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%
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%
VIG Vanguard Dividend Appreciation ETF	Dividend	10%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	Inflation-Protected Bonds	10%
VWO Vanguard FTSE Emerging Markets ETF	Emerging Markets Equities	5%
XLF Financial Select Sector SPDR Fund	Financials Equities	2.50%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

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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The earliest data available for this chart is Oct 16, 2012, corresponding to the inception date of VTIP

Returns By Period

As of Apr 1, 2026, the Gemini Growth Tilt 52-year-old Sept. 2-25 returned -3.29% Year-To-Date and 10.27% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	2.91%	-5.09%	-4.63%	-2.39%	16.33%	16.69%	10.18%	12.16%
Portfolio Gemini Growth Tilt 52-year-old Sept. 2-25	2.09%	-4.34%	-3.29%	-0.67%	13.87%	12.98%	7.53%	10.27%
Portfolio components:
SCHG Schwab U.S. Large-Cap Growth ETF	3.67%	-5.12%	-10.59%	-8.51%	16.81%	21.91%	12.55%	16.83%
VIG Vanguard Dividend Appreciation ETF	2.07%	-5.18%	-1.77%	0.45%	12.67%	13.80%	9.76%	12.25%
VEA Vanguard FTSE Developed Markets ETF	3.30%	-8.61%	2.75%	8.94%	30.06%	16.07%	8.57%	9.37%
VWO Vanguard FTSE Emerging Markets ETF	3.11%	-6.97%	0.54%	1.72%	22.75%	13.73%	3.84%	7.63%
VGT Vanguard Information Technology ETF	4.34%	-3.89%	-7.34%	-6.36%	29.19%	22.58%	14.54%	21.35%
VHT Vanguard Health Care ETF	2.24%	-7.50%	-5.04%	5.91%	4.70%	6.16%	5.09%	9.72%
XLF Financial Select Sector SPDR Fund	2.09%	-3.51%	-9.40%	-7.56%	0.65%	17.25%	9.34%	12.44%
BIV Vanguard Intermediate-Term Bond Index ETF	0.32%	-2.03%	-0.23%	0.87%	4.99%	3.99%	0.54%	2.04%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	0.02%	0.10%	0.99%	1.37%	3.94%	4.66%	3.48%	3.07%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 17, 2012, Gemini Growth Tilt 52-year-old Sept. 2-25's average daily return is +0.04%, while the average monthly return is +0.81%. At this rate, your investment would double in approximately 7.2 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 55% 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%	-4.34%										-3.29%
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 1.88%, beta of 0.64, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since October 17, 2012.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (68.26%) than losses (68.21%) — 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: 1.88%

Beta: 0.64

R²: 0.95

Upside Capture: 68.26%

Downside Capture: 68.21%

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.

XLF

Financial Select Sector SPDR Fund

VHT

Vanguard Health Care ETF

VGT

Vanguard Information Technology ETF

VWO

Vanguard FTSE Emerging Markets 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 56 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

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	1.17	0.90	+0.27
Sortino ratio Return per unit of downside risk	1.74	1.39	+0.36
Omega ratio Gain probability vs. loss probability	1.25	1.21	+0.04
Calmar ratio Return relative to maximum drawdown	1.78	1.40	+0.38
Martin ratio Return relative to average drawdown	8.01	6.61	+1.40
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
SCHG Schwab U.S. Large-Cap Growth ETF	46	0.75	1.23	1.17	1.03	3.54
VIG Vanguard Dividend Appreciation ETF	55	0.83	1.28	1.18	1.28	5.73
VEA Vanguard FTSE Developed Markets ETF	87	1.72	2.35	1.35	2.50	9.82
VWO Vanguard FTSE Emerging Markets ETF	74	1.28	1.81	1.26	1.85	7.12
VGT Vanguard Information Technology ETF	67	1.08	1.65	1.23	1.77	5.47
VHT Vanguard Health Care ETF	21	0.27	0.49	1.06	0.51	1.09
XLF Financial Select Sector SPDR Fund	14	0.03	0.18	1.02	0.13	0.38
BIV Vanguard Intermediate-Term Bond Index ETF	65	1.10	1.59	1.20	1.82	5.87
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	94	2.09	3.15	1.44	4.11	13.24

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.

Gemini Growth Tilt 52-year-old Sept. 2-25 Sharpe ratios as of Apr 1, 2026 (values are recalculated daily):

1-Year: 1.17
5-Year: 0.65
10-Year: 0.87
All Time: 0.88

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 0.97 to 1.64, 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 2.29% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.29%	2.27%	2.17%	2.04%	2.33%	2.20%	1.65%	1.98%	2.19%	1.84%	2.45%	1.96%
Portfolio components:
SCHG Schwab U.S. Large-Cap Growth ETF	0.43%	0.36%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%
VIG Vanguard Dividend Appreciation ETF	1.61%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
VEA Vanguard FTSE Developed Markets ETF	2.93%	3.22%	3.35%	3.15%	2.91%	3.16%	2.04%	3.04%	3.35%	2.77%	3.05%	2.92%
VWO Vanguard FTSE Emerging Markets ETF	2.68%	2.79%	3.20%	3.52%	4.11%	2.63%	1.91%	3.23%	2.88%	2.30%	2.52%	3.26%
VGT Vanguard Information Technology ETF	0.44%	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	1.73%	1.61%	1.53%	1.36%	1.33%	1.14%	1.21%	1.89%	1.38%	1.31%	1.45%	1.22%
XLF Financial Select Sector SPDR Fund	1.60%	1.31%	1.42%	1.71%	2.04%	1.63%	2.03%	1.87%	2.08%	1.48%	21.10%	1.95%
BIV Vanguard Intermediate-Term Bond Index ETF	4.10%	4.01%	3.79%	3.09%	2.41%	3.42%	2.95%	2.75%	2.88%	2.69%	3.01%	3.02%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	3.77%	3.81%	2.70%	2.86%	6.84%	4.68%	1.20%	1.95%	2.45%	1.52%	0.76%	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 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 4.79%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-22.58%	Dec 28, 2021	202	Oct 14, 2022	317	Jan 22, 2024	519
-22.06%	Feb 20, 2020	23	Mar 23, 2020	53	Jun 8, 2020	76
-11.83%	Oct 2, 2018	58	Dec 24, 2018	55	Mar 15, 2019	113
-11.39%	Feb 20, 2025	34	Apr 8, 2025	38	Jun 3, 2025	72
-10.48%	Apr 27, 2015	202	Feb 11, 2016	103	Jul 11, 2016	305

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. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

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	BIV	VTIP	VWO	VHT	XLF	VGT	VEA	VIG	SCHG	Portfolio
Benchmark	1.00	-0.05	0.07	0.68	0.74	0.78	0.89	0.81	0.92	0.94	0.96
BIV	-0.05	1.00	0.58	-0.00	0.00	-0.18	-0.03	0.02	-0.02	-0.03	0.11
VTIP	0.07	0.58	1.00	0.10	0.05	-0.02	0.04	0.14	0.07	0.05	0.16
VWO	0.68	-0.00	0.10	1.00	0.48	0.53	0.63	0.79	0.62	0.64	0.74
VHT	0.74	0.00	0.05	0.48	1.00	0.59	0.60	0.63	0.76	0.68	0.76
XLF	0.78	-0.18	-0.02	0.53	0.59	1.00	0.57	0.68	0.78	0.63	0.68
VGT	0.89	-0.03	0.04	0.63	0.60	0.57	1.00	0.69	0.76	0.94	0.91
VEA	0.81	0.02	0.14	0.79	0.63	0.68	0.69	1.00	0.77	0.73	0.85
VIG	0.92	-0.02	0.07	0.62	0.76	0.78	0.76	0.77	1.00	0.81	0.88
SCHG	0.94	-0.03	0.05	0.64	0.68	0.63	0.94	0.73	0.81	1.00	0.95
Portfolio	0.96	0.11	0.16	0.74	0.76	0.68	0.91	0.85	0.88	0.95	1.00

The correlation results are calculated based on daily price changes starting from Oct 17, 2012

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

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

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