My portfolio
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 25% |
GLD SPDR Gold Trust | Precious Metals, Gold | 20% |
QQQ Invesco QQQ | Large Cap Blend Equities | 22% |
VB Vanguard Small-Cap ETF | Small Cap Growth Equities | 11% |
VEA Vanguard FTSE Developed Markets ETF | Foreign Large Cap Equities | 9% |
VWO Vanguard FTSE Emerging Markets ETF | Emerging Markets Equities | 13% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in My portfolio, 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.
The earliest data available for this chart is Jul 26, 2007, corresponding to the inception date of VEA
Returns By Period
As of Apr 8, 2025, the My portfolio returned -3.91% Year-To-Date and 7.56% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -13.93% | -12.27% | -11.13% | -2.73% | 13.04% | 9.21% |
| My portfolio | -9.66% | -9.43% | -7.72% | 1.62% | 11.81% | 9.47% |
| Portfolio components: | ||||||
QQQ Invesco QQQ | -17.00% | -13.72% | -13.14% | -3.25% | 16.92% | 15.62% |
VB Vanguard Small-Cap ETF | -16.85% | -12.52% | -14.72% | -10.09% | 11.29% | 6.52% |
VEA Vanguard FTSE Developed Markets ETF | -3.59% | -12.32% | -9.67% | -5.19% | 8.98% | 4.20% |
VWO Vanguard FTSE Emerging Markets ETF | -8.10% | -11.94% | -13.72% | -1.53% | 6.28% | 2.17% |
BND Vanguard Total Bond Market ETF | 2.39% | 0.23% | 0.38% | 5.68% | -0.89% | 1.38% |
GLD SPDR Gold Trust | 13.04% | 1.98% | 12.93% | 26.44% | 11.58% | 8.99% |
Monthly Returns
The table below presents the monthly returns of My portfolio, 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 | 2.96% | -1.45% | -3.22% | -8.00% | -9.66% | ||||||||
| 2024 | 0.26% | 3.74% | 2.76% | -3.02% | 4.50% | 3.53% | 0.94% | 1.24% | 2.97% | -0.39% | 3.54% | -1.11% | 20.37% |
| 2023 | 8.55% | -2.25% | 6.07% | 0.43% | 3.06% | 4.26% | 3.37% | -1.93% | -4.63% | -1.09% | 8.33% | 5.08% | 32.20% |
| 2022 | -6.20% | -1.81% | 2.24% | -9.38% | -1.14% | -6.57% | 7.29% | -3.97% | -8.34% | 2.74% | 6.36% | -4.97% | -22.71% |
| 2021 | -0.14% | -0.37% | 0.78% | 4.27% | 0.81% | 2.27% | 1.44% | 2.55% | -4.24% | 5.06% | 0.13% | 1.65% | 14.81% |
| 2020 | 1.61% | -4.02% | -7.59% | 10.37% | 4.67% | 4.20% | 6.64% | 5.55% | -3.88% | -1.47% | 7.07% | 4.92% | 29.92% |
| 2019 | 6.67% | 1.75% | 1.71% | 2.86% | -4.45% | 6.17% | 0.89% | 0.27% | 0.00% | 2.91% | 1.69% | 3.15% | 25.79% |
| 2018 | 4.89% | -2.28% | -1.24% | -0.25% | 2.44% | -0.55% | 1.38% | 2.29% | -0.57% | -5.75% | 0.70% | -4.28% | -3.64% |
| 2017 | 3.62% | 2.76% | 0.95% | 1.79% | 1.60% | -0.86% | 2.67% | 1.82% | -0.21% | 2.00% | 1.18% | 1.14% | 20.01% |
| 2016 | -2.64% | 1.86% | 4.33% | 0.58% | -0.07% | 1.89% | 3.96% | -0.30% | 1.16% | -1.90% | -1.55% | 0.39% | 7.73% |
| 2015 | 1.50% | 1.89% | -1.11% | 1.06% | 0.63% | -1.81% | -0.24% | -3.50% | -1.88% | 5.47% | -1.23% | -1.55% | -1.08% |
| 2014 | -0.72% | 4.23% | -1.21% | 0.08% | 1.22% | 3.28% | -1.24% | 2.70% | -3.29% | 0.97% | 1.47% | -0.87% | 6.56% |
Expense Ratio
My portfolio has an expense ratio of 0.15%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 80, My portfolio is among the top 20% 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 | |
|---|---|---|---|---|---|
QQQ Invesco QQQ | -0.10 | 0.01 | 1.00 | -0.10 | -0.37 |
VB Vanguard Small-Cap ETF | -0.46 | -0.50 | 0.94 | -0.38 | -1.50 |
VEA Vanguard FTSE Developed Markets ETF | -0.29 | -0.28 | 0.96 | -0.34 | -1.02 |
VWO Vanguard FTSE Emerging Markets ETF | -0.04 | 0.07 | 1.01 | -0.03 | -0.12 |
BND Vanguard Total Bond Market ETF | 0.95 | 1.37 | 1.17 | 0.38 | 2.48 |
GLD SPDR Gold Trust | 1.87 | 2.46 | 1.32 | 3.62 | 9.73 |
Dividends
Dividend yield
My portfolio provided a 2.03% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.03% | 1.90% | 1.82% | 1.80% | 1.35% | 1.23% | 1.69% | 1.76% | 1.52% | 1.63% | 1.71% | 1.87% |
| Portfolio components: | ||||||||||||
QQQ Invesco QQQ | 0.71% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
VB Vanguard Small-Cap ETF | 1.70% | 1.30% | 1.55% | 1.59% | 1.24% | 1.14% | 1.39% | 1.67% | 1.35% | 1.50% | 1.48% | 1.43% |
VEA Vanguard FTSE Developed Markets ETF | 3.40% | 3.36% | 3.16% | 2.91% | 3.16% | 2.04% | 3.04% | 3.35% | 2.77% | 3.05% | 2.92% | 3.68% |
VWO Vanguard FTSE Emerging Markets ETF | 3.50% | 3.20% | 3.52% | 4.11% | 2.63% | 1.91% | 3.24% | 2.88% | 2.30% | 2.52% | 3.26% | 2.86% |
BND Vanguard Total Bond Market ETF | 3.71% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
GLD SPDR Gold Trust | 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.
Worst Drawdowns
The table below displays the maximum drawdowns of the My portfolio. 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 My portfolio was 32.77%, occurring on Nov 20, 2008. Recovery took 248 trading sessions.
The current My portfolio drawdown is 8.99%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -32.77% | Nov 1, 2007 | 267 | Nov 20, 2008 | 248 | Nov 16, 2009 | 515 |
| -27.67% | Nov 22, 2021 | 226 | Oct 14, 2022 | 296 | Dec 19, 2023 | 522 |
| -22.35% | Feb 20, 2020 | 22 | Mar 20, 2020 | 54 | Jun 8, 2020 | 76 |
| -14.76% | Feb 19, 2025 | 34 | Apr 7, 2025 | — | — | — |
| -13.57% | Aug 30, 2018 | 80 | Dec 24, 2018 | 59 | Mar 21, 2019 | 139 |
Volatility
Volatility Chart
The current My portfolio volatility is 7.52%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Asset Correlations Table
| GLD | BND | QQQ | VB | VWO | VEA | |
|---|---|---|---|---|---|---|
| GLD | 1.00 | 0.25 | 0.05 | 0.07 | 0.19 | 0.18 |
| BND | 0.25 | 1.00 | -0.12 | -0.16 | -0.11 | -0.10 |
| QQQ | 0.05 | -0.12 | 1.00 | 0.78 | 0.68 | 0.72 |
| VB | 0.07 | -0.16 | 0.78 | 1.00 | 0.70 | 0.78 |
| VWO | 0.19 | -0.11 | 0.68 | 0.70 | 1.00 | 0.82 |
| VEA | 0.18 | -0.10 | 0.72 | 0.78 | 0.82 | 1.00 |