FundAdvice Ultimate Buy & Hold Portfolio
The FundAdvice Ultimate Buy & Hold Portfolio is a diversified investment strategy that allocates assets across various ETFs, covering domestic and international equities, real estate, and fixed income. The portfolio aims to balance capital growth and stability, with a 40% allocation to bonds (TIP, VGSH, and VGIT) and a 60% allocation to equities (VB, VEA, VBR, EFV, VOO, VTV, and EEM). Including real estate (VNQ) and value-focused ETFs (VBR, EFV, and VTV) adds diversification and income potential. This portfolio suits investors seeking stability, income, and moderate growth.
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in FundAdvice Ultimate Buy & Hold 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 Sep 9, 2010, corresponding to the inception date of VOO
Returns By Period
As of May 9, 2025, the FundAdvice Ultimate Buy & Hold Portfolio returned 4.03% Year-To-Date and 5.15% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.70% | 13.67% | -5.18% | 9.18% | 14.14% | 10.43% |
| FundAdvice Ultimate Buy & Hold Portfolio | 4.03% | 8.38% | 1.14% | 8.56% | 7.77% | 5.15% |
| Portfolio components: | ||||||
VB Vanguard Small-Cap ETF | -6.55% | 15.43% | -10.30% | 2.76% | 12.26% | 7.93% |
TIP iShares TIPS Bond ETF | 3.44% | 0.47% | 2.13% | 6.02% | 1.40% | 2.39% |
VEA Vanguard FTSE Developed Markets ETF | 12.04% | 16.82% | 6.79% | 10.14% | 11.59% | 5.66% |
VNQ Vanguard Real Estate ETF | 0.45% | 11.00% | -4.37% | 13.24% | 7.43% | 5.28% |
VBR Vanguard Small-Cap Value ETF | -5.75% | 14.01% | -10.96% | 1.75% | 15.53% | 7.73% |
EFV iShares MSCI EAFE Value ETF | 16.75% | 16.91% | 12.02% | 16.66% | 14.87% | 4.93% |
VOO Vanguard S&P 500 ETF | -3.28% | 13.71% | -4.52% | 10.70% | 15.89% | 12.40% |
VTV Vanguard Value ETF | 0.00% | 9.53% | -4.18% | 7.95% | 14.41% | 9.81% |
EEM iShares MSCI Emerging Markets ETF | 6.67% | 15.81% | -0.91% | 8.03% | 6.21% | 2.75% |
VGSH Vanguard Short-Term Treasury ETF | 1.95% | 0.00% | 2.49% | 5.68% | 1.14% | 1.48% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.12% | -0.14% | 2.75% | 6.32% | -1.00% | 1.32% |
Monthly Returns
The table below presents the monthly returns of FundAdvice Ultimate Buy & Hold 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 | 2.45% | 1.20% | -0.64% | 0.49% | 0.48% | 4.03% | |||||||
| 2024 | -0.87% | 1.48% | 2.56% | -2.92% | 3.04% | 0.02% | 3.43% | 1.81% | 1.69% | -2.48% | 2.22% | -3.17% | 6.70% |
| 2023 | 5.66% | -2.82% | 1.02% | 0.95% | -2.37% | 3.31% | 2.43% | -2.21% | -2.80% | -2.35% | 6.02% | 4.75% | 11.53% |
| 2022 | -2.40% | -1.31% | -0.08% | -4.46% | 0.79% | -5.55% | 4.23% | -3.32% | -7.26% | 4.12% | 6.40% | -2.26% | -11.41% |
| 2021 | 0.11% | 2.09% | 1.92% | 2.38% | 1.55% | -0.02% | 0.40% | 0.93% | -2.37% | 2.36% | -2.17% | 2.96% | 10.45% |
| 2020 | -0.96% | -4.05% | -9.45% | 5.69% | 2.92% | 1.83% | 2.36% | 2.66% | -1.70% | -1.09% | 8.51% | 3.38% | 9.22% |
| 2019 | 5.50% | 1.33% | 0.90% | 1.69% | -2.90% | 3.73% | -0.38% | -0.70% | 1.53% | 1.67% | 0.91% | 1.99% | 16.10% |
| 2018 | 2.00% | -3.30% | 0.10% | 0.20% | 0.38% | -0.17% | 1.53% | 0.20% | -0.23% | -4.55% | 1.54% | -3.75% | -6.14% |
| 2017 | 1.55% | 1.32% | 0.76% | 0.99% | 0.81% | 0.60% | 1.63% | 0.20% | 1.25% | 0.80% | 1.02% | 0.87% | 12.45% |
| 2016 | -2.75% | -0.43% | 4.99% | 0.87% | 0.01% | 0.74% | 2.60% | 0.07% | 0.56% | -1.50% | 0.34% | 1.64% | 7.16% |
| 2015 | 0.52% | 2.37% | -0.22% | 0.96% | -0.06% | -1.82% | 0.66% | -4.15% | -1.58% | 3.90% | -0.36% | -1.54% | -1.54% |
| 2014 | -1.68% | 3.12% | 0.25% | 0.84% | 1.46% | 1.26% | -1.33% | 1.68% | -2.98% | 1.67% | 0.57% | -0.92% | 3.85% |
Expense Ratio
FundAdvice Ultimate Buy & Hold Portfolio has an expense ratio of 0.14%, 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
The current rank of FundAdvice Ultimate Buy & Hold Portfolio is 73, indicating average performance compared to other portfolios on our website. Here’s 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 | |
|---|---|---|---|---|---|
VB Vanguard Small-Cap ETF | 0.12 | 0.31 | 1.04 | 0.09 | 0.29 |
TIP iShares TIPS Bond ETF | 1.29 | 1.74 | 1.22 | 0.58 | 3.75 |
VEA Vanguard FTSE Developed Markets ETF | 0.59 | 0.95 | 1.13 | 0.76 | 2.29 |
VNQ Vanguard Real Estate ETF | 0.74 | 1.11 | 1.15 | 0.55 | 2.41 |
VBR Vanguard Small-Cap Value ETF | 0.08 | 0.27 | 1.04 | 0.07 | 0.22 |
EFV iShares MSCI EAFE Value ETF | 1.00 | 1.44 | 1.20 | 1.21 | 4.03 |
VOO Vanguard S&P 500 ETF | 0.56 | 0.92 | 1.13 | 0.58 | 2.25 |
VTV Vanguard Value ETF | 0.52 | 0.86 | 1.12 | 0.58 | 2.15 |
EEM iShares MSCI Emerging Markets ETF | 0.42 | 0.69 | 1.09 | 0.28 | 1.22 |
VGSH Vanguard Short-Term Treasury ETF | 3.41 | 5.62 | 1.75 | 5.84 | 16.87 |
VGIT Vanguard Intermediate-Term Treasury ETF | 1.38 | 2.08 | 1.24 | 0.53 | 3.27 |
Dividends
Dividend yield
FundAdvice Ultimate Buy & Hold Portfolio provided a 3.14% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.14% | 3.19% | 2.91% | 2.75% | 2.28% | 2.02% | 2.62% | 2.74% | 2.19% | 2.18% | 2.11% | 2.31% |
| Portfolio components: | ||||||||||||
VB Vanguard Small-Cap ETF | 1.51% | 1.30% | 1.55% | 1.59% | 1.24% | 1.14% | 1.39% | 1.67% | 1.35% | 1.50% | 1.48% | 1.43% |
TIP iShares TIPS Bond ETF | 2.91% | 2.52% | 2.73% | 6.96% | 4.28% | 1.17% | 1.75% | 2.71% | 2.07% | 1.48% | 0.34% | 1.67% |
VEA Vanguard FTSE Developed Markets ETF | 2.93% | 3.36% | 3.16% | 2.91% | 3.16% | 2.04% | 3.04% | 3.35% | 2.77% | 3.05% | 2.92% | 3.68% |
VNQ Vanguard Real Estate ETF | 4.10% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% | 3.60% |
VBR Vanguard Small-Cap Value ETF | 2.27% | 1.98% | 2.12% | 2.03% | 1.75% | 1.68% | 2.06% | 2.35% | 1.79% | 1.77% | 1.99% | 1.77% |
EFV iShares MSCI EAFE Value ETF | 4.00% | 4.67% | 4.36% | 4.17% | 4.07% | 2.42% | 4.62% | 4.56% | 3.56% | 3.27% | 3.59% | 4.87% |
VOO Vanguard S&P 500 ETF | 1.34% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
VTV Vanguard Value ETF | 2.33% | 2.31% | 2.46% | 2.52% | 2.15% | 2.56% | 2.50% | 2.73% | 2.29% | 2.44% | 2.60% | 2.22% |
EEM iShares MSCI Emerging Markets ETF | 2.28% | 2.43% | 2.63% | 2.50% | 1.99% | 1.45% | 2.76% | 2.24% | 1.89% | 1.89% | 2.49% | 2.23% |
VGSH Vanguard Short-Term Treasury ETF | 4.18% | 4.18% | 3.31% | 1.15% | 0.66% | 1.74% | 2.28% | 1.79% | 1.10% | 0.84% | 0.71% | 0.46% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.74% | 3.67% | 2.72% | 1.74% | 1.69% | 2.23% | 2.24% | 2.05% | 1.67% | 1.69% | 1.69% | 1.54% |
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 FundAdvice Ultimate Buy & Hold 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 FundAdvice Ultimate Buy & Hold Portfolio was 21.19%, occurring on Mar 23, 2020. Recovery took 141 trading sessions.
The current FundAdvice Ultimate Buy & Hold Portfolio drawdown is 0.27%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -21.19% | Feb 13, 2020 | 27 | Mar 23, 2020 | 141 | Oct 12, 2020 | 168 |
| -18.82% | Nov 9, 2021 | 235 | Oct 14, 2022 | 349 | Mar 7, 2024 | 584 |
| -13.64% | May 2, 2011 | 108 | Oct 3, 2011 | 111 | Mar 13, 2012 | 219 |
| -12.02% | Apr 29, 2015 | 200 | Feb 11, 2016 | 128 | Aug 15, 2016 | 328 |
| -11.44% | Jan 29, 2018 | 229 | Dec 24, 2018 | 121 | Jun 19, 2019 | 350 |
Volatility
Volatility Chart
The current FundAdvice Ultimate Buy & Hold Portfolio volatility is 4.96%, 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
Diversification Metrics
Number of Effective Assets
The portfolio contains 11 assets, with an effective number of assets of 8.99, 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
| ^GSPC | TIP | VGSH | VGIT | VNQ | EEM | EFV | VEA | VBR | VB | VTV | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.07 | -0.15 | -0.22 | 0.63 | 0.72 | 0.77 | 0.82 | 0.84 | 0.88 | 0.90 | 1.00 | 0.89 |
| TIP | -0.07 | 1.00 | 0.54 | 0.75 | 0.13 | -0.01 | -0.04 | -0.01 | -0.07 | -0.06 | -0.10 | -0.07 | 0.09 |
| VGSH | -0.15 | 0.54 | 1.00 | 0.75 | 0.07 | -0.08 | -0.10 | -0.08 | -0.15 | -0.14 | -0.17 | -0.14 | 0.00 |
| VGIT | -0.22 | 0.75 | 0.75 | 1.00 | 0.04 | -0.16 | -0.20 | -0.17 | -0.23 | -0.21 | -0.25 | -0.22 | -0.06 |
| VNQ | 0.63 | 0.13 | 0.07 | 0.04 | 1.00 | 0.47 | 0.54 | 0.57 | 0.67 | 0.66 | 0.65 | 0.63 | 0.72 |
| EEM | 0.72 | -0.01 | -0.08 | -0.16 | 0.47 | 1.00 | 0.77 | 0.82 | 0.65 | 0.67 | 0.67 | 0.72 | 0.82 |
| EFV | 0.77 | -0.04 | -0.10 | -0.20 | 0.54 | 0.77 | 1.00 | 0.97 | 0.75 | 0.74 | 0.80 | 0.77 | 0.91 |
| VEA | 0.82 | -0.01 | -0.08 | -0.17 | 0.57 | 0.82 | 0.97 | 1.00 | 0.76 | 0.77 | 0.80 | 0.82 | 0.94 |
| VBR | 0.84 | -0.07 | -0.15 | -0.23 | 0.67 | 0.65 | 0.75 | 0.76 | 1.00 | 0.97 | 0.89 | 0.84 | 0.88 |
| VB | 0.88 | -0.06 | -0.14 | -0.21 | 0.66 | 0.67 | 0.74 | 0.77 | 0.97 | 1.00 | 0.86 | 0.88 | 0.89 |
| VTV | 0.90 | -0.10 | -0.17 | -0.25 | 0.65 | 0.67 | 0.80 | 0.80 | 0.89 | 0.86 | 1.00 | 0.90 | 0.88 |
| VOO | 1.00 | -0.07 | -0.14 | -0.22 | 0.63 | 0.72 | 0.77 | 0.82 | 0.84 | 0.88 | 0.90 | 1.00 | 0.89 |
| Portfolio | 0.89 | 0.09 | 0.00 | -0.06 | 0.72 | 0.82 | 0.91 | 0.94 | 0.88 | 0.89 | 0.88 | 0.89 | 1.00 |
AI Insight on Diversification
The portfolio is moderately diversified with a clear tilt toward equity positions, particularly in U.S. and international stocks, as evidenced by the high correlations among many equity ETFs. The strongest correlations are observed among the equity funds such as EFV (MSCI EAFE Value), VEA (MSCI EAFE), VB (small-cap U.S. stocks), VBR (small-cap value), VOO (S&P 500), and VTV (value large-cap U.S. stocks), with correlations generally above 0.8. This cluster of highly correlated equity positions indicates some overlap in exposure, which can reduce diversification benefits within the equity sleeve of the portfolio.
The portfolio's correlation with these equity positions is also very high, ranging from about 0.88 to 0.94, suggesting that the portfolio's overall returns are largely driven by these equity components. Among these, VEA stands out with the highest correlation to the portfolio (0.94), indicating it may have a dominant influence on the portfolio’s behavior. Similarly, EFV and the U.S. equity ETFs (VB, VBR, VOO, VTV) also have correlations close to or above 0.88, reinforcing the dominance of equity exposure.
In contrast, the fixed income and inflation-protected bond positions (TIP, VGSH, VGIT) show low or even slightly negative correlations with the equity ETFs and the portfolio overall. For example, TIP has a low positive correlation with the portfolio (0.09), while VGSH and VGIT have correlations near zero or slightly negative (-0.06 for VGIT). These low correlations help improve diversification by providing some ballast against equity volatility.
Real estate (VNQ) has a moderate positive correlation with the portfolio (0.72) and with equities, but lower than the equity cluster, contributing some diversification benefits. Emerging markets (EEM) also show a high correlation with the portfolio (0.82) and with international equities, indicating less diversification from this position relative to the core equity holdings.
Overall, the portfolio is not highly concentrated in a single position but is heavily weighted toward equities with overlapping exposures, which limits diversification within that asset class. The inclusion of fixed income and inflation-protected securities provides some diversification benefits due to their low correlations with equities. However, the portfolio’s risk and return profile will be largely influenced by the equity market movements, especially those of developed international and U.S. stocks.