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A sample account, start to finish.

This sample account follows a real account's day-by-day returns (one of ours), started at $145,000. The holdings and trades are made up. All of it runs through the same maths that runs on yours. Scroll to see what you would get.

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Overview

Where the account stands and how it compares with the S&P 500 (SPY), from Dec 27, 2024 to Oct 2, 2026.

Account value
$292,547
as of Oct 2, 2026
Return
+101.8%
time-weighted, deposits kept out
SPY over the same time
+31.9%
S&P 500 (SPY)
Money made
+$147,547.32
after deposits and withdrawals

How the account compares

The accountS&P 500 (SPY)

Performance

Two fair ways to measure growth, and every month laid out with the losing ones included.

Time-weighted return
+101.8%
Modified Dietz
+101.8%
Sharpe ratio
1.09

Month by month

Monthly time-weighted returns by year
YearJanFebMarAprMayJunJulAugSepOctNovDecYear
2024···········−2.0%−2.0%
2025−6.6%+4.2%−15.9%+3.3%+19.8%+12.7%+3.4%+5.3%+9.9%+5.8%+0.3%+2.0%+47.9%
2026+2.8%−4.0%+1.1%+17.8%+3.5%−7.2%+8.8%+9.4%+1.8%+1.8%··+39.2%

Risk

What it took to get the return: how bumpy the ride was, how far it fell, and how the account's link to the market changed.

Sortino ratio
1.62
counts only the down days
Information ratio
1.05
against the SPY
Calmar ratio
1.19
yearly return per unit of worst fall
Worst fall
40.9%
Jan '25 to Apr '25

How the market exposure changed

Beta against the S&P 500 (SPY) over each trailing year. Above 1, the account moved more than the market.

Skill check

The question most trackers skip: is the gap between you and the market bigger than luck would explain?

Skill check against S&P 500 (SPY)

Ahead, but not yet proven

You are ahead of the benchmark, but by an amount luck could easily produce over about 21 months (t = 1.12, p = 0.26). If the same pattern held, roughly 3.8 more years of data would make it clear.

Chance your edge is real
40%
If the same edge holds for 5 years
62%
What this means
Alpha (yearly)
+19.2%
Beta
1.88
t-stat
1.12
p-value
0.26

Trade review

Every position opened and closed, set against the prices around it. A record of what happened, never advice.

Result of closed trades
+$20,476.57
112 trades
Win rate
75%
83 won, 28 lost
Profit factor
1.59
dollars won for each dollar lost

In hindsight

Shares

Did selling pay off?
Cost you $27,073
52 of the 69 stocks you sold kept rising over the 30 days after you sold. Holding on 30 more days: +$57,662, of which $30,589 is the market's rise, given how much each stock moves with SPY.
See the trades behind it
  • META · sold Jul 27, 2026Held 30 more days: +$18,645 · market's part: +$5,288−$13,356
  • TSLA · sold May 27, 2025Held 30 more days: +$7,507 · market's part: +$2,404−$5,103
  • TSLA · sold Aug 11, 2025Held 30 more days: +$7,496 · market's part: +$2,438−$5,058
  • META · sold Apr 22, 2025Held 30 more days: +$11,240 · market's part: +$6,898−$4,343
  • AMZN · sold Nov 14, 2025Held 30 more days: +$1,311 · market's part: +$168−$1,144
  • TSLA · sold May 18, 2026Held 30 more days: −$5,015 · market's part: +$436+$5,451
  • AMZN · sold Jul 14, 2025Held 30 more days: −$1,521 · market's part: +$988+$2,510
  • AMZN · sold May 5, 2025Held 30 more days: +$247 · market's part: +$1,057+$810
Did you give back gains?
Gave back $34,878
Your 72 share trades that were ever in profit were up $66,989 at their best and finished at +$32,111. 3 of them were up 5% or more and still ended in a loss.
See the trades behind it
  • META · Apr 1, 2025 to Apr 22, 2025Up $0 at its best, finished −$5,574−$5,574
  • TSLA · Aug 12, 2026 to Sep 8, 2026Up $5,818 at its best, finished +$920−$4,898
  • TSLA · Apr 16, 2026 to May 18, 2026Up $6,121 at its best, finished +$2,234−$3,888
  • PLTR · Aug 10, 2026 to Sep 14, 2026Up $737 at its best, finished −$2,507−$3,244
  • PLTR · Mar 7, 2025 to Apr 4, 2025Up $71 at its best, finished −$1,637−$1,708
Did your picks beat the market?
$11,177 ahead
The same money in SPY over the same days would have made +$7,262; your share trades made +$18,440.
Did your big bets do better?
+0.8% vs +5.3%
Your 18 biggest share trades ($8,348 or more put in) made +0.8% on the money put in, +$4,811 in all. The other 57 made +5.3%, +$13,629.

Options

Did options beat shares?
Cost you $5,485
Your options made +$2,037. The same bets made with shares would have made +$7,522.
  • Calls and puts you bought, vs shares−$388
  • Puts you sold, vs shares−$1,081
  • Calls you sold on shares you held, vs shares−$4,016
How much premium did you keep?
5% kept
of the $10,224 you collected selling options. None of the contracts you sold was assigned.
Did closing early pay off?
Saved you $4,620
Across 26 options you closed before expiry, next to holding each to its expiry day.

Each figure is your result minus the alternative, so green always means you did better.

By strategy

StrategyShare of tradesWin rateAverage tradeAverage days heldProfit factorResultBeyond luck?
Shares bought
67% · 75
75%+$245.86301.71+$18,439.57Beat the index
Puts sold
15% · 17
94%+$266.881714.38+$4,537.00Could be luck
Covered calls
11% · 12
67%−$334.67160.45−$4,016.00Could be luck
Calls bought
5% · 6
33%+$187.33212.37+$1,124.00Too few to tell
Puts bought
2% · 2
100%+$196.007–+$392.00Too few to tell

Holdings

What is held, how spread out it is, and what the options could ask of the account.

  • Stocks59.9%
  • Options19.3%
  • ETFs12.1%
  • Cash8.7%
Largest position
47.6%
NVDA with its options, of the money invested
Top 5 positions
94%
of the money invested, options with their stock
Spread like
3.4 equal positions
6 companies and funds

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A sample account: a real account's daily returns from a $145,000 start, with made-up holdings and trades. Past results describe what happened and say nothing about what any account will do.