TC+Trish Dream ROTH

Asset Allocation

Position	Category/Sector	Target Weight
AAPL Apple Inc	Technology	5%
ARTRX Artisan Global Opportunities Fund Class I	Global Equities, Large Cap Growth Equities	2.50%
BSCFX Baron Small Cap Fund	Small Cap Growth Equities	5%
CFWAX Calvert Global Water Fund	Energy Equities	2.50%
FNILX Fidelity ZERO Large Cap Index Fund	Large Cap Blend Equities	20%
MSFT Microsoft Corporation	Technology	5%
PARMX Parnassus Mid Cap Fund	Mid Cap Blend Equities	10%
PRBLX Parnassus Core Equity Fund	Large Cap Blend Equities	10%
SWSSX Schwab Small-Cap Index Fund-Select Shares	Small Cap Blend Equities	10%
SWTSX Schwab Total Stock Market Index Fund	Large Cap Blend Equities	0%
TRBCX T. Rowe Price Blue Chip Growth Fund	Large Cap Growth Equities	30%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in TC+Trish Dream ROTH, 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 Sep 28, 2018, corresponding to the inception date of FNILX

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.43%	-3.84%	-1.98%	16.08%	16.86%	10.37%	12.29%
Portfolio TC+Trish Dream ROTH	0.06%	-4.10%	-6.26%	-5.47%	14.10%	18.03%	9.09%	—
Portfolio components:
FNILX Fidelity ZERO Large Cap Index Fund	0.69%	-3.42%	-3.93%	-2.01%	17.26%	18.84%	11.68%	—
SWTSX Schwab Total Stock Market Index Fund	0.70%	-3.41%	-3.36%	-1.52%	17.49%	18.09%	10.61%	13.62%
TRBCX T. Rowe Price Blue Chip Growth Fund	0.81%	-4.06%	-10.51%	-9.42%	15.00%	26.53%	10.70%	15.96%
PRBLX Parnassus Core Equity Fund	1.03%	-4.07%	-5.21%	-4.27%	7.47%	13.41%	8.44%	12.38%
PARMX Parnassus Mid Cap Fund	0.99%	-4.67%	-1.38%	-0.41%	13.11%	11.16%	3.78%	8.51%
SWSSX Schwab Small-Cap Index Fund-Select Shares	0.65%	-3.51%	1.56%	2.86%	24.51%	13.36%	3.63%	9.95%
BSCFX Baron Small Cap Fund	0.36%	-6.48%	-7.65%	-9.84%	-1.17%	6.29%	-0.08%	10.06%
ARTRX Artisan Global Opportunities Fund Class I	1.28%	-1.76%	-3.12%	-6.81%	9.02%	10.96%	3.38%	10.77%
MSFT Microsoft Corporation	1.11%	-7.54%	-22.60%	-27.29%	-1.52%	10.00%	9.94%	22.58%
AAPL Apple Inc	0.11%	-2.97%	-5.78%	-0.28%	14.80%	16.04%	16.39%	26.10%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 1, 2018, TC+Trish Dream ROTH's average daily return is +0.06%, while the average monthly return is +1.11%. At this rate, your investment would double in approximately 5.2 years.

Historically, 64% of months were positive and 36% were negative. The best month was Apr 2020 with a return of +13.3%, while the worst month was Mar 2020 at -12.2%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 3 months.

On a daily basis, TC+Trish Dream ROTH closed higher 54% of trading days. The best single day was Apr 9, 2025 with a return of +10.1%, while the worst single day was Mar 16, 2020 at -12.5%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	0.21%	-1.69%	-5.62%	0.81%									-6.26%
2025	2.80%	-2.91%	-6.59%	0.16%	6.94%	5.38%	2.77%	1.74%	3.05%	2.05%	-0.09%	-0.47%	15.07%
2024	1.18%	5.77%	2.49%	-4.87%	5.20%	4.04%	1.77%	1.83%	2.25%	-1.35%	6.46%	-0.05%	27.03%
2023	8.11%	-1.82%	4.44%	1.33%	2.24%	6.75%	3.10%	-1.87%	-5.37%	-2.09%	10.42%	4.94%	33.17%
2022	-8.35%	-3.46%	2.81%	-10.70%	-1.68%	-7.75%	10.75%	-4.47%	-10.16%	6.12%	4.86%	-6.61%	-27.22%
2021	-0.49%	2.21%	1.89%	5.93%	-0.88%	4.01%	2.28%	3.28%	-5.24%	6.41%	-0.96%	2.68%	22.57%

Benchmark Metrics

TC+Trish Dream ROTH has an annualized alpha of 0.46%, beta of 1.06, and R² of 0.96 versus S&P 500 Index. Calculated based on daily prices since October 01, 2018.

This portfolio captured 106.72% of S&P 500 Index gains and 102.73% of its losses — amplifying both gains and losses, but participating more in upside than downside.
With beta of 1.06 and R² of 0.96, 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: 0.46%

Beta: 1.06

R²: 0.96

Upside Capture: 106.72%

Downside Capture: 102.73%

Expense Ratio

TC+Trish Dream ROTH has an expense ratio of 0.51%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

BSCFX

Baron Small Cap Fund

CFWAX

Calvert Global Water Fund

ARTRX

Artisan Global Opportunities Fund Class I

PARMX

Parnassus Mid Cap Fund

PRBLX

Parnassus Core Equity Fund

TRBCX

T. Rowe Price Blue Chip Growth Fund

SWSSX

Schwab Small-Cap Index Fund-Select Shares

SWTSX

Schwab Total Stock Market Index Fund

FNILX

Fidelity ZERO Large Cap Index Fund

Return for Risk

Risk / Return Rank

TC+Trish Dream ROTH ranks 17 for risk / return — in the bottom 17% of portfolios on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.

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	0.73	0.88	-0.15
Sortino ratio Return per unit of downside risk	1.19	1.37	-0.18
Omega ratio Gain probability vs. loss probability	1.17	1.21	-0.04
Calmar ratio Return relative to maximum drawdown	1.20	1.39	-0.19
Martin ratio Return relative to average drawdown	4.46	6.43	-1.98
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
FNILX Fidelity ZERO Large Cap Index Fund	49	0.98	1.50	1.23	1.52	7.16
SWTSX Schwab Total Stock Market Index Fund	49	0.99	1.51	1.23	1.52	7.23
TRBCX T. Rowe Price Blue Chip Growth Fund	24	0.69	1.14	1.16	1.00	3.47
PRBLX Parnassus Core Equity Fund	15	0.48	0.81	1.11	0.77	2.80
PARMX Parnassus Mid Cap Fund	28	0.73	1.17	1.15	1.23	4.85
SWSSX Schwab Small-Cap Index Fund-Select Shares	57	1.14	1.70	1.22	1.91	7.11
BSCFX Baron Small Cap Fund	4	0.02	0.19	1.02	0.04	0.13
ARTRX Artisan Global Opportunities Fund Class I	15	0.56	0.88	1.12	0.79	2.36
MSFT Microsoft Corporation	35	-0.06	0.11	1.01	-0.05	-0.12
AAPL Apple Inc	55	0.47	0.92	1.13	0.66	2.04

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.

TC+Trish Dream ROTH Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 0.73
5-Year: 0.48
All Time: 0.58

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 0.98 to 1.66, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of TC+Trish Dream ROTH 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

TC+Trish Dream ROTH provided a 5.93% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	5.93%	5.58%	9.12%	2.63%	4.12%	6.13%	2.29%	2.96%	4.17%	3.51%	2.61%	4.13%
Portfolio components:
FNILX Fidelity ZERO Large Cap Index Fund	1.05%	1.01%	1.09%	1.34%	1.53%	0.95%	1.20%	1.17%	0.53%	0.00%	0.00%	0.00%
SWTSX Schwab Total Stock Market Index Fund	1.14%	1.10%	1.24%	1.41%	1.62%	1.46%	1.63%	1.92%	2.58%	1.83%	2.32%	2.79%
TRBCX T. Rowe Price Blue Chip Growth Fund	5.86%	5.25%	18.16%	3.49%	5.87%	9.38%	1.19%	0.36%	2.44%	2.94%	0.67%	3.26%
PRBLX Parnassus Core Equity Fund	20.08%	19.08%	10.00%	6.01%	10.13%	7.77%	5.87%	8.02%	9.64%	7.16%	3.80%	9.62%
PARMX Parnassus Mid Cap Fund	10.39%	10.25%	9.92%	2.29%	4.90%	4.88%	0.36%	4.15%	3.90%	4.19%	2.76%	6.42%
SWSSX Schwab Small-Cap Index Fund-Select Shares	1.27%	1.29%	1.66%	1.49%	1.32%	8.88%	2.55%	6.12%	10.45%	5.22%	4.10%	6.92%
BSCFX Baron Small Cap Fund	10.29%	9.50%	13.96%	3.04%	5.90%	12.47%	11.17%	9.60%	10.91%	13.57%	22.41%	12.56%
ARTRX Artisan Global Opportunities Fund Class I	3.69%	3.57%	12.34%	2.30%	0.00%	10.78%	6.67%	6.94%	7.32%	4.15%	0.17%	0.70%
MSFT Microsoft Corporation	0.93%	0.70%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%
AAPL Apple Inc	0.41%	0.38%	0.40%	0.49%	0.70%	0.49%	0.61%	1.04%	1.79%	1.45%	1.93%	1.93%

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 TC+Trish Dream ROTH. 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 TC+Trish Dream ROTH was 33.20%, occurring on Mar 23, 2020. Recovery took 79 trading sessions.

The current TC+Trish Dream ROTH drawdown is 8.44%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-33.2%	Feb 20, 2020	23	Mar 23, 2020	79	Jul 15, 2020	102
-31.71%	Nov 17, 2021	229	Oct 14, 2022	329	Feb 7, 2024	558
-20.62%	Dec 17, 2024	76	Apr 8, 2025	55	Jun 27, 2025	131
-20.55%	Oct 2, 2018	58	Dec 24, 2018	70	Apr 5, 2019	128
-12.02%	Jan 13, 2026	53	Mar 30, 2026	—	—	—

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 11 assets, with an effective number of assets of 5.93, 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	AAPL	MSFT	SWSSX	CFWAX	BSCFX	ARTRX	PARMX	TRBCX	PRBLX	FNILX	SWTSX	Portfolio
Benchmark	1.00	0.71	0.75	0.82	0.83	0.85	0.87	0.88	0.90	0.96	0.99	0.99	0.97
AAPL	0.71	1.00	0.63	0.51	0.53	0.55	0.62	0.57	0.71	0.66	0.71	0.68	0.73
MSFT	0.75	0.63	1.00	0.48	0.51	0.60	0.71	0.59	0.83	0.75	0.75	0.72	0.79
SWSSX	0.82	0.51	0.48	1.00	0.84	0.89	0.74	0.84	0.67	0.77	0.82	0.87	0.82
CFWAX	0.83	0.53	0.51	0.84	1.00	0.82	0.78	0.86	0.66	0.81	0.82	0.84	0.80
BSCFX	0.85	0.55	0.60	0.89	0.82	1.00	0.84	0.88	0.77	0.83	0.85	0.88	0.88
ARTRX	0.87	0.62	0.71	0.74	0.78	0.84	1.00	0.81	0.86	0.86	0.88	0.88	0.90
PARMX	0.88	0.57	0.59	0.84	0.86	0.88	0.81	1.00	0.74	0.90	0.88	0.89	0.88
TRBCX	0.90	0.71	0.83	0.67	0.66	0.77	0.86	0.74	1.00	0.87	0.91	0.89	0.95
PRBLX	0.96	0.66	0.75	0.77	0.81	0.83	0.86	0.90	0.87	1.00	0.96	0.94	0.95
FNILX	0.99	0.71	0.75	0.82	0.82	0.85	0.88	0.88	0.91	0.96	1.00	0.99	0.98
SWTSX	0.99	0.68	0.72	0.87	0.84	0.88	0.88	0.89	0.89	0.94	0.99	1.00	0.97
Portfolio	0.97	0.73	0.79	0.82	0.80	0.88	0.90	0.88	0.95	0.95	0.98	0.97	1.00

The correlation results are calculated based on daily price changes starting from Oct 1, 2018

TC+Trish Dream ROTH

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

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