Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH

Asset Allocation

Position	Category/Sector	Target Weight
DGRO iShares Core Dividend Growth ETF	Large Cap Growth Equities, Dividend	0%
DIA SPDR Dow Jones Industrial Average ETF	Large Cap Growth Equities	3.94%
EFV iShares MSCI EAFE Value ETF	Foreign Large Cap Equities	10.39%
FBALX Fidelity Balanced Fund	Diversified Portfolio	7.03%
FLOT iShares Floating Rate Bond ETF	Corporate Bonds	10.61%
FXAIX Fidelity 500 Index Fund	S&P 500	0.20%
IVLU iShares MSCI Intl Value Factor ETF	Foreign Large Cap Equities	6.99%
IVV iShares Core S&P 500 ETF	S&P 500	10.40%
NEAR iShares Short Duration Bond Active ETF	Short-Term Bond	11.42%
SHYG iShares 0-5 Year High Yield Corporate Bond ETF	High Yield Bonds	12.08%
VCSH Vanguard Short-Term Corporate Bond ETF	Corporate Bonds	12.50%
VEU Vanguard FTSE All-World ex-US ETF	Foreign Large Cap Equities	4.67%
VGPMX Vanguard Global Capital Cycles Fund	Global Equities	3%
VMFXX Vanguard Federal Money Market Fund	Money Market	1.38%
VTV Vanguard Value ETF	Large Cap Value Equities	0%
VYMI Vanguard International High Dividend Yield ETF	Dividend, Foreign Large Cap Equities	5.39%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH, 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 May 25, 2021, corresponding to the inception date of VMFXX

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 Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH	-0.05%	-1.14%	1.26%	4.67%	16.43%	12.69%	—	—
Portfolio components:
DGRO iShares Core Dividend Growth ETF	0.16%	-3.33%	1.76%	4.21%	15.91%	14.42%	10.17%	12.88%
DIA SPDR Dow Jones Industrial Average ETF	-0.09%	-4.01%	-2.86%	0.75%	11.91%	13.36%	8.90%	12.30%
EFV iShares MSCI EAFE Value ETF	-0.35%	-0.94%	5.04%	12.72%	32.70%	20.46%	12.60%	9.75%
FBALX Fidelity Balanced Fund	0.25%	-2.74%	-1.49%	0.94%	15.62%	13.77%	7.71%	10.76%
FLOT iShares Floating Rate Bond ETF	0.08%	0.25%	0.82%	1.94%	4.49%	5.83%	4.02%	2.96%
FXAIX Fidelity 500 Index Fund	0.72%	-3.44%	-3.65%	-1.50%	17.37%	18.58%	11.95%	14.16%
IVV iShares Core S&P 500 ETF	0.14%	-3.32%	-3.54%	-1.40%	17.62%	18.49%	11.96%	14.16%
NEAR iShares Short Duration Bond Active ETF	0.14%	-0.31%	0.31%	1.39%	4.66%	5.78%	3.81%	2.84%
SHYG iShares 0-5 Year High Yield Corporate Bond ETF	0.19%	0.10%	0.17%	1.34%	6.67%	7.81%	4.80%	5.42%
VCSH Vanguard Short-Term Corporate Bond ETF	0.08%	-0.44%	0.29%	1.33%	4.99%	5.28%	2.40%	2.74%

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

Monthly Returns

Based on dividend-adjusted daily data since May 26, 2021, Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH's average daily return is +0.03%, while the average monthly return is +0.63%. At this rate, your investment would double in approximately 9.2 years.

Historically, 67% of months were positive and 33% were negative. The best month was Nov 2022 with a return of +5.8%, while the worst month was Jun 2022 at -5.3%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +4.2%, while the worst single day was Apr 4, 2025 at -3.5%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.44%	1.93%	-3.49%	0.49%									1.26%
2025	2.15%	1.30%	-0.25%	0.89%	2.84%	2.35%	0.40%	2.54%	1.77%	1.01%	1.17%	1.46%	19.07%
2024	0.09%	1.56%	2.24%	-1.47%	2.74%	0.04%	2.09%	1.72%	1.40%	-1.67%	1.49%	-1.35%	9.11%
2023	4.43%	-1.69%	1.32%	1.50%	-1.54%	3.18%	2.23%	-1.28%	-1.46%	-1.47%	4.91%	3.13%	13.72%
2022	-0.86%	-1.27%	0.44%	-3.89%	1.27%	-5.28%	3.28%	-2.58%	-5.01%	3.85%	5.79%	-1.33%	-6.10%
2021					0.30%	-0.16%	0.29%	0.86%	-1.54%	1.97%	-2.00%	2.70%	2.34%

Benchmark Metrics

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH has an annualized alpha of 3.17%, beta of 0.44, and R² of 0.81 versus S&P 500 Index. Calculated based on daily prices since May 26, 2021.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (47.51%) than losses (43.83%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 3.17% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.44 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 3.17%

Beta: 0.44

R²: 0.81

Upside Capture: 47.51%

Downside Capture: 43.83%

Expense Ratio

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH has an expense ratio of 0.22%, 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.

Top 10 holdings

FBALX

Fidelity Balanced Fund

EFV

iShares MSCI EAFE Value ETF

VGPMX

Vanguard Global Capital Cycles Fund

SHYG

iShares 0-5 Year High Yield Corporate Bond ETF

IVLU

iShares MSCI Intl Value Factor ETF

NEAR

iShares Short Duration Bond Active ETF

FLOT

iShares Floating Rate Bond ETF

DIA

SPDR Dow Jones Industrial Average ETF

DGRO

iShares Core Dividend Growth ETF

VEU

Vanguard FTSE All-World ex-US ETF

Return for Risk

Risk / Return Rank

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH ranks 84 for risk / return — in the top 84% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

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	1.85	0.88	+0.96
Sortino ratio Return per unit of downside risk	2.61	1.37	+1.25
Omega ratio Gain probability vs. loss probability	1.41	1.21	+0.20
Calmar ratio Return relative to maximum drawdown	2.56	1.39	+1.17
Martin ratio Return relative to average drawdown	11.20	6.43	+4.76
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
DGRO iShares Core Dividend Growth ETF	58	1.11	1.61	1.24	1.52	6.97
DIA SPDR Dow Jones Industrial Average ETF	36	0.71	1.13	1.16	1.16	4.21
EFV iShares MSCI EAFE Value ETF	87	1.94	2.59	1.39	2.91	11.15
FBALX Fidelity Balanced Fund	73	1.35	1.97	1.30	2.04	9.30
FLOT iShares Floating Rate Bond ETF	92	2.12	2.66	1.96	2.88	22.40
FXAIX Fidelity 500 Index Fund	50	1.00	1.52	1.23	1.53	7.30
IVV iShares Core S&P 500 ETF	54	0.97	1.48	1.23	1.52	7.13
NEAR iShares Short Duration Bond Active ETF	95	2.48	3.70	1.58	4.00	15.31
SHYG iShares 0-5 Year High Yield Corporate Bond ETF	73	1.29	1.93	1.33	1.82	10.28
VCSH Vanguard Short-Term Corporate Bond ETF	93	2.20	3.23	1.46	3.56	14.38

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.

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 1.85
All Time: 0.94

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 1.01 to 1.70, 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 Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH 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

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH provided a 4.16% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	4.16%	4.17%	4.43%	4.03%	3.35%	2.95%	2.58%	3.34%	3.80%	2.96%	2.51%	2.56%
Portfolio components:
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%
DIA SPDR Dow Jones Industrial Average ETF	1.51%	1.43%	1.61%	1.81%	1.91%	1.58%	1.87%	1.85%	2.24%	1.97%	2.26%	2.33%
EFV iShares MSCI EAFE Value ETF	3.96%	4.16%	4.66%	4.36%	4.17%	4.07%	2.42%	4.62%	4.56%	3.56%	3.28%	3.59%
FBALX Fidelity Balanced Fund	5.77%	5.69%	5.67%	2.28%	8.06%	9.66%	5.90%	4.24%	10.99%	7.90%	3.07%	7.70%
FLOT iShares Floating Rate Bond ETF	4.68%	4.84%	5.82%	5.66%	2.06%	0.43%	1.25%	2.78%	2.41%	1.46%	0.97%	0.53%
FXAIX Fidelity 500 Index Fund	1.16%	1.11%	1.25%	1.45%	1.69%	1.22%	1.60%	2.06%	2.72%	1.97%	2.52%	2.83%
IVV iShares Core S&P 500 ETF	1.22%	1.17%	1.30%	1.44%	1.66%	1.20%	1.57%	1.85%	2.21%	1.75%	2.01%	2.27%
NEAR iShares Short Duration Bond Active ETF	4.49%	4.54%	5.00%	4.59%	1.78%	0.76%	1.53%	2.69%	2.25%	1.52%	1.07%	0.85%
SHYG iShares 0-5 Year High Yield Corporate Bond ETF	7.07%	7.03%	6.93%	6.54%	5.57%	4.83%	5.07%	5.33%	5.90%	5.49%	5.53%	5.17%
VCSH Vanguard Short-Term Corporate Bond ETF	4.43%	4.35%	3.96%	3.09%	2.01%	1.81%	2.27%	2.87%	2.65%	2.26%	2.10%	2.08%

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 Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH. 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 Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH was 14.40%, occurring on Sep 30, 2022. Recovery took 194 trading sessions.

The current Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH drawdown is 3.33%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-14.4%	Jan 13, 2022	180	Sep 30, 2022	194	Jul 12, 2023	374
-7.38%	Mar 26, 2025	10	Apr 8, 2025	17	May 2, 2025	27
-5.45%	Feb 26, 2026	22	Mar 27, 2026	—	—	—
-4.85%	Aug 1, 2023	63	Oct 27, 2023	19	Nov 24, 2023	82
-3.53%	Jul 17, 2024	14	Aug 5, 2024	10	Aug 19, 2024	24

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 16 assets, with an effective number of assets of 10.67, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

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	VMFXX	NEAR	FLOT	VCSH	VGPMX	SHYG	IVLU	EFV	VTV	DIA	VYMI	DGRO	FXAIX	IVV	VEU	FBALX	Portfolio
Benchmark	1.00	0.03	0.10	0.30	0.27	0.66	0.72	0.67	0.66	0.81	0.88	0.68	0.85	1.00	1.00	0.76	0.97	0.87
VMFXX	0.03	1.00	0.10	0.01	0.07	-0.02	0.02	-0.05	-0.04	0.05	0.03	-0.04	0.06	0.03	0.03	-0.04	0.03	-0.00
NEAR	0.10	0.10	1.00	0.14	0.69	0.15	0.33	0.15	0.18	0.11	0.11	0.17	0.12	0.10	0.10	0.17	0.18	0.22
FLOT	0.30	0.01	0.14	1.00	0.16	0.23	0.34	0.26	0.25	0.28	0.29	0.26	0.29	0.30	0.31	0.27	0.30	0.32
VCSH	0.27	0.07	0.69	0.16	1.00	0.28	0.57	0.29	0.31	0.25	0.26	0.31	0.28	0.26	0.27	0.33	0.39	0.40
VGPMX	0.66	-0.02	0.15	0.23	0.28	1.00	0.57	0.81	0.82	0.70	0.64	0.86	0.66	0.66	0.66	0.85	0.68	0.85
SHYG	0.72	0.02	0.33	0.34	0.57	0.57	1.00	0.62	0.63	0.64	0.67	0.63	0.67	0.72	0.73	0.68	0.78	0.78
IVLU	0.67	-0.05	0.15	0.26	0.29	0.81	0.62	1.00	0.98	0.72	0.69	0.96	0.71	0.67	0.67	0.91	0.68	0.92
EFV	0.66	-0.04	0.18	0.25	0.31	0.82	0.63	0.98	1.00	0.73	0.69	0.98	0.71	0.66	0.66	0.92	0.68	0.92
VTV	0.81	0.05	0.11	0.28	0.25	0.70	0.64	0.72	0.73	1.00	0.92	0.74	0.97	0.80	0.81	0.72	0.76	0.83
DIA	0.88	0.03	0.11	0.29	0.26	0.64	0.67	0.69	0.69	0.92	1.00	0.70	0.93	0.87	0.88	0.72	0.84	0.84
VYMI	0.68	-0.04	0.17	0.26	0.31	0.86	0.63	0.96	0.98	0.74	0.70	1.00	0.72	0.68	0.68	0.95	0.70	0.93
DGRO	0.85	0.06	0.12	0.29	0.28	0.66	0.67	0.71	0.71	0.97	0.93	0.72	1.00	0.85	0.86	0.72	0.81	0.84
FXAIX	1.00	0.03	0.10	0.30	0.26	0.66	0.72	0.67	0.66	0.80	0.87	0.68	0.85	1.00	1.00	0.77	0.97	0.87
IVV	1.00	0.03	0.10	0.31	0.27	0.66	0.73	0.67	0.66	0.81	0.88	0.68	0.86	1.00	1.00	0.77	0.97	0.87
VEU	0.76	-0.04	0.17	0.27	0.33	0.85	0.68	0.91	0.92	0.72	0.72	0.95	0.72	0.77	0.77	1.00	0.79	0.95
FBALX	0.97	0.03	0.18	0.30	0.39	0.68	0.78	0.68	0.68	0.76	0.84	0.70	0.81	0.97	0.97	0.79	1.00	0.89
Portfolio	0.87	-0.00	0.22	0.32	0.40	0.85	0.78	0.92	0.92	0.83	0.84	0.93	0.84	0.87	0.87	0.95	0.89	1.00

The correlation results are calculated based on daily price changes starting from May 26, 2021

Fidelity 2-8-26 DGRO VTV to IUSV, 2% to VCSH

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

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