Dave Ramsey inspired
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
VEVE.L Vanguard FTSE Developed World UCITS ETF Distributing | Global Equities | 25% |
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF - (USD) Distributing | Global Equities, Dividend | 25% |
WOSC.L SPDR MSCI World Small Cap UCITS ETF | Global Equities | 25% |
XXTW.L Xtrackers MSCI World Information Technology UCITS ETF | Technology Equities | 25% |
Performance
Performance Chart
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The earliest data available for this chart is Sep 30, 2014, corresponding to the inception date of VEVE.L
Returns By Period
As of May 30, 2025, the Dave Ramsey inspired returned 4.37% Year-To-Date and 62.08% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.52% | 6.32% | -1.44% | 12.25% | 14.20% | 10.84% |
| Dave Ramsey inspired | 4.37% | 7.25% | 14.58% | 93.84% | 91.13% | 62.08% |
| Portfolio components: | ||||||
XXTW.L Xtrackers MSCI World Information Technology UCITS ETF | -1.11% | 12.34% | 1.41% | 12.64% | 14.91% | 14.11% |
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF - (USD) Distributing | 10.49% | 3.77% | 5.68% | 14.34% | 13.00% | 6.65% |
VEVE.L Vanguard FTSE Developed World UCITS ETF Distributing | 4.77% | 6.64% | 53.90% | 515.39% | 526.49% | 295.03% |
WOSC.L SPDR MSCI World Small Cap UCITS ETF | 2.34% | 6.16% | -3.90% | 8.80% | 10.43% | 6.71% |
Monthly Returns
The table below presents the monthly returns of Dave Ramsey inspired , 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 | 2.76% | -2.50% | -3.89% | 0.67% | 7.67% | 4.37% | |||||||
| 2024 | 0.78% | 3.19% | 15.92% | -3.73% | 3.88% | 41.47% | 2.08% | 1.03% | 13.71% | -1.30% | 4.38% | 9.21% | 125.03% |
| 2023 | 7.69% | -2.32% | 22.88% | 1.65% | -0.17% | 6.23% | 3.87% | -7.95% | 10.07% | -3.86% | 9.51% | 21.83% | 88.10% |
| 2022 | -5.95% | -1.43% | 13.69% | -8.35% | -0.78% | -10.04% | 7.70% | -4.85% | 5.52% | 7.25% | 7.92% | 11.07% | 19.84% |
| 2021 | 0.51% | 3.32% | 15.65% | 4.02% | 1.88% | 27.12% | 1.36% | 2.07% | 8.25% | 5.17% | -2.32% | 20.27% | 123.89% |
| 2020 | -1.12% | -9.63% | -14.23% | 10.71% | 4.27% | 24.59% | 5.90% | 7.40% | 15.40% | -2.98% | 14.39% | 18.58% | 90.37% |
| 2019 | 9.54% | 3.79% | 25.68% | 3.66% | -6.94% | 6.49% | 0.17% | -3.00% | 21.52% | 3.99% | 3.61% | 17.55% | 119.51% |
| 2018 | 6.35% | -3.54% | 7.75% | 0.06% | 5.46% | -0.97% | 1.44% | 1.05% | 19.48% | -7.02% | -0.27% | 11.92% | 46.83% |
| 2017 | 2.47% | 2.92% | 1.85% | 2.74% | 1.44% | 0.77% | 2.78% | -0.23% | 28.75% | 1.84% | 2.55% | 12.56% | 75.07% |
| 2016 | -6.92% | -0.53% | 7.96% | 0.09% | 1.70% | -3.66% | 4.96% | 0.97% | 0.66% | -2.94% | 2.17% | 1.73% | 5.51% |
| 2015 | -3.02% | 6.46% | -2.46% | 3.25% | 0.42% | -1.92% | 0.55% | -5.94% | -4.28% | 8.29% | -0.31% | -2.79% | -2.70% |
| 2014 | 0.28% | 1.60% | -1.44% | 0.42% |
Expense Ratio
Dave Ramsey inspired has an expense ratio of 0.28%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 98, Dave Ramsey inspired is among the top 2% of portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
XXTW.L Xtrackers MSCI World Information Technology UCITS ETF | 0.47 | 0.93 | 1.12 | 0.56 | 1.88 |
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF - (USD) Distributing | 0.93 | 1.24 | 1.19 | 0.97 | 4.65 |
VEVE.L Vanguard FTSE Developed World UCITS ETF Distributing | 3.10 | 22.30 | 4.26 | 29.40 | 131.98 |
WOSC.L SPDR MSCI World Small Cap UCITS ETF | 0.47 | 0.72 | 1.10 | 0.40 | 1.45 |
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Dividends
Dividend yield
Dave Ramsey inspired provided a 1.04% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.04% | 1.07% | 1.22% | 1.39% | 1.01% | 1.08% | 1.21% | 1.35% | 1.17% | 1.15% | 1.24% | 0.65% |
| Portfolio components: | ||||||||||||
XXTW.L Xtrackers MSCI World Information Technology UCITS ETF | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VHYL.AS Vanguard FTSE All-World High Dividend Yield UCITS ETF - (USD) Distributing | 2.93% | 2.82% | 3.15% | 3.60% | 2.59% | 2.68% | 2.89% | 3.14% | 2.76% | 2.73% | 2.92% | 2.61% |
VEVE.L Vanguard FTSE Developed World UCITS ETF Distributing | 1.22% | 1.48% | 1.71% | 1.98% | 1.46% | 1.62% | 1.95% | 2.24% | 1.93% | 1.88% | 2.03% | 0.00% |
WOSC.L SPDR MSCI World Small Cap UCITS ETF | 0.00% | 0.00% | 0.00% | 0.00% | 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 Dave Ramsey inspired . 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 Dave Ramsey inspired was 35.96%, occurring on Mar 20, 2020. Recovery took 57 trading sessions.
The current Dave Ramsey inspired drawdown is 0.35%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -35.96% | Feb 17, 2020 | 25 | Mar 20, 2020 | 57 | Jun 11, 2020 | 82 |
| -20.74% | Mar 30, 2022 | 75 | Jul 14, 2022 | 88 | Nov 15, 2022 | 163 |
| -20.66% | May 22, 2015 | 188 | Feb 11, 2016 | 257 | Feb 9, 2017 | 445 |
| -18.1% | Feb 18, 2025 | 35 | Apr 7, 2025 | 29 | May 20, 2025 | 64 |
| -17.88% | Sep 28, 2018 | 62 | Dec 24, 2018 | 1 | Dec 27, 2018 | 63 |
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 4.00, 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
| ^GSPC | VHYL.AS | XXTW.L | VEVE.L | WOSC.L | Portfolio | |
|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.50 | 0.77 | 0.54 | 0.55 | 0.71 |
| VHYL.AS | 0.50 | 1.00 | 0.40 | 0.57 | 0.68 | 0.74 |
| XXTW.L | 0.77 | 0.40 | 1.00 | 0.63 | 0.56 | 0.78 |
| VEVE.L | 0.54 | 0.57 | 0.63 | 1.00 | 0.76 | 0.88 |
| WOSC.L | 0.55 | 0.68 | 0.56 | 0.76 | 1.00 | 0.85 |
| Portfolio | 0.71 | 0.74 | 0.78 | 0.88 | 0.85 | 1.00 |