12-8-25 $14.7 $1.0 bonds

Asset Allocation

Position	Category/Sector	Target Weight
VWENX Vanguard Wellington Fund Admiral Shares	Diversified Portfolio	24%
VINIX Vanguard Institutional Index Fund Institutional Shares	S&P 500, Large Cap Blend Equities	18.50%
VGSH Vanguard Short-Term Treasury ETF	Government Bonds, Short-Term Bond	11.10%
VTV Vanguard Value ETF	Large Cap Value Equities	11%
VCSH Vanguard Short-Term Corporate Bond ETF	Corporate Bonds	6.80%
LSGRX Loomis Sayles Growth Fund	Large Cap Growth Equities	6.60%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	5.60%
SMH VanEck Semiconductor ETF	Semiconductors, Technology Equities	4.40%
MDFGX BlackRock Capital Appreciation Fund	Large Cap Growth Equities	4.30%
IVV iShares Core S&P 500 ETF	S&P 500	2.30%
CGDV Capital Group Dividend Value ETF	Large Cap Value Equities, Dividend	1.70%
QQQ Invesco QQQ ETF	Nasdaq-100	1.60%
VIG Vanguard Dividend Appreciation ETF	Dividend	1.30%
VOO Vanguard S&P 500 ETF	S&P 500	0.80%

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 12-8-25 $14.7 $1.0 bonds, 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

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.50%	-0.93%	8.56%	8.85%	24.33%	19.37%	11.84%	13.61%
Portfolio 12-8-25 $14.7 $1.0 bonds	0.30%	-0.05%	9.84%	10.34%	23.08%	17.77%	—	—
Portfolio components:
CGDV Capital Group Dividend Value ETF	0.66%	0.35%	11.55%	12.50%	28.33%	24.15%	—	—
IVV iShares Core S&P 500 ETF	0.55%	-0.85%	9.08%	9.43%	25.77%	20.95%	13.42%	15.47%
LSGRX Loomis Sayles Growth Fund	0.67%	-5.92%	-4.82%	-3.89%	5.03%	17.85%	11.20%	16.10%
MDFGX BlackRock Capital Appreciation Fund	2.30%	-3.72%	8.54%	10.22%	20.45%	22.77%	10.48%	16.67%
QQQ Invesco QQQ ETF	0.59%	0.22%	17.57%	17.85%	37.55%	26.43%	16.85%	21.79%
SCHD Schwab U.S. Dividend Equity ETF	0.89%	3.21%	20.66%	19.57%	26.72%	14.90%	8.75%	12.91%
SMH VanEck Semiconductor ETF	1.72%	7.20%	72.15%	75.62%	141.99%	60.05%	38.42%	37.49%
VCSH Vanguard Short-Term Corporate Bond ETF	-0.03%	0.30%	0.80%	1.22%	4.60%	5.69%	2.33%	2.70%
VGSH Vanguard Short-Term Treasury ETF	-0.03%	0.16%	0.57%	0.83%	3.36%	4.25%	1.83%	1.73%
VIG Vanguard Dividend Appreciation ETF	0.53%	2.11%	7.68%	6.99%	19.52%	15.98%	10.74%	13.24%

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

Monthly Returns

Based on dividend-adjusted daily data since Feb 24, 2022, 12-8-25 $14.7 $1.0 bonds's average daily return is +0.05%, while the average monthly return is +1.08%. At this rate, an investment would double in approximately 5.4 years.

Historically, 68% of months were positive and 32% were negative. The best month was Apr 2026 with a return of +8.1%, while the worst month was Sep 2022 at -7.4%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 12-8-25 $14.7 $1.0 bonds closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +6.8%, while the worst single day was Apr 4, 2025 at -4.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.14%	0.24%	-3.90%	8.14%	4.34%	-1.07%							9.84%
2025	2.28%	-0.68%	-3.88%	-0.68%	4.79%	4.50%	1.35%	1.90%	2.71%	1.65%	0.53%	0.36%	15.52%
2024	1.32%	3.79%	2.84%	-3.29%	3.73%	2.62%	1.47%	1.89%	1.68%	-0.94%	4.28%	-1.81%	18.70%
2023	5.30%	-2.27%	3.29%	0.97%	0.47%	4.38%	2.70%	-1.32%	-3.76%	-1.69%	7.33%	4.29%	20.82%
2022		2.54%	1.71%	-6.90%	1.02%	-6.50%	6.61%	-3.54%	-7.44%	5.79%	5.78%	-4.05%	-6.25%

Benchmark Metrics

12-8-25 $14.7 $1.0 bonds has an annualized alpha of 2.47%, beta of 0.74, and R2 of 0.98 versus S&P 500 Index. Calculated based on daily prices since February 24, 2022.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (79.25%) than losses (77.95%) - typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 2.47% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.

Alpha: 2.47%

Beta: 0.74

R²: 0.98

Upside Capture: 79.25%

Downside Capture: 77.95%

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

Expense Ratio

12-8-25 $14.7 $1.0 bonds has an expense ratio of 0.17%, 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

MDFGX

BlackRock Capital Appreciation Fund

LSGRX

Loomis Sayles Growth Fund

SMH

VanEck Semiconductor ETF

CGDV

Capital Group Dividend Value ETF

QQQ

Invesco QQQ ETF

VWENX

Vanguard Wellington Fund Admiral Shares

SCHD

Schwab U.S. Dividend Equity ETF

VTV

Vanguard Value ETF

VIG

Vanguard Dividend Appreciation ETF

VCSH

Vanguard Short-Term Corporate Bond ETF

Return for Risk

Risk / Return Rank

12-8-25 $14.7 $1.0 bonds ranks 75 for risk / return — better than 75% of Portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

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 12-8-25 $14.7 $1.0 bonds 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	2.36	1.86	+0.50
Sortino ratioReturn per unit of downside risk	3.24	2.53	+0.71
Omega ratioGain probability vs. loss probability	1.44	1.34	+0.10
Calmar ratioReturn relative to maximum drawdown	3.38	2.53	+0.85
Martin ratioReturn relative to average drawdown	15.34	11.37	+3.97

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
CGDV Capital Group Dividend Value ETF	76	2.27	3.11	1.42	2.83	13.19
IVV iShares Core S&P 500 ETF	67	2.00	2.70	1.36	2.76	12.43
LSGRX Loomis Sayles Growth Fund	6	0.38	0.64	1.08	0.37	1.08
MDFGX BlackRock Capital Appreciation Fund	17	1.05	1.47	1.19	1.14	3.80
QQQ Invesco QQQ ETF	69	2.09	2.73	1.37	3.01	11.22
SCHD Schwab U.S. Dividend Equity ETF	86	2.41	3.72	1.43	5.70	13.97
SMH VanEck Semiconductor ETF	95	4.13	4.26	1.60	9.18	33.74
VCSH Vanguard Short-Term Corporate Bond ETF	81	2.37	3.71	1.47	3.18	12.95
VGSH Vanguard Short-Term Treasury ETF	87	2.61	4.30	1.55	3.76	14.67
VIG Vanguard Dividend Appreciation ETF	58	1.80	2.61	1.32	2.32	9.34

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.

The current 12-8-25 $14.7 $1.0 bonds Sharpe ratio is 2.36 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 1.54 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 12-8-25 $14.7 $1.0 bonds 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

12-8-25 $14.7 $1.0 bonds provided a 5.23% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	5.23%	5.42%	5.51%	3.68%	5.00%	4.52%	3.89%	3.35%	4.79%	3.27%	2.60%	3.43%
Portfolio components:
CGDV Capital Group Dividend Value ETF	1.17%	1.29%	1.60%	1.65%	1.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
IVV iShares Core S&P 500 ETF	1.08%	1.17%	1.30%	1.44%	1.66%	1.20%	1.57%	1.85%	2.21%	1.75%	2.01%	2.27%
LSGRX Loomis Sayles Growth Fund	2.33%	2.22%	5.62%	6.02%	16.47%	4.73%	4.41%	2.70%	5.82%	2.41%	1.48%	0.54%
MDFGX BlackRock Capital Appreciation Fund	17.98%	19.51%	12.73%	3.59%	9.46%	12.95%	5.46%	10.67%	14.31%	12.51%	4.01%	11.22%
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%
SCHD Schwab U.S. Dividend Equity ETF	3.22%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
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%
VCSH Vanguard Short-Term Corporate Bond ETF	4.45%	4.35%	3.96%	3.09%	2.01%	1.81%	2.27%	2.87%	2.65%	2.26%	2.10%	2.08%
VGSH Vanguard Short-Term Treasury ETF	3.87%	4.00%	4.18%	3.31%	1.15%	0.66%	1.74%	2.28%	1.79%	1.10%	0.84%	0.69%
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%

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 12-8-25 $14.7 $1.0 bonds. 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 12-8-25 $14.7 $1.0 bonds was 17.94%, occurring on Oct 14, 2022. Recovery took 184 trading sessions.

The current 12-8-25 $14.7 $1.0 bonds drawdown is 1.60%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-17.94%Oct 2022	6mo 18d	9mo 1d	1y 3moMar 2022 - Jul 2023
2025 selloff2025	-13.85%Apr 2025	1mo 17d	2mo 5d	3mo 22dFeb 2025 - Jun 2025
2023 pullback2023	-7.76%Oct 2023	2mo 27d	1mo 4d	4mo 1dAug 2023 - Nov 2023
2026 pullback2026	-6.56%Mar 2026	1mo 2d	15d	1mo 17dFeb 2026 - Apr 2026
2024 pullback2024	-6.02%Aug 2024	19d	18d	1mo 7dJul 2024 - Aug 2024

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 14 assets, with an effective number of assets of 7.49, 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	All Time
Diversification Ratio	1.16	1.13	1.10

The portfolio has a diversification ratio of 1.10, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

12-8-25 $14.7 $1.0 bonds correlation to the S&P 500 Index

12-8-25 $14.7 $1.0 bonds has a 0.99 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	0.99
Correlation (3Y) Calculated over the trailing 3-year period	0.99
Correlation (All Time) Calculated using the full available price history since Feb 24, 2022	0.99

Benchmark Correlations

Correlation vs. S&P 500 Index. VINIX has the highest benchmark correlation at 1.00, while VGSH has the lowest at 0.07.

0.07

0.30

0.69

0.80

0.81

0.84

0.90

0.92

0.92

0.94

0.96

1.00

1.00

1.00

Portfolio Correlations

Correlation vs. 12-8-25 $14.7 $1.0 bonds. VOO has the highest portfolio correlation at 0.99, while VGSH has the lowest at 0.13.

0.13

0.36

0.71

0.81

0.83

0.85

0.90

0.92

0.93

0.94

0.97

0.99

0.99

0.99

Asset Correlations Table

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

	VGSH	VCSH	SCHD	SMH	VTV	LSGRX	MDFGX	VIG	QQQ	CGDV	VWENX	VINIX	IVV	VOO
VGSH	1.00	0.87	0.07	0.00	0.06	0.08	0.07	0.09	0.05	0.07	0.20	0.07	0.07	0.07
VCSH	0.87	1.00	0.26	0.20	0.28	0.28	0.28	0.32	0.27	0.30	0.45	0.31	0.31	0.31
SCHD	0.07	0.26	1.00	0.43	0.92	0.47	0.46	0.84	0.51	0.77	0.66	0.68	0.69	0.69
SMH	0.00	0.20	0.43	1.00	0.53	0.72	0.85	0.64	0.88	0.73	0.76	0.81	0.81	0.80
VTV	0.06	0.28	0.92	0.53	1.00	0.55	0.58	0.93	0.61	0.88	0.78	0.80	0.80	0.80
LSGRX	0.08	0.28	0.47	0.72	0.55	1.00	0.86	0.68	0.86	0.72	0.80	0.84	0.84	0.84
MDFGX	0.07	0.28	0.46	0.85	0.58	0.86	1.00	0.74	0.96	0.79	0.89	0.92	0.92	0.92
VIG	0.09	0.32	0.84	0.64	0.93	0.68	0.74	1.00	0.76	0.91	0.88	0.90	0.90	0.90
QQQ	0.05	0.27	0.51	0.88	0.61	0.86	0.96	0.76	1.00	0.81	0.90	0.94	0.94	0.94
CGDV	0.07	0.30	0.77	0.73	0.88	0.72	0.79	0.91	0.81	1.00	0.90	0.92	0.92	0.92
VWENX	0.20	0.45	0.66	0.76	0.78	0.80	0.89	0.88	0.90	0.90	1.00	0.96	0.96	0.96
VINIX	0.07	0.31	0.68	0.81	0.80	0.84	0.92	0.90	0.94	0.92	0.96	1.00	1.00	1.00
IVV	0.07	0.31	0.69	0.81	0.80	0.84	0.92	0.90	0.94	0.92	0.96	1.00	1.00	1.00
VOO	0.07	0.31	0.69	0.80	0.80	0.84	0.92	0.90	0.94	0.92	0.96	1.00	1.00	1.00

The correlation results are calculated based on daily price changes starting from Feb 24, 2022

Diversification Analysis

Find what 12-8-25 $14.7 $1.0 bonds is missing

See which holdings overlap, where 12-8-25 $14.7 $1.0 bonds is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification