Comfortable old age
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Comfortable old age, 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 Jan 28, 2011, corresponding to the inception date of VXUS
Returns By Period
As of Apr 11, 2025, the Comfortable old age returned -3.86% Year-To-Date and 9.07% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.43% | -5.46% | -8.86% | 2.08% | 13.59% | 9.69% |
| Comfortable old age | -3.86% | -3.92% | -4.41% | 6.67% | 12.80% | 9.07% |
| Portfolio components: | ||||||
IAU iShares Gold Trust | 20.80% | 8.61% | 20.46% | 35.81% | 13.23% | 9.94% |
VXUS Vanguard Total International Stock ETF | -0.55% | -6.05% | -6.48% | 1.21% | 9.19% | 4.22% |
VTI Vanguard Total Stock Market ETF | -10.86% | -5.61% | -8.72% | 2.32% | 14.80% | 10.91% |
XLU Utilities Select Sector SPDR Fund | 0.32% | -1.91% | -2.54% | 19.88% | 7.73% | 9.00% |
XLP Consumer Staples Select Sector SPDR Fund | 1.48% | -2.09% | -1.00% | 9.56% | 9.29% | 7.69% |
Monthly Returns
The table below presents the monthly returns of Comfortable old age, 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 | 3.37% | 0.04% | -1.97% | -5.16% | -3.86% | ||||||||
| 2024 | -0.10% | 3.81% | 3.93% | -2.59% | 4.32% | 1.07% | 2.67% | 2.53% | 2.70% | -1.40% | 3.59% | -3.17% | 18.38% |
| 2023 | 6.44% | -3.37% | 3.43% | 1.45% | -1.46% | 4.82% | 3.45% | -2.84% | -4.46% | -1.58% | 7.87% | 4.53% | 18.79% |
| 2022 | -4.38% | -1.61% | 2.35% | -6.89% | -0.07% | -6.99% | 6.11% | -3.55% | -8.86% | 5.58% | 7.71% | -3.56% | -14.75% |
| 2021 | -0.73% | 1.31% | 3.30% | 4.09% | 1.79% | 0.34% | 1.20% | 2.15% | -4.14% | 4.87% | -2.14% | 4.31% | 17.19% |
| 2020 | -0.14% | -6.98% | -12.28% | 10.23% | 4.79% | 2.42% | 6.00% | 5.00% | -2.85% | -1.60% | 9.51% | 4.86% | 17.78% |
| 2019 | 7.32% | 2.59% | 1.14% | 2.95% | -4.96% | 6.52% | 0.34% | -0.56% | 1.63% | 2.24% | 1.93% | 3.32% | 26.71% |
| 2018 | 4.57% | -4.19% | -0.96% | 0.17% | 0.75% | -0.15% | 2.49% | 1.07% | 0.13% | -5.81% | 1.84% | -6.24% | -6.72% |
| 2017 | 2.77% | 3.13% | 0.79% | 1.38% | 1.67% | 0.21% | 2.30% | 0.74% | 1.28% | 1.73% | 2.22% | 1.19% | 21.16% |
| 2016 | -3.69% | 0.70% | 6.35% | 1.24% | 0.12% | 1.41% | 3.45% | -0.38% | 0.57% | -1.96% | 0.53% | 1.83% | 10.30% |
| 2015 | -0.45% | 3.80% | -1.38% | 1.55% | 0.56% | -2.17% | 0.67% | -5.39% | -2.55% | 6.45% | -0.81% | -1.53% | -1.74% |
| 2014 | -2.91% | 5.11% | 0.34% | 0.77% | 1.38% | 2.70% | -2.39% | 3.02% | -3.11% | 1.72% | 1.49% | -0.75% | 7.23% |
Expense Ratio
Comfortable old age 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 Comfortable old age is 58, 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 | |
|---|---|---|---|---|---|
IAU iShares Gold Trust | 2.14 | 2.83 | 1.37 | 4.24 | 11.41 |
VXUS Vanguard Total International Stock ETF | -0.01 | 0.10 | 1.01 | -0.02 | -0.05 |
VTI Vanguard Total Stock Market ETF | 0.06 | 0.22 | 1.03 | 0.06 | 0.29 |
XLU Utilities Select Sector SPDR Fund | 1.04 | 1.47 | 1.19 | 1.19 | 4.49 |
XLP Consumer Staples Select Sector SPDR Fund | 0.72 | 1.07 | 1.14 | 1.10 | 2.98 |
Dividends
Dividend yield
Comfortable old age provided a 1.95% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.95% | 1.87% | 1.94% | 1.99% | 1.73% | 1.61% | 2.04% | 2.26% | 1.94% | 2.11% | 2.12% | 2.13% |
| Portfolio components: | ||||||||||||
IAU iShares Gold Trust | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VXUS Vanguard Total International Stock ETF | 3.34% | 3.37% | 3.25% | 3.09% | 3.10% | 2.14% | 3.06% | 3.17% | 2.73% | 2.93% | 2.83% | 3.40% |
VTI Vanguard Total Stock Market ETF | 1.46% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
XLU Utilities Select Sector SPDR Fund | 3.02% | 2.96% | 3.39% | 2.92% | 2.79% | 3.14% | 2.95% | 3.33% | 3.33% | 3.42% | 3.67% | 3.19% |
XLP Consumer Staples Select Sector SPDR Fund | 2.57% | 2.77% | 2.63% | 2.47% | 2.28% | 2.50% | 2.57% | 3.04% | 2.62% | 2.53% | 2.53% | 2.40% |
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 Comfortable old age. 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 Comfortable old age was 30.85%, occurring on Mar 23, 2020. Recovery took 94 trading sessions.
The current Comfortable old age drawdown is 9.26%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.85% | Feb 20, 2020 | 23 | Mar 23, 2020 | 94 | Aug 5, 2020 | 117 |
| -22.91% | Jan 5, 2022 | 196 | Oct 14, 2022 | 296 | Dec 19, 2023 | 492 |
| -18% | May 2, 2011 | 108 | Oct 3, 2011 | 99 | Feb 24, 2012 | 207 |
| -16.08% | Jan 29, 2018 | 229 | Dec 24, 2018 | 75 | Apr 12, 2019 | 304 |
| -14.36% | May 19, 2015 | 170 | Jan 20, 2016 | 119 | Jul 11, 2016 | 289 |
Volatility
Volatility Chart
The current Comfortable old age volatility is 11.16%, 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
| IAU | XLU | XLP | VXUS | VTI | |
|---|---|---|---|---|---|
| IAU | 1.00 | 0.13 | 0.05 | 0.18 | 0.05 |
| XLU | 0.13 | 1.00 | 0.61 | 0.37 | 0.42 |
| XLP | 0.05 | 0.61 | 1.00 | 0.54 | 0.62 |
| VXUS | 0.18 | 0.37 | 0.54 | 1.00 | 0.82 |
| VTI | 0.05 | 0.42 | 0.62 | 0.82 | 1.00 |