Roth IRA Retirement
40% - JEPI 40% - SCHD 10% - VOO 5% - QQQM 5% - VGT
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
JEPI JPMorgan Equity Premium Income ETF | Actively Managed, Dividend, Derivative Income | 40% |
QQQM Invesco NASDAQ 100 ETF | Large Cap Growth Equities | 5% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 40% |
VGT Vanguard Information Technology ETF | Technology Equities | 5% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 10% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Roth IRA Retirement , 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 Oct 13, 2020, corresponding to the inception date of QQQM
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.70% | 13.67% | -5.18% | 9.18% | 14.14% | 10.43% |
| Roth IRA Retirement | -2.95% | 9.64% | -5.78% | 5.81% | N/A | N/A |
| Portfolio components: | ||||||
JEPI JPMorgan Equity Premium Income ETF | -0.58% | 9.82% | -2.84% | 6.00% | N/A | N/A |
SCHD Schwab US Dividend Equity ETF | -4.79% | 6.00% | -9.18% | 2.30% | 12.67% | 10.38% |
VOO Vanguard S&P 500 ETF | -3.28% | 13.71% | -4.52% | 10.70% | 15.89% | 12.40% |
QQQM Invesco NASDAQ 100 ETF | -4.32% | 17.29% | -4.59% | 11.71% | N/A | N/A |
VGT Vanguard Information Technology ETF | -8.02% | 21.43% | -8.47% | 11.41% | 18.79% | 19.31% |
Monthly Returns
The table below presents the monthly returns of Roth IRA Retirement , 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 | 2.08% | 1.15% | -3.14% | -3.82% | 0.90% | -2.95% | |||||||
| 2024 | 1.13% | 2.71% | 3.16% | -3.81% | 2.92% | 1.26% | 3.25% | 2.45% | 1.55% | -0.39% | 4.77% | -4.50% | 14.97% |
| 2023 | 3.20% | -2.45% | 1.92% | 0.76% | -1.46% | 4.65% | 3.01% | -0.96% | -3.96% | -2.37% | 6.52% | 4.31% | 13.32% |
| 2022 | -3.83% | -1.98% | 3.30% | -5.25% | 1.42% | -6.39% | 5.67% | -3.24% | -7.56% | 8.88% | 5.93% | -3.56% | -7.90% |
| 2021 | -1.12% | 3.06% | 6.74% | 3.00% | 1.92% | 1.16% | 1.84% | 2.21% | -4.18% | 5.10% | -1.30% | 5.83% | 26.49% |
| 2020 | -5.10% | 10.42% | 3.17% | 8.10% |
Expense Ratio
Roth IRA Retirement has an expense ratio of 0.18%, 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 Roth IRA Retirement is 25, meaning it’s performing worse than 75% 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 | |
|---|---|---|---|---|---|
JEPI JPMorgan Equity Premium Income ETF | 0.44 | 0.78 | 1.13 | 0.51 | 2.22 |
SCHD Schwab US Dividend Equity ETF | 0.14 | 0.35 | 1.05 | 0.17 | 0.57 |
VOO Vanguard S&P 500 ETF | 0.56 | 0.92 | 1.13 | 0.58 | 2.25 |
QQQM Invesco NASDAQ 100 ETF | 0.47 | 0.82 | 1.11 | 0.51 | 1.68 |
VGT Vanguard Information Technology ETF | 0.39 | 0.71 | 1.10 | 0.41 | 1.34 |
Dividends
Dividend yield
Roth IRA Retirement provided a 5.04% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 5.04% | 4.57% | 4.97% | 6.28% | 3.92% | 3.79% | 1.43% | 1.50% | 1.28% | 1.42% | 1.46% | 1.29% |
| Portfolio components: | ||||||||||||
JEPI JPMorgan Equity Premium Income ETF | 8.07% | 7.33% | 8.40% | 11.67% | 6.59% | 5.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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% |
VOO Vanguard S&P 500 ETF | 1.34% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
QQQM Invesco NASDAQ 100 ETF | 0.62% | 0.61% | 0.65% | 0.83% | 0.40% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VGT Vanguard Information Technology ETF | 0.56% | 0.60% | 0.65% | 0.91% | 0.64% | 0.82% | 1.11% | 1.29% | 0.99% | 1.31% | 1.28% | 1.12% |
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 Roth IRA Retirement . 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 Roth IRA Retirement was 17.54%, occurring on Sep 30, 2022. Recovery took 201 trading sessions.
The current Roth IRA Retirement drawdown is 7.32%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -17.54% | Jan 5, 2022 | 186 | Sep 30, 2022 | 201 | Jul 21, 2023 | 387 |
| -15.47% | Dec 2, 2024 | 87 | Apr 8, 2025 | — | — | — |
| -8.86% | Aug 1, 2023 | 63 | Oct 27, 2023 | 30 | Dec 11, 2023 | 93 |
| -5.4% | Oct 19, 2020 | 8 | Oct 28, 2020 | 6 | Nov 5, 2020 | 14 |
| -4.82% | Jul 18, 2024 | 13 | Aug 5, 2024 | 9 | Aug 16, 2024 | 22 |
Volatility
Volatility Chart
The current Roth IRA Retirement volatility is 9.12%, 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 5 assets, with an effective number of assets of 2.99, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | SCHD | JEPI | VGT | QQQM | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.76 | 0.81 | 0.91 | 0.92 | 1.00 | 0.92 |
| SCHD | 0.76 | 1.00 | 0.81 | 0.54 | 0.54 | 0.76 | 0.93 |
| JEPI | 0.81 | 0.81 | 1.00 | 0.64 | 0.65 | 0.82 | 0.92 |
| VGT | 0.91 | 0.54 | 0.64 | 1.00 | 0.97 | 0.91 | 0.75 |
| QQQM | 0.92 | 0.54 | 0.65 | 0.97 | 1.00 | 0.92 | 0.76 |
| VOO | 1.00 | 0.76 | 0.82 | 0.91 | 0.92 | 1.00 | 0.92 |
| Portfolio | 0.92 | 0.93 | 0.92 | 0.75 | 0.76 | 0.92 | 1.00 |