A portfolio backtest shows how a mix of investments would have performed in the past.
PortfolioPilot charts the growth of $10,000 in the portfolio you hold today, from any start date, next to the S&P 500, the NASDAQ, a bond index, a 60/40 portfolio or another portfolio of yours. It is included in the Free plan.
This is the $10,000 backtest from the portfolio comparison page, with a hypothetical portfolio. Pick a benchmark and a time range, then hover the chart.
Interactive $10,000 backtest from the PortfolioPilot Analysis and comparison page, shown with a hypothetical demo portfolio. It charts what $10,000 invested in today's holdings would have grown to, next to a chosen benchmark (S&P 500, NASDAQ, a bond index or a 60/40 portfolio) over 1, 2 or 5 years or all available history, with a table of expected return, volatility, dividend yield and fund fees.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
A backtest applies today's weights to the past. Change how two holdings grew and see what that does to the picture.
Backtest versus actual returns calculator. Inputs: a stock's share of a two-holding portfolio ten years ago, and how much the stock and an index fund grew since. It shows the stock's share then and today, and explains that a backtest applies today's weights from day one, so it can show more or less growth than an investor who held the portfolio actually earned.
Three steps from your accounts to the answer.
It is under Improve. Your portfolio starts on one side and the S&P 500 on the other.
Pick any two: your portfolio, a single account, an asset group, a draft, or an index (S&P 500, NASDAQ, Bond Index, 60/40 Portfolio). Each index is tracked through a widely held index fund.
Choose an investment start date, or a range from 30 days to all available history. The chart shows $10,000 growing on each side.
So you know exactly what the line on the chart means.
It applies the portfolio you hold now to past prices. It does not use your past trades.
Dividends are included, so the chart shows price changes plus income.
It starts once price data covers at least 80% of the portfolio. Newer holdings join when their history begins.
The chart shows growth before taxes and trading costs. What you would have kept after paying them is lower.
To change the mix you hold today, Personalized Recommendations suggest specific trades and show how each one would change your Portfolio Score. Part of Gold.
Add your accounts or upload a statement. The $10,000 backtest is included in the Free plan.
Get startedShort answers here, with a link to the full help center article where one exists.
A calculation of how a given mix of investments would have performed over a past period. It describes the mix, not what any person earned.
No. It applies the portfolio you hold today, at today's weights, to past prices. It answers how this mix would have done, which is different from the return you earned.
Use the Comparison page to put actual portfolios, drafts, Asset Groups and indexes like the S&P 500 side by side across the platform's metrics. Read more in the Help Center →
Open Track and use the icon toggle on the heatmap card to switch to historical and expected performance. For side-by-side, use Analysis & comparison. Read more in the Help Center →
Performance uses total return, so dividends are fully counted. A fund flat on price but paying a 4% dividend still shows a 4% return. Read more in the Help Center →
Past returns do not guarantee future ones. Short histories, recent IPOs and changing conditions all mean forecasts can differ from what has happened. Read more in the Help Center →
Yes. Analysis & comparison, including the $10,000 backtest, is part of the Free plan.
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