Matson Money Growth 20% bonds LIVE***

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Matson Money Growth 20% bonds LIVE***

Last updated Apr 22, 2025

Creating this for JWAC final Growth mix. QC checked twice on 03032025. This is the JWAC Trust portfolio constructed for immediate commencement once funds are in bank accounts. This is a lower risk portfolio to start out. When the Holy Spirit instructs to move into an Aggressive posture, the bonds will be sold and additional weighing will be added to the equity ETFs as detailed in the JWAC Investment Policy.

Asset Allocation

Position	Category/Sector	Target Weight
AVDS Avantis International Small Cap Equity ETF	Foreign Small & Mid Cap Equities	3.14%
AVDV Avantis International Small Cap Value ETF	Foreign Small & Mid Cap Equities, Actively Managed	16.45%
AVEM Avantis Emerging Markets Equity ETF	Foreign Large Cap Equities	1.11%
AVLV Avantis U.S. Large Cap Value ETF	Large Cap Value Equities	13.55%
AVSC Avantis US Small Cap Equity ETF	Small Cap Value Equities	1%
AVUV Avantis U.S. Small Cap Value ETF	Small Cap Value Equities, Actively Managed	11.15%
DFEVX DFA Emerging Markets Value Portfolio	Emerging Markets Diversified	0.95%
DFIVX DFA International Value Portfolio	Foreign Large Cap Equities	12%
EWX SPDR S&P Emerging Markets Small Cap ETF	Emerging Markets Equities	0.95%
FNDC Schwab Fundamental International Small Co. Index ETF	Foreign Small & Mid Cap Equities	0%
RWJ Invesco S&P SmallCap 600 Revenue ETF	Small Cap Value Equities	12.55%
SCHF Schwab International Equity ETF	Foreign Large Cap Equities	1%
SCHO Schwab Short-Term U.S. Treasury ETF	Government Bonds	5%
SCHQ Schwab Long-Term U.S. Treasury ETF	Government Bonds	5%
SCHR Schwab Intermediate-Term U.S. Treasury ETF	Government Bonds	10%
SCHX Schwab U.S. Large-Cap ETF	Large Cap Growth Equities	6.15%

Benchmark

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Matson Money Growth 20% bonds LIVE***, 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 year.

Matson Money Growth 20% bonds LIVE***

Benchmark (^GSPC)

Portfolio components

The earliest data available for this chart is Jul 20, 2023, corresponding to the inception date of AVDS

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	-12.30%	-8.99%	-11.89%	3.84%	13.06%	9.34%
Matson Money Growth 20% bonds LIVE***	-4.07%	-5.27%	-5.20%	4.12%	N/A	N/A
Portfolio components:
SCHF Schwab International Equity ETF	6.16%	-3.39%	0.52%	9.95%	13.04%	6.12%
AVDV Avantis International Small Cap Value ETF	7.59%	-1.32%	4.64%	14.12%	16.22%	N/A
DFIVX DFA International Value Portfolio	8.91%	-3.75%	4.78%	11.66%	17.63%	5.14%
DFEVX DFA Emerging Markets Value Portfolio	-0.51%	-5.62%	-5.96%	4.65%	11.89%	3.76%
EWX SPDR S&P Emerging Markets Small Cap ETF	-7.26%	-6.83%	-9.56%	1.37%	12.13%	4.15%
AVEM Avantis Emerging Markets Equity ETF	-1.17%	-5.74%	-7.19%	5.93%	9.48%	N/A
FNDC Schwab Fundamental International Small Co. Index ETF	7.56%	-0.57%	3.02%	11.86%	11.30%	5.07%
SCHX Schwab U.S. Large-Cap ETF	-12.17%	-9.03%	-11.34%	6.38%	15.63%	12.57%
RWJ Invesco S&P SmallCap 600 Revenue ETF	-20.03%	-11.41%	-19.32%	-6.91%	21.55%	7.54%
AVUV Avantis U.S. Small Cap Value ETF	-18.05%	-9.96%	-17.42%	-8.98%	21.45%	N/A
SCHR Schwab Intermediate-Term U.S. Treasury ETF	2.94%	0.27%	1.87%	7.20%	-1.03%	1.16%
SCHO Schwab Short-Term U.S. Treasury ETF	2.42%	0.59%	2.52%	6.30%	1.18%	1.47%
SCHQ Schwab Long-Term U.S. Treasury ETF	0.06%	-4.42%	-3.86%	1.91%	-9.36%	N/A
AVLV Avantis U.S. Large Cap Value ETF	-10.91%	-9.01%	-10.58%	-1.49%	N/A	N/A
AVDS Avantis International Small Cap Equity ETF	5.52%	-1.51%	1.92%	10.53%	N/A	N/A
AVSC Avantis US Small Cap Equity ETF	-19.07%	-10.91%	-18.44%	-8.43%	N/A	N/A

*Annualized

Monthly Returns

The table below presents the monthly returns of Matson Money Growth 20% bonds LIVE***, 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	2.55%	-0.38%	-1.75%	-4.42%									-4.07%
2024	-1.40%	2.39%	3.92%	-3.69%	4.31%	-1.47%	5.26%	0.46%	1.71%	-2.77%	4.67%	-3.95%	9.19%
2023							1.25%	-2.67%	-3.07%	-3.74%	6.80%	7.12%	5.20%

Expense Ratio

Matson Money Growth 20% bonds LIVE* has an expense ratio of 0.23%**, 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.

EWX

SPDR S&P Emerging Markets Small Cap ETF

EWX: 0.65%

DFEVX

DFA Emerging Markets Value Portfolio

DFEVX: 0.45%

FNDC

Schwab Fundamental International Small Co. Index ETF

FNDC: 0.39%

RWJ

Invesco S&P SmallCap 600 Revenue ETF

RWJ: 0.39%

AVDV

Avantis International Small Cap Value ETF

AVDV: 0.36%

AVEM

Avantis Emerging Markets Equity ETF

AVEM: 0.33%

DFIVX

DFA International Value Portfolio

DFIVX: 0.30%

AVDS

Avantis International Small Cap Equity ETF

AVDS: 0.30%

AVUV

Avantis U.S. Small Cap Value ETF

AVUV: 0.25%

AVSC

Avantis US Small Cap Equity ETF

AVSC: 0.25%

AVLV

Avantis U.S. Large Cap Value ETF

AVLV: 0.15%

SCHF

Schwab International Equity ETF

SCHF: 0.06%

SCHR

Schwab Intermediate-Term U.S. Treasury ETF

SCHR: 0.05%

SCHO

Schwab Short-Term U.S. Treasury ETF

SCHO: 0.05%

SCHQ

Schwab Long-Term U.S. Treasury ETF

SCHQ: 0.05%

SCHX

Schwab U.S. Large-Cap ETF

SCHX: 0.03%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of Matson Money Growth 20% bonds LIVE* is 35**, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

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.

Sharpe ratio

Portfolio: 0.31

^GSPC: 0.14

Sortino ratio

Portfolio: 0.52

^GSPC: 0.33

Omega ratio

Portfolio: 1.07

^GSPC: 1.05

Calmar ratio

Portfolio: 0.34

^GSPC: 0.14

Martin ratio

Portfolio: 1.53

^GSPC: 0.62

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SCHF Schwab International Equity ETF	0.58	0.92	1.12	0.73	2.22
AVDV Avantis International Small Cap Value ETF	0.78	1.18	1.17	1.02	3.58
DFIVX DFA International Value Portfolio	0.72	1.05	1.15	0.84	3.20
DFEVX DFA Emerging Markets Value Portfolio	0.34	0.54	1.07	0.31	0.89
EWX SPDR S&P Emerging Markets Small Cap ETF	0.06	0.20	1.03	0.05	0.16
AVEM Avantis Emerging Markets Equity ETF	0.31	0.57	1.07	0.33	1.01
FNDC Schwab Fundamental International Small Co. Index ETF	0.72	1.14	1.15	0.99	2.47
SCHX Schwab U.S. Large-Cap ETF	0.27	0.51	1.07	0.28	1.19
RWJ Invesco S&P SmallCap 600 Revenue ETF	-0.22	-0.15	0.98	-0.19	-0.69
AVUV Avantis U.S. Small Cap Value ETF	-0.31	-0.29	0.96	-0.27	-0.85
SCHR Schwab Intermediate-Term U.S. Treasury ETF	1.53	2.34	1.27	1.62	3.66
SCHO Schwab Short-Term U.S. Treasury ETF	3.57	5.97	1.82	6.42	19.09
SCHQ Schwab Long-Term U.S. Treasury ETF	0.13	0.28	1.03	0.13	0.27
AVLV Avantis U.S. Large Cap Value ETF	-0.07	0.04	1.01	-0.06	-0.26
AVDS Avantis International Small Cap Equity ETF	0.59	0.92	1.13	0.76	2.43
AVSC Avantis US Small Cap Equity ETF	-0.29	-0.27	0.97	-0.26	-0.80

The current Matson Money Growth 20% bonds LIVE* Sharpe ratio is 0.31**. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Compared to the broad market, where average Sharpe ratios range from 0.13 to 0.69, this portfolio's current Sharpe ratio lies between the 25th and 75th percentiles. This indicates that the its risk-adjusted performance is in line with the majority of portfolios. This suggests a balanced approach to risk and return, which might be suitable for a broad range of investors.

Use the chart below to compare the Sharpe ratio of Matson Money Growth 20% bonds LIVE*** with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.

Matson Money Growth 20% bonds LIVE***

Benchmark (^GSPC)

Portfolio components

Dividends

Dividend yield

Matson Money Growth 20% bonds LIVE* provided a 2.90%** dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	2.90%	2.86%	2.61%	2.22%	1.57%	1.30%	1.26%	1.10%	0.85%	0.85%	0.90%	1.01%
Portfolio components:
SCHF Schwab International Equity ETF	3.07%	3.26%	2.97%	2.80%	3.19%	2.08%	2.95%	3.06%	2.35%	2.58%	2.26%	2.90%
AVDV Avantis International Small Cap Value ETF	4.01%	4.31%	3.29%	3.17%	2.39%	1.67%	0.36%	0.00%	0.00%	0.00%	0.00%	0.00%
DFIVX DFA International Value Portfolio	3.66%	3.94%	4.40%	3.78%	4.27%	2.43%	3.70%	3.31%	2.85%	3.37%	3.45%	4.89%
DFEVX DFA Emerging Markets Value Portfolio	4.77%	4.68%	4.39%	4.44%	3.81%	2.46%	2.47%	2.49%	2.44%	1.99%	2.55%	2.63%
EWX SPDR S&P Emerging Markets Small Cap ETF	3.13%	2.90%	2.32%	3.00%	2.77%	2.24%	2.73%	3.26%	2.30%	2.46%	3.04%	2.74%
AVEM Avantis Emerging Markets Equity ETF	3.21%	3.17%	3.06%	2.77%	2.61%	1.60%	0.35%	0.00%	0.00%	0.00%	0.00%	0.00%
FNDC Schwab Fundamental International Small Co. Index ETF	3.34%	3.59%	2.86%	1.98%	2.58%	1.77%	2.71%	2.68%	1.94%	1.96%	1.30%	1.61%
SCHX Schwab U.S. Large-Cap ETF	1.40%	1.22%	1.39%	1.64%	1.22%	1.64%	1.82%	2.17%	1.70%	1.92%	2.04%	1.76%
RWJ Invesco S&P SmallCap 600 Revenue ETF	1.44%	1.15%	1.34%	1.02%	0.61%	0.89%	1.22%	1.44%	0.91%	0.60%	0.74%	0.57%
AVUV Avantis U.S. Small Cap Value ETF	2.02%	1.61%	1.65%	1.74%	1.28%	1.21%	0.38%	0.00%	0.00%	0.00%	0.00%	0.00%
SCHR Schwab Intermediate-Term U.S. Treasury ETF	3.77%	3.77%	3.16%	2.02%	1.00%	1.62%	2.31%	2.11%	1.65%	1.45%	1.56%	1.44%
SCHO Schwab Short-Term U.S. Treasury ETF	4.21%	4.29%	3.76%	1.34%	0.41%	1.27%	2.26%	1.78%	1.12%	0.82%	0.68%	0.47%
SCHQ Schwab Long-Term U.S. Treasury ETF	4.55%	4.58%	3.79%	2.88%	1.69%	1.51%	0.44%	0.00%	0.00%	0.00%	0.00%	0.00%
AVLV Avantis U.S. Large Cap Value ETF	1.86%	1.58%	1.85%	2.00%	0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVDS Avantis International Small Cap Equity ETF	2.91%	3.07%	0.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVSC Avantis US Small Cap Equity ETF	1.47%	1.18%	1.42%	1.10%	0.00%	0.00%	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.

Matson Money Growth 20% bonds LIVE***

Benchmark (^GSPC)

Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the Matson Money Growth 20% bonds LIVE***. 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 Matson Money Growth 20% bonds LIVE* was 13.25%, occurring on Apr 8, 2025**. The portfolio has not yet recovered.

The current Matson Money Growth 20% bonds LIVE* drawdown is 8.00%**.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-13.25%	Dec 5, 2024	84	Apr 8, 2025	—	—	—
-10.1%	Aug 1, 2023	63	Oct 27, 2023	32	Dec 13, 2023	95
-6.32%	Aug 1, 2024	3	Aug 5, 2024	14	Aug 23, 2024	17
-4.44%	Apr 1, 2024	13	Apr 17, 2024	19	May 14, 2024	32
-4.19%	Dec 28, 2023	13	Jan 17, 2024	28	Feb 27, 2024	41

Volatility

Volatility Chart

The current Matson Money Growth 20% bonds LIVE* volatility is 9.65%**, 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.

Matson Money Growth 20% bonds LIVE***

Benchmark (^GSPC)

Portfolio components

Diversification

Diversification Metrics

Number of Effective Assets

Effective Assets: 9.24

The portfolio contains 16 assets, with an effective number of assets of 9.24, 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.

	SCHO	SCHQ	SCHR	DFEVX	EWX	SCHX	RWJ	AVUV	AVEM	AVLV	AVSC	DFIVX	AVDV	SCHF	AVDS	FNDC
SCHO	1.00	0.66	0.87	0.04	0.14	0.06	0.12	0.07	0.12	0.04	0.11	0.16	0.20	0.19	0.22	0.24
SCHQ	0.66	1.00	0.90	0.08	0.16	0.17	0.20	0.16	0.13	0.14	0.20	0.19	0.22	0.25	0.25	0.27
SCHR	0.87	0.90	1.00	0.08	0.17	0.13	0.17	0.13	0.15	0.11	0.17	0.20	0.23	0.25	0.26	0.29
DFEVX	0.04	0.08	0.08	1.00	0.80	0.58	0.50	0.50	0.92	0.56	0.51	0.69	0.68	0.71	0.68	0.70
EWX	0.14	0.16	0.17	0.80	1.00	0.54	0.49	0.50	0.86	0.52	0.52	0.65	0.67	0.68	0.69	0.70
SCHX	0.06	0.17	0.13	0.58	0.54	1.00	0.68	0.69	0.65	0.84	0.71	0.63	0.62	0.73	0.68	0.68
RWJ	0.12	0.20	0.17	0.50	0.49	0.68	1.00	0.95	0.54	0.86	0.95	0.66	0.66	0.67	0.67	0.68
AVUV	0.07	0.16	0.13	0.50	0.50	0.69	0.95	1.00	0.54	0.90	0.97	0.68	0.68	0.68	0.69	0.68
AVEM	0.12	0.13	0.15	0.92	0.86	0.65	0.54	0.54	1.00	0.60	0.56	0.74	0.74	0.78	0.75	0.77
AVLV	0.04	0.14	0.11	0.56	0.52	0.84	0.86	0.90	0.60	1.00	0.86	0.71	0.69	0.73	0.71	0.71
AVSC	0.11	0.20	0.17	0.51	0.52	0.71	0.95	0.97	0.56	0.86	1.00	0.67	0.68	0.69	0.70	0.70
DFIVX	0.16	0.19	0.20	0.69	0.65	0.63	0.66	0.68	0.74	0.71	0.67	1.00	0.91	0.93	0.91	0.90
AVDV	0.20	0.22	0.23	0.68	0.67	0.62	0.66	0.68	0.74	0.69	0.68	0.91	1.00	0.90	0.97	0.96
SCHF	0.19	0.25	0.25	0.71	0.68	0.73	0.67	0.68	0.78	0.73	0.69	0.93	0.90	1.00	0.93	0.93
AVDS	0.22	0.25	0.26	0.68	0.69	0.68	0.67	0.69	0.75	0.71	0.70	0.91	0.97	0.93	1.00	0.98
FNDC	0.24	0.27	0.29	0.70	0.70	0.68	0.68	0.68	0.77	0.71	0.70	0.90	0.96	0.93	0.98	1.00

The correlation results are calculated based on daily price changes starting from Jul 21, 2023

Performance Analysis

Risk Analysis

Optimization

Factor Model

Matson Money Growth 20% bonds LIVE***

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

Portfolios

Screeners

Community