Top 10 Retirement ETFs

Asset Allocation

Position	Category/Sector	Target Weight
ACWI iShares MSCI ACWI ETF	Large Cap Growth Equities	10%
IVV iShares Core S&P 500 ETF	S&P 500	10%
RSP Invesco S&P 500 Equal Weight ETF	S&P 500	10%
SCHA Schwab U.S. Small-Cap ETF	Small Cap Growth Equities	10%
VIG Vanguard Dividend Appreciation ETF	Dividend	10%
VNQ Vanguard Real Estate ETF	REIT	10%
VOO Vanguard S&P 500 ETF	S&P 500	10%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	10%
XLE State Street Energy Select Sector SPDR ETF	Energy Equities	10%
XLRE Real Estate Select Sector SPDR Fund	REIT	10%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Top 10 Retirement ETFs, 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 Oct 8, 2015, corresponding to the inception date of XLRE

Returns By Period

As of Apr 4, 2026, the Top 10 Retirement ETFs returned 3.55% Year-To-Date and 11.62% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-4.18%	-3.84%	-1.98%	21.98%	16.86%	10.37%	12.29%
Portfolio Top 10 Retirement ETFs	0.47%	-2.47%	3.55%	4.36%	22.63%	14.78%	10.25%	11.62%
Portfolio components:
VOO Vanguard S&P 500 ETF	0.11%	-4.01%	-3.55%	-1.41%	23.49%	18.47%	11.96%	14.19%
RSP Invesco S&P 500 Equal Weight ETF	0.29%	-4.42%	1.23%	1.80%	17.90%	11.92%	7.94%	11.31%
VTI Vanguard Total Stock Market ETF	0.16%	-3.97%	-3.13%	-1.30%	24.10%	18.10%	10.66%	13.75%
VIG Vanguard Dividend Appreciation ETF	0.16%	-3.84%	-1.33%	-0.02%	16.93%	13.72%	9.86%	12.36%
VNQ Vanguard Real Estate ETF	1.36%	-4.55%	3.06%	0.66%	6.59%	7.33%	3.14%	4.85%
IVV iShares Core S&P 500 ETF	0.14%	-4.01%	-3.54%	-1.39%	23.53%	18.49%	11.96%	14.16%
SCHA Schwab U.S. Small-Cap ETF	0.58%	-2.80%	3.79%	5.07%	34.68%	13.69%	4.61%	10.10%
XLRE Real Estate Select Sector SPDR Fund	1.61%	-4.27%	3.82%	0.64%	5.48%	7.60%	4.11%	6.16%
XLE State Street Energy Select Sector SPDR ETF	0.47%	6.14%	33.39%	35.30%	41.00%	14.70%	23.16%	11.36%
ACWI iShares MSCI ACWI ETF	-0.16%	-3.83%	-1.45%	0.84%	25.54%	17.05%	9.57%	11.70%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 9, 2015, Top 10 Retirement ETFs's average daily return is +0.05%, while the average monthly return is +0.98%. At this rate, your investment would double in approximately 5.9 years.

Historically, 68% of months were positive and 32% were negative. The best month was Apr 2020 with a return of +13.7%, while the worst month was Mar 2020 at -16.7%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Top 10 Retirement ETFs closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +9.7%, while the worst single day was Mar 16, 2020 at -13.0%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.76%	2.75%	-3.51%	0.65%									3.55%
2025	2.73%	0.15%	-3.62%	-2.59%	4.19%	3.85%	1.43%	2.96%	2.04%	0.28%	1.41%	-0.41%	12.80%
2024	-0.91%	4.06%	3.84%	-4.87%	3.92%	1.47%	4.01%	2.37%	1.73%	-1.51%	6.14%	-5.49%	14.94%
2023	7.08%	-3.74%	0.65%	1.08%	-2.66%	6.64%	3.60%	-2.19%	-4.49%	-3.38%	8.71%	6.14%	17.45%
2022	-3.79%	-1.32%	4.42%	-6.48%	0.84%	-9.07%	8.75%	-3.45%	-9.96%	9.12%	5.50%	-4.92%	-12.02%
2021	0.18%	5.30%	4.39%	4.82%	1.47%	1.98%	0.99%	2.06%	-3.47%	6.78%	-2.16%	5.55%	31.05%

Benchmark Metrics

Top 10 Retirement ETFs has an annualized alpha of 0.06%, beta of 0.94, and R² of 0.92 versus S&P 500 Index. Calculated based on daily prices since October 09, 2015.

With beta of 0.94 and R² of 0.92, 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: 0.06%

Beta: 0.94

R²: 0.92

Upside Capture: 95.65%

Downside Capture: 98.25%

Expense Ratio

Top 10 Retirement ETFs has an expense ratio of 0.10%, 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.

ACWI

iShares MSCI ACWI ETF

RSP

Invesco S&P 500 Equal Weight ETF

VNQ

Vanguard Real Estate ETF

XLRE

Real Estate Select Sector SPDR Fund

XLE

State Street Energy Select Sector SPDR ETF

VIG

Vanguard Dividend Appreciation ETF

SCHA

Schwab U.S. Small-Cap ETF

VOO

Vanguard S&P 500 ETF

VTI

Vanguard Total Stock Market ETF

IVV

iShares Core S&P 500 ETF

Return for Risk

Risk / Return Rank

Top 10 Retirement ETFs ranks 31 for risk / return — below 31% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.

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	1.02	0.88	+0.14
Sortino ratio Return per unit of downside risk	1.50	1.37	+0.13
Omega ratio Gain probability vs. loss probability	1.24	1.21	+0.03
Calmar ratio Return relative to maximum drawdown	1.36	1.39	-0.03
Martin ratio Return relative to average drawdown	7.01	6.43	+0.57
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
VOO Vanguard S&P 500 ETF	53	0.98	1.49	1.23	1.53	7.13
RSP Invesco S&P 500 Equal Weight ETF	35	0.72	1.13	1.16	1.05	4.68
VTI Vanguard Total Stock Market ETF	52	0.94	1.47	1.22	1.53	7.16
VIG Vanguard Dividend Appreciation ETF	42	0.84	1.28	1.19	1.24	5.41
VNQ Vanguard Real Estate ETF	15	0.18	0.36	1.05	0.29	1.11
IVV iShares Core S&P 500 ETF	53	0.97	1.48	1.23	1.52	7.13
SCHA Schwab U.S. Small-Cap ETF	60	1.11	1.67	1.22	1.90	7.87
XLRE Real Estate Select Sector SPDR Fund	14	0.14	0.31	1.04	0.24	0.82
XLE State Street Energy Select Sector SPDR ETF	53	1.19	1.58	1.23	1.60	4.21
ACWI iShares MSCI ACWI ETF	64	1.19	1.76	1.26	1.82	8.22

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.

Top 10 Retirement ETFs Sharpe ratios as of Apr 4, 2026 (values are recalculated daily):

1-Year: 1.02
5-Year: 0.65
10-Year: 0.66
All Time: 0.64

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 0.99 to 1.69, 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 Top 10 Retirement ETFs compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Loading graphics...

Dividends

Dividend yield

Top 10 Retirement ETFs provided a 1.93% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.93%	2.01%	2.09%	2.20%	2.32%	1.88%	2.30%	2.58%	2.62%	2.23%	2.43%	2.28%
Portfolio components:
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%
RSP Invesco S&P 500 Equal Weight ETF	1.61%	1.64%	1.52%	1.64%	1.82%	1.28%	1.64%	1.69%	2.02%	1.52%	1.20%	1.70%
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%
VIG Vanguard Dividend Appreciation ETF	1.60%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
VNQ Vanguard Real Estate ETF	3.86%	3.92%	3.85%	3.95%	3.91%	2.56%	3.93%	3.39%	4.74%	4.23%	4.82%	3.92%
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%
SCHA Schwab U.S. Small-Cap ETF	1.15%	1.26%	1.51%	1.42%	1.37%	1.19%	1.05%	1.39%	1.58%	1.24%	1.50%	1.48%
XLRE Real Estate Select Sector SPDR Fund	3.36%	3.45%	3.43%	3.31%	3.70%	2.61%	3.15%	3.06%	3.78%	3.25%	4.22%	1.09%
XLE State Street Energy Select Sector SPDR ETF	2.52%	3.28%	3.36%	3.55%	3.68%	4.21%	5.62%	6.72%	3.54%	3.03%	2.26%	3.39%
ACWI iShares MSCI ACWI ETF	1.58%	1.55%	1.70%	1.88%	1.79%	1.71%	1.43%	2.33%	2.18%	1.94%	2.19%	2.56%

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 Top 10 Retirement ETFs. 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 Top 10 Retirement ETFs was 38.32%, occurring on Mar 23, 2020. Recovery took 166 trading sessions.

The current Top 10 Retirement ETFs drawdown is 3.13%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-38.32%	Feb 18, 2020	25	Mar 23, 2020	166	Nov 16, 2020	191
-20.44%	Mar 30, 2022	128	Sep 30, 2022	302	Dec 13, 2023	430
-18.56%	Sep 24, 2018	64	Dec 24, 2018	69	Apr 4, 2019	133
-17.63%	Dec 2, 2024	87	Apr 8, 2025	59	Jul 3, 2025	146
-14.18%	Nov 4, 2015	68	Feb 11, 2016	45	Apr 18, 2016	113

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 10.00, 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	XLE	XLRE	VNQ	SCHA	VIG	ACWI	IVV	VOO	RSP	VTI	Portfolio
Benchmark	1.00	0.48	0.55	0.59	0.83	0.91	0.96	1.00	1.00	0.90	0.99	0.92
XLE	0.48	1.00	0.26	0.31	0.55	0.46	0.50	0.48	0.48	0.60	0.49	0.63
XLRE	0.55	0.26	1.00	0.97	0.54	0.62	0.55	0.55	0.55	0.63	0.56	0.70
VNQ	0.59	0.31	0.97	1.00	0.61	0.65	0.58	0.59	0.59	0.68	0.60	0.75
SCHA	0.83	0.55	0.54	0.61	1.00	0.80	0.84	0.83	0.83	0.91	0.88	0.91
VIG	0.91	0.46	0.62	0.65	0.80	1.00	0.88	0.91	0.91	0.92	0.91	0.91
ACWI	0.96	0.50	0.55	0.58	0.84	0.88	1.00	0.96	0.96	0.89	0.96	0.92
IVV	1.00	0.48	0.55	0.59	0.83	0.91	0.96	1.00	1.00	0.90	0.99	0.92
VOO	1.00	0.48	0.55	0.59	0.83	0.91	0.96	1.00	1.00	0.90	0.99	0.92
RSP	0.90	0.60	0.63	0.68	0.91	0.92	0.89	0.90	0.90	1.00	0.92	0.97
VTI	0.99	0.49	0.56	0.60	0.88	0.91	0.96	0.99	0.99	0.92	1.00	0.94
Portfolio	0.92	0.63	0.70	0.75	0.91	0.91	0.92	0.92	0.92	0.97	0.94	1.00

The correlation results are calculated based on daily price changes starting from Oct 9, 2015

Top 10 Retirement ETFs

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