SCHG-SCHD-FXAIX-FTIHX-SPSB
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FTIHX Fidelity Total International Index Fund | Foreign Large Cap Equities | 3.50% |
FXAIX Fidelity 500 Index Fund | Large Cap Blend Equities | 31% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 31% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 31% |
SPSB SPDR Portfolio Short Term Corporate Bond ETF | Corporate Bonds | 3.50% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in SCHG-SCHD-FXAIX-FTIHX-SPSB, 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 Jun 14, 2016, corresponding to the inception date of FTIHX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -6.00% | -0.94% | -5.06% | 8.41% | 13.52% | 10.15% |
| SCHG-SCHD-FXAIX-FTIHX-SPSB | -6.62% | -1.60% | -5.13% | 9.02% | 15.06% | N/A |
| Portfolio components: | ||||||
SCHG Schwab U.S. Large-Cap Growth ETF | -9.34% | 0.88% | -4.94% | 11.94% | 17.84% | 14.97% |
SCHD Schwab US Dividend Equity ETF | -4.75% | -6.49% | -7.26% | 3.70% | 12.33% | 10.39% |
FTIHX Fidelity Total International Index Fund | 8.56% | 1.96% | 3.64% | 11.10% | 9.88% | N/A |
SPSB SPDR Portfolio Short Term Corporate Bond ETF | 2.08% | 0.54% | 2.72% | 6.91% | 2.44% | 2.33% |
FXAIX Fidelity 500 Index Fund | -5.65% | -0.88% | -4.46% | 9.84% | 15.27% | 11.95% |
Monthly Returns
The table below presents the monthly returns of SCHG-SCHD-FXAIX-FTIHX-SPSB, 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 2.24% | -1.45% | -5.31% | -2.14% | -6.62% | ||||||||
| 2024 | 1.53% | 4.86% | 3.07% | -4.06% | 4.54% | 3.84% | 1.60% | 2.12% | 1.99% | -0.51% | 5.87% | -2.31% | 24.44% |
| 2023 | 6.03% | -2.33% | 3.64% | 0.76% | 1.10% | 6.14% | 3.58% | -1.35% | -4.70% | -2.36% | 8.97% | 4.93% | 26.16% |
| 2022 | -5.83% | -3.04% | 3.69% | -8.90% | 0.27% | -7.92% | 8.55% | -4.00% | -8.83% | 7.53% | 5.55% | -5.64% | -19.00% |
| 2021 | -0.82% | 2.69% | 4.42% | 5.10% | 0.60% | 2.70% | 2.12% | 3.01% | -4.57% | 6.77% | -0.75% | 3.94% | 27.70% |
| 2020 | 0.34% | -7.73% | -11.42% | 13.01% | 5.21% | 2.02% | 6.18% | 7.41% | -3.40% | -1.85% | 11.02% | 3.82% | 23.98% |
| 2019 | 7.52% | 3.36% | 1.97% | 3.79% | -6.47% | 6.91% | 1.52% | -1.25% | 1.88% | 2.26% | 3.54% | 2.68% | 30.59% |
| 2018 | 5.65% | -3.96% | -2.31% | -0.02% | 2.52% | 0.75% | 3.45% | 3.32% | 0.75% | -7.00% | 2.00% | -8.37% | -4.18% |
| 2017 | 1.66% | 3.65% | 0.38% | 1.15% | 1.83% | 0.24% | 2.14% | 0.45% | 1.91% | 2.86% | 3.23% | 1.35% | 22.88% |
| 2016 | 1.21% | 3.74% | 0.05% | 0.31% | -1.92% | 2.92% | 1.50% | 7.96% |
Expense Ratio
SCHG-SCHD-FXAIX-FTIHX-SPSB has an expense ratio of 0.04%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of SCHG-SCHD-FXAIX-FTIHX-SPSB is 39, 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 | |
|---|---|---|---|---|---|
SCHG Schwab U.S. Large-Cap Growth ETF | 0.54 | 0.91 | 1.13 | 0.58 | 2.03 |
SCHD Schwab US Dividend Equity ETF | 0.18 | 0.36 | 1.05 | 0.18 | 0.63 |
FTIHX Fidelity Total International Index Fund | 0.73 | 1.10 | 1.15 | 0.88 | 2.66 |
SPSB SPDR Portfolio Short Term Corporate Bond ETF | 4.22 | 6.95 | 1.98 | 9.03 | 29.84 |
FXAIX Fidelity 500 Index Fund | 0.54 | 0.87 | 1.13 | 0.56 | 2.28 |
Dividends
Dividend yield
SCHG-SCHD-FXAIX-FTIHX-SPSB provided a 2.07% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.07% | 1.91% | 1.92% | 1.90% | 1.50% | 1.76% | 1.97% | 2.15% | 1.80% | 1.91% | 2.14% | 2.01% |
| Portfolio components: | ||||||||||||
SCHG Schwab U.S. Large-Cap Growth ETF | 0.45% | 0.40% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% | 1.09% |
SCHD Schwab US Dividend Equity ETF | 4.03% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
FTIHX Fidelity Total International Index Fund | 2.65% | 2.88% | 2.78% | 2.51% | 2.55% | 1.62% | 2.61% | 2.21% | 1.36% | 0.40% | 0.00% | 0.00% |
SPSB SPDR Portfolio Short Term Corporate Bond ETF | 4.83% | 4.85% | 4.05% | 1.92% | 1.19% | 1.94% | 2.77% | 2.36% | 1.94% | 1.65% | 1.43% | 1.26% |
FXAIX Fidelity 500 Index Fund | 1.35% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 1.95% | 2.07% | 1.81% | 2.01% | 2.56% | 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 SCHG-SCHD-FXAIX-FTIHX-SPSB. 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 SCHG-SCHD-FXAIX-FTIHX-SPSB was 32.37%, occurring on Mar 23, 2020. Recovery took 91 trading sessions.
The current SCHG-SCHD-FXAIX-FTIHX-SPSB drawdown is 10.11%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -32.37% | Feb 20, 2020 | 23 | Mar 23, 2020 | 91 | Jul 31, 2020 | 114 |
| -25.09% | Dec 28, 2021 | 200 | Oct 12, 2022 | 295 | Dec 14, 2023 | 495 |
| -18.73% | Sep 21, 2018 | 65 | Dec 24, 2018 | 70 | Apr 5, 2019 | 135 |
| -18.68% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -9.86% | Jan 29, 2018 | 9 | Feb 8, 2018 | 124 | Aug 7, 2018 | 133 |
Volatility
Volatility Chart
The current SCHG-SCHD-FXAIX-FTIHX-SPSB volatility is 13.96%, 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
Diversification Metrics
Number of Effective Assets
The portfolio contains 5 assets, with an effective number of assets of 3.44, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | SPSB | FTIHX | SCHD | SCHG | FXAIX | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.13 | 0.76 | 0.80 | 0.94 | 1.00 | 0.99 |
| SPSB | 0.13 | 1.00 | 0.16 | 0.10 | 0.15 | 0.13 | 0.14 |
| FTIHX | 0.76 | 0.16 | 1.00 | 0.67 | 0.69 | 0.76 | 0.76 |
| SCHD | 0.80 | 0.10 | 0.67 | 1.00 | 0.61 | 0.80 | 0.81 |
| SCHG | 0.94 | 0.15 | 0.69 | 0.61 | 1.00 | 0.93 | 0.94 |
| FXAIX | 1.00 | 0.13 | 0.76 | 0.80 | 0.93 | 1.00 | 0.99 |
| Portfolio | 0.99 | 0.14 | 0.76 | 0.81 | 0.94 | 0.99 | 1.00 |