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

Asset Allocation

Position	Category/Sector	Target Weight
AOR iShares Core 60/40 Balanced Allocation ETF	Diversified Portfolio	15%
VT Vanguard Total World Stock ETF	Global Equities	10.25%
RLY SPDR SSgA Multi-Asset Real Return ETF	Hedge Fund	10%
JAAA Janus Henderson AAA CLO ETF	CLO	8.25%
DBMF iMGP DBi Managed Futures Strategy ETF	Systematic Trend	5%
BSV Vanguard Short-Term Bond Index Fund ETF Shares	Short-Term Bond	5%
JMSIX JPMorgan Income Fund	Multisector Bonds	5%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	Inflation-Protected Bonds	5%
BND Vanguard Total Bond Market ETF	Total Bond Market	5%
BIL SPDR Bloomberg 1-3 Month T-Bill ETF	Government Bonds, Ultrashort Bond	5%
GLDM SPDR Gold MiniShares Trust	Gold, Precious Metals	5%
QDSNX AQR Diversifying Strategies Fund Class N	Tactical Allocation	5%
VTV Vanguard Value ETF	Large Cap Value Equities	3.90%
BTC-USD Bitcoin		2.50%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	2.25%
VOO Vanguard S&P 500 ETF	S&P 500	1.80%
VIG Vanguard Dividend Appreciation ETF	Dividend	1.35%
AVDV Avantis International Small Cap Value ETF	Foreign Small & Mid Cap Equities	0.90%
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%
SPGP Invesco S&P 500 GARP ETF	Multi-factor, S&P 500	0.40%
SPMO Invesco S&P 500 Momentum ETF	Momentum, S&P 500	0.40%
VEXAX Vanguard Extended Market Index Fund Admiral Shares	Mid Cap Blend Equities	0.40%
VBR Vanguard Small-Cap Value ETF	Small Cap Value Equities	0.40%
XMMO Invesco S&P MidCap Momentum ETF	Momentum, Mid Cap Growth Equities	0.40%
XSMO Invesco S&P SmallCap Momentum ETF	Momentum, Small Cap Growth Equities	0.40%
GRID First Trust NASDAQ Clean Edge Smart Grid Infrastructure Index Fund	Alternative Energy Equities	0.20%
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares	Total Bond Market	0%
VTWAX Vanguard Total World Stock Index Fund Admiral Shares	Global Equities	0%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	Large Cap Value Equities, Dividend	0%
DODGX Dodge & Cox Stock Fund Class I	Large Cap Value Equities	0%
FISMX Fidelity International Small Cap Fund	Foreign Small & Mid Cap Equities	0%
MALOX BlackRock Global Allocation Fund	Global Allocation	0%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

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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.

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Returns By Period

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	-2.64%	-0.21%	7.86%	7.47%	23.05%	19.90%	11.79%	13.33%
Portfolio Retirement Target ETF Only 35/35/25/5 - 2025	0.10%	-1.30%	5.59%	6.24%	15.48%	13.86%	8.41%	—
Portfolio components:
AOR iShares Core 60/40 Balanced Allocation ETF	-1.97%	-0.81%	5.53%	5.95%	16.76%	13.35%	6.57%	8.14%
AVDV Avantis International Small Cap Value ETF	-3.19%	-3.19%	12.92%	15.80%	39.79%	26.89%	13.10%	—
BIL SPDR Bloomberg 1-3 Month T-Bill ETF	0.04%	0.28%	1.53%	1.78%	3.87%	4.64%	3.42%	2.18%
BND Vanguard Total Bond Market ETF	-0.45%	-0.64%	-0.05%	0.11%	4.90%	3.80%	0.02%	1.56%
BSV Vanguard Short-Term Bond Index Fund ETF Shares	-0.26%	-0.36%	0.11%	0.49%	3.67%	4.36%	1.58%	1.93%
BTC-USD Bitcoin	4.53%	-20.68%	-27.31%	-29.64%	-39.78%	33.88%	13.75%	60.03%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	0.70%	2.60%	8.83%	9.29%	20.96%	17.08%	10.81%	12.68%
DBMF iMGP DBi Managed Futures Strategy ETF	-2.01%	-0.10%	9.70%	11.78%	28.17%	9.96%	7.93%	—
DODGX Dodge & Cox Stock Fund Class I	1.96%	1.60%	4.64%	6.40%	13.12%	15.81%	8.74%	12.74%
EDIV SPDR S&P Emerging Markets Dividend ETF	-2.29%	-3.29%	4.49%	5.87%	11.84%	17.75%	10.26%	8.74%

*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 +0.89%. At this rate, an investment would double in approximately 6.5 years.

Historically, 68% of months were positive and 32% 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%	-2.95%	3.68%	1.29%	-1.62%							5.59%
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 4.44%, 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 (47.51%) than losses (42.25%) - typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 4.44% 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: 4.44%

Beta: 0.40

R²: 0.78

Upside Capture: 47.51%

Downside Capture: 42.25%

Expense Ratio

Retirement Target ETF Only 35/35/25/5 - 2025 has an expense ratio of 0.36%, 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

iMGP 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 Fund

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 60 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

The table below presents risk-adjusted performance metrics for Retirement Target ETF Only 35/35/25/5 - 2025 and compares them with S&P 500 Index.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	2.33	2.01	+0.32
Sortino ratioReturn per unit of downside risk	3.18	2.71	+0.46
Omega ratioGain probability vs. loss probability	1.43	1.36	+0.07
Calmar ratioReturn relative to maximum drawdown	3.66	2.69	+0.97
Martin ratioReturn relative to average drawdown	14.53	12.34	+2.18
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.

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
AOR iShares Core 60/40 Balanced Allocation ETF	66	1.99	2.79	1.37	2.59	11.27
AVDV Avantis International Small Cap Value ETF	78	2.51	3.32	1.46	3.02	12.23
BIL SPDR Bloomberg 1-3 Month T-Bill ETF	100	19.68	175.67	88.66	358.48	2,842.59
BND Vanguard Total Bond Market ETF	35	1.16	1.71	1.20	1.62	4.86
BSV Vanguard Short-Term Bond Index Fund ETF Shares	63	1.87	2.96	1.35	2.63	9.17
BTC-USD Bitcoin	33	-0.93	-1.30	0.87	-0.78	-1.39
CDDYX Columbia Dividend Income Fund Institutional 3 Class	75	2.40	3.43	1.43	3.95	14.89
DBMF iMGP DBi Managed Futures Strategy ETF	82	2.26	2.97	1.48	4.58	16.82
DODGX Dodge & Cox Stock Fund Class I	25	1.28	1.86	1.23	1.92	6.77
EDIV SPDR S&P Emerging Markets Dividend ETF	29	1.00	1.46	1.19	1.20	3.67

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 Jun 6, 2026 (values are recalculated daily):

1-Year: 2.33
5-Year: 1.12
All Time: 1.46

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 1.64 to 2.53, 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 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.

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Dividends

Dividend yield

Retirement Target ETF Only 35/35/25/5 - 2025 provided a 2.94% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.94%	3.10%	3.08%	3.37%	3.33%	3.44%	1.64%	2.43%	1.93%	1.92%	1.32%	1.24%
Portfolio components:
AOR iShares Core 60/40 Balanced Allocation ETF	2.51%	2.55%	2.66%	2.50%	2.12%	1.64%	1.89%	2.56%	2.49%	4.51%	2.16%	2.12%
AVDV Avantis International Small Cap Value ETF	2.82%	3.05%	4.31%	3.29%	3.17%	2.39%	1.67%	0.36%	0.00%	0.00%	0.00%	0.00%
BIL SPDR Bloomberg 1-3 Month T-Bill ETF	3.86%	4.13%	5.03%	4.92%	1.35%	0.00%	0.30%	2.05%	1.66%	0.68%	0.07%	0.00%
BND Vanguard Total Bond Market ETF	3.98%	3.86%	3.67%	3.09%	2.60%	2.12%	2.38%	2.72%	2.81%	2.54%	2.51%	2.57%
BSV Vanguard Short-Term Bond Index Fund ETF Shares	4.00%	3.83%	3.38%	2.46%	1.50%	1.45%	1.79%	2.29%	1.99%	1.65%	1.48%	1.40%
BTC-USD Bitcoin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CDDYX Columbia Dividend Income Fund Institutional 3 Class	4.94%	5.33%	5.99%	4.96%	3.90%	2.93%	1.85%	3.28%	7.65%	4.03%	3.84%	8.35%
DBMF iMGP DBi Managed Futures Strategy ETF	5.22%	5.91%	5.75%	2.91%	7.72%	10.38%	0.86%	9.35%	0.00%	0.00%	0.00%	0.00%
DODGX Dodge & Cox Stock Fund Class I	9.29%	9.86%	8.20%	3.76%	5.47%	3.22%	6.74%	10.23%	9.69%	6.78%	6.26%	5.36%
EDIV SPDR S&P Emerging Markets Dividend ETF	4.59%	4.69%	3.94%	4.26%	4.94%	3.84%	3.52%	3.83%	3.41%	2.99%	4.94%	5.33%

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 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 1.84%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-12.05%Oct 2022	10mo 27d	9mo 20d	1y 8moNov 2021 - Jul 2023
2025 selloff2025	-7.05%Apr 2025	1mo 16d	1mo 4d	2mo 20dFeb 2025 - May 2025
2026 pullback2026	-4.23%Mar 2026	28d	19d	1mo 17dMar 2026 - Apr 2026
2024 pullback2024	-3.97%Aug 2024	19d	18d	1mo 7dJul 2024 - Aug 2024
2023 pullback2023	-3.88%Oct 2023	2mo 5d	1mo 13d	3mo 18dAug 2023 - Nov 2023

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 34 assets, with an effective number of assets of 13.66, reflecting the diversification based on asset allocation. Your portfolio is dominated by one or two holdings, which significantly increases concentration risk. Consider rebalancing toward more even weights or adding additional positions.

Diversification Ratio

	1Y	3Y	5Y	All Time
Diversification Ratio	1.41	1.43	1.46	1.46

The portfolio has a diversification ratio of 1.46, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

Retirement Target ETF Only 35/35/25/5 - 2025 correlation to the S&P 500 Index

Retirement Target ETF Only 35/35/25/5 - 2025 has a 0.82 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	0.82
Correlation (3Y) Calculated over the trailing 3-year period	0.82
Correlation (5Y) Calculated over the trailing 5-year period	0.85
Correlation (All Time) Calculated using the full available price history since Oct 20, 2020	0.85

Benchmark Correlations

Correlation vs. S&P 500 Index. VOO has the highest benchmark correlation at 1.00, while BIL has the lowest at -0.01.

-0.01

0.13

0.13

0.13

0.14

0.15

0.15

0.16

0.17

0.27

0.35

0.51

0.54

0.55

0.68

0.69

0.70

0.71

0.75

0.78

0.79

0.79

0.81

0.83

0.84

0.85

0.85

0.87

0.89

0.90

0.91

0.96

VTWAX

0.96

VOO

1.00

Portfolio Correlations

Correlation vs. Retirement Target ETF Only 35/35/25/5 - 2025. VT has the highest portfolio correlation at 0.85, while BIL has the lowest at 0.05.

0.05

0.14

0.20

0.22

0.24

0.24

0.28

0.28

0.35

0.37

0.51

0.53

0.59

0.65

0.67

0.71

0.72

0.72

0.73

0.73

0.74

0.74

0.74

0.74

0.75

0.75

0.76

0.76

0.78

0.78

0.84

0.85

0.85

Asset Correlations Table

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

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

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

Diversification Analysis

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