2025 *simple retirement idea

Asset Allocation

Position	Category/Sector	Target Weight
VIG Vanguard Dividend Appreciation ETF	Dividend	20%
BND Vanguard Total Bond Market ETF	Total Bond Market	15%
VOOG Vanguard S&P 500 Growth ETF	S&P 500, Large Cap Growth Equities	12%
QQQ Invesco QQQ ETF	Nasdaq-100	12%
GLD SPDR Gold Shares	Gold, Precious Metals	10%
BRK-B Berkshire Hathaway Inc.	Financial Services	10%
EFA iShares MSCI EAFE ETF	Foreign Large Cap Equities	10%
SMH VanEck Semiconductor ETF	Semiconductors, Technology Equities	6%
BTC-USD Bitcoin		5%

Benchmark Against

Benchmark

S&P 500 Index

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in **2025 *simple retirement idea**, 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 2025 *simple retirement idea returned 8.50% Year-To-Date and 18.76% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.50%	0.31%	8.56%	8.85%	24.33%	19.37%	11.84%	13.61%
Portfolio 2025 *simple retirement idea	0.10%	0.55%	8.50%	8.91%	22.11%	22.06%	13.96%	18.76%
Portfolio components:
BND Vanguard Total Bond Market ETF	-0.12%	0.45%	0.52%	0.91%	4.77%	4.17%	0.03%	1.58%
BRK-B Berkshire Hathaway Inc.	0.71%	1.36%	-2.67%	-2.06%	0.35%	13.30%	11.27%	13.22%
BTC-USD Bitcoin	2.42%	-17.06%	-25.06%	-25.64%	-37.83%	36.87%	10.30%	55.97%
EFA iShares MSCI EAFE ETF	0.28%	1.51%	9.36%	10.80%	21.90%	16.14%	8.36%	9.84%
GLD SPDR Gold Shares	0.06%	-9.52%	-2.47%	-2.25%	22.21%	28.89%	17.08%	12.15%
QQQ Invesco QQQ ETF	0.59%	0.22%	17.57%	17.85%	37.55%	26.43%	16.85%	21.79%
SMH VanEck Semiconductor ETF	1.72%	7.20%	72.15%	75.62%	141.99%	60.05%	38.42%	37.49%
VIG Vanguard Dividend Appreciation ETF	0.53%	2.11%	7.68%	6.99%	19.52%	15.98%	10.74%	13.24%
VOOG Vanguard S&P 500 Growth ETF	0.38%	-2.80%	9.67%	10.61%	29.13%	25.78%	14.86%	17.86%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Sep 29, 2012, 2025 *simple retirement idea's average daily return is +0.05%, while the average monthly return is +1.62%. At this rate, an investment would double in approximately 3.6 years.

Historically, 70% of months were positive and 30% were negative. The best month was Nov 2013 with a return of +33.9%, while the worst month was Dec 2013 at -10.6%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 *simple retirement idea closed higher 55% of trading days. The best single day was Nov 18, 2013 with a return of +7.3%, while the worst single day was Mar 12, 2020 at -9.9%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.12%	1.18%	-5.38%	7.83%	4.27%	-1.30%							8.50%
2025	3.34%	0.00%	-1.82%	1.77%	4.18%	3.72%	0.87%	2.11%	4.40%	1.64%	0.61%	0.00%	22.69%
2024	1.75%	6.08%	3.96%	-3.82%	4.81%	1.85%	2.21%	2.17%	1.74%	-0.82%	5.00%	-2.10%	24.80%
2023	7.59%	-2.16%	5.98%	1.58%	0.33%	4.56%	2.24%	-1.72%	-3.83%	0.30%	7.48%	4.37%	29.28%
2022	-4.96%	-0.80%	2.78%	-8.22%	-0.91%	-8.32%	7.82%	-5.31%	-7.47%	4.70%	6.54%	-3.88%	-18.16%
2021	-0.39%	2.71%	4.70%	3.77%	0.25%	0.34%	2.87%	2.65%	-4.40%	6.90%	-0.49%	2.07%	22.58%

Benchmark Metrics

2025 *simple retirement idea has an annualized alpha of 8.82%, beta of 0.72, and R2 of 0.74 versus S&P 500 Index. Calculated based on daily prices since September 29, 2012.

This portfolio captured 102.19% of S&P 500 Index gains but only 70.95% of its losses - a favorable profile for investors.
This portfolio generated an annualized alpha of 8.82% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.

Alpha: 8.82%

Beta: 0.72

R²: 0.74

Upside Capture: 102.19%

Downside Capture: 70.95%

See how alpha, beta & R² have trended over time →

Expense Ratio

**2025 *simple retirement idea 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.

GLD

SPDR Gold Shares

SMH

VanEck Semiconductor ETF

EFA

iShares MSCI EAFE ETF

QQQ

Invesco QQQ ETF

VOOG

Vanguard S&P 500 Growth ETF

VIG

Vanguard Dividend Appreciation ETF

BND

Vanguard Total Bond Market ETF

Return for Risk

Risk / Return Rank

2025 *simple retirement idea ranks 38 for risk / return — below 38% of Portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below presents risk-adjusted performance metrics for **2025 *simple retirement idea 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	1.92	1.86	+0.05
Sortino ratioReturn per unit of downside risk	2.64	2.53	+0.11
Omega ratioGain probability vs. loss probability	1.34	1.34	0.00
Calmar ratioReturn relative to maximum drawdown	2.52	2.53	-0.01
Martin ratioReturn relative to average drawdown	10.52	11.37	-0.85

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
BND Vanguard Total Bond Market ETF	36	1.18	1.77	1.21	1.65	4.81
BRK-B Berkshire Hathaway Inc.	38	-0.02	0.08	1.01	-0.02	-0.05
BTC-USD Bitcoin	36	-0.88	-1.20	0.88	-0.74	-1.28
EFA iShares MSCI EAFE ETF	41	1.31	1.91	1.24	1.79	6.67
GLD SPDR Gold Shares	26	0.87	1.24	1.18	0.98	2.81
QQQ Invesco QQQ ETF	69	2.09	2.73	1.37	3.01	11.22
SMH VanEck Semiconductor ETF	95	4.13	4.26	1.60	9.18	33.74
VIG Vanguard Dividend Appreciation ETF	58	1.80	2.61	1.32	2.32	9.34
VOOG Vanguard S&P 500 Growth ETF	51	1.67	2.26	1.29	2.02	8.11

Sharpe Ratio

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk. Learn how to interpret the Sharpe ratio.

The current **2025 *simple retirement idea Sharpe ratio is 1.92 as of Jun 13, 2026** (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.53 to 2.41, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of **2025 *simple retirement idea** compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Dividends

Dividend yield

**2025 *simple retirement idea provided a 1.31%** dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.31%	1.37%	1.37%	1.38%	1.33%	1.11%	1.11%	1.39%	1.56%	1.36%	1.46%	1.56%
Portfolio components:
BND Vanguard Total Bond Market ETF	3.96%	3.86%	3.67%	3.09%	2.60%	2.12%	2.38%	2.72%	2.81%	2.54%	2.51%	2.57%
BRK-B Berkshire Hathaway Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BTC-USD Bitcoin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EFA iShares MSCI EAFE ETF	3.09%	3.38%	3.24%	2.98%	2.69%	3.33%	2.13%	3.10%	3.39%	2.57%	3.07%	2.76%
GLD SPDR Gold Shares	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
QQQ Invesco QQQ ETF	0.39%	0.45%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%
SMH VanEck Semiconductor ETF	0.18%	0.31%	0.44%	0.60%	1.18%	0.51%	0.69%	1.50%	1.88%	1.43%	0.80%	2.14%
VIG Vanguard Dividend Appreciation ETF	1.47%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
VOOG Vanguard S&P 500 Growth ETF	0.45%	0.49%	0.49%	1.12%	0.93%	0.53%	0.88%	1.26%	1.34%	1.32%	1.47%	1.56%

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 **2025 *simple retirement idea**. 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 **2025 *simple retirement idea was 25.34%, occurring on Oct 15, 2022**. Recovery took 409 trading sessions.

The current 2025 *simple retirement idea drawdown is 1.66%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-25.34%Oct 2022	11mo 10d	1y 1mo	2y 19dNov 2021 - Nov 2023
COVID crash2020	-24.04%Mar 2020	1mo 1d	3mo 24d	4mo 25dFeb 2020 - Jul 2020
2013 correction2013	-16.86%Dec 2013	13d	2y 3mo	2y 3moDec 2013 - Mar 2016
Rate-hike selloffLate 2018	-16.24%Dec 2018	1y 8d	3mo 29d	1y 4moDec 2017 - Apr 2019
2025 selloff2025	-11.99%Apr 2025	1mo 17d	1mo 4d	2mo 21dFeb 2025 - May 2025

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 9 assets, with an effective number of assets of 7.85, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.46	1.43	1.37	1.39	1.45

The portfolio has a diversification ratio of 1.45, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

2025 *simple retirement idea correlation to the S&P 500 Index

2025 *simple retirement idea has a 0.92 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.92
Correlation (3Y) Calculated over the trailing 3-year period	0.93
Correlation (5Y) Calculated over the trailing 5-year period	0.94
Correlation (10Y) Calculated over the trailing 10-year period	0.90
Correlation (All Time) Calculated using the full available price history since Sep 29, 2012	0.87

Benchmark Correlations

Correlation vs. S&P 500 Index. VOOG has the highest benchmark correlation at 0.95, while BND has the lowest at -0.02.

-0.02

0.02

0.16

0.66

0.77

0.79

0.91

0.92

0.95

Portfolio Correlations

Correlation vs. 2025 *simple retirement idea. VOOG has the highest portfolio correlation at 0.77, while BND has the lowest at 0.07.

0.07

0.16

0.52

0.52

0.67

0.69

0.74

0.75

0.77

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	BND	GLD	BTC-USD	BRK-B	SMH	EFA	VIG	QQQ	VOOG
BND	1.00	0.32	0.03	-0.11	-0.04	0.02	0.00	0.00	-0.01
GLD	0.32	1.00	0.07	-0.04	0.02	0.15	0.03	0.02	0.02
BTC-USD	0.03	0.07	1.00	0.05	0.12	0.12	0.10	0.13	0.13
BRK-B	-0.11	-0.04	0.05	1.00	0.35	0.52	0.64	0.43	0.48
SMH	-0.04	0.02	0.12	0.35	1.00	0.58	0.60	0.78	0.74
EFA	0.02	0.15	0.12	0.52	0.58	1.00	0.70	0.64	0.66
VIG	0.00	0.03	0.10	0.64	0.60	0.70	1.00	0.70	0.77
QQQ	0.00	0.02	0.13	0.43	0.78	0.64	0.70	1.00	0.93
VOOG	-0.01	0.02	0.13	0.48	0.74	0.66	0.77	0.93	1.00

The correlation results are calculated based on daily price changes starting from Sep 29, 2012

Diversification Analysis

Find what **2025 *simple retirement idea** is missing

See which holdings overlap, where 2025 *simple retirement idea is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification