HappyFolio1
Long-term balanced portfolio between general market, tech, and dividends.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
QQQ Invesco QQQ | Large Cap Blend Equities | 30% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 40% |
SPY SPDR S&P 500 ETF | Large Cap Growth Equities | 30% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in HappyFolio1, 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 Oct 20, 2011, corresponding to the inception date of SCHD
Returns By Period
As of Dec 31, 2024, the HappyFolio1 returned 21.52% Year-To-Date and 14.39% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.00% | -2.50% | 6.76% | 23.31% | 12.57% | 11.09% |
| HappyFolio1 | 0.00% | -2.37% | 6.56% | 23.36% | 15.65% | 14.57% |
| Portfolio components: | ||||||
SPY SPDR S&P 500 ETF | 0.00% | -2.27% | 7.35% | 27.09% | 14.56% | 13.29% |
QQQ Invesco QQQ | 0.00% | -0.08% | 5.32% | 30.21% | 20.06% | 18.64% |
SCHD Schwab US Dividend Equity ETF | 0.00% | -5.81% | 7.79% | 11.17% | 11.10% | 11.19% |
Monthly Returns
The table below presents the monthly returns of HappyFolio1, 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 1.24% | 4.20% | 2.82% | -4.33% | 4.61% | 3.76% | 1.36% | 1.81% | 1.96% | -0.56% | 5.29% | 21.52% | |
| 2023 | 6.22% | -2.01% | 4.15% | 0.34% | 1.84% | 6.03% | 3.81% | -1.52% | -4.71% | -2.66% | 8.94% | 5.54% | 28.07% |
| 2022 | -5.94% | -3.24% | 3.87% | -9.20% | 0.80% | -8.39% | 8.55% | -4.02% | -9.10% | 7.66% | 6.02% | -6.08% | -19.52% |
| 2021 | -0.44% | 2.56% | 4.78% | 4.50% | 0.74% | 2.77% | 2.03% | 3.21% | -4.79% | 6.53% | 0.00% | 3.94% | 28.53% |
| 2020 | 0.49% | -7.71% | -10.28% | 13.57% | 5.15% | 2.83% | 6.32% | 8.09% | -4.20% | -1.85% | 11.74% | 4.00% | 28.33% |
| 2019 | 7.64% | 3.45% | 2.46% | 4.28% | -7.48% | 7.30% | 1.86% | -1.62% | 2.23% | 2.68% | 3.50% | 3.04% | 32.50% |
| 2018 | 6.29% | -3.55% | -3.09% | -0.08% | 3.35% | 0.82% | 3.67% | 3.80% | 0.50% | -7.17% | 1.64% | -8.51% | -3.43% |
| 2017 | 1.98% | 3.88% | 0.76% | 1.30% | 2.38% | -0.65% | 2.59% | 0.79% | 1.51% | 3.59% | 3.10% | 1.28% | 24.88% |
| 2016 | -4.62% | -0.25% | 6.64% | -0.98% | 2.43% | 0.49% | 4.43% | 0.25% | 0.79% | -1.58% | 2.46% | 1.81% | 12.01% |
| 2015 | -2.74% | 5.98% | -2.12% | 1.20% | 1.30% | -2.66% | 2.43% | -6.05% | -1.76% | 9.54% | 0.42% | -1.40% | 3.23% |
| 2014 | -3.40% | 4.48% | 0.16% | 0.83% | 2.57% | 2.11% | -0.72% | 4.08% | -0.74% | 2.30% | 3.40% | -1.14% | 14.50% |
Expense Ratio
HappyFolio1 has an expense ratio of 0.11%, which is considered low compared to other funds. 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
The current rank of HappyFolio1 is 51, 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 | |
|---|---|---|---|---|---|
SPY SPDR S&P 500 ETF | 1.99 | 2.66 | 1.37 | 2.97 | 13.06 |
QQQ Invesco QQQ | 1.45 | 1.97 | 1.26 | 1.93 | 6.92 |
SCHD Schwab US Dividend Equity ETF | 0.98 | 1.46 | 1.17 | 1.38 | 4.48 |
Dividends
Dividend yield
HappyFolio1 provided a 1.99% dividend yield over the last twelve months.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.99% | 2.00% | 2.09% | 1.60% | 1.89% | 1.94% | 2.11% | 1.84% | 2.08% | 2.10% | 2.03% |
| Portfolio components: | |||||||||||
SPY SPDR S&P 500 ETF | 1.20% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% | 1.87% |
QQQ Invesco QQQ | 0.55% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
SCHD Schwab US Dividend Equity ETF | 3.65% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
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 HappyFolio1. 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 HappyFolio1 was 31.15%, occurring on Mar 23, 2020. Recovery took 79 trading sessions.
The current HappyFolio1 drawdown is 3.20%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -31.15% | Feb 20, 2020 | 23 | Mar 23, 2020 | 79 | Jul 15, 2020 | 102 |
| -25.62% | Dec 28, 2021 | 200 | Oct 12, 2022 | 294 | Dec 13, 2023 | 494 |
| -19.42% | Sep 21, 2018 | 65 | Dec 24, 2018 | 70 | Apr 5, 2019 | 135 |
| -12.43% | Jul 21, 2015 | 26 | Aug 25, 2015 | 45 | Oct 28, 2015 | 71 |
| -11.97% | Nov 4, 2015 | 68 | Feb 11, 2016 | 42 | Apr 13, 2016 | 110 |
Volatility
Volatility Chart
The current HappyFolio1 volatility is 4.37%, 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
| SCHD | QQQ | SPY | |
|---|---|---|---|
| SCHD | 1.00 | 0.67 | 0.86 |
| QQQ | 0.67 | 1.00 | 0.90 |
| SPY | 0.86 | 0.90 | 1.00 |