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View all resourcesBessembinder tracked 25,967 US stocks from 1926 to 2016. Only 42.6% beat one-month T-bills over their lifetime.
The SPIVA Scorecard has tracked this for 25 years. In 2025, 79% of active large-cap US funds underperformed the S&P 500.
Barber and Odean matched trading records to returns from 1991 to 1996. The most active traders earned 11.4% while the market returned 17.9%.
Textbooks say 10 to 20. Statman said 30 to 40. Campbell and co-authors said 50. The number keeps moving, and the reason is interesting.
Resource Library
A map of the platform before you touch it: what each screen answers, and which question it does not.
7 min readMay 20, 2026What a Stock Actually IsInvestingBefore probabilities and portfolios: what you own when you buy a share, and where the return comes from.
6 min readMay 18, 2026How to Read the Probability CardUsing ATLASThe main screen in ATLAS, explained field by field: the big percentage, the band, the horizon and the confidence label.
8 min readMay 14, 2026Most Individual Stocks Lose to Treasury BillsResearchBessembinder tracked 25,967 US stocks from 1926 to 2016. Only 42.6% beat one-month T-bills over their lifetime.
9 min readMay 12, 2026Saving Before InvestingInvestingThe month-by-month habit that decides more of the outcome than any stock pick: how much goes out before anything goes in.
7 min readMay 10, 2026Using the Portfolio BuilderUsing ATLASFrom an amount and a few constraints to a weighted basket, and how to argue with the result instead of accepting it.
9 min readMay 8, 2026How Often Active Funds Beat the IndexResearchThe SPIVA Scorecard has tracked this for 25 years. In 2025, 79% of active large-cap US funds underperformed the S&P 500.
10 min readMay 6, 2026Compounding, and Why Time Beats TimingInvestingThe arithmetic that makes early, boring contributions outperform late, clever ones.
7 min readMay 4, 2026The Risk Screen, Step by StepUsing ATLASVolatility, beta, correlation, drawdown and scenarios: what to look at first and what each number should change in your decision.
10 min readMay 2, 2026Case Study: 66,465 Households at a Discount BrokerCase StudyBarber and Odean matched trading records to returns from 1991 to 1996. The most active traders earned 11.4% while the market returned 17.9%.
8 min readApr 28, 2026Your First PortfolioInvestingWhat to decide, in what order, the first time you put money into the market.
9 min readApr 26, 2026ATLAS Recovery: When You Are Already DownUsing ATLASThe screen that answers the least comfortable question in investing: what is the probability of getting back to my buy price?
7 min readApr 24, 2026Stay up to date
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