I put in VTEB vs VBIL into the two golden ratio portfolio analysis on Tesfol.io and there is virtually no difference in return. It is only the last year that is being shown in this analysis but I don't understand why returns would be equivalent in the backtester. If you are in the upper tax bracket it seems like a no brainer to put your cash in the tax exempt money market fund unless this analyser somehow measures after tax status. I can't imagine it would be this sophisticated. Does anyone have any thoughts on this?
https://testfol.io/?s=iQULJJ1WF6t
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Joined: Mon Oct 06, 2025 1:06 am