ACLC (ACLC) Performance
ACLC total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +9.2% since Dec 31, 2025
- 1 year
- +10.4% total return
- 5 years
- +9.0% a year
- Since first price
- +13.6% a year since 2020
ACLC trailing returns vs SPY, QQQ, AGG
| Period | ACLC total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −0.5% | −0.5% | −1.0% | −5.0% | +0.9% |
| 3 months | +2.6% | +2.5% | +3.2% | +1.9% | −0.4% |
| 6 months | +5.9% | +5.6% | +7.8% | +8.4% | −1.5% |
| YTD | +9.2% | +8.7% | +12.3% | +15.1% | −1.0% |
| 1 year | +10.4% | +9.8% | +14.4% | +15.9% | −1.1% |
| 3 years | +66.6%+18.6%/yr | +62.8% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +54.2%+9.0%/yr | +47.4% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| Since inceptionJul 15, 2020 | +122.8%+13.6%/yr | +110.9% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: ACLC vs SPY
From Jul 15, 2020: ACLC grew to $22,285, SPY to $25,704.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
ACLC returns by calendar year
4 of 5 full years positive. Best 2021 (+29.0%), worst 2022 (−19.4%). 2026 is year to date.
ACLC annual returns table
| Year | ACLC | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +9.2% | −10.3% | +12.3% | +15.1% | −1.0% |
| 2025 | +11.8% | −20.5% | +17.7% | +20.8% | +7.2% |
| 2024 | +20.0% | −9.2% | +24.9% | +25.6% | +1.3% |
| 2023 | +24.7% | −10.1% | +26.2% | +54.9% | +5.7% |
| 2022 | −19.4% | −26.3% | −18.2% | −32.6% | −13.0% |
| 2021 | +29.0% | −5.4% | +28.7% | +27.4% | −1.8% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
ACLC largest drawdowns
Now 2.7% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Dec 29, 2021 | −26.4% | Sep 30, 2022 | Dec 26, 2023 | 9 months | 2.0 years |
| Jan 23, 2025 | −20.5% | Apr 8, 2025 | Jul 3, 2025 | 2 months | 5 months |
| Jan 9, 2026 | −10.3% | Mar 30, 2026 | Apr 17, 2026 | 3 months | 3 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
ACLC risk statistics
| Statistic | 3 years | 5 years | Since 2020 |
|---|---|---|---|
| Annualized return | +18.0% | +10.5% | +13.7% |
| Volatility (annualized) | 13.1% | 16.2% | 16.0% |
| Sharpe ratio | 1.01 | 0.48 | 0.70 |
| Sortino ratio | 1.85 | 0.74 | 1.15 |
| Best month | +10.9% | +10.9% | +11.2% |
| Worst month | −6.7% | −9.5% | −9.5% |
| Best 12 months | +33.4% | +33.4% | +44.6% |
| Worst 12 months | +0.3% | −19.4% | −19.4% |
| Positive months | 67% | 60% | 62% |
| Beta vs S&P 500 | 1.04 | 1.03 | — |
| Correlation with S&P 500 | 0.99 | 0.99 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
ACLC rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 64 | −19.4% | +13.8% | +44.6% | 81% |
| 3-year (a year) | 40 | +6.3% | +11.1% | +21.5% | 100% |
| 5-year (a year) | 16 | +8.7% | +11.2% | +15.0% | 100% |
Every holding period starting at a month-end since 2020. Returns for 3 years and longer are annualized.
ACLC performance overview
ACLC (ACLC) returned +10.4% over the past year and +9.0% a year over five years, with distributions reinvested. Since its first recorded price in 2020 it has returned +13.6% a year, turning $10,000 into about $22,285. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −26.4%, from Dec 29, 2021 to Sep 30, 2022, and it took 1.2 years to get back to the old high. ACLC finished 4 of its 5 full calendar years with a gain; the best year was 2021 (+29.0%) and the worst 2022 (−19.4%). Volatility has been 16.0% a year.
Related: ACLC chart, ACLC holdings, ACLC dividends, ACLC valuation. See the ACLC overview for the latest quote and fund facts.
ACLC performance FAQ
What is the ACLC return over the past year?
ACLC returned +10.4% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 9.8%.
What is the average annual return of ACLC?
ACLC has returned +9.0% a year over 5 years, +13.6% a year since July 15, 2020 (total return, distributions reinvested).
How much would $10,000 invested in ACLC be worth?
$10,000 invested in ACLC at its first recorded close on July 15, 2020 would be worth about $22,285 on October 23, 2026 with distributions reinvested.
What was the worst year for ACLC?
The worst calendar year was 2022, with a total return of −19.4%. The best was 2021 at +29.0%.
What is the biggest drawdown of ACLC?
The largest peak-to-trough decline was −26.4% between December 29, 2021 and September 30, 2022. It recovered to the old high on December 26, 2023, 1.2 years after the bottom.
How volatile is ACLC?
Over the past 3 years ACLC had an annualized volatility of 13.1% and a Sharpe ratio of 1.01 (excess return over 1–3 month T-bills per unit of risk).