Backtest Portfolio Asset Allocation

This portfolio backtesting tool allows you to construct one or more portfolios based on the selected mutual funds, ETFs, and stocks. You can analyze and backtest portfolio returns, risk characteristics, style exposures, and drawdowns. The results cover both returns and fund fundamentals based portfolio style analysis along with risk and return decomposition by each portfolio asset. You can compare up to three different portfolios against the selected benchmark, and you can also specify any periodic contribution or withdrawal cashflows and the preferred portfolio rebalancing strategy.

The related asset class level portfolio modeling tool allows you to analyze and compare asset class level portfolios with a longer time horizon starting from 1972.

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Portfolio Analysis Results (Jan 2007 - Aug 2021)

Portfolio Allocations

Vanguard High Dividend Yield ETF
Ticker Name Allocation
VYM Vanguard High Dividend Yield ETF 100.00%
Save portfolio »
Vanguard Total Stock Market ETF
Ticker Name Allocation
VTI Vanguard Total Stock Market ETF 100.00%
Save portfolio »

Portfolio Returns

Portfolio performance statistics
PortfolioInitial BalanceFinal BalanceCAGRStdevBest YearWorst YearMax. DrawdownSharpe RatioSortino RatioUS Mkt Correlation
Vanguard High Dividend Yield ETF$10,000$32,669 8.41% 14.80%30.08%-31.91%-51.79% 0.560.810.94
Vanguard Total Stock Market ETF$10,000$44,024 10.63% 15.84%33.45%-36.98%-50.84% 0.670.981.00
   

Trailing Returns

Trailing Returns
NameAnnualized ReturnAnnualized Volatility
3 MonthYTD1 year3 year5 year10 yearFull3 year5 year
Vanguard High Dividend Yield ETF1.42%19.16%32.46%10.74%11.57%13.22%8.41%17.89%14.56%
Vanguard Total Stock Market ETF7.24%20.56%33.44%17.90%18.00%16.21%10.63%19.25%15.51%
Trailing annualized return and volatility are for full months ending in August 2021 excluding portfolio cashflows.
Notes on results:
  • Past performance is no guarantee of future results, which may vary. All use is subject to terms of service.
  • Investing involves risk, including possible loss of principal. The value of the investments and the income derived from them may fluctuate over time.
  • All portfolio returns presented are hypothetical and backtested. Hypothetical returns do not reflect trading costs, transaction fees, or taxes.
  • The results are based on information from a variety of sources we consider reliable, but we do not represent that the information is accurate or complete.
  • The results do not constitute investment advice or recommendation, are provided solely for informational purposes, and are not an offer to buy or sell any securities.
  • The results are based on the total return of assets and assume that all received dividends and distributions are reinvested.
  • The annual results for 2021 are based on monthly returns from January to August
  • CAGR = Compound Annual Growth Rate
  • Stdev = Annualized standard deviation of monthly returns
  • Sharpe and Sortino ratios are calculated and annualized from monthly excess returns over risk free rate (3-month treasury bill)
  • Stock market correlation is based on the correlation of monthly returns
  • Drawdown analysis is calculated based on monthly returns excluding cashflows
  • The results assume annual rebalancing of portfolio assets to match the specified allocation
Annual returns for the configured portfolios
YearInflationVanguard High Dividend Yield ETFVanguard Total Stock Market ETFVanguard High Dividend Yield ETF (VYM)Vanguard Total Stock Market ETF (VTI)
ReturnBalanceReturnBalance
20074.08%1.38%$10,1385.37%$10,5371.38%5.37%
20080.09%-31.91%$6,903-36.98%$6,641-31.91%-36.98%
20092.72%17.16%$8,08828.89%$8,55917.16%28.89%
20101.50%14.22%$9,23817.42%$10,05114.22%17.42%
20112.96%10.54%$10,2120.97%$10,14810.54%0.97%
20121.74%12.69%$11,50816.45%$11,81712.69%16.45%
20131.50%30.08%$14,97033.45%$15,77130.08%33.45%
20140.76%13.52%$16,99412.54%$17,74913.52%12.54%
20150.73%0.28%$17,0410.36%$17,8130.28%0.36%
20162.07%17.05%$19,94612.83%$20,09717.05%12.83%
20172.11%16.42%$23,22121.21%$24,36116.42%21.21%
20181.91%-5.91%$21,848-5.21%$23,091-5.91%-5.21%
20192.29%24.07%$27,10730.67%$30,17324.07%30.67%
20201.36%1.14%$27,41721.03%$36,5171.14%21.03%
20215.03%19.16%$32,66920.56%$44,02419.16%20.56%
Annual return for 2021 is from 01/01/2021 to 08/31/2021
Monthly returns for the configured portfolios
YearMonthVanguard High Dividend Yield ETFVanguard Total Stock Market ETFVanguard High Dividend Yield ETF (VYM)Vanguard Total Stock Market ETF (VTI)
ReturnBalanceReturnBalance
200710.56%$10,0561.86%$10,1860.56%1.86%
20072-1.56%$9,899-1.62%$10,021-1.56%-1.62%
200731.24%$10,0221.12%$10,1331.24%1.12%
200744.23%$10,4464.02%$10,5414.23%4.02%
200753.01%$10,7613.72%$10,9333.01%3.72%
20076-2.06%$10,539-1.76%$10,741-2.06%-1.76%
20077-3.38%$10,183-3.53%$10,361-3.38%-3.53%
200781.92%$10,3791.47%$10,5141.92%1.47%
200793.57%$10,7503.85%$10,9183.57%3.85%
200710-0.31%$10,7161.79%$11,114-0.31%1.79%
200711-3.41%$10,350-4.52%$10,611-3.41%-4.52%
200712-2.05%$10,138-0.70%$10,537-2.05%-0.70%
20081-3.27%$9,807-6.17%$9,887-3.27%-6.17%
20082-4.79%$9,337-2.50%$9,641-4.79%-2.50%
200831.00%$9,431-0.90%$9,5541.00%-0.90%
200842.20%$9,6394.89%$10,0212.20%4.89%
20085-0.12%$9,6272.02%$10,223-0.12%2.02%
20086-10.32%$8,633-8.12%$9,393-10.32%-8.12%
200871.94%$8,800-0.62%$9,3341.94%-0.62%
200881.74%$8,9531.46%$9,4711.74%1.46%
20089-4.69%$8,534-9.24%$8,596-4.69%-9.24%
200810-14.85%$7,267-17.48%$7,093-14.85%-17.48%
200811-5.54%$6,864-8.01%$6,525-5.54%-8.01%
2008120.57%$6,9031.78%$6,6410.57%1.78%
20091-12.98%$6,008-8.05%$6,106-12.98%-8.05%
20092-13.65%$5,188-10.53%$5,464-13.65%-10.53%
200939.63%$5,6878.26%$5,9159.63%8.26%
2009410.26%$6,27110.99%$6,56510.26%10.99%
200955.80%$6,6345.46%$6,9245.80%5.46%
20096-0.29%$6,6150.36%$6,949-0.29%0.36%
200978.56%$7,1817.74%$7,4878.56%7.74%
200984.90%$7,5333.71%$7,7654.90%3.71%
200992.89%$7,7504.14%$8,0862.89%4.14%
200910-2.70%$7,542-2.63%$7,873-2.70%-2.63%
2009116.07%$8,0005.69%$8,3216.07%5.69%
2009121.11%$8,0882.86%$8,5591.11%2.86%
20101-3.08%$7,839-3.57%$8,254-3.08%-3.57%
201022.44%$8,0313.44%$8,5382.44%3.44%
201035.51%$8,4736.40%$9,0845.51%6.40%
201041.69%$8,6172.18%$9,2821.69%2.18%
20105-7.88%$7,938-7.88%$8,551-7.88%-7.88%
20106-4.30%$7,596-5.83%$8,052-4.30%-5.83%
201077.30%$8,1517.02%$8,6177.30%7.02%
20108-3.33%$7,879-4.71%$8,211-3.33%-4.71%
201097.40%$8,4629.45%$8,9877.40%9.45%
2010103.29%$8,7404.03%$9,3493.29%4.03%
201011-0.55%$8,6930.51%$9,397-0.55%0.51%
2010126.28%$9,2386.96%$10,0516.28%6.96%
201111.44%$9,3722.05%$10,2571.44%2.05%
201123.50%$9,7003.70%$10,6363.50%3.70%
201130.71%$9,7690.42%$10,6800.71%0.42%
201144.02%$10,1612.90%$10,9894.02%2.90%
20115-0.59%$10,101-1.06%$10,873-0.59%-1.06%
20116-1.10%$9,990-1.79%$10,678-1.10%-1.79%
20117-2.73%$9,717-2.27%$10,436-2.73%-2.27%
20118-2.83%$9,442-6.09%$9,800-2.83%-6.09%
20119-4.21%$9,045-7.57%$9,058-4.21%-7.57%
2011108.07%$9,77411.37%$10,0888.07%11.37%
2011111.26%$9,897-0.37%$10,0501.26%-0.37%
2011123.19%$10,2120.98%$10,1483.19%0.98%
201211.77%$10,3935.07%$10,6621.77%5.07%
201223.15%$10,7204.22%$11,1123.15%4.22%
201232.71%$11,0113.06%$11,4522.71%3.06%
20124-0.02%$11,008-0.64%$11,380-0.02%-0.64%
20125-4.66%$10,495-6.23%$10,671-4.66%-6.23%
201264.98%$11,0184.05%$11,1044.98%4.05%
201272.14%$11,2540.88%$11,2012.14%0.88%
201280.77%$11,3412.70%$11,5040.77%2.70%
201292.56%$11,6322.49%$11,7902.56%2.49%
201210-0.99%$11,516-1.81%$11,577-0.99%-1.81%
201211-0.34%$11,4770.77%$11,667-0.34%0.77%
2012120.27%$11,5081.29%$11,8170.27%1.29%
201315.65%$12,1585.42%$12,4585.65%5.42%
201322.07%$12,4101.28%$12,6172.07%1.28%
201333.61%$12,8583.95%$13,1153.61%3.95%
201343.01%$13,2461.61%$13,3263.01%1.61%
201350.73%$13,3422.44%$13,6510.73%2.44%
20136-0.13%$13,325-1.43%$13,456-0.13%-1.43%
201374.47%$13,9205.75%$14,2294.47%5.75%
20138-3.91%$13,377-3.03%$13,798-3.91%-3.03%
201392.35%$13,6913.90%$14,3362.35%3.90%
2013104.75%$14,3414.27%$14,9484.75%4.27%
2013112.31%$14,6722.70%$15,3512.31%2.70%
2013122.03%$14,9702.73%$15,7712.03%2.73%
20141-4.00%$14,372-3.17%$15,271-4.00%-3.17%
201423.61%$14,8914.87%$16,0143.61%4.87%
201432.48%$15,2600.51%$16,0952.48%0.51%
201442.11%$15,5820.06%$16,1052.11%0.06%
201451.58%$15,8282.10%$16,4441.58%2.10%
201462.02%$16,1482.62%$16,8752.02%2.62%
20147-1.67%$15,878-1.99%$16,539-1.67%-1.99%
201483.76%$16,4754.15%$17,2253.76%4.15%
20149-1.16%$16,283-2.10%$16,863-1.16%-2.10%
2014102.47%$16,6852.75%$17,3262.47%2.75%
2014113.03%$17,1902.48%$17,7563.03%2.48%
201412-1.14%$16,994-0.04%$17,749-1.14%-0.04%
20151-2.88%$16,505-2.74%$17,263-2.88%-2.74%
201524.90%$17,3135.74%$18,2554.90%5.74%
20153-1.83%$16,996-1.16%$18,044-1.83%-1.16%
201541.70%$17,2850.62%$18,1551.70%0.62%
201550.37%$17,3491.30%$18,3900.37%1.30%
20156-2.65%$16,889-1.67%$18,082-2.65%-1.67%
201571.05%$17,0671.70%$18,3901.05%1.70%
20158-5.66%$16,101-6.09%$17,270-5.66%-6.09%
20159-1.56%$15,850-2.92%$16,765-1.56%-2.92%
2015108.41%$17,1847.91%$18,0918.41%7.91%
2015110.22%$17,2220.60%$18,2000.22%0.60%
201512-1.05%$17,041-2.13%$17,813-1.05%-2.13%
20161-2.82%$16,561-5.72%$16,793-2.82%-5.72%
201620.51%$16,646-0.01%$16,7910.51%-0.01%
201636.64%$17,7507.11%$17,9866.64%7.11%
201640.72%$17,8790.66%$18,1040.72%0.66%
201651.39%$18,1281.73%$18,4181.39%1.73%
201662.18%$18,5230.27%$18,4682.18%0.27%
201672.35%$18,9583.98%$19,2032.35%3.98%
20168-0.30%$18,9010.21%$19,242-0.30%0.21%
20169-0.40%$18,8260.21%$19,282-0.40%0.21%
201610-1.28%$18,586-2.19%$18,859-1.28%-2.19%
2016114.23%$19,3724.49%$19,7064.23%4.49%
2016122.97%$19,9461.98%$20,0972.97%1.98%
20171-0.04%$19,9391.86%$20,470-0.04%1.86%
201723.58%$20,6523.69%$21,2273.58%3.69%
20173-0.30%$20,5890.06%$21,238-0.30%0.06%
20174-0.08%$20,5731.06%$21,464-0.08%1.06%
201750.36%$20,6471.01%$21,6810.36%1.01%
201761.13%$20,8820.95%$21,8871.13%0.95%
201771.61%$21,2181.88%$22,2981.61%1.88%
20178-0.18%$21,1810.15%$22,332-0.18%0.15%
201793.02%$21,8202.44%$22,8773.02%2.44%
2017101.74%$22,2002.17%$23,3731.74%2.17%
2017113.07%$22,8813.03%$24,0813.07%3.03%
2017121.49%$23,2211.16%$24,3611.49%1.16%
201814.11%$24,1755.23%$25,6354.11%5.23%
20182-4.72%$23,034-3.76%$24,671-4.72%-3.76%
20183-2.17%$22,534-1.95%$24,189-2.17%-1.95%
201840.13%$22,5640.45%$24,2980.13%0.45%
201851.60%$22,9252.72%$24,9591.60%2.72%
20186-0.29%$22,8580.70%$25,135-0.29%0.70%
201874.09%$23,7933.32%$25,9694.09%3.32%
201881.11%$24,0583.43%$26,8601.11%3.43%
201890.40%$24,1550.20%$26,9130.40%0.20%
201810-4.40%$23,092-7.41%$24,918-4.40%-7.41%
2018113.56%$23,9132.01%$25,4203.56%2.01%
201812-8.64%$21,848-9.16%$23,091-8.64%-9.16%
201916.10%$23,1818.54%$25,0636.10%8.54%
201923.77%$24,0553.56%$25,9553.77%3.56%
201930.53%$24,1811.42%$26,3230.53%1.42%
201942.84%$24,8673.93%$27,3562.84%3.93%
20195-6.31%$23,298-6.45%$25,591-6.31%-6.45%
201966.65%$24,8467.08%$27,4036.65%7.08%
201970.72%$25,0251.41%$27,7900.72%1.41%
20198-2.10%$24,499-2.08%$27,211-2.10%-2.08%
201993.90%$25,4551.78%$27,6953.90%1.78%
2019101.05%$25,7222.11%$28,2791.05%2.11%
2019112.34%$26,3243.79%$29,3502.34%3.79%
2019122.97%$27,1072.80%$30,1732.97%2.80%
20201-2.51%$26,427-0.06%$30,154-2.51%-0.06%
20202-9.70%$23,865-8.00%$27,742-9.70%-8.00%
20203-13.64%$20,608-13.91%$23,883-13.64%-13.91%
2020410.26%$22,72313.13%$27,02010.26%13.13%
202052.83%$23,3675.40%$28,4782.83%5.40%
20206-0.76%$23,1892.29%$29,131-0.76%2.29%
202073.07%$23,9015.74%$30,8043.07%5.74%
202083.19%$24,6637.10%$32,9933.19%7.10%
20209-2.56%$24,031-3.54%$31,823-2.56%-3.54%
202010-1.72%$23,618-1.95%$31,203-1.72%-1.95%
20201112.26%$26,51411.80%$34,88612.26%11.80%
2020123.41%$27,4174.68%$36,5173.41%4.68%
20211-0.57%$27,261-0.33%$36,395-0.57%-0.33%
202124.57%$28,5073.14%$37,5384.57%3.14%
202136.94%$30,4863.65%$38,9066.94%3.65%
202142.55%$31,2645.04%$40,8662.55%5.04%
202153.03%$32,2110.46%$41,0523.03%0.46%
20216-1.20%$31,8252.48%$42,070-1.20%2.48%
202170.55%$32,0011.74%$42,8010.55%1.74%
202182.09%$32,6692.86%$44,0242.09%2.86%

Returns Based Style Analysis

Returns Based Style Analysis
Style CategoryVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
Large-cap Value88.39%34.74%
Large-cap Growth2.54%47.15%
Mid-cap Value0.00%3.17%
Mid-cap Growth0.00%6.73%
Small-cap Value0.00%4.02%
Small-cap Growth0.00%3.26%
Global ex-US Developed Markets0.00%0.26%
Emerging Markets0.00%0.65%
Corporate Bonds0.00%0.00%
Long-Term Treasuries9.06%0.00%
Intermediate-Term Treasuries0.01%0.00%
Short-Term Treasuries0.00%0.00%
R Squared96.23%99.85%
Style analysis is based on monthly returns from January 2007 to August 2021 and uses total portfolio return with monthly rebalancing. Returns based style analysis aims to explain the portfolio returns based on asset class exposures, it does not identify the actual portfolio holdings.

Holdings Based Style Analysis for Vanguard High Dividend Yield ETF

Holdings Based Style Analysis for Vanguard High Dividend Yield ETF
TickerNameCategoryWeightYieldFeesP/EReturn ContributionRisk Contribution
VYMVanguard High Dividend Yield ETFLarge Value100.00%2.72%0.06%18.46$22,669100.00%

Asset Allocation

Equity Market Capitalization

Equity Sectors

Holdings Based Style Analysis for Vanguard Total Stock Market ETF

Holdings Based Style Analysis for Vanguard Total Stock Market ETF
TickerNameCategoryWeightYieldFeesP/EReturn ContributionRisk Contribution
VTIVanguard Total Stock Market ETFLarge Blend100.00%1.20%0.03%24.25$34,024100.00%

Asset Allocation

Equity Market Capitalization

Equity Sectors

Fund fundamentals data as of 09/27/2021. (c) 2021 Morningstar. All Rights Reserved. The fund fundamentals information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

Portfolio return and risk metrics
MetricVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
Arithmetic Mean (monthly)0.77%0.95%
Arithmetic Mean (annualized)9.61%12.03%
Geometric Mean (monthly)0.67%0.85%
Geometric Mean (annualized)8.41%10.63%
Volatility (monthly)4.27%4.57%
Volatility (annualized)14.80%15.84%
Downside Deviation (monthly)2.95%3.08%
Max. Drawdown-51.79%-50.84%
US Market Correlation0.941.00
Beta(*)0.881.00
Alpha (annualized)-0.76%0.11%
R289.12%99.94%
Sharpe Ratio0.560.67
Sortino Ratio0.810.98
Treynor Ratio (%)9.5110.60
Calmar Ratio0.450.86
Active Return-2.12%0.11%
Tracking Error5.23%0.40%
Information Ratio-0.400.28
Skewness-0.82-0.69
Excess Kurtosis2.321.77
Historical Value-at-Risk (5%)-5.82%-7.91%
Analytical Value-at-Risk (5%)-6.26%-6.57%
Conditional Value-at-Risk (5%)-10.88%-10.28%
Upside Capture Ratio (%)84.64100.45
Downside Capture Ratio (%)90.40100.02
Safe Withdrawal Rate8.41%8.77%
Perpetual Withdrawal Rate6.09%8.07%
Positive Periods110 out of 176 (62.50%)120 out of 176 (68.18%)
Gain/Loss Ratio0.970.80
* US stock market is used as the benchmark for calculations. Value-at-risk metrics are based on monthly values.

Drawdowns for Historical Market Stress Periods

Drawdowns for Historical Market Stress Periods
Stress PeriodStartEndVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
Subprime CrisisNov 2007Mar 2009-51.59%-50.84%
COVID-19 StartJan 2020Mar 2020-23.98%-20.84%

Drawdowns for Vanguard High Dividend Yield ETF

Drawdowns for Vanguard High Dividend Yield ETF (worst 10)
RankStartEndLengthRecovery ByRecovery TimeUnderwater PeriodDrawdown
1Jun 2007Feb 20091 year 9 monthsMar 20123 years 1 month4 years 10 months-51.79%
2Jan 2020Mar 20203 monthsDec 20209 months1 year-23.98%
3Feb 2018Dec 201811 monthsMar 20193 months1 year 2 months-9.63%
4Jun 2015Sep 20154 monthsMar 20166 months10 months-8.64%
5May 2019May 20191 monthJul 20192 months3 months-6.31%
6Apr 2012May 20122 monthsJun 20121 month3 months-4.68%
7Jan 2014Jan 20141 monthMar 20142 months3 months-4.00%
8Dec 2014Jan 20152 monthsFeb 20151 month3 months-3.99%
9Aug 2013Aug 20131 monthOct 20132 months3 months-3.91%
10Aug 2019Aug 20191 monthSep 20191 month2 months-2.10%
Worst 10 drawdowns included above

Drawdowns for Vanguard Total Stock Market ETF

Drawdowns for Vanguard Total Stock Market ETF (worst 10)
RankStartEndLengthRecovery ByRecovery TimeUnderwater PeriodDrawdown
1Nov 2007Feb 20091 year 4 monthsMar 20123 years 1 month4 years 5 months-50.84%
2Jan 2020Mar 20203 monthsJul 20204 months7 months-20.84%
3Oct 2018Dec 20183 monthsApr 20194 months7 months-14.20%
4Jun 2015Sep 20154 monthsMay 20168 months1 year-8.84%
5Apr 2012May 20122 monthsAug 20123 months5 months-6.82%
6May 2019May 20191 monthJun 20191 month2 months-6.45%
7Feb 2018Mar 20182 monthsJul 20184 months6 months-5.64%
8Sep 2020Oct 20202 monthsNov 20201 month3 months-5.42%
9Jun 2007Jul 20072 monthsOct 20073 months5 months-5.23%
10Jan 2014Jan 20141 monthFeb 20141 month2 months-3.17%
Worst 10 drawdowns included above

Portfolio Assets

Performance statistics for portfolio components
TickerNameCAGRStdevBest YearWorst YearMax. DrawdownSharpe RatioSortino RatioUS Mkt Correlation
VYMVanguard High Dividend Yield ETF8.41%14.80%30.08%-31.91%-51.79%0.560.810.94
VTIVanguard Total Stock Market ETF10.63%15.84%33.45%-36.98%-50.84%0.670.981.00

Monthly Correlations

Correlations for the portfolio assets
TickerNameVYMVTIVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
VYMVanguard High Dividend Yield ETF1.000.941.000.94
VTIVanguard Total Stock Market ETF0.941.000.941.00

Portfolio Return Decomposition

Portfolio return decomposition
TickerNameVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
VYMVanguard High Dividend Yield ETF$22,669
VTIVanguard Total Stock Market ETF$34,024

Portfolio Risk Decomposition

Portfolio risk decomposition
TickerNameVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
VYMVanguard High Dividend Yield ETF100.00%
VTIVanguard Total Stock Market ETF100.00%

Annual Asset Returns

Rolling returns summary
Roll PeriodVanguard High Dividend Yield ETFVanguard Total Stock Market ETF
AverageHighLowAverageHighLow
1 year9.13%54.80%-44.44%11.39%62.90%-43.33%
3 years10.10%27.37%-10.34%11.48%26.70%-9.16%
5 years11.08%23.48%-0.50%12.07%23.99%-0.48%
7 years11.29%18.12%5.23%12.24%17.40%5.96%
10 years10.89%16.58%6.73%11.91%16.86%7.09%