110 rule 50 years old
110 - age
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
IAU iShares Gold Trust | Precious Metals, Gold | 10% |
QQQ Invesco QQQ | Large Cap Blend Equities | 20% |
SHV iShares Short Treasury Bond ETF | Government Bonds | 10% |
VGLT Vanguard Long-Term Treasury ETF | Government Bonds | 10% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 50% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 110 rule 50 years old, 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 Sep 9, 2010, corresponding to the inception date of VOO
Returns By Period
As of Apr 22, 2025, the 110 rule 50 years old returned -6.26% Year-To-Date and 10.43% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -12.30% | -8.99% | -11.89% | 3.84% | 13.06% | 9.34% |
| 110 rule 50 years old | -6.26% | -5.46% | -5.85% | 8.64% | 11.68% | 10.43% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | -12.03% | -8.89% | -11.37% | 5.19% | 14.80% | 11.29% |
IAU iShares Gold Trust | 30.46% | 13.38% | 25.71% | 43.09% | 14.58% | 11.01% |
QQQ Invesco QQQ | -15.15% | -9.79% | -12.31% | 5.09% | 16.27% | 15.58% |
SHV iShares Short Treasury Bond ETF | 1.26% | 0.33% | 2.18% | 4.90% | 2.44% | 1.81% |
VGLT Vanguard Long-Term Treasury ETF | -0.10% | -4.39% | -3.83% | 1.88% | -9.38% | -1.00% |
Monthly Returns
The table below presents the monthly returns of 110 rule 50 years old, 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 | 2.56% | -0.43% | -3.32% | -5.05% | -6.26% | ||||||||
| 2024 | 0.89% | 3.54% | 2.90% | -3.11% | 4.19% | 3.26% | 1.18% | 1.89% | 2.40% | -0.71% | 3.91% | -1.71% | 19.96% |
| 2023 | 6.60% | -2.30% | 5.12% | 1.07% | 1.44% | 4.41% | 2.46% | -1.46% | -4.55% | -1.21% | 7.89% | 4.42% | 25.69% |
| 2022 | -4.91% | -1.88% | 2.40% | -8.23% | -0.72% | -6.12% | 7.11% | -3.86% | -7.86% | 4.16% | 5.40% | -4.65% | -18.83% |
| 2021 | -1.13% | 0.20% | 2.15% | 4.42% | 0.84% | 2.04% | 2.41% | 2.28% | -4.09% | 5.42% | 0.22% | 2.67% | 18.48% |
| 2020 | 1.79% | -4.57% | -6.58% | 10.16% | 3.89% | 2.54% | 5.94% | 5.22% | -3.49% | -2.27% | 7.33% | 3.45% | 24.32% |
| 2019 | 6.13% | 2.12% | 2.15% | 2.88% | -4.07% | 5.89% | 1.26% | 0.63% | 0.56% | 2.14% | 2.30% | 2.40% | 26.83% |
| 2018 | 4.56% | -2.63% | -1.75% | 0.00% | 2.44% | 0.36% | 1.99% | 2.75% | -0.06% | -5.19% | 1.12% | -4.86% | -1.77% |
| 2017 | 2.51% | 3.31% | 0.40% | 1.39% | 1.66% | -0.30% | 2.03% | 1.30% | 0.40% | 2.01% | 2.04% | 1.16% | 19.40% |
| 2016 | -2.74% | 1.14% | 4.46% | 0.02% | 1.15% | 1.21% | 3.69% | -0.14% | 0.42% | -1.90% | 0.38% | 1.12% | 8.93% |
| 2015 | -0.11% | 2.89% | -1.34% | 0.59% | 0.92% | -1.97% | 1.74% | -4.21% | -1.60% | 6.73% | -0.36% | -1.26% | 1.60% |
| 2014 | -1.21% | 3.99% | -0.37% | 0.53% | 2.02% | 2.26% | -0.76% | 3.46% | -1.63% | 1.71% | 2.51% | -0.19% | 12.82% |
Expense Ratio
110 rule 50 years old has an expense ratio of 0.10%, 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 110 rule 50 years old is 63, 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 | |
|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | 0.22 | 0.43 | 1.06 | 0.22 | 0.94 |
IAU iShares Gold Trust | 2.66 | 3.50 | 1.46 | 5.41 | 14.57 |
QQQ Invesco QQQ | 0.09 | 0.31 | 1.04 | 0.10 | 0.37 |
SHV iShares Short Treasury Bond ETF | 21.28 | 285.03 | 134.26 | 543.31 | 4,635.53 |
VGLT Vanguard Long-Term Treasury ETF | 0.13 | 0.27 | 1.03 | 0.04 | 0.26 |
Dividends
Dividend yield
110 rule 50 years old provided a 1.80% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.80% | 1.67% | 1.66% | 1.43% | 0.89% | 1.17% | 1.56% | 1.65% | 1.38% | 1.52% | 1.57% | 1.48% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.48% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
IAU iShares Gold Trust | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
QQQ Invesco QQQ | 0.69% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
SHV iShares Short Treasury Bond ETF | 4.78% | 5.02% | 4.73% | 1.39% | 0.00% | 0.74% | 2.19% | 1.66% | 0.72% | 0.34% | 0.03% | 0.00% |
VGLT Vanguard Long-Term Treasury ETF | 4.46% | 4.33% | 3.33% | 2.83% | 1.82% | 2.15% | 2.46% | 2.71% | 2.55% | 2.69% | 3.21% | 2.75% |
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 110 rule 50 years old. 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 110 rule 50 years old was 23.50%, occurring on Oct 14, 2022. Recovery took 293 trading sessions.
The current 110 rule 50 years old drawdown is 10.55%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -23.5% | Dec 28, 2021 | 202 | Oct 14, 2022 | 293 | Dec 14, 2023 | 495 |
| -21.68% | Feb 20, 2020 | 23 | Mar 23, 2020 | 52 | Jun 5, 2020 | 75 |
| -13.79% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -13.19% | Aug 30, 2018 | 80 | Dec 24, 2018 | 56 | Mar 18, 2019 | 136 |
| -9.73% | Jul 25, 2011 | 11 | Aug 8, 2011 | 57 | Oct 27, 2011 | 68 |
Volatility
Volatility Chart
The current 110 rule 50 years old volatility is 10.12%, 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 3.13, 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
| SHV | IAU | VGLT | QQQ | VOO | |
|---|---|---|---|---|---|
| SHV | 1.00 | 0.11 | 0.14 | -0.02 | -0.02 |
| IAU | 0.11 | 1.00 | 0.25 | 0.03 | 0.04 |
| VGLT | 0.14 | 0.25 | 1.00 | -0.19 | -0.25 |
| QQQ | -0.02 | 0.03 | -0.19 | 1.00 | 0.90 |
| VOO | -0.02 | 0.04 | -0.25 | 0.90 | 1.00 |