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Early Retirement The One w/ SHV
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Diversification

Early Retirement The One w/ SHV

Currency in USD · Last updated May 21, 2025

Asset Allocation

GSY 13%SHV 6%SGOV 6%IAU 25%SCHD 30%MSFT 2.5%AAPL 2.5%GOOG 2.5%TSLA 2.5%NVDA 2.5%AMZN 2.5%NFLX 2.5%META 2.5%BondBondCommodityCommodityEquityEquity
PositionCategory/SectorTarget Weight
AAPL
Apple Inc		Technology
2.50%
AMZN
Amazon.com, Inc.		Consumer Cyclical
2.50%
GOOG
Alphabet Inc		Communication Services
2.50%
GSY
Invesco Ultra Short Duration ETF		Corporate Bonds, Actively Managed
13%
IAU
iShares Gold Trust		Precious Metals, Gold
25%
META
Meta Platforms, Inc.		Communication Services
2.50%
MSFT
Microsoft Corporation		Technology
2.50%
NFLX
Netflix, Inc.		Communication Services
2.50%
NVDA
NVIDIA Corporation		Technology
2.50%
SCHD
Schwab US Dividend Equity ETF		Large Cap Growth Equities, Dividend
30%
SGOV
iShares 0-3 Month Treasury Bond ETF		Government Bonds
6%
SHV
iShares Short Treasury Bond ETF		Government Bonds
6%
TSLA
Tesla, Inc.		Consumer Cyclical
2.50%

S&P 500

Performance

Performance Chart

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The earliest data available for this chart is May 28, 2020, corresponding to the inception date of SGOV

Returns By Period

YTD1M6M1Y5Y*10Y*
^GSPC
S&P 500		1.00%12.45%0.40%11.91%15.04%10.82%
Early Retirement The One w/ SHV6.17%4.50%6.03%18.75%N/AN/A
Portfolio components:
SCHD
Schwab US Dividend Equity ETF		-2.20%4.17%-5.84%3.53%13.30%10.61%
IAU
iShares Gold Trust		25.47%-0.81%24.89%35.37%13.51%10.30%
GSY
Invesco Ultra Short Duration ETF		1.81%0.49%2.43%5.64%3.00%2.51%
MSFT
Microsoft Corporation		9.12%24.81%10.31%8.54%21.12%27.40%
AAPL
Apple Inc		-17.20%5.15%-9.16%8.79%21.85%21.43%
GOOG
Alphabet Inc		-13.09%7.80%-7.73%-6.92%18.82%19.92%
TSLA
Tesla, Inc.		-14.86%42.45%-0.63%96.52%44.19%35.47%
NVDA
NVIDIA Corporation		0.08%32.41%-8.58%41.82%72.71%74.79%
AMZN
Amazon.com, Inc.		-6.98%18.23%-0.26%11.19%10.78%25.31%
NFLX
Netflix, Inc.		33.74%22.51%36.81%86.01%22.27%29.65%
META
Meta Platforms, Inc.		8.91%27.04%13.74%36.38%22.57%23.03%
SHV
iShares Short Treasury Bond ETF		1.56%0.30%2.12%4.78%2.49%1.84%
SGOV
iShares 0-3 Month Treasury Bond ETF		1.62%0.34%2.16%4.83%N/AN/A
*Annualized

Monthly Returns

The table below presents the monthly returns of Early Retirement The One w/ SHV, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.

JanFebMarAprMayJunJulAugSepOctNovDecTotal
20253.01%-0.03%0.49%-0.06%2.65%6.17%
20240.58%3.04%4.06%-1.32%3.49%2.10%2.53%1.74%2.79%1.68%2.60%-1.10%24.40%
20236.41%-1.19%4.73%0.14%3.07%3.93%3.30%-0.74%-4.07%-0.04%5.98%3.39%27.26%
2022-3.50%-0.30%2.43%-5.48%-0.26%-4.48%2.83%-2.51%-4.60%2.65%5.00%-1.82%-10.18%
2021-0.76%0.02%2.86%3.35%2.36%-0.14%1.21%2.41%-3.03%5.06%0.46%2.39%17.16%
20200.54%2.69%7.18%7.11%-4.04%-1.11%6.23%4.83%25.23%

Expense Ratio

Early Retirement The One w/ SHV has an expense ratio of 0.12%, 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.

IAU
iShares Gold Trust
GSY
Invesco Ultra Short Duration ETF
SCHD
Schwab US Dividend Equity ETF
SHV
iShares Short Treasury Bond ETF
SGOV
iShares 0-3 Month Treasury Bond ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 93, Early Retirement The One w/ SHV is among the top 7% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.

The Risk-Adjusted Performance Rank of Early Retirement The One w/ SHV is 9393
Overall Rank
The Sharpe Ratio Rank of Early Retirement The One w/ SHV is 9393
Sharpe Ratio Rank
The Sortino Ratio Rank of Early Retirement The One w/ SHV is 9292
Sortino Ratio Rank
The Omega Ratio Rank of Early Retirement The One w/ SHV is 9494
Omega Ratio Rank
The Calmar Ratio Rank of Early Retirement The One w/ SHV is 9393
Calmar Ratio Rank
The Martin Ratio Rank of Early Retirement The One w/ SHV is 9595
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 ratioSortino ratioOmega ratioCalmar ratioMartin ratio
SCHD
Schwab US Dividend Equity ETF		0.220.381.050.190.60
IAU
iShares Gold Trust		1.992.861.364.6911.96
GSY
Invesco Ultra Short Duration ETF		11.0526.815.9931.41205.62
MSFT
Microsoft Corporation		0.340.721.100.410.90
AAPL
Apple Inc		0.270.641.090.280.92
GOOG
Alphabet Inc		-0.22-0.031.00-0.18-0.39
TSLA
Tesla, Inc.		1.342.111.251.663.96
NVDA
NVIDIA Corporation		0.701.301.161.152.83
AMZN
Amazon.com, Inc.		0.330.701.090.360.95
NFLX
Netflix, Inc.		2.673.671.494.9716.26
META
Meta Platforms, Inc.		0.991.531.201.033.16
SHV
iShares Short Treasury Bond ETF		20.53277.90130.78531.274,516.18
SGOV
iShares 0-3 Month Treasury Bond ETF		21.19475.39476.39486.767,727.07

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.

Early Retirement The One w/ SHV Sharpe ratios as of May 21, 2025 (values are recalculated daily):

  • 1-Year: 1.73
  • All Time: 1.60

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 0.54 to 1.03, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of Early Retirement The One w/ SHV 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

Early Retirement The One w/ SHV provided a 2.45% dividend yield over the last twelve months.

TTM20242023202220212020201920182017201620152014
Portfolio2.45%2.43%2.30%1.46%0.94%1.23%1.44%1.42%1.16%1.17%1.18%1.10%
Portfolio components:
SCHD
Schwab US Dividend Equity ETF		3.93%3.64%3.49%3.39%2.78%3.16%2.98%3.06%2.63%2.89%2.97%2.63%
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%
GSY
Invesco Ultra Short Duration ETF		5.05%5.31%4.95%1.70%0.58%1.45%2.71%2.30%1.80%1.30%1.17%1.29%
MSFT
Microsoft Corporation		0.71%0.73%0.74%1.06%0.68%0.94%1.20%1.69%1.86%2.37%2.33%2.48%
AAPL
Apple Inc		0.49%0.40%0.49%0.70%0.49%0.61%1.04%1.79%1.45%1.93%1.93%1.67%
GOOG
Alphabet Inc		0.48%0.32%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
TSLA
Tesla, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
NVDA
NVIDIA Corporation		0.02%0.02%0.03%0.11%0.05%0.12%0.27%0.46%0.29%0.45%1.20%1.70%
AMZN
Amazon.com, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
NFLX
Netflix, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
META
Meta Platforms, Inc.		0.32%0.34%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
SHV
iShares Short Treasury Bond ETF		4.70%5.02%4.73%1.39%0.00%0.74%2.19%1.66%0.72%0.34%0.03%0.00%
SGOV
iShares 0-3 Month Treasury Bond ETF		4.70%5.10%4.87%1.45%0.03%0.05%0.00%0.00%0.00%0.00%0.00%0.00%

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 Early Retirement The One w/ SHV. 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 Early Retirement The One w/ SHV was 15.76%, occurring on Oct 14, 2022. Recovery took 150 trading sessions.

Depth

Start

To Bottom

Bottom

To Recover

End

Total

-15.76%Dec 28, 2021202Oct 14, 2022150May 22, 2023352
-8.19%Feb 21, 202533Apr 8, 202523May 12, 202556
-7.48%Sep 3, 202014Sep 23, 202041Nov 19, 202055
-5.92%Jul 20, 202370Oct 26, 202317Nov 20, 202387
-4.92%Jul 17, 202416Aug 7, 20248Aug 19, 202424

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 5.51, 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.
^GSPCSGOVSHVGSYIAUSCHDTSLANFLXNVDAMETAAAPLGOOGAMZNMSFTPortfolio
^GSPC1.000.000.020.080.130.760.550.550.680.660.710.720.690.770.87
SGOV0.001.000.550.260.01-0.02-0.040.000.040.05-0.020.030.030.020.02
SHV0.020.551.000.440.120.02-0.030.030.010.050.010.040.040.050.07
GSY0.080.260.441.000.270.070.050.130.040.070.080.050.090.060.17
IAU0.130.010.120.271.000.120.050.130.080.100.080.120.100.090.47
SCHD0.76-0.020.020.070.121.000.290.240.310.330.430.390.320.390.67
TSLA0.55-0.04-0.030.050.050.291.000.450.470.400.490.440.470.460.57
NFLX0.550.000.030.130.130.240.451.000.520.560.490.480.570.530.56
NVDA0.680.040.010.040.080.310.470.521.000.570.530.560.600.650.66
META0.660.050.050.070.100.330.400.560.571.000.520.640.640.630.64
AAPL0.71-0.020.010.080.080.430.490.490.530.521.000.600.600.670.65
GOOG0.720.030.040.050.120.390.440.480.560.640.601.000.680.720.67
AMZN0.690.030.040.090.100.320.470.570.600.640.600.681.000.710.65
MSFT0.770.020.050.060.090.390.460.530.650.630.670.720.711.000.69
Portfolio0.870.020.070.170.470.670.570.560.660.640.650.670.650.691.00
The correlation results are calculated based on daily price changes starting from May 29, 2020