45+ VOO, SCHD, SCHG

Asset Allocation

Position	Category/Sector	Target Weight
VOO Vanguard S&P 500 ETF	S&P 500	50%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	25%
SCHG Schwab U.S. Large-Cap Growth ETF	Large Cap Growth Equities	25%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Portfolio Optimizer

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in 45+ VOO, SCHD, SCHG, 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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Returns By Period

As of Jun 12, 2026, the 45+ VOO, SCHD, SCHG returned 10.21% Year-To-Date and 15.78% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	1.75%	-0.09%	8.02%	7.15%	22.78%	19.45%	11.73%	13.53%
Portfolio 45+ VOO, SCHD, SCHG	1.45%	-0.02%	10.21%	9.20%	24.02%	20.36%	12.77%	15.78%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	0.84%	2.42%	19.60%	18.52%	25.79%	14.80%	8.55%	12.82%
SCHG Schwab U.S. Large-Cap Growth ETF	1.55%	-2.03%	2.46%	1.18%	18.77%	22.91%	14.30%	18.46%
VOO Vanguard S&P 500 ETF	1.68%	-0.06%	8.49%	7.67%	24.15%	20.99%	13.30%	15.41%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 20, 2011, 45+ VOO, SCHD, SCHG's average daily return is +0.06%, while the average monthly return is +1.27%. At this rate, an investment would double in approximately 4.6 years.

Historically, 72% of months were positive and 28% were negative. The best month was Apr 2020 with a return of +13.2%, while the worst month was Mar 2020 at -11.8%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 45+ VOO, SCHD, SCHG closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +9.1%, while the worst single day was Mar 16, 2020 at -11.5%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.43%	0.39%	-4.25%	9.68%	4.73%	-2.56%							10.21%
2025	2.33%	-1.01%	-5.07%	-1.96%	5.66%	4.75%	2.01%	2.60%	2.61%	1.84%	0.42%	0.03%	14.65%
2024	1.49%	4.80%	3.29%	-4.12%	4.54%	3.56%	1.90%	2.23%	1.95%	-0.54%	5.89%	-2.69%	24.13%
2023	6.15%	-2.37%	3.74%	0.94%	0.84%	6.29%	3.57%	-1.43%	-4.74%	-2.42%	8.96%	4.95%	26.23%
2022	-5.53%	-2.96%	3.79%	-8.73%	0.47%	-8.12%	8.80%	-4.06%	-8.97%	7.98%	5.49%	-5.72%	-18.20%
2021	-0.92%	3.00%	4.98%	5.12%	0.69%	2.49%	2.22%	2.97%	-4.61%	6.85%	-0.79%	4.41%	29.16%

Benchmark Metrics

45+ VOO, SCHD, SCHG has an annualized alpha of 2.27%, beta of 0.98, and R2 of 0.99 versus S&P 500 Index. Calculated based on daily prices since October 20, 2011.

This portfolio captured 104.85% of S&P 500 Index gains but only 94.18% of its losses - a favorable profile for investors.
This portfolio generated an annualized alpha of 2.27% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
With beta of 0.98 and R2 of 0.99, 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: 2.27%

Beta: 0.98

R²: 0.99

Upside Capture: 104.85%

Downside Capture: 94.18%

See how alpha, beta & R² have trended over time →

Expense Ratio

45+ VOO, SCHD, SCHG has an expense ratio of 0.04%, 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.

SCHD

Schwab U.S. Dividend Equity ETF

SCHG

Schwab U.S. Large-Cap Growth ETF

VOO

Vanguard S&P 500 ETF

Return for Risk

Risk / Return Rank

45+ VOO, SCHD, SCHG ranks 75 for risk / return — better than 75% 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

The table below presents risk-adjusted performance metrics for 45+ VOO, SCHD, SCHG and compares them with S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	2.17	1.85	+0.32
Sortino ratioReturn per unit of downside risk	2.95	2.52	+0.43
Omega ratioGain probability vs. loss probability	1.40	1.34	+0.06
Calmar ratioReturn relative to maximum drawdown	3.33	2.52	+0.82
Martin ratioReturn relative to average drawdown	14.78	11.31	+3.47

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SCHD Schwab U.S. Dividend Equity ETF	88	2.38	3.67	1.43	5.61	13.71
SCHG Schwab U.S. Large-Cap Growth ETF	35	1.18	1.64	1.21	1.15	3.80
VOO Vanguard S&P 500 ETF	73	1.98	2.68	1.36	2.73	12.33

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.

The current 45+ VOO, SCHD, SCHG Sharpe ratio is 2.17 as of Jun 12, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.43 to 2.26, 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 45+ VOO, SCHD, SCHG 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

45+ VOO, SCHD, SCHG provided a 1.43% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.43%	1.61%	1.63%	1.72%	1.83%	1.42%	1.69%	1.89%	2.11%	1.80%	1.99%	2.10%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	3.25%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
SCHG Schwab U.S. Large-Cap Growth ETF	0.38%	0.36%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%
VOO Vanguard S&P 500 ETF	1.05%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%

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 45+ VOO, SCHD, SCHG. 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 45+ VOO, SCHD, SCHG was 33.28%, occurring on Mar 23, 2020. Recovery took 93 trading sessions.

The current 45+ VOO, SCHD, SCHG drawdown is 2.65%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-33.28%Mar 2020	1mo 2d	4mo 14d	5mo 16dFeb 2020 - Aug 2020
Bear market2022	-24.44%Oct 2022	9mo 18d	1y 2mo	1y 11moDec 2021 - Dec 2023
Rate-hike selloffLate 2018	-19.26%Dec 2018	3mo 4d	3mo 12d	6mo 16dSep 2018 - Apr 2019
2025 selloff2025	-18.27%Apr 2025	1mo 17d	2mo 23d	4mo 10dFeb 2025 - Jun 2025
2016 correction2016	-12.45%Feb 2016	8mo 25d	2mo 7d	11mo 2dMay 2015 - Apr 2016

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 3 assets, with an effective number of assets of 2.67, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.15	1.08	1.06	1.04	1.04

The portfolio has a diversification ratio of 1.04, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

45+ VOO, SCHD, SCHG correlation to the S&P 500 Index

45+ VOO, SCHD, SCHG has a 0.98 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.98
Correlation (3Y) Calculated over the trailing 3-year period	0.99
Correlation (5Y) Calculated over the trailing 5-year period	0.99
Correlation (10Y) Calculated over the trailing 10-year period	0.99
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011	0.99

Benchmark Correlations

Correlation vs. S&P 500 Index. VOO has the highest benchmark correlation at 1.00, while SCHD has the lowest at 0.82.

SCHD

0.82

SCHG

0.94

VOO

1.00

Portfolio Correlations

Correlation vs. 45+ VOO, SCHD, SCHG. VOO has the highest portfolio correlation at 1.00, while SCHD has the lowest at 0.85.

SCHD

0.85

SCHG

0.94

VOO

1.00

Asset Correlations Table

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

	SCHD	SCHG	VOO
SCHD	1.00	0.66	0.82
SCHG	0.66	1.00	0.94
VOO	0.82	0.94	1.00

The correlation results are calculated based on daily price changes starting from Oct 20, 2011

Diversification Analysis

Find what 45+ VOO, SCHD, SCHG is missing

See which holdings overlap, where 45+ VOO, SCHD, SCHG is concentrated, and which low-correlation assets could fill the gaps.

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