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Two-Year Report

I Let ANNIE Trade My IRA for Two Years. Here’s What Happened.

Total Return
148.80%
Annualized Return
57.76%
Period
Sep 5, 2024
to Sep 4, 2026

An actual IRA run. ANNIE made the trading decisions, and I did not interfere by substituting my investment judgment.

Two Years Real Money No Humans
Real-Money IRA Performance
ANNIE real-money IRA performance chart for the two-year milestone
Schwab screenshot captured September 5, 2026.

The Experiment

This was not a backtest.
This was not paper trading.
This was my IRA.

For two years, ANNIE made the buy and sell decisions in my IRA and executed the trades automatically. I did not cherry-pick signals, skip trades I disliked, or step in when I thought I knew better. My job was basically to stay out of the way.

Broker-Verified Record

I Was Being Watched

Kinfo was connected to my Charles Schwab IRA. Its broker-verified record imports trading activity daily from Schwab, not manual entry. According to Kinfo, verified records cannot have trades added, removed, or edited to manipulate the result.

View the broker-verified record How verification works

Evidence

Don't Take My Word for It.

The trades are public. The statistics are reproducible. Check them yourself.

Visible Metrics

The Numbers Behind the Trades

Cash-Flow Adjusted Return
148.80%
SPY Return
39.98%
Excess Return vs. SPY
108.82 pp
Alpha vs. SPY
50.57%
Beta vs. SPY
0.40
Up Capture
97.62%
Down Capture
50.13%
SPY Correlation
0.16
Max Drawdown
-27.47%
Drawdown Trough
Apr 9, 2025
Daily Volatility
2.59%
Downside Deviation
1.65%
Ulcer Index
9.57%
Recovery Factor
5.42
Sharpe Ratio
1.32
Sortino Ratio
2.07
Calmar Ratio
2.11
Trading Days
502
Closed Lots
558
Non-Loss Lots
324
Losing Lots
234
Win Rate
58.06%
Average Gain
5.56%
Average Loss
-5.57%
Profit Factor
1.36
Payoff Ratio
0.98
Expectancy
0.89%
Best Closed Lot
75.67%
Worst Closed Lot
-23.25%
Average Hold
6.2 days
Longest Gain Streak
12
Longest Loss Streak
8

Trade statistics use Schwab realized closed lots. Daily risk statistics use the supplied account balances on the fixed NYSE session calendar and cash-flow adjustments from the transaction ledger.

SPY tracks the S&P 500. Benchmark metrics use the same 502 sessions, from September 5, 2024 through September 4, 2026. SPY uses the stored closing-price series. Dividend adjustment is not independently verified; these results are not labeled as dividend-reinvested total return.

Excess return is the difference in percentage points. Beta and correlation compare daily returns. Alpha is ANNIE's annualized return minus beta times SPY's annualized return, using 252 sessions per year and the shared daily calculator. Capture ratios compare summed daily returns on positive or negative SPY days.

Past performance is historical and does not guarantee future results.

See What ANNIE Is Trading