COST · Costco Wholesale Corporation #24
2023-06-14T00:00 → 2026-06-12T00:00 · fmp · 1d · scale QQQ reserve · created 2026-06-14T20:32
Strategy return
127.43%
$22,743
Buy & hold return
86.33%
$18,633
S&P 500 (SPY)
69.67%
$16,967
Nasdaq-100 (QQQ)
97.14%
$19,714
Strategy − Buy&Hold
+41.09 pp
$+4,109
Trades
53 / 81
buys / sells
| Start price (B) | 527.2000 | Target (Z) | none |
| Capital (A) | 10,000 | First step (C) | 7,000 |
| Steps (N) | 8 | Threshold (X) | 2.0% |
Annualized & capital-efficiency metrics (3.00 yr)
Strategy CAGR
31.56%
whole pot, annualized
Buy & hold CAGR
23.10%
all-in at t0, annualized
Money-weighted IRR
31.56%
on capital while deployed
Avg capital deployed
20.6%
rest sat idle in cash
CAGR grows the whole pot A, so idle ladder cash dilutes it. IRR counts only dollars actually in the market over time, so it runs higher — the gap is the cash drag, which Avg capital deployed measures directly. IRR only "counts" if that idle cash earns its opportunity cost elsewhere.
Strategy vs benchmarks — returns & drawdown
| Series | XIRR | Max drawdown | Downside capture |
|---|---|---|---|
| Ladder strategy | 31.56% | -21.27% | — |
| Buy & hold | 23.10% | -20.28% | 53% |
| S&P 500 (SPY) | 19.30% | -17.71% | 104% |
| Nasdaq-100 (QQQ) | 25.43% | -21.66% | 96% |
Max drawdown is the bad-market headline — how deep each fell from its high. Downside capture is the bear-market analog to alpha: of a benchmark's loss in its down periods, the share the strategy absorbed (under 100% = protective, negative = the strategy gained while the benchmark fell).
Portfolio value: strategy vs. buy & hold
⬇ Equity CSVPrice & trades
Trade log (135)
⬇ Trades CSV| # | When | Action | Price | Shares | Amount | Shares held | Cash bal. | Portfolio |
|---|---|---|---|---|---|---|---|---|
| 1 | 2023-06-14T00:00 | INITIAL | 527.2000 | 13.2777 | 7,000.00 | 13.2777 | 3,000.00 | 10,000.00 |
| 2 | 2023-06-30T00:00 | SELL | 538.3800 | 0.6965 | 375.00 | 12.5812 | 3,403.86 | 10,177.30 |
| 3 | 2023-07-07T00:00 | BUY | 525.0500 | 0.7142 | 375.00 | 13.2954 | 2,999.56 | 9,980.30 |
| 4 | 2023-07-12T00:00 | SELL | 538.0000 | 0.6970 | 375.00 | 12.5984 | 3,428.45 | 10,206.36 |
| 5 | 2023-07-17T00:00 | SELL | 552.9600 | 0.6782 | 375.00 | 11.9202 | 3,893.48 | 10,484.86 |
| 6 | 2023-07-25T00:00 | SELL | 565.1900 | 0.6635 | 375.00 | 11.2567 | 4,229.51 | 10,591.67 |
| 7 | 2023-08-02T00:00 | BUY | 552.3500 | 0.6789 | 375.00 | 11.9356 | 3,805.49 | 10,398.12 |
| 8 | 2023-08-22T00:00 | BUY | 538.3700 | 0.6965 | 375.00 | 12.6322 | 3,318.57 | 10,119.35 |
| 9 | 2023-08-31T00:00 | SELL | 549.2800 | 0.6827 | 375.00 | 11.9494 | 3,827.00 | 10,390.59 |
| 10 | 2023-09-14T00:00 | SELL | 564.7700 | 0.6640 | 375.00 | 11.2855 | 4,194.71 | 10,568.40 |
| 11 | 2023-09-26T00:00 | BUY | 552.9600 | 0.6782 | 375.00 | 11.9636 | 3,563.32 | 10,178.72 |
| 12 | 2023-09-28T00:00 | SELL | 568.6300 | 0.6595 | 375.00 | 11.3041 | 3,976.54 | 10,404.42 |
| 13 | 2023-10-20T00:00 | BUY | 552.9300 | 0.6782 | 375.00 | 11.9823 | 3,563.67 | 10,189.07 |
| 14 | 2023-11-06T00:00 | SELL | 569.8200 | 0.6581 | 375.00 | 11.3242 | 4,085.50 | 10,538.28 |
| 15 | 2023-11-14T00:00 | SELL | 590.8000 | 0.6347 | 375.00 | 10.6895 | 4,638.87 | 10,954.24 |
| 16 | 2023-11-16T00:00 | BUY | 578.5800 | 0.6481 | 375.00 | 11.3377 | 4,271.34 | 10,831.07 |
| 17 | 2023-11-24T00:00 | SELL | 591.3600 | 0.6341 | 375.00 | 10.7035 | 4,685.73 | 11,015.37 |
| 18 | 2023-12-05T00:00 | SELL | 605.3500 | 0.6195 | 375.00 | 10.0840 | 5,034.03 | 11,138.40 |
| 19 | 2023-12-11T00:00 | SELL | 623.8600 | 0.6011 | 375.00 | 9.4829 | 5,516.00 | 11,432.03 |
| 20 | 2023-12-13T00:00 | SELL | 642.0000 | 0.5841 | 375.00 | 8.8988 | 6,005.64 | 11,718.69 |
| 21 | 2023-12-15T00:00 | SELL | 658.8200 | 0.5692 | 375.00 | 8.3296 | 6,404.44 | 11,892.17 |
| 22 | 2023-12-18T00:00 | SELL | 681.2400 | 0.5505 | 375.00 | 7.7792 | 6,806.93 | 12,106.41 |
| 23 | 2023-12-20T00:00 | BUY | 661.0000 | 0.5673 | 375.00 | 8.3465 | 6,365.05 | 11,882.08 |
| 24 | 2023-12-26T00:00 | SELL | 674.6200 | 0.5559 | 375.00 | 7.7906 | 6,863.22 | 12,118.93 |
| 25 | 2023-12-29T00:00 | BUY | 660.0800 | 0.5681 | 375.00 | 8.3587 | 6,465.50 | 11,982.93 |
| 26 | 2024-01-03T00:00 | BUY | 644.6900 | 0.5817 | 375.00 | 8.9404 | 5,913.83 | 11,677.63 |
| 27 | 2024-01-08T00:00 | SELL | 661.6900 | 0.5667 | 375.00 | 8.3737 | 6,387.12 | 11,927.90 |
| 28 | 2024-01-12T00:00 | SELL | 683.2400 | 0.5489 | 375.00 | 7.8248 | 6,834.83 | 12,181.06 |
| 29 | 2024-01-30T00:00 | SELL | 700.7400 | 0.5351 | 375.00 | 7.2897 | 7,472.50 | 12,580.67 |
| 30 | 2024-02-07T00:00 | SELL | 719.7800 | 0.5210 | 375.00 | 6.7687 | 7,965.04 | 12,837.01 |
| 31 | 2024-02-22T00:00 | SELL | 734.4000 | 0.5106 | 375.00 | 6.2581 | 8,452.15 | 13,048.07 |
| 32 | 2024-03-01T00:00 | SELL | 749.4400 | 0.5004 | 375.00 | 5.7577 | 8,972.62 | 13,287.67 |
| 33 | 2024-03-06T00:00 | SELL | 773.2400 | 0.4850 | 375.00 | 5.2727 | 9,210.30 | 13,287.38 |
| 34 | 2024-03-08T00:00 | BUY | 725.5600 | 0.5168 | 375.00 | 5.7896 | 8,840.13 | 13,040.80 |
| 35 | 2024-03-20T00:00 | SELL | 740.7200 | 0.5063 | 375.00 | 5.2833 | 9,310.77 | 13,224.22 |
| 36 | 2024-04-01T00:00 | BUY | 721.2400 | 0.5199 | 375.00 | 5.8032 | 8,960.53 | 13,146.05 |
| 37 | 2024-04-03T00:00 | BUY | 705.6900 | 0.5314 | 375.00 | 6.3346 | 8,528.14 | 12,998.42 |
| 38 | 2024-04-10T00:00 | SELL | 722.5800 | 0.5190 | 375.00 | 5.8157 | 8,831.19 | 13,033.46 |
| 39 | 2024-05-03T00:00 | SELL | 743.9000 | 0.5041 | 375.00 | 5.3116 | 9,147.96 | 13,099.23 |
| 40 | 2024-05-07T00:00 | SELL | 771.3100 | 0.4862 | 375.00 | 4.8254 | 9,624.64 | 13,346.49 |
| 41 | 2024-05-10T00:00 | SELL | 787.1900 | 0.4764 | 375.00 | 4.3490 | 10,037.67 | 13,461.15 |
| 42 | 2024-05-24T00:00 | SELL | 809.7300 | 0.4631 | 375.00 | 3.8859 | 10,773.48 | 13,919.99 |
| 43 | 2024-06-04T00:00 | SELL | 827.3900 | 0.4532 | 375.00 | 3.4326 | 11,064.26 | 13,904.39 |
| 44 | 2024-06-07T00:00 | SELL | 845.5800 | 0.4435 | 375.00 | 2.9892 | 11,648.43 | 14,176.00 |
| 45 | 2024-06-17T00:00 | SELL | 867.9100 | 0.4321 | 375.00 | 2.5571 | 12,579.48 | 14,798.80 |
| 46 | 2024-06-21T00:00 | BUY | 848.3100 | 0.4421 | 375.00 | 2.9991 | 12,077.93 | 14,622.13 |
| 47 | 2024-07-05T00:00 | SELL | 885.6700 | 0.4234 | 375.00 | 2.5757 | 12,854.87 | 15,136.12 |
| 48 | 2024-07-11T00:00 | BUY | 846.5900 | 0.4430 | 375.00 | 3.0187 | 12,370.28 | 14,925.86 |
| 49 | 2024-07-25T00:00 | BUY | 815.9500 | 0.4596 | 375.00 | 3.4783 | 11,148.85 | 13,986.94 |
| 50 | 2024-08-08T00:00 | SELL | 839.4300 | 0.4467 | 375.00 | 3.0315 | 11,275.70 | 13,820.47 |
| 51 | 2024-08-12T00:00 | SELL | 863.5700 | 0.4342 | 375.00 | 2.5973 | 11,734.00 | 13,976.94 |
| 52 | 2024-08-21T00:00 | SELL | 881.4200 | 0.4254 | 375.00 | 2.1718 | 12,917.99 | 14,832.30 |
| 53 | 2024-08-27T00:00 | SELL | 908.9000 | 0.4126 | 375.00 | 1.7593 | 13,139.31 | 14,738.30 |
| 54 | 2024-08-28T00:00 | BUY | 888.0500 | 0.4223 | 375.00 | 2.1815 | 12,615.21 | 14,552.52 |
| 55 | 2024-09-12T00:00 | SELL | 915.0300 | 0.4098 | 375.00 | 1.7717 | 13,040.26 | 14,661.43 |
| 56 | 2024-09-18T00:00 | BUY | 892.5200 | 0.4202 | 375.00 | 2.1919 | 12,616.21 | 14,572.50 |
| 57 | 2024-09-23T00:00 | SELL | 917.0800 | 0.4089 | 375.00 | 1.7830 | 13,301.64 | 14,936.76 |
| 58 | 2024-09-27T00:00 | BUY | 885.6200 | 0.4234 | 375.00 | 2.2064 | 13,028.80 | 14,982.83 |
| 59 | 2024-10-09T00:00 | SELL | 909.1000 | 0.4125 | 375.00 | 1.7939 | 13,575.11 | 15,205.94 |
| 60 | 2024-10-11T00:00 | BUY | 889.0300 | 0.4218 | 375.00 | 2.2157 | 13,205.89 | 15,175.72 |
| 61 | 2024-11-07T00:00 | SELL | 913.9300 | 0.4103 | 375.00 | 1.8054 | 14,121.05 | 15,771.06 |
| 62 | 2024-11-08T00:00 | SELL | 943.8000 | 0.3973 | 375.00 | 1.4081 | 14,512.55 | 15,841.48 |
| 63 | 2024-11-14T00:00 | BUY | 923.8900 | 0.4059 | 375.00 | 1.8140 | 13,983.72 | 15,659.61 |
| 64 | 2024-11-21T00:00 | SELL | 955.6500 | 0.3924 | 375.00 | 1.4216 | 14,256.73 | 15,615.23 |
| 65 | 2024-12-02T00:00 | SELL | 975.0000 | 0.3846 | 375.00 | 1.0369 | 14,922.80 | 15,933.82 |
| 66 | 2024-12-11T00:00 | SELL | 994.6900 | 0.3770 | 375.00 | 0.6599 | 15,721.49 | 16,377.92 |
| 67 | 2024-12-18T00:00 | BUY | 964.7400 | 0.3887 | 375.00 | 1.0486 | 14,947.46 | 15,959.12 |
| 68 | 2024-12-27T00:00 | BUY | 939.7000 | 0.3991 | 375.00 | 1.4477 | 14,748.71 | 16,109.12 |
| 69 | 2024-12-31T00:00 | BUY | 916.2700 | 0.4093 | 375.00 | 1.8570 | 14,053.94 | 15,755.42 |
| 70 | 2025-01-10T00:00 | SELL | 936.9400 | 0.4002 | 375.00 | 1.4567 | 14,317.87 | 15,682.74 |
| 71 | 2025-01-14T00:00 | BUY | 917.2300 | 0.4088 | 375.00 | 1.8656 | 13,883.31 | 15,594.47 |
| 72 | 2025-01-17T00:00 | SELL | 943.1900 | 0.3976 | 375.00 | 1.4680 | 14,716.25 | 16,100.84 |
| 73 | 2025-01-27T00:00 | SELL | 965.2500 | 0.3885 | 375.00 | 1.0795 | 14,878.86 | 15,920.83 |
| 74 | 2025-02-03T00:00 | SELL | 1005.8300 | 0.3728 | 375.00 | 0.7067 | 15,366.70 | 16,077.48 |
| 75 | 2025-02-05T00:00 | SELL | 1042.8800 | 0.3596 | 375.00 | 0.3471 | 16,000.93 | 16,362.89 |
| 76 | 2025-02-12T00:00 | SELL | 1065.1200 | 0.3471 | 369.68 | 0.0000 | 16,414.64 | 16,414.64 |
| 77 | 2025-02-20T00:00 | BUY | 1034.8300 | 0.3624 | 375.00 | 0.3624 | 16,317.10 | 16,692.10 |
| 78 | 2025-02-25T00:00 | SELL | 1055.6600 | 0.3552 | 375.00 | 0.0072 | 15,965.89 | 15,973.44 |
| 79 | 2025-02-26T00:00 | BUY | 1031.9700 | 0.3634 | 375.00 | 0.3705 | 15,629.46 | 16,011.84 |
| 80 | 2025-03-07T00:00 | BUY | 964.3100 | 0.3889 | 375.00 | 0.7594 | 14,562.84 | 15,295.14 |
| 81 | 2025-03-10T00:00 | BUY | 934.4100 | 0.4013 | 375.00 | 1.1607 | 13,623.43 | 14,708.03 |
| 82 | 2025-03-13T00:00 | BUY | 890.6200 | 0.4211 | 375.00 | 1.5818 | 13,121.92 | 14,530.69 |
| 83 | 2025-03-17T00:00 | SELL | 916.6100 | 0.4091 | 375.00 | 1.1727 | 13,901.22 | 14,976.10 |
| 84 | 2025-03-18T00:00 | BUY | 898.0500 | 0.4176 | 375.00 | 1.5902 | 13,289.24 | 14,717.36 |
| 85 | 2025-03-24T00:00 | SELL | 926.0400 | 0.4050 | 375.00 | 1.1853 | 14,115.67 | 15,213.30 |
| 86 | 2025-03-31T00:00 | SELL | 945.7800 | 0.3965 | 375.00 | 0.7888 | 13,865.24 | 14,611.26 |
| 87 | 2025-04-02T00:00 | SELL | 965.0800 | 0.3886 | 375.00 | 0.4002 | 14,454.02 | 14,840.27 |
| 88 | 2025-04-04T00:00 | BUY | 916.4800 | 0.4092 | 375.00 | 0.8094 | 12,455.58 | 13,197.38 |
| 89 | 2025-04-09T00:00 | SELL | 965.1900 | 0.3885 | 375.00 | 0.4209 | 14,107.46 | 14,513.69 |
| 90 | 2025-04-17T00:00 | SELL | 994.5000 | 0.3771 | 375.00 | 0.0438 | 13,819.47 | 13,863.03 |
| 91 | 2025-04-21T00:00 | BUY | 957.7700 | 0.3915 | 375.00 | 0.4353 | 13,102.48 | 13,519.44 |
| 92 | 2025-04-22T00:00 | SELL | 979.2300 | 0.3830 | 375.00 | 0.0524 | 13,821.45 | 13,872.75 |
| 93 | 2025-05-01T00:00 | SELL | 999.0400 | 0.0524 | 52.33 | 0.0000 | 15,030.55 | 15,030.55 |
| 94 | 2025-06-17T00:00 | BUY | 977.7200 | 0.3835 | 375.00 | 0.3835 | 16,134.64 | 16,509.64 |
| 95 | 2025-06-23T00:00 | SELL | 1004.4800 | 0.3733 | 375.00 | 0.0102 | 16,588.01 | 16,598.27 |
| 96 | 2025-06-26T00:00 | BUY | 982.9100 | 0.3815 | 375.00 | 0.3917 | 16,667.61 | 17,052.65 |
| 97 | 2025-07-16T00:00 | BUY | 951.3700 | 0.3942 | 375.00 | 0.7859 | 16,630.40 | 17,378.09 |
| 98 | 2025-07-30T00:00 | BUY | 927.5100 | 0.4043 | 375.00 | 1.1902 | 16,575.60 | 17,679.54 |
| 99 | 2025-08-01T00:00 | SELL | 952.5200 | 0.3937 | 375.00 | 0.7965 | 16,537.98 | 17,296.68 |
| 100 | 2025-08-07T00:00 | SELL | 977.4500 | 0.3837 | 375.00 | 0.4129 | 17,371.60 | 17,775.17 |
| 101 | 2025-08-25T00:00 | BUY | 941.5800 | 0.3983 | 375.00 | 0.8111 | 17,029.56 | 17,793.31 |
| 102 | 2025-09-05T00:00 | SELL | 963.4800 | 0.3892 | 375.00 | 0.4219 | 17,575.96 | 17,982.47 |
| 103 | 2025-09-22T00:00 | BUY | 943.2600 | 0.3976 | 375.00 | 0.8195 | 17,998.51 | 18,771.49 |
| 104 | 2025-09-26T00:00 | BUY | 915.9500 | 0.4094 | 375.00 | 1.2289 | 17,437.30 | 18,562.91 |
| 105 | 2025-10-09T00:00 | SELL | 942.8900 | 0.3977 | 375.00 | 0.8312 | 18,243.28 | 19,026.99 |
| 106 | 2025-10-29T00:00 | BUY | 912.4200 | 0.4110 | 375.00 | 1.2422 | 18,617.19 | 19,750.58 |
| 107 | 2025-11-04T00:00 | SELL | 940.7400 | 0.3986 | 375.00 | 0.8436 | 18,508.44 | 19,302.00 |
| 108 | 2025-11-10T00:00 | BUY | 915.5600 | 0.4096 | 375.00 | 1.2531 | 18,252.40 | 19,399.72 |
| 109 | 2025-11-18T00:00 | BUY | 895.0800 | 0.4190 | 375.00 | 1.6721 | 17,089.00 | 18,585.65 |
| 110 | 2025-11-28T00:00 | SELL | 913.5900 | 0.4105 | 375.00 | 1.2616 | 18,121.41 | 19,274.02 |
| 111 | 2025-12-05T00:00 | BUY | 894.6800 | 0.4191 | 375.00 | 1.6808 | 17,928.72 | 19,432.47 |
| 112 | 2025-12-10T00:00 | BUY | 874.4100 | 0.4289 | 375.00 | 2.1096 | 17,614.77 | 19,459.46 |
| 113 | 2025-12-19T00:00 | BUY | 855.6200 | 0.4383 | 375.00 | 2.5479 | 16,943.39 | 19,123.43 |
| 114 | 2025-12-26T00:00 | SELL | 873.3500 | 0.4294 | 375.00 | 2.1185 | 17,506.21 | 19,356.43 |
| 115 | 2026-01-02T00:00 | BUY | 854.5000 | 0.4389 | 375.00 | 2.5574 | 16,829.01 | 19,014.29 |
| 116 | 2026-01-05T00:00 | SELL | 875.7400 | 0.4282 | 375.00 | 2.1292 | 17,337.68 | 19,202.28 |
| 117 | 2026-01-08T00:00 | SELL | 915.3100 | 0.4097 | 375.00 | 1.7195 | 17,782.26 | 19,356.11 |
| 118 | 2026-01-12T00:00 | SELL | 943.0800 | 0.3976 | 375.00 | 1.3218 | 18,349.27 | 19,595.87 |
| 119 | 2026-01-16T00:00 | SELL | 963.6100 | 0.3892 | 375.00 | 0.9327 | 18,551.36 | 19,450.10 |
| 120 | 2026-01-23T00:00 | SELL | 983.2500 | 0.3814 | 375.00 | 0.5513 | 18,969.96 | 19,512.02 |
| 121 | 2026-01-28T00:00 | BUY | 960.7800 | 0.3903 | 375.00 | 0.9416 | 18,914.82 | 19,819.49 |
| 122 | 2026-01-30T00:00 | BUY | 940.2500 | 0.3988 | 375.00 | 1.3404 | 18,200.79 | 19,461.13 |
| 123 | 2026-02-02T00:00 | SELL | 968.3600 | 0.3873 | 375.00 | 0.9532 | 18,700.76 | 19,623.78 |
| 124 | 2026-02-05T00:00 | SELL | 989.2900 | 0.3791 | 375.00 | 0.5741 | 18,206.34 | 18,774.31 |
| 125 | 2026-02-13T00:00 | SELL | 1018.4800 | 0.3682 | 375.00 | 0.2059 | 18,730.46 | 18,940.19 |
| 126 | 2026-02-18T00:00 | BUY | 996.0800 | 0.3765 | 375.00 | 0.5824 | 18,475.89 | 19,056.00 |
| 127 | 2026-03-19T00:00 | BUY | 974.7800 | 0.3847 | 375.00 | 0.9671 | 17,711.42 | 18,654.12 |
| 128 | 2026-03-30T00:00 | SELL | 996.5800 | 0.3763 | 375.00 | 0.5908 | 17,048.86 | 17,637.65 |
| 129 | 2026-04-06T00:00 | SELL | 1018.5500 | 0.3682 | 375.00 | 0.2226 | 18,346.72 | 18,573.49 |
| 130 | 2026-04-13T00:00 | BUY | 980.8500 | 0.3823 | 375.00 | 0.6050 | 18,872.38 | 19,465.75 |
| 131 | 2026-04-21T00:00 | SELL | 1005.8100 | 0.3728 | 375.00 | 0.2321 | 20,070.88 | 20,304.36 |
| 132 | 2026-05-13T00:00 | SELL | 1033.0800 | 0.2321 | 239.81 | 0.0000 | 22,503.02 | 22,503.02 |
| 133 | 2026-05-26T00:00 | BUY | 1002.9300 | 0.3739 | 375.00 | 0.3739 | 22,618.25 | 22,993.25 |
| 134 | 2026-05-29T00:00 | BUY | 956.3200 | 0.3921 | 375.00 | 0.7660 | 22,491.96 | 23,224.53 |
| 135 | 2026-06-10T00:00 | SELL | 983.3700 | 0.3813 | 375.00 | 0.3847 | 21,507.65 | 21,885.94 |