BMO Short Federal Bond (ZFS.TO): Rolling Returns

Simulation Settings
Category:
Period: July 2010 - June 2025 (~15 years)
Initial Amount: 1$
Currency: CAD
Inflation: Canada
(Change Settings)
The minimum date range must be at least 24 months. 'Date To' cannot be beyond June 2025.
Reset settings
Close

When holding the BMO Short Federal Bond (ZFS.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 54 months (from April 2019 to September 2023).

This indicates that, within the same timeframe, any rolling period of 55 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 SHORT FEDERAL BOND (ZFS.TO) ETF
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Time Period: 1 July 2015 - 30 June 2025 (10 Years)
Time Period: 1 July 2010 - 30 June 2025 (~15 years)
All Data
(2010/07 - 2025/06)
Canada Inflation Adjusted:

Loading data
Please wait

Loading data
Please wait

Loading data
Please wait

Loading data
Please wait

Loading data
Please wait

Loading data
Please wait

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

Loading data
Please wait

Loading data
Please wait
Swipe left to see all data
Worst Median Best Negative Periods
-5.32%
Sep 2021 - Aug 2022
+1.47% +7.75%
Oct 2023 - Sep 2024
23.67%
40 out of 169
-11.62%
Jul 2021 - Jun 2022
-0.06% +6.01%
Oct 2023 - Sep 2024
52.07%
88 out of 169
-2.82%
Nov 2020 - Oct 2022
+1.58% +4.91%
Jul 2023 - Jun 2025
22.93%
36 out of 157
-8.11%
Nov 2020 - Oct 2022
-0.10% +2.75%
Aug 2018 - Jul 2020
52.23%
82 out of 157
-1.68%
Aug 2020 - Jul 2023
+1.42% +3.39%
Jul 2022 - Jun 2025
22.07%
32 out of 145
-6.32%
Oct 2020 - Sep 2023
-0.39% +1.14%
Feb 2018 - Jan 2021
55.17%
80 out of 145
-0.39%
May 2020 - Apr 2024
+1.23% +2.61%
Mar 2011 - Feb 2015
7.52%
10 out of 133
-4.50%
May 2020 - Apr 2024
-0.82% +1.18%
Feb 2011 - Jan 2015
73.68%
98 out of 133
+0.27%
May 2017 - Apr 2022
+1.12% +2.29%
Jul 2010 - Jun 2015
0.00%
0 out of 121
-2.87%
Nov 2017 - Oct 2022
-0.67% +0.80%
Apr 2011 - Mar 2016
79.34%
96 out of 121
+0.05%
Oct 2016 - Sep 2022
+1.17% +2.14%
Jul 2010 - Jun 2016
0.00%
0 out of 109
-2.83%
Sep 2017 - Aug 2023
-0.57% +0.45%
Apr 2011 - Mar 2017
79.82%
87 out of 109
+0.14%
Oct 2016 - Sep 2023
+1.29% +1.81%
Aug 2013 - Jul 2020
0.00%
0 out of 97
-2.78%
Oct 2016 - Sep 2023
-0.51% +0.26%
Jun 2013 - May 2020
88.66%
86 out of 97
+0.27%
Aug 2015 - Jul 2023
+1.25% +1.71%
May 2012 - Apr 2020
0.00%
0 out of 85
-2.44%
Oct 2015 - Sep 2023
-0.76% +0.38%
May 2012 - Apr 2020
87.06%
74 out of 85
+0.55%
Oct 2014 - Sep 2023
+1.19% +1.88%
Apr 2011 - Mar 2020
0.00%
0 out of 73
-2.03%
Feb 2015 - Jan 2024
-1.43% +0.46%
May 2011 - Apr 2020
84.93%
62 out of 73
+0.68%
Mar 2013 - Feb 2023
+1.14% +1.92%
Jul 2010 - Jun 2020
0.00%
0 out of 61
-1.81%
Nov 2013 - Oct 2023
-1.36% +0.27%
Jan 2011 - Dec 2020
80.33%
49 out of 61
+0.70%
Oct 2012 - Sep 2023
+1.09% +1.69%
Jul 2010 - Jun 2021
0.00%
0 out of 49
-1.67%
Oct 2012 - Sep 2023
-1.24% -0.11%
Jul 2010 - Jun 2021
100.00%
49 out of 49
+0.73%
Oct 2011 - Sep 2023
+1.07% +1.45%
Jul 2013 - Jun 2025
0.00%
0 out of 37
-1.53%
Oct 2011 - Sep 2023
-1.19% -0.96%
Jul 2013 - Jun 2025
100.00%
37 out of 37
+0.95%
Sep 2010 - Aug 2023
+1.25% +1.45%
May 2012 - Apr 2025
0.00%
0 out of 25
-1.41%
Sep 2010 - Aug 2023
-1.05% -0.80%
May 2012 - Apr 2025
100.00%
25 out of 25
+1.33%
Sep 2010 - Aug 2024
+1.49% +1.60%
Apr 2011 - Mar 2025
0.00%
0 out of 13
-1.01%
Aug 2010 - Jul 2024
-0.78% -0.66%
Apr 2011 - Mar 2025
100.00%
13 out of 13
+1.61%
Jul 2010 - Jun 2025
+1.61% +1.61%
Jul 2010 - Jun 2025
0.00%
0 out of 1
-0.71%
Jul 2010 - Jun 2025
-0.71% -0.71%
Jul 2010 - Jun 2025
100.00%
1 out of 1
Build wealth
with Lazy Portfolios and Passive Investing