3 ETF (Retirement)
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 50% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 10% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 40% |
Performance
Performance Chart
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The earliest data available for this chart is Oct 20, 2011, corresponding to the inception date of SCHD
Returns By Period
As of May 18, 2025, the 3 ETF (Retirement) returned 0.02% Year-To-Date and 12.22% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 1.30% | 12.79% | 1.49% | 12.35% | 15.12% | 10.89% |
| 3 ETF (Retirement) | 0.02% | 9.23% | -1.30% | 9.35% | 15.54% | 12.22% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | 1.73% | 12.89% | 2.12% | 13.74% | 16.87% | 12.86% |
SCHG Schwab U.S. Large-Cap Growth ETF | -0.47% | 16.97% | 2.93% | 17.51% | 19.16% | 15.92% |
SCHD Schwab US Dividend Equity ETF | -1.76% | 4.64% | -5.38% | 3.48% | 13.16% | 10.65% |
Monthly Returns
The table below presents the monthly returns of 3 ETF (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 | 2.22% | 0.36% | -3.59% | -4.02% | 5.36% | 0.02% | |||||||
| 2024 | 0.98% | 3.71% | 3.82% | -4.26% | 3.64% | 2.18% | 3.48% | 2.32% | 1.56% | -0.33% | 5.37% | -4.18% | 19.30% |
| 2023 | 4.55% | -2.77% | 1.87% | 0.37% | -1.19% | 5.96% | 3.76% | -1.49% | -4.53% | -2.93% | 7.95% | 5.40% | 17.30% |
| 2022 | -4.35% | -2.55% | 3.46% | -6.89% | 1.84% | -8.09% | 6.92% | -3.55% | -8.41% | 9.30% | 6.04% | -4.77% | -12.38% |
| 2021 | -0.93% | 4.18% | 6.53% | 3.99% | 1.68% | 1.07% | 1.63% | 2.62% | -4.26% | 5.91% | -1.27% | 5.57% | 29.51% |
| 2020 | -0.62% | -8.56% | -11.97% | 12.89% | 4.46% | 0.84% | 5.77% | 6.34% | -3.16% | -1.11% | 11.99% | 3.45% | 18.70% |
| 2019 | 7.09% | 3.65% | 1.81% | 3.68% | -6.95% | 7.14% | 1.60% | -1.40% | 2.72% | 1.87% | 3.32% | 2.61% | 29.80% |
| 2018 | 5.23% | -4.58% | -2.43% | -0.36% | 2.26% | 0.78% | 3.96% | 2.93% | 0.91% | -6.53% | 2.54% | -8.45% | -4.68% |
| 2017 | 0.82% | 3.68% | 0.19% | 0.76% | 1.67% | 0.22% | 1.92% | 0.21% | 2.35% | 3.04% | 3.63% | 1.60% | 21.95% |
| 2016 | -3.81% | 0.31% | 6.63% | 0.01% | 1.60% | 1.46% | 3.40% | -0.09% | 0.16% | -1.75% | 3.40% | 2.03% | 13.76% |
| 2015 | -2.84% | 5.50% | -1.88% | 0.76% | 0.92% | -2.58% | 1.52% | -5.72% | -1.70% | 8.59% | 0.34% | -1.41% | 0.72% |
| 2014 | -3.88% | 4.29% | 1.26% | 1.20% | 1.92% | 1.75% | -1.51% | 3.73% | -0.83% | 2.23% | 2.90% | -0.62% | 12.84% |
Expense Ratio
3 ETF (Retirement) has an expense ratio of 0.05%, 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 3 ETF (Retirement) is 27, indicating average performance compared to other portfolios on our website. Here’s 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 | |
|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | 0.72 | 1.20 | 1.18 | 0.81 | 3.09 |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.70 | 1.19 | 1.17 | 0.81 | 2.70 |
SCHD Schwab US Dividend Equity ETF | 0.22 | 0.45 | 1.06 | 0.25 | 0.78 |
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Dividends
Dividend yield
3 ETF (Retirement) provided a 2.51% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.51% | 2.36% | 2.37% | 2.43% | 1.93% | 2.25% | 2.32% | 2.48% | 2.13% | 2.35% | 2.45% | 2.16% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.28% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.41% | 0.40% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% | 1.09% |
SCHD Schwab US Dividend Equity ETF | 3.91% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
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 3 ETF (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 3 ETF (Retirement) was 33.26%, occurring on Mar 23, 2020. Recovery took 97 trading sessions.
The current 3 ETF (Retirement) drawdown is 4.16%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -33.26% | Feb 13, 2020 | 27 | Mar 23, 2020 | 97 | Aug 10, 2020 | 124 |
| -21.21% | Jan 5, 2022 | 186 | Sep 30, 2022 | 302 | Dec 13, 2023 | 488 |
| -18.39% | Sep 24, 2018 | 64 | Dec 24, 2018 | 70 | Apr 5, 2019 | 134 |
| -16.66% | Dec 2, 2024 | 87 | Apr 8, 2025 | — | — | — |
| -12.55% | May 22, 2015 | 66 | Aug 25, 2015 | 148 | Mar 29, 2016 | 214 |
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 3 assets, with an effective number of assets of 2.38, 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 | SCHG | VOO | Portfolio | |
|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.85 | 0.94 | 1.00 | 0.97 |
| SCHD | 0.85 | 1.00 | 0.69 | 0.85 | 0.94 |
| SCHG | 0.94 | 0.69 | 1.00 | 0.94 | 0.87 |
| VOO | 1.00 | 0.85 | 0.94 | 1.00 | 0.97 |
| Portfolio | 0.97 | 0.94 | 0.87 | 0.97 | 1.00 |