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Portfolio vs index: would your picks beat the market?

Enter up to 5 stocks or ETFs and see how an equal-weight portfolio of them performed against a market index like the S&P 500 or the S&P/TSX 60. Dividends included, rebased to 100 so the lines are directly comparable. No login, no sign-up, nothing stored.

Daily prices from Yahoo Finance · Simulation only, not investment advice
Yahoo Finance format: Canadian listings end in .TO (RY.TO, XEQT.TO); US listings are the bare symbol (AAPL, VTI).

Educational simulation, not investment advice. It assumes an equal amount in each ticker at the start of the period with no rebalancing, contributions or fees. Dividends are included through adjusted closing prices. Mixed Canadian and US tickers are compared in their own trading currencies, without the CAD/USD exchange rate. Past performance doesn't predict future returns.

How it works

Equal weight, dividends in, everything rebased to 100

The tool splits a hypothetical investment equally across your tickers on the first trading day of the period and holds it, with no rebalancing. Each series uses daily adjusted closes from Yahoo Finance, which fold dividends back in, and both lines are rebased to 100 at the same starting date. That makes the comparison a total-return one: if the portfolio line ends at 118 and the index line at 111, your picks beat the index by 7 percentage points over the period. It's the same rebased-comparison approach as the Performance page inside Mozaic, where it runs on your real holdings, contributions and currencies instead of a simulation.

This is a simulation. Mozaic runs the real thing on your actual brokerage accounts: performance vs index, dividends, contributions and multi-currency handled automatically.

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Portfolio vs index questions

How does this portfolio vs index comparison work?
The tool builds a hypothetical portfolio that puts an equal amount into each ticker you enter at the start of the period, then holds it with no rebalancing. Both the portfolio and the index are rebased to 100 at the first common trading date, so the chart shows relative growth: a line at 115 means up 15% over the period.
Which index should I compare my portfolio to?
Pick the index closest to what you would otherwise buy. The S&P 500 is the most common yardstick for US-heavy portfolios; the S&P/TSX 60 fits Canadian stock pickers; total-market ETFs like VTI or VXUS suit broader mixes, and a bond index fits fixed-income holdings.
Does the comparison include dividends?
Yes. The tool uses adjusted closing prices, which fold dividends and distributions back into the series, so both your tickers and the index are compared on a total-return basis.
What ticker format do Canadian stocks and ETFs use?
Use Yahoo Finance symbols: Canadian listings take a .TO suffix (RY.TO, XEQT.TO, VFV.TO), while US listings are the bare ticker (AAPL, SPY, VTI). If a ticker isn't recognized, the tool tells you which one to fix.
How are mixed Canadian and US tickers handled?
Each ticker's return is measured in its own trading currency and the lines are compared in percentage terms, so the CAD/USD exchange rate is not applied. That keeps the comparison simple, but a portfolio mixing currencies would move somewhat differently in your home currency.
Is this investment advice?
No. This is an educational simulation built on historical prices. Past performance doesn't predict future returns, and an equal-weight buy-and-hold simplification won't match a real account with contributions, fees and rebalancing.