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
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The earliest data available for this chart is Sep 9, 2010, corresponding to the inception date of VOO
Returns By Period
As of May 31, 2025, the FundAdvice Ultimate Buy & Hold Portfolio returned 6.00% Year-To-Date and 5.36% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.51% | 6.15% | -2.00% | 12.92% | 14.19% | 10.85% |
| FundAdvice Ultimate Buy & Hold Portfolio | 6.00% | 2.39% | 2.64% | 10.36% | 7.57% | 5.36% |
| Portfolio components: | ||||||
VB Vanguard Small-Cap ETF | -4.65% | 5.57% | -11.72% | 5.21% | 11.52% | 8.00% |
TIP iShares TIPS Bond ETF | 3.73% | -0.63% | 1.95% | 5.88% | 1.39% | 2.43% |
VEA Vanguard FTSE Developed Markets ETF | 16.76% | 5.13% | 12.67% | 14.08% | 11.40% | 6.14% |
VNQ Vanguard Real Estate ETF | 1.30% | 1.12% | -7.18% | 13.84% | 6.90% | 5.35% |
VBR Vanguard Small-Cap Value ETF | -4.02% | 5.00% | -11.53% | 4.19% | 14.82% | 7.81% |
EFV iShares MSCI EAFE Value ETF | 21.29% | 4.40% | 18.23% | 19.74% | 14.62% | 5.44% |
VOO Vanguard S&P 500 ETF | 0.90% | 6.28% | -1.46% | 14.27% | 15.89% | 12.81% |
VTV Vanguard Value ETF | 1.83% | 2.95% | -4.66% | 10.52% | 13.90% | 9.97% |
EEM iShares MSCI Emerging Markets ETF | 8.85% | 4.02% | 7.00% | 10.45% | 6.11% | 3.28% |
VGSH Vanguard Short-Term Treasury ETF | 2.18% | -0.24% | 2.42% | 5.81% | 1.18% | 1.50% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.53% | -0.82% | 2.37% | 6.83% | -0.96% | 1.36% |
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% | 2.39% | 6.00% | |||||||
| 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% | -6.15% |
| 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
With an overall rank of 75, FundAdvice Ultimate Buy & Hold Portfolio is among the top 25% 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 | |
|---|---|---|---|---|---|
VB Vanguard Small-Cap ETF | 0.23 | 0.45 | 1.06 | 0.18 | 0.55 |
TIP iShares TIPS Bond ETF | 1.25 | 1.74 | 1.22 | 0.60 | 3.74 |
VEA Vanguard FTSE Developed Markets ETF | 0.83 | 1.18 | 1.16 | 0.98 | 2.96 |
VNQ Vanguard Real Estate ETF | 0.77 | 1.17 | 1.15 | 0.60 | 2.46 |
VBR Vanguard Small-Cap Value ETF | 0.19 | 0.43 | 1.06 | 0.17 | 0.49 |
EFV iShares MSCI EAFE Value ETF | 1.19 | 1.62 | 1.23 | 1.38 | 4.63 |
VOO Vanguard S&P 500 ETF | 0.74 | 1.04 | 1.15 | 0.68 | 2.58 |
VTV Vanguard Value ETF | 0.67 | 0.97 | 1.13 | 0.68 | 2.41 |
EEM iShares MSCI Emerging Markets ETF | 0.55 | 0.77 | 1.10 | 0.31 | 1.40 |
VGSH Vanguard Short-Term Treasury ETF | 3.46 | 5.74 | 1.77 | 6.07 | 16.50 |
VGIT Vanguard Intermediate-Term Treasury ETF | 1.49 | 2.24 | 1.27 | 0.59 | 3.53 |
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Dividends
Dividend yield
FundAdvice Ultimate Buy & Hold Portfolio provided a 3.09% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.09% | 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 | 1.48% | 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 | 2.90% | 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 | 2.81% | 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 | 4.07% | 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 | 2.23% | 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 | 3.85% | 4.66% | 4.36% | 4.17% | 4.07% | 2.42% | 4.62% | 4.56% | 3.56% | 3.28% | 3.59% | 4.87% |
VOO Vanguard S&P 500 ETF | 1.29% | 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 | 2.29% | 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 | 2.23% | 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 | 4.17% | 4.19% | 3.32% | 1.15% | 0.66% | 1.75% | 2.28% | 1.79% | 1.10% | 0.84% | 0.71% | 0.46% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.73% | 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.
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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 0.21%.
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 chart below shows the rolling one-month volatility.
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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 | 0.71 | 0.77 | 0.82 | 0.84 | 0.88 | 0.90 | 1.00 | 0.89 |
| TIP | -0.07 | 1.00 | 0.55 | 0.75 | 0.13 | -0.01 | -0.04 | -0.01 | -0.07 | -0.05 | -0.10 | -0.07 | 0.09 |
| VGSH | -0.15 | 0.55 | 1.00 | 0.75 | 0.07 | -0.08 | -0.09 | -0.07 | -0.15 | -0.14 | -0.17 | -0.14 | 0.00 |
| VGIT | -0.22 | 0.75 | 0.75 | 1.00 | 0.04 | -0.16 | -0.19 | -0.16 | -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 | 0.71 | -0.01 | -0.08 | -0.16 | 0.47 | 1.00 | 0.77 | 0.81 | 0.65 | 0.67 | 0.66 | 0.71 | 0.82 |
| EFV | 0.77 | -0.04 | -0.09 | -0.19 | 0.54 | 0.77 | 1.00 | 0.97 | 0.75 | 0.74 | 0.79 | 0.77 | 0.91 |
| VEA | 0.82 | -0.01 | -0.07 | -0.16 | 0.57 | 0.81 | 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 | -0.05 | -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 | 0.66 | 0.79 | 0.80 | 0.89 | 0.86 | 1.00 | 0.90 | 0.88 |
| VOO | 1.00 | -0.07 | -0.14 | -0.22 | 0.63 | 0.71 | 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 exposures, particularly in U.S. and international stocks, as indicated by the high correlations among many equity positions. Several pairs of positions exhibit very strong positive correlations, such as EFV and VEA (0.97), VB and VBR (0.97), and VEA with the portfolio overall (0.94). These high correlations suggest overlapping exposures, especially among international and small/mid-cap equity funds, which can limit diversification benefits within the equity segment.
Conversely, the portfolio benefits from diversification through the inclusion of fixed income and inflation-protected securities, such as TIP, VGSH, and VGIT. These bond-related positions have low or even slightly negative correlations with many equity holdings (e.g., TIP has correlations near zero or negative with equity funds like VBR and VOO), which helps reduce overall portfolio volatility and provides a hedge against equity market downturns.
The portfolio’s correlations with individual positions reveal that it is most closely aligned with broad equity funds like VEA (0.94), EFV (0.91), and VB (0.89), indicating that these holdings likely have larger weights or greater influence on portfolio returns. In contrast, the portfolio shows very low or near-zero correlation with short-term bonds (VGSH at 0.0) and only modest correlation with inflation-protected bonds (TIP at 0.09), reflecting their role as diversifiers rather than return drivers.
No single position overwhelmingly dominates the portfolio, but the strong correlations and high alignment with certain equity funds suggest that international and small/mid-cap equities are significant contributors to portfolio performance and risk. The presence of multiple highly correlated equity funds may somewhat concentrate risk within certain market segments, reducing the benefits of diversification within equities.
Overall, the portfolio is well diversified across asset classes, balancing equity and fixed income exposures. However, within the equity portion, there is some concentration due to overlapping exposures among international and small/mid-cap equity funds. The inclusion of lowly correlated bond positions enhances diversification and helps moderate portfolio risk.