Bik-Rollover-IRA(083)

Asset Allocation

Position	Category/Sector	Target Weight
FHLC Fidelity MSCI Health Care Index ETF	Health & Biotech Equities	1.67%
FNDX Schwab Fundamental U.S. Large Company Index ETF	Large Cap Blend Equities	16.89%
IJH iShares Core S&P Mid-Cap ETF	Mid Cap Blend Equities	4.94%
IMCV iShares Morningstar Mid-Cap ETF	Mid Cap Value Equities	8.37%
MDYG SPDR S&P 400 Mid Cap Growth ETF	Mid Cap Growth Equities	7.38%
MDYV SPDR S&P 400 Mid Cap Value ETF	Mid Cap Value Equities	5.45%
SCHF Schwab International Equity ETF	Foreign Large Cap Equities	12.37%
SCHG Schwab U.S. Large-Cap Growth ETF	Large Cap Growth Equities	10.37%
SPDW SPDR Portfolio World ex-US ETF	Foreign Large Cap Equities	7.19%
SPYM State Street SPDR Portfolio S&P 500 ETF	S&P 500	3.87%
USD=X USD Cash		8.07%
VONG Vanguard Russell 1000 Growth ETF	Large Cap Growth Equities	4.04%
XLRE Real Estate Select Sector SPDR Fund	REIT	5.62%
XSMO Invesco S&P SmallCap Momentum ETF	Momentum, Small Cap Growth Equities	3.77%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Bik-Rollover-IRA(083), comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is never rebalanced.

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The earliest data available for this chart is Oct 8, 2015, corresponding to the inception date of XLRE

Returns By Period

As of Apr 16, 2026, the Bik-Rollover-IRA(083) returned 5.34% Year-To-Date and 11.94% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.80%	4.83%	2.59%	5.27%	30.14%	19.29%	10.91%	12.94%
Portfolio Bik-Rollover-IRA(083)	0.00%	5.00%	5.34%	8.14%	31.21%	17.75%	9.95%	11.94%
Portfolio components:
FNDX Schwab Fundamental U.S. Large Company Index ETF	0.10%	3.84%	7.04%	11.33%	32.81%	18.29%	12.38%	13.64%
VONG Vanguard Russell 1000 Growth ETF	1.81%	5.84%	-0.78%	0.63%	33.89%	25.05%	13.19%	17.72%
SPYM State Street SPDR Portfolio S&P 500 ETF	0.78%	4.92%	2.95%	5.86%	31.81%	20.90%	12.50%	14.87%
FHLC Fidelity MSCI Health Care Index ETF	-0.54%	-0.55%	-3.55%	4.78%	12.66%	5.39%	4.55%	9.51%
IJH iShares Core S&P Mid-Cap ETF	-0.29%	6.17%	8.37%	10.35%	31.58%	14.47%	7.16%	10.98%
IMCV iShares Morningstar Mid-Cap ETF	-0.36%	3.04%	6.18%	10.23%	28.48%	14.69%	8.99%	10.32%
MDYG SPDR S&P 400 Mid Cap Growth ETF	-0.13%	6.62%	11.08%	12.65%	35.50%	15.59%	6.48%	11.11%
MDYV SPDR S&P 400 Mid Cap Value ETF	-0.41%	5.66%	5.62%	7.93%	27.40%	13.05%	7.51%	10.37%
SCHF Schwab International Equity ETF	-0.41%	5.41%	10.23%	15.99%	40.20%	17.82%	9.52%	9.84%
XLRE Real Estate Select Sector SPDR Fund	-0.05%	2.63%	8.31%	5.44%	12.75%	9.56%	4.34%	6.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Oct 9, 2015, Bik-Rollover-IRA(083)'s average daily return is +0.03%, while the average monthly return is +1.00%. At this rate, an investment would double in approximately 5.8 years.

Historically, 70% of months were positive and 30% were negative. The best month was Nov 2020 with a return of +12.0%, while the worst month was Mar 2020 at -14.9%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Bik-Rollover-IRA(083) closed higher 38% of trading days. The best single day was Mar 24, 2020 with a return of +9.0%, while the worst single day was Mar 16, 2020 at -11.6%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.53%	1.88%	-5.27%	6.46%									5.34%
2025	3.23%	-1.58%	-4.44%	-0.64%	5.27%	4.06%	1.29%	3.04%	2.51%	1.44%	0.96%	0.27%	16.12%
2024	-0.06%	4.66%	3.71%	-4.50%	4.65%	1.24%	3.10%	1.74%	1.65%	-1.54%	6.02%	-4.23%	17.00%
2023	7.55%	-2.51%	1.02%	0.89%	-1.20%	6.70%	3.43%	-2.30%	-4.44%	-3.04%	8.94%	6.08%	21.89%
2022	-5.54%	-1.70%	2.84%	-7.49%	0.35%	-8.61%	8.73%	-3.92%	-9.16%	8.01%	6.22%	-5.18%	-16.38%
2021	0.80%	3.31%	3.94%	4.41%	1.18%	1.22%	1.09%	2.35%	-3.91%	5.81%	-1.86%	4.28%	24.61%

Benchmark Metrics

Bik-Rollover-IRA(083) has an annualized alpha of -0.03%, beta of 0.92, and R² of 0.96 versus S&P 500 Index. Calculated based on daily prices since October 09, 2015.

This portfolio participated in 95.70% of S&P 500 Index downside but only 92.31% of its upside — more exposed to losses than it benefited from rallies.
With beta of 0.92 and R² of 0.96, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.

Alpha: -0.03%

Beta: 0.92

R²: 0.96

Upside Capture: 92.31%

Downside Capture: 95.70%

Expense Ratio

Bik-Rollover-IRA(083) has an expense ratio of 0.11%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

Top 10 holdings

XSMO

Invesco S&P SmallCap Momentum ETF

FNDX

Schwab Fundamental U.S. Large Company Index ETF

MDYG

SPDR S&P 400 Mid Cap Growth ETF

MDYV

SPDR S&P 400 Mid Cap Value ETF

XLRE

Real Estate Select Sector SPDR Fund

FHLC

Fidelity MSCI Health Care Index ETF

VONG

Vanguard Russell 1000 Growth ETF

IMCV

iShares Morningstar Mid-Cap ETF

SCHF

Schwab International Equity ETF

IJH

iShares Core S&P Mid-Cap ETF

Return for Risk

Risk / Return Rank

Bik-Rollover-IRA(083) ranks 45 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	2.64	2.30	+0.35
Sortino ratio Return per unit of downside risk	3.72	3.18	+0.54
Omega ratio Gain probability vs. loss probability	1.49	1.43	+0.07
Calmar ratio Return relative to maximum drawdown	2.55	3.40	-0.85
Martin ratio Return relative to average drawdown	9.28	15.35	-6.07
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
FNDX Schwab Fundamental U.S. Large Company Index ETF	84	2.88	4.10	1.53	5.56	20.99
VONG Vanguard Russell 1000 Growth ETF	41	2.01	2.75	1.36	2.12	7.16
SPYM State Street SPDR Portfolio S&P 500 ETF	67	2.43	3.36	1.45	3.67	16.68
FHLC Fidelity MSCI Health Care Index ETF	18	0.81	1.24	1.15	1.30	3.78
IJH iShares Core S&P Mid-Cap ETF	52	1.94	2.80	1.35	3.74	13.61
IMCV iShares Morningstar Mid-Cap ETF	66	2.27	3.26	1.40	4.34	15.89
MDYG SPDR S&P 400 Mid Cap Growth ETF	55	2.02	2.86	1.36	3.71	14.77
MDYV SPDR S&P 400 Mid Cap Value ETF	38	1.71	2.55	1.30	2.74	9.45
SCHF Schwab International Equity ETF	71	2.76	3.69	1.50	3.72	14.92
XLRE Real Estate Select Sector SPDR Fund	21	0.94	1.33	1.17	1.85	5.12

Sharpe Ratio

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

Bik-Rollover-IRA(083) Sharpe ratios as of Apr 16, 2026 (values are recalculated daily):

1-Year: 2.64
5-Year: 0.62
10-Year: 0.70
All Time: 0.68

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 2.19 to 3.00, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of Bik-Rollover-IRA(083) compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Dividends

Dividend yield

Bik-Rollover-IRA(083) provided a 1.56% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.56%	1.68%	1.71%	1.69%	1.83%	1.54%	1.58%	1.85%	2.06%	1.69%	1.84%	1.88%
Portfolio components:
FNDX Schwab Fundamental U.S. Large Company Index ETF	1.55%	1.63%	1.76%	1.82%	2.07%	1.64%	2.29%	2.23%	2.40%	1.86%	2.01%	2.01%
VONG Vanguard Russell 1000 Growth ETF	0.46%	0.45%	0.55%	0.71%	0.98%	0.58%	0.77%	1.03%	1.18%	1.19%	1.48%	1.47%
SPYM State Street SPDR Portfolio S&P 500 ETF	1.07%	1.13%	1.28%	1.44%	1.69%	1.25%	1.54%	1.79%	2.23%	1.75%	1.97%	1.98%
FHLC Fidelity MSCI Health Care Index ETF	1.42%	1.40%	1.51%	1.40%	1.30%	1.16%	1.45%	1.18%	1.38%	1.38%	1.40%	2.07%
IJH iShares Core S&P Mid-Cap ETF	1.25%	1.36%	1.33%	1.46%	1.68%	1.18%	1.28%	1.63%	1.72%	1.19%	1.60%	1.56%
IMCV iShares Morningstar Mid-Cap ETF	2.01%	2.23%	2.36%	2.30%	2.36%	1.86%	2.61%	2.45%	2.61%	1.87%	2.09%	2.29%
MDYG SPDR S&P 400 Mid Cap Growth ETF	0.66%	0.75%	0.87%	1.20%	1.16%	0.69%	0.71%	1.21%	1.36%	2.23%	1.25%	2.51%
MDYV SPDR S&P 400 Mid Cap Value ETF	1.78%	1.72%	1.89%	1.59%	1.90%	1.74%	1.69%	1.83%	2.28%	2.48%	1.83%	4.31%
SCHF Schwab International Equity ETF	3.10%	3.42%	3.26%	2.97%	2.80%	3.19%	2.08%	2.95%	3.06%	2.35%	2.58%	2.26%
XLRE Real Estate Select Sector SPDR Fund	3.22%	3.45%	3.43%	3.31%	3.70%	2.61%	3.15%	3.06%	3.78%	3.25%	4.22%	1.09%

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

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Worst Drawdowns

The table below displays the maximum drawdowns of the Bik-Rollover-IRA(083). A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Bik-Rollover-IRA(083) was 35.06%, occurring on Mar 23, 2020. Recovery took 163 trading sessions.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-35.06%	Feb 18, 2020	35	Mar 23, 2020	163	Sep 2, 2020	198
-23.59%	Jan 5, 2022	269	Sep 30, 2022	440	Dec 14, 2023	709
-18.65%	Sep 21, 2018	95	Dec 24, 2018	189	Jul 1, 2019	284
-17.57%	Dec 5, 2024	125	Apr 8, 2025	79	Jun 26, 2025	204
-13.54%	Nov 4, 2015	100	Feb 11, 2016	68	Apr 19, 2016	168

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.

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Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 14 assets, with an effective number of assets of 10.86, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	Benchmark	USD=X	XLRE	FHLC	XSMO	VONG	SCHF	SCHG	SPDW	IMCV	MDYV	MDYG	FNDX	SPYM	IJH	Portfolio
Benchmark	1.00	0.00	0.55	0.71	0.75	0.94	0.80	0.94	0.80	0.78	0.79	0.86	0.90	0.98	0.85	0.96
USD=X	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
XLRE	0.55	0.00	1.00	0.47	0.43	0.42	0.45	0.41	0.46	0.54	0.52	0.52	0.51	0.50	0.53	0.56
FHLC	0.71	0.00	0.47	1.00	0.54	0.58	0.56	0.58	0.56	0.55	0.54	0.62	0.62	0.63	0.59	0.65
XSMO	0.75	0.00	0.43	0.54	1.00	0.63	0.61	0.63	0.62	0.71	0.77	0.83	0.72	0.71	0.83	0.79
VONG	0.94	0.00	0.42	0.58	0.63	1.00	0.66	0.97	0.66	0.54	0.58	0.73	0.68	0.87	0.68	0.81
SCHF	0.80	0.00	0.45	0.56	0.61	0.66	1.00	0.65	0.99	0.68	0.67	0.69	0.74	0.73	0.70	0.81
SCHG	0.94	0.00	0.41	0.58	0.63	0.97	0.65	1.00	0.66	0.55	0.59	0.73	0.68	0.87	0.68	0.81
SPDW	0.80	0.00	0.46	0.56	0.62	0.66	0.99	0.66	1.00	0.69	0.68	0.70	0.74	0.73	0.71	0.82
IMCV	0.78	0.00	0.54	0.55	0.71	0.54	0.68	0.55	0.69	1.00	0.90	0.79	0.89	0.72	0.86	0.83
MDYV	0.79	0.00	0.52	0.54	0.77	0.58	0.67	0.59	0.68	0.90	1.00	0.85	0.87	0.73	0.94	0.86
MDYG	0.86	0.00	0.52	0.62	0.83	0.73	0.69	0.73	0.70	0.79	0.85	1.00	0.81	0.80	0.94	0.90
FNDX	0.90	0.00	0.51	0.62	0.72	0.68	0.74	0.68	0.74	0.89	0.87	0.81	1.00	0.84	0.87	0.90
SPYM	0.98	0.00	0.50	0.63	0.71	0.87	0.73	0.87	0.73	0.72	0.73	0.80	0.84	1.00	0.80	0.91
IJH	0.85	0.00	0.53	0.59	0.83	0.68	0.70	0.68	0.71	0.86	0.94	0.94	0.87	0.80	1.00	0.91
Portfolio	0.96	0.00	0.56	0.65	0.79	0.81	0.81	0.81	0.82	0.83	0.86	0.90	0.90	0.91	0.91	1.00

The correlation results are calculated based on daily price changes starting from Oct 9, 2015

Bik-Rollover-IRA(083)

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table