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What does “up over 40% in three months” mean?
MoneySense’s October 2, 2026 article describes BTC as up more than 42% from a July 2026 low of about US$58,000 through September 30, 2026. The headline’s three-month framing refers approximately to that July-to-September span; it is not a claim that BTC gained more than 40% in every rolling three-month period, nor a price reading for October 2.
The article attributes its BTC return table to Yahoo Finance BTC-USD data through September 30. The figures below are the returns MoneySense reported, not independently recalculated values. Past performance over any of these windows does not establish what BTC will do next.
Are BTC investors making money?
It depends on the date an investor bought and the period measured. MoneySense reported BTC was down 27.2% over the year ending September 30, 2026, but up 89.3% over the five years ending on the same date. A sharp recovery from a recent low can coexist with a negative one-year return because those comparisons use different starting points.
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| BTC measurement window | Return reported by MoneySense through September 30, 2026 | Annualized return reported |
|---|---|---|
| Six months | 24% | Not applicable (MoneySense) |
| One year | -27.2% | -27.2% |
| Two years | 31.1% | 14.5% |
| Three years | 207.7% | 45.4% |
| Four years | 327% | 43.7% |
| Five years | 89.3% | 13.6% |
The annualized figures are MoneySense’s historical calculations for those periods. Annualizing a past return expresses it as a yearly rate for comparison; it is not a forecast or a promise of a repeatable annual gain. The source marks annualization as not applicable for the six-month period.
Did Ethereum have the same pattern?
No. MoneySense reported ETH up 32.2% over the six months ending September 30, 2026, but down 35.5% over one year and down 10.9% over five years. Those figures show why a recent positive stretch should not be treated as evidence that another cryptocurrency has matched BTC’s performance. Each return uses its own stated measurement window and the same September 30 cutoff.
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How is a Bitcoin ETF allocation different from owning BTC?
MoneySense reported that the iShares Equity + Bitcoin ETF Portfolio (IBQT) launched on August 5, 2026, and trades on the Toronto Stock Exchange. It invests in other iShares ETFs. The portfolio is therefore not the same as holding BTC directly: its reported Bitcoin exposure was through IBIT, alongside a much larger allocation to equity ETFs and a small cash position.
MoneySense reported these IBQT holdings as of September 29, 2026, citing BlackRock’s IBQT website. Weights can change, so this is a dated snapshot, not a current portfolio guarantee.
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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →| IBQT holding | Reported weight on September 29, 2026 | Exposure described by MoneySense |
|---|---|---|
| XTOT | 43.67% | U.S. equities |
| XIC | 23.91% | Canadian equities |
| XEF | 23.82% | Developed markets in Europe, Asia and Australia |
| XEC | 4.98% | Emerging markets |
| IBIT | 3.16% | Bitcoin ETF |
| Canadian-dollar cash | 0.46% | Cash |
The 3.16% figure is IBIT’s reported share of IBQT’s holdings on that date; it is not a measure of how much BTC any particular investor owns. IBQT combines equity-market exposure with a relatively small Bitcoin ETF allocation, so its performance need not track BTC’s price.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the rally does—and does not—tell you
The reported price recovery establishes how BTC performed between the cited low and endpoint; it does not establish why the price rose. MoneySense’s article does not substantiate a particular catalyst, such as a policy change, fund flows or a macroeconomic development, so attributing the move to one would go beyond the reported evidence.
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MoneySense characterizes BTC and other cryptocurrencies as speculative and highly volatile, with market, technological and regulatory risks. A strong rebound can be followed by further substantial price movements in either direction. Whether crypto exposure fits an individual depends on their goals, time horizon and tolerance for risk; MoneySense also cautions readers to remain vigilant about scams. Those are general considerations, not individualized financial advice.
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