Gemini Growth Tilt 52-year-old Sept. 2-25

Asset Allocation

Position	Category/Sector	Target Weight
BIV Vanguard Intermediate-Term Bond Index ETF	Intermediate Core Bond	25%
SCHG Schwab U.S. Large-Cap Growth ETF	Large Cap Growth Equities	20%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	Inflation-Protected Bonds	10%
VIG Vanguard Dividend Appreciation ETF	Dividend	10%
VEA Vanguard FTSE Developed Markets ETF	Foreign Large Cap Equities	10%
VGT Vanguard Information Technology ETF	Technology Equities	10%
VHT Vanguard Health Care ETF	Health & Biotech Equities	7.50%
VWO Vanguard FTSE Emerging Markets ETF	Emerging Markets Equities	5%
XLF State Street Financial Select Sector SPDR ETF	Financials Equities	2.50%

Benchmark Against

Benchmark

S&P 500 Index

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Gemini Growth Tilt 52-year-old Sept. 2-25, 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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Returns By Period

As of Jun 13, 2026, the Gemini Growth Tilt 52-year-old Sept. 2-25 returned 6.28% Year-To-Date and 11.29% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.50%	0.31%	8.56%	8.85%	24.33%	19.37%	11.84%	13.61%
Portfolio Gemini Growth Tilt 52-year-old Sept. 2-25	0.21%	1.27%	6.28%	6.73%	18.90%	14.93%	8.63%	11.29%
Portfolio components:
BIV Vanguard Intermediate-Term Bond Index ETF	-0.13%	0.26%	-0.06%	0.31%	4.61%	4.62%	0.16%	1.89%
SCHG Schwab U.S. Large-Cap Growth ETF	0.12%	-3.66%	2.58%	2.96%	20.32%	22.68%	14.33%	18.50%
VEA Vanguard FTSE Developed Markets ETF	0.34%	1.40%	14.73%	16.65%	31.41%	19.03%	9.51%	10.72%
VGT Vanguard Information Technology ETF	0.58%	1.35%	24.03%	24.13%	50.48%	29.84%	20.35%	25.19%
VHT Vanguard Health Care ETF	-0.12%	4.51%	-0.11%	0.45%	16.49%	7.19%	4.78%	9.87%
VIG Vanguard Dividend Appreciation ETF	0.53%	2.11%	7.68%	6.99%	19.52%	15.98%	10.74%	13.24%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	-0.04%	-0.12%	1.85%	1.95%	4.51%	5.25%	3.37%	3.09%
VWO Vanguard FTSE Emerging Markets ETF	0.76%	-0.68%	10.77%	12.57%	26.52%	16.61%	5.03%	9.00%
XLF State Street Financial Select Sector SPDR ETF	1.37%	4.00%	-2.11%	-2.09%	8.41%	18.86%	9.15%	13.33%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 16, 2012, Gemini Growth Tilt 52-year-old Sept. 2-25's average daily return is +0.04%, while the average monthly return is +0.86%. At this rate, an investment would double in approximately 6.7 years.

Historically, 69% of months were positive and 31% were negative. The best month was Apr 2020 with a return of +8.4%, while the worst month was Mar 2020 at -7.7%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Gemini Growth Tilt 52-year-old Sept. 2-25 closed higher 56% of trading days. The best single day was Apr 9, 2025 with a return of +5.8%, while the worst single day was Mar 16, 2020 at -7.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	0.56%	0.53%	-4.27%	6.60%	4.39%	-1.32%							6.28%
2025	2.06%	-0.06%	-2.89%	0.69%	3.42%	3.96%	0.83%	2.14%	2.83%	2.25%	0.39%	0.06%	16.63%
2024	0.87%	2.61%	1.87%	-3.21%	3.73%	2.69%	1.57%	2.05%	1.67%	-2.03%	3.30%	-1.69%	13.99%
2023	5.60%	-2.32%	4.22%	1.23%	0.54%	3.63%	2.07%	-1.58%	-3.64%	-1.81%	7.50%	4.10%	20.60%
2022	-4.65%	-2.15%	0.78%	-6.97%	-0.09%	-5.14%	6.48%	-4.07%	-7.34%	3.96%	5.50%	-3.72%	-17.14%
2021	-0.43%	0.40%	1.19%	3.65%	0.53%	2.35%	1.84%	1.78%	-3.48%	4.13%	-0.71%	2.37%	14.25%

Benchmark Metrics

Gemini Growth Tilt 52-year-old Sept. 2-25 has an annualized alpha of 1.92%, beta of 0.64, and R2 of 0.95 versus S&P 500 Index. Calculated based on daily prices since October 16, 2012.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (68.14%) than losses (68.12%) - typical of diversified or defensive assets.
Beta of 0.64 indicates this portfolio moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 1.92%

Beta: 0.64

R²: 0.95

Upside Capture: 68.14%

Downside Capture: 68.12%

See how alpha, beta & R² have trended over time →

Expense Ratio

Gemini Growth Tilt 52-year-old Sept. 2-25 has an expense ratio of 0.05%, 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.

VGT

Vanguard Information Technology ETF

VHT

Vanguard Health Care ETF

VWO

Vanguard FTSE Emerging Markets ETF

XLF

State Street Financial Select Sector SPDR ETF

SCHG

Schwab U.S. Large-Cap Growth ETF

VIG

Vanguard Dividend Appreciation ETF

VEA

Vanguard FTSE Developed Markets ETF

BIV

Vanguard Intermediate-Term Bond Index ETF

VTIP

Vanguard Short-Term Inflation-Protected Securities ETF

Return for Risk

Risk / Return Rank

Gemini Growth Tilt 52-year-old Sept. 2-25 ranks 47 for risk / return — on par with similar Portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

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

The table below presents risk-adjusted performance metrics for Gemini Growth Tilt 52-year-old Sept. 2-25 and compares them with S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	1.92	1.86	+0.06
Sortino ratioReturn per unit of downside risk	2.71	2.53	+0.18
Omega ratioGain probability vs. loss probability	1.35	1.34	+0.01
Calmar ratioReturn relative to maximum drawdown	2.65	2.53	+0.12
Martin ratioReturn relative to average drawdown	11.67	11.37	+0.30

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
BIV Vanguard Intermediate-Term Bond Index ETF	31	1.07	1.61	1.19	1.36	3.90
SCHG Schwab U.S. Large-Cap Growth ETF	32	1.18	1.64	1.21	1.14	3.78
VEA Vanguard FTSE Developed Markets ETF	60	1.81	2.50	1.33	2.58	9.92
VGT Vanguard Information Technology ETF	67	2.19	2.74	1.36	2.94	9.11
VHT Vanguard Health Care ETF	33	1.09	1.71	1.19	1.53	3.81
VIG Vanguard Dividend Appreciation ETF	58	1.80	2.61	1.32	2.32	9.34
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	95	3.07	5.24	1.65	6.57	25.36
VWO Vanguard FTSE Emerging Markets ETF	48	1.49	2.10	1.28	2.21	7.80
XLF State Street Financial Select Sector SPDR ETF	15	0.42	0.67	1.08	0.42	1.08

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. Learn how to interpret the Sharpe ratio.

The current Gemini Growth Tilt 52-year-old Sept. 2-25 Sharpe ratio is 1.92 as of Jun 13, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.53 to 2.41, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of Gemini Growth Tilt 52-year-old Sept. 2-25 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

Gemini Growth Tilt 52-year-old Sept. 2-25 provided a 2.21% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.21%	2.27%	2.17%	2.04%	2.33%	2.20%	1.65%	1.98%	2.19%	1.84%	2.45%	1.96%
Portfolio components:
BIV Vanguard Intermediate-Term Bond Index ETF	4.21%	4.01%	3.79%	3.09%	2.41%	3.42%	2.95%	2.75%	2.88%	2.69%	3.01%	3.02%
SCHG Schwab U.S. Large-Cap Growth ETF	0.38%	0.36%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%
VEA Vanguard FTSE Developed Markets ETF	2.62%	3.22%	3.35%	3.15%	2.91%	3.16%	2.04%	3.04%	3.35%	2.77%	3.05%	2.92%
VGT Vanguard Information Technology ETF	0.33%	0.40%	0.60%	0.65%	0.91%	0.64%	0.82%	1.11%	1.29%	0.99%	1.31%	1.28%
VHT Vanguard Health Care ETF	1.64%	1.61%	1.53%	1.36%	1.33%	1.14%	1.21%	1.89%	1.38%	1.31%	1.45%	1.22%
VIG Vanguard Dividend Appreciation ETF	1.47%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	3.59%	3.81%	2.70%	2.86%	6.84%	4.68%	1.20%	1.95%	2.45%	1.52%	0.76%	0.00%
VWO Vanguard FTSE Emerging Markets ETF	2.44%	2.79%	3.20%	3.52%	4.11%	2.63%	1.91%	3.23%	2.88%	2.30%	2.52%	3.26%
XLF State Street Financial Select Sector SPDR ETF	1.49%	1.31%	1.42%	1.71%	2.04%	1.63%	2.03%	1.87%	2.08%	1.48%	21.10%	1.95%

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 Gemini Growth Tilt 52-year-old Sept. 2-25. 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 Gemini Growth Tilt 52-year-old Sept. 2-25 was 22.58%, occurring on Oct 14, 2022. Recovery took 317 trading sessions.

The current Gemini Growth Tilt 52-year-old Sept. 2-25 drawdown is 1.85%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-22.58%Oct 2022	9mo 20d	1y 3mo	2y 25dDec 2021 - Jan 2024
COVID crash2020	-22.06%Mar 2020	1mo 2d	2mo 17d	3mo 19dFeb 2020 - Jun 2020
Rate-hike selloffLate 2018	-11.83%Dec 2018	2mo 23d	2mo 21d	5mo 14dOct 2018 - Mar 2019
2025 selloff2025	-11.39%Apr 2025	1mo 17d	1mo 26d	3mo 13dFeb 2025 - Jun 2025
2016 correction2016	-10.48%Feb 2016	9mo 20d	5mo 1d	1y 2moApr 2015 - Jul 2016

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 9 assets, with an effective number of assets of 6.61, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.25	1.25	1.23	1.21	1.22

The portfolio has a diversification ratio of 1.22, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

Gemini Growth Tilt 52-year-old Sept. 2-25 correlation to the S&P 500 Index

Gemini Growth Tilt 52-year-old Sept. 2-25 has a 0.96 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.96
Correlation (3Y) Calculated over the trailing 3-year period	0.96
Correlation (5Y) Calculated over the trailing 5-year period	0.96
Correlation (10Y) Calculated over the trailing 10-year period	0.96
Correlation (All Time) Calculated using the full available price history since Oct 16, 2012	0.96

Benchmark Correlations

Correlation vs. S&P 500 Index. SCHG has the highest benchmark correlation at 0.94, while BIV has the lowest at -0.04.

-0.04

0.07

0.68

0.73

0.77

0.81

0.89

0.92

0.94

Portfolio Correlations

Correlation vs. Gemini Growth Tilt 52-year-old Sept. 2-25. SCHG has the highest portfolio correlation at 0.95, while BIV has the lowest at 0.12.

0.12

0.16

0.68

0.75

0.75

0.85

0.88

0.91

0.95

Asset Correlations Table

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

	BIV	VTIP	VWO	VHT	XLF	VGT	VEA	VIG	SCHG
BIV	1.00	0.58	0.01	0.01	-0.18	-0.02	0.03	-0.01	-0.02
VTIP	0.58	1.00	0.11	0.04	-0.02	0.04	0.14	0.07	0.06
VWO	0.01	0.11	1.00	0.48	0.53	0.63	0.79	0.62	0.64
VHT	0.01	0.04	0.48	1.00	0.59	0.59	0.62	0.76	0.68
XLF	-0.18	-0.02	0.53	0.59	1.00	0.57	0.67	0.78	0.63
VGT	-0.02	0.04	0.63	0.59	0.57	1.00	0.69	0.75	0.94
VEA	0.03	0.14	0.79	0.62	0.67	0.69	1.00	0.77	0.73
VIG	-0.01	0.07	0.62	0.76	0.78	0.75	0.77	1.00	0.81
SCHG	-0.02	0.06	0.64	0.68	0.63	0.94	0.73	0.81	1.00

The correlation results are calculated based on daily price changes starting from Oct 16, 2012

Diversification Analysis

Find what Gemini Growth Tilt 52-year-old Sept. 2-25 is missing

See which holdings overlap, where Gemini Growth Tilt 52-year-old Sept. 2-25 is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification