Asset Allocation
Find the right asset allocation for Bucket 2: 2029-2031
Add portfolio to the optimizer to find optimal allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in Bucket 2: 2029-2031, 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 rebalanced Every 3 months.
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Returns By Period
| Position | 1D | 1M | 6M | YTD | 1Y | 3Y* | 5Y* | 10Y* | ALL TIME* |
|---|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | -0.19% | -0.76% | 7.25% | 8.73% | 18.21% | 17.95% | 11.30% | 13.09% | 8.08% |
Portfolio Bucket 2: 2029-2031 | -0.17% | -0.68% | 5.27% | 7.26% | 17.85% | 14.82% | 8.99% | — | 8.91% |
| Portfolio components: | |||||||||
FBALX Fidelity Balanced Fund | -0.68% | -0.52% | 8.21% | 9.63% | 18.91% | 14.96% | 8.98% | 11.49% | 9.11% |
FNDF Schwab Fundamental International Equity ETF | -0.63% | -2.61% | 11.64% | 16.58% | 35.80% | 20.51% | 13.79% | 11.49% | 8.84% |
FNDX Schwab Fundamental U.S. Large Company Index ETF | -0.41% | 1.29% | 12.05% | 16.05% | 28.69% | 18.92% | 13.63% | 13.94% | 13.03% |
IAU iShares Gold Trust | -0.20% | -5.02% | -12.66% | -7.17% | 19.36% | 26.56% | 17.02% | 11.43% | 10.67% |
PIMIX PIMCO Income Fund Institutional Class | -0.09% | -0.20% | 0.70% | 0.79% | 6.81% | 7.30% | 3.43% | 4.52% | 6.63% |
SWVXX Schwab Prime Advantage Money Fund Investor Shares | 0.00% | 0.29% | 1.74% | 1.74% | 3.80% | 4.27% | 3.06% | — | 2.97% |
VIGI Vanguard International Dividend Appreciation ETF | -0.86% | 1.16% | 2.02% | 4.36% | 9.16% | 9.50% | 4.71% | 7.73% | 8.51% |
VOO Vanguard S&P 500 ETF | -0.14% | -0.57% | 7.90% | 9.44% | 19.65% | 19.52% | 12.88% | 14.98% | 14.77% |
Monthly Returns
Based on dividend-adjusted daily data since May 25, 2021, Bucket 2: 2029-2031's average daily return is +0.04%, while the average monthly return is +0.74%. At this rate, an investment would double in approximately 7.8 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2023 with a return of +6.4%, while the worst month was Sep 2022 at -7.0%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Bucket 2: 2029-2031 closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +4.6%, while the worst single day was Apr 4, 2025 at -3.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.87% | 2.36% | -4.74% | 5.32% | 2.65% | -0.63% | -0.47% | 7.26% | |||||
| 2025 | 2.51% | 0.65% | -1.29% | 0.61% | 3.01% | 3.11% | 0.55% | 2.46% | 2.84% | 1.86% | 1.33% | 0.72% | 19.87% |
| 2024 | 0.58% | 2.14% | 2.90% | -2.50% | 3.19% | 1.16% | 2.23% | 1.87% | 1.77% | -1.53% | 2.64% | -2.33% | 12.55% |
| 2023 | 5.81% | -2.59% | 2.88% | 1.46% | -0.77% | 3.28% | 2.18% | -1.32% | -3.20% | -1.69% | 6.40% | 3.97% | 17.02% |
| 2022 | -2.95% | -1.46% | 1.03% | -5.65% | 0.26% | -5.96% | 4.88% | -3.23% | -6.96% | 3.87% | 6.03% | -2.58% | -12.93% |
| 2021 | 0.49% | 0.26% | 0.80% | 1.41% | -2.38% | 3.26% | -1.70% | 3.18% | 5.30% |
Benchmark Metrics
Bucket 2: 2029-2031 has an annualized alpha of 2.17%, beta of 0.55, and R2 of 0.87 versus S&P 500 Index. Calculated based on daily prices since May 25, 2021.
- This portfolio participated in 64.29% of S&P 500 Index downside but only 60.93% of its upside - more exposed to losses than it benefited from rallies.
- This portfolio generated an annualized alpha of 2.17% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
- Beta of 0.55 indicates this portfolio moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 2.17%
- Beta
- 0.55
- R²
- 0.87
- Upside Capture
- 60.93%
- Downside Capture
- 64.29%
Expense Ratio
Bucket 2: 2029-2031 has an expense ratio of 0.39%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Return for Risk
Risk / Return Rank
Bucket 2: 2029-2031 ranks 75 for risk / return — better than 75% of Portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for Bucket 2: 2029-2031 and compares them with S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 2.07 | 1.45 | +0.62 |
| Sortino ratioReturn per unit of downside risk | 2.89 | 2.03 | +0.86 |
| Omega ratioGain probability vs. loss probability | 1.39 | 1.26 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | 2.67 | 2.01 | +0.66 |
| Martin ratioReturn relative to average drawdown | 11.68 | 8.68 | +3.00 |
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Position | Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio |
|---|---|---|---|---|---|---|
FBALX Fidelity Balanced Fund | 82 | 2.05 | 2.88 | 1.38 | 2.95 | 13.64 |
FNDF Schwab Fundamental International Equity ETF | 86 | 2.22 | 2.94 | 1.40 | 3.39 | 11.89 |
FNDX Schwab Fundamental U.S. Large Company Index ETF | 94 | 2.81 | 3.93 | 1.52 | 4.75 | 18.42 |
IAU iShares Gold Trust | 25 | 0.70 | 1.04 | 1.15 | 0.74 | 1.72 |
PIMIX PIMCO Income Fund Institutional Class | 56 | 1.72 | 2.51 | 1.33 | 1.91 | 6.39 |
SWVXX Schwab Prime Advantage Money Fund Investor Shares | — | 3.71 | — | — | — | — |
VIGI Vanguard International Dividend Appreciation ETF | 26 | 0.71 | 1.08 | 1.13 | 0.86 | 3.05 |
VOO Vanguard S&P 500 ETF | 65 | 1.57 | 2.19 | 1.28 | 2.22 | 9.63 |
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Dividends
Dividend yield
Bucket 2: 2029-2031 provided a 4.12% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 4.12% | 4.43% | 4.54% | 3.02% | 5.20% | 6.01% | 4.12% | 3.75% | 6.67% | 5.11% | 3.05% | 5.46% |
| Portfolio components: | ||||||||||||
FBALX Fidelity Balanced Fund | 5.19% | 5.69% | 5.67% | 2.28% | 8.06% | 9.66% | 5.90% | 4.24% | 10.99% | 7.90% | 3.07% | 7.70% |
FNDF Schwab Fundamental International Equity ETF | 3.12% | 3.44% | 4.01% | 3.41% | 3.10% | 3.54% | 2.17% | 3.20% | 3.47% | 2.32% | 2.42% | 2.08% |
FNDX Schwab Fundamental U.S. Large Company Index ETF | 1.47% | 1.63% | 1.76% | 1.82% | 2.07% | 1.64% | 2.29% | 2.23% | 2.40% | 1.86% | 2.01% | 2.01% |
IAU iShares Gold Trust | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
PIMIX PIMCO Income Fund Institutional Class | 5.80% | 6.01% | 6.27% | 6.21% | 4.98% | 4.02% | 4.88% | 5.83% | 5.66% | 5.37% | 5.52% | 7.88% |
SWVXX Schwab Prime Advantage Money Fund Investor Shares | 3.73% | 4.06% | 5.02% | 4.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VIGI Vanguard International Dividend Appreciation ETF | 2.11% | 2.14% | 1.93% | 1.92% | 2.06% | 7.02% | 1.29% | 1.83% | 1.99% | 1.75% | 1.05% | 0.00% |
VOO Vanguard S&P 500 ETF | 1.08% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
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 Bucket 2: 2029-2031. 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 Bucket 2: 2029-2031 was 19.39%, occurring on Oct 14, 2022. Recovery took 293 trading sessions.
The current Bucket 2: 2029-2031 drawdown is 1.37%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-19.39%Oct 2022 | 9mo 12d | 1y 2mo | 1y 11moJan 2022 - Dec 2023 | Bear market2022 |
-8.76%Apr 2025 | 1mo 18d | 1mo 5d | 2mo 23dFeb 2025 - May 2025 | 2025 selloff2025 |
-6.72%Mar 2026 | 25d | 21d | 1mo 16dMar 2026 - Apr 2026 | — |
-4.01%Aug 2024 | 21d | 12d | 1mo 3dJul 2024 - Aug 2024 | — |
-3.75%Dec 2021 | 22d | 1mo 3d | 1mo 25dNov 2021 - Jan 2022 | — |
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 8 assets, with an effective number of assets of 3.88, reflecting the diversification based on asset allocation. Your portfolio is dominated by one or two holdings, which significantly increases concentration risk. Consider rebalancing toward more even weights or adding additional positions.
Diversification Ratio
1Y | 3Y | 5Y | All Time | |
|---|---|---|---|---|
Diversification Ratio | 1.22 | 1.22 | 1.18 | 1.18 |
The portfolio has a diversification ratio of 1.18, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.
Bucket 2: 2029-2031 correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.90 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.90 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since May 25, 2021 | 0.92 |
Benchmark Correlations
Correlation vs. S&P 500 Index. VOO has the highest benchmark correlation at 1.00, while SWVXX has the lowest at 0.01.
Asset Correlations Table
| SWVXX | IAU | PIMIX | FNDF | FNDX | VIGI | VOO | FBALX | |
|---|---|---|---|---|---|---|---|---|
| SWVXX | 1.00 | 0.03 | 0.10 | -0.02 | 0.02 | -0.00 | 0.01 | 0.00 |
| IAU | 0.03 | 1.00 | 0.35 | 0.34 | 0.14 | 0.32 | 0.13 | 0.19 |
| PIMIX | 0.10 | 0.35 | 1.00 | 0.43 | 0.35 | 0.48 | 0.36 | 0.47 |
| FNDF | -0.02 | 0.34 | 0.43 | 1.00 | 0.77 | 0.88 | 0.71 | 0.73 |
| FNDX | 0.02 | 0.14 | 0.35 | 0.77 | 1.00 | 0.74 | 0.88 | 0.84 |
| VIGI | -0.00 | 0.32 | 0.48 | 0.88 | 0.74 | 1.00 | 0.75 | 0.77 |
| VOO | 0.01 | 0.13 | 0.36 | 0.71 | 0.88 | 0.75 | 1.00 | 0.97 |
| FBALX | 0.00 | 0.19 | 0.47 | 0.73 | 0.84 | 0.77 | 0.97 | 1.00 |
Find what Bucket 2: 2029-2031 is missing
See which holdings overlap, where Bucket 2: 2029-2031 is concentrated, and which low-correlation assets could fill the gaps.
Analyze Diversification