2025 Roth

Asset Allocation

Position	Category/Sector	Target Weight
SCHD Schwab U.S. Dividend Equity ETF	Dividend	37.77%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	32.39%
V Visa Inc.	Financial Services	11.96%
VTV Vanguard Value ETF	Large Cap Value Equities	9.04%
BRK-B Berkshire Hathaway Inc.	Financial Services	5.52%
NVDA NVIDIA Corporation	Technology	3.32%

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 2025 Roth, 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

As of Jun 13, 2026, the 2025 Roth returned 11.75% Year-To-Date and 16.33% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.50%	0.31%	8.56%	8.85%	24.33%	19.37%	11.84%	13.61%
Portfolio 2025 Roth	0.77%	1.61%	11.75%	11.74%	21.98%	19.29%	12.62%	16.33%
Portfolio components:
BRK-B Berkshire Hathaway Inc.	0.71%	1.36%	-2.67%	-2.06%	0.35%	13.30%	11.27%	13.22%
NVDA NVIDIA Corporation	0.16%	-8.83%	10.16%	17.38%	44.72%	71.13%	63.13%	67.95%
SCHD Schwab U.S. Dividend Equity ETF	0.89%	3.47%	20.66%	19.57%	26.72%	14.90%	8.75%	12.91%
V Visa Inc.	1.05%	-1.03%	-7.69%	-6.93%	-7.91%	13.87%	7.33%	15.98%
VTI Vanguard Total Stock Market ETF	0.57%	1.00%	9.62%	9.69%	26.27%	20.60%	12.20%	15.02%
VTV Vanguard Value ETF	0.93%	5.04%	14.29%	13.99%	27.90%	18.16%	11.76%	12.78%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 20, 2011, 2025 Roth's average daily return is +0.07%, while the average monthly return is +1.35%. At this rate, an investment would double in approximately 4.3 years.

Historically, 72% of months were positive and 28% were negative. The best month was Nov 2020 with a return of +12.8%, while the worst month was Mar 2020 at -12.3%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 Roth closed higher 56% of trading days. The best single day was Mar 24, 2020 with a return of +9.9%, while the worst single day was Mar 16, 2020 at -11.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.07%	2.77%	-3.89%	7.11%	2.58%	-0.09%							11.75%
2025	2.90%	1.86%	-3.13%	-3.61%	4.06%	3.02%	0.69%	3.60%	0.73%	-0.09%	1.22%	0.84%	12.43%
2024	2.32%	4.66%	3.90%	-4.37%	3.92%	1.01%	3.80%	2.89%	0.92%	0.54%	6.02%	-4.39%	22.68%
2023	5.74%	-2.13%	1.83%	0.94%	-1.29%	6.41%	3.62%	-0.66%	-4.79%	-2.62%	7.96%	4.85%	20.71%
2022	-2.87%	-2.02%	3.73%	-6.94%	1.53%	-8.52%	7.09%	-4.20%	-8.67%	10.86%	6.69%	-4.65%	-9.84%
2021	-2.02%	5.39%	5.48%	4.86%	1.87%	1.36%	1.46%	1.67%	-4.05%	4.82%	-1.52%	5.72%	27.36%

Benchmark Metrics

2025 Roth has an annualized alpha of 3.83%, beta of 0.93, and R2 of 0.94 versus S&P 500 Index. Calculated based on daily prices since October 20, 2011.

This portfolio captured 103.32% of S&P 500 Index gains but only 86.17% of its losses - a favorable profile for investors.
This portfolio generated an annualized alpha of 3.83% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
With beta of 0.93 and R2 of 0.94, this portfolio moves broadly in line with S&P 500 Index - much of its variation is explained by market exposure rather than independent behavior.

Alpha: 3.83%

Beta: 0.93

R²: 0.94

Upside Capture: 103.32%

Downside Capture: 86.17%

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

Expense Ratio

2025 Roth 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.

SCHD

Schwab U.S. Dividend Equity ETF

VTV

Vanguard Value ETF

VTI

Vanguard Total Stock Market ETF

Return for Risk

Risk / Return Rank

2025 Roth ranks 64 for risk / return — better than 64% 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 2025 Roth 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	2.13	1.86	+0.27
Sortino ratioReturn per unit of downside risk	2.99	2.53	+0.46
Omega ratioGain probability vs. loss probability	1.38	1.34	+0.04
Calmar ratioReturn relative to maximum drawdown	3.38	2.53	+0.85
Martin ratioReturn relative to average drawdown	13.27	11.37	+1.89

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
BRK-B Berkshire Hathaway Inc.	38	-0.02	0.08	1.01	-0.02	-0.05
NVDA NVIDIA Corporation	74	1.20	1.75	1.21	2.07	4.94
SCHD Schwab U.S. Dividend Equity ETF	86	2.41	3.72	1.43	5.70	13.97
V Visa Inc.	14	-0.56	-0.68	0.92	-0.73	-1.57
VTI Vanguard Total Stock Market ETF	67	1.97	2.67	1.35	2.79	12.52
VTV Vanguard Value ETF	87	2.61	3.71	1.47	4.25	16.04

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. Learn how to interpret the Sharpe ratio.

The current 2025 Roth Sharpe ratio is 2.13 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 1.53 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 2025 Roth 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

2025 Roth provided a 1.81% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.81%	2.07%	2.08%	2.09%	2.14%	1.71%	1.96%	2.00%	2.16%	1.84%	2.04%	2.12%
Portfolio components:
BRK-B Berkshire Hathaway Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NVDA NVIDIA Corporation	0.14%	0.02%	0.03%	0.03%	0.11%	0.05%	0.12%	0.27%	0.46%	0.29%	0.45%	1.20%
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%
V Visa Inc.	0.81%	0.70%	0.68%	0.72%	0.76%	0.62%	0.56%	0.56%	0.67%	0.61%	0.75%	0.64%
VTI Vanguard Total Stock Market ETF	1.03%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
VTV Vanguard Value ETF	1.83%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%

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 2025 Roth. 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 2025 Roth was 34.07%, occurring on Mar 23, 2020. Recovery took 107 trading sessions.

The current 2025 Roth drawdown is 0.36%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-34.07%Mar 2020	1mo 2d	5mo 4d	6mo 6dFeb 2020 - Aug 2020
Bear market2022	-21.01%Sep 2022	8mo 28d	9mo 14d	1y 6moJan 2022 - Jul 2023
Rate-hike selloffLate 2018	-19.23%Dec 2018	3mo 1d	3mo 19d	6mo 20dSep 2018 - Apr 2019
2025 selloff2025	-14.87%Apr 2025	1mo 17d	2mo 24d	4mo 11dFeb 2025 - Jul 2025
2015 correction2015	-11.43%Aug 2015	3mo 8d	1mo 29d	5mo 7dMay 2015 - Oct 2015

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 6 assets, with an effective number of assets of 3.65, 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	5Y	10Y	All Time
Diversification Ratio	1.43	1.23	1.16	1.12	1.12

The portfolio has a diversification ratio of 1.12, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

2025 Roth correlation to the S&P 500 Index

2025 Roth has a 0.79 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	0.79
Correlation (3Y) Calculated over the trailing 3-year period	0.87
Correlation (5Y) Calculated over the trailing 5-year period	0.92
Correlation (10Y) Calculated over the trailing 10-year period	0.93
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011	0.95

Benchmark Correlations

Correlation vs. S&P 500 Index. VTI has the highest benchmark correlation at 0.99, while NVDA has the lowest at 0.61.

NVDA

0.61

0.65

0.67

0.82

0.88

0.99

Portfolio Correlations

Correlation vs. 2025 Roth. VTI has the highest portfolio correlation at 0.95, while NVDA has the lowest at 0.57.

0.57

0.74

0.91

0.93

0.95

Asset Correlations Table

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

	NVDA	V	BRK-B	SCHD	VTV	VTI
NVDA	1.00	0.38	0.28	0.38	0.41	0.61
V	0.38	1.00	0.53	0.57	0.60	0.64
BRK-B	0.28	0.53	1.00	0.72	0.78	0.66
SCHD	0.38	0.57	0.72	1.00	0.93	0.82
VTV	0.41	0.60	0.78	0.93	1.00	0.88
VTI	0.61	0.64	0.66	0.82	0.88	1.00

The correlation results are calculated based on daily price changes starting from Oct 20, 2011

Diversification Analysis

Find what 2025 Roth is missing

See which holdings overlap, where 2025 Roth is concentrated, and which low-correlation assets could fill the gaps.

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