** 2025 Nov 26 IRA

Asset Allocation

Position	Category/Sector	Target Weight
BTC-USD Bitcoin		3%
DBC Invesco DB Commodity Index Tracking Fund	Commodities	5%
DIVO Amplify CWP Enhanced Dividend Income ETF	Derivative Income	11%
GLD SPDR Gold Shares	Gold, Precious Metals	15%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	10%
VGT Vanguard Information Technology ETF	Technology Equities	5%
VIG Vanguard Dividend Appreciation ETF	Dividend	10%
VTV Vanguard Value ETF	Large Cap Value Equities	8%
VYMI Vanguard International High Dividend Yield ETF	Dividend, Foreign Large Cap Equities	22%
XLE State Street Energy Select Sector SPDR ETF	Energy Equities	5%
XLU Utilities Select Sector SPDR Fund	Utilities Equities	6%

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 Nov 26 IRA, 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 Dec 14, 2016, corresponding to the inception date of DIVO

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.43%	-3.84%	-1.98%	16.08%	16.86%	10.37%	12.29%
Portfolio ** 2025 Nov 26 IRA	-0.07%	-1.83%	7.10%	11.19%	26.73%	20.34%	14.74%	—
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-2.44%	12.35%	13.88%	13.89%	11.70%	8.35%	12.30%
XLU Utilities Select Sector SPDR Fund	0.50%	-0.86%	9.31%	6.98%	20.02%	14.75%	11.01%	9.89%
BTC-USD Bitcoin	-1.99%	-2.31%	-23.70%	-44.66%	-19.07%	33.89%	3.18%	66.03%
GLD SPDR Gold Shares	-1.92%	-8.27%	8.35%	21.03%	49.02%	32.51%	21.53%	13.97%
VGT Vanguard Information Technology ETF	0.85%	-1.42%	-5.36%	-5.79%	29.79%	23.50%	15.02%	21.67%
VTV Vanguard Value ETF	0.16%	-3.03%	3.71%	6.74%	16.12%	14.94%	10.95%	11.89%
VIG Vanguard Dividend Appreciation ETF	0.16%	-3.69%	-1.33%	0.36%	12.71%	13.72%	9.86%	12.36%
DBC Invesco DB Commodity Index Tracking Fund	2.27%	13.20%	31.17%	35.71%	33.85%	11.56%	14.82%	10.42%
XLE State Street Energy Select Sector SPDR ETF	0.47%	5.52%	33.39%	36.01%	29.93%	14.70%	23.16%	11.36%
VYMI Vanguard International High Dividend Yield ETF	-0.11%	-0.87%	6.26%	13.90%	33.42%	20.17%	12.59%	10.36%

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

Monthly Returns

Based on dividend-adjusted daily data since Dec 15, 2016, 2025 Nov 26 IRA's average daily return is +0.05%, while the average monthly return is +1.44%. At this rate, your investment would double in approximately 4.0 years**.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +10.5%, while the worst month was Mar 2020 at -12.6%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 Nov 26 IRA closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +7.9%, while the worst single day was Mar 12, 2020 at -9.5%**.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	5.76%	4.91%	-3.63%	0.16%									7.10%
2025	3.85%	0.86%	0.93%	-0.54%	3.19%	2.87%	1.02%	3.11%	3.75%	1.10%	2.06%	0.88%	25.56%
2024	-0.11%	3.31%	5.44%	-2.20%	3.66%	-0.54%	3.54%	1.77%	2.56%	-0.14%	3.99%	-3.88%	18.36%
2023	5.18%	-3.50%	3.16%	1.74%	-3.61%	4.43%	3.31%	-2.79%	-2.68%	0.48%	5.52%	4.02%	15.58%
2022	-0.63%	0.44%	3.63%	-4.19%	2.00%	-8.02%	3.51%	-2.45%	-7.55%	7.75%	6.43%	-1.92%	-2.40%
2021	-0.28%	3.95%	5.46%	2.96%	1.30%	-0.97%	1.43%	1.56%	-2.71%	6.42%	-3.08%	4.45%	21.91%

Benchmark Metrics

** 2025 Nov 26 IRA has an annualized alpha of 8.31%, beta of 0.66, and R² of 0.73 versus S&P 500 Index. Calculated based on daily prices since December 15, 2016.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (89.17%) than losses (64.65%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 8.31% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.66 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 8.31%

Beta: 0.66

R²: 0.73

Upside Capture: 89.17%

Downside Capture: 64.65%

Expense Ratio

** 2025 Nov 26 IRA has an expense ratio of 0.21%, 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.

DBC

Invesco DB Commodity Index Tracking Fund

DIVO

Amplify CWP Enhanced Dividend Income ETF

GLD

SPDR Gold Shares

XLU

Utilities Select Sector SPDR Fund

VGT

Vanguard Information Technology ETF

XLE

State Street Energy Select Sector SPDR ETF

VYMI

Vanguard International High Dividend Yield ETF

SCHD

Schwab U.S. Dividend Equity ETF

VTV

Vanguard Value ETF

VIG

Vanguard Dividend Appreciation ETF

Return for Risk

Risk / Return Rank

2025 Nov 26 IRA ranks 91 for risk / return — in the top 91% of portfolios** on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

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	2.00	0.88	+1.11
Sortino ratio Return per unit of downside risk	2.73	1.37	+1.36
Omega ratio Gain probability vs. loss probability	1.42	1.21	+0.21
Calmar ratio Return relative to maximum drawdown	4.25	1.39	+2.86
Martin ratio Return relative to average drawdown	15.29	6.43	+8.85
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
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
XLU Utilities Select Sector SPDR Fund	62	1.27	1.73	1.24	2.24	5.38
BTC-USD Bitcoin	39	-0.43	-0.36	0.96	-1.14	-2.03
GLD SPDR Gold Shares	80	1.77	2.19	1.32	2.57	9.28
VGT Vanguard Information Technology ETF	58	1.10	1.67	1.23	1.88	5.72
VTV Vanguard Value ETF	56	1.09	1.57	1.23	1.48	6.62
VIG Vanguard Dividend Appreciation ETF	43	0.84	1.28	1.19	1.24	5.41
DBC Invesco DB Commodity Index Tracking Fund	81	1.80	2.41	1.32	3.16	8.12
XLE State Street Energy Select Sector SPDR ETF	54	1.19	1.58	1.23	1.60	4.21
VYMI Vanguard International High Dividend Yield ETF	90	2.11	2.79	1.44	3.04	12.35

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 Nov 26 IRA Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 2.00
5-Year: 1.21
All Time: 1.24

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 1.01 to 1.70, 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 Nov 26 IRA 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 Nov 26 IRA provided a 2.60% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.60%	2.74%	2.94%	2.92%	2.73%	2.49%	2.44%	3.14%	2.76%	2.16%	1.61%	1.19%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
XLU Utilities Select Sector SPDR Fund	2.57%	2.71%	2.96%	3.39%	2.92%	2.79%	3.14%	2.95%	3.33%	3.33%	3.41%	3.67%
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%
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%
VGT Vanguard Information Technology ETF	0.43%	0.40%	0.60%	0.65%	0.91%	0.64%	0.82%	1.11%	1.29%	0.99%	1.31%	1.28%
VTV Vanguard Value ETF	2.02%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%
VIG Vanguard Dividend Appreciation ETF	1.60%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
DBC Invesco DB Commodity Index Tracking Fund	2.54%	3.33%	5.22%	4.94%	0.59%	0.00%	0.00%	1.59%	1.30%	0.00%	0.00%	0.00%
XLE State Street Energy Select Sector SPDR ETF	2.52%	3.28%	3.36%	3.55%	3.68%	4.21%	5.62%	6.72%	3.54%	3.03%	2.26%	3.39%
VYMI Vanguard International High Dividend Yield ETF	3.61%	3.68%	4.84%	4.58%	4.70%	4.30%	3.22%	4.20%	4.29%	3.21%	2.39%	0.00%

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 Nov 26 IRA. 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 Nov 26 IRA was 29.61%, occurring on Mar 23, 2020. Recovery took 158 trading sessions.

The current 2025 Nov 26 IRA drawdown is 3.58%**.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-29.61%	Feb 20, 2020	33	Mar 23, 2020	158	Aug 28, 2020	191
-21.57%	Dec 17, 2017	374	Dec 25, 2018	311	Nov 1, 2019	685
-17.02%	Mar 31, 2022	186	Oct 2, 2022	193	Apr 13, 2023	379
-10.61%	Feb 21, 2025	47	Apr 8, 2025	28	May 6, 2025	75
-7.25%	Aug 1, 2023	66	Oct 5, 2023	54	Nov 28, 2023	120

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 8.24, 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	DBC	XLU	XLE	VGT	VYMI	DIVO	SCHD	VIG	VTV	Portfolio
Benchmark	1.00	0.06	0.24	0.25	0.37	0.45	0.90	0.72	0.79	0.77	0.91	0.84	0.79
GLD	0.06	1.00	0.10	0.25	0.15	0.08	0.05	0.23	0.06	0.05	0.07	0.05	0.31
BTC-USD	0.24	0.10	1.00	0.07	0.06	0.07	0.19	0.17	0.15	0.13	0.16	0.14	0.48
DBC	0.25	0.25	0.07	1.00	0.07	0.57	0.18	0.35	0.25	0.25	0.19	0.26	0.41
XLU	0.37	0.15	0.06	0.07	1.00	0.17	0.20	0.28	0.38	0.41	0.45	0.42	0.40
XLE	0.45	0.08	0.07	0.57	0.17	1.00	0.25	0.49	0.47	0.57	0.40	0.58	0.55
VGT	0.90	0.05	0.19	0.18	0.20	0.25	1.00	0.54	0.55	0.51	0.68	0.55	0.57
VYMI	0.72	0.23	0.17	0.35	0.28	0.49	0.54	1.00	0.62	0.64	0.64	0.68	0.75
DIVO	0.79	0.06	0.15	0.25	0.38	0.47	0.55	0.62	1.00	0.73	0.79	0.80	0.69
SCHD	0.77	0.05	0.13	0.25	0.41	0.57	0.51	0.64	0.73	1.00	0.82	0.90	0.71
VIG	0.91	0.07	0.16	0.19	0.45	0.40	0.68	0.64	0.79	0.82	1.00	0.86	0.72
VTV	0.84	0.05	0.14	0.26	0.42	0.58	0.55	0.68	0.80	0.90	0.86	1.00	0.75
Portfolio	0.79	0.31	0.48	0.41	0.40	0.55	0.57	0.75	0.69	0.71	0.72	0.75	1.00

The correlation results are calculated based on daily price changes starting from Dec 15, 2016

** 2025 Nov 26 IRA

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