Retirement Target ETF Only 35/35/25/5 - 2025

Asset Allocation

Position	Category/Sector	Target Weight
AOR iShares Core Growth Allocation ETF	Diversified Portfolio	15%
AVDV Avantis International Small Cap Value ETF	Foreign Small & Mid Cap Equities	0.90%
BIL SPDR Barclays 1-3 Month T-Bill ETF	Government Bonds	5%
BND Vanguard Total Bond Market ETF	Total Bond Market	5%
BSV Vanguard Short-Term Bond Index Fund ETF Shares	Short-Term Bond	5%
BTC-USD Bitcoin		2.50%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	Large Cap Value Equities, Dividend	0%
DBMF iM DBi Managed Futures Strategy ETF	Hedge Fund, Actively Managed	5%
DODGX Dodge & Cox Stock Fund Class I	Large Cap Value Equities	0%
EDIV SPDR S&P Emerging Markets Dividend ETF	Emerging Markets Equities, Dividend	0.40%
EMXC iShares MSCI Emerging Markets ex China ETF	Emerging Markets Equities	0.40%
EPI WisdomTree India Earnings Fund	Asia Pacific Equities	0.40%
FISMX Fidelity International Small Cap Fund	Foreign Small & Mid Cap Equities	0%
GLDM SPDR Gold MiniShares Trust	Precious Metals, Gold	5%
GRID First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index	Alternative Energy Equities	0.20%
JAAA Janus Henderson AAA CLO ETF	CLO	8.25%
JMSIX JPMorgan Income Fund	Multisector Bonds	5%
MALOX BlackRock Global Allocation Fund	Global Allocation	0%
QDSNX AQR Diversifying Strategies Fund Class N	Tactical Allocation	5%
RLY SPDR SSgA Multi-Asset Real Return ETF	Hedge Fund, Actively Managed	10%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	2.25%
SPGP Invesco S&P 500 GARP ETF	S&P 500	0.40%
SPMO Invesco S&P 500 Momentum ETF	S&P 500	0.40%
VBR Vanguard Small-Cap Value ETF	Small Cap Value Equities	0.40%
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares	Total Bond Market	0%
VEXAX Vanguard Extended Market Index Fund Admiral Shares	Mid Cap Blend Equities	0.40%
VIG Vanguard Dividend Appreciation ETF	Dividend	1.35%
VOO Vanguard S&P 500 ETF	S&P 500	1.80%
VT Vanguard Total World Stock ETF	Global Equities	10.25%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	Inflation-Protected Bonds	5%
VTV Vanguard Value ETF	Large Cap Value Equities	3.90%
VTWAX Vanguard Total World Stock Index Fund Admiral Shares	Large Cap Growth Equities	0%
XMMO Invesco S&P MidCap Momentum ETF	Mid Cap Growth Equities	0.40%
XSMO Invesco S&P SmallCap Momentum ETF	Small Cap Growth Equities	0.40%

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 Target ETF Only 35/35/25/5 - 2025, 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.

Loading graphics...

The earliest data available for this chart is Oct 19, 2020, corresponding to the inception date of JAAA

Returns By Period

	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 Target ETF Only 35/35/25/5 - 2025	-0.06%	-1.38%	2.47%	4.43%	15.48%	12.85%	8.41%	—
Portfolio components:
VTWAX Vanguard Total World Stock Index Fund Admiral Shares	1.06%	-2.99%	-0.86%	1.64%	21.46%	17.17%	9.40%	—
MALOX BlackRock Global Allocation Fund	0.90%	-2.94%	-1.32%	1.48%	17.23%	11.83%	4.89%	7.77%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	0.16%	-2.85%	3.44%	6.49%	16.67%	15.24%	10.83%	12.33%
DODGX Dodge & Cox Stock Fund Class I	0.25%	-3.79%	-1.41%	0.98%	7.46%	14.05%	9.43%	12.58%
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-2.44%	12.35%	13.88%	13.89%	11.70%	8.35%	12.30%
VIG Vanguard Dividend Appreciation ETF	0.16%	-3.69%	-1.33%	0.36%	12.71%	13.72%	9.86%	12.36%
EDIV SPDR S&P Emerging Markets Dividend ETF	-0.35%	-3.07%	1.51%	3.14%	15.24%	19.93%	10.57%	8.51%
EMXC iShares MSCI Emerging Markets ex China ETF	-1.38%	-3.57%	7.91%	16.97%	45.62%	19.44%	8.13%	—
EPI WisdomTree India Earnings Fund	0.02%	-6.10%	-11.90%	-8.09%	-7.13%	8.88%	6.71%	9.16%
SPGP Invesco S&P 500 GARP ETF	0.02%	-4.85%	-4.83%	-5.16%	7.75%	9.47%	6.81%	13.80%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 20, 2020, Retirement Target ETF Only 35/35/25/5 - 2025's average daily return is +0.03%, while the average monthly return is +0.87%. At this rate, your investment would double in approximately 6.7 years.

Historically, 69% of months were positive and 31% were negative. The best month was Nov 2020 with a return of +6.5%, while the worst month was Jun 2022 at -4.9%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Retirement Target ETF Only 35/35/25/5 - 2025 closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +3.5%, while the worst single day was Apr 4, 2025 at -2.8%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.81%	2.43%	-2.98%	0.29%									2.47%
2025	2.32%	0.00%	-0.31%	0.31%	2.39%	2.37%	0.57%	2.02%	2.49%	0.98%	0.74%	0.58%	15.39%
2024	0.17%	2.77%	3.53%	-1.46%	2.44%	0.30%	1.75%	0.90%	1.72%	-0.87%	2.94%	-2.12%	12.56%
2023	4.51%	-1.98%	1.77%	0.91%	-1.75%	2.93%	2.05%	-1.28%	-1.44%	-0.37%	4.13%	3.11%	12.98%
2022	-1.65%	0.30%	1.58%	-2.82%	0.21%	-4.88%	3.21%	-2.28%	-4.68%	3.49%	3.55%	-1.84%	-6.11%
2021	0.22%	2.70%	2.86%	2.17%	0.91%	-0.33%	1.20%	1.01%	-1.88%	3.50%	-1.79%	1.76%	12.87%

Benchmark Metrics

Retirement Target ETF Only 35/35/25/5 - 2025 has an annualized alpha of 4.94%, beta of 0.40, and R² of 0.78 versus S&P 500 Index. Calculated based on daily prices since October 20, 2020.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (49.75%) than losses (41.48%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 4.94% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.40 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 4.94%

Beta: 0.40

R²: 0.78

Upside Capture: 49.75%

Downside Capture: 41.48%

Expense Ratio

Retirement Target ETF Only 35/35/25/5 - 2025 has an expense ratio of 0.38%, 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.

Top 10 holdings

QDSNX

AQR Diversifying Strategies Fund Class N

FISMX

Fidelity International Small Cap Fund

DBMF

iM DBi Managed Futures Strategy ETF

EPI

WisdomTree India Earnings Fund

MALOX

BlackRock Global Allocation Fund

GRID

First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index

CDDYX

Columbia Dividend Income Fund Institutional 3 Class

DODGX

Dodge & Cox Stock Fund Class I

RLY

SPDR SSgA Multi-Asset Real Return ETF

EDIV

SPDR S&P Emerging Markets Dividend ETF

Return for Risk

Risk / Return Rank

Retirement Target ETF Only 35/35/25/5 - 2025 ranks 84 for risk / return — in the top 84% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

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	1.89	0.88	+1.01
Sortino ratio Return per unit of downside risk	2.66	1.37	+1.29
Omega ratio Gain probability vs. loss probability	1.39	1.21	+0.18
Calmar ratio Return relative to maximum drawdown	3.04	1.39	+1.65
Martin ratio Return relative to average drawdown	10.86	6.43	+4.42
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
VTWAX Vanguard Total World Stock Index Fund Admiral Shares	70	1.33	1.92	1.29	1.93	8.84
MALOX BlackRock Global Allocation Fund	80	1.61	2.31	1.32	2.18	9.32
CDDYX Columbia Dividend Income Fund Institutional 3 Class	61	1.26	1.79	1.28	1.66	7.66
DODGX Dodge & Cox Stock Fund Class I	15	0.51	0.80	1.12	0.67	2.79
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
VIG Vanguard Dividend Appreciation ETF	43	0.84	1.28	1.19	1.24	5.41
EDIV SPDR S&P Emerging Markets Dividend ETF	53	1.11	1.58	1.23	1.47	5.23
EMXC iShares MSCI Emerging Markets ex China ETF	91	2.22	2.88	1.42	3.19	13.03
EPI WisdomTree India Earnings Fund	5	-0.44	-0.53	0.94	-0.37	-1.13
SPGP Invesco S&P 500 GARP ETF	22	0.36	0.67	1.09	0.59	2.34

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.

Retirement Target ETF Only 35/35/25/5 - 2025 Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 1.89
5-Year: 1.12
All Time: 1.43

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 1.01 to 1.70, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of Retirement Target ETF Only 35/35/25/5 - 2025 compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Loading graphics...

Dividends

Dividend yield

Retirement Target ETF Only 35/35/25/5 - 2025 provided a 2.99% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.99%	3.10%	3.08%	3.37%	3.33%	3.44%	1.64%	2.43%	1.93%	1.92%	1.32%	1.24%
Portfolio components:
VTWAX Vanguard Total World Stock Index Fund Admiral Shares	1.78%	1.80%	1.92%	2.06%	2.17%	1.79%	1.64%	2.28%	0.00%	0.00%	0.00%	0.00%
MALOX BlackRock Global Allocation Fund	9.34%	9.22%	7.68%	1.54%	6.01%	10.32%	10.15%	5.68%	5.50%	4.81%	2.10%	9.86%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	5.20%	5.33%	5.99%	4.96%	3.90%	2.93%	1.85%	3.28%	7.65%	4.03%	3.84%	8.35%
DODGX Dodge & Cox Stock Fund Class I	9.86%	9.86%	8.20%	3.76%	5.47%	3.22%	6.74%	10.23%	9.69%	6.78%	6.26%	5.36%
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
VIG Vanguard Dividend Appreciation ETF	1.60%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
EDIV SPDR S&P Emerging Markets Dividend ETF	4.72%	4.69%	3.94%	4.26%	4.94%	3.84%	3.52%	3.83%	3.41%	2.99%	4.94%	5.33%
EMXC iShares MSCI Emerging Markets ex China ETF	2.61%	2.82%	2.69%	1.83%	2.85%	1.78%	1.45%	3.25%	2.63%	0.99%	0.00%	0.00%
EPI WisdomTree India Earnings Fund	0.00%	0.00%	0.27%	0.15%	6.01%	1.18%	0.78%	1.17%	1.18%	0.85%	1.05%	1.20%
SPGP Invesco S&P 500 GARP ETF	0.98%	1.04%	1.38%	1.24%	1.22%	0.69%	1.10%	0.86%	0.95%	0.68%	0.89%	1.12%

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.

Loading graphics...

Worst Drawdowns

The table below displays the maximum drawdowns of the Retirement Target ETF Only 35/35/25/5 - 2025. 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 Target ETF Only 35/35/25/5 - 2025 was 12.05%, occurring on Oct 2, 2022. Recovery took 290 trading sessions.

The current Retirement Target ETF Only 35/35/25/5 - 2025 drawdown is 2.63%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-12.05%	Nov 9, 2021	328	Oct 2, 2022	290	Jul 19, 2023	618
-7.05%	Feb 21, 2025	47	Apr 8, 2025	34	May 12, 2025	81
-4.23%	Mar 1, 2026	29	Mar 29, 2026	—	—	—
-3.97%	Jul 17, 2024	20	Aug 5, 2024	18	Aug 23, 2024	38
-3.88%	Aug 1, 2023	66	Oct 5, 2023	43	Nov 17, 2023	109

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.

Loading graphics...

Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 34 assets, with an effective number of assets of 13.66, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

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	BIL	JAAA	DBMF	QDSNX	VBTIX	GLDM	BSV	VTIP	BND	BTC-USD	JMSIX	EPI	EDIV	RLY	SPMO	SCHD	EMXC	XSMO	FISMX	XMMO	AVDV	VTV	DODGX	VBR	GRID	VEXAX	CDDYX	SPGP	VIG	VOO	MALOX	AOR	VTWAX	VT	Portfolio
Benchmark	1.00	-0.01	0.12	0.16	0.16	0.11	0.12	0.12	0.15	0.16	0.35	0.26	0.51	0.54	0.55	0.85	0.71	0.71	0.76	0.68	0.79	0.68	0.80	0.82	0.78	0.84	0.85	0.85	0.88	0.90	1.00	0.89	0.91	0.96	0.96	0.85
BIL	-0.01	1.00	0.25	0.00	0.05	0.03	0.05	0.09	0.04	0.05	0.03	0.03	0.04	0.02	0.05	0.04	0.01	0.03	0.00	0.01	0.03	0.04	0.00	0.00	0.01	0.04	0.02	0.02	0.02	0.03	0.04	0.03	0.04	0.04	0.04	0.05
JAAA	0.12	0.25	1.00	0.02	0.10	0.02	0.05	0.05	0.03	0.02	0.04	0.05	0.10	0.10	0.11	0.13	0.10	0.10	0.11	0.11	0.12	0.11	0.13	0.10	0.11	0.11	0.12	0.13	0.13	0.14	0.13	0.11	0.12	0.13	0.13	0.13
DBMF	0.16	0.00	0.02	1.00	0.39	-0.30	0.09	-0.27	-0.10	-0.29	0.09	-0.22	0.10	0.12	0.25	0.17	0.11	0.18	0.15	0.14	0.16	0.20	0.15	0.16	0.15	0.16	0.14	0.16	0.15	0.15	0.18	0.16	0.12	0.19	0.19	0.25
QDSNX	0.16	0.05	0.10	0.39	1.00	-0.09	0.09	-0.06	0.08	-0.06	0.04	-0.05	0.14	0.21	0.34	0.23	0.19	0.25	0.20	0.22	0.23	0.28	0.24	0.23	0.19	0.19	0.09	0.21	0.17	0.17	0.18	0.23	0.18	0.20	0.20	0.29
VBTIX	0.11	0.03	0.02	-0.30	-0.09	1.00	0.29	0.82	0.53	0.95	0.02	0.64	0.07	0.08	0.07	0.06	0.07	0.10	0.08	0.16	0.10	0.12	0.07	0.03	0.07	0.12	0.12	0.10	0.09	0.14	0.10	0.21	0.27	0.12	0.12	0.19
GLDM	0.12	0.05	0.05	0.09	0.09	0.29	1.00	0.32	0.33	0.29	0.08	0.27	0.20	0.28	0.40	0.10	0.12	0.31	0.10	0.31	0.12	0.35	0.14	0.11	0.11	0.18	0.12	0.13	0.10	0.12	0.11	0.28	0.24	0.19	0.20	0.36
BSV	0.12	0.09	0.05	-0.27	-0.06	0.82	0.32	1.00	0.62	0.83	0.01	0.65	0.09	0.13	0.11	0.06	0.09	0.13	0.07	0.20	0.08	0.16	0.08	0.05	0.08	0.11	0.11	0.11	0.10	0.14	0.12	0.24	0.27	0.14	0.14	0.21
VTIP	0.15	0.04	0.03	-0.10	0.08	0.53	0.33	0.62	1.00	0.53	0.02	0.54	0.11	0.13	0.29	0.09	0.17	0.15	0.12	0.23	0.13	0.23	0.16	0.14	0.15	0.14	0.15	0.18	0.15	0.16	0.15	0.26	0.25	0.17	0.17	0.28
BND	0.16	0.05	0.02	-0.29	-0.06	0.95	0.29	0.83	0.53	1.00	0.04	0.58	0.09	0.12	0.10	0.10	0.10	0.13	0.11	0.19	0.12	0.15	0.11	0.07	0.11	0.15	0.16	0.14	0.13	0.17	0.14	0.25	0.31	0.16	0.16	0.22
BTC-USD	0.35	0.03	0.04	0.09	0.04	0.02	0.08	0.01	0.02	0.04	1.00	0.11	0.19	0.23	0.22	0.26	0.21	0.28	0.28	0.24	0.28	0.25	0.23	0.25	0.27	0.31	0.33	0.23	0.28	0.24	0.30	0.30	0.29	0.31	0.31	0.53
JMSIX	0.26	0.03	0.05	-0.22	-0.05	0.64	0.27	0.65	0.54	0.58	0.11	1.00	0.22	0.22	0.22	0.17	0.22	0.28	0.23	0.37	0.23	0.32	0.24	0.23	0.25	0.26	0.28	0.23	0.23	0.25	0.24	0.38	0.39	0.29	0.29	0.34
EPI	0.51	0.04	0.10	0.10	0.14	0.07	0.20	0.09	0.11	0.09	0.19	0.22	1.00	0.45	0.40	0.40	0.39	0.62	0.41	0.52	0.41	0.53	0.43	0.45	0.42	0.46	0.43	0.43	0.44	0.44	0.47	0.52	0.52	0.52	0.52	0.50
EDIV	0.54	0.02	0.10	0.12	0.21	0.08	0.28	0.13	0.13	0.12	0.23	0.22	0.45	1.00	0.51	0.42	0.41	0.72	0.42	0.64	0.43	0.63	0.45	0.47	0.45	0.53	0.48	0.45	0.47	0.45	0.49	0.60	0.60	0.61	0.61	0.59
RLY	0.55	0.05	0.11	0.25	0.34	0.07	0.40	0.11	0.29	0.10	0.22	0.22	0.40	0.51	1.00	0.45	0.62	0.58	0.56	0.60	0.54	0.70	0.64	0.63	0.63	0.54	0.54	0.60	0.58	0.52	0.51	0.61	0.57	0.61	0.61	0.74
SPMO	0.85	0.04	0.13	0.17	0.23	0.06	0.10	0.06	0.09	0.10	0.26	0.17	0.40	0.42	0.45	1.00	0.49	0.58	0.65	0.52	0.74	0.53	0.60	0.59	0.57	0.69	0.66	0.66	0.66	0.70	0.80	0.72	0.71	0.76	0.76	0.65
SCHD	0.71	0.01	0.10	0.11	0.19	0.07	0.12	0.09	0.17	0.10	0.21	0.22	0.39	0.41	0.62	0.49	1.00	0.48	0.63	0.54	0.61	0.60	0.90	0.82	0.80	0.58	0.64	0.87	0.74	0.79	0.66	0.61	0.64	0.67	0.68	0.68
EMXC	0.71	0.03	0.10	0.18	0.25	0.10	0.31	0.13	0.15	0.13	0.28	0.28	0.62	0.72	0.58	0.58	0.48	1.00	0.56	0.74	0.58	0.73	0.55	0.58	0.58	0.69	0.62	0.55	0.59	0.56	0.66	0.76	0.75	0.77	0.77	0.73
XSMO	0.76	0.00	0.11	0.15	0.20	0.08	0.10	0.07	0.12	0.11	0.28	0.23	0.41	0.42	0.56	0.65	0.63	0.56	1.00	0.58	0.86	0.61	0.69	0.72	0.84	0.73	0.85	0.70	0.76	0.68	0.69	0.70	0.70	0.73	0.73	0.71
FISMX	0.68	0.01	0.11	0.14	0.22	0.16	0.31	0.20	0.23	0.19	0.24	0.37	0.52	0.64	0.60	0.52	0.54	0.74	0.58	1.00	0.59	0.88	0.59	0.63	0.63	0.71	0.63	0.59	0.61	0.59	0.62	0.77	0.76	0.76	0.76	0.73
XMMO	0.79	0.03	0.12	0.16	0.23	0.10	0.12	0.08	0.13	0.12	0.28	0.23	0.41	0.43	0.54	0.74	0.61	0.58	0.86	0.59	1.00	0.61	0.69	0.70	0.80	0.77	0.84	0.71	0.75	0.71	0.74	0.75	0.73	0.77	0.77	0.72
AVDV	0.68	0.04	0.11	0.20	0.28	0.12	0.35	0.16	0.23	0.15	0.25	0.32	0.53	0.63	0.70	0.53	0.60	0.73	0.61	0.88	0.61	1.00	0.64	0.67	0.67	0.72	0.65	0.63	0.64	0.62	0.63	0.77	0.76	0.77	0.78	0.78
VTV	0.80	0.00	0.13	0.15	0.24	0.07	0.14	0.08	0.16	0.11	0.23	0.24	0.43	0.45	0.64	0.60	0.90	0.55	0.69	0.59	0.69	0.64	1.00	0.89	0.84	0.67	0.70	0.93	0.79	0.87	0.74	0.70	0.71	0.75	0.76	0.74
DODGX	0.82	0.00	0.10	0.16	0.23	0.03	0.11	0.05	0.14	0.07	0.25	0.23	0.45	0.47	0.63	0.59	0.82	0.58	0.72	0.63	0.70	0.67	0.89	1.00	0.86	0.69	0.75	0.84	0.80	0.79	0.76	0.73	0.74	0.79	0.79	0.75
VBR	0.78	0.01	0.11	0.15	0.19	0.07	0.11	0.08	0.15	0.11	0.27	0.25	0.42	0.45	0.63	0.57	0.80	0.58	0.84	0.63	0.80	0.67	0.84	0.86	1.00	0.73	0.85	0.79	0.83	0.76	0.72	0.72	0.73	0.77	0.77	0.75
GRID	0.84	0.04	0.11	0.16	0.19	0.12	0.18	0.11	0.14	0.15	0.31	0.26	0.46	0.53	0.54	0.69	0.58	0.69	0.73	0.71	0.77	0.72	0.67	0.69	0.73	1.00	0.78	0.69	0.74	0.72	0.79	0.82	0.82	0.84	0.84	0.76
VEXAX	0.85	0.02	0.12	0.14	0.09	0.12	0.12	0.11	0.15	0.16	0.33	0.28	0.43	0.48	0.54	0.66	0.64	0.62	0.85	0.63	0.84	0.65	0.70	0.75	0.85	0.78	1.00	0.70	0.82	0.72	0.79	0.79	0.79	0.83	0.83	0.76
CDDYX	0.85	0.02	0.13	0.16	0.21	0.10	0.13	0.11	0.18	0.14	0.23	0.23	0.43	0.45	0.60	0.66	0.87	0.55	0.70	0.59	0.71	0.63	0.93	0.84	0.79	0.69	0.70	1.00	0.81	0.93	0.80	0.72	0.75	0.79	0.79	0.75
SPGP	0.88	0.02	0.13	0.15	0.17	0.09	0.10	0.10	0.15	0.13	0.28	0.23	0.44	0.47	0.58	0.66	0.74	0.59	0.76	0.61	0.75	0.64	0.79	0.80	0.83	0.74	0.82	0.81	1.00	0.82	0.83	0.77	0.78	0.83	0.83	0.75
VIG	0.90	0.03	0.14	0.15	0.17	0.14	0.12	0.14	0.16	0.17	0.24	0.25	0.44	0.45	0.52	0.70	0.79	0.56	0.68	0.59	0.71	0.62	0.87	0.79	0.76	0.72	0.72	0.93	0.82	1.00	0.86	0.76	0.79	0.82	0.83	0.74
VOO	1.00	0.04	0.13	0.18	0.18	0.10	0.11	0.12	0.15	0.14	0.30	0.24	0.47	0.49	0.51	0.80	0.66	0.66	0.69	0.62	0.74	0.63	0.74	0.76	0.72	0.79	0.79	0.80	0.83	0.86	1.00	0.85	0.87	0.93	0.92	0.78
MALOX	0.89	0.03	0.11	0.16	0.23	0.21	0.28	0.24	0.26	0.25	0.30	0.38	0.52	0.60	0.61	0.72	0.61	0.76	0.70	0.77	0.75	0.77	0.70	0.73	0.72	0.82	0.79	0.72	0.77	0.76	0.85	1.00	0.90	0.92	0.92	0.85
AOR	0.91	0.04	0.12	0.12	0.18	0.27	0.24	0.27	0.25	0.31	0.29	0.39	0.52	0.60	0.57	0.71	0.64	0.75	0.70	0.76	0.73	0.76	0.71	0.74	0.73	0.82	0.79	0.75	0.78	0.79	0.87	0.90	1.00	0.93	0.93	0.84
VTWAX	0.96	0.04	0.13	0.19	0.20	0.12	0.19	0.14	0.17	0.16	0.31	0.29	0.52	0.61	0.61	0.76	0.67	0.77	0.73	0.76	0.77	0.77	0.75	0.79	0.77	0.84	0.83	0.79	0.83	0.82	0.93	0.92	0.93	1.00	0.99	0.85
VT	0.96	0.04	0.13	0.19	0.20	0.12	0.20	0.14	0.17	0.16	0.31	0.29	0.52	0.61	0.61	0.76	0.68	0.77	0.73	0.76	0.77	0.78	0.76	0.79	0.77	0.84	0.83	0.79	0.83	0.83	0.92	0.92	0.93	0.99	1.00	0.85
Portfolio	0.85	0.05	0.13	0.25	0.29	0.19	0.36	0.21	0.28	0.22	0.53	0.34	0.50	0.59	0.74	0.65	0.68	0.73	0.71	0.73	0.72	0.78	0.74	0.75	0.75	0.76	0.76	0.75	0.75	0.74	0.78	0.85	0.84	0.85	0.85	1.00

The correlation results are calculated based on daily price changes starting from Oct 20, 2020

Retirement Target ETF Only 35/35/25/5 - 2025

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