Dave Ramsey + John Bogle + Paul Merriman
Asset Allocation
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.
The earliest data available for this chart is Aug 15, 2013, corresponding to the inception date of FNDX
Returns By Period
As of Apr 29, 2025, the Dave Ramsey + John Bogle + Paul Merriman returned -7.79% Year-To-Date and 11.19% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -6.00% | -0.94% | -5.06% | 8.41% | 13.52% | 10.15% |
| Dave Ramsey + John Bogle + Paul Merriman | -7.79% | -1.32% | -6.94% | 5.22% | 14.18% | 11.19% |
| Portfolio components: | ||||||
SWPPX Schwab S&P 500 Index Fund | -5.63% | -0.85% | -4.45% | 9.85% | 15.25% | 11.87% |
SCHD Schwab US Dividend Equity ETF | -4.75% | -6.49% | -7.26% | 3.70% | 12.33% | 10.39% |
DFLVX DFA U.S. Large Cap Value Portfolio | -2.90% | -4.19% | -5.87% | 1.93% | 11.49% | 5.29% |
QQQ Invesco QQQ | -7.46% | 0.74% | -4.34% | 10.28% | 17.43% | 16.75% |
FNDX Schwab Fundamental U.S. Large Company Index ETF | -3.67% | -2.87% | -4.43% | 8.61% | 18.60% | 13.16% |
PARWX Parnassus Endeavor Fund | -6.25% | -3.78% | -13.16% | -6.51% | 9.51% | 6.17% |
SCHG Schwab U.S. Large-Cap Growth ETF | -9.34% | 0.88% | -4.94% | 11.94% | 17.84% | 14.97% |
SCHM Schwab US Mid-Cap ETF | -7.71% | -2.56% | -8.03% | 1.78% | 12.20% | 9.02% |
POAGX PrimeCap Odyssey Aggressive Growth Fund | -7.74% | -0.85% | -14.45% | -5.64% | 0.33% | 1.52% |
RPMGX T. Rowe Price Mid-Cap Growth Fund | -8.39% | -1.41% | -16.59% | -11.56% | 1.16% | 1.29% |
PRNHX T. Rowe Price New Horizons Fund | -11.95% | -1.96% | -12.35% | -6.92% | 3.25% | 9.38% |
SCHA Schwab U.S. Small-Cap ETF | -11.48% | -2.73% | -11.28% | -0.11% | 10.26% | 6.98% |
DFSVX DFA U.S. Small Cap Value Portfolio I | -12.79% | -4.90% | -12.70% | -5.13% | 16.55% | 7.00% |
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 | 2.92% | -2.81% | -6.38% | -1.54% | -7.79% | ||||||||
| 2024 | 0.51% | 4.77% | 3.13% | -4.91% | 4.72% | 3.06% | 1.99% | 0.99% | 2.05% | -0.86% | 6.82% | -3.69% | 19.49% |
| 2023 | 8.49% | -1.71% | 2.49% | 0.11% | 1.84% | 7.07% | 4.15% | -2.01% | -4.80% | -3.28% | 9.43% | 6.39% | 30.54% |
| 2022 | -7.12% | -2.38% | 2.83% | -10.06% | -0.25% | -8.47% | 10.14% | -3.70% | -9.51% | 7.92% | 5.24% | -6.92% | -22.31% |
| 2021 | 0.76% | 3.43% | 2.95% | 4.94% | 0.25% | 3.14% | 1.29% | 3.25% | -4.29% | 6.24% | -1.53% | 2.23% | 24.64% |
| 2020 | -0.14% | -7.47% | -14.18% | 14.23% | 6.27% | 3.75% | 5.90% | 7.41% | -3.60% | -1.19% | 12.77% | 4.59% | 27.62% |
| 2019 | 9.69% | 3.73% | 1.01% | 4.14% | -7.47% | 7.45% | 1.65% | -3.02% | 1.67% | 2.63% | 4.12% | 2.56% | 30.71% |
| 2018 | 5.78% | -3.21% | -1.51% | -0.02% | 4.26% | 0.62% | 2.86% | 4.23% | -0.50% | -8.43% | 1.10% | -10.81% | -6.83% |
| 2017 | 2.26% | 3.15% | 0.55% | 1.50% | 1.18% | 0.60% | 2.08% | 0.20% | 2.82% | 2.50% | 2.88% | 0.30% | 21.92% |
| 2016 | -6.73% | 0.14% | 7.29% | -0.11% | 2.34% | -0.54% | 5.07% | 0.85% | 0.97% | -2.51% | 5.40% | 0.99% | 13.13% |
| 2015 | -2.74% | 6.38% | -0.51% | 0.22% | 1.70% | -1.33% | 1.24% | -5.72% | -3.19% | 7.98% | 0.74% | -3.44% | 0.47% |
| 2014 | -2.68% | 5.01% | -0.37% | -0.87% | 2.34% | 3.41% | -2.10% | 4.62% | -2.71% | 3.05% | 2.35% | -0.59% | 11.58% |
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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of Dave Ramsey + John Bogle + Paul Merriman is 17, meaning it’s performing worse than 83% 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.
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.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
SWPPX Schwab S&P 500 Index Fund | 0.54 | 0.88 | 1.13 | 0.56 | 2.28 |
SCHD Schwab US Dividend Equity ETF | 0.18 | 0.36 | 1.05 | 0.18 | 0.63 |
DFLVX DFA U.S. Large Cap Value Portfolio | 0.09 | 0.24 | 1.03 | 0.09 | 0.32 |
QQQ Invesco QQQ | 0.45 | 0.80 | 1.11 | 0.50 | 1.71 |
FNDX Schwab Fundamental U.S. Large Company Index ETF | 0.49 | 0.79 | 1.12 | 0.50 | 2.09 |
PARWX Parnassus Endeavor Fund | -0.35 | -0.36 | 0.95 | -0.28 | -0.85 |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.54 | 0.91 | 1.13 | 0.58 | 2.03 |
SCHM Schwab US Mid-Cap ETF | 0.08 | 0.27 | 1.04 | 0.08 | 0.26 |
POAGX PrimeCap Odyssey Aggressive Growth Fund | -0.19 | -0.09 | 0.99 | -0.11 | -0.48 |
RPMGX T. Rowe Price Mid-Cap Growth Fund | -0.53 | -0.59 | 0.91 | -0.29 | -1.04 |
PRNHX T. Rowe Price New Horizons Fund | -0.30 | -0.28 | 0.96 | -0.16 | -0.78 |
SCHA Schwab U.S. Small-Cap ETF | -0.01 | 0.16 | 1.02 | -0.00 | -0.02 |
DFSVX DFA U.S. Small Cap Value Portfolio I | -0.21 | -0.13 | 0.98 | -0.18 | -0.56 |
Dividends
Dividend yield
Dave Ramsey + John Bogle + Paul Merriman provided a 1.50% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.50% | 1.34% | 1.48% | 2.27% | 3.22% | 1.90% | 2.05% | 3.13% | 2.29% | 2.20% | 2.66% | 2.40% |
| Portfolio components: | ||||||||||||
SWPPX Schwab S&P 500 Index Fund | 1.30% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% | 1.80% |
SCHD Schwab US Dividend Equity ETF | 4.03% | 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 | 1.98% | 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 | 0.63% | 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 | 1.88% | 1.76% | 1.82% | 2.07% | 1.64% | 2.29% | 2.23% | 2.40% | 1.86% | 2.90% | 2.01% | 1.62% |
PARWX Parnassus Endeavor Fund | 1.14% | 1.07% | 1.20% | 1.19% | 1.80% | 0.70% | 0.79% | 1.80% | 2.08% | 0.98% | 3.11% | 1.71% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.45% | 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 | 1.53% | 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 | 5.58% | 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 | 1.71% | 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 | 1.74% | 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.
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 34.45%, occurring on Mar 23, 2020. Recovery took 91 trading sessions.
The current Dave Ramsey + John Bogle + Paul Merriman drawdown is 12.12%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.45% | Feb 20, 2020 | 23 | Mar 23, 2020 | 91 | Jul 31, 2020 | 114 |
| -28.23% | Nov 9, 2021 | 235 | Oct 14, 2022 | 317 | Jan 22, 2024 | 552 |
| -23.25% | Aug 30, 2018 | 80 | Dec 24, 2018 | 145 | Jul 24, 2019 | 225 |
| -21.27% | Dec 5, 2024 | 84 | Apr 8, 2025 | — | — | — |
| -17.99% | Jun 24, 2015 | 161 | Feb 11, 2016 | 110 | Jul 20, 2016 | 271 |
Volatility
Volatility Chart
The current Dave Ramsey + John Bogle + Paul Merriman volatility is 15.02%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
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
| ^GSPC | SCHD | QQQ | DFSVX | PRNHX | POAGX | DFLVX | SCHG | PARWX | FNDX | SCHA | RPMGX | SCHM | SWPPX | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.84 | 0.91 | 0.77 | 0.81 | 0.83 | 0.85 | 0.94 | 0.87 | 0.91 | 0.84 | 0.90 | 0.89 | 1.00 | 0.97 |
| SCHD | 0.84 | 1.00 | 0.64 | 0.80 | 0.62 | 0.66 | 0.90 | 0.67 | 0.83 | 0.92 | 0.78 | 0.77 | 0.83 | 0.83 | 0.80 |
| QQQ | 0.91 | 0.64 | 1.00 | 0.60 | 0.81 | 0.82 | 0.65 | 0.97 | 0.75 | 0.73 | 0.72 | 0.82 | 0.75 | 0.90 | 0.91 |
| DFSVX | 0.77 | 0.80 | 0.60 | 1.00 | 0.69 | 0.74 | 0.89 | 0.65 | 0.82 | 0.87 | 0.94 | 0.79 | 0.91 | 0.77 | 0.83 |
| PRNHX | 0.81 | 0.62 | 0.81 | 0.69 | 1.00 | 0.88 | 0.67 | 0.85 | 0.74 | 0.71 | 0.85 | 0.90 | 0.85 | 0.81 | 0.88 |
| POAGX | 0.83 | 0.66 | 0.82 | 0.74 | 0.88 | 1.00 | 0.72 | 0.84 | 0.80 | 0.75 | 0.86 | 0.88 | 0.86 | 0.83 | 0.90 |
| DFLVX | 0.85 | 0.90 | 0.65 | 0.89 | 0.67 | 0.72 | 1.00 | 0.70 | 0.86 | 0.95 | 0.85 | 0.81 | 0.89 | 0.85 | 0.85 |
| SCHG | 0.94 | 0.67 | 0.97 | 0.65 | 0.85 | 0.84 | 0.70 | 1.00 | 0.77 | 0.78 | 0.77 | 0.86 | 0.80 | 0.94 | 0.94 |
| PARWX | 0.87 | 0.83 | 0.75 | 0.82 | 0.74 | 0.80 | 0.86 | 0.77 | 1.00 | 0.88 | 0.85 | 0.85 | 0.87 | 0.87 | 0.89 |
| FNDX | 0.91 | 0.92 | 0.73 | 0.87 | 0.71 | 0.75 | 0.95 | 0.78 | 0.88 | 1.00 | 0.87 | 0.84 | 0.91 | 0.91 | 0.90 |
| SCHA | 0.84 | 0.78 | 0.72 | 0.94 | 0.85 | 0.86 | 0.85 | 0.77 | 0.85 | 0.87 | 1.00 | 0.90 | 0.97 | 0.84 | 0.91 |
| RPMGX | 0.90 | 0.77 | 0.82 | 0.79 | 0.90 | 0.88 | 0.81 | 0.86 | 0.85 | 0.84 | 0.90 | 1.00 | 0.93 | 0.90 | 0.94 |
| SCHM | 0.89 | 0.83 | 0.75 | 0.91 | 0.85 | 0.86 | 0.89 | 0.80 | 0.87 | 0.91 | 0.97 | 0.93 | 1.00 | 0.89 | 0.93 |
| SWPPX | 1.00 | 0.83 | 0.90 | 0.77 | 0.81 | 0.83 | 0.85 | 0.94 | 0.87 | 0.91 | 0.84 | 0.90 | 0.89 | 1.00 | 0.97 |
| Portfolio | 0.97 | 0.80 | 0.91 | 0.83 | 0.88 | 0.90 | 0.85 | 0.94 | 0.89 | 0.90 | 0.91 | 0.94 | 0.93 | 0.97 | 1.00 |