SCHD/VIG/VXUS/VTEB/VNQ
Balanced Dividend Portfolio
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 50% |
VIG Vanguard Dividend Appreciation ETF | Large Cap Growth Equities, Dividend | 20% |
VNQ Vanguard Real Estate ETF | REIT | 10% |
VTEB Vanguard Tax-Exempt Bond ETF | Municipal Bonds | 10% |
VXUS Vanguard Total International Stock ETF | Foreign Large Cap Equities | 10% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in SCHD/VIG/VXUS/VTEB/VNQ, 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 Aug 25, 2015, corresponding to the inception date of VTEB
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.77% | 3.72% | -5.60% | 8.55% | 14.11% | 10.45% |
| SCHD/VIG/VXUS/VTEB/VNQ | -1.73% | 1.93% | -5.87% | 4.67% | 11.03% | N/A |
| Portfolio components: | ||||||
SCHD Schwab US Dividend Equity ETF | -4.97% | -0.54% | -9.89% | 1.26% | 12.61% | 10.39% |
VIG Vanguard Dividend Appreciation ETF | -1.37% | 3.05% | -4.46% | 8.49% | 13.19% | 11.20% |
VXUS Vanguard Total International Stock ETF | 10.58% | 9.19% | 6.81% | 10.06% | 10.79% | 5.19% |
VTEB Vanguard Tax-Exempt Bond ETF | -1.35% | 1.11% | -1.63% | 0.48% | 0.91% | N/A |
VNQ Vanguard Real Estate ETF | 1.12% | 5.45% | -5.15% | 11.71% | 7.57% | 5.32% |
Monthly Returns
The table below presents the monthly returns of SCHD/VIG/VXUS/VTEB/VNQ, 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 | 2.09% | 2.05% | -1.77% | -4.17% | 0.21% | -1.73% | |||||||
| 2024 | -0.38% | 2.08% | 3.43% | -4.24% | 2.54% | 0.51% | 5.08% | 2.66% | 1.44% | -1.20% | 3.97% | -5.38% | 10.40% |
| 2023 | 3.79% | -3.47% | 0.18% | 0.25% | -3.40% | 5.03% | 3.17% | -2.01% | -4.27% | -3.02% | 7.25% | 5.71% | 8.63% |
| 2022 | -3.81% | -2.19% | 2.36% | -4.41% | 1.79% | -6.92% | 4.79% | -3.37% | -7.91% | 8.16% | 7.18% | -3.22% | -8.75% |
| 2021 | -0.98% | 3.76% | 6.50% | 3.06% | 2.38% | -0.24% | 1.34% | 1.70% | -3.84% | 4.58% | -1.87% | 6.31% | 24.55% |
| 2020 | -0.81% | -7.58% | -11.71% | 9.81% | 3.58% | 0.42% | 4.58% | 4.24% | -1.92% | -0.84% | 11.00% | 2.99% | 12.06% |
| 2019 | 6.29% | 3.24% | 1.66% | 2.66% | -5.14% | 5.69% | 1.33% | -0.21% | 2.56% | 1.15% | 1.89% | 2.15% | 25.34% |
| 2018 | 3.31% | -4.97% | -1.12% | -0.66% | 1.57% | 0.64% | 3.55% | 1.75% | 0.66% | -5.42% | 3.24% | -6.94% | -5.00% |
| 2017 | 0.52% | 3.11% | 0.14% | 0.75% | 1.57% | 0.27% | 1.52% | 0.03% | 2.03% | 2.34% | 3.31% | 1.56% | 18.48% |
| 2016 | -2.43% | 0.35% | 6.33% | -0.09% | 1.03% | 2.71% | 2.77% | -0.49% | -0.18% | -2.00% | 1.50% | 2.17% | 11.96% |
| 2015 | 4.18% | -0.76% | 6.99% | 0.04% | -0.58% | 10.02% |
Expense Ratio
SCHD/VIG/VXUS/VTEB/VNQ 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of SCHD/VIG/VXUS/VTEB/VNQ is 23, meaning it’s performing worse than 77% 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 | |
|---|---|---|---|---|---|
SCHD Schwab US Dividend Equity ETF | 0.08 | 0.32 | 1.04 | 0.15 | 0.49 |
VIG Vanguard Dividend Appreciation ETF | 0.54 | 0.95 | 1.14 | 0.64 | 2.62 |
VXUS Vanguard Total International Stock ETF | 0.60 | 1.00 | 1.13 | 0.78 | 2.46 |
VTEB Vanguard Tax-Exempt Bond ETF | 0.10 | 0.16 | 1.02 | 0.10 | 0.32 |
VNQ Vanguard Real Estate ETF | 0.66 | 1.09 | 1.14 | 0.54 | 2.35 |
Dividends
Dividend yield
SCHD/VIG/VXUS/VTEB/VNQ provided a 3.42% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.42% | 3.20% | 3.12% | 3.00% | 2.43% | 2.71% | 2.71% | 2.96% | 2.58% | 2.81% | 2.69% | 2.40% |
| Portfolio components: | ||||||||||||
SCHD Schwab US Dividend Equity ETF | 4.04% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
VIG Vanguard Dividend Appreciation ETF | 1.85% | 1.73% | 1.88% | 1.96% | 1.55% | 1.63% | 1.71% | 2.08% | 1.88% | 2.14% | 2.34% | 1.95% |
VXUS Vanguard Total International Stock ETF | 3.00% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% | 3.40% |
VTEB Vanguard Tax-Exempt Bond ETF | 3.27% | 3.14% | 2.79% | 2.09% | 1.65% | 1.99% | 2.30% | 2.25% | 1.96% | 1.66% | 0.58% | 0.00% |
VNQ Vanguard Real Estate ETF | 4.07% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% | 3.60% |
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 SCHD/VIG/VXUS/VTEB/VNQ. 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 SCHD/VIG/VXUS/VTEB/VNQ was 31.43%, occurring on Mar 23, 2020. Recovery took 114 trading sessions.
The current SCHD/VIG/VXUS/VTEB/VNQ drawdown is 7.01%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -31.43% | Feb 13, 2020 | 27 | Mar 23, 2020 | 114 | Sep 2, 2020 | 141 |
| -19.18% | Jan 5, 2022 | 186 | Sep 30, 2022 | 349 | Feb 22, 2024 | 535 |
| -14.48% | Sep 24, 2018 | 64 | Dec 24, 2018 | 59 | Mar 21, 2019 | 123 |
| -13.92% | Dec 2, 2024 | 87 | Apr 8, 2025 | — | — | — |
| -9.92% | Jan 29, 2018 | 39 | Mar 23, 2018 | 123 | Sep 18, 2018 | 162 |
Volatility
Volatility Chart
The current SCHD/VIG/VXUS/VTEB/VNQ volatility is 4.71%, 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 5 assets, with an effective number of assets of 3.13, 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 | VTEB | VNQ | VXUS | SCHD | VIG | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.00 | 0.61 | 0.80 | 0.82 | 0.92 | 0.88 |
| VTEB | 0.00 | 1.00 | 0.19 | 0.03 | -0.02 | 0.02 | 0.05 |
| VNQ | 0.61 | 0.19 | 1.00 | 0.53 | 0.63 | 0.66 | 0.74 |
| VXUS | 0.80 | 0.03 | 0.53 | 1.00 | 0.72 | 0.74 | 0.79 |
| SCHD | 0.82 | -0.02 | 0.63 | 0.72 | 1.00 | 0.89 | 0.97 |
| VIG | 0.92 | 0.02 | 0.66 | 0.74 | 0.89 | 1.00 | 0.94 |
| Portfolio | 0.88 | 0.05 | 0.74 | 0.79 | 0.97 | 0.94 | 1.00 |