Growth Portfolio
The Growth Portfolio is a diversified investment strategy that allocates assets across domestic and international equities and fixed income. With a higher emphasis on equities (80%) through VEA and VTI, the portfolio aims for capital appreciation, while the 20% allocation to bonds (BND and IGOV) provides stability and income. This portfolio suits investors seeking moderate to high growth potential while maintaining diversification and a modest fixed-income allocation for risk mitigation.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 16% |
IGOV iShares International Treasury Bond ETF | International Government Bonds | 4% |
VEA Vanguard FTSE Developed Markets ETF | Foreign Large Cap Equities | 28% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 52% |
Performance
Performance Chart
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The earliest data available for this chart is Jan 29, 2009, corresponding to the inception date of IGOV
Returns By Period
As of May 10, 2025, the Growth Portfolio returned 2.24% Year-To-Date and 8.16% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.77% | 3.72% | -5.60% | 8.55% | 14.11% | 10.45% |
| Growth Portfolio | 2.24% | 7.55% | -0.07% | 9.11% | 11.07% | 8.13% |
| Portfolio components: | ||||||
BND Vanguard Total Bond Market ETF | 2.21% | 0.98% | 1.19% | 5.53% | -0.78% | 1.51% |
VEA Vanguard FTSE Developed Markets ETF | 12.77% | 11.62% | 8.93% | 10.01% | 11.74% | 5.66% |
VTI Vanguard Total Stock Market ETF | -3.75% | 7.98% | -5.68% | 9.17% | 15.27% | 11.77% |
IGOV iShares International Treasury Bond ETF | 7.70% | 1.75% | 4.23% | 6.96% | -3.19% | -0.89% |
Monthly Returns
The table below presents the monthly returns of Growth 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 | 2.93% | 0.03% | -2.90% | 1.05% | 1.20% | 2.24% | |||||||
| 2024 | 0.12% | 3.28% | 2.89% | -3.74% | 4.11% | 1.25% | 2.34% | 2.27% | 1.64% | -2.38% | 3.83% | -2.97% | 12.96% |
| 2023 | 6.80% | -2.86% | 2.76% | 1.41% | -1.13% | 4.78% | 2.78% | -2.30% | -4.14% | -2.61% | 8.33% | 5.12% | 19.56% |
| 2022 | -4.66% | -2.27% | 1.24% | -7.58% | 0.47% | -7.27% | 6.81% | -4.27% | -8.50% | 5.76% | 7.13% | -3.86% | -17.21% |
| 2021 | -0.58% | 1.96% | 2.40% | 3.69% | 1.30% | 1.10% | 1.31% | 1.79% | -3.55% | 4.36% | -2.05% | 3.09% | 15.54% |
| 2020 | -0.52% | -6.00% | -11.54% | 9.26% | 4.57% | 2.33% | 4.16% | 5.05% | -2.47% | -2.09% | 10.39% | 4.17% | 16.21% |
| 2019 | 6.77% | 2.49% | 1.24% | 2.81% | -4.52% | 5.61% | 0.14% | -1.09% | 1.63% | 2.08% | 2.28% | 2.49% | 23.69% |
| 2018 | 3.95% | -3.60% | -0.96% | 0.36% | 1.05% | -0.09% | 2.34% | 1.38% | 0.18% | -6.45% | 1.30% | -5.89% | -6.80% |
| 2017 | 2.08% | 2.31% | 0.90% | 1.37% | 1.69% | 0.70% | 1.98% | 0.26% | 1.85% | 1.58% | 1.87% | 1.19% | 19.29% |
| 2016 | -4.27% | -0.58% | 5.90% | 1.12% | 0.72% | 0.02% | 3.38% | 0.13% | 0.61% | -2.13% | 1.30% | 1.76% | 7.89% |
| 2015 | -0.94% | 4.43% | -0.92% | 1.43% | 0.43% | -1.89% | 1.44% | -5.22% | -2.43% | 6.01% | -0.05% | -1.69% | 0.09% |
| 2014 | -2.84% | 4.32% | 0.15% | 0.66% | 1.75% | 1.72% | -1.80% | 2.42% | -2.50% | 1.42% | 1.41% | -1.06% | 5.53% |
Expense Ratio
Growth Portfolio has an expense ratio of 0.05%, 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
The current rank of Growth Portfolio is 58, indicating average performance compared to other portfolios on our website. Here’s 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 | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 1.00 | 1.45 | 1.17 | 0.42 | 2.54 |
VEA Vanguard FTSE Developed Markets ETF | 0.59 | 1.00 | 1.13 | 0.80 | 2.42 |
VTI Vanguard Total Stock Market ETF | 0.47 | 0.83 | 1.12 | 0.51 | 1.94 |
IGOV iShares International Treasury Bond ETF | 0.72 | 1.11 | 1.13 | 0.20 | 1.41 |
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Dividends
Dividend yield
Growth Portfolio provided a 2.14% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.14% | 2.21% | 2.13% | 2.10% | 1.85% | 1.67% | 2.22% | 2.46% | 2.08% | 2.28% | 2.27% | 2.44% |
| Portfolio components: | ||||||||||||
BND Vanguard Total Bond Market ETF | 3.75% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
VEA Vanguard FTSE Developed Markets ETF | 2.91% | 3.36% | 3.16% | 2.91% | 3.16% | 2.04% | 3.04% | 3.35% | 2.77% | 3.05% | 2.92% | 3.68% |
VTI Vanguard Total Stock Market ETF | 1.35% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
IGOV iShares International Treasury Bond ETF | 0.55% | 0.59% | 0.00% | 0.11% | 0.39% | 0.00% | 0.24% | 0.31% | 0.19% | 0.69% | 0.22% | 1.28% |
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 Growth 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 Growth Portfolio was 28.25%, occurring on Mar 23, 2020. Recovery took 95 trading sessions.
The current Growth Portfolio drawdown is 2.51%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -28.25% | Feb 13, 2020 | 27 | Mar 23, 2020 | 95 | Aug 6, 2020 | 122 |
| -24.95% | Nov 9, 2021 | 235 | Oct 14, 2022 | 331 | Feb 9, 2024 | 566 |
| -18.08% | Feb 10, 2009 | 19 | Mar 9, 2009 | 24 | Apr 13, 2009 | 43 |
| -17.44% | May 2, 2011 | 108 | Oct 3, 2011 | 114 | Mar 16, 2012 | 222 |
| -15.33% | Jan 29, 2018 | 229 | Dec 24, 2018 | 81 | Apr 23, 2019 | 310 |
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 4 assets, with an effective number of assets of 2.66, 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 | BND | IGOV | VEA | VTI | Portfolio | |
|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.13 | 0.13 | 0.83 | 0.99 | 0.96 |
| BND | -0.13 | 1.00 | 0.44 | -0.08 | -0.12 | -0.05 |
| IGOV | 0.13 | 0.44 | 1.00 | 0.33 | 0.13 | 0.26 |
| VEA | 0.83 | -0.08 | 0.33 | 1.00 | 0.83 | 0.93 |
| VTI | 0.99 | -0.12 | 0.13 | 0.83 | 1.00 | 0.97 |
| Portfolio | 0.96 | -0.05 | 0.26 | 0.93 | 0.97 | 1.00 |
AI Insight on Diversification
The portfolio is moderately diversified but leans toward concentration in equity positions. The high correlation of VTI (U.S. total stock market) and VEA (developed international equities) at 0.83 indicates these two equity holdings move closely together, which reduces diversification benefits within the equity allocation. Additionally, the portfolio’s correlation with VTI (0.97) and VEA (0.93) is very strong, showing that these equity positions dominate the portfolio’s overall behavior and returns.
On the other hand, bond positions BND (U.S. bonds) and IGOV (international government bonds) exhibit lower correlations with the equity ETFs and with each other, with BND having slightly negative or low positive correlations with VTI (-0.12) and VEA (-0.08), and IGOV showing moderate positive correlations with equities (0.13 with VTI and 0.33 with VEA). These lower correlations help improve diversification by providing some offset during equity market fluctuations.
However, the near-zero or slightly negative correlations of BND with the portfolio (-0.05) and its relatively low correlation with IGOV (0.44) suggest that BND plays a distinct role in reducing overall portfolio volatility. IGOV’s moderate correlation with the portfolio (0.26) indicates it contributes to diversification but less so than BND.
Overall, the portfolio is not highly concentrated in a single asset but is heavily influenced by its equity components, particularly VTI and VEA, which limits diversification benefits. The inclusion of bond ETFs adds some diversification, but the strong equity correlations suggest the portfolio’s risk and return profile is primarily equity-driven.