24.8% | +18.3% | +16.0% | +39.2% | +17.8% |
| Worst | −18.4% | −10.7% | −28.7% | −9.0% | −3.5% | −5.3% | −12.1% | −27.6% | −10.6% | −12.2% | −18.5% | −32.7% |
| vs SPY ⓘ | −0.3pp | +2.1pp | −3.7pp | +0.9pp | +2.0pp | +2.8pp | −8.1pp | +0.0pp | +2.9pp | +1.2pp | +3.8pp | −8.7pp |
144 monthly observations across 2014–2026, benchmark SPY. The highlighted column is the current calendar month. Months are calendar months, not rolling 30-day windows.
