Van IRA

Asset Allocation

Position	Category/Sector	Target Weight
BND Vanguard Total Bond Market ETF	Total Bond Market	24%
DGRO iShares Core Dividend Growth ETF	Large Cap Growth Equities, Dividend	1%
O Realty Income Corporation	Real Estate	1%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	13%
VGT Vanguard Information Technology ETF	Technology Equities	4.50%
VOO Vanguard S&P 500 ETF	S&P 500	8.50%
VT Vanguard Total World Stock ETF	Global Equities	4.50%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	31%
VUG Vanguard Growth ETF	Large Cap Growth Equities	4.50%
VYM Vanguard High Dividend Yield ETF	Dividend	8%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Van IRA, 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.

Loading graphics...

The earliest data available for this chart is Jun 12, 2014, corresponding to the inception date of DGRO

Returns By Period

As of Apr 3, 2026, the Van IRA returned 0.26% Year-To-Date and 11.06% of annualized return in the last 10 years.

	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 Van IRA	0.18%	-2.42%	0.26%	1.68%	15.05%	13.95%	8.40%	11.06%
Portfolio components:
O Realty Income Corporation	0.53%	-6.12%	11.80%	6.39%	15.07%	5.34%	4.90%	5.14%
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-2.44%	12.35%	13.88%	13.89%	11.70%	8.35%	12.30%
VYM Vanguard High Dividend Yield ETF	0.11%	-2.81%	3.80%	6.43%	17.34%	14.92%	11.04%	11.27%
VOO Vanguard S&P 500 ETF	0.11%	-3.33%	-3.55%	-1.41%	17.60%	18.47%	11.96%	14.19%
VUG Vanguard Growth ETF	0.11%	-3.66%	-9.29%	-8.34%	17.67%	21.67%	11.69%	16.20%
VT Vanguard Total World Stock ETF	-0.23%	-3.01%	-0.97%	1.52%	21.33%	16.97%	9.38%	11.66%
VGT Vanguard Information Technology ETF	0.85%	-1.42%	-5.36%	-5.79%	29.79%	23.50%	15.02%	21.67%
DGRO iShares Core Dividend Growth ETF	0.16%	-3.33%	1.76%	4.21%	15.91%	14.42%	10.17%	12.88%
VTI Vanguard Total Stock Market ETF	0.16%	-3.26%	-3.13%	-1.24%	17.86%	18.10%	10.66%	13.75%
BND Vanguard Total Bond Market ETF	0.22%	-0.98%	0.31%	0.85%	4.27%	3.53%	0.30%	1.70%

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

Monthly Returns

Based on dividend-adjusted daily data since Jun 13, 2014, Van IRA's average daily return is +0.04%, while the average monthly return is +0.86%. At this rate, your investment would double in approximately 6.7 years.

Historically, 69% of months were positive and 31% were negative. The best month was Apr 2020 with a return of +10.3%, while the worst month was Mar 2020 at -10.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Van IRA closed higher 55% of trading days. The best single day was Mar 13, 2020 with a return of +7.7%, while the worst single day was Mar 12, 2020 at -8.6%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.33%	1.23%	-3.77%	0.58%									0.26%
2025	2.10%	0.03%	-3.61%	-1.34%	3.96%	4.07%	1.29%	2.47%	2.37%	1.26%	0.63%	-0.05%	13.71%
2024	0.68%	2.96%	2.90%	-3.80%	3.67%	2.22%	2.53%	2.09%	1.69%	-1.12%	4.72%	-3.01%	16.27%
2023	5.28%	-2.56%	2.59%	0.72%	-0.57%	4.66%	2.76%	-1.67%	-4.19%	-2.45%	7.85%	4.92%	17.88%
2022	-4.25%	-2.24%	1.71%	-6.91%	0.80%	-6.50%	6.76%	-3.52%	-7.93%	6.33%	5.28%	-4.24%	-15.09%
2021	-0.71%	2.27%	3.40%	3.57%	0.84%	1.60%	1.56%	2.01%	-3.61%	4.77%	-0.89%	3.47%	19.54%

Benchmark Metrics

Van IRA has an annualized alpha of 1.80%, beta of 0.73, and R² of 0.98 versus S&P 500 Index. Calculated based on daily prices since June 13, 2014.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (78.42%) than losses (77.47%) — typical of diversified or defensive assets.

Alpha: 1.80%

Beta: 0.73

R²: 0.98

Upside Capture: 78.42%

Downside Capture: 77.47%

Expense Ratio

Van IRA 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.

VGT

Vanguard Information Technology ETF

DGRO

iShares Core Dividend Growth ETF

SCHD

Schwab U.S. Dividend Equity ETF

Vanguard Total World Stock ETF

VYM

Vanguard High Dividend Yield ETF

VOO

Vanguard S&P 500 ETF

VUG

Vanguard Growth ETF

VTI

Vanguard Total Stock Market ETF

BND

Vanguard Total Bond Market ETF

Return for Risk

Risk / Return Rank

Van IRA ranks 41 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

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	1.13	0.88	+0.25
Sortino ratio Return per unit of downside risk	1.68	1.37	+0.32
Omega ratio Gain probability vs. loss probability	1.26	1.21	+0.05
Calmar ratio Return relative to maximum drawdown	1.61	1.39	+0.22
Martin ratio Return relative to average drawdown	7.84	6.43	+1.41
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
O Realty Income Corporation	66	0.90	1.29	1.16	1.35	4.03
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
VYM Vanguard High Dividend Yield ETF	60	1.15	1.65	1.25	1.59	6.96
VOO Vanguard S&P 500 ETF	54	0.98	1.49	1.23	1.53	7.13
VUG Vanguard Growth ETF	38	0.78	1.27	1.18	1.13	3.90
VT Vanguard Total World Stock ETF	68	1.24	1.83	1.27	1.86	8.47
VGT Vanguard Information Technology ETF	58	1.10	1.67	1.23	1.88	5.72
DGRO iShares Core Dividend Growth ETF	58	1.11	1.61	1.24	1.52	6.97
VTI Vanguard Total Stock Market ETF	54	0.94	1.47	1.22	1.53	7.16
BND Vanguard Total Bond Market ETF	48	1.00	1.42	1.18	1.71	4.64

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.

Van IRA Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 1.13
5-Year: 0.67
10-Year: 0.83
All Time: 0.78

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 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 Van IRA compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Loading graphics...

Dividends

Dividend yield

Van IRA provided a 2.24% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.24%	2.26%	2.28%	2.24%	2.21%	1.76%	2.02%	2.25%	2.45%	2.11%	2.27%	2.35%
Portfolio components:
O Realty Income Corporation	5.20%	6.19%	5.37%	5.33%	4.68%	3.87%	4.51%	3.69%	4.19%	4.45%	4.18%	4.41%
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
VYM Vanguard High Dividend Yield ETF	2.37%	2.44%	2.74%	3.12%	3.01%	2.76%	3.18%	3.03%	3.40%	2.80%	2.91%	3.22%
VOO Vanguard S&P 500 ETF	1.18%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%
VUG Vanguard Growth ETF	0.45%	0.41%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%
VT Vanguard Total World Stock ETF	1.80%	1.82%	1.95%	2.08%	2.20%	1.82%	1.66%	2.32%	2.53%	2.11%	2.39%	2.45%
VGT Vanguard Information Technology ETF	0.43%	0.40%	0.60%	0.65%	0.91%	0.64%	0.82%	1.11%	1.29%	0.99%	1.31%	1.28%
DGRO iShares Core Dividend Growth ETF	2.09%	2.09%	2.26%	2.45%	2.34%	1.93%	2.30%	2.21%	2.44%	2.03%	2.27%	2.52%
VTI Vanguard Total Stock Market ETF	1.16%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
BND Vanguard Total Bond Market ETF	3.92%	3.86%	3.67%	3.09%	2.60%	2.12%	2.38%	2.72%	2.81%	2.54%	2.51%	2.57%

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.

Loading graphics...

Worst Drawdowns

The table below displays the maximum drawdowns of the Van IRA. 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 Van IRA was 26.48%, occurring on Mar 23, 2020. Recovery took 92 trading sessions.

The current Van IRA drawdown is 3.58%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-26.48%	Feb 20, 2020	23	Mar 23, 2020	92	Aug 3, 2020	115
-21.17%	Dec 28, 2021	200	Oct 12, 2022	303	Dec 27, 2023	503
-13.96%	Sep 21, 2018	65	Dec 24, 2018	59	Mar 21, 2019	124
-13.6%	Feb 20, 2025	34	Apr 8, 2025	52	Jun 24, 2025	86
-9.41%	May 22, 2015	66	Aug 25, 2015	149	Mar 30, 2016	215

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.

Loading graphics...

Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 10 assets, with an effective number of assets of 5.25, 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	BND	O	VGT	SCHD	VUG	VYM	DGRO	VT	VTI	VOO	Portfolio
Benchmark	1.00	-0.01	0.33	0.90	0.80	0.94	0.86	0.90	0.95	0.99	1.00	0.98
BND	-0.01	1.00	0.25	0.00	-0.03	0.02	-0.04	-0.02	0.01	-0.01	-0.01	0.08
O	0.33	0.25	1.00	0.21	0.42	0.27	0.41	0.41	0.33	0.33	0.33	0.39
VGT	0.90	0.00	0.21	1.00	0.61	0.95	0.65	0.72	0.85	0.89	0.90	0.87
SCHD	0.80	-0.03	0.42	0.61	1.00	0.63	0.95	0.93	0.80	0.81	0.80	0.85
VUG	0.94	0.02	0.27	0.95	0.63	1.00	0.67	0.75	0.89	0.93	0.94	0.90
VYM	0.86	-0.04	0.41	0.65	0.95	0.67	1.00	0.97	0.85	0.86	0.86	0.89
DGRO	0.90	-0.02	0.41	0.72	0.93	0.75	0.97	1.00	0.88	0.90	0.90	0.93
VT	0.95	0.01	0.33	0.85	0.80	0.89	0.85	0.88	1.00	0.96	0.95	0.96
VTI	0.99	-0.01	0.33	0.89	0.81	0.93	0.86	0.90	0.96	1.00	0.99	0.98
VOO	1.00	-0.01	0.33	0.90	0.80	0.94	0.86	0.90	0.95	0.99	1.00	0.98
Portfolio	0.98	0.08	0.39	0.87	0.85	0.90	0.89	0.93	0.96	0.98	0.98	1.00

The correlation results are calculated based on daily price changes starting from Jun 13, 2014

Van IRA

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