Jerry’s Primary IRA + SCHD + CAPR

Asset Allocation

Position	Category/Sector	Target Weight
VWINX Vanguard Wellesley Income Fund Investor Shares	Diversified Portfolio	45%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	25%
VTWNX Vanguard Target Retirement 2020 Fund	Target Retirement Date, Diversified Portfolio	15%
^CASHX US Money Market Index		8.50%
CAPR Capricor Therapeutics, Inc.	Healthcare	6.50%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Jerry’s Primary IRA + SCHD + CAPR, 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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Returns By Period

As of Jun 13, 2026, the Jerry’s Primary IRA + SCHD + CAPR returned 6.79% Year-To-Date and 8.93% 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 Jerry’s Primary IRA + SCHD + CAPR	0.41%	1.20%	6.79%	7.90%	21.40%	15.70%	8.81%	8.93%
Portfolio components:
^CASHX US Money Market Index	0.01%	0.27%	1.60%	1.78%	3.88%	4.63%	3.53%	2.32%
CAPR Capricor Therapeutics, Inc.	3.04%	-13.45%	-10.60%	-0.85%	119.02%	75.54%	42.12%	-3.11%
SCHD Schwab U.S. Dividend Equity ETF	0.89%	3.21%	20.66%	19.57%	26.72%	14.90%	8.75%	12.91%
VTWNX Vanguard Target Retirement 2020 Fund	1.06%	0.11%	4.19%	4.73%	11.96%	10.05%	4.50%	6.81%
VWINX Vanguard Wellesley Income Fund Investor Shares	0.77%	0.85%	3.48%	3.45%	10.58%	8.70%	4.00%	5.79%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 20, 2011, Jerry’s Primary IRA + SCHD + CAPR's average daily return is +0.03%, while the average monthly return is +0.82%. At this rate, an investment would double in approximately 7.1 years.

Historically, 59% of months were positive and 41% were negative. The best month was Apr 2020 with a return of +39.6%, while the worst month was Dec 2024 at -8.2%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 4 months.

On a daily basis, Jerry’s Primary IRA + SCHD + CAPR closed higher 67% of trading days. The best single day was Apr 29, 2020 with a return of +31.6%, while the worst single day was Jan 16, 2013 at -8.4%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.48%	4.24%	-2.01%	3.53%	0.18%	-0.67%							6.79%
2025	2.13%	1.75%	-3.45%	-0.65%	-0.29%	2.14%	-0.75%	1.72%	0.90%	-0.53%	1.16%	10.81%	15.30%
2024	-1.33%	0.84%	6.10%	-4.40%	2.54%	-0.96%	2.36%	2.45%	14.32%	4.37%	1.04%	-8.22%	18.94%
2023	3.33%	-2.09%	0.25%	-0.06%	-1.14%	2.97%	1.40%	2.12%	-7.47%	-3.13%	5.29%	7.45%	8.35%
2022	-0.42%	-0.30%	-1.02%	-4.23%	2.91%	-4.85%	5.74%	0.46%	-4.59%	3.01%	2.15%	-3.22%	-4.88%
2021	4.69%	1.08%	0.67%	1.70%	0.25%	2.25%	-0.34%	2.15%	-3.72%	1.89%	-1.77%	2.50%	11.66%

Benchmark Metrics

Jerry’s Primary IRA + SCHD + CAPR has an annualized alpha of 3.32%, beta of 0.48, and R2 of 0.22 versus S&P 500 Index. Calculated based on daily prices since October 20, 2011.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (48.05%) than losses (43.38%) - typical of diversified or defensive assets.
Beta of 0.48 may look defensive, but with R2 of 0.22 this portfolio is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this portfolio's risk.
R2 of 0.22 means this portfolio moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha: 3.32%

Beta: 0.48

R²: 0.22

Upside Capture: 48.05%

Downside Capture: 43.38%

See how alpha, beta & R² have trended over time →

Expense Ratio

Jerry’s Primary IRA + SCHD + CAPR has an expense ratio of 0.13%, 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.

VWINX

Vanguard Wellesley Income Fund Investor Shares

VTWNX

Vanguard Target Retirement 2020 Fund

SCHD

Schwab U.S. Dividend Equity ETF

Return for Risk

Risk / Return Rank

Jerry’s Primary IRA + SCHD + CAPR ranks 70 for risk / return — better than 70% 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

The table below presents risk-adjusted performance metrics for Jerry’s Primary IRA + SCHD + CAPR 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	1.41	1.86	-0.45
Sortino ratioReturn per unit of downside risk	3.30	2.53	+0.77
Omega ratioGain probability vs. loss probability	1.43	1.34	+0.09
Calmar ratioReturn relative to maximum drawdown	5.94	2.53	+3.41
Martin ratioReturn relative to average drawdown	15.90	11.37	+4.53

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
^CASHX US Money Market Index	—	259.86	—	—	—	—
CAPR Capricor Therapeutics, Inc.	76	0.22	4.52	1.60	1.36	2.70
SCHD Schwab U.S. Dividend Equity ETF	86	2.41	3.72	1.43	5.70	13.97
VTWNX Vanguard Target Retirement 2020 Fund	69	2.08	2.99	1.40	2.63	11.30
VWINX Vanguard Wellesley Income Fund Investor Shares	62	2.03	2.94	1.37	2.54	9.54

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. Learn how to interpret the Sharpe ratio.

The current Jerry’s Primary IRA + SCHD + CAPR Sharpe ratio is 1.41 as of Jun 13, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.53 to 2.41, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of Jerry’s Primary IRA + SCHD + CAPR 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

Jerry’s Primary IRA + SCHD + CAPR provided a 5.44% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	5.44%	5.72%	5.29%	3.93%	5.05%	6.35%	3.67%	3.05%	4.91%	2.21%	2.93%	3.88%
Portfolio components:
^CASHX US Money Market Index	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CAPR Capricor Therapeutics, 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%
SCHD Schwab U.S. Dividend Equity ETF	3.22%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
VTWNX Vanguard Target Retirement 2020 Fund	7.87%	8.20%	9.35%	6.20%	4.99%	19.57%	6.28%	3.54%	4.94%	0.73%	2.74%	4.15%
VWINX Vanguard Wellesley Income Fund Investor Shares	7.69%	7.86%	6.61%	4.73%	7.67%	6.03%	4.30%	3.94%	7.56%	3.20%	4.00%	5.60%

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.

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Worst Drawdowns

The table below displays the maximum drawdowns of the Jerry’s Primary IRA + SCHD + CAPR. 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 Jerry’s Primary IRA + SCHD + CAPR was 21.28%, occurring on Mar 23, 2020. Recovery took 37 trading sessions.

The current Jerry’s Primary IRA + SCHD + CAPR drawdown is 0.67%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-21.28%Mar 2020	2mo 2d	1mo 7d	3mo 9dJan 2020 - Apr 2020
2013 bear market2013	-21.11%Jul 2013	6mo 14d	5mo 26d	1y 5dJan 2013 - Jan 2014
2020 bear market2020	-21.05%Oct 2020	3mo 4d	3y 4mo	3y 7moJul 2020 - Mar 2024
2016 correction2016	-19.66%Jan 2016	1y 12mo	1y 8mo	3y 8moJan 2014 - Oct 2017
2020 correction2020	-15.34%Jul 2020	2mo 14d	11d	2mo 25dApr 2020 - Jul 2020

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 5 assets, with an effective number of assets of 3.35, 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	1.17	1.29	1.34	1.35	1.36

The portfolio has a diversification ratio of 1.36, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

Jerry’s Primary IRA + SCHD + CAPR correlation to the S&P 500 Index

Jerry’s Primary IRA + SCHD + CAPR has a 0.54 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.54
Correlation (3Y) Calculated over the trailing 3-year period	0.56
Correlation (5Y) Calculated over the trailing 5-year period	0.66
Correlation (10Y) Calculated over the trailing 10-year period	0.65
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011	0.62

Benchmark Correlations

Correlation vs. S&P 500 Index. VTWNX has the highest benchmark correlation at 0.92, while ^CASHX has the lowest at -0.00.

-0.00

0.14

0.71

0.82

0.92

Portfolio Correlations

Correlation vs. Jerry’s Primary IRA + SCHD + CAPR. CAPR has the highest portfolio correlation at 0.63, while ^CASHX has the lowest at 0.12.

0.12

0.58

0.59

0.62

0.63

Asset Correlations Table

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

	^CASHX	CAPR	VWINX	SCHD	VTWNX
^CASHX	1.00	0.00	0.00	-0.02	-0.00
CAPR	0.00	1.00	0.06	0.10	0.11
VWINX	0.00	0.06	1.00	0.72	0.78
SCHD	-0.02	0.10	0.72	1.00	0.73
VTWNX	-0.00	0.11	0.78	0.73	1.00

The correlation results are calculated based on daily price changes starting from Oct 20, 2011

Diversification Analysis

Find what Jerry’s Primary IRA + SCHD + CAPR is missing

See which holdings overlap, where Jerry’s Primary IRA + SCHD + CAPR is concentrated, and which low-correlation assets could fill the gaps.

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