Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in What I have 2026, 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 year.
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The earliest data available for this chart is Sep 26, 2019, corresponding to the inception date of AVUV
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 What I have 2026 | 0.07% | -2.78% | -1.11% | 1.15% | 20.41% | 17.10% | 9.75% | — |
| Portfolio components: | ||||||||
VXUS Vanguard Total International Stock ETF | -0.68% | -2.51% | 2.81% | 6.58% | 28.04% | 15.41% | 7.43% | 9.01% |
VTI Vanguard Total Stock Market ETF | 0.16% | -3.26% | -3.13% | -1.24% | 17.86% | 18.10% | 10.66% | 13.75% |
LIVIX BlackRock LifePath Index 2055 Fund | 0.85% | -2.80% | -0.49% | 1.88% | 21.22% | 16.05% | 8.71% | 10.87% |
MGK Vanguard Mega Cap Growth ETF | 0.03% | -3.48% | -9.84% | -8.07% | 18.90% | 22.62% | 12.64% | 17.00% |
AVUV Avantis US Small Cap Value ETF | 0.68% | -0.56% | 9.54% | 12.30% | 27.33% | 16.21% | 10.57% | — |
VTIVX Vanguard Target Retirement 2045 Fund | 0.90% | -2.64% | -0.40% | 1.90% | 19.04% | 15.17% | 8.12% | 10.40% |
VFIFX Vanguard Target Retirement 2050 Fund | 0.99% | -2.75% | -0.46% | 2.00% | 20.51% | 16.02% | 8.63% | 10.68% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 27, 2019, What I have 2026's average daily return is +0.06%, while the average monthly return is +1.11%. At this rate, your investment would double in approximately 5.2 years.
Historically, 68% of months were positive and 32% were negative. The best month was Apr 2020 with a return of +12.0%, while the worst month was Mar 2020 at -14.6%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.
On a daily basis, What I have 2026 closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +9.0%, while the worst single day was Mar 16, 2020 at -11.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.62% | 0.93% | -5.38% | 0.90% | -1.11% | ||||||||
| 2025 | 2.82% | -1.27% | -4.48% | 0.07% | 5.84% | 4.71% | 1.48% | 2.97% | 3.24% | 1.90% | 0.35% | 0.60% | 19.33% |
| 2024 | 0.17% | 4.44% | 3.12% | -3.98% | 4.64% | 2.08% | 2.37% | 1.83% | 2.06% | -1.67% | 5.29% | -3.49% | 17.61% |
| 2023 | 7.65% | -2.67% | 2.39% | 1.11% | -0.35% | 6.23% | 3.84% | -2.43% | -4.44% | -2.81% | 9.14% | 5.62% | 24.56% |
| 2022 | -5.10% | -2.46% | 2.21% | -8.29% | 0.32% | -8.40% | 8.18% | -3.88% | -9.41% | 7.04% | 6.86% | -5.13% | -18.51% |
| 2021 | 0.03% | 3.34% | 3.28% | 4.38% | 1.28% | 1.63% | 0.82% | 2.53% | -3.86% | 5.51% | -1.92% | 3.60% | 22.20% |
Benchmark Metrics
What I have 2026 has an annualized alpha of 0.71%, beta of 0.94, and R² of 0.97 versus S&P 500 Index. Calculated based on daily prices since September 27, 2019.
- With beta of 0.94 and R² of 0.97, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- 0.71%
- Beta
- 0.94
- R²
- 0.97
- Upside Capture
- 97.05%
- Downside Capture
- 96.91%
Expense Ratio
What I have 2026 has an expense ratio of 0.08%, 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
What I have 2026 ranks 48 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.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.88 | +0.31 |
Sortino ratioReturn per unit of downside risk | 1.77 | 1.37 | +0.40 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.21 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.80 | 1.39 | +0.41 |
Martin ratioReturn relative to average drawdown | 8.49 | 6.43 | +2.06 |
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 | |
|---|---|---|---|---|---|---|
VXUS Vanguard Total International Stock ETF | 80 | 1.63 | 2.25 | 1.33 | 2.52 | 9.49 |
VTI Vanguard Total Stock Market ETF | 54 | 0.94 | 1.47 | 1.22 | 1.53 | 7.16 |
LIVIX BlackRock LifePath Index 2055 Fund | 68 | 1.29 | 1.89 | 1.28 | 1.89 | 8.77 |
MGK Vanguard Mega Cap Growth ETF | 40 | 0.81 | 1.34 | 1.19 | 1.18 | 4.03 |
AVUV Avantis US Small Cap Value ETF | 63 | 1.17 | 1.73 | 1.24 | 1.90 | 7.48 |
VTIVX Vanguard Target Retirement 2045 Fund | 75 | 1.43 | 2.05 | 1.30 | 2.06 | 9.17 |
VFIFX Vanguard Target Retirement 2050 Fund | 74 | 1.41 | 2.03 | 1.30 | 2.05 | 9.22 |
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Dividends
Dividend yield
What I have 2026 provided a 1.83% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.83% | 1.83% | 1.27% | 1.82% | 1.97% | 4.80% | 1.53% | 2.07% | 2.08% | 1.30% | 1.79% | 2.28% |
| Portfolio components: | ||||||||||||
VXUS Vanguard Total International Stock ETF | 2.95% | 3.18% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% |
VTI Vanguard Total Stock Market ETF | 1.16% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
LIVIX BlackRock LifePath Index 2055 Fund | 2.49% | 2.48% | 0.01% | 2.04% | 1.96% | 2.04% | 1.56% | 2.95% | 2.35% | 2.27% | 1.54% | 2.88% |
MGK Vanguard Mega Cap Growth ETF | 0.39% | 0.35% | 0.43% | 0.50% | 0.70% | 0.41% | 0.65% | 0.85% | 1.12% | 1.23% | 1.53% | 1.43% |
AVUV Avantis US Small Cap Value ETF | 1.39% | 1.58% | 1.61% | 1.65% | 1.74% | 1.28% | 1.21% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% |
VTIVX Vanguard Target Retirement 2045 Fund | 2.51% | 2.50% | 2.36% | 2.27% | 2.75% | 15.40% | 1.90% | 2.23% | 2.52% | 0.04% | 2.47% | 3.29% |
VFIFX Vanguard Target Retirement 2050 Fund | 2.10% | 2.09% | 2.26% | 2.21% | 2.38% | 12.83% | 1.84% | 2.20% | 2.51% | 0.03% | 2.04% | 2.36% |
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 What I have 2026. 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 What I have 2026 was 34.29%, occurring on Mar 23, 2020. Recovery took 102 trading sessions.
The current What I have 2026 drawdown is 5.28%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.29% | Feb 20, 2020 | 23 | Mar 23, 2020 | 102 | Aug 17, 2020 | 125 |
| -25.53% | Nov 9, 2021 | 226 | Sep 30, 2022 | 306 | Dec 19, 2023 | 532 |
| -17.43% | Feb 19, 2025 | 35 | Apr 8, 2025 | 43 | Jun 10, 2025 | 78 |
| -8.74% | Feb 26, 2026 | 23 | Mar 30, 2026 | — | — | — |
| -8.21% | Jul 17, 2024 | 14 | Aug 5, 2024 | 32 | Sep 19, 2024 | 46 |
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 7 assets, with an effective number of assets of 4.91, 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 | AVUV | MGK | VXUS | VTI | LIVIX | VTIVX | VFIFX | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.72 | 0.92 | 0.79 | 0.99 | 0.96 | 0.95 | 0.96 | 0.98 |
| AVUV | 0.72 | 1.00 | 0.52 | 0.70 | 0.77 | 0.77 | 0.77 | 0.77 | 0.80 |
| MGK | 0.92 | 0.52 | 1.00 | 0.69 | 0.91 | 0.86 | 0.86 | 0.86 | 0.88 |
| VXUS | 0.79 | 0.70 | 0.69 | 1.00 | 0.81 | 0.91 | 0.91 | 0.91 | 0.87 |
| VTI | 0.99 | 0.77 | 0.91 | 0.81 | 1.00 | 0.96 | 0.96 | 0.96 | 0.99 |
| LIVIX | 0.96 | 0.77 | 0.86 | 0.91 | 0.96 | 1.00 | 0.99 | 0.99 | 0.99 |
| VTIVX | 0.95 | 0.77 | 0.86 | 0.91 | 0.96 | 0.99 | 1.00 | 1.00 | 0.99 |
| VFIFX | 0.96 | 0.77 | 0.86 | 0.91 | 0.96 | 0.99 | 1.00 | 1.00 | 0.99 |
| Portfolio | 0.98 | 0.80 | 0.88 | 0.87 | 0.99 | 0.99 | 0.99 | 0.99 | 1.00 |