Ultimate Buy and Hold Portfolio
An elaborate strategy involving 11 different funds to capture various equity asset classes, offering detailed structure but potentially challenging to maintain.
VFIAX VVIAX VSIAX VGSLX VTIAX VTRIX VFSAX *Need a 6% position for International Small Cap Value Fund. FISMX *Need a 6% position for Ultra Small Market Fund. FCPVX VEMAX VBIRX
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Ultimate Buy and Hold Portfolio, 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 Feb 7, 2019, corresponding to the inception date of VFSAX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -5.91% | -9.57% | 5.19% | 12.98% | 9.68% |
| Ultimate Buy and Hold Portfolio | -1.90% | -3.63% | -4.87% | 5.31% | 6.88% | N/A |
| Portfolio components: | ||||||
VFIAX Vanguard 500 Index Fund Admiral Shares | -9.84% | -5.82% | -8.98% | 6.58% | 14.68% | 11.62% |
VVIAX Vanguard Value Index Fund Admiral Shares | -3.88% | -5.78% | -7.85% | 7.09% | 13.31% | 9.43% |
VSIAX Vanguard Small-Cap Value Index Fund Admiral Shares | -12.04% | -7.63% | -14.43% | -0.36% | 15.22% | 6.86% |
VGSLX Vanguard Real Estate Index Fund Admiral Shares | -1.57% | -3.82% | -8.52% | 15.05% | 6.65% | 4.70% |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 4.15% | -4.33% | -1.39% | 9.27% | 9.91% | 4.66% |
VTRIX Vanguard International Value Fund | 0.88% | -7.94% | -10.36% | -3.10% | 8.13% | 2.77% |
VFSAX Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares | 1.70% | -2.85% | -3.44% | 6.42% | 9.46% | N/A |
VEMAX Vanguard Emerging Markets Stock Index Fund Admiral Shares | -1.85% | -6.60% | -5.81% | 8.82% | 7.11% | 2.95% |
VBIRX Vanguard Short-Term Bond Index Fund Admiral Shares | 2.02% | 0.39% | 2.04% | 6.61% | 1.02% | 1.65% |
FCPVX Fidelity Small Cap Value Fund | -12.77% | -8.31% | -16.47% | -7.77% | 11.12% | 1.15% |
FISMX Fidelity International Small Cap Fund | 5.66% | -1.79% | 0.03% | 6.62% | 10.64% | 5.25% |
Monthly Returns
The table below presents the monthly returns of Ultimate Buy and Hold Portfolio, 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 | 2.05% | 0.21% | -1.36% | -2.75% | -1.90% | ||||||||
| 2024 | -1.01% | 1.98% | 2.56% | -2.85% | 2.89% | 0.06% | 3.61% | 1.62% | 1.59% | -2.48% | 2.45% | -3.38% | 6.92% |
| 2023 | 5.56% | -2.57% | 0.59% | 0.57% | -1.98% | 3.52% | 2.92% | -2.24% | -3.21% | -2.42% | 6.13% | 4.83% | 11.59% |
| 2022 | -2.69% | -1.46% | 0.04% | -4.47% | 0.80% | -5.98% | 4.17% | -2.88% | -7.42% | 3.84% | 6.05% | -2.27% | -12.44% |
| 2021 | 0.21% | 2.89% | 2.16% | 2.84% | 1.60% | -0.34% | 0.00% | 1.40% | -2.63% | 2.48% | -2.40% | 2.75% | 11.29% |
| 2020 | -1.33% | -4.37% | -10.71% | 5.92% | 2.41% | 1.86% | 2.69% | 2.52% | -1.52% | -0.56% | 8.01% | 3.58% | 7.39% |
| 2019 | 1.53% | 0.73% | 1.80% | -3.04% | 3.54% | -0.08% | -1.20% | 1.55% | 1.65% | 0.96% | 2.25% | 9.94% |
Expense Ratio
Ultimate Buy and Hold Portfolio has an expense ratio of 0.21%, 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 Ultimate Buy and Hold Portfolio is 66, 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 | |
|---|---|---|---|---|---|
VFIAX Vanguard 500 Index Fund Admiral Shares | 0.31 | 0.57 | 1.08 | 0.32 | 1.42 |
VVIAX Vanguard Value Index Fund Admiral Shares | 0.46 | 0.73 | 1.10 | 0.48 | 2.02 |
VSIAX Vanguard Small-Cap Value Index Fund Admiral Shares | -0.05 | 0.08 | 1.01 | -0.04 | -0.14 |
VGSLX Vanguard Real Estate Index Fund Admiral Shares | 0.79 | 1.16 | 1.15 | 0.55 | 2.79 |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 0.59 | 0.91 | 1.12 | 0.70 | 2.19 |
VTRIX Vanguard International Value Fund | -0.18 | -0.13 | 0.98 | -0.16 | -0.43 |
VFSAX Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares | 0.45 | 0.70 | 1.10 | 0.38 | 1.45 |
VEMAX Vanguard Emerging Markets Stock Index Fund Admiral Shares | 0.57 | 0.89 | 1.11 | 0.46 | 1.75 |
VBIRX Vanguard Short-Term Bond Index Fund Admiral Shares | 2.62 | 4.41 | 1.57 | 2.02 | 10.34 |
FCPVX Fidelity Small Cap Value Fund | -0.38 | -0.40 | 0.95 | -0.35 | -1.16 |
FISMX Fidelity International Small Cap Fund | 0.49 | 0.75 | 1.10 | 0.54 | 1.35 |
Dividends
Dividend yield
Ultimate Buy and Hold Portfolio provided a 2.96% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.96% | 2.86% | 2.46% | 1.95% | 1.86% | 1.81% | 2.38% | 2.24% | 1.76% | 1.85% | 2.72% | 3.44% |
| Portfolio components: | ||||||||||||
VFIAX Vanguard 500 Index Fund Admiral Shares | 1.43% | 1.24% | 1.45% | 1.68% | 1.24% | 1.53% | 1.87% | 2.05% | 1.78% | 2.02% | 2.10% | 1.85% |
VVIAX Vanguard Value Index Fund Admiral Shares | 2.41% | 2.30% | 2.45% | 2.51% | 2.14% | 2.54% | 2.49% | 2.72% | 2.29% | 2.45% | 2.60% | 2.22% |
VSIAX Vanguard Small-Cap Value Index Fund Admiral Shares | 2.44% | 1.98% | 2.12% | 2.03% | 1.75% | 1.68% | 2.06% | 2.35% | 1.79% | 1.77% | 1.99% | 1.77% |
VGSLX Vanguard Real Estate Index Fund Admiral Shares | 4.18% | 3.85% | 3.96% | 3.91% | 2.56% | 3.92% | 3.39% | 4.73% | 4.23% | 4.82% | 3.92% | 3.60% |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 3.15% | 3.33% | 3.21% | 3.05% | 3.05% | 2.10% | 3.04% | 3.17% | 2.74% | 2.93% | 2.84% | 3.40% |
VTRIX Vanguard International Value Fund | 2.83% | 2.86% | 2.78% | 2.75% | 2.61% | 1.58% | 2.96% | 2.94% | 1.86% | 2.29% | 2.13% | 2.79% |
VFSAX Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares | 3.30% | 3.36% | 3.05% | 2.22% | 2.67% | 1.85% | 3.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VEMAX Vanguard Emerging Markets Stock Index Fund Admiral Shares | 3.20% | 3.12% | 3.46% | 4.05% | 2.57% | 1.87% | 3.19% | 2.85% | 2.30% | 2.51% | 3.25% | 2.86% |
VBIRX Vanguard Short-Term Bond Index Fund Admiral Shares | 3.49% | 3.36% | 2.41% | 1.44% | 1.17% | 1.78% | 2.23% | 2.04% | 1.53% | 1.48% | 1.32% | 1.20% |
FCPVX Fidelity Small Cap Value Fund | 0.69% | 0.60% | 0.64% | 0.00% | 2.04% | 0.46% | 0.81% | 1.10% | 1.09% | 0.77% | 12.28% | 12.65% |
FISMX Fidelity International Small Cap Fund | 2.50% | 2.64% | 1.87% | 0.70% | 2.57% | 0.83% | 1.83% | 1.91% | 0.98% | 1.46% | 5.45% | 18.12% |
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 Ultimate Buy and Hold Portfolio. 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 Ultimate Buy and Hold Portfolio was 23.13%, occurring on Mar 23, 2020. Recovery took 161 trading sessions.
The current Ultimate Buy and Hold Portfolio drawdown is 4.45%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -23.13% | Jan 21, 2020 | 44 | Mar 23, 2020 | 161 | Nov 9, 2020 | 205 |
| -19.8% | Nov 9, 2021 | 235 | Oct 14, 2022 | 396 | May 14, 2024 | 631 |
| -9.77% | Oct 1, 2024 | 130 | Apr 8, 2025 | — | — | — |
| -3.98% | Jul 17, 2024 | 14 | Aug 5, 2024 | 10 | Aug 19, 2024 | 24 |
| -3.82% | Jul 5, 2019 | 29 | Aug 14, 2019 | 45 | Oct 17, 2019 | 74 |
Volatility
Volatility Chart
The current Ultimate Buy and Hold Portfolio volatility is 6.72%, 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
Asset Correlations Table
| VBIRX | VGSLX | VEMAX | FCPVX | VFIAX | VVIAX | VSIAX | FISMX | VTRIX | VFSAX | VTIAX | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| VBIRX | 1.00 | 0.17 | -0.01 | -0.02 | -0.00 | -0.02 | -0.02 | 0.08 | 0.01 | 0.09 | 0.04 |
| VGSLX | 0.17 | 1.00 | 0.41 | 0.66 | 0.65 | 0.70 | 0.70 | 0.54 | 0.57 | 0.58 | 0.57 |
| VEMAX | -0.01 | 0.41 | 1.00 | 0.57 | 0.65 | 0.56 | 0.57 | 0.75 | 0.82 | 0.82 | 0.86 |
| FCPVX | -0.02 | 0.66 | 0.57 | 1.00 | 0.78 | 0.87 | 0.97 | 0.70 | 0.76 | 0.73 | 0.73 |
| VFIAX | -0.00 | 0.65 | 0.65 | 0.78 | 1.00 | 0.84 | 0.80 | 0.71 | 0.77 | 0.78 | 0.80 |
| VVIAX | -0.02 | 0.70 | 0.56 | 0.87 | 0.84 | 1.00 | 0.90 | 0.69 | 0.76 | 0.73 | 0.74 |
| VSIAX | -0.02 | 0.70 | 0.57 | 0.97 | 0.80 | 0.90 | 1.00 | 0.70 | 0.77 | 0.74 | 0.74 |
| FISMX | 0.08 | 0.54 | 0.75 | 0.70 | 0.71 | 0.69 | 0.70 | 1.00 | 0.91 | 0.94 | 0.92 |
| VTRIX | 0.01 | 0.57 | 0.82 | 0.76 | 0.77 | 0.76 | 0.77 | 0.91 | 1.00 | 0.92 | 0.97 |
| VFSAX | 0.09 | 0.58 | 0.82 | 0.73 | 0.78 | 0.73 | 0.74 | 0.94 | 0.92 | 1.00 | 0.96 |
| VTIAX | 0.04 | 0.57 | 0.86 | 0.73 | 0.80 | 0.74 | 0.74 | 0.92 | 0.97 | 0.96 | 1.00 |