Simplify Opportunistic Income ETF (CRDT) Performance
CRDT total return
Distributions reinvested · as of Oct 23, 2026- YTD
- −6.9% since Dec 31, 2025
- 1 year
- −6.1% total return
- 3 years
- +0.6% a year
- Since first price
- +0.7% a year since 2023
CRDT trailing returns vs SPY, QQQ, AGG
| Period | CRDT total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −4.1% | −4.5% | −1.0% | −5.0% | +0.9% |
| 3 months | −7.7% | −9.0% | +3.2% | +1.9% | −0.4% |
| 6 months | −7.8% | −10.2% | +7.8% | +8.4% | −1.5% |
| YTD | −6.9% | −10.6% | +12.3% | +15.1% | −1.0% |
| 1 year | −6.1% | −11.3% | +14.4% | +15.9% | −1.1% |
| 3 years | +1.7%+0.6%/yr | −16.6% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| Since inceptionJun 27, 2023 | +2.3%+0.7%/yr | −16.8% | — | — | — |
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: CRDT vs SPY
From Jun 27, 2023: CRDT grew to $10,226, SPY to $18,131.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
CRDT returns by calendar year
1 of 2 full years positive. Best 2024 (+5.2%), worst 2025 (−0.7%). 2026 is year to date.
CRDT annual returns table
| Year | CRDT | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | −6.9% | −15.6% | +12.3% | +15.1% | −1.0% |
| 2025 | −0.7% | −6.6% | +17.7% | +20.8% | +7.2% |
| 2024 | +5.2% | −2.9% | +24.9% | +25.6% | +1.3% |
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.
CRDT largest drawdowns
Now 12.3% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Aug 13, 2026 | −15.6% | Oct 14, 2026 | not yet | 2 months | 2 months so far |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
CRDT risk statistics
| Statistic | 3 years | Since 2023 |
|---|---|---|
| Annualized return | −0.0% | +0.7% |
| Volatility (annualized) | 7.9% | 7.6% |
| Sharpe ratio | -0.52 | -0.46 |
| Sortino ratio | -0.59 | -0.52 |
| Best month | +3.2% | +3.2% |
| Worst month | −9.4% | −9.4% |
| Best 12 months | +10.6% | +10.6% |
| Worst 12 months | −6.9% | −6.9% |
| Positive months | 58% | 62% |
| Beta vs S&P 500 | 0.22 | — |
| Correlation with S&P 500 | 0.34 | — |
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.
CRDT rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 29 | −6.9% | +3.6% | +10.6% | 76% |
| 3-year (a year) | 5 | −0.0% | +3.4% | +4.5% | 80% |
Every holding period starting at a month-end since 2023. Returns for 3 years and longer are annualized.
CRDT performance overview
Simplify Opportunistic Income ETF (CRDT) returned −6.1% over the past year, with distributions reinvested. Since its first recorded price in 2023 it has returned +0.7% a year, turning $10,000 into about $10,226. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −15.6%, from Aug 13, 2026 to Oct 14, 2026; the fund has not yet regained that high. Volatility has been 7.6% a year.
Related: CRDT chart, CRDT dividends. See the CRDT overview for the latest quote and fund facts.
CRDT performance FAQ
What is the CRDT return over the past year?
CRDT returned −6.1% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it fell 11.3%.
How much would $10,000 invested in CRDT be worth?
$10,000 invested in CRDT at its first recorded close on June 27, 2023 would be worth about $10,226 on October 23, 2026 with distributions reinvested.
What was the worst year for CRDT?
The worst calendar year was 2025, with a total return of −0.7%. The best was 2024 at +5.2%.
What is the biggest drawdown of CRDT?
The largest peak-to-trough decline was −15.6% between August 13, 2026 and October 14, 2026. It has not yet recovered to that high; it is 12.3% below its peak.
How volatile is CRDT?
Over the past 3 years CRDT had an annualized volatility of 7.9% and a Sharpe ratio of -0.52 (excess return over 1–3 month T-bills per unit of risk).