2025 *retire ETFs +

Asset Allocation

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

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

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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The earliest data available for this chart is Jul 20, 2012, corresponding to the inception date of BTC-USD

Returns By Period

As of Apr 4, 2026, the 2025 *retire ETFs + returned 0.60% Year-To-Date and 21.84% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.63%	-3.84%	-1.98%	29.73%	16.86%	10.37%	12.29%
Portfolio 2025 *retire ETFs +	0.01%	-3.03%	0.60%	2.66%	35.30%	25.01%	16.26%	21.84%
Portfolio components:
BRK-B Berkshire Hathaway Inc.	-0.24%	-4.61%	-5.03%	-4.29%	-3.28%	15.44%	13.08%	12.79%
VOOG Vanguard S&P 500 Growth ETF	0.12%	-4.24%	-6.87%	-5.15%	37.84%	22.10%	12.49%	15.90%
BTC-USD Bitcoin	0.36%	-5.20%	-23.20%	-45.12%	-19.87%	33.61%	2.59%	66.06%
WM Waste Management, Inc.	1.91%	-3.96%	7.58%	7.97%	6.12%	14.58%	14.51%	17.02%
WMT Walmart Inc.	0.84%	2.22%	13.14%	23.74%	52.55%	37.98%	24.34%	20.62%
SMH VanEck Semiconductor ETF	0.09%	-0.77%	8.94%	16.89%	117.67%	44.85%	26.17%	31.69%
VYM Vanguard High Dividend Yield ETF	0.11%	-2.03%	3.80%	5.95%	29.77%	14.92%	11.04%	11.27%
GLD SPDR Gold Shares	-1.92%	-7.88%	8.35%	20.07%	53.51%	32.51%	21.53%	13.97%
QQQ Invesco QQQ ETF	0.11%	-3.81%	-4.65%	-2.77%	39.07%	22.97%	13.18%	19.05%
MSFT Microsoft Corporation	1.11%	-9.06%	-22.60%	-27.51%	4.58%	10.00%	9.94%	22.58%

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

Monthly Returns

Based on dividend-adjusted daily data since Jul 21, 2012, 2025 *retire ETFs +'s average daily return is +0.07%, while the average monthly return is +2.27%. At this rate, your investment would double in approximately 2.6 years.

Historically, 70% of months were positive and 30% 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%	0.91%									0.60%
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 14.21%, beta of 0.87, and R² of 0.52 versus S&P 500 Index. Calculated based on daily prices since July 21, 2012.

This portfolio captured 136.40% of S&P 500 Index gains but only 77.47% of its losses — a favorable profile for investors.
This portfolio generated an annualized alpha of 14.21% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
With beta of 0.87 and R² of 0.52, 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: 14.21%

Beta: 0.87

R²: 0.52

Upside Capture: 136.40%

Downside Capture: 77.47%

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 66 for risk / return — better than 66% 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

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	2.41	0.88	+1.52
Sortino ratio Return per unit of downside risk	3.98	1.37	+2.61
Omega ratio Gain probability vs. loss probability	1.51	1.21	+0.30
Calmar ratio Return relative to maximum drawdown	1.65	1.39	+0.26
Martin ratio Return relative to average drawdown	6.32	6.43	-0.11
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.

	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
BRK-B Berkshire Hathaway Inc.	15	-0.62	-0.73	0.90	-0.70	-1.19
VOOG Vanguard S&P 500 Growth ETF	54	1.00	1.56	1.22	1.70	6.51
BTC-USD Bitcoin	37	-0.45	-0.40	0.96	-1.12	-1.99
WM Waste Management, Inc.	39	0.10	0.26	1.03	0.12	0.29
WMT Walmart Inc.	87	1.72	2.65	1.33	3.92	10.75
SMH VanEck Semiconductor ETF	94	2.28	2.89	1.41	5.34	18.94
VYM Vanguard High Dividend Yield ETF	58	1.15	1.65	1.25	1.59	6.96
GLD SPDR Gold Shares	78	1.77	2.19	1.32	2.57	9.28
QQQ Invesco QQQ ETF	58	1.04	1.62	1.23	1.93	7.00
MSFT Microsoft Corporation	34	-0.06	0.11	1.01	-0.05	-0.12

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.

**2025 *retire ETFs + Sharpe ratios as of Apr 4, 2026** (values are recalculated daily):

1-Year: 2.41
5-Year: 1.04
10-Year: 1.29
All Time: 1.25

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 0.99 to 1.69, 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 0.96%** dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	0.96%	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%
VOOG Vanguard S&P 500 Growth ETF	0.53%	0.49%	0.49%	1.12%	0.93%	0.53%	0.88%	1.26%	1.34%	1.32%	1.47%	1.56%
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%
WM Waste Management, Inc.	1.45%	1.50%	1.49%	1.56%	1.66%	1.38%	1.85%	1.80%	2.09%	1.97%	2.31%	2.89%
WMT Walmart Inc.	0.76%	0.84%	0.92%	1.45%	1.58%	1.52%	1.50%	1.78%	2.23%	2.07%	2.89%	3.20%
SMH VanEck Semiconductor ETF	0.28%	0.31%	0.44%	0.60%	1.18%	0.51%	0.69%	1.50%	1.88%	1.43%	0.80%	2.14%
VYM Vanguard High Dividend Yield ETF	2.37%	2.44%	2.74%	3.12%	3.01%	2.76%	3.18%	3.03%	3.40%	2.80%	2.91%	3.22%
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%
QQQ Invesco QQQ ETF	0.48%	0.45%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%
MSFT Microsoft Corporation	0.93%	0.70%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%

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 **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 4.95%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-36.63%	Dec 5, 2013	14	Dec 18, 2013	1063	Nov 15, 2016	1077
-26.97%	Feb 20, 2020	33	Mar 23, 2020	114	Jul 15, 2020	147
-23.4%	Dec 28, 2021	289	Oct 12, 2022	273	Jul 12, 2023	562
-20.12%	Apr 10, 2013	7	Apr 16, 2013	184	Oct 18, 2013	191
-17.87%	Dec 17, 2017	374	Dec 25, 2018	99	Apr 3, 2019	473

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. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

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

	Benchmark	GLD	BTC-USD	WMT	WM	COST	BRK-B	MSFT	SMH	VYM	QQQ	VOOG	Portfolio
Benchmark	1.00	0.02	0.15	0.39	0.47	0.53	0.67	0.71	0.77	0.87	0.91	0.95	0.89
GLD	0.02	1.00	0.07	0.01	0.01	0.01	-0.04	0.01	0.02	0.03	0.02	0.02	0.08
BTC-USD	0.15	0.07	1.00	0.04	0.02	0.07	0.05	0.09	0.12	0.09	0.13	0.13	0.42
WMT	0.39	0.01	0.04	1.00	0.33	0.54	0.33	0.25	0.21	0.39	0.29	0.31	0.38
WM	0.47	0.01	0.02	0.33	1.00	0.38	0.42	0.30	0.23	0.48	0.32	0.38	0.41
COST	0.53	0.01	0.07	0.54	0.38	1.00	0.35	0.38	0.34	0.42	0.45	0.47	0.50
BRK-B	0.67	-0.04	0.05	0.33	0.42	0.35	1.00	0.35	0.36	0.70	0.43	0.49	0.51
MSFT	0.71	0.01	0.09	0.25	0.30	0.38	0.35	1.00	0.56	0.46	0.72	0.71	0.63
SMH	0.77	0.02	0.12	0.21	0.23	0.34	0.36	0.56	1.00	0.55	0.77	0.74	0.70
VYM	0.87	0.03	0.09	0.39	0.48	0.42	0.70	0.46	0.55	1.00	0.61	0.67	0.70
QQQ	0.91	0.02	0.13	0.29	0.32	0.45	0.43	0.72	0.77	0.61	1.00	0.93	0.79
VOOG	0.95	0.02	0.13	0.31	0.38	0.47	0.49	0.71	0.74	0.67	0.93	1.00	0.81
Portfolio	0.89	0.08	0.42	0.38	0.41	0.50	0.51	0.63	0.70	0.70	0.79	0.81	1.00

The correlation results are calculated based on daily price changes starting from Jul 21, 2012

2025 *retire ETFs +

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table