Dave Ramsey + John Bogle + Paul Merriman

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 ETF	Large Cap Growth 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 U.S. Dividend Equity ETF	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, S&P 500	15%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Dave Ramsey + John Bogle + Paul Merriman , 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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The earliest data available for this chart is Aug 15, 2013, corresponding to the inception date of FNDX

Returns By Period

As of Apr 9, 2026, the Dave Ramsey + John Bogle + Paul Merriman returned 1.80% Year-To-Date and 14.54% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	2.51%	-0.19%	-0.92%	0.43%	36.13%	18.22%	10.44%	12.72%
Portfolio Dave Ramsey + John Bogle + Paul Merriman	1.16%	-0.07%	1.80%	3.92%	41.45%	18.29%	9.69%	14.54%
Portfolio components:
SWPPX Schwab S&P 500 Index Fund	0.12%	-2.52%	-3.02%	-1.45%	34.44%	18.85%	11.64%	14.34%
SCHD Schwab U.S. Dividend Equity ETF	0.98%	0.33%	13.46%	15.67%	31.80%	12.37%	8.29%	12.43%
DFLVX DFA U.S. Large Cap Value Portfolio	0.03%	0.42%	5.10%	9.19%	35.65%	15.40%	10.18%	11.40%
QQQ Invesco QQQ ETF	2.97%	-0.15%	-1.21%	-0.62%	46.38%	24.71%	13.13%	19.58%
FNDX Schwab Fundamental U.S. Large Company Index ETF	1.92%	1.71%	5.86%	9.40%	40.04%	18.31%	12.37%	13.73%
PARWX Parnassus Endeavor Fund	0.18%	-0.87%	0.70%	4.29%	38.43%	14.88%	7.39%	14.01%
SCHG Schwab U.S. Large-Cap Growth ETF	2.43%	-1.66%	-6.84%	-6.47%	36.84%	23.75%	12.49%	17.47%
SCHM Schwab US Mid-Cap ETF	3.15%	2.49%	8.18%	8.88%	43.68%	15.41%	6.59%	10.87%
POAGX PrimeCap Odyssey Aggressive Growth Fund	-0.21%	-3.17%	-4.95%	-0.43%	52.26%	16.40%	4.56%	13.03%
RPMGX T. Rowe Price Mid-Cap Growth Fund	-0.49%	-2.47%	-3.23%	3.08%	29.94%	14.00%	5.56%	11.52%

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

Monthly Returns

Based on dividend-adjusted daily data since Aug 16, 2013, Dave Ramsey + John Bogle + Paul Merriman 's average daily return is +0.06%, while the average monthly return is +1.16%. At this rate, your investment would double in approximately 5.0 years.

Historically, 67% of months were positive and 33% were negative. The best month was Apr 2020 with a return of +14.2%, while the worst month was Mar 2020 at -15.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Dave Ramsey + John Bogle + Paul Merriman closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +9.6%, while the worst single day was Mar 16, 2020 at -12.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.45%	0.71%	-4.82%	2.65%									1.80%
2025	3.26%	-2.98%	-6.06%	-1.74%	6.02%	5.04%	1.87%	3.46%	2.53%	1.87%	0.97%	0.50%	15.03%
2024	-0.01%	4.53%	3.55%	-5.10%	4.31%	1.83%	3.28%	0.75%	1.71%	-0.95%	7.27%	-3.56%	18.29%
2023	8.42%	-1.86%	1.35%	-0.13%	0.63%	7.25%	4.31%	-2.20%	-4.78%	-3.75%	9.17%	7.19%	27.18%
2022	-6.47%	-1.74%	2.38%	-9.22%	0.29%	-8.66%	9.73%	-3.48%	-9.44%	8.67%	5.45%	-6.16%	-19.30%
2021	1.27%	4.69%	3.62%	4.55%	0.72%	2.27%	0.78%	2.95%	-3.97%	5.76%	-1.50%	3.36%	26.92%

Benchmark Metrics

Dave Ramsey + John Bogle + Paul Merriman has an annualized alpha of 1.43%, beta of 1.03, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since August 16, 2013.

This portfolio captured 108.97% of S&P 500 Index gains and 101.41% of its losses — amplifying both gains and losses, but participating more in upside than downside.
With beta of 1.03 and R² of 0.95, 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: 1.43%

Beta: 1.03

R²: 0.95

Upside Capture: 108.97%

Downside Capture: 101.41%

Expense Ratio

Dave Ramsey + John Bogle + Paul Merriman has an expense ratio of 0.26%, 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

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 ETF

SCHD

Schwab U.S. Dividend Equity ETF

SCHG

Schwab U.S. Large-Cap Growth ETF

Return for Risk

Risk / Return Rank

Dave Ramsey + John Bogle + Paul Merriman ranks 73 for risk / return — better than 73% 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.

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	2.39	2.19	+0.20
Sortino ratio Return per unit of downside risk	3.71	3.49	+0.22
Omega ratio Gain probability vs. loss probability	1.50	1.48	+0.02
Calmar ratio Return relative to maximum drawdown	4.51	3.70	+0.80
Martin ratio Return relative to average drawdown	18.83	16.45	+2.39
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
SWPPX Schwab S&P 500 Index Fund	72	1.97	3.15	1.43	2.72	12.20
SCHD Schwab U.S. Dividend Equity ETF	80	2.32	3.71	1.45	5.81	14.18
DFLVX DFA U.S. Large Cap Value Portfolio	67	2.38	3.73	1.48	1.61	7.01
QQQ Invesco QQQ ETF	74	2.21	3.38	1.46	3.69	13.85
FNDX Schwab Fundamental U.S. Large Company Index ETF	91	2.82	4.47	1.60	6.05	22.39
PARWX Parnassus Endeavor Fund	78	2.35	3.63	1.47	2.41	10.04
SCHG Schwab U.S. Large-Cap Growth ETF	48	1.78	2.81	1.37	2.13	7.30
SCHM Schwab US Mid-Cap ETF	76	2.27	3.46	1.44	4.22	16.48
POAGX PrimeCap Odyssey Aggressive Growth Fund	69	2.20	3.15	1.41	2.36	10.23
RPMGX T. Rowe Price Mid-Cap Growth Fund	44	1.50	2.51	1.31	1.94	7.25

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.

Dave Ramsey + John Bogle + Paul Merriman Sharpe ratios as of Apr 9, 2026 (values are recalculated daily):

1-Year: 2.39
5-Year: 0.53
10-Year: 0.76
All Time: 0.75

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 2.13 to 2.98, 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 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.

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Dividends

Dividend yield

Dave Ramsey + John Bogle + Paul Merriman provided a 3.52% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	3.52%	3.52%	3.46%	2.19%	3.15%	5.00%	2.53%	3.26%	4.92%	3.10%	3.31%	4.26%
Portfolio components:
SWPPX Schwab S&P 500 Index Fund	1.14%	1.11%	1.23%	1.43%	1.67%	1.27%	1.81%	1.95%	2.67%	1.79%	2.55%	3.17%
SCHD Schwab U.S. Dividend Equity ETF	3.42%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
DFLVX DFA U.S. Large Cap Value Portfolio	1.60%	1.71%	1.87%	3.65%	4.56%	5.90%	1.97%	4.04%	7.83%	6.06%	3.77%	6.52%
QQQ Invesco QQQ ETF	0.46%	0.45%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%
FNDX Schwab Fundamental U.S. Large Company Index ETF	1.57%	1.63%	1.76%	1.82%	2.07%	1.64%	2.29%	2.23%	2.40%	1.86%	2.01%	2.01%
PARWX Parnassus Endeavor Fund	12.06%	12.14%	8.25%	1.76%	2.97%	16.75%	0.70%	0.79%	12.34%	6.32%	3.27%	10.26%
SCHG Schwab U.S. Large-Cap Growth ETF	0.41%	0.36%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%
SCHM Schwab US Mid-Cap ETF	1.34%	1.46%	1.43%	1.50%	1.67%	1.13%	1.31%	1.48%	1.56%	1.27%	1.51%	1.54%
POAGX PrimeCap Odyssey Aggressive Growth Fund	13.94%	13.25%	9.90%	5.54%	10.78%	5.93%	7.84%	5.33%	7.82%	0.86%	16.63%	12.52%
RPMGX T. Rowe Price Mid-Cap Growth Fund	13.13%	12.70%	20.43%	6.35%	2.60%	10.52%	4.53%	5.29%	12.12%	8.04%	3.45%	9.51%

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 97 trading sessions.

The current Dave Ramsey + John Bogle + Paul Merriman drawdown is 3.31%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-35.63%	Feb 20, 2020	23	Mar 23, 2020	97	Aug 10, 2020	120
-26.09%	Nov 19, 2021	218	Sep 30, 2022	306	Dec 19, 2023	524
-22.28%	Aug 30, 2018	80	Dec 24, 2018	137	Jul 12, 2019	217
-20.64%	Dec 5, 2024	84	Apr 8, 2025	58	Jul 2, 2025	142
-17.02%	Jun 24, 2015	161	Feb 11, 2016	104	Jul 12, 2016	265

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.

	Benchmark	SCHD	QQQ	PRNHX	DFSVX	SCHG	POAGX	DFLVX	PARWX	SCHA	FNDX	RPMGX	SWPPX	SCHM	Portfolio
Benchmark	1.00	0.81	0.91	0.80	0.76	0.94	0.84	0.85	0.87	0.84	0.91	0.88	0.99	0.88	0.96
SCHD	0.81	1.00	0.62	0.61	0.79	0.64	0.64	0.90	0.82	0.77	0.92	0.76	0.80	0.82	0.82
QQQ	0.91	0.62	1.00	0.80	0.59	0.97	0.83	0.65	0.76	0.72	0.73	0.80	0.90	0.75	0.88
PRNHX	0.80	0.61	0.80	1.00	0.70	0.83	0.88	0.68	0.74	0.85	0.71	0.90	0.80	0.85	0.87
DFSVX	0.76	0.79	0.59	0.70	1.00	0.63	0.74	0.89	0.82	0.94	0.87	0.79	0.76	0.91	0.87
SCHG	0.94	0.64	0.97	0.83	0.63	1.00	0.84	0.69	0.77	0.76	0.77	0.84	0.94	0.79	0.90
POAGX	0.84	0.64	0.83	0.88	0.74	0.84	1.00	0.72	0.80	0.87	0.75	0.87	0.83	0.86	0.90
DFLVX	0.85	0.90	0.65	0.68	0.89	0.69	0.72	1.00	0.87	0.86	0.96	0.81	0.85	0.90	0.89
PARWX	0.87	0.82	0.76	0.74	0.82	0.77	0.80	0.87	1.00	0.85	0.89	0.85	0.87	0.88	0.91
SCHA	0.84	0.77	0.72	0.85	0.94	0.76	0.87	0.86	0.85	1.00	0.88	0.89	0.83	0.97	0.94
FNDX	0.91	0.92	0.73	0.71	0.87	0.77	0.75	0.96	0.89	0.88	1.00	0.84	0.91	0.91	0.92
RPMGX	0.88	0.76	0.80	0.90	0.79	0.84	0.87	0.81	0.85	0.89	0.84	1.00	0.88	0.93	0.93
SWPPX	0.99	0.80	0.90	0.80	0.76	0.94	0.83	0.85	0.87	0.83	0.91	0.88	1.00	0.88	0.96
SCHM	0.88	0.82	0.75	0.85	0.91	0.79	0.86	0.90	0.88	0.97	0.91	0.93	0.88	1.00	0.95
Portfolio	0.96	0.82	0.88	0.87	0.87	0.90	0.90	0.89	0.91	0.94	0.92	0.93	0.96	0.95	1.00

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

Dave Ramsey + John Bogle + Paul Merriman

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