ETF Returns Matrix Analysis
Cross-tabular analysis of returns by period. Identify which months/years performed best historically
Benefits
Detailed breakdown
Table showing returns for each month/year of your ETF portfolio
Pattern identification
Discover seasonal patterns (e.g., year-end typically bullish). Learn from history
Annualized returns
Calculate TWRR annualized return for any time period
How it works
1. Load history
Index Balance fetches daily/monthly prices for your funds
2. Calculate returns
Computes returns for each month, quarter, and year using TWRR
3. View matrix
Interactive table with color coding: green (gains), red (losses)
Frequently asked questions
What is TWRR and why does it matter?
Time-Weighted Return isolates investment performance independent of contribution timing. Industry standard
Why do returns vary so much by period?
Markets are cyclical. Some years return 30%, others lose 20%. Normal volatility
Can I compare same periods across years?
Yes, matrix allows comparing "January every year" or "Q1" side-by-side automatically
How to interpret the colors?
Green = positive returns (>0%). Red = losses (<0%). Intensity = magnitude
Does the matrix include dividends?
Yes, reinvested dividends included in TWRR calculation automatically