Mount Inflection The investor’s comparison · 2012–2025
Compare MI’s research with 32 funds across eleven providers: broad stock portfolios, active managers, dividends, sectors, global allocations, bonds and gold. The primary view compares 24 ordinary funds; eight daily leveraged funds have their own view. Look at the growth, the losses, the costs and the work involved.
01 / Same completed years
Fourteen full calendar years. Fund dividends and distributions reinvested. No 2026 YTD mixed into the comparison.
A daily multiplier, not a multiplied annual return
Apply the leading funds’ daily multipliers to the selected Pro backtest. Each choice loads funds with that daily target; you can change the fund selection below.
Every day, multiply Pro’s net return by 2 or 3, then subtract interest on the extra borrowing. Compound the resulting daily returns. Interest includes weekends and holidays. Pro’s existing modeled trading costs and internal financing are already in its net return and are scaled too.
The selected rate applies to Pro’s added borrowing only. Fund curves keep their actual historical embedded costs; their financing is not repriced. This is not a comparison at identical financing costs, total exposure or risk.
Additional rebalancing slippage, margin calls, short availability, intraday liquidation and capacity constraints are not modeled. The curves exclude subscriptions and taxes. This is arithmetic on a retrospectively selected backtest, not an available MI leveraged fund or a forecast.
Download the four Pro simulation curves ↓ · Review the strategy evidence →This is a curated comparison of familiar alternatives and deliberate challengers, not a ranking of every fund or a comparison at equal risk. SPY and VOO track the same index; bonds, gold and balanced funds have different portfolio roles. MI’s actual sector weights and overlapping holdings still need a consolidated analysis.
Fund expenses are embedded in fund returns. MI’s specified model costs are included; subscription charges and investor taxes are excluded. A log scale gives equal vertical space to equal percentage gains. Read the comparison method.
Filter by approach, search by provider or ticker, and sort by the measure that matters to you. Free and Pro remain visible as research references.
| Investment / record | Annualized | $10,000 became | Max. decline | Median year | Worst year | Best year | Current expense |
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“Max. decline” is the largest drop from an earlier high, including losses inside a calendar year. Fund lines are historical total-return reconstructions; MI lines are backtests. Current fund expense ratios are shown for context and already embedded in fund return histories.
02 / Every year counts
Every completed year appears below. The cards follow the funds selected in the chart, with the same selection used for all fourteen years. The download includes every fund.
CSV returns, declines and expense ratios use decimal fractions: 0.10 means 10%. Pro 2× / 3× scenario statistics and annual returns ↓
03 / Cost and commitment
A fixed subscription costs a larger share of a small account. Compare that with a fund’s ongoing expense ratio and the time you would spend following the strategy.
Current monthly price × 12, divided by the amount above. This shows today’s annual cost burden; it is not a fee-adjusted backtest or a forecast of the return needed each year.
Current expenses for your chart selection. Choose different funds ↑
Current expense ratios, not a reconstruction of historical fees. Fund expenses are charged within each fund and already reflected in the return history. Do not subtract them a second time. Brokerage and platform charges can vary. T. Rowe Price lists a conditional $20 annual account fee, with exceptions; that fee is excluded here. Share-class minimums also depend on the purchase platform.
This illustration starts with the amount entered above and follows the historical returns. It deducts today’s MI monthly price from the simulated account after the last trading session of every month: 168 payments over 2012–2025. Prices are held constant for the illustration; this is not MI’s historical billing record.
Fund expenses remain embedded. No extra fund charge is subtracted. All cases exclude personal taxes, contributions and additional implementation costs. This arithmetic illustrates the effect of a fixed fee on these historical paths; it is not a forecast, customer outcome or proof that the research could have been executed as shown.
The set spans broad stock ETFs, active stock managers, dividend and sector strategies, global and balanced portfolios, bonds and gold. Choose the exposure that fits the question you are asking. A bond fund and a technology fund should not be judged on return alone.
Buying a fund does not require following a newsletter’s individual entry, exit and sizing decisions.
04 / What the evidence can support
The strategies were developed and selected with knowledge of this history. The stock universe includes selected surviving securities. This is not an untouched test or a verified record of subscriber accounts.
Subscription fees, investor taxes and all real-world execution frictions are not captured. These research curves are not a record of subscriber returns.
These funds existed before the comparison starts. Their total returns include reinvested distributions and embedded fund expenses. ETF comparisons use split-adjusted market closing prices with distributions reinvested; mutual-fund results use NAV with distributions reinvested. Actual investor outcomes depend on purchase prices, taxes and account costs.
The original 24 funds were chosen for familiar approaches and provider breadth. Eight daily leveraged funds are shown separately; their higher raw returns do not establish superior performance at equal leverage. It is not an exhaustive screen. The main chart requires full comparison history. The linked research note also evaluates shorter fixed windows; recent launches are not given synthetic earlier returns. Past leaders may not remain leaders.
Baseline: December 30, 2011, the last trading day of 2011. End: December 31, 2025. Annualized return is (ending value ÷ starting value)1/14 − 1. Every calendar year includes its first trading session. All returns are nominal USD, before personal taxes. This window excludes the 2008 financial crisis; the drawdowns shown are not a full-lifetime stress test.
Drawdown is the decline from the highest previous daily closing value. Volatility uses the standard deviation of daily returns × √252. Recovery is measured in calendar days from a prior peak until the first closing value back at that peak. Open drawdowns at the end of the period remain identified in the downloadable statistics.
Pro combines an adaptive stock allocation with a smaller long/short component and stock reviews spread across ten schedules.
Benchmark downloads were checked against issuer-published annual returns. Data validation, source links and adjustment details are available with the record.
Start with the process
Read a published review. Look at the explanations, the decisions and the work involved before deciding whether a subscription is useful to you.
Pro is $20 per month. The subscription provides a daily research newsletter; the backtest does not establish returns a subscriber would receive. MI does not place trades for subscribers.