RETIREMENT 2035

Asset Allocation

Position	Category/Sector	Target Weight
BIV Vanguard Intermediate-Term Bond Index ETF	Intermediate Core Bond	4%
BLV Vanguard Long-Term Bond ETF	Long-Term Bond	3%
BNDX Vanguard Total International Bond ETF	Global Bonds	2%
BSV Vanguard Short-Term Bond Index Fund ETF Shares	Short-Term Bond	2%
DBC Invesco DB Commodity Index Tracking Fund	Commodities	1%
TIP iShares TIPS Bond ETF	Inflation-Protected Bonds	2%
VB Vanguard Small-Cap ETF	Small Cap Growth Equities	3%
VBK Vanguard Small-Cap Growth ETF	Small Cap Growth Equities	3%
VBR Vanguard Small-Cap Value ETF	Small Cap Value Equities	3%
VEA Vanguard FTSE Developed Markets ETF	Foreign Large Cap Equities	22%
VNQ Vanguard Real Estate ETF	REIT	3%
VO Vanguard Mid-Cap ETF	Mid Cap Growth Equities	4%
VOE Vanguard Mid-Cap Value ETF	Mid Cap Value Equities	5%
VOO Vanguard S&P 500 ETF	S&P 500	10%
VOT Vanguard Mid-Cap Growth ETF	Mid Cap Growth Equities	4%
VTV Vanguard Value ETF	Large Cap Value Equities	12%
VUG Vanguard Growth ETF	Large Cap Growth Equities	9%
VWO Vanguard FTSE Emerging Markets ETF	Emerging Markets Equities	8%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in RETIREMENT 2035, 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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The earliest data available for this chart is Jun 4, 2013, corresponding to the inception date of BNDX

Returns By Period

As of Apr 3, 2026, the RETIREMENT 2035 returned 0.82% Year-To-Date and 10.20% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.43%	-3.84%	-1.98%	16.08%	16.86%	10.37%	12.29%
Portfolio RETIREMENT 2035	-0.01%	-2.68%	0.82%	2.55%	17.93%	14.10%	7.70%	10.20%
Portfolio components:
VEA Vanguard FTSE Developed Markets ETF	-0.77%	-2.79%	3.65%	8.84%	30.37%	16.09%	8.76%	9.49%
VTV Vanguard Value ETF	0.16%	-3.03%	3.71%	6.74%	16.12%	14.94%	10.95%	11.89%
VOO Vanguard S&P 500 ETF	0.11%	-3.33%	-3.55%	-1.41%	17.60%	18.47%	11.96%	14.19%
VUG Vanguard Growth ETF	0.11%	-3.66%	-9.29%	-8.34%	17.67%	21.67%	11.69%	16.20%
VWO Vanguard FTSE Emerging Markets ETF	-0.72%	-2.55%	0.11%	0.38%	21.72%	13.41%	3.75%	7.73%
VOE Vanguard Mid-Cap Value ETF	0.31%	-2.67%	5.00%	7.42%	16.77%	13.97%	8.73%	10.36%
BIV Vanguard Intermediate-Term Bond Index ETF	0.23%	-1.25%	0.00%	0.66%	4.96%	3.91%	0.59%	2.04%
VO Vanguard Mid-Cap ETF	0.33%	-3.56%	0.29%	-0.79%	12.40%	13.03%	6.87%	10.86%
VOT Vanguard Mid-Cap Growth ETF	0.33%	-4.74%	-6.17%	-11.38%	5.73%	11.14%	4.37%	10.84%
BLV Vanguard Long-Term Bond ETF	0.54%	-2.18%	0.24%	-0.71%	2.16%	1.00%	-2.94%	1.25%

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

Monthly Returns

Based on dividend-adjusted daily data since Jun 5, 2013, RETIREMENT 2035's average daily return is +0.04%, while the average monthly return is +0.80%. At this rate, your investment would double in approximately 7.2 years.

Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +11.2%, while the worst month was Mar 2020 at -13.8%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 4 months.

On a daily basis, RETIREMENT 2035 closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +7.6%, while the worst single day was Mar 16, 2020 at -10.0%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.16%	2.71%	-5.54%	0.74%									0.82%
2025	3.08%	-0.01%	-2.62%	0.09%	4.45%	3.91%	0.78%	2.76%	2.54%	0.99%	0.60%	0.65%	18.43%
2024	-0.68%	3.48%	3.22%	-3.69%	3.70%	0.76%	2.95%	2.15%	2.24%	-2.16%	4.20%	-3.93%	12.43%
2023	7.29%	-3.21%	1.71%	0.89%	-1.91%	5.42%	3.23%	-2.91%	-4.13%	-3.18%	8.36%	5.59%	17.30%
2022	-4.51%	-1.94%	1.37%	-6.99%	0.38%	-7.47%	6.65%	-3.78%	-9.00%	5.71%	7.46%	-3.95%	-16.45%
2021	-0.17%	2.83%	2.51%	3.79%	1.42%	1.15%	0.69%	1.94%	-3.56%	4.49%	-2.41%	3.65%	17.22%

Benchmark Metrics

RETIREMENT 2035 has an annualized alpha of -0.05%, beta of 0.80, and R² of 0.93 versus S&P 500 Index. Calculated based on daily prices since June 05, 2013.

This portfolio participated in 87.81% of S&P 500 Index downside but only 80.87% of its upside — more exposed to losses than it benefited from rallies.

Alpha: -0.05%

Beta: 0.80

R²: 0.93

Upside Capture: 80.87%

Downside Capture: 87.81%

Expense Ratio

RETIREMENT 2035 has an expense ratio of 0.06%, 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

DBC

Invesco DB Commodity Index Tracking Fund

TIP

iShares TIPS Bond ETF

VNQ

Vanguard Real Estate ETF

VWO

Vanguard FTSE Emerging Markets ETF

VOE

Vanguard Mid-Cap Value ETF

VOT

Vanguard Mid-Cap Growth ETF

VBK

Vanguard Small-Cap Growth ETF

VBR

Vanguard Small-Cap Value ETF

BNDX

Vanguard Total International Bond ETF

Vanguard Small-Cap ETF

Return for Risk

Risk / Return Rank

RETIREMENT 2035 ranks 48 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

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

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	1.23	0.88	+0.35
Sortino ratio Return per unit of downside risk	1.80	1.37	+0.43
Omega ratio Gain probability vs. loss probability	1.27	1.21	+0.06
Calmar ratio Return relative to maximum drawdown	1.74	1.39	+0.36
Martin ratio Return relative to average drawdown	8.06	6.43	+1.62
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
VEA Vanguard FTSE Developed Markets ETF	83	1.73	2.36	1.35	2.64	10.14
VTV Vanguard Value ETF	56	1.09	1.57	1.23	1.48	6.62
VOO Vanguard S&P 500 ETF	54	0.98	1.49	1.23	1.53	7.13
VUG Vanguard Growth ETF	38	0.78	1.27	1.18	1.13	3.90
VWO Vanguard FTSE Emerging Markets ETF	62	1.22	1.74	1.25	1.78	6.68
VOE Vanguard Mid-Cap Value ETF	53	1.02	1.50	1.21	1.43	6.59
BIV Vanguard Intermediate-Term Bond Index ETF	54	1.10	1.58	1.19	1.72	5.46
VO Vanguard Mid-Cap ETF	36	0.71	1.10	1.16	1.06	4.79
VOT Vanguard Mid-Cap Growth ETF	19	0.27	0.54	1.07	0.43	1.32
BLV Vanguard Long-Term Bond ETF	16	0.22	0.36	1.05	0.33	0.79

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.

RETIREMENT 2035 Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 1.23
5-Year: 0.56
10-Year: 0.69
All Time: 0.65

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 0.98 to 1.66, 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 RETIREMENT 2035 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

RETIREMENT 2035 provided a 2.23% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.23%	2.32%	2.42%	2.41%	2.38%	2.08%	1.92%	2.30%	2.55%	2.11%	2.29%	2.31%
Portfolio components:
VEA Vanguard FTSE Developed Markets ETF	2.90%	3.22%	3.35%	3.15%	2.91%	3.16%	2.04%	3.04%	3.35%	2.77%	3.05%	2.92%
VTV Vanguard Value ETF	2.02%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%
VOO Vanguard S&P 500 ETF	1.18%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%
VUG Vanguard Growth ETF	0.45%	0.41%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%
VWO Vanguard FTSE Emerging Markets ETF	2.70%	2.79%	3.20%	3.52%	4.11%	2.63%	1.91%	3.23%	2.88%	2.30%	2.52%	3.26%
VOE Vanguard Mid-Cap Value ETF	1.98%	2.10%	2.11%	2.27%	2.27%	1.78%	2.36%	2.05%	2.75%	1.86%	1.92%	2.05%
BIV Vanguard Intermediate-Term Bond Index ETF	4.13%	4.01%	3.79%	3.09%	2.41%	3.42%	2.95%	2.75%	2.88%	2.69%	3.01%	3.02%
VO Vanguard Mid-Cap ETF	1.49%	1.52%	1.49%	1.52%	1.60%	1.12%	1.45%	1.48%	1.82%	1.35%	1.45%	1.47%
VOT Vanguard Mid-Cap Growth ETF	0.71%	0.64%	0.67%	0.71%	0.78%	0.34%	0.56%	0.78%	0.84%	0.72%	0.81%	0.81%
BLV Vanguard Long-Term Bond ETF	4.74%	4.67%	5.09%	4.06%	4.17%	3.37%	6.12%	3.57%	4.07%	3.63%	4.16%	4.37%

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 RETIREMENT 2035. 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 RETIREMENT 2035 was 31.38%, occurring on Mar 23, 2020. Recovery took 109 trading sessions.

The current RETIREMENT 2035 drawdown is 5.07%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-31.38%	Feb 13, 2020	27	Mar 23, 2020	109	Aug 26, 2020	136
-24.37%	Nov 9, 2021	235	Oct 14, 2022	345	Mar 1, 2024	580
-16.69%	Jan 29, 2018	229	Dec 24, 2018	81	Apr 23, 2019	310
-16.58%	May 22, 2015	183	Feb 11, 2016	124	Aug 9, 2016	307
-13.84%	Feb 19, 2025	35	Apr 8, 2025	27	May 16, 2025	62

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 18 assets, with an effective number of assets of 9.96, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

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

	Benchmark	BNDX	TIP	BSV	BLV	BIV	DBC	VWO	VNQ	VUG	VEA	VBK	VTV	VBR	VOT	VOE	VB	VOO	VO	Portfolio
Benchmark	1.00	0.01	-0.00	-0.05	-0.02	-0.03	0.27	0.68	0.58	0.94	0.80	0.85	0.87	0.81	0.90	0.84	0.86	1.00	0.92	0.94
BNDX	0.01	1.00	0.58	0.62	0.70	0.71	-0.10	0.01	0.19	0.03	0.03	0.03	-0.03	-0.03	0.04	-0.02	0.00	0.01	0.02	0.06
TIP	-0.00	0.58	1.00	0.70	0.76	0.80	0.08	0.04	0.21	0.02	0.06	0.03	-0.03	-0.01	0.03	0.00	0.00	-0.00	0.02	0.08
BSV	-0.05	0.62	0.70	1.00	0.70	0.87	-0.07	-0.00	0.20	-0.03	0.03	-0.02	-0.08	-0.06	-0.01	-0.05	-0.05	-0.05	-0.03	0.03
BLV	-0.02	0.70	0.76	0.70	1.00	0.89	-0.09	0.01	0.21	0.02	0.02	0.02	-0.06	-0.05	0.03	-0.03	-0.02	-0.02	0.00	0.05
BIV	-0.03	0.71	0.80	0.87	0.89	1.00	-0.08	0.01	0.22	-0.00	0.03	0.00	-0.07	-0.06	0.01	-0.04	-0.03	-0.03	-0.01	0.05
DBC	0.27	-0.10	0.08	-0.07	-0.09	-0.08	1.00	0.34	0.12	0.22	0.33	0.26	0.30	0.30	0.24	0.30	0.29	0.27	0.28	0.33
VWO	0.68	0.01	0.04	-0.00	0.01	0.01	0.34	1.00	0.41	0.64	0.79	0.63	0.61	0.60	0.64	0.61	0.63	0.68	0.66	0.79
VNQ	0.58	0.19	0.21	0.20	0.21	0.22	0.12	0.41	1.00	0.50	0.53	0.58	0.62	0.63	0.59	0.67	0.63	0.59	0.66	0.65
VUG	0.94	0.03	0.02	-0.03	0.02	-0.00	0.22	0.64	0.50	1.00	0.73	0.83	0.69	0.68	0.89	0.68	0.77	0.94	0.83	0.86
VEA	0.80	0.03	0.06	0.03	0.02	0.03	0.33	0.79	0.53	0.73	1.00	0.73	0.77	0.74	0.74	0.76	0.76	0.80	0.79	0.91
VBK	0.85	0.03	0.03	-0.02	0.02	0.00	0.26	0.63	0.58	0.83	0.73	1.00	0.75	0.86	0.94	0.82	0.95	0.85	0.92	0.89
VTV	0.87	-0.03	-0.03	-0.08	-0.06	-0.07	0.30	0.61	0.62	0.69	0.77	0.75	1.00	0.88	0.76	0.94	0.85	0.87	0.88	0.89
VBR	0.81	-0.03	-0.01	-0.06	-0.05	-0.06	0.30	0.60	0.63	0.68	0.74	0.86	0.88	1.00	0.80	0.95	0.97	0.81	0.91	0.88
VOT	0.90	0.04	0.03	-0.01	0.03	0.01	0.24	0.64	0.59	0.89	0.74	0.94	0.76	0.80	1.00	0.80	0.89	0.90	0.95	0.90
VOE	0.84	-0.02	0.00	-0.05	-0.03	-0.04	0.30	0.61	0.67	0.68	0.76	0.82	0.94	0.95	0.80	1.00	0.91	0.84	0.93	0.89
VB	0.86	0.00	0.00	-0.05	-0.02	-0.03	0.29	0.63	0.63	0.77	0.76	0.95	0.85	0.97	0.89	0.91	1.00	0.86	0.95	0.91
VOO	1.00	0.01	-0.00	-0.05	-0.02	-0.03	0.27	0.68	0.59	0.94	0.80	0.85	0.87	0.81	0.90	0.84	0.86	1.00	0.92	0.94
VO	0.92	0.02	0.02	-0.03	0.00	-0.01	0.28	0.66	0.66	0.83	0.79	0.92	0.88	0.91	0.95	0.93	0.95	0.92	1.00	0.95
Portfolio	0.94	0.06	0.08	0.03	0.05	0.05	0.33	0.79	0.65	0.86	0.91	0.89	0.89	0.88	0.90	0.89	0.91	0.94	0.95	1.00

The correlation results are calculated based on daily price changes starting from Jun 5, 2013

RETIREMENT 2035

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table