4 Fund Portfolio
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 20% |
MAIN Main Street Capital Corporation | Financial Services | 10% |
VNQ Vanguard Real Estate ETF | REIT | 10% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 60% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 4 Fund Portfolio, 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 30, 2025, the 4 Fund Portfolio returned -4.53% Year-To-Date and 11.13% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -5.45% | -0.36% | -4.66% | 8.69% | 13.87% | 10.21% |
| 4 Fund Portfolio | -4.53% | -1.03% | -1.45% | 11.63% | 15.24% | 11.13% |
| Portfolio components: | ||||||
BND Vanguard Total Bond Market ETF | 3.26% | 0.64% | 2.49% | 7.60% | -0.73% | 1.54% |
VOO Vanguard S&P 500 ETF | -5.11% | -0.26% | -4.09% | 10.13% | 15.61% | 12.19% |
MAIN Main Street Capital Corporation | -5.29% | -3.83% | 9.64% | 18.00% | 25.05% | 14.14% |
VNQ Vanguard Real Estate ETF | -0.17% | -1.88% | -5.84% | 13.19% | 6.98% | 5.13% |
Monthly Returns
The table below presents the monthly returns of 4 Fund Portfolio, 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 | 3.25% | -0.91% | -5.29% | -1.47% | -4.53% | ||||||||
| 2024 | 1.73% | 4.01% | 3.33% | -2.51% | 3.75% | 3.46% | 1.69% | 1.53% | 2.27% | -0.49% | 6.05% | -0.98% | 26.23% |
| 2023 | 6.60% | -0.98% | 1.45% | 1.73% | -0.25% | 5.30% | 3.49% | -2.09% | -3.66% | -2.81% | 9.04% | 5.03% | 24.30% |
| 2022 | -4.62% | -2.56% | 2.67% | -7.57% | -0.89% | -6.23% | 10.08% | -4.67% | -10.81% | 7.53% | 5.20% | -4.86% | -17.43% |
| 2021 | -0.81% | 4.24% | 4.57% | 5.77% | 0.06% | 1.91% | 2.22% | 2.48% | -3.90% | 6.58% | -0.37% | 4.08% | 29.73% |
| 2020 | 0.31% | -8.24% | -17.36% | 13.15% | 6.15% | 1.56% | 4.13% | 4.86% | -3.08% | -2.96% | 10.41% | 3.33% | 8.71% |
| 2019 | 7.86% | 3.27% | 1.02% | 3.76% | -3.83% | 5.61% | 1.89% | 0.20% | 1.05% | 1.54% | 2.33% | 2.18% | 29.89% |
| 2018 | 2.42% | -4.13% | -0.60% | 0.70% | 2.32% | 0.87% | 3.10% | 2.87% | -0.61% | -5.29% | 2.19% | -8.10% | -4.89% |
| 2017 | 0.52% | 3.70% | 0.56% | 1.69% | 0.07% | 0.97% | 1.67% | 0.54% | 1.58% | 1.66% | 2.33% | 0.79% | 17.25% |
| 2016 | -3.30% | 0.33% | 6.52% | 0.06% | 1.89% | 1.70% | 3.17% | 0.18% | -0.07% | -2.07% | 3.41% | 2.16% | 14.47% |
| 2015 | -0.92% | 4.00% | -0.71% | 0.31% | 0.57% | -1.09% | 1.33% | -5.59% | -1.85% | 7.79% | 1.23% | -2.13% | 2.36% |
| 2014 | -0.99% | 3.99% | -0.45% | 0.23% | 1.67% | 2.58% | -2.05% | 4.10% | -2.34% | 3.16% | 2.45% | -1.32% | 11.27% |
Expense Ratio
4 Fund Portfolio 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 4 Fund Portfolio is 66, 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 | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 1.54 | 2.23 | 1.27 | 0.61 | 3.97 |
VOO Vanguard S&P 500 ETF | 0.61 | 0.96 | 1.14 | 0.62 | 2.51 |
MAIN Main Street Capital Corporation | 0.96 | 1.39 | 1.20 | 0.98 | 3.76 |
VNQ Vanguard Real Estate ETF | 0.79 | 1.18 | 1.16 | 0.58 | 2.68 |
Dividends
Dividend yield
4 Fund Portfolio provided a 2.73% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.73% | 2.57% | 2.74% | 2.72% | 1.97% | 2.46% | 2.69% | 3.12% | 2.70% | 2.94% | 3.08% | 2.90% |
| Portfolio components: | ||||||||||||
BND Vanguard Total Bond Market ETF | 3.67% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
VOO Vanguard S&P 500 ETF | 1.37% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
MAIN Main Street Capital Corporation | 7.65% | 7.02% | 8.55% | 7.97% | 5.74% | 6.99% | 6.76% | 8.43% | 7.02% | 7.42% | 9.15% | 8.72% |
VNQ Vanguard Real Estate ETF | 4.13% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% | 3.60% |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the 4 Fund Portfolio. 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 4 Fund Portfolio was 37.49%, occurring on Mar 23, 2020. Recovery took 166 trading sessions.
The current 4 Fund Portfolio drawdown is 9.23%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -37.49% | Feb 18, 2020 | 25 | Mar 23, 2020 | 166 | Nov 16, 2020 | 191 |
| -24.22% | Jan 5, 2022 | 194 | Oct 12, 2022 | 294 | Dec 13, 2023 | 488 |
| -18.01% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -16.52% | Aug 30, 2018 | 80 | Dec 24, 2018 | 66 | Apr 1, 2019 | 146 |
| -14.21% | Jul 8, 2011 | 22 | Aug 8, 2011 | 108 | Jan 11, 2012 | 130 |
Volatility
Volatility Chart
The current 4 Fund Portfolio volatility is 12.75%, 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 4 assets, with an effective number of assets of 2.38, 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 | BND | MAIN | VNQ | VOO | Portfolio | |
|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.10 | 0.52 | 0.63 | 1.00 | 0.96 |
| BND | -0.10 | 1.00 | -0.05 | 0.14 | -0.10 | -0.03 |
| MAIN | 0.52 | -0.05 | 1.00 | 0.43 | 0.52 | 0.69 |
| VNQ | 0.63 | 0.14 | 0.43 | 1.00 | 0.63 | 0.70 |
| VOO | 1.00 | -0.10 | 0.52 | 0.63 | 1.00 | 0.96 |
| Portfolio | 0.96 | -0.03 | 0.69 | 0.70 | 0.96 | 1.00 |