Dave Ramsey + John Bogle + Paul Merriman

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Dave Ramsey + John Bogle + Paul Merriman

Currency in USD · Last updated May 20, 2025

Asset Allocation

Position	Category/Sector	Target Weight
DFLVX DFA U.S. Large Cap Value Portfolio	Large Cap Value Equities	5%
DFSVX DFA U.S. Small Cap Value Portfolio I	Small Cap Value Equities	15%
FNDX Schwab Fundamental U.S. Large Company Index ETF	Large Cap Blend Equities	5%
PARWX Parnassus Endeavor Fund	Large Cap Value Equities	5%
POAGX PrimeCap Odyssey Aggressive Growth Fund	Mid Cap Growth Equities	5%
PRNHX T. Rowe Price New Horizons Fund	Mid Cap Growth Equities	5%
QQQ Invesco QQQ	Large Cap Blend Equities	17.50%
RPMGX T. Rowe Price Mid-Cap Growth Fund	Mid Cap Growth Equities	5%
SCHA Schwab U.S. Small-Cap ETF	Small Cap Growth Equities	5%
SCHD Schwab US Dividend Equity ETF	Large Cap Growth Equities, Dividend	5%
SCHG Schwab U.S. Large-Cap Growth ETF	Large Cap Growth Equities	7.50%
SCHM Schwab US Mid-Cap ETF	Mid Cap Growth Equities	5%
SWPPX Schwab S&P 500 Index Fund	Large Cap Blend Equities	15%

Benchmark

S&P 500

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is Aug 15, 2013, corresponding to the inception date of FNDX

Returns By Period

As of May 20, 2025, the Dave Ramsey + John Bogle + Paul Merriman returned -0.55% Year-To-Date and 10.93% of annualized return in the last 10 years.

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	1.39%	12.89%	1.19%	12.45%	14.95%	10.86%
Dave Ramsey + John Bogle + Paul Merriman	-0.55%	13.09%	-2.77%	6.69%	14.87%	10.93%
Portfolio components:
SWPPX Schwab S&P 500 Index Fund	1.91%	13.18%	1.86%	13.93%	16.68%	12.58%
SCHD Schwab US Dividend Equity ETF	-1.83%	4.56%	-5.98%	3.40%	13.20%	10.65%
DFLVX DFA U.S. Large Cap Value Portfolio	2.03%	7.73%	-3.41%	4.22%	13.10%	5.71%
QQQ Invesco QQQ	2.26%	17.54%	4.72%	16.26%	18.41%	17.72%
FNDX Schwab Fundamental U.S. Large Company Index ETF	1.84%	9.09%	-0.98%	8.69%	17.50%	11.31%
PARWX Parnassus Endeavor Fund	1.26%	12.21%	-7.19%	-1.34%	11.90%	6.83%
SCHG Schwab U.S. Large-Cap Growth ETF	-0.36%	17.10%	2.58%	17.63%	18.84%	15.85%
SCHM Schwab US Mid-Cap ETF	0.25%	13.06%	-2.44%	6.24%	14.03%	9.68%
POAGX PrimeCap Odyssey Aggressive Growth Fund	-0.73%	14.62%	-8.09%	-2.95%	1.17%	2.16%
RPMGX T. Rowe Price Mid-Cap Growth Fund	-1.23%	12.34%	-10.39%	-7.51%	2.25%	1.84%
PRNHX T. Rowe Price New Horizons Fund	-6.67%	10.74%	-8.75%	-3.43%	3.07%	9.70%
SCHA Schwab U.S. Small-Cap ETF	-4.39%	13.01%	-6.89%	3.24%	12.02%	7.56%
DFSVX DFA U.S. Small Cap Value Portfolio I	-5.51%	12.49%	-9.60%	-1.54%	19.68%	7.67%

*Annualized

Monthly Returns

The table below presents the monthly returns of Dave Ramsey + John Bogle + Paul Merriman , with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2025	3.26%	-2.98%	-6.06%	-1.74%	7.54%								-0.55%
2024	-0.01%	4.53%	3.58%	-5.09%	4.31%	1.87%	3.28%	0.75%	1.76%	-0.95%	7.27%	-5.42%	16.16%
2023	8.42%	-1.86%	1.35%	-0.13%	0.63%	7.26%	4.31%	-2.20%	-4.78%	-3.75%	9.14%	6.49%	26.33%
2022	-6.47%	-1.74%	2.40%	-9.22%	0.29%	-8.62%	9.73%	-3.48%	-9.39%	8.67%	5.36%	-6.81%	-19.83%
2021	1.27%	4.69%	3.63%	4.55%	0.72%	2.30%	0.78%	2.95%	-3.97%	5.76%	-2.13%	2.35%	24.93%
2020	-0.86%	-7.79%	-15.54%	14.17%	5.88%	3.29%	5.35%	6.64%	-3.49%	-0.44%	13.70%	4.74%	23.94%
2019	9.86%	3.76%	0.61%	4.03%	-7.63%	7.49%	1.56%	-3.41%	1.99%	2.46%	4.07%	2.32%	29.32%
2018	5.57%	-3.33%	-1.34%	-0.02%	4.15%	0.52%	2.90%	4.02%	-0.55%	-8.41%	1.18%	-11.17%	-7.65%
2017	2.20%	3.11%	0.53%	1.40%	1.04%	0.76%	1.96%	0.07%	2.99%	2.38%	2.92%	0.13%	21.25%
2016	-6.75%	0.26%	7.33%	0.03%	2.27%	-0.58%	5.04%	0.89%	0.96%	-2.57%	5.75%	0.99%	13.60%
2015	-2.77%	6.37%	-0.48%	0.18%	1.68%	-1.35%	1.11%	-5.68%	-3.26%	7.85%	0.77%	-3.56%	0.02%
2014	-2.68%	5.00%	-0.35%	-0.85%	2.33%	3.35%	-2.13%	4.61%	-2.78%	3.08%	2.27%	-0.60%	11.36%

Expense Ratio

Dave Ramsey + John Bogle + Paul Merriman has an expense ratio of 0.27%, 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.

PARWX

Parnassus Endeavor Fund

PRNHX

T. Rowe Price New Horizons Fund

RPMGX

T. Rowe Price Mid-Cap Growth Fund

POAGX

PrimeCap Odyssey Aggressive Growth Fund

DFSVX

DFA U.S. Small Cap Value Portfolio I

FNDX

Schwab Fundamental U.S. Large Company Index ETF

DFLVX

DFA U.S. Large Cap Value Portfolio

QQQ

Invesco QQQ

SCHD

Schwab US Dividend Equity ETF

SCHG

Schwab U.S. Large-Cap Growth ETF

SCHM

Schwab US Mid-Cap ETF

SCHA

Schwab U.S. Small-Cap ETF

SWPPX

Schwab S&P 500 Index Fund

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of Dave Ramsey + John Bogle + Paul Merriman is 10, meaning it’s performing worse than 90% of other portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SWPPX Schwab S&P 500 Index Fund	0.72	1.11	1.16	0.74	2.84
SCHD Schwab US Dividend Equity ETF	0.21	0.40	1.05	0.21	0.64
DFLVX DFA U.S. Large Cap Value Portfolio	0.24	0.48	1.06	0.26	0.86
QQQ Invesco QQQ	0.64	1.04	1.15	0.70	2.29
FNDX Schwab Fundamental U.S. Large Company Index ETF	0.51	0.85	1.12	0.54	2.08
PARWX Parnassus Endeavor Fund	-0.07	-0.02	1.00	-0.09	-0.25
SCHG Schwab U.S. Large-Cap Growth ETF	0.70	1.11	1.15	0.74	2.45
SCHM Schwab US Mid-Cap ETF	0.29	0.51	1.07	0.23	0.74
POAGX PrimeCap Odyssey Aggressive Growth Fund	-0.11	0.00	1.00	-0.08	-0.30
RPMGX T. Rowe Price Mid-Cap Growth Fund	-0.35	-0.34	0.95	-0.20	-0.65
PRNHX T. Rowe Price New Horizons Fund	-0.14	-0.09	0.99	-0.10	-0.43
SCHA Schwab U.S. Small-Cap ETF	0.14	0.32	1.04	0.09	0.27
DFSVX DFA U.S. Small Cap Value Portfolio I	-0.06	0.07	1.01	-0.07	-0.18

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.

Dave Ramsey + John Bogle + Paul Merriman Sharpe ratios as of May 20, 2025 (values are recalculated daily):

1-Year: 0.33
5-Year: 0.78
10-Year: 0.57
All Time: 0.65

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 0.57 to 1.05, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of Dave Ramsey + John Bogle + Paul Merriman compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.

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Dividends

Dividend yield

Dave Ramsey + John Bogle + Paul Merriman provided a 1.75% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	1.75%	1.70%	1.51%	2.36%	3.95%	1.90%	2.02%	3.59%	2.50%	2.23%	2.87%	2.65%
Portfolio components:
SWPPX Schwab S&P 500 Index Fund	1.21%	1.23%	1.43%	1.67%	1.17%	1.81%	1.77%	2.20%	1.75%	1.99%	2.15%	1.80%
SCHD Schwab US Dividend Equity ETF	3.91%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%	2.63%
DFLVX DFA U.S. Large Cap Value Portfolio	1.89%	1.87%	1.99%	2.05%	1.54%	1.97%	1.93%	2.22%	1.80%	1.90%	2.14%	1.72%
QQQ Invesco QQQ	0.57%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%	1.41%
FNDX Schwab Fundamental U.S. Large Company Index ETF	1.78%	1.76%	1.82%	2.07%	1.64%	2.29%	2.23%	2.40%	1.87%	2.90%	2.01%	1.62%
PARWX Parnassus Endeavor Fund	8.14%	8.25%	1.76%	2.97%	16.75%	0.70%	0.79%	12.34%	6.32%	3.27%	10.26%	6.72%
SCHG Schwab U.S. Large-Cap Growth ETF	0.41%	0.40%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%	1.09%
SCHM Schwab US Mid-Cap ETF	1.40%	1.43%	1.50%	1.67%	1.14%	1.31%	1.48%	1.56%	1.27%	1.51%	1.54%	1.48%
POAGX PrimeCap Odyssey Aggressive Growth Fund	0.03%	0.03%	0.02%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.01%	0.17%
RPMGX T. Rowe Price Mid-Cap Growth Fund	0.00%	0.00%	0.06%	0.00%	0.00%	0.00%	0.21%	0.16%	0.00%	0.00%	0.00%	0.00%
PRNHX T. Rowe Price New Horizons Fund	5.26%	4.91%	0.00%	4.72%	17.09%	13.58%	11.73%	13.94%	8.27%	5.77%	7.72%	11.65%
SCHA Schwab U.S. Small-Cap ETF	1.59%	1.51%	1.42%	1.37%	1.19%	1.05%	1.39%	1.62%	1.24%	1.50%	1.48%	1.45%
DFSVX DFA U.S. Small Cap Value Portfolio I	1.61%	1.47%	3.67%	6.77%	10.40%	1.96%	2.83%	7.54%	5.62%	4.53%	5.83%	4.53%

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 Dave Ramsey + John Bogle + Paul Merriman . 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 Dave Ramsey + John Bogle + Paul Merriman was 35.63%, occurring on Mar 23, 2020. Recovery took 96 trading sessions.

The current Dave Ramsey + John Bogle + Paul Merriman drawdown is 6.50%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-35.63%	Feb 20, 2020	23	Mar 23, 2020	96	Aug 7, 2020	119
-27.07%	Nov 9, 2021	225	Sep 30, 2022	332	Jan 29, 2024	557
-23.48%	Aug 30, 2018	80	Dec 24, 2018	216	Nov 1, 2019	296
-22.17%	Dec 5, 2024	84	Apr 8, 2025	—	—	—
-18.34%	Jun 24, 2015	161	Feb 11, 2016	114	Jul 26, 2016	275

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 13 assets, with an effective number of assets of 9.64, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

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

	^GSPC	SCHD	QQQ	PRNHX	DFSVX	POAGX	SCHG	DFLVX	PARWX	SCHA	FNDX	RPMGX	SWPPX	SCHM	Portfolio
^GSPC	1.00	0.83	0.91	0.81	0.77	0.83	0.94	0.85	0.87	0.84	0.92	0.90	1.00	0.89	0.96
SCHD	0.83	1.00	0.64	0.62	0.80	0.66	0.67	0.90	0.83	0.78	0.92	0.77	0.83	0.83	0.83
QQQ	0.91	0.64	1.00	0.81	0.60	0.82	0.97	0.65	0.75	0.72	0.73	0.82	0.90	0.75	0.88
PRNHX	0.81	0.62	0.81	1.00	0.69	0.88	0.84	0.67	0.74	0.85	0.71	0.91	0.81	0.85	0.87
DFSVX	0.77	0.80	0.60	0.69	1.00	0.74	0.65	0.89	0.82	0.94	0.87	0.79	0.77	0.91	0.87
POAGX	0.83	0.66	0.82	0.88	0.74	1.00	0.84	0.73	0.80	0.86	0.75	0.88	0.83	0.86	0.90
SCHG	0.94	0.67	0.97	0.84	0.65	0.84	1.00	0.70	0.77	0.77	0.78	0.86	0.94	0.80	0.91
DFLVX	0.85	0.90	0.65	0.67	0.89	0.73	0.70	1.00	0.87	0.85	0.95	0.81	0.85	0.89	0.88
PARWX	0.87	0.83	0.75	0.74	0.82	0.80	0.77	0.87	1.00	0.85	0.88	0.85	0.87	0.87	0.91
SCHA	0.84	0.78	0.72	0.85	0.94	0.86	0.77	0.85	0.85	1.00	0.88	0.90	0.84	0.97	0.94
FNDX	0.92	0.92	0.73	0.71	0.87	0.75	0.78	0.95	0.88	0.88	1.00	0.85	0.92	0.91	0.92
RPMGX	0.90	0.77	0.82	0.91	0.79	0.88	0.86	0.81	0.85	0.90	0.85	1.00	0.90	0.93	0.94
SWPPX	1.00	0.83	0.90	0.81	0.77	0.83	0.94	0.85	0.87	0.84	0.92	0.90	1.00	0.89	0.96
SCHM	0.89	0.83	0.75	0.85	0.91	0.86	0.80	0.89	0.87	0.97	0.91	0.93	0.89	1.00	0.96
Portfolio	0.96	0.83	0.88	0.87	0.87	0.90	0.91	0.88	0.91	0.94	0.92	0.94	0.96	0.96	1.00

The correlation results are calculated based on daily price changes starting from Aug 16, 2013

Performance Analysis

Risk Analysis

Optimization

Factor Model

Dave Ramsey + John Bogle + Paul Merriman

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

Portfolios

Screeners

Community