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25-Year 7Twelve® Performance

7Twelve portfolio performance from 2001 to 2025 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
2001 –2.09 2.98 –1.94
2002 –0.56 2.18 –0.64
2003 27.10 28.82 26.95
2004 17.96 19.79 17.80
2005 12.49 12.91 12.34
2006 15.26 15.98 14.96
2007 12.32 13.78 11.58
2008 –25.49 –28.14 –25.16
2009 25.64 32.36 25.64
2010 14.41 14.52 14.41
2011 ‐0.77 ‐6.31 ‐1.00
2012 10.77 12.42 10.64
2013 10.46 11.33 9.65
2014 1.49 0.05 2.50
2015 –6.06 –6.96 –5.07
2016 11.51 9.19 10.14
2017 11.99 13.67 11.97
2018 –7.54 –7.64 –5.89
2019 16.57 16.16 15.89
2020 5.27 13.82 5.78
2021 16.85 5.28 6.48
2022 –7.71 –18.60 –14.02
2023 9.26 11.86 8.10
2024 6.15 9.27 9.12
2025 13.11 15.28 11.17
25-Year Annualized Return (%) 6.88 6.87 6.21
25-Year Growth of $10,000 $52,831 $52,631 $45,097
25-Year Standard Deviation of Annual Returns (%) 11.61 13.51 11.55
Annual % Expense Ratio in January 2026 –– 0.47 0.19
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.		 $335,386 $409,209 $264,692
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.
    
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
Asset Allocation Risk and Return Spectrum
"Benchmarking: The Art of the Science," AAII Journal
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.
This website presents portfolio research and analysis. This website is neither investment advice nor an investment solicitation.
Implementation of the 7Twelve Model is no guarantee of performance.
(c) 2008-2026 Craig L. Israelsen
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