Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 40% |
VOOG Vanguard S&P 500 Growth ETF | S&P 500, Large Cap Growth Equities | 20% |
QQQ Invesco QQQ ETF | Nasdaq-100 | 15% |
SMH VanEck Semiconductor ETF | Semiconductors, Technology Equities | 10% |
VIG Vanguard Dividend Appreciation ETF | Dividend | 10% |
VXUS Vanguard Total International Stock ETF | Global Equities | 5% |
Find the right asset allocation for 2025 60/40 ish
Add portfolio to the optimizer to find optimal allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in 2025 60/40 ish, 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.
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Returns By Period
As of Jun 13, 2026, the 2025 60/40 ish returned 13.66% Year-To-Date and 13.32% 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 60/40 ish | 0.45% | 2.29% | 13.66% | 14.33% | 29.06% | 19.42% | 11.26% | 13.32% |
| Portfolio components: | ||||||||
BND Vanguard Total Bond Market ETF | -0.12% | 1.03% | 0.52% | 0.91% | 4.77% | 4.17% | 0.03% | 1.58% |
QQQ Invesco QQQ ETF | 0.59% | 1.75% | 17.57% | 17.85% | 37.55% | 26.43% | 16.85% | 21.79% |
SMH VanEck Semiconductor ETF | 1.72% | 11.44% | 72.15% | 75.62% | 141.99% | 60.05% | 38.42% | 37.49% |
VIG Vanguard Dividend Appreciation ETF | 0.53% | 2.76% | 7.68% | 6.99% | 19.52% | 15.98% | 10.74% | 13.24% |
VOOG Vanguard S&P 500 Growth ETF | 0.38% | -1.27% | 9.67% | 10.61% | 29.13% | 25.78% | 14.86% | 17.86% |
VXUS Vanguard Total International Stock ETF | 0.40% | 3.09% | 13.69% | 15.52% | 30.12% | 18.37% | 8.32% | 10.22% |
Monthly Returns
Based on dividend-adjusted daily data since Jan 28, 2011, 2025 60/40 ish's average daily return is +0.05%, while the average monthly return is +0.96%. At this rate, an investment would double in approximately 6.0 years.
Historically, 67% of months were positive and 33% were negative. The best month was Apr 2026 with a return of +9.8%, while the worst month was Apr 2022 at -8.4%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 5 months.
On a daily basis, 2025 60/40 ish closed higher 56% of trading days. The best single day was Mar 13, 2020 with a return of +6.9%, while the worst single day was Mar 12, 2020 at -7.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.04% | 0.11% | -3.93% | 9.80% | 6.20% | -0.68% | 13.66% | ||||||
| 2025 | 1.64% | -0.43% | -3.97% | 0.72% | 4.98% | 5.24% | 1.36% | 1.26% | 4.01% | 2.91% | -0.25% | 0.06% | 18.57% |
| 2024 | 1.43% | 3.66% | 2.12% | -3.40% | 4.68% | 3.68% | 0.44% | 1.49% | 1.84% | -1.83% | 3.03% | -0.90% | 17.14% |
| 2023 | 6.46% | -1.87% | 5.13% | 0.33% | 2.37% | 3.57% | 2.13% | -1.32% | -4.06% | -2.15% | 7.89% | 4.69% | 24.85% |
| 2022 | -5.56% | -2.66% | 0.70% | -8.44% | 0.53% | -6.20% | 7.86% | -4.57% | -8.00% | 2.42% | 6.68% | -4.78% | -21.26% |
| 2021 | -0.33% | 0.29% | 1.12% | 3.12% | 0.27% | 2.97% | 1.95% | 1.94% | -3.69% | 4.53% | 1.50% | 1.59% | 16.11% |
Benchmark Metrics
2025 60/40 ish has an annualized alpha of 3.50%, beta of 0.65, and R2 of 0.89 versus S&P 500 Index. Calculated based on daily prices since January 28, 2011.
- This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (72.99%) than losses (64.90%) - typical of diversified or defensive assets.
- This portfolio generated an annualized alpha of 3.50% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
- Beta of 0.65 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
- 3.50%
- Beta
- 0.65
- R²
- 0.89
- Upside Capture
- 72.99%
- Downside Capture
- 64.90%
Expense Ratio
2025 60/40 ish has an expense ratio of 0.09%, 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.
Return for Risk
Risk / Return Rank
2025 60/40 ish ranks 81 for risk / return — in the top 81% 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.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for 2025 60/40 ish 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 | 2.45 | 1.86 | +0.59 |
| Sortino ratioReturn per unit of downside risk | 3.33 | 2.53 | +0.80 |
| Omega ratioGain probability vs. loss probability | 1.46 | 1.34 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | 3.91 | 2.53 | +1.38 |
| Martin ratioReturn relative to average drawdown | 16.81 | 11.37 | +5.44 |
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 |
|---|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 36 | 1.18 | 1.77 | 1.21 | 1.65 | 4.81 |
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 |
VIG Vanguard Dividend Appreciation ETF | 58 | 1.80 | 2.61 | 1.32 | 2.32 | 9.34 |
VOOG Vanguard S&P 500 Growth ETF | 51 | 1.67 | 2.26 | 1.29 | 2.02 | 8.11 |
VXUS Vanguard Total International Stock ETF | 58 | 1.77 | 2.44 | 1.33 | 2.53 | 9.72 |
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Dividends
Dividend yield
2025 60/40 ish provided a 2.03% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.03% | 2.06% | 2.03% | 1.96% | 1.81% | 1.38% | 1.55% | 1.93% | 2.09% | 1.88% | 1.90% | 2.08% |
| Portfolio components: | ||||||||||||
BND Vanguard Total Bond Market ETF | 3.96% | 3.86% | 3.67% | 3.09% | 2.60% | 2.12% | 2.38% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% |
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% |
VIG Vanguard Dividend Appreciation ETF | 1.47% | 1.62% | 1.73% | 1.88% | 1.96% | 1.55% | 1.63% | 1.71% | 2.08% | 1.88% | 2.14% | 2.34% |
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% |
VXUS Vanguard Total International Stock ETF | 2.67% | 3.18% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% |
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 60/40 ish. 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 60/40 ish was 26.37%, occurring on Oct 14, 2022. Recovery took 322 trading sessions.
The current 2025 60/40 ish drawdown is 1.86%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -26.37%Oct 2022 | 9mo 20d | 1y 3mo | 2y 1moDec 2021 - Jan 2024 |
COVID crash2020 | -19.82%Mar 2020 | 29d | 2mo 17d | 3mo 16dFeb 2020 - Jun 2020 |
2025 selloff2025 | -13.06%Apr 2025 | 1mo 17d | 1mo 26d | 3mo 13dFeb 2025 - Jun 2025 |
Rate-hike selloffLate 2018 | -11.94%Dec 2018 | 3mo 26d | 2mo 21d | 6mo 17dAug 2018 - Mar 2019 |
2011 pullback2011 | -8.92%Oct 2011 | 2mo 27d | 3mo 11d | 6mo 8dJul 2011 - Jan 2012 |
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 4.08, 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 | 1.16 | 1.19 | 1.19 | 1.18 | 1.20 |
The portfolio has a diversification ratio of 1.20, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.
2025 60/40 ish correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.94 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.94 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.94 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Jan 28, 2011 | 0.93 |
Benchmark Correlations
Correlation vs. S&P 500 Index. VOOG has the highest benchmark correlation at 0.95, while BND has the lowest at -0.07.
Asset Correlations Table
Find what 2025 60/40 ish is missing
See which holdings overlap, where 2025 60/40 ish is concentrated, and which low-correlation assets could fill the gaps.
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