Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | Dividend | 50% |
VIG Vanguard Dividend Appreciation ETF | 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.
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The earliest data available for this chart is Aug 25, 2015, corresponding to the inception date of VTEB
Returns By Period
As of Apr 2, 2026, the SCHD/VIG/VXUS/VTEB/VNQ returned 6.60% Year-To-Date and 10.39% of annualized return in the last 10 years.
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.11% | -3.43% | -3.84% | -1.98% | 16.08% | 16.86% | 10.37% | 12.29% |
Portfolio SCHD/VIG/VXUS/VTEB/VNQ | 0.20% | -2.66% | 6.60% | 8.03% | 13.27% | 11.33% | 7.47% | 10.39% |
| Portfolio components: | ||||||||
SCHD Schwab U.S. Dividend Equity ETF | 0.16% | -2.44% | 12.35% | 13.88% | 13.89% | 11.70% | 8.35% | 12.30% |
VIG Vanguard Dividend Appreciation ETF | 0.16% | -3.69% | -1.33% | 0.36% | 12.71% | 13.72% | 9.86% | 12.36% |
VXUS Vanguard Total International Stock ETF | -0.68% | -2.51% | 2.81% | 6.58% | 28.04% | 15.41% | 7.43% | 9.01% |
VTEB Vanguard Tax-Exempt Bond ETF | 0.18% | -0.90% | 0.27% | 1.73% | 4.40% | 2.82% | 0.92% | 2.11% |
VNQ Vanguard Real Estate ETF | 1.36% | -4.43% | 3.06% | 1.04% | 2.95% | 7.33% | 3.14% | 4.85% |
Monthly Returns
Based on dividend-adjusted daily data since Aug 26, 2015, SCHD/VIG/VXUS/VTEB/VNQ's average daily return is +0.05%, while the average monthly return is +0.94%. At this rate, your investment would double in approximately 6.2 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +11.0%, while the worst month was Mar 2020 at -11.7%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, SCHD/VIG/VXUS/VTEB/VNQ closed higher 55% of trading days. The best single day was Mar 13, 2020 with a return of +7.8%, while the worst single day was Mar 16, 2020 at -10.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.61% | 4.86% | -3.91% | 0.17% | 6.60% | ||||||||
| 2025 | 2.09% | 2.05% | -1.77% | -4.17% | 1.97% | 2.46% | 0.01% | 4.02% | 0.47% | -0.86% | 2.39% | 0.08% | 8.79% |
| 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% | 8.62% |
| 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% | 3.77% | 6.50% | 3.06% | 2.38% | -0.24% | 1.34% | 1.70% | -3.84% | 4.58% | -1.87% | 6.31% | 24.55% |
Benchmark Metrics
SCHD/VIG/VXUS/VTEB/VNQ has an annualized alpha of 1.63%, beta of 0.74, and R² of 0.85 versus S&P 500 Index. Calculated based on daily prices since August 26, 2015.
- This portfolio participated in 79.40% of S&P 500 Index downside but only 78.31% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- 1.63%
- Beta
- 0.74
- R²
- 0.85
- Upside Capture
- 78.31%
- Downside Capture
- 79.40%
Expense Ratio
SCHD/VIG/VXUS/VTEB/VNQ 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.
Return for Risk
Risk / Return Rank
SCHD/VIG/VXUS/VTEB/VNQ ranks 26 for risk / return — below 26% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.01 | 0.88 | +0.12 |
Sortino ratioReturn per unit of downside risk | 1.48 | 1.37 | +0.11 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.21 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.21 | 1.39 | -0.18 |
Martin ratioReturn relative to average drawdown | 5.43 | 6.43 | -1.00 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | 40 | 0.89 | 1.34 | 1.19 | 1.09 | 3.69 |
VIG Vanguard Dividend Appreciation ETF | 43 | 0.84 | 1.28 | 1.19 | 1.24 | 5.41 |
VXUS Vanguard Total International Stock ETF | 80 | 1.63 | 2.25 | 1.33 | 2.52 | 9.49 |
VTEB Vanguard Tax-Exempt Bond ETF | 48 | 1.11 | 1.40 | 1.26 | 1.19 | 3.48 |
VNQ Vanguard Real Estate ETF | 16 | 0.18 | 0.36 | 1.05 | 0.29 | 1.11 |
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Dividends
Dividend yield
SCHD/VIG/VXUS/VTEB/VNQ provided a 3.06% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.06% | 3.27% | 3.20% | 3.12% | 3.00% | 2.43% | 2.71% | 2.71% | 2.96% | 2.58% | 2.81% | 2.69% |
| Portfolio components: | ||||||||||||
SCHD Schwab U.S. Dividend Equity ETF | 3.45% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
VIG Vanguard Dividend Appreciation ETF | 1.60% | 1.62% | 1.73% | 1.88% | 1.96% | 1.55% | 1.63% | 1.71% | 2.08% | 1.88% | 2.14% | 2.34% |
VXUS Vanguard Total International Stock ETF | 2.95% | 3.18% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% |
VTEB Vanguard Tax-Exempt Bond ETF | 3.36% | 3.29% | 3.14% | 2.79% | 2.09% | 1.64% | 1.99% | 2.30% | 2.25% | 1.96% | 1.66% | 0.58% |
VNQ Vanguard Real Estate ETF | 3.86% | 3.92% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% |
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 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 3.93%.
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 | 94 | Aug 22, 2025 | 181 |
| -9.92% | Jan 29, 2018 | 39 | Mar 23, 2018 | 123 | Sep 18, 2018 | 162 |
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 5 assets, with an effective number of assets of 3.12, 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
| Benchmark | VTEB | VNQ | VXUS | SCHD | VIG | Portfolio | |
|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.01 | 0.59 | 0.80 | 0.79 | 0.91 | 0.86 |
| VTEB | 0.01 | 1.00 | 0.20 | 0.05 | -0.01 | 0.04 | 0.06 |
| VNQ | 0.59 | 0.20 | 1.00 | 0.53 | 0.63 | 0.65 | 0.74 |
| VXUS | 0.80 | 0.05 | 0.53 | 1.00 | 0.70 | 0.74 | 0.78 |
| SCHD | 0.79 | -0.01 | 0.63 | 0.70 | 1.00 | 0.87 | 0.97 |
| VIG | 0.91 | 0.04 | 0.65 | 0.74 | 0.87 | 1.00 | 0.93 |
| Portfolio | 0.86 | 0.06 | 0.74 | 0.78 | 0.97 | 0.93 | 1.00 |