Total Economy Core-4 (70/30)
VT, VBR, VNQ (70) / BND (30)
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 30% |
VBR Vanguard Small-Cap Value ETF | Small Cap Blend Equities | 14% |
VNQ Vanguard Real Estate ETF | REIT | 7% |
VT Vanguard Total World Stock ETF | Large Cap Growth Equities | 49% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Total Economy Core-4 (70/30), 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.
The earliest data available for this chart is Jun 26, 2008, corresponding to the inception date of VT
Returns By Period
As of Apr 22, 2025, the Total Economy Core-4 (70/30) returned -5.01% Year-To-Date and 5.84% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -12.30% | -8.99% | -11.89% | 3.84% | 13.06% | 9.34% |
| Total Economy Core-4 (70/30) | -6.69% | -6.33% | -8.20% | 4.55% | 9.62% | 5.90% |
| Portfolio components: | ||||||
VT Vanguard Total World Stock ETF | -6.52% | -6.92% | -7.76% | 6.35% | 12.77% | 7.87% |
VBR Vanguard Small-Cap Value ETF | -13.76% | -9.20% | -14.88% | -3.16% | 15.77% | 6.63% |
VNQ Vanguard Real Estate ETF | -3.57% | -4.84% | -9.27% | 12.09% | 7.12% | 4.42% |
BND Vanguard Total Bond Market ETF | 1.43% | -1.14% | 0.39% | 5.92% | -1.07% | 1.26% |
Monthly Returns
The table below presents the monthly returns of Total Economy Core-4 (70/30), 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 | 2.70% | -0.47% | -3.26% | -5.63% | -6.69% | ||||||||
| 2024 | -0.96% | 3.20% | 3.25% | -4.25% | 4.02% | 0.62% | 3.89% | 1.89% | 2.01% | -2.05% | 4.70% | -4.28% | 12.11% |
| 2023 | 7.36% | -3.09% | 0.47% | 0.67% | -1.88% | 5.44% | 3.28% | -2.63% | -4.28% | -3.14% | 8.33% | 6.20% | 16.77% |
| 2022 | -4.43% | -1.61% | 1.32% | -6.62% | 0.38% | -7.34% | 6.81% | -3.70% | -8.87% | 5.84% | 6.61% | -4.10% | -16.05% |
| 2021 | 0.08% | 3.00% | 2.67% | 3.74% | 1.38% | 0.78% | 0.56% | 1.74% | -3.33% | 4.20% | -2.13% | 3.71% | 17.33% |
| 2020 | -0.88% | -5.71% | -13.72% | 8.51% | 3.63% | 2.22% | 3.83% | 3.57% | -2.35% | -0.88% | 10.26% | 3.98% | 10.59% |
| 2019 | 7.19% | 2.18% | 0.91% | 2.42% | -4.11% | 4.79% | 0.33% | -1.12% | 1.87% | 1.84% | 1.59% | 2.27% | 21.65% |
| 2018 | 2.40% | -3.98% | -0.02% | 0.15% | 1.64% | 0.10% | 1.95% | 1.29% | -0.66% | -6.15% | 1.84% | -6.05% | -7.73% |
| 2017 | 1.50% | 2.09% | 0.29% | 1.04% | 0.51% | 0.98% | 1.64% | 0.09% | 1.85% | 1.08% | 1.74% | 0.98% | 14.68% |
| 2016 | -3.79% | 0.00% | 6.29% | 0.74% | 0.76% | 1.13% | 3.27% | -0.16% | 0.26% | -2.22% | 1.66% | 1.90% | 9.91% |
| 2015 | -0.13% | 3.00% | -0.01% | 0.30% | 0.26% | -1.99% | 0.74% | -4.55% | -1.87% | 4.95% | 0.05% | -1.82% | -1.40% |
| 2014 | -1.87% | 3.80% | 0.46% | 0.59% | 1.72% | 1.94% | -1.79% | 2.73% | -3.23% | 2.30% | 1.18% | -0.39% | 7.44% |
Expense Ratio
Total Economy Core-4 (70/30) has an expense ratio of 0.06%, 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 Total Economy Core-4 (70/30) is 50, 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 | |
|---|---|---|---|---|---|
VT Vanguard Total World Stock ETF | 0.33 | 0.58 | 1.08 | 0.34 | 1.62 |
VBR Vanguard Small-Cap Value ETF | -0.11 | -0.01 | 1.00 | -0.09 | -0.33 |
VNQ Vanguard Real Estate ETF | 0.70 | 1.05 | 1.14 | 0.49 | 2.45 |
BND Vanguard Total Bond Market ETF | 1.09 | 1.59 | 1.19 | 0.43 | 2.82 |
Dividends
Dividend yield
Total Economy Core-4 (70/30) provided a 2.78% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.78% | 2.60% | 2.52% | 2.42% | 1.91% | 1.99% | 2.48% | 2.75% | 2.34% | 2.51% | 2.53% | 2.53% |
| Portfolio components: | ||||||||||||
VT Vanguard Total World Stock ETF | 2.06% | 1.95% | 2.08% | 2.20% | 1.82% | 1.66% | 2.32% | 2.53% | 2.11% | 2.39% | 2.45% | 2.44% |
VBR Vanguard Small-Cap Value ETF | 2.49% | 1.98% | 2.12% | 2.03% | 1.75% | 1.68% | 2.06% | 2.35% | 1.79% | 1.77% | 1.99% | 1.77% |
VNQ Vanguard Real Estate ETF | 4.27% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% | 3.60% |
BND Vanguard Total Bond Market ETF | 3.74% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the Total Economy Core-4 (70/30). 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 Total Economy Core-4 (70/30) was 35.53%, occurring on Mar 9, 2009. Recovery took 269 trading sessions.
The current Total Economy Core-4 (70/30) drawdown is 8.65%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -35.53% | Aug 12, 2008 | 144 | Mar 9, 2009 | 269 | Apr 1, 2010 | 413 |
| -29.5% | Feb 18, 2020 | 25 | Mar 23, 2020 | 161 | Nov 9, 2020 | 186 |
| -23.12% | Nov 9, 2021 | 235 | Oct 14, 2022 | 345 | Mar 1, 2024 | 580 |
| -15.2% | May 2, 2011 | 108 | Oct 3, 2011 | 115 | Mar 19, 2012 | 223 |
| -14.72% | Dec 5, 2024 | 84 | Apr 8, 2025 | — | — | — |
Volatility
Volatility Chart
The current Total Economy Core-4 (70/30) volatility is 10.30%, 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.
Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 4 assets, with an effective number of assets of 2.82, 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
| BND | VNQ | VT | VBR | |
|---|---|---|---|---|
| BND | 1.00 | 0.06 | -0.11 | -0.16 |
| VNQ | 0.06 | 1.00 | 0.65 | 0.71 |
| VT | -0.11 | 0.65 | 1.00 | 0.85 |
| VBR | -0.16 | 0.71 | 0.85 | 1.00 |