Common Sense Portfolio - Balanced
Max holdings 15% (besides long short inflation)
ONLY EASY TO BUY ETFS - not hard to buy mutual funds (high fee + expense ratio + minimal investment) like LCSIX, PGTYX, QLEIX, HICOX, RPIFX, DBSCX, ENIAX, etc.
BRK.A. only gets 10% because theoretically it isn't an ETF
Asset Allocation
Performance
Performance Chart
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The earliest data available for this chart is Oct 20, 2011, corresponding to the inception date of USMV
Returns By Period
As of May 28, 2025, the Common Sense Portfolio - Balanced returned 5.94% Year-To-Date and 10.12% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.12% | 6.51% | -1.84% | 10.98% | 14.10% | 10.82% |
| Common Sense Portfolio - Balanced | 5.69% | 1.89% | 5.16% | 16.26% | 9.92% | 10.10% |
| Portfolio components: | ||||||
GLD SPDR Gold Trust | 25.47% | -1.70% | 24.77% | 39.24% | 13.27% | 10.29% |
UUP Invesco DB US Dollar Index Bullish Fund | -6.15% | 1.43% | -3.49% | 0.82% | 3.09% | 2.30% |
BTAL AGFiQ US Market Neutral Anti-Beta Fund | 3.68% | -4.10% | 4.64% | 3.98% | -3.28% | 1.16% |
QQQ Invesco QQQ | 1.65% | 9.84% | 3.01% | 13.57% | 18.07% | 17.69% |
BRK-A Berkshire Hathaway Inc | 10.85% | -5.38% | 4.32% | 23.94% | 22.06% | 13.39% |
VUG Vanguard Growth ETF | 0.62% | 9.70% | 1.92% | 15.99% | 17.11% | 15.27% |
IEF iShares 7-10 Year Treasury Bond ETF | 2.85% | -1.45% | 0.95% | 5.49% | -2.98% | 0.77% |
TIP iShares TIPS Bond ETF | 3.10% | -0.95% | 1.62% | 5.39% | 1.26% | 2.26% |
USMV iShares Edge MSCI Min Vol USA ETF | 4.71% | 1.65% | -1.10% | 14.51% | 10.34% | 10.43% |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 1.67% | 0.33% | 2.10% | 4.73% | 2.60% | 1.79% |
Monthly Returns
The table below presents the monthly returns of Common Sense Portfolio - Balanced, 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 | 1.75% | 2.05% | -0.21% | 0.66% | 1.34% | 5.69% | |||||||
| 2024 | 2.91% | 2.54% | 2.43% | -1.24% | 2.82% | 2.68% | 1.65% | 3.06% | 0.55% | 0.29% | 2.60% | -0.85% | 21.11% |
| 2023 | 3.75% | -2.18% | 4.74% | 2.14% | 0.67% | 1.77% | 0.87% | 0.83% | -2.10% | 0.76% | 4.59% | 0.87% | 17.75% |
| 2022 | -2.29% | -2.04% | 3.18% | -4.61% | -0.24% | -1.21% | 2.92% | -3.16% | -2.31% | 1.67% | 4.44% | -2.68% | -6.57% |
| 2021 | -1.51% | -2.01% | 1.18% | 2.86% | 0.58% | 1.23% | 1.38% | 1.59% | -3.49% | 2.81% | 0.16% | 2.77% | 7.57% |
| 2020 | 3.29% | -2.92% | -0.59% | 5.02% | 3.01% | 0.51% | 4.31% | 2.87% | -2.34% | -2.74% | 1.82% | 1.55% | 14.23% |
| 2019 | 3.02% | 1.15% | 1.94% | 2.08% | -1.68% | 4.19% | 1.18% | 2.81% | -0.07% | 1.39% | 0.61% | 0.91% | 18.87% |
| 2018 | 2.69% | -1.57% | -0.88% | -0.51% | 2.04% | 0.34% | 1.64% | 2.63% | 0.43% | -1.32% | 1.56% | -1.46% | 5.58% |
| 2017 | 1.20% | 3.35% | 0.43% | 1.39% | 2.07% | -1.01% | 1.42% | 1.71% | -0.99% | 1.63% | 1.01% | 0.35% | 13.21% |
| 2016 | 0.76% | 1.76% | 1.14% | -0.56% | 0.76% | 3.19% | 1.02% | -0.73% | -0.67% | -1.21% | -1.57% | 1.11% | 5.00% |
| 2015 | 1.58% | 0.49% | -0.39% | -1.55% | 1.57% | -2.30% | 2.71% | -1.94% | 0.41% | 3.64% | -0.78% | -0.19% | 3.11% |
| 2014 | -0.85% | 2.89% | 0.24% | 0.33% | 0.56% | 1.10% | -0.25% | 3.38% | 0.51% | 1.64% | 3.39% | 1.25% | 15.02% |
Expense Ratio
Common Sense Portfolio - Balanced has an expense ratio of 0.52%, placing it in the medium range. 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 95, Common Sense Portfolio - Balanced 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 | |
|---|---|---|---|---|---|
GLD SPDR Gold Trust | 2.21 | 3.06 | 1.39 | 5.03 | 13.76 |
UUP Invesco DB US Dollar Index Bullish Fund | 0.11 | 0.12 | 1.01 | 0.04 | 0.10 |
BTAL AGFiQ US Market Neutral Anti-Beta Fund | 0.20 | 0.42 | 1.05 | 0.15 | 0.55 |
QQQ Invesco QQQ | 0.53 | 0.99 | 1.14 | 0.66 | 2.15 |
BRK-A Berkshire Hathaway Inc | 1.22 | 1.68 | 1.23 | 2.69 | 6.31 |
VUG Vanguard Growth ETF | 0.64 | 1.14 | 1.16 | 0.78 | 2.64 |
IEF iShares 7-10 Year Treasury Bond ETF | 0.83 | 1.13 | 1.13 | 0.25 | 1.57 |
TIP iShares TIPS Bond ETF | 1.14 | 1.50 | 1.19 | 0.51 | 3.23 |
USMV iShares Edge MSCI Min Vol USA ETF | 1.11 | 1.47 | 1.21 | 1.45 | 5.55 |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 20.92 | 244.30 | 139.79 | 431.01 | 3,968.50 |
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Dividends
Dividend yield
Common Sense Portfolio - Balanced provided a 2.24% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.24% | 2.46% | 2.71% | -2.45% | -1.93% | 0.30% | 1.17% | 0.51% | 0.28% | 0.69% | 1.39% | 0.66% |
| Portfolio components: | ||||||||||||
GLD SPDR 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% |
UUP Invesco DB US Dollar Index Bullish Fund | 4.77% | 4.48% | 6.45% | 0.89% | 0.00% | 0.00% | 2.03% | 1.08% | 0.10% | 0.00% | 0.00% | 0.00% |
BTAL AGFiQ US Market Neutral Anti-Beta Fund | 3.37% | 3.49% | 6.14% | 1.00% | 0.00% | 0.00% | 0.88% | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% |
QQQ Invesco QQQ | 0.58% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
BRK-A 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% |
VUG Vanguard Growth ETF | 0.47% | 0.47% | 0.58% | 0.70% | 0.48% | 0.66% | 0.95% | 1.32% | 1.14% | 1.39% | 1.30% | 1.21% |
IEF iShares 7-10 Year Treasury Bond ETF | 3.73% | 3.62% | 2.91% | 1.96% | 0.83% | 1.08% | 2.08% | 2.24% | 1.82% | 1.81% | 1.90% | 2.05% |
TIP iShares TIPS Bond ETF | 2.92% | 2.52% | 2.73% | 6.96% | 4.28% | 1.17% | 1.75% | 2.71% | 2.07% | 1.48% | 0.34% | 1.67% |
USMV iShares Edge MSCI Min Vol USA ETF | 1.57% | 1.67% | 1.82% | 1.62% | 1.26% | 1.81% | 1.88% | 2.12% | 1.77% | 2.22% | 2.02% | 1.88% |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 4.68% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% | 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.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Common Sense Portfolio - Balanced. 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 Common Sense Portfolio - Balanced was 12.34%, occurring on Mar 23, 2020. Recovery took 45 trading sessions.
The current Common Sense Portfolio - Balanced drawdown is 0.08%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -12.34% | Feb 20, 2020 | 23 | Mar 23, 2020 | 45 | May 27, 2020 | 68 |
| -11.24% | Dec 28, 2021 | 202 | Oct 14, 2022 | 123 | Apr 13, 2023 | 325 |
| -7.93% | Sep 3, 2020 | 125 | Mar 4, 2021 | 85 | Jul 6, 2021 | 210 |
| -5.75% | Dec 4, 2018 | 14 | Dec 24, 2018 | 24 | Jan 30, 2019 | 38 |
| -5.73% | Apr 3, 2025 | 4 | Apr 8, 2025 | 14 | Apr 29, 2025 | 18 |
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 10 assets, with an effective number of assets of 1.25, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | BIL | GLD | TIP | UUP | IEF | BTAL | BRK-A | USMV | QQQ | VUG | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.00 | 0.03 | -0.05 | -0.16 | -0.21 | -0.50 | 0.68 | 0.85 | 0.90 | 0.94 | 0.78 |
| BIL | -0.00 | 1.00 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | -0.01 | -0.00 | -0.01 | -0.01 | 0.01 |
| GLD | 0.03 | 0.02 | 1.00 | 0.36 | -0.47 | 0.32 | 0.02 | -0.02 | 0.06 | 0.03 | 0.04 | 0.26 |
| TIP | -0.05 | 0.01 | 0.36 | 1.00 | -0.24 | 0.79 | 0.06 | -0.10 | 0.03 | -0.02 | -0.02 | -0.02 |
| UUP | -0.16 | 0.01 | -0.47 | -0.24 | 1.00 | -0.20 | 0.10 | -0.11 | -0.15 | -0.13 | -0.15 | -0.11 |
| IEF | -0.21 | 0.02 | 0.32 | 0.79 | -0.20 | 1.00 | 0.19 | -0.24 | -0.08 | -0.16 | -0.16 | -0.00 |
| BTAL | -0.50 | 0.02 | 0.02 | 0.06 | 0.10 | 0.19 | 1.00 | -0.33 | -0.27 | -0.45 | -0.47 | -0.11 |
| BRK-A | 0.68 | -0.01 | -0.02 | -0.10 | -0.11 | -0.24 | -0.33 | 1.00 | 0.65 | 0.50 | 0.54 | 0.57 |
| USMV | 0.85 | -0.00 | 0.06 | 0.03 | -0.15 | -0.08 | -0.27 | 0.65 | 1.00 | 0.71 | 0.76 | 0.78 |
| QQQ | 0.90 | -0.01 | 0.03 | -0.02 | -0.13 | -0.16 | -0.45 | 0.50 | 0.71 | 1.00 | 0.97 | 0.79 |
| VUG | 0.94 | -0.01 | 0.04 | -0.02 | -0.15 | -0.16 | -0.47 | 0.54 | 0.76 | 0.97 | 1.00 | 0.80 |
| Portfolio | 0.78 | 0.01 | 0.26 | -0.02 | -0.11 | -0.00 | -0.11 | 0.57 | 0.78 | 0.79 | 0.80 | 1.00 |