Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FDVV Fidelity High Dividend ETF | Large Cap Blend Equities, Dividend | 42% |
FXAIX Fidelity 500 Index Fund | S&P 500 | 36% |
IWF iShares Russell 1000 Growth ETF | Large Cap Growth Equities | 8% |
SPAXX Fidelity Government Money Market Fund | Money Market | 14% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Funds for Retirement, 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 May 25, 2021, corresponding to the inception date of SPAXX
Returns By Period
| 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 Funds for Retirement | 0.15% | -3.08% | -2.40% | -0.45% | 14.68% | 15.78% | — | — |
| Portfolio components: | ||||||||
FDVV Fidelity High Dividend ETF | 0.36% | -3.72% | -1.14% | 1.27% | 15.24% | 16.87% | 12.82% | — |
FXAIX Fidelity 500 Index Fund | 0.72% | -3.44% | -3.65% | -1.50% | 17.37% | 18.58% | 11.95% | 14.16% |
IWF iShares Russell 1000 Growth ETF | -0.02% | -4.07% | -9.06% | -8.66% | 17.67% | 21.30% | 12.41% | 16.66% |
SPAXX Fidelity Government Money Market Fund | 0.00% | 0.00% | 0.53% | 1.46% | 3.49% | 2.14% | — | — |
Monthly Returns
Based on dividend-adjusted daily data since May 26, 2021, Funds for Retirement's average daily return is +0.04%, while the average monthly return is +0.87%. At this rate, your investment would double in approximately 6.7 years.
Historically, 67% of months were positive and 33% were negative. The best month was Oct 2022 with a return of +7.7%, while the worst month was Sep 2022 at -8.6%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Funds for Retirement closed higher 54% of trading days. The best single day was Apr 9, 2025 with a return of +7.4%, while the worst single day was Apr 4, 2025 at -5.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.51% | 0.14% | -4.56% | 0.60% | -2.40% | ||||||||
| 2025 | 1.67% | 0.05% | -3.78% | -1.46% | 5.00% | 4.30% | 2.37% | 2.16% | 2.48% | 1.39% | 0.73% | 0.08% | 15.72% |
| 2024 | 1.31% | 3.42% | 3.16% | -2.87% | 4.81% | 2.09% | 2.04% | 2.26% | 1.75% | -0.60% | 4.58% | -2.49% | 20.88% |
| 2023 | 5.50% | -2.33% | 2.18% | 1.44% | -0.62% | 5.54% | 3.29% | -1.43% | -4.02% | -1.85% | 7.33% | 4.24% | 20.23% |
| 2022 | -2.40% | -1.98% | 3.87% | -6.80% | 1.27% | -7.65% | 7.24% | -3.16% | -8.56% | 7.65% | 5.69% | -4.59% | -10.72% |
| 2021 | 0.30% | 1.44% | 1.58% | 2.05% | -3.64% | 5.44% | -0.91% | 4.21% | 10.66% |
Benchmark Metrics
Funds for Retirement has an annualized alpha of 2.40%, beta of 0.79, and R² of 0.98 versus S&P 500 Index. Calculated based on daily prices since May 26, 2021.
- This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (84.92%) than losses (81.02%) — typical of diversified or defensive assets.
- This portfolio generated an annualized alpha of 2.40% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- Alpha
- 2.40%
- Beta
- 0.79
- R²
- 0.98
- Upside Capture
- 84.92%
- Downside Capture
- 81.02%
Expense Ratio
Funds for Retirement has an expense ratio of 0.14%, 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
Funds for Retirement ranks 31 for risk / return — below 31% 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 | 1.02 | 0.88 | +0.14 |
Sortino ratioReturn per unit of downside risk | 1.52 | 1.37 | +0.15 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.43 | 1.39 | +0.05 |
Martin ratioReturn relative to average drawdown | 6.65 | 6.43 | +0.22 |
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 | |
|---|---|---|---|---|---|---|
FDVV Fidelity High Dividend ETF | 50 | 1.00 | 1.45 | 1.23 | 1.26 | 5.44 |
FXAIX Fidelity 500 Index Fund | 50 | 1.00 | 1.52 | 1.23 | 1.53 | 7.30 |
IWF iShares Russell 1000 Growth ETF | 39 | 0.79 | 1.30 | 1.18 | 1.14 | 3.83 |
SPAXX Fidelity Government Money Market Fund | — | 3.48 | — | — | — | — |
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Dividends
Dividend yield
Funds for Retirement provided a 2.18% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.18% | 2.18% | 1.94% | 2.21% | 2.13% | 1.61% | 1.97% | 2.47% | 2.78% | 2.34% | 1.46% | 1.13% |
| Portfolio components: | ||||||||||||
FDVV Fidelity High Dividend ETF | 2.98% | 2.89% | 2.94% | 3.77% | 3.44% | 2.70% | 3.19% | 3.93% | 4.05% | 3.66% | 1.04% | 0.00% |
FXAIX Fidelity 500 Index Fund | 1.16% | 1.11% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 2.06% | 2.72% | 1.97% | 2.52% | 2.83% |
IWF iShares Russell 1000 Growth ETF | 0.39% | 0.36% | 0.46% | 0.67% | 0.91% | 0.49% | 0.66% | 0.99% | 1.27% | 1.10% | 1.43% | 1.37% |
SPAXX Fidelity Government Money Market Fund | 3.42% | 3.88% | 1.53% | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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 Funds for Retirement. 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 Funds for Retirement was 18.65%, occurring on Oct 12, 2022. Recovery took 187 trading sessions.
The current Funds for Retirement drawdown is 5.00%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -18.65% | Mar 30, 2022 | 136 | Oct 12, 2022 | 187 | Jul 13, 2023 | 323 |
| -15.22% | Feb 20, 2025 | 34 | Apr 8, 2025 | 52 | Jun 24, 2025 | 86 |
| -8.49% | Aug 1, 2023 | 63 | Oct 27, 2023 | 24 | Dec 1, 2023 | 87 |
| -7.99% | Jan 5, 2022 | 47 | Mar 14, 2022 | 11 | Mar 29, 2022 | 58 |
| -7.73% | Feb 10, 2026 | 34 | Mar 30, 2026 | — | — | — |
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 4 assets, with an effective number of assets of 3.01, 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 | SPAXX | FDVV | IWF | FXAIX | Portfolio | |
|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.00 | 0.89 | 0.95 | 1.00 | 0.98 |
| SPAXX | 0.00 | 1.00 | 0.00 | -0.01 | 0.00 | 0.01 |
| FDVV | 0.89 | 0.00 | 1.00 | 0.75 | 0.88 | 0.95 |
| IWF | 0.95 | -0.01 | 0.75 | 1.00 | 0.95 | 0.90 |
| FXAIX | 1.00 | 0.00 | 0.88 | 0.95 | 1.00 | 0.98 |
| Portfolio | 0.98 | 0.01 | 0.95 | 0.90 | 0.98 | 1.00 |