2025 *retire ETFs +

Asset Allocation

Position	Category/Sector	Target Weight
VYM Vanguard High Dividend Yield ETF	Dividend	25%
VOOG Vanguard S&P 500 Growth ETF	S&P 500, Large Cap Growth Equities	20%
SMH VanEck Semiconductor ETF	Semiconductors, Technology Equities	10%
QQQ Invesco QQQ ETF	Nasdaq-100	10%
GLD SPDR Gold Shares	Gold, Precious Metals	7.50%
BRK-B Berkshire Hathaway Inc.	Financial Services	5%
WM Waste Management, Inc.	Industrials	5%
WMT Walmart Inc.	Consumer Defensive	5%
MSFT Microsoft Corporation	Technology	5%
COST Costco Wholesale Corporation	Consumer Defensive	5%
BTC-USD Bitcoin		2.50%

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 **2025 *retire ETFs +**, 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 year.

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Returns By Period

As of Jun 13, 2026, the 2025 *retire ETFs + returned 13.30% Year-To-Date and 22.90% 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 *retire ETFs +	0.04%	0.38%	13.30%	13.32%	29.12%	26.66%	18.47%	22.90%
Portfolio components:
BRK-B Berkshire Hathaway Inc.	0.71%	1.36%	-2.67%	-2.06%	0.35%	13.30%	11.27%	13.22%
BTC-USD Bitcoin	2.42%	-17.06%	-25.06%	-25.64%	-37.83%	36.87%	10.30%	55.97%
COST Costco Wholesale Corporation	0.68%	-6.35%	14.24%	11.38%	-0.24%	25.12%	22.12%	22.27%
GLD SPDR Gold Shares	0.06%	-9.52%	-2.47%	-2.25%	22.21%	28.89%	17.08%	12.15%
MSFT Microsoft Corporation	0.10%	-7.19%	-18.85%	-17.98%	-17.07%	6.16%	9.56%	24.39%
QQQ Invesco QQQ ETF	0.59%	0.22%	17.57%	17.85%	37.55%	26.43%	16.85%	21.79%
SMH VanEck Semiconductor ETF	1.72%	7.20%	72.15%	75.62%	141.99%	60.05%	38.42%	37.49%
VOOG Vanguard S&P 500 Growth ETF	0.38%	-2.80%	9.67%	10.61%	29.13%	25.78%	14.86%	17.86%
VYM Vanguard High Dividend Yield ETF	0.80%	1.97%	12.37%	11.19%	25.94%	18.06%	11.59%	11.95%
WM Waste Management, Inc.	0.30%	0.26%	0.71%	2.63%	-5.72%	12.33%	11.14%	15.36%

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

Monthly Returns

Based on dividend-adjusted daily data since Sep 29, 2012, 2025 *retire ETFs +'s average daily return is +0.07%, while the average monthly return is +2.31%. At this rate, an investment would double in approximately 2.5 years.

Historically, 69% of months were positive and 31% were negative. The best month was Nov 2013 with a return of +117.4%, while the worst month was Dec 2013 at -24.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 *retire ETFs + closed higher 55% of trading days. The best single day was Nov 18, 2013 with a return of +21.3%, while the worst single day was Dec 6, 2013 at -14.4%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.31%	1.48%	-4.91%	10.19%	4.09%	-0.91%							13.30%
2025	3.82%	-0.29%	-4.40%	1.46%	5.95%	4.05%	1.63%	1.40%	4.71%	1.74%	1.07%	-0.11%	22.70%
2024	2.82%	6.97%	4.16%	-3.85%	6.27%	3.38%	0.19%	2.58%	1.92%	0.02%	6.20%	-2.36%	31.47%
2023	6.71%	-2.10%	6.09%	0.99%	1.85%	5.49%	2.67%	-1.84%	-3.76%	0.24%	7.98%	5.25%	32.87%
2022	-5.65%	-1.44%	4.59%	-7.70%	-1.52%	-8.18%	8.56%	-4.09%	-8.06%	6.09%	7.27%	-5.74%	-16.64%
2021	-0.35%	2.01%	5.38%	4.12%	0.14%	1.64%	2.91%	3.71%	-4.63%	8.36%	0.82%	3.03%	30.08%

Benchmark Metrics

2025 *retire ETFs + has an annualized alpha of 14.15%, beta of 0.87, and R2 of 0.53 versus S&P 500 Index. Calculated based on daily prices since September 29, 2012.

This portfolio captured 134.92% of S&P 500 Index gains but only 77.21% of its losses - a favorable profile for investors.
This portfolio generated an annualized alpha of 14.15% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
With beta of 0.87 and R2 of 0.53, 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: 14.15%

Beta: 0.87

R²: 0.53

Upside Capture: 134.92%

Downside Capture: 77.21%

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

Expense Ratio

**2025 *retire ETFs + has an expense ratio of 0.11%**, 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.

GLD

SPDR Gold Shares

SMH

VanEck Semiconductor ETF

QQQ

Invesco QQQ ETF

VOOG

Vanguard S&P 500 Growth ETF

VYM

Vanguard High Dividend Yield ETF

Return for Risk

Risk / Return Rank

2025 *retire ETFs + ranks 73 for risk / return — better than 73% 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 *retire ETFs + 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	2.44	1.86	+0.58
Sortino ratioReturn per unit of downside risk	3.31	2.53	+0.77
Omega ratioGain probability vs. loss probability	1.43	1.34	+0.10
Calmar ratioReturn relative to maximum drawdown	3.53	2.53	+1.00
Martin ratioReturn relative to average drawdown	15.05	11.37	+3.68

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
BTC-USD Bitcoin	36	-0.88	-1.20	0.88	-0.74	-1.28
COST Costco Wholesale Corporation	36	-0.08	0.02	1.00	-0.10	-0.22
GLD SPDR Gold Shares	26	0.87	1.24	1.18	0.98	2.81
MSFT Microsoft Corporation	17	-0.70	-0.84	0.89	-0.53	-1.08
QQQ Invesco QQQ ETF	69	2.09	2.73	1.37	3.01	11.22
SMH VanEck Semiconductor ETF	95	4.13	4.26	1.60	9.18	33.74
VOOG Vanguard S&P 500 Growth ETF	51	1.67	2.26	1.29	2.02	8.11
VYM Vanguard High Dividend Yield ETF	81	2.37	3.37	1.42	3.70	13.81
WM Waste Management, Inc.	27	-0.32	-0.32	0.96	-0.36	-0.79

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 *retire ETFs + Sharpe ratio is 2.44 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 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 **2025 *retire ETFs +** 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 *retire ETFs + provided a 0.89%** dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	0.89%	0.97%	1.06%	1.46%	1.39%	1.10%	1.48%	1.52%	1.75%	1.73%	1.64%	2.05%
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%
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%
COST Costco Wholesale Corporation	0.55%	0.59%	0.49%	2.87%	0.76%	0.54%	3.38%	0.86%	1.08%	4.81%	1.09%	4.06%
GLD SPDR Gold Shares	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
MSFT Microsoft Corporation	0.91%	0.70%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%
QQQ Invesco QQQ ETF	0.39%	0.45%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%
SMH VanEck Semiconductor ETF	0.18%	0.31%	0.44%	0.60%	1.18%	0.51%	0.69%	1.50%	1.88%	1.43%	0.80%	2.14%
VOOG Vanguard S&P 500 Growth ETF	0.45%	0.49%	0.49%	1.12%	0.93%	0.53%	0.88%	1.26%	1.34%	1.32%	1.47%	1.56%
VYM Vanguard High Dividend Yield ETF	2.19%	2.44%	2.74%	3.12%	3.01%	2.76%	3.18%	3.03%	3.40%	2.80%	2.91%	3.22%
WM Waste Management, Inc.	1.61%	1.50%	1.49%	1.56%	1.66%	1.38%	1.85%	1.80%	2.09%	1.97%	2.31%	2.89%

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 *retire ETFs +**. 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 *retire ETFs + was 36.63%, occurring on Dec 18, 2013**. Recovery took 1063 trading sessions.

The current 2025 *retire ETFs + drawdown is 1.84%.

Related event	Drawdown	Fall	Recovery	Underwater
2013 bear market2013	-36.63%Dec 2013	13d	2y 11mo	2y 11moDec 2013 - Nov 2016
COVID crash2020	-26.97%Mar 2020	1mo 2d	3mo 24d	4mo 26dFeb 2020 - Jul 2020
Bear market2022	-23.40%Oct 2022	9mo 18d	9mo 3d	1y 6moDec 2021 - Jul 2023
2013 bear market2013	-20.12%Apr 2013	6d	6mo 5d	6mo 11dApr 2013 - Oct 2013
Rate-hike selloffLate 2018	-17.87%Dec 2018	1y 8d	3mo 9d	1y 3moDec 2017 - Apr 2019

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 11 assets, with an effective number of assets of 7.08, 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	1.65	1.43	1.35	1.32	1.36

The portfolio has a diversification ratio of 1.36, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

2025 *retire ETFs + correlation to the S&P 500 Index

2025 *retire ETFs + has a 0.92 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	0.92
Correlation (3Y) Calculated over the trailing 3-year period	0.95
Correlation (5Y) Calculated over the trailing 5-year period	0.96
Correlation (10Y) Calculated over the trailing 10-year period	0.93
Correlation (All Time) Calculated using the full available price history since Sep 29, 2012	0.89

Benchmark Correlations

Correlation vs. S&P 500 Index. VOOG has the highest benchmark correlation at 0.95, while GLD has the lowest at 0.02.

GLD

0.02

BTC-USD

0.16

WMT

0.38

0.45

0.52

0.66

0.70

0.77

0.86

0.91

0.95

Portfolio Correlations

Correlation vs. 2025 *retire ETFs +. VOOG has the highest portfolio correlation at 0.81, while GLD has the lowest at 0.09.

GLD

0.09

WMT

0.37

0.39

0.42

0.50

0.50

0.63

0.70

0.70

0.79

0.81

Asset Correlations Table

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

	GLD	BTC-USD	WMT	WM	COST	BRK-B	MSFT	SMH	VYM	QQQ	VOOG
GLD	1.00	0.07	0.01	-0.00	0.00	-0.04	0.01	0.02	0.03	0.02	0.02
BTC-USD	0.07	1.00	0.04	0.01	0.07	0.05	0.09	0.12	0.09	0.13	0.13
WMT	0.01	0.04	1.00	0.33	0.54	0.33	0.24	0.20	0.38	0.28	0.30
WM	-0.00	0.01	0.33	1.00	0.38	0.42	0.29	0.22	0.48	0.30	0.36
COST	0.00	0.07	0.54	0.38	1.00	0.35	0.37	0.33	0.42	0.44	0.46
BRK-B	-0.04	0.05	0.33	0.42	0.35	1.00	0.34	0.35	0.69	0.43	0.48
MSFT	0.01	0.09	0.24	0.29	0.37	0.34	1.00	0.55	0.45	0.72	0.70
SMH	0.02	0.12	0.20	0.22	0.33	0.35	0.55	1.00	0.55	0.78	0.74
VYM	0.03	0.09	0.38	0.48	0.42	0.69	0.45	0.55	1.00	0.60	0.66
QQQ	0.02	0.13	0.28	0.30	0.44	0.43	0.72	0.78	0.60	1.00	0.93
VOOG	0.02	0.13	0.30	0.36	0.46	0.48	0.70	0.74	0.66	0.93	1.00

The correlation results are calculated based on daily price changes starting from Sep 29, 2012

Diversification Analysis

Find what **2025 *retire ETFs +** is missing

See which holdings overlap, where 2025 *retire ETFs + is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification