Frontier Complete Portfolios: Performance

The Frontier Complete Portfolio annual returns are shown below.  The returns are calculated from four proprietary accounts Frontier has maintained since December 2021 to track each portfolio’s return.

Portfolio / Year	25% Stocks 75% Bonds	50% Stocks 50% Bonds	75% Stocks 25% Bonds	100% Stocks
2022	-6.60%	-7.66%	-8.60%	-9.61%
2023	9.89%	12.06%	14.10%	16.31%
2024	11.25%	14.75%	18.25%	21.78%
2025	8.54%	12.48%	16.17%	20.06%
2022-2025 (annualized avg.)	5.51%	7.50%	9.40%	11.35%

Each Complete Portfolio's account is valued at month end and on any day of an inflow or outflow.  Intra-month and monthly returns are calculated and geometrically linked.  Distributions receivable at month end are included in the monthly return.  

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Performance Comparison 

Frontier compares its Frontier Complete Portfolio returns to about 200 portfolio funds that belong to about 40 similar portfolio programs offered through Canada, and which currently represent about $550 billion of invested assets.  The peer universe is described further here.

Because Frontier’s portfolios contain only Series F and equivalent funds, their returns are compared to the peer universe’s Series F funds.  Peer universe fund returns are supplied by Fundata Canada .

Year-by-Year Results
The charts to the right compare the Frontier Complete Portfolio returns to the peer universe returns, each year since the Frontier portfolios’ inception.

Each chart shows each fund’s annual return on the vertical axis, against its stock (“equity”) weight at the start of the year on the horizontal axis. The dotted line shows the estimated return for a given stock weight, averaged across the various programs.


Click any chart to enlarge it, and click outside the chart or tap the Esc key to return.
 

The Frontier returns, the large blue-and-white circles, are well above the peer group average throughout the entire range and in each year.  Some of this is due to their sizeable cost advantage, but the Frontier Complete Portfolios' return advantage in most years well exceeds their cost advantage.

2022

2024

2023

2025

4-Year Results

The chart to the right compares the Frontier Complete Portfolios' 4-year returns to the peer universe funds that also have four years of returns.

The Frontier returns, the large blue-and-white circles, readily exceed the peer group average (the dotted line) across the entire range of equity weights.  Their consistent year-by-year results, as shown above, translate into very strong results for the overall 4-year period.

Click to enlarge, click outside image or tap Esc key to return.