Rick's 4-3-2-1
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
IAU iShares Gold Trust | Precious Metals, Gold | 20% |
QQQ Invesco QQQ | Large Cap Blend Equities | 10% |
UUP Invesco DB US Dollar Index Bullish Fund | Currency | 40% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 30% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Rick's 4-3-2-1, 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 Feb 20, 2007, corresponding to the inception date of UUP
Returns By Period
As of Feb 5, 2025, the Rick's 4-3-2-1 returned 2.79% Year-To-Date and 9.27% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 2.66% | 1.61% | 15.23% | 22.15% | 12.59% | 11.41% |
| Rick's 4-3-2-1 | 3.44% | 2.37% | 16.75% | 24.31% | 13.32% | 11.26% |
| Portfolio components: | ||||||
QQQ Invesco QQQ | 2.59% | 1.14% | 19.69% | 23.14% | 18.74% | 18.65% |
IAU iShares Gold Trust | 8.44% | 7.83% | 19.05% | 40.18% | 12.44% | 8.45% |
VTI Vanguard Total Stock Market ETF | 3.02% | 1.88% | 16.56% | 24.00% | 13.74% | 12.84% |
UUP Invesco DB US Dollar Index Bullish Fund | -0.17% | -0.71% | 7.70% | 9.28% | 4.39% | 3.11% |
Monthly Returns
The table below presents the monthly returns of Rick's 4-3-2-1, 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 | 3.08% | 3.44% | |||||||||||
| 2024 | 1.12% | 3.86% | 3.22% | -2.22% | 3.78% | 3.34% | 0.96% | 1.32% | 2.47% | 0.67% | 3.88% | -0.96% | 23.42% |
| 2023 | 6.25% | -1.54% | 4.66% | 0.65% | 2.52% | 3.80% | 2.84% | -1.06% | -3.74% | -0.19% | 6.65% | 3.66% | 26.76% |
| 2022 | -5.26% | -1.28% | 3.10% | -7.25% | -1.33% | -5.48% | 6.52% | -2.91% | -6.28% | 3.68% | 4.03% | -4.45% | -16.67% |
| 2021 | -0.58% | 0.00% | 2.07% | 3.98% | 0.96% | 1.78% | 1.93% | 2.44% | -3.82% | 5.22% | 0.13% | 2.37% | 17.43% |
| 2020 | 1.80% | -4.39% | -6.49% | 9.31% | 3.88% | 2.75% | 5.52% | 4.97% | -3.42% | -1.62% | 5.67% | 4.10% | 22.95% |
| 2019 | 5.49% | 2.09% | 1.40% | 2.68% | -3.90% | 5.53% | 1.67% | 0.39% | 0.37% | 1.87% | 1.90% | 2.36% | 23.78% |
| 2018 | 3.78% | -1.77% | -1.58% | 0.55% | 2.50% | -0.03% | 1.46% | 2.41% | -0.04% | -4.04% | 0.85% | -4.62% | -0.90% |
| 2017 | 1.94% | 3.15% | 0.19% | 0.89% | 0.63% | -0.87% | 1.33% | 1.30% | 0.26% | 1.91% | 1.25% | 0.87% | 13.58% |
| 2016 | -1.85% | 1.82% | 2.17% | 0.41% | 0.58% | 1.74% | 2.84% | -0.39% | 0.48% | -0.97% | 0.48% | 0.71% | 8.22% |
| 2015 | 1.99% | 1.65% | -0.57% | -0.54% | 1.54% | -1.77% | 0.25% | -2.90% | -1.72% | 5.18% | -0.28% | -1.56% | 1.01% |
| 2014 | -0.11% | 3.55% | -1.04% | -0.10% | 0.77% | 2.75% | -0.93% | 2.57% | -1.48% | 0.86% | 1.89% | 0.46% | 9.44% |
Expense Ratio
Rick's 4-3-2-1 features an expense ratio of 0.38%, falling within the medium range. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 95, Rick's 4-3-2-1 is among the top 5% 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 | 1.37 | 1.87 | 1.25 | 1.85 | 6.39 |
IAU iShares Gold Trust | 2.51 | 3.23 | 1.43 | 4.68 | 12.79 |
VTI Vanguard Total Stock Market ETF | 1.88 | 2.52 | 1.34 | 2.85 | 11.36 |
UUP Invesco DB US Dollar Index Bullish Fund | 1.75 | 2.57 | 1.32 | 2.55 | 7.02 |
Dividends
Dividend yield
Rick's 4-3-2-1 provided a 2.22% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.22% | 2.23% | 3.07% | 0.94% | 0.41% | 0.48% | 1.42% | 1.14% | 0.63% | 0.68% | 0.69% | 0.67% |
| Portfolio components: | ||||||||||||
QQQ Invesco QQQ | 0.54% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
IAU iShares 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% |
VTI Vanguard Total Stock Market ETF | 1.23% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
UUP Invesco DB US Dollar Index Bullish Fund | 4.48% | 4.48% | 6.45% | 0.89% | 0.00% | 0.00% | 2.03% | 1.08% | 0.10% | 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 Rick's 4-3-2-1. 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 Rick's 4-3-2-1 was 20.14%, occurring on Oct 14, 2022. Recovery took 274 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -20.14% | Dec 28, 2021 | 202 | Oct 14, 2022 | 274 | Nov 16, 2023 | 476 |
| -20.05% | Feb 20, 2020 | 22 | Mar 20, 2020 | 71 | Jul 1, 2020 | 93 |
| -17.54% | Nov 1, 2007 | 267 | Nov 20, 2008 | 259 | Dec 2, 2009 | 526 |
| -11.52% | Oct 4, 2018 | 56 | Dec 24, 2018 | 55 | Mar 15, 2019 | 111 |
| -8.14% | Oct 5, 2012 | 181 | Jun 27, 2013 | 157 | Feb 11, 2014 | 338 |
Volatility
Volatility Chart
The current Rick's 4-3-2-1 volatility is 3.35%, 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
| IAU | UUP | QQQ | VTI | |
|---|---|---|---|---|
| IAU | 1.00 | -0.44 | 0.05 | 0.07 |
| UUP | -0.44 | 1.00 | -0.17 | -0.20 |
| QQQ | 0.05 | -0.17 | 1.00 | 0.89 |
| VTI | 0.07 | -0.20 | 0.89 | 1.00 |