Sep Retirement Port

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Sep Retirement Port

Currency in USD · Last updated May 9, 2025

Asset Allocation

Position	Category/Sector	Target Weight
AGG iShares Core U.S. Aggregate Bond ETF	Total Bond Market	5%
DGRO iShares Core Dividend Growth ETF	Large Cap Growth Equities, Dividend	10%
IAGG iShares Core International Aggregate Bond ETF	Total Bond Market	5%
IEFA iShares Core MSCI EAFE ETF	Foreign Large Cap Equities	6%
IEMG iShares Core MSCI Emerging Markets ETF	Asia Pacific Equities	2%
IJH iShares Core S&P Mid-Cap ETF	Small Cap Growth Equities	5%
IJR iShares Core S&P Small-Cap ETF	Small Cap Growth Equities	2%
ISTB iShares Core 1-5 Year USD Bond ETF	Total Bond Market	10%
IVV iShares Core S&P 500 ETF	Large Cap Growth Equities	25%
SPYG SPDR Portfolio S&P 500 Growth ETF	Large Cap Growth Equities	10%
USHY iShares Broad USD High Yield Corporate Bond ETF	High Yield Bonds	10%
USRT iShares Core U.S. REIT ETF	REIT	10%

Benchmark

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Sep Retirement Port , 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.

Sep Retirement Port

Benchmark (^GSPC)

Portfolio components

The earliest data available for this chart is Oct 26, 2017, corresponding to the inception date of USHY

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	-3.70%	13.67%	-5.18%	9.18%	14.14%	10.43%
Sep Retirement Port	-0.40%	9.94%	-2.10%	9.52%	10.64%	N/A
Portfolio components:
IVV iShares Core S&P 500 ETF	-3.33%	13.74%	-4.58%	10.62%	15.86%	12.38%
DGRO iShares Core Dividend Growth ETF	-0.61%	9.85%	-3.82%	8.54%	13.53%	11.22%
SPYG SPDR Portfolio S&P 500 Growth ETF	-4.07%	17.22%	-3.28%	15.85%	16.22%	14.29%
IEFA iShares Core MSCI EAFE ETF	13.09%	17.18%	7.89%	11.05%	11.58%	5.69%
IEMG iShares Core MSCI Emerging Markets ETF	5.65%	15.56%	-1.49%	7.17%	7.56%	3.47%
IJH iShares Core S&P Mid-Cap ETF	-5.10%	15.27%	-9.51%	0.82%	13.67%	8.54%
IJR iShares Core S&P Small-Cap ETF	-9.77%	14.45%	-15.05%	-2.29%	12.11%	7.53%
USRT iShares Core U.S. REIT ETF	-1.29%	11.83%	-5.33%	13.25%	9.43%	5.70%
USHY iShares Broad USD High Yield Corporate Bond ETF	1.51%	4.00%	1.24%	7.89%	6.14%	N/A
IAGG iShares Core International Aggregate Bond ETF	1.38%	0.84%	2.17%	5.87%	0.63%	N/A
AGG iShares Core U.S. Aggregate Bond ETF	2.10%	0.29%	1.25%	5.38%	-0.81%	1.51%
ISTB iShares Core 1-5 Year USD Bond ETF	2.16%	0.46%	2.44%	6.34%	1.50%	2.03%

*Annualized

Monthly Returns

The table below presents the monthly returns of Sep Retirement Port , 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	2.17%	0.03%	-3.31%	-0.31%	1.09%								-0.40%
2024	0.15%	3.02%	2.54%	-3.44%	3.71%	1.92%	2.58%	2.31%	1.86%	-1.53%	3.99%	-2.69%	15.03%
2023	5.61%	-2.53%	1.93%	0.99%	-0.98%	4.44%	2.55%	-1.60%	-3.81%	-2.33%	7.19%	4.98%	16.89%
2022	-4.51%	-2.16%	1.68%	-6.27%	-0.12%	-6.57%	7.24%	-4.02%	-7.76%	5.34%	5.46%	-4.04%	-15.89%
2021	-0.33%	1.87%	3.09%	3.78%	0.71%	1.49%	1.81%	1.91%	-3.46%	4.47%	-0.86%	3.78%	19.53%
2020	-0.03%	-5.62%	-11.40%	8.85%	3.62%	1.85%	4.32%	3.93%	-2.55%	-1.36%	8.57%	3.29%	12.22%
2019	6.50%	2.33%	1.56%	2.40%	-3.68%	4.64%	0.79%	-0.37%	1.55%	1.45%	1.71%	2.05%	22.66%
2018	2.80%	-3.17%	-0.74%	0.17%	1.91%	0.57%	2.36%	2.11%	-0.08%	-4.91%	1.77%	-5.75%	-3.36%
2017										0.49%	1.97%	0.71%	3.19%

Expense Ratio

Sep Retirement Port has an expense ratio of 0.07%, 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.

USHY

iShares Broad USD High Yield Corporate Bond ETF

IEMG

iShares Core MSCI Emerging Markets ETF

IAGG

iShares Core International Aggregate Bond ETF

DGRO

iShares Core Dividend Growth ETF

USRT

iShares Core U.S. REIT ETF

IEFA

iShares Core MSCI EAFE ETF

IJR

iShares Core S&P Small-Cap ETF

IJH

iShares Core S&P Mid-Cap ETF

ISTB

iShares Core 1-5 Year USD Bond ETF

AGG

iShares Core U.S. Aggregate Bond ETF

SPYG

SPDR Portfolio S&P 500 Growth ETF

IVV

iShares Core S&P 500 ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of Sep Retirement Port is 64, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
IVV iShares Core S&P 500 ETF	0.55	0.90	1.13	0.57	2.23
DGRO iShares Core Dividend Growth ETF	0.58	0.96	1.14	0.66	2.64
SPYG SPDR Portfolio S&P 500 Growth ETF	0.65	1.03	1.15	0.71	2.40
IEFA iShares Core MSCI EAFE ETF	0.63	1.02	1.14	0.81	2.38
IEMG iShares Core MSCI Emerging Markets ETF	0.39	0.63	1.08	0.28	1.10
IJH iShares Core S&P Mid-Cap ETF	0.04	0.21	1.03	0.03	0.10
IJR iShares Core S&P Small-Cap ETF	-0.10	0.03	1.00	-0.08	-0.24
USRT iShares Core U.S. REIT ETF	0.73	1.08	1.14	0.68	2.33
USHY iShares Broad USD High Yield Corporate Bond ETF	1.43	2.05	1.30	1.67	8.58
IAGG iShares Core International Aggregate Bond ETF	1.80	2.80	1.34	1.05	10.34
AGG iShares Core U.S. Aggregate Bond ETF	1.01	1.46	1.17	0.44	2.56
ISTB iShares Core 1-5 Year USD Bond ETF	2.77	4.33	1.55	3.43	12.16

The current Sep Retirement Port Sharpe ratio is 0.75. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Compared to the broad market, where average Sharpe ratios range from 0.44 to 0.96, this portfolio's current Sharpe ratio lies between the 25th and 75th percentiles. This indicates that the its risk-adjusted performance is in line with the majority of portfolios. This suggests a balanced approach to risk and return, which might be suitable for a broad range of investors.

Use the chart below to compare the Sharpe ratio of Sep Retirement Port with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.

Sep Retirement Port

Benchmark (^GSPC)

Portfolio components

Dividends

Dividend yield

Sep Retirement Port provided a 2.76% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	2.76%	2.75%	2.68%	2.47%	1.95%	2.22%	2.70%	3.08%	1.89%	2.00%	1.94%	1.59%
Portfolio components:
IVV iShares Core S&P 500 ETF	1.37%	1.30%	1.44%	1.66%	1.20%	1.57%	1.99%	2.21%	1.75%	2.01%	2.27%	1.83%
DGRO iShares Core Dividend Growth ETF	2.28%	2.26%	2.45%	2.34%	1.93%	2.30%	2.21%	2.44%	2.03%	2.27%	2.52%	0.97%
SPYG SPDR Portfolio S&P 500 Growth ETF	0.64%	0.60%	1.15%	1.03%	0.62%	0.90%	1.36%	1.51%	1.41%	1.55%	1.57%	1.37%
IEFA iShares Core MSCI EAFE ETF	3.07%	3.47%	3.20%	2.70%	3.32%	1.90%	3.18%	3.46%	2.57%	2.96%	2.63%	3.10%
IEMG iShares Core MSCI Emerging Markets ETF	3.03%	3.20%	2.89%	2.70%	3.06%	1.87%	3.15%	2.76%	2.34%	2.28%	2.52%	2.30%
IJH iShares Core S&P Mid-Cap ETF	1.41%	1.33%	1.46%	1.68%	1.18%	1.28%	1.63%	1.72%	1.19%	1.60%	1.56%	1.34%
IJR iShares Core S&P Small-Cap ETF	2.28%	2.05%	1.31%	1.41%	1.53%	1.11%	1.44%	1.58%	1.20%	1.21%	1.48%	1.23%
USRT iShares Core U.S. REIT ETF	2.85%	2.85%	3.18%	3.47%	2.27%	3.12%	3.34%	5.66%	3.43%	3.98%	3.59%	3.46%
USHY iShares Broad USD High Yield Corporate Bond ETF	6.84%	6.89%	6.63%	6.08%	5.07%	5.30%	5.92%	6.30%	0.73%	0.00%	0.00%	0.00%
IAGG iShares Core International Aggregate Bond ETF	4.22%	4.28%	3.55%	2.28%	1.16%	1.95%	2.82%	3.02%	1.74%	1.56%	0.13%	0.00%
AGG iShares Core U.S. Aggregate Bond ETF	3.83%	3.74%	3.13%	2.39%	1.77%	2.14%	2.70%	2.96%	2.32%	2.39%	2.45%	2.40%
ISTB iShares Core 1-5 Year USD Bond ETF	3.96%	3.83%	2.97%	2.01%	1.63%	2.20%	2.75%	2.57%	2.06%	1.90%	1.58%	1.07%

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.

Sep Retirement Port

Benchmark (^GSPC)

Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the Sep Retirement Port . 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 Sep Retirement Port was 27.95%, occurring on Mar 23, 2020. Recovery took 108 trading sessions.

The current Sep Retirement Port drawdown is 3.80%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-27.95%	Feb 18, 2020	25	Mar 23, 2020	108	Aug 25, 2020	133
-21.67%	Jan 5, 2022	196	Oct 14, 2022	331	Feb 9, 2024	527
-12.88%	Sep 21, 2018	65	Dec 24, 2018	56	Mar 18, 2019	121
-12.5%	Feb 20, 2025	34	Apr 8, 2025	—	—	—
-7.22%	Jan 29, 2018	9	Feb 8, 2018	115	Jul 25, 2018	124

Volatility

Volatility Chart

The current Sep Retirement Port volatility is 7.32%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.

Sep Retirement Port

Benchmark (^GSPC)

Portfolio components

Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 12 assets, with an effective number of assets of 8.04, 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.

	^GSPC	IAGG	AGG	ISTB	IEMG	USRT	USHY	IJR	IEFA	SPYG	DGRO	IJH	IVV	Portfolio
^GSPC	1.00	0.05	0.07	0.09	0.69	0.61	0.70	0.79	0.79	0.95	0.90	0.86	1.00	0.97
IAGG	0.05	1.00	0.74	0.60	0.02	0.19	0.25	0.02	0.06	0.07	0.03	0.03	0.05	0.12
AGG	0.07	0.74	1.00	0.80	0.06	0.23	0.34	0.03	0.10	0.09	0.05	0.04	0.07	0.16
ISTB	0.09	0.60	0.80	1.00	0.10	0.22	0.35	0.07	0.15	0.10	0.08	0.08	0.09	0.18
IEMG	0.69	0.02	0.06	0.10	1.00	0.40	0.57	0.59	0.79	0.65	0.61	0.64	0.69	0.71
USRT	0.61	0.19	0.23	0.22	0.40	1.00	0.54	0.64	0.54	0.51	0.66	0.67	0.61	0.73
USHY	0.70	0.25	0.34	0.35	0.57	0.54	1.00	0.63	0.66	0.66	0.66	0.66	0.70	0.76
IJR	0.79	0.02	0.03	0.07	0.59	0.64	0.63	1.00	0.72	0.67	0.82	0.96	0.79	0.84
IEFA	0.79	0.06	0.10	0.15	0.79	0.54	0.66	0.72	1.00	0.72	0.77	0.77	0.79	0.83
SPYG	0.95	0.07	0.09	0.10	0.65	0.51	0.66	0.67	0.72	1.00	0.77	0.74	0.95	0.90
DGRO	0.90	0.03	0.05	0.08	0.61	0.66	0.66	0.82	0.77	0.77	1.00	0.87	0.90	0.92
IJH	0.86	0.03	0.04	0.08	0.64	0.67	0.66	0.96	0.77	0.74	0.87	1.00	0.86	0.90
IVV	1.00	0.05	0.07	0.09	0.69	0.61	0.70	0.79	0.79	0.95	0.90	0.86	1.00	0.97
Portfolio	0.97	0.12	0.16	0.18	0.71	0.73	0.76	0.84	0.83	0.90	0.92	0.90	0.97	1.00

The correlation results are calculated based on daily price changes starting from Oct 27, 2017

Performance Analysis

Risk Analysis

Optimization

Factor Model

Sep Retirement Port

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

Portfolios

Screeners

Community