Early Retirement V6.6

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Early Retirement V6.6

Currency in USD · Last updated May 21, 2025

Asset Allocation

Position	Category/Sector	Target 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	20%
IAU iShares Gold Trust	Precious Metals, Gold	20%
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%
TLT iShares 20+ Year Treasury Bond ETF	Government Bonds	10%
TSLA Tesla, Inc.	Consumer Cyclical	2.50%

Benchmark

S&P 500

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is Apr 3, 2014, corresponding to the inception date of GOOG

Returns By Period

As of May 21, 2025, the Early Retirement V6.6 returned 4.75% Year-To-Date and 14.99% of annualized return in the last 10 years.

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	1.00%	12.45%	0.40%	11.91%	15.04%	10.82%
Early Retirement V6.6	4.75%	4.61%	4.26%	16.48%	16.54%	14.99%
Portfolio components:
SCHD Schwab US Dividend Equity ETF	-2.20%	5.79%	-6.07%	3.82%	13.30%	10.61%
IAU iShares Gold Trust	25.47%	-3.82%	24.17%	35.57%	13.51%	10.30%
GSY Invesco Ultra Short Duration ETF	1.81%	0.48%	2.45%	5.59%	3.00%	2.51%
MSFT Microsoft Corporation	9.12%	27.82%	10.92%	7.61%	21.12%	27.40%
AAPL Apple Inc	-17.20%	7.23%	-9.45%	8.05%	21.85%	21.43%
GOOG Alphabet Inc	-13.09%	10.32%	-6.56%	-7.48%	18.82%	19.92%
TSLA Tesla, Inc.	-14.86%	51.13%	0.52%	84.26%	44.19%	35.47%
NVDA NVIDIA Corporation	0.08%	38.66%	-7.87%	40.92%	72.71%	74.79%
AMZN Amazon.com, Inc.	-6.98%	21.96%	0.59%	11.42%	10.78%	25.31%
NFLX Netflix, Inc.	33.74%	20.66%	34.87%	83.22%	22.27%	29.65%
META Meta Platforms, Inc.	8.91%	31.45%	12.85%	37.62%	22.57%	23.03%
TLT iShares 20+ Year Treasury Bond ETF	-0.80%	-0.30%	-3.47%	-2.82%	-9.87%	-0.85%

*Annualized

Monthly Returns

The table below presents the monthly returns of Early Retirement V6.6, 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	2.71%	0.42%	-0.15%	-0.53%	2.25%								4.75%
2024	0.42%	2.78%	3.72%	-2.09%	3.69%	2.28%	2.59%	1.82%	2.71%	0.98%	2.97%	-1.57%	22.05%
2023	6.89%	-1.43%	4.79%	0.13%	2.83%	4.03%	2.97%	-0.97%	-4.55%	-0.82%	6.71%	4.03%	26.72%
2022	-3.82%	-0.79%	1.81%	-6.33%	-0.29%	-4.62%	3.27%	-2.82%	-5.32%	2.29%	5.29%	-2.28%	-13.45%
2021	-0.96%	-0.23%	2.44%	3.44%	2.05%	0.55%	1.43%	2.39%	-3.14%	5.21%	0.72%	2.08%	16.90%
2020	3.48%	-2.31%	-4.49%	9.62%	2.93%	3.45%	7.99%	8.98%	-4.36%	-1.96%	7.94%	5.52%	41.66%
2019	4.65%	1.61%	1.75%	1.76%	-3.94%	5.89%	0.96%	1.51%	0.35%	2.74%	1.50%	2.69%	23.31%
2018	5.04%	-2.20%	-1.74%	0.12%	2.32%	0.57%	0.22%	2.56%	-0.35%	-4.33%	0.17%	-3.00%	-0.98%
2017	2.74%	2.26%	1.04%	1.57%	2.72%	-0.83%	2.17%	1.95%	-0.10%	2.97%	1.16%	1.23%	20.51%
2016	-0.72%	2.56%	3.52%	0.47%	0.70%	2.77%	3.49%	-0.53%	0.96%	-0.88%	-0.93%	1.99%	14.08%
2015	2.37%	1.10%	-1.96%	2.14%	0.91%	-1.50%	1.92%	-1.39%	-0.72%	5.36%	0.76%	-0.47%	8.63%
2014				0.04%	1.50%	2.51%	-1.33%	3.42%	-1.96%	0.01%	1.78%	-0.67%	5.27%

Expense Ratio

Early Retirement V6.6 has an expense ratio of 0.13%, 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

TLT

iShares 20+ Year Treasury Bond ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 91, Early Retirement V6.6 is among the top 9% 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.

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.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SCHD Schwab US Dividend Equity ETF	0.22	0.38	1.05	0.19	0.60
IAU iShares Gold Trust	1.99	2.86	1.36	4.69	11.96
GSY Invesco Ultra Short Duration ETF	11.05	26.81	5.99	31.41	205.62
MSFT Microsoft Corporation	0.34	0.72	1.10	0.41	0.90
AAPL Apple Inc	0.27	0.64	1.09	0.28	0.92
GOOG Alphabet Inc	-0.22	-0.03	1.00	-0.18	-0.39
TSLA Tesla, Inc.	1.34	2.11	1.25	1.66	3.96
NVDA NVIDIA Corporation	0.70	1.30	1.16	1.15	2.83
AMZN Amazon.com, Inc.	0.33	0.70	1.09	0.36	0.95
NFLX Netflix, Inc.	2.67	3.67	1.49	4.97	16.26
META Meta Platforms, Inc.	0.99	1.53	1.20	1.03	3.16
TLT iShares 20+ Year Treasury Bond ETF	-0.16	-0.22	0.98	-0.07	-0.40

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 V6.6 Sharpe ratios as of May 21, 2025 (values are recalculated daily):

1-Year: 1.56
5-Year: 1.49
10-Year: 1.42
All Time: 1.40

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 V6.6 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 V6.6 provided a 2.68% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	2.68%	2.63%	2.41%	1.67%	1.13%	1.43%	1.72%	1.74%	1.48%	1.51%	1.52%	1.46%
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%
TLT iShares 20+ Year Treasury Bond ETF	4.43%	4.30%	3.38%	2.67%	1.50%	1.50%	2.27%	2.63%	2.43%	2.60%	2.61%	2.67%

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 V6.6. 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 V6.6 was 18.67%, occurring on Oct 14, 2022. Recovery took 164 trading sessions.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-18.67%	Dec 28, 2021	202	Oct 14, 2022	164	Jun 12, 2023	366
-17.64%	Feb 20, 2020	22	Mar 20, 2020	42	May 20, 2020	64
-11.01%	Oct 3, 2018	57	Dec 24, 2018	59	Mar 21, 2019	116
-8.31%	Feb 21, 2025	33	Apr 8, 2025	28	May 19, 2025	61
-7.89%	Sep 2, 2020	15	Sep 23, 2020	43	Nov 23, 2020	58

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 12 assets, with an effective number of assets of 5.41, 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.

	^GSPC	GSY	IAU	TLT	TSLA	NFLX	SCHD	NVDA	META	AAPL	AMZN	GOOG	MSFT	Portfolio
^GSPC	1.00	0.03	-0.00	-0.17	0.47	0.51	0.83	0.63	0.61	0.68	0.64	0.70	0.75	0.82
GSY	0.03	1.00	0.17	0.19	0.02	0.03	0.02	0.02	0.02	0.03	0.04	0.02	0.02	0.10
IAU	-0.00	0.17	1.00	0.31	0.00	0.03	0.00	-0.00	0.02	-0.01	0.00	0.02	-0.01	0.35
TLT	-0.17	0.19	0.31	1.00	-0.06	-0.03	-0.18	-0.08	-0.09	-0.10	-0.07	-0.10	-0.09	0.09
TSLA	0.47	0.02	0.00	-0.06	1.00	0.39	0.30	0.41	0.37	0.41	0.42	0.39	0.39	0.55
NFLX	0.51	0.03	0.03	-0.03	0.39	1.00	0.31	0.47	0.51	0.43	0.54	0.48	0.49	0.58
SCHD	0.83	0.02	0.00	-0.18	0.30	0.31	1.00	0.41	0.38	0.49	0.39	0.48	0.52	0.68
NVDA	0.63	0.02	-0.00	-0.08	0.41	0.47	0.41	1.00	0.51	0.50	0.54	0.52	0.59	0.64
META	0.61	0.02	0.02	-0.09	0.37	0.51	0.38	0.51	1.00	0.50	0.61	0.65	0.58	0.62
AAPL	0.68	0.03	-0.01	-0.10	0.41	0.43	0.49	0.50	0.50	1.00	0.55	0.57	0.61	0.63
AMZN	0.64	0.04	0.00	-0.07	0.42	0.54	0.39	0.54	0.61	0.55	1.00	0.67	0.64	0.65
GOOG	0.70	0.02	0.02	-0.10	0.39	0.48	0.48	0.52	0.65	0.57	0.67	1.00	0.68	0.66
MSFT	0.75	0.02	-0.01	-0.09	0.39	0.49	0.52	0.59	0.58	0.61	0.64	0.68	1.00	0.69
Portfolio	0.82	0.10	0.35	0.09	0.55	0.58	0.68	0.64	0.62	0.63	0.65	0.66	0.69	1.00

The correlation results are calculated based on daily price changes starting from Apr 4, 2014

Performance Analysis

Risk Analysis

Optimization

Factor Model

Early Retirement V6.6

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