L & H Holdings

Asset Allocation

Position	Category/Sector	Target Weight
AGTHX American Funds The Growth Fund of America Class A	Large Cap Growth Equities	0.91%
DFFVX DFA U.S. Targeted Value Portfolio	Small Cap Value Equities	0.07%
FFFGX Fidelity Freedom 2045 Fund	Target Retirement Date	20.89%
FFFHX Fidelity Freedom 2050 Fund	Target Retirement Date	37.41%
FSMDX Fidelity Mid Cap Index Fund	Mid Cap Blend Equities	0.14%
FSPSX Fidelity International Index Fund	Foreign Large Cap Equities	0.19%
FSSNX Fidelity Small Cap Index Fund	Small Cap Blend Equities	0.05%
FTKFX Fidelity Total Bond K6 Fund	Total Bond Market	0.05%
FXAIX Fidelity 500 Index Fund	S&P 500	0.45%
FXNAX Fidelity U.S. Bond Index Fund	Total Bond Market	0.09%
GFFFX American Funds The Growth Fund of America	Large Cap Growth Equities	1.79%
GME GameStop Corp.	Consumer Cyclical	0.24%
MDIJX MFS International Diversification Fund	Foreign Large Cap Equities	0.21%
RNWGX American Funds New World Fund® Class R-6	Emerging Markets Diversified	0.35%
SSDDX State Street Target Retirement 2045 Fund	Target Retirement Date	29.62%
VTRIX Vanguard International Value Fund	Foreign Large Cap Equities	0.09%
WDAY Workday, Inc.	Technology	7.45%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in L & H Holdings, 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 Jun 5, 2017, corresponding to the inception date of FTKFX

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 L & H Holdings	0.19%	-3.25%	-3.05%	-1.21%	15.28%	13.78%	6.74%	—
Portfolio components:
FFFHX Fidelity Freedom 2050 Fund	1.12%	-2.57%	0.62%	3.80%	23.23%	16.92%	8.75%	11.34%
FFFGX Fidelity Freedom 2045 Fund	1.13%	-2.55%	0.69%	3.88%	23.25%	16.94%	8.76%	11.35%
RNWGX American Funds New World Fund® Class R-6	1.66%	-3.66%	0.16%	3.32%	25.73%	14.50%	5.13%	9.94%
FXAIX Fidelity 500 Index Fund	0.72%	-3.44%	-3.65%	-1.50%	17.37%	18.58%	11.95%	14.16%
FSPSX Fidelity International Index Fund	1.61%	-1.87%	2.58%	6.46%	24.69%	15.22%	8.71%	9.14%
FSMDX Fidelity Mid Cap Index Fund	0.67%	-3.51%	1.98%	1.71%	14.87%	13.64%	7.13%	10.88%
FXNAX Fidelity U.S. Bond Index Fund	0.00%	-1.19%	0.05%	0.69%	4.12%	3.63%	0.16%	1.57%
FTKFX Fidelity Total Bond K6 Fund	0.11%	-1.56%	-0.21%	0.45%	4.20%	4.27%	0.79%	—
FSSNX Fidelity Small Cap Index Fund	0.64%	-3.53%	1.55%	2.87%	24.60%	13.43%	3.70%	9.97%
DFFVX DFA U.S. Targeted Value Portfolio	0.36%	-2.58%	5.82%	8.50%	22.57%	14.43%	8.38%	10.50%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jun 6, 2017, L & H Holdings's average daily return is +0.04%, while the average monthly return is +0.89%. At this rate, your investment would double in approximately 6.5 years.

Historically, 65% of months were positive and 35% were negative. The best month was Nov 2020 with a return of +11.6%, while the worst month was Mar 2020 at -14.1%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 3 months.

On a daily basis, L & H Holdings closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +7.5%, while the worst single day was Mar 16, 2020 at -9.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.81%	0.59%	-6.13%	0.84%									-3.05%
2025	3.20%	-0.17%	-3.83%	1.13%	5.01%	3.95%	0.46%	2.36%	3.48%	1.63%	-0.63%	1.19%	18.95%
2024	0.40%	3.92%	2.41%	-4.20%	3.20%	1.58%	1.99%	3.11%	1.28%	-2.61%	3.85%	-2.67%	12.52%
2023	7.95%	-2.78%	3.16%	0.29%	0.03%	5.18%	3.34%	-2.44%	-4.82%	-3.10%	10.21%	5.33%	23.31%
2022	-4.77%	-3.20%	1.08%	-8.21%	-1.30%	-8.40%	6.78%	-2.85%	-9.08%	5.09%	8.23%	-3.88%	-20.26%
2021	3.39%	0.32%	3.04%	3.51%	1.17%	1.26%	-0.08%	3.07%	-3.91%	5.35%	-2.95%	2.68%	17.73%

Benchmark Metrics

L & H Holdings has an annualized alpha of 0.30%, beta of 0.82, and R² of 0.91 versus S&P 500 Index. Calculated based on daily prices since June 06, 2017.

This portfolio participated in 89.62% of S&P 500 Index downside but only 83.75% of its upside — more exposed to losses than it benefited from rallies.

Alpha: 0.30%

Beta: 0.82

R²: 0.91

Upside Capture: 83.75%

Downside Capture: 89.62%

Expense Ratio

L & H Holdings has an expense ratio of 0.51%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

Top 10 holdings

MDIJX

MFS International Diversification Fund

FFFHX

Fidelity Freedom 2050 Fund

FFFGX

Fidelity Freedom 2045 Fund

AGTHX

American Funds The Growth Fund of America Class A

RNWGX

American Funds New World Fund® Class R-6

GFFFX

American Funds The Growth Fund of America

VTRIX

Vanguard International Value Fund

FTKFX

Fidelity Total Bond K6 Fund

DFFVX

DFA U.S. Targeted Value Portfolio

SSDDX

State Street Target Retirement 2045 Fund

Return for Risk

Risk / Return Rank

L & H Holdings ranks 27 for risk / return — below 27% 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.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	0.99	0.88	+0.10
Sortino ratio Return per unit of downside risk	1.48	1.37	+0.12
Omega ratio Gain probability vs. loss probability	1.21	1.21	0.00
Calmar ratio Return relative to maximum drawdown	1.47	1.39	+0.08
Martin ratio Return relative to average drawdown	6.31	6.43	-0.12
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
FFFHX Fidelity Freedom 2050 Fund	77	1.48	2.10	1.31	2.20	9.60
FFFGX Fidelity Freedom 2045 Fund	78	1.48	2.11	1.32	2.19	9.66
RNWGX American Funds New World Fund® Class R-6	78	1.67	2.30	1.33	2.06	8.40
FXAIX Fidelity 500 Index Fund	50	1.00	1.52	1.23	1.53	7.30
FSPSX Fidelity International Index Fund	74	1.47	2.01	1.29	2.23	8.47
FSMDX Fidelity Mid Cap Index Fund	36	0.86	1.32	1.19	1.25	5.78
FXNAX Fidelity U.S. Bond Index Fund	37	0.93	1.34	1.16	1.59	4.47
FTKFX Fidelity Total Bond K6 Fund	42	0.97	1.38	1.17	1.81	5.41
FSSNX Fidelity Small Cap Index Fund	57	1.15	1.70	1.22	1.92	7.14
DFFVX DFA U.S. Targeted Value Portfolio	51	1.08	1.63	1.23	1.68	6.19

Sharpe Ratio

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

L & H Holdings Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 0.99
5-Year: 0.45
All Time: 0.63

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 1.01 to 1.70, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of L & H Holdings compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Dividends

Dividend yield

L & H Holdings provided a 4.84% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	4.84%	4.81%	2.86%	2.35%	8.68%	8.63%	4.23%	5.88%	6.40%	2.71%	3.15%	3.26%
Portfolio components:
FFFHX Fidelity Freedom 2050 Fund	4.12%	4.14%	1.86%	1.78%	11.83%	11.76%	4.93%	6.48%	7.69%	3.98%	4.12%	4.16%
FFFGX Fidelity Freedom 2045 Fund	4.37%	4.40%	1.97%	1.84%	12.04%	12.00%	4.99%	6.51%	7.82%	4.01%	4.15%	4.07%
RNWGX American Funds New World Fund® Class R-6	6.08%	6.09%	4.11%	2.88%	1.33%	7.32%	0.44%	4.05%	2.71%	2.26%	1.37%	1.04%
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%
FSPSX Fidelity International Index Fund	3.07%	3.15%	3.27%	2.79%	2.66%	3.07%	1.84%	3.18%	2.79%	2.50%	3.08%	2.79%
FSMDX Fidelity Mid Cap Index Fund	1.08%	1.10%	2.46%	1.39%	2.07%	3.35%	2.34%	2.86%	2.21%	2.17%	2.23%	2.84%
FXNAX Fidelity U.S. Bond Index Fund	3.66%	3.58%	3.40%	3.15%	1.81%	1.74%	2.92%	2.68%	2.74%	2.57%	2.76%	2.52%
FTKFX Fidelity Total Bond K6 Fund	4.24%	4.61%	4.76%	3.86%	2.53%	2.24%	5.51%	3.26%	2.94%	1.63%	0.00%	0.00%
FSSNX Fidelity Small Cap Index Fund	1.07%	1.08%	1.04%	1.43%	1.26%	3.92%	0.94%	2.96%	4.94%	3.37%	2.27%	2.66%
DFFVX DFA U.S. Targeted Value Portfolio	1.62%	1.69%	1.40%	2.26%	5.17%	2.74%	1.52%	3.82%	5.95%	5.16%	3.95%	5.84%

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 L & H Holdings. 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 L & H Holdings was 30.72%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.

The current L & H Holdings drawdown is 6.83%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-30.72%	Feb 20, 2020	23	Mar 23, 2020	99	Aug 12, 2020	122
-29.42%	Nov 9, 2021	235	Oct 14, 2022	339	Feb 22, 2024	574
-16.06%	Aug 30, 2018	80	Dec 24, 2018	59	Mar 21, 2019	139
-15.41%	Feb 19, 2025	35	Apr 8, 2025	26	May 15, 2025	61
-9.14%	Jan 28, 2026	43	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 17 assets, with an effective number of assets of 3.61, 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

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	Benchmark	FXNAX	FTKFX	GME	WDAY	DFFVX	FSPSX	MDIJX	FSSNX	VTRIX	RNWGX	GFFFX	AGTHX	FSMDX	FXAIX	SSDDX	FFFGX	FFFHX	Portfolio
Benchmark	1.00	-0.01	0.06	0.36	0.55	0.75	0.75	0.75	0.81	0.77	0.81	0.94	0.94	0.90	1.00	0.93	0.93	0.93	0.93
FXNAX	-0.01	1.00	0.95	-0.02	0.05	-0.08	0.05	0.07	-0.02	0.01	0.02	0.01	0.01	0.01	-0.01	0.10	0.04	0.04	0.06
FTKFX	0.06	0.95	1.00	0.02	0.08	-0.02	0.12	0.13	0.04	0.08	0.09	0.07	0.07	0.08	0.06	0.17	0.11	0.11	0.13
GME	0.36	-0.02	0.02	1.00	0.21	0.40	0.30	0.29	0.44	0.32	0.32	0.37	0.37	0.40	0.36	0.37	0.37	0.37	0.39
WDAY	0.55	0.05	0.08	0.21	1.00	0.35	0.39	0.42	0.48	0.39	0.48	0.60	0.60	0.53	0.55	0.53	0.51	0.51	0.65
DFFVX	0.75	-0.08	-0.02	0.40	0.35	1.00	0.67	0.64	0.92	0.73	0.65	0.68	0.68	0.88	0.75	0.77	0.79	0.80	0.76
FSPSX	0.75	0.05	0.12	0.30	0.39	0.67	1.00	0.95	0.69	0.95	0.84	0.73	0.73	0.75	0.75	0.87	0.89	0.89	0.85
MDIJX	0.75	0.07	0.13	0.29	0.42	0.64	0.95	1.00	0.68	0.93	0.90	0.75	0.75	0.74	0.75	0.88	0.89	0.89	0.86
FSSNX	0.81	-0.02	0.04	0.44	0.48	0.92	0.69	0.68	1.00	0.73	0.72	0.80	0.80	0.93	0.81	0.84	0.85	0.85	0.85
VTRIX	0.77	0.01	0.08	0.32	0.39	0.73	0.95	0.93	0.73	1.00	0.88	0.75	0.75	0.78	0.77	0.87	0.91	0.91	0.86
RNWGX	0.81	0.02	0.09	0.32	0.48	0.65	0.84	0.90	0.72	0.88	1.00	0.84	0.84	0.77	0.81	0.89	0.91	0.91	0.89
GFFFX	0.94	0.01	0.07	0.37	0.60	0.68	0.73	0.75	0.80	0.75	0.84	1.00	1.00	0.86	0.94	0.91	0.91	0.91	0.93
AGTHX	0.94	0.01	0.07	0.37	0.60	0.68	0.73	0.75	0.80	0.75	0.84	1.00	1.00	0.86	0.94	0.91	0.91	0.91	0.93
FSMDX	0.90	0.01	0.08	0.40	0.53	0.88	0.75	0.74	0.93	0.78	0.77	0.86	0.86	1.00	0.90	0.91	0.91	0.91	0.90
FXAIX	1.00	-0.01	0.06	0.36	0.55	0.75	0.75	0.75	0.81	0.77	0.81	0.94	0.94	0.90	1.00	0.93	0.93	0.93	0.93
SSDDX	0.93	0.10	0.17	0.37	0.53	0.77	0.87	0.88	0.84	0.87	0.89	0.91	0.91	0.91	0.93	1.00	0.97	0.97	0.97
FFFGX	0.93	0.04	0.11	0.37	0.51	0.79	0.89	0.89	0.85	0.91	0.91	0.91	0.91	0.91	0.93	0.97	1.00	1.00	0.97
FFFHX	0.93	0.04	0.11	0.37	0.51	0.80	0.89	0.89	0.85	0.91	0.91	0.91	0.91	0.91	0.93	0.97	1.00	1.00	0.97
Portfolio	0.93	0.06	0.13	0.39	0.65	0.76	0.85	0.86	0.85	0.86	0.89	0.93	0.93	0.90	0.93	0.97	0.97	0.97	1.00

The correlation results are calculated based on daily price changes starting from Jun 6, 2017

L & H Holdings

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table