The title might sounds contradictory. How can a dismal Q2 results in a 13.07% return YTD? Well, it could if your Q1 return is 18.5%. This essentially means that Q2 is a decline for my portfolio. Before we dive into the specifics, here is an overview of the situation. 2024 Performance YTD My Portfolio: 13.07% Vanguard 500 Index: 15.21% Performance since inception (Jan 2021) My Portfolio: 35.4% Vanguard 500 Index: 51.8% (Based on an arbitrary starting amount of $10,000) June has been an especially bad month in terms of the portfolio's performance against the index. The index returns 3.58% while my portfolio declines by 3.18%. This results in a 6% difference which causes my portfolio to lag behind the index. By the end of Q1, my portfolio is actually leading the index by 8% so it's kinda a bummer to see the portfolio actually ending H1 behind the index. This widens the gap between my portfolio and the index based on performance since January 2021....