Build 5
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
VFIFX Vanguard Target Retirement 2050 Fund | Target Retirement Date, Diversified Portfolio | 40% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 60% |
Performance
Performance Chart
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The earliest data available for this chart is Sep 9, 2010, corresponding to the inception date of VOO
Returns By Period
As of May 10, 2025, the Build 5 returned -1.32% Year-To-Date and 10.38% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.77% | 7.44% | -5.60% | 8.37% | 14.12% | 10.46% |
| Build 5 | -1.39% | 7.86% | -3.35% | 9.55% | 13.44% | 10.36% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | -3.41% | 7.59% | -5.06% | 9.79% | 15.86% | 12.42% |
VFIFX Vanguard Target Retirement 2050 Fund | 1.65% | 8.27% | -0.81% | 9.03% | 9.70% | 7.22% |
Monthly Returns
The table below presents the monthly returns of Build 5, 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 | 2.78% | -0.86% | -4.60% | -0.12% | 1.56% | -1.39% | |||||||
| 2024 | 0.95% | 4.69% | 3.13% | -3.76% | 4.65% | 2.73% | 1.58% | 2.31% | 2.18% | -1.49% | 5.00% | -2.49% | 20.76% |
| 2023 | 6.60% | -2.70% | 3.30% | 1.44% | -0.13% | 5.99% | 3.30% | -2.04% | -4.45% | -2.43% | 8.91% | 4.77% | 23.85% |
| 2022 | -4.93% | -2.80% | 2.80% | -8.26% | 0.31% | -8.01% | 8.15% | -3.99% | -9.10% | 7.07% | 6.46% | -5.17% | -17.96% |
| 2021 | -0.73% | 2.61% | 3.70% | 4.71% | 0.96% | 1.86% | 1.71% | 2.63% | -4.30% | 6.03% | -1.37% | 0.25% | 19.12% |
| 2020 | -0.43% | -7.53% | -12.77% | 11.77% | 4.71% | 2.23% | 5.39% | 6.32% | -3.31% | -2.32% | 11.07% | 3.98% | 17.46% |
| 2019 | 7.73% | 2.96% | 1.65% | 3.68% | -5.94% | 6.58% | 0.94% | -1.65% | 1.92% | 2.25% | 3.14% | 3.01% | 28.79% |
| 2018 | 5.26% | -3.80% | -1.98% | 0.39% | 1.79% | 0.32% | 3.23% | 2.37% | 0.41% | -6.93% | 1.78% | -7.98% | -5.88% |
| 2017 | 2.04% | 3.36% | 0.49% | 1.21% | 1.51% | 0.64% | 2.14% | 0.34% | 1.99% | 2.16% | 2.60% | 1.28% | 21.62% |
| 2016 | -4.91% | -0.44% | 6.85% | 0.68% | 1.30% | 0.19% | 3.73% | 0.23% | 0.24% | -1.83% | 2.80% | 1.91% | 10.79% |
| 2015 | -2.32% | 5.35% | -1.36% | 1.28% | 0.93% | -1.96% | 1.61% | -6.05% | -2.63% | 7.66% | 0.18% | -1.89% | 0.06% |
| 2014 | -3.35% | 4.53% | 0.70% | 0.63% | 2.17% | 2.08% | -1.49% | 3.59% | -1.93% | 2.15% | 2.27% | -0.57% | 10.98% |
Expense Ratio
Build 5 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 Build 5 is 47, 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 | 0.52 | 0.89 | 1.13 | 0.57 | 2.18 |
VFIFX Vanguard Target Retirement 2050 Fund | 0.61 | 0.98 | 1.14 | 0.66 | 2.93 |
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Dividends
Dividend yield
Build 5 provided a 1.67% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.67% | 1.62% | 1.76% | 1.87% | 1.62% | 1.58% | 2.01% | 2.21% | 1.82% | 1.98% | 2.08% | 1.92% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.34% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
VFIFX Vanguard Target Retirement 2050 Fund | 2.16% | 2.19% | 2.21% | 2.13% | 2.19% | 1.63% | 2.20% | 2.43% | 1.89% | 1.93% | 2.05% | 2.01% |
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 Build 5. 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 Build 5 was 32.95%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
The current Build 5 drawdown is 5.76%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -32.95% | Feb 20, 2020 | 23 | Mar 23, 2020 | 99 | Aug 12, 2020 | 122 |
| -27.43% | Dec 28, 2021 | 200 | Oct 12, 2022 | 328 | Feb 2, 2024 | 528 |
| -19.15% | May 2, 2011 | 108 | Oct 3, 2011 | 95 | Feb 17, 2012 | 203 |
| -18.16% | Sep 21, 2018 | 65 | Dec 24, 2018 | 75 | Apr 12, 2019 | 140 |
| -16.98% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
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 2 assets, with an effective number of assets of 1.92, 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 | VFIFX | VOO | Portfolio | |
|---|---|---|---|---|
| ^GSPC | 1.00 | 0.96 | 1.00 | 0.99 |
| VFIFX | 0.96 | 1.00 | 0.96 | 0.98 |
| VOO | 1.00 | 0.96 | 1.00 | 0.99 |
| Portfolio | 0.99 | 0.98 | 0.99 | 1.00 |