BMO Mid Federal Bond (ZFM.TO): Rolling Returns

Simulation Settings
Category:
Period: June 2010 - June 2025 (~15 years)
Initial Amount: 1$
Currency: CAD
Inflation: Canada
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When holding the BMO Mid Federal Bond (ZFM.TO) ETF, how long should you stay invested to have high probability to achieve a positive return?

Over the selected period (~15 years), the longest duration with a negative return was 111 months (from February 2015 to April 2024).

This indicates that, within the same timeframe, any rolling period of 112 months or more has consistently resulted in a positive return.

Understanding this metric is crucial as it highlights the importance of a safe investment horizon. Knowing the minimum duration required to likely see positive returns helps investors set realistic expectations and reinforces the strategy of staying invested through market cycles. This approach can mitigate the emotional reactions to short-term market fluctuations and enhance the likelihood of achieving financial goals.

Rolling Returns

A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.

BMO MID FEDERAL BOND (ZFM.TO) ETF
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Time Period: 1 July 2015 - 30 June 2025 (10 Years)
Time Period: 1 June 2010 - 30 June 2025 (~15 years)
All Data
(2010/06 - 2025/06)
Canada Inflation Adjusted:

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Rolling Period Analysis

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the simulation settings.

BMO MID FEDERAL BOND (ZFM.TO) ETF
Rolling Returns Chart
Rolling Returns Chart - Inflation Adjusted
Time Period: 1 June 2010 - 30 June 2025 (~15 years)
Over Time
Histogram
Canada Inflation Adjusted:

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Swipe left to see all data
Worst Median Best Negative Periods
-12.03%
Sep 2021 - Aug 2022
+2.86% +12.93%
Feb 2011 - Jan 2012
37.65%
64 out of 170
-18.37%
Jul 2021 - Jun 2022
+1.17% +10.99%
Oct 2023 - Sep 2024
44.12%
75 out of 170
-7.94%
Jul 2020 - Jun 2022
+2.18% +8.59%
Jun 2010 - May 2012
26.58%
42 out of 158
-12.80%
Jul 2020 - Jun 2022
+0.52% +6.96%
Aug 2018 - Jul 2020
44.30%
70 out of 158
-6.25%
Oct 2020 - Sep 2023
+2.73% +5.98%
Sep 2013 - Aug 2016
28.08%
41 out of 146
-10.72%
Oct 2020 - Sep 2023
+0.78% +4.42%
Sep 2013 - Aug 2016
44.52%
65 out of 146
-3.53%
May 2020 - Apr 2024
+1.94% +6.30%
Feb 2011 - Jan 2015
25.37%
34 out of 134
-7.51%
May 2020 - Apr 2024
+0.19% +4.88%
Feb 2011 - Jan 2015
45.52%
61 out of 134
-1.22%
Jun 2020 - May 2025
+1.86% +5.41%
Mar 2011 - Feb 2016
26.23%
32 out of 122
-4.87%
Jun 2020 - May 2025
+0.18% +3.91%
Apr 2011 - Mar 2016
45.08%
55 out of 122
-1.16%
Jul 2016 - Jun 2022
+1.69% +5.13%
Jul 2010 - Jun 2016
16.36%
18 out of 110
-3.92%
Nov 2017 - Oct 2023
+0.00% +3.30%
Jul 2010 - Jun 2016
49.09%
54 out of 110
-1.39%
Oct 2016 - Sep 2023
+2.08% +4.46%
Jun 2010 - May 2017
19.39%
19 out of 98
-4.27%
Oct 2016 - Sep 2023
+0.50% +2.75%
Jun 2010 - May 2017
44.90%
44 out of 98
-0.62%
Oct 2015 - Sep 2023
+2.10% +3.66%
Apr 2011 - Mar 2019
13.95%
12 out of 86
-3.33%
Oct 2015 - Sep 2023
+0.32% +2.04%
Apr 2011 - Mar 2019
47.67%
41 out of 86
+0.07%
Mar 2015 - Feb 2024
+1.29% +4.15%
May 2011 - Apr 2020
0.00%
0 out of 74
-2.56%
May 2015 - Apr 2024
-1.14% +2.72%
May 2011 - Apr 2020
55.41%
41 out of 74
+0.61%
Nov 2013 - Oct 2023
+1.12% +4.17%
Jun 2010 - May 2020
0.00%
0 out of 62
-1.91%
Nov 2013 - Oct 2023
-1.35% +2.54%
Jun 2010 - May 2020
64.52%
40 out of 62
+0.42%
Oct 2012 - Sep 2023
+1.43% +3.35%
Jun 2010 - May 2021
0.00%
0 out of 50
-1.94%
Oct 2012 - Sep 2023
-0.90% +1.56%
Jun 2010 - May 2021
76.00%
38 out of 50
+0.78%
Oct 2011 - Sep 2023
+1.43% +2.24%
Jun 2010 - May 2022
0.00%
0 out of 38
-1.49%
Oct 2011 - Sep 2023
-0.92% -0.01%
Jun 2010 - May 2022
100.00%
38 out of 38
+1.30%
Nov 2010 - Oct 2023
+1.66% +2.10%
Jun 2010 - May 2023
0.00%
0 out of 26
-1.01%
Nov 2010 - Oct 2023
-0.59% -0.22%
Jan 2011 - Dec 2023
100.00%
26 out of 26
+1.93%
Nov 2010 - Oct 2024
+2.10% +2.37%
Mar 2011 - Feb 2025
0.00%
0 out of 14
-0.40%
Sep 2010 - Aug 2024
-0.20% +0.08%
Apr 2011 - Mar 2025
71.43%
10 out of 14
+2.26%
Jul 2010 - Jun 2025
+2.26% +2.34%
Jun 2010 - May 2025
0.00%
0 out of 2
-0.07%
Jul 2010 - Jun 2025
-0.07% +0.01%
Jun 2010 - May 2025
50.00%
1 out of 2
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