Asset Allocation
Find the right asset allocation for Starter Pack
Add portfolio to the optimizer to find optimal allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in Starter Pack, 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.
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Returns By Period
As of Jun 13, 2026, the Starter Pack returned 12.36% Year-To-Date and 12.15% of annualized return in the last 10 years.
| Position | 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 1.65% | 1.97% | 10.35% | 10.82% | 26.39% | 19.66% | 12.33% | 13.81% |
Portfolio Starter Pack | 1.24% | 1.95% | 12.36% | 12.56% | 28.09% | 18.06% | 10.76% | 12.15% |
| Portfolio components: | ||||||||
ACWI iShares MSCI ACWI ETF | 1.66% | 3.24% | 12.42% | 13.16% | 28.96% | 20.01% | 11.38% | 13.13% |
BND Vanguard Total Bond Market ETF | 0.08% | 1.11% | 0.60% | 0.87% | 4.86% | 4.03% | 0.16% | 1.57% |
GDX VanEck Gold Miners ETF | 6.55% | -2.38% | -0.58% | 1.22% | 57.71% | 41.18% | 19.97% | 13.81% |
HDV iShares Core High Dividend ETF | -1.03% | 1.04% | 14.11% | 13.57% | 20.60% | 14.34% | 10.83% | 9.36% |
IWM iShares Russell 2000 ETF | 0.82% | 6.39% | 20.19% | 17.83% | 42.91% | 17.97% | 6.41% | 11.40% |
PDBC Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF | -1.00% | -9.24% | 27.47% | 29.29% | 29.58% | 10.66% | 11.09% | 7.87% |
QQQ Invesco QQQ ETF | 3.14% | 4.95% | 21.26% | 22.17% | 41.87% | 27.20% | 17.59% | 22.31% |
SPHD Invesco S&P 500® High Dividend Low Volatility ETF | -1.12% | 4.38% | 8.51% | 7.65% | 12.70% | 11.55% | 6.57% | 7.41% |
SPY State Street SPDR S&P 500 ETF | 1.76% | 2.12% | 10.99% | 11.52% | 27.89% | 21.15% | 13.87% | 15.65% |
TLT iShares 20+ Year Treasury Bond ETF | -0.06% | 2.87% | 0.21% | 0.32% | 3.82% | -1.84% | -6.36% | -1.78% |
Monthly Returns
Based on dividend-adjusted daily data since Nov 7, 2014, Starter Pack's average daily return is +0.05%, while the average monthly return is +0.94%. At this rate, an investment would double in approximately 6.2 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2020 with a return of +11.5%, while the worst month was Mar 2020 at -11.2%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 4 months.
On a daily basis, Starter Pack closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +7.0%, while the worst single day was Mar 12, 2020 at -8.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.39% | 2.68% | -4.08% | 7.07% | 3.08% | -0.02% | 12.36% | ||||||
| 2025 | 2.97% | 0.05% | -1.94% | -1.17% | 3.70% | 3.86% | 1.25% | 3.77% | 4.14% | 0.80% | 1.69% | -0.17% | 20.41% |
| 2024 | -0.63% | 2.34% | 3.85% | -3.12% | 4.07% | 1.48% | 3.41% | 1.60% | 1.85% | -1.08% | 3.80% | -3.65% | 14.40% |
| 2023 | 6.45% | -3.61% | 3.21% | 0.78% | -1.31% | 4.46% | 3.37% | -2.36% | -4.40% | -2.32% | 7.77% | 4.78% | 17.10% |
| 2022 | -4.12% | -0.11% | 3.61% | -6.60% | -0.19% | -7.17% | 5.98% | -3.85% | -8.06% | 5.56% | 5.78% | -4.36% | -14.08% |
| 2021 | -0.05% | 1.77% | 2.80% | 4.30% | 1.84% | 0.90% | 1.52% | 1.15% | -3.53% | 5.21% | -1.40% | 3.67% | 19.39% |
Benchmark Metrics
Starter Pack has an annualized alpha of 2.40%, beta of 0.70, and R2 of 0.88 versus S&P 500 Index. Calculated based on daily prices since November 07, 2014.
- This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (77.35%) than losses (75.47%) - typical of diversified or defensive assets.
- This portfolio generated an annualized alpha of 2.40% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
- Alpha
- 2.40%
- Beta
- 0.70
- R²
- 0.88
- Upside Capture
- 77.35%
- Downside Capture
- 75.47%
Expense Ratio
Starter Pack has an expense ratio of 0.19%, 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.
Top 10 holdings
Return for Risk
Risk / Return Rank
Starter Pack ranks 81 for risk / return — in the top 81% of Portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for Starter Pack and compares them with S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 2.71 | 2.14 | +0.57 |
| Sortino ratioReturn per unit of downside risk | 3.63 | 2.89 | +0.74 |
| Omega ratioGain probability vs. loss probability | 1.50 | 1.39 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 4.42 | 2.91 | +1.51 |
| Martin ratioReturn relative to average drawdown | 18.47 | 13.08 | +5.39 |
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Position | Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio |
|---|---|---|---|---|---|---|
ACWI iShares MSCI ACWI ETF | 73 | 2.16 | 2.96 | 1.39 | 2.99 | 13.07 |
BND Vanguard Total Bond Market ETF | 40 | 1.31 | 1.97 | 1.23 | 1.82 | 5.29 |
GDX VanEck Gold Miners ETF | 35 | 1.23 | 1.65 | 1.23 | 1.60 | 4.39 |
HDV iShares Core High Dividend ETF | 74 | 2.12 | 3.12 | 1.36 | 4.00 | 11.07 |
IWM iShares Russell 2000 ETF | 76 | 2.20 | 2.99 | 1.36 | 3.91 | 13.84 |
PDBC Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF | 52 | 1.59 | 2.14 | 1.28 | 2.78 | 7.99 |
QQQ Invesco QQQ ETF | 79 | 2.42 | 3.12 | 1.42 | 3.52 | 13.12 |
SPHD Invesco S&P 500® High Dividend Low Volatility ETF | 34 | 1.13 | 1.72 | 1.19 | 1.74 | 4.31 |
SPY State Street SPDR S&P 500 ETF | 77 | 2.27 | 3.05 | 1.41 | 3.15 | 14.24 |
TLT iShares 20+ Year Treasury Bond ETF | 15 | 0.40 | 0.65 | 1.07 | 0.51 | 1.22 |
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Dividends
Dividend yield
Starter Pack provided a 2.03% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.03% | 2.09% | 2.14% | 2.23% | 3.04% | 5.36% | 1.63% | 1.87% | 2.09% | 2.04% | 2.36% | 1.88% |
| Portfolio components: | ||||||||||||
ACWI iShares MSCI ACWI ETF | 2.03% | 1.55% | 1.70% | 1.88% | 1.79% | 1.71% | 1.43% | 2.33% | 2.18% | 1.94% | 2.19% | 2.56% |
BND Vanguard Total Bond Market ETF | 3.95% | 3.86% | 3.67% | 3.09% | 2.60% | 2.12% | 2.38% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% |
GDX VanEck Gold Miners ETF | 0.74% | 0.74% | 1.19% | 1.61% | 1.66% | 1.67% | 0.53% | 0.67% | 0.50% | 0.76% | 0.26% | 0.85% |
HDV iShares Core High Dividend ETF | 3.56% | 3.22% | 3.67% | 3.82% | 3.56% | 3.47% | 4.07% | 3.27% | 3.67% | 3.27% | 3.28% | 3.92% |
IWM iShares Russell 2000 ETF | 1.10% | 1.04% | 1.15% | 1.35% | 1.48% | 0.94% | 1.04% | 1.26% | 1.40% | 1.26% | 1.38% | 1.54% |
PDBC Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF | 3.01% | 3.84% | 4.42% | 4.21% | 13.05% | 50.83% | 0.01% | 1.40% | 1.00% | 3.83% | 6.51% | 0.00% |
QQQ Invesco QQQ ETF | 0.38% | 0.45% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% |
SPHD Invesco S&P 500® High Dividend Low Volatility ETF | 4.45% | 4.02% | 3.41% | 4.48% | 3.89% | 3.45% | 4.89% | 4.07% | 4.40% | 3.14% | 3.83% | 3.49% |
SPY State Street SPDR S&P 500 ETF | 0.98% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
TLT iShares 20+ Year Treasury Bond ETF | 4.57% | 4.43% | 4.30% | 3.38% | 2.67% | 1.50% | 1.50% | 2.27% | 2.63% | 2.43% | 2.60% | 2.61% |
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 Starter Pack. 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 Starter Pack was 26.99%, occurring on Mar 23, 2020. Recovery took 83 trading sessions.
The current Starter Pack drawdown is 1.55%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -26.99%Mar 2020 | 1mo 2d | 4mo | 5mo 2dFeb 2020 - Jul 2020 |
Bear market2022 | -20.22%Oct 2022 | 6mo 18d | 1y 2mo | 1y 8moMar 2022 - Dec 2023 |
Rate-hike selloffLate 2018 | -13.12%Dec 2018 | 3mo 26d | 2mo 19d | 6mo 15dAug 2018 - Mar 2019 |
2025 selloff2025 | -13.05%Apr 2025 | 1mo 16d | 2mo 2d | 3mo 18dFeb 2025 - Jun 2025 |
2016 correction2016 | -12.74%Jan 2016 | 8mo 26d | 2mo 23d | 11mo 19dApr 2015 - Apr 2016 |
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 13 assets, with an effective number of assets of 7.67, reflecting the diversification based on asset allocation. Your allocation shows noticeable concentration: a few holdings carry significantly more weight than the rest. Rebalancing toward more even weights — or adding less correlated assets — could reduce risk.
Diversification Ratio
1Y | 3Y | 5Y | 10Y | All Time | |
|---|---|---|---|---|---|
Diversification Ratio | 1.46 | 1.38 | 1.35 | 1.35 | 1.36 |
The portfolio has a diversification ratio of 1.36, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.
Starter Pack correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.88 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.89 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.92 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Nov 7, 2014 | 0.91 |
Benchmark Correlations
Correlation vs. S&P 500 Index. SPY has the highest benchmark correlation at 1.00, while TLT has the lowest at -0.13.
Asset Correlations Table
Find what Starter Pack is missing
See which holdings overlap, where Starter Pack is concentrated, and which low-correlation assets could fill the gaps.
Analyze Diversification