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Stash Personal
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Diversification

Asset Allocation


MSFT 80%AAPL 13%PEP 4%ARKK 3%EquityEquity

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Stash Personal, 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.


200.00%400.00%600.00%800.00%1,000.00%December2025FebruaryMarchAprilMay
898.21%
180.66%
Stash Personal
Benchmark (^GSPC)
Portfolio components

The earliest data available for this chart is Oct 31, 2014, corresponding to the inception date of ARKK

Returns By Period

As of May 9, 2025, the Stash Personal returned -0.20% Year-To-Date and 25.35% of annualized return in the last 10 years.


YTD1M6M1Y5Y*10Y*
^GSPC
S&P 500
-3.70%13.67%-5.18%9.18%14.14%10.43%
Stash Personal-0.20%21.43%0.57%7.38%19.41%25.35%
AAPL
Apple Inc
-21.05%14.54%-12.99%8.58%21.29%21.49%
MSFT
Microsoft Corporation
4.16%23.58%3.41%7.55%19.98%26.84%
PEP
PepsiCo, Inc.
-12.80%-6.32%-18.46%-23.44%2.54%6.24%
ARKK
ARK Innovation ETF
-9.34%27.06%-2.32%15.85%-1.83%10.53%
*Annualized

Monthly Returns

The table below presents the monthly returns of Stash Personal, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025-1.69%-3.32%-5.90%3.46%7.86%-0.20%
20243.63%3.51%0.96%-6.44%7.04%7.39%-4.12%0.33%2.85%-5.04%4.93%0.07%14.92%
20234.74%1.06%14.20%5.48%6.48%4.51%-0.44%-2.96%-4.54%5.14%12.36%0.00%54.58%
2022-6.83%-4.11%3.28%-10.00%-2.41%-5.73%10.48%-5.99%-10.80%1.64%7.59%-6.91%-27.94%
20213.35%-1.01%1.41%6.66%-1.39%8.61%4.97%5.52%-6.57%15.46%0.73%2.46%46.16%
20207.32%-5.36%-3.82%14.11%3.58%11.32%3.25%11.86%-6.93%-3.96%7.08%5.20%49.48%
20193.52%7.15%5.71%9.53%-5.94%8.91%2.29%0.97%1.58%4.04%6.17%4.73%59.70%
20189.08%-0.24%-3.03%1.49%7.00%0.08%6.62%7.81%1.21%-5.96%1.44%-8.92%15.93%
20174.12%1.80%3.21%3.36%3.48%-1.75%4.91%4.54%-1.24%10.66%1.99%1.25%42.31%
2016-2.11%-5.69%9.06%-9.60%6.53%-3.11%10.10%1.87%1.33%2.91%0.53%3.30%14.10%
2015-9.66%9.16%-6.29%15.79%-1.87%-5.28%4.33%-6.15%1.00%16.76%3.25%0.40%19.05%
20143.55%-3.51%-0.08%

Expense Ratio

Stash Personal has an expense ratio of 0.02%, 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 Stash Personal is 16, meaning it’s performing worse than 84% of other portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of Stash Personal is 1616
Overall Rank
The Sharpe Ratio Rank of Stash Personal is 1717
Sharpe Ratio Rank
The Sortino Ratio Rank of Stash Personal is 1717
Sortino Ratio Rank
The Omega Ratio Rank of Stash Personal is 1616
Omega Ratio Rank
The Calmar Ratio Rank of Stash Personal is 1818
Calmar Ratio Rank
The Martin Ratio Rank of Stash Personal is 1313
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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.



Portfolio components
Sharpe ratioSortino ratioOmega ratioCalmar ratioMartin ratio
AAPL
Apple Inc
0.270.631.090.280.95
MSFT
Microsoft Corporation
0.300.571.070.290.63
PEP
PepsiCo, Inc.
-1.20-1.570.81-0.78-1.84
ARKK
ARK Innovation ETF
0.360.651.080.140.79

The current Stash Personal Sharpe ratio is 0.31. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Compared to the broad market, where average Sharpe ratios range from 0.44 to 0.96, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests that it may not be performing as well in terms of risk-adjusted returns compared to many other portfolios. The lower performance could be due to either lower returns, higher volatility, or a combination of both. This might indicate that the portfolio requires some fine-tuning. You can use the Portfolio Optimization tool to find an allocation that maximizes the Sharpe ratio.

Use the chart below to compare the Sharpe ratio of Stash Personal with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio-1.000.001.002.003.00December2025FebruaryMarchAprilMay
0.31
0.48
Stash Personal
Benchmark (^GSPC)
Portfolio components

Dividends

Dividend yield

Stash Personal provided a 0.81% dividend yield over the last twelve months.


TTM20242023202220212020201920182017201620152014
Portfolio0.81%0.78%0.77%1.04%0.73%0.98%1.22%1.81%1.82%2.26%2.29%2.31%
AAPL
Apple Inc
0.51%0.40%0.49%0.70%0.49%0.61%1.04%1.79%1.45%1.93%1.93%1.67%
MSFT
Microsoft Corporation
0.72%0.73%0.74%1.06%0.68%0.94%1.20%1.69%1.86%2.37%2.33%2.48%
PEP
PepsiCo, Inc.
4.14%3.52%2.92%2.51%2.45%2.71%2.79%3.25%2.64%2.83%2.76%2.68%
ARKK
ARK Innovation ETF
0.00%0.00%0.00%0.00%0.83%1.31%0.38%3.14%1.32%0.00%2.27%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.


-20.00%-15.00%-10.00%-5.00%0.00%December2025FebruaryMarchAprilMay
-6.55%
-7.82%
Stash Personal
Benchmark (^GSPC)
Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the Stash Personal. 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 Stash Personal was 34.64%, occurring on Nov 3, 2022. Recovery took 153 trading sessions.

The current Stash Personal drawdown is 6.55%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-34.64%Dec 28, 2021216Nov 3, 2022153Jun 15, 2023369
-28.17%Feb 11, 202029Mar 23, 202052Jun 5, 202081
-23.04%Dec 18, 202475Apr 8, 2025
-20.06%Oct 2, 201858Dec 24, 201856Mar 18, 2019114
-16.47%Apr 29, 201583Aug 25, 201542Oct 23, 2015125

Volatility

Volatility Chart

The current Stash Personal volatility is 13.52%, 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.


0.00%5.00%10.00%15.00%December2025FebruaryMarchAprilMay
13.52%
11.21%
Stash Personal
Benchmark (^GSPC)
Portfolio components

Diversification

Diversification Metrics


Number of Effective Assets

The portfolio contains 4 assets, with an effective number of assets of 1.52, 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

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

^GSPCPEPARKKAAPLMSFTPortfolio
^GSPC1.000.430.670.690.750.79
PEP0.431.000.150.300.340.36
ARKK0.670.151.000.530.540.59
AAPL0.690.300.531.000.630.72
MSFT0.750.340.540.631.000.99
Portfolio0.790.360.590.720.991.00
The correlation results are calculated based on daily price changes starting from Nov 3, 2014