TFSA
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
AAPL Apple Inc | Technology | 15% |
BRK-B Berkshire Hathaway Inc. | Financial Services | 20% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | Precious Metals, Gold | 16% |
IVV iShares Core S&P 500 ETF | Large Cap Growth Equities | 16% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 18% |
WMT Walmart Inc. | Consumer Defensive | 15% |
Performance
Performance Chart
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The earliest data available for this chart is Dec 11, 2009, corresponding to the inception date of SCHG
Returns By Period
As of May 19, 2025, the TFSA returned 5.83% Year-To-Date and 15.22% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 1.30% | 12.79% | 1.49% | 12.35% | 15.37% | 10.87% |
| TFSA | 5.83% | 4.88% | 8.87% | 25.00% | 20.20% | 15.22% |
| Portfolio components: | ||||||
BRK-B Berkshire Hathaway Inc. | 13.46% | -0.75% | 9.36% | 23.35% | 24.00% | 13.26% |
SCHG Schwab U.S. Large-Cap Growth ETF | -0.47% | 16.97% | 2.93% | 17.51% | 18.91% | 15.57% |
AAPL Apple Inc | -15.43% | 7.39% | -5.88% | 11.79% | 22.27% | 21.43% |
WMT Walmart Inc. | 9.29% | 5.64% | 17.47% | 53.52% | 20.08% | 16.46% |
IVV iShares Core S&P 500 ETF | 1.74% | 12.93% | 2.10% | 13.72% | 16.75% | 12.57% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 23.88% | -5.18% | 23.84% | 26.34% | 11.10% | 7.25% |
Monthly Returns
The table below presents the monthly returns of TFSA, 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 | 2.81% | 1.84% | -2.58% | 2.77% | 0.96% | 5.83% | |||||||
| 2024 | 1.89% | 4.12% | 2.64% | -2.76% | 6.73% | 3.11% | 3.16% | 5.68% | 1.82% | -0.59% | 5.97% | -1.66% | 33.97% |
| 2023 | 5.95% | -2.08% | 6.32% | 2.60% | 1.09% | 6.09% | 2.65% | -1.05% | -4.83% | -0.15% | 6.52% | 2.43% | 27.82% |
| 2022 | -2.60% | -0.84% | 6.43% | -7.22% | -4.61% | -8.06% | 9.07% | -4.11% | -7.56% | 7.37% | 5.49% | -5.22% | -13.19% |
| 2021 | -1.61% | -1.66% | 3.21% | 6.31% | 2.02% | 0.18% | 2.43% | 2.86% | -5.15% | 6.36% | -0.59% | 5.04% | 20.43% |
| 2020 | 1.00% | -7.07% | -7.10% | 9.86% | 4.29% | 3.01% | 10.12% | 10.28% | -4.73% | -3.12% | 8.36% | 4.50% | 30.61% |
| 2019 | 5.41% | 1.78% | 1.60% | 4.46% | -5.97% | 8.95% | 1.18% | 0.76% | 2.11% | 3.52% | 3.09% | 4.26% | 35.11% |
| 2018 | 5.66% | -4.17% | -2.57% | -0.82% | 1.74% | -0.66% | 3.05% | 6.64% | 0.36% | -3.25% | -2.08% | -6.51% | -3.42% |
| 2017 | 2.62% | 5.37% | 0.55% | 0.96% | 2.72% | -0.78% | 3.81% | 3.07% | -0.83% | 3.89% | 3.80% | 1.72% | 30.21% |
| 2016 | -1.55% | 3.28% | 6.19% | -0.28% | -0.20% | 2.32% | 2.63% | 0.18% | 0.50% | -2.08% | 0.95% | 1.49% | 13.98% |
| 2015 | -0.89% | 3.31% | -2.05% | -0.31% | 0.57% | -2.96% | -0.30% | -5.37% | -2.45% | 4.39% | -1.23% | -2.91% | -10.11% |
| 2014 | -4.74% | 4.41% | 1.78% | 3.04% | 1.32% | 1.84% | -1.26% | 5.11% | -1.78% | 1.86% | 5.95% | -1.48% | 16.66% |
Expense Ratio
TFSA 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
With an overall rank of 90, TFSA is among the top 10% of portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
BRK-B Berkshire Hathaway Inc. | 1.23 | 1.73 | 1.25 | 2.75 | 6.80 |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.69 | 1.08 | 1.15 | 0.72 | 2.39 |
AAPL Apple Inc | 0.36 | 0.71 | 1.10 | 0.34 | 1.10 |
WMT Walmart Inc. | 2.27 | 2.93 | 1.41 | 2.38 | 7.84 |
IVV iShares Core S&P 500 ETF | 0.71 | 1.10 | 1.16 | 0.73 | 2.79 |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 1.35 | 1.97 | 1.25 | 1.38 | 7.09 |
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Dividends
Dividend yield
TFSA provided a 0.49% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 0.49% | 0.48% | 0.61% | 0.71% | 0.57% | 0.66% | 0.89% | 1.19% | 0.99% | 1.23% | 1.35% | 1.08% |
| 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% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.41% | 0.40% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% | 1.09% |
AAPL Apple Inc | 0.48% | 0.40% | 0.49% | 0.70% | 0.49% | 0.61% | 1.04% | 1.79% | 1.45% | 1.93% | 1.93% | 1.67% |
WMT Walmart Inc. | 0.90% | 0.92% | 1.45% | 1.58% | 1.52% | 1.50% | 1.78% | 2.23% | 2.07% | 2.89% | 3.20% | 2.24% |
IVV iShares Core S&P 500 ETF | 1.30% | 1.30% | 1.44% | 1.66% | 1.20% | 1.57% | 1.99% | 2.21% | 1.75% | 2.01% | 2.27% | 1.83% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 TFSA. 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 TFSA was 24.27%, occurring on Mar 23, 2020. Recovery took 75 trading sessions.
The current TFSA drawdown is 0.89%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -24.27% | Feb 20, 2020 | 23 | Mar 23, 2020 | 75 | Jul 7, 2020 | 98 |
| -22.34% | Mar 31, 2022 | 138 | Oct 12, 2022 | 172 | Jun 15, 2023 | 310 |
| -17.93% | May 19, 2015 | 174 | Jan 20, 2016 | 148 | Aug 17, 2016 | 322 |
| -17.82% | Oct 4, 2018 | 58 | Dec 24, 2018 | 86 | Apr 29, 2019 | 144 |
| -13.81% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
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 6 assets, with an effective number of assets of 5.93, 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
| ^GSPC | CGL.TO | WMT | AAPL | BRK-B | SCHG | IVV | Portfolio | |
|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.21 | 0.42 | 0.63 | 0.71 | 0.95 | 1.00 | 0.89 |
| CGL.TO | 0.21 | 1.00 | 0.08 | 0.14 | 0.11 | 0.19 | 0.21 | 0.38 |
| WMT | 0.42 | 0.08 | 1.00 | 0.24 | 0.38 | 0.37 | 0.42 | 0.53 |
| AAPL | 0.63 | 0.14 | 0.24 | 1.00 | 0.38 | 0.68 | 0.62 | 0.75 |
| BRK-B | 0.71 | 0.11 | 0.38 | 0.38 | 1.00 | 0.59 | 0.71 | 0.71 |
| SCHG | 0.95 | 0.19 | 0.37 | 0.68 | 0.59 | 1.00 | 0.95 | 0.87 |
| IVV | 1.00 | 0.21 | 0.42 | 0.62 | 0.71 | 0.95 | 1.00 | 0.89 |
| Portfolio | 0.89 | 0.38 | 0.53 | 0.75 | 0.71 | 0.87 | 0.89 | 1.00 |