25-Year 7Twelve^® Performance

7Twelve portfolio performance from 2000 to 2024 is shown below. Note that numbers in red indicate negative returns.

Year (Negative returns shown in Red	Index-Based 7Twelve Benchmark	Active 7Twelve Model	Passive ETF 7Twelve Model	Vanguard Balanced Index (VBIAX)
2000	5.42	11.21	5.42	–2.03
2001	–2.09	2.98	–1.94	–2.98
2002	–0.56	2.18	–0.64	–9.45
2003	27.10	28.82	26.95	20.02
2004	17.96	19.79	17.80	9.37
2005	12.49	12.91	12.34	4.79
2006	15.26	15.98	14.96	11.06
2007	12.32	13.78	11.58	6.31
2008	–25.49	–28.14	–25.16	–22.12
2009	25.64	32.36	25.64	20.11
2010	14.41	14.52	14.41	13.29
2011	‐0.77	‐6.31	‐1.00	4.29
2012	10.77	12.42	10.64	11.49
2013	10.46	11.33	9.65	18.10
2014	1.49	0.05	2.50	9.99
2015	–6.06	–6.96	–5.07	0.51
2016	11.51	9.19	10.14	8.77
2017	11.99	13.67	11.97	13.89
2018	–7.54	–7.64	–5.89	–2.86
2019	16.57	16.16	15.89	21.80
2020	5.27	13.82	5.78	16.40
2021	16.85	5.28	6.48	14.23
2022	–7.71	–18.60	–14.02	–16.90
2023	9.26	11.86	8.10	17.58
2024	6.15	9.27	9.12	14.59
25-Year Annualized Return (%)	6.58	6.72	5.98	6.57
25-Year Growth of $10,000	$49,240	$50,774	$42,762	$49,059
25-Year Standard Deviation of Annual Returns (%)	11.56	13.44	11.51	11.47
Annual % Expense Ratio in January 2025	––	0.58	0.27	0.07
Ending Balance of Retirement Portfolio After 25 Annual Withdrawals $250,000 starting balance, 5% initial withdrawal, 3% COLA in years 2-25. Total 25-year withdrawal = $455,741.	$298,446	$424,969	$242,599	$15,340

Performance assumes equally weighting each sub-asset and annual rebalancing. Taxes and inflation were not taken into account.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE PERFORMANCE.

Average annualized return is a geometric mean, not an arithmetic mean.

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	What Is 7Twelve?
	7Twelve Model
	7Twelve Performance
	The Rationale
	Historical Performance

Popular Documents

	"An Introduction to 7Twelve" Read Article or view Slide Show
	Purchase 7Twelve Portfolio Reports
	Monthly 7Twelve Performance Updates
	"Benchmarking: The Art of the Science," AAII Journal
	"The $12 Portfolio"
	"Three Essential Points for All Investors"
	"Keeping Portfolio Costs Low"
	7Twelve Partners
	7Twelve Portfolio Library
	7Twelve Presentation at the University of Missouri
	Go, Portfolio. Go!
	"Building a Better Nest Egg," Christopher M. Wright, Real Estate Investment Today, May/June 2011.

25-Year 7Twelve® Performance

25-Year 7Twelve^® Performance