Roth IRA Retirement
40% - JEPI 40% - SCHD 10% - VOO 5% - QQQM 5% - VGT
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
JEPI JPMorgan Equity Premium Income ETF | Actively Managed, Dividend, Derivative Income | 40% |
QQQM Invesco NASDAQ 100 ETF | Large Cap Growth Equities | 5% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 40% |
VGT Vanguard Information Technology ETF | Technology Equities | 5% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 10% |
Performance
Performance Chart
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The earliest data available for this chart is Oct 13, 2020, corresponding to the inception date of QQQM
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.12% | 6.51% | -1.84% | 10.98% | 14.10% | 10.82% |
| Roth IRA Retirement | -1.36% | 3.12% | -5.47% | 7.40% | N/A | N/A |
| Portfolio components: | ||||||
JEPI JPMorgan Equity Premium Income ETF | -0.17% | 2.37% | -4.08% | 6.76% | 10.87% | N/A |
SCHD Schwab US Dividend Equity ETF | -3.83% | 0.97% | -9.92% | 4.76% | 12.11% | 10.50% |
VOO Vanguard S&P 500 ETF | 0.61% | 6.68% | -1.22% | 12.39% | 15.83% | 12.79% |
QQQM Invesco NASDAQ 100 ETF | 1.69% | 9.85% | 3.04% | 13.64% | N/A | N/A |
VGT Vanguard Information Technology ETF | -2.26% | 11.26% | -1.35% | 10.96% | 19.28% | 19.80% |
Monthly Returns
The table below presents the monthly returns of Roth IRA Retirement , 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 | 2.08% | 1.15% | -3.14% | -3.82% | 2.55% | -1.36% | |||||||
| 2024 | 1.13% | 2.71% | 3.16% | -3.81% | 2.92% | 1.26% | 3.25% | 2.45% | 1.55% | -0.39% | 4.77% | -4.50% | 14.97% |
| 2023 | 3.20% | -2.45% | 1.92% | 0.76% | -1.46% | 4.65% | 3.01% | -0.96% | -3.96% | -2.37% | 6.52% | 4.31% | 13.32% |
| 2022 | -3.83% | -1.98% | 3.30% | -5.25% | 1.42% | -6.39% | 5.67% | -3.24% | -7.56% | 8.88% | 5.93% | -3.56% | -7.90% |
| 2021 | -1.12% | 3.06% | 6.74% | 3.00% | 1.92% | 1.16% | 1.84% | 2.21% | -4.18% | 5.10% | -1.30% | 5.83% | 26.49% |
| 2020 | -5.10% | 10.42% | 3.17% | 8.10% |
Expense Ratio
Roth IRA Retirement has an expense ratio of 0.18%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of Roth IRA Retirement is 20, meaning it’s performing worse than 80% of other portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
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 | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
JEPI JPMorgan Equity Premium Income ETF | 0.49 | 0.72 | 1.11 | 0.46 | 1.94 |
SCHD Schwab US Dividend Equity ETF | 0.29 | 0.46 | 1.06 | 0.25 | 0.76 |
VOO Vanguard S&P 500 ETF | 0.64 | 1.07 | 1.16 | 0.71 | 2.69 |
QQQM Invesco NASDAQ 100 ETF | 0.54 | 1.00 | 1.14 | 0.67 | 2.16 |
VGT Vanguard Information Technology ETF | 0.36 | 0.80 | 1.11 | 0.48 | 1.54 |
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Dividends
Dividend yield
Roth IRA Retirement provided a 5.00% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 5.00% | 4.57% | 4.97% | 6.28% | 3.92% | 3.79% | 1.43% | 1.50% | 1.28% | 1.42% | 1.46% | 1.29% |
| Portfolio components: | ||||||||||||
JEPI JPMorgan Equity Premium Income ETF | 8.04% | 7.33% | 8.40% | 11.67% | 6.59% | 5.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SCHD Schwab US Dividend Equity ETF | 3.99% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
VOO Vanguard S&P 500 ETF | 1.29% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
QQQM Invesco NASDAQ 100 ETF | 0.58% | 0.61% | 0.65% | 0.83% | 0.40% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VGT Vanguard Information Technology ETF | 0.52% | 0.60% | 0.65% | 0.91% | 0.64% | 0.82% | 1.11% | 1.29% | 0.99% | 1.31% | 1.28% | 1.12% |
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 Roth IRA Retirement . 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 Roth IRA Retirement was 17.54%, occurring on Sep 30, 2022. Recovery took 201 trading sessions.
The current Roth IRA Retirement drawdown is 5.80%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -17.54% | Jan 5, 2022 | 186 | Sep 30, 2022 | 201 | Jul 21, 2023 | 387 |
| -15.47% | Dec 2, 2024 | 87 | Apr 8, 2025 | — | — | — |
| -8.86% | Aug 1, 2023 | 63 | Oct 27, 2023 | 30 | Dec 11, 2023 | 93 |
| -5.4% | Oct 19, 2020 | 8 | Oct 28, 2020 | 6 | Nov 5, 2020 | 14 |
| -4.82% | Jul 18, 2024 | 13 | Aug 5, 2024 | 9 | Aug 16, 2024 | 22 |
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 5 assets, with an effective number of assets of 2.99, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | SCHD | JEPI | VGT | QQQM | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.76 | 0.81 | 0.91 | 0.92 | 1.00 | 0.92 |
| SCHD | 0.76 | 1.00 | 0.81 | 0.54 | 0.54 | 0.76 | 0.93 |
| JEPI | 0.81 | 0.81 | 1.00 | 0.64 | 0.65 | 0.82 | 0.92 |
| VGT | 0.91 | 0.54 | 0.64 | 1.00 | 0.97 | 0.91 | 0.75 |
| QQQM | 0.92 | 0.54 | 0.65 | 0.97 | 1.00 | 0.92 | 0.76 |
| VOO | 1.00 | 0.76 | 0.82 | 0.91 | 0.92 | 1.00 | 0.92 |
| Portfolio | 0.92 | 0.93 | 0.92 | 0.75 | 0.76 | 0.92 | 1.00 |