Backtest

SCHD, JEPQ and QQQ backtest: dividends, income and growth

How would a SCHD, JEPQ and QQQ blend compare with QQQ alone in income and growth?

Equal thirds in SCHD, JEPQ and QQQ from 2022-06-01 to 2026-10-23, KRW 10 million initially, cash dividends, monthly rebalancing, and KRW reporting.

Data as of 2026-10-23

Backtest results

Backtest Period 2022.06.01 ~ 2026.10.23 · 4 yr 5 mo
Dividend reinvestment is off: dividends on shares held going into each ex-dividend date are booked as cash in the reporting currency on that date. The cash earns 0% and is not reinvested, even when contributions are made or the portfolio is rebalanced. This differs from receiving dividends on the actual payment date.
Final Balance ₩20M
Invested ₩10M
Gain +₩10M
Before taxes and trading costs
Annualized return +16.9%
2.0× in 4 yr 5 mo
6.3pp behind QQQ
Max drawdown · daily -15.4%
Peak ₩17M → low ₩14M
5 months from trough to recovery
Loss after a 1-year hold 0%
0 of 41 past windows
QQQ 0%

Cash included in total assets: ₩3M · 0% cash interest

Performance

Growth Chart

My Portfolio CAGR +16.9%
QQQ CAGR +23.1%
Money put in
Shaded: major market crises Bear Market (2022)
Drawdown (same period)
0%-15%Low -15.4% · 2025-04

Holding-period outcomes

Held for 1 year(s), it never lost money whenever you bought · worst +7.6%/yr

Held Annualized return · worst to best Losses
1 years +7.6% ~ +39.8% 0%0/41
3 years +15.5% ~ +24.6% 0%0/17
Return spread for one holding periodPick a holding period to see its spread and each start month
Worst · average · best by holding period (table)Per-year returns and share of positive periods for 1–10 year holds
Show the numbers
1 years41+7.6%+21.4%+39.8% 100%
3 years17+15.5%+20.6%+24.6% 100%

Annual & monthly returns

Up in 3 of 3 years · best 2024 +35.0% · worst 2025 +9.8%

Completed months · through 2026-09

Partial years: 2022, 2026. Each year includes only its observed months.

-20%0%20%40%60%20222023202420252026
Portfolio QQQ
Show the numbers · Completed calendar years
3/3 Positive Years
100% Win Rate
0/3 Beat Benchmark
3yr Longest Winning Streak
3yr Current Streak
±11.0% Annual Return Std Dev
Current Streak 2 mo down
Longest Gain Streak 7mo
Longest Loss Streak 3mo

Trailing returns

Up to 1 year: total return · 3 years and longer: per year As of 9/2026
1 yearstotal +16.3% +19.2% -2.9pp
3 yearsper year +19.9% +27.8% -7.9pp
Fullper year +17.6% +25.4% -7.8pp
Growth Milestones2× in 3.9 yrs
2.0× your principal ₩10M → now ₩20M
  1. 1.5× Reached 2024-07 · took 2.1 yrs
  2. 2× Reached 2026-04 · took 3.9 yrs Now back below
  3. 3× Needs another 51% gain
  4. 5× Needs another 152% gain
Purchasing power — assuming 2.5% annual inflation+14.0% a year after inflation · +16.9% before

Annualized return

Nominal +16.9%
Real (Infl.-Adj.) +14.0%

Cumulative return

Nominal +98.5%
Real (Infl.-Adj.) +78.1%

Risk & recovery

Deepest fall -15.4% (2025.04) · 204 days from peak to recovery · now 10.3% below the peak

vs QQQ

The same money in QQQ would have grown to ₩25M, ₩5M more than this portfolio

Assets & diversification

Profit contribution: QQQ +₩4M · JEPQ +₩3M · SCHD +₩3M

Scenarios

Shuffles past monthly returns into 500 possible futures

Data & export

5 years of yearly and 1,105 days of daily records · CSV download