FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV

Asset Allocation

Position	Category/Sector	Target Weight
AVDE Avantis International Equity ETF	Foreign Large Cap Equities	14%
AVEM Avantis Emerging Markets Equity ETF	Foreign Large Cap Equities	7%
AVLV Avantis U.S. Large Cap Value ETF	Large Cap Value Equities	7%
AVSC Avantis US Small Cap Equity ETF	Small Cap Value Equities	7%
AVUS Avantis U.S. Equity ETF	Large Cap Growth Equities, Actively Managed	7%
AVUV Avantis US Small Cap Value ETF	Small Cap Value Equities	7%
DFIV Dimensional International Value ETF	Foreign Large Cap Equities	14%
SPAXX Fidelity Government Money Market Fund	Money Market	5%
TIP iShares TIPS Bond ETF	Inflation-Protected Bonds	5%
VGIT Vanguard Intermediate-Term Treasury ETF	Government Bonds	13%
VGSH Vanguard Short-Term Treasury ETF	Government Bonds, Short-Term Bond	8%
VNQ Vanguard Real Estate ETF	REIT	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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV, 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 Jan 13, 2022, corresponding to the inception date of AVSC

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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV	0.04%	-1.52%	3.87%	7.38%	21.13%	13.12%	—	—
Portfolio components:
TIP iShares TIPS Bond ETF	0.41%	-0.62%	0.82%	0.60%	3.34%	3.06%	1.33%	2.52%
VNQ Vanguard Real Estate ETF	1.36%	-4.43%	3.06%	1.04%	2.95%	7.33%	3.14%	4.85%
VGSH Vanguard Short-Term Treasury ETF	0.09%	-0.23%	0.34%	1.33%	3.82%	3.98%	1.80%	1.74%
VGIT Vanguard Intermediate-Term Treasury ETF	0.13%	-1.05%	0.03%	0.77%	4.08%	3.19%	0.33%	1.32%
SPAXX Fidelity Government Money Market Fund	0.00%	0.00%	0.53%	1.46%	3.49%	2.14%	—	—
AVUS Avantis U.S. Equity ETF	0.08%	-2.70%	0.41%	3.15%	21.02%	17.81%	11.29%	—
AVLV Avantis U.S. Large Cap Value ETF	-0.01%	-1.86%	7.14%	12.33%	24.40%	18.05%	—	—
AVDE Avantis International Equity ETF	-0.52%	-2.40%	4.22%	9.40%	32.64%	17.80%	10.09%	—
AVUV Avantis US Small Cap Value ETF	0.68%	-0.56%	9.54%	12.30%	27.33%	16.21%	10.57%	—
AVEM Avantis Emerging Markets Equity ETF	-0.75%	-2.89%	4.81%	7.99%	36.50%	18.50%	7.00%	—

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

Monthly Returns

Based on dividend-adjusted daily data since Jan 14, 2022, FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV's average daily return is +0.03%, while the average monthly return is +0.63%. At this rate, your investment would double in approximately 9.2 years.

Historically, 62% of months were positive and 38% were negative. The best month was Jan 2023 with a return of +6.6%, while the worst month was Sep 2022 at -7.6%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV closed higher 53% of trading days. The best single day was Apr 9, 2025 with a return of +5.0%, while the worst single day was Apr 4, 2025 at -4.0%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	4.07%	3.56%	-4.22%	0.61%									3.87%
2025	2.39%	0.55%	-0.96%	0.08%	3.56%	3.01%	0.39%	3.89%	1.55%	0.44%	1.80%	1.44%	19.59%
2024	-1.25%	2.02%	3.09%	-3.00%	3.65%	-0.75%	3.93%	0.93%	1.38%	-2.36%	3.08%	-3.53%	7.01%
2023	6.55%	-2.41%	-0.29%	0.68%	-2.77%	4.48%	3.68%	-2.60%	-2.63%	-2.97%	6.24%	5.59%	13.51%
2022	-2.91%	-1.03%	0.39%	-4.71%	1.63%	-7.07%	4.61%	-2.87%	-7.56%	5.45%	6.45%	-2.73%	-10.95%

Benchmark Metrics

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV has an annualized alpha of 2.09%, beta of 0.58, and R² of 0.76 versus S&P 500 Index. Calculated based on daily prices since January 14, 2022.

This portfolio participated in 68.23% of S&P 500 Index downside but only 65.23% of its upside — more exposed to losses than it benefited from rallies.
This portfolio generated an annualized alpha of 2.09% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.58 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: 2.09%

Beta: 0.58

R²: 0.76

Upside Capture: 65.23%

Downside Capture: 68.23%

Expense Ratio

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV has an expense ratio of 0.17%, 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.

Top 10 holdings

AVEM

Avantis Emerging Markets Equity ETF

DFIV

Dimensional International Value ETF

AVUV

Avantis US Small Cap Value ETF

AVSC

Avantis US Small Cap Equity ETF

AVDE

Avantis International Equity ETF

TIP

iShares TIPS Bond ETF

AVUS

Avantis U.S. Equity ETF

AVLV

Avantis U.S. Large Cap Value ETF

VNQ

Vanguard Real Estate ETF

VGIT

Vanguard Intermediate-Term Treasury ETF

Return for Risk

Risk / Return Rank

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV ranks 80 for risk / return — better than 80% 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

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	1.81	0.88	+0.93
Sortino ratio Return per unit of downside risk	2.52	1.37	+1.16
Omega ratio Gain probability vs. loss probability	1.37	1.21	+0.17
Calmar ratio Return relative to maximum drawdown	2.48	1.39	+1.09
Martin ratio Return relative to average drawdown	11.19	6.43	+4.76
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
TIP iShares TIPS Bond ETF	35	0.80	1.11	1.14	1.16	3.36
VNQ Vanguard Real Estate ETF	16	0.18	0.36	1.05	0.29	1.11
VGSH Vanguard Short-Term Treasury ETF	96	2.67	4.30	1.58	4.26	16.01
VGIT Vanguard Intermediate-Term Treasury ETF	52	1.08	1.61	1.19	1.64	5.01
SPAXX Fidelity Government Money Market Fund	—	3.48	—	—	—	—
AVUS Avantis U.S. Equity ETF	63	1.12	1.67	1.26	1.70	8.32
AVLV Avantis U.S. Large Cap Value ETF	70	1.31	1.88	1.29	1.84	8.79
AVDE Avantis International Equity ETF	87	1.92	2.57	1.39	2.87	11.22
AVUV Avantis US Small Cap Value ETF	63	1.17	1.73	1.24	1.90	7.48
AVEM Avantis Emerging Markets Equity ETF	84	1.83	2.42	1.36	2.80	10.66

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.

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 1.81
All Time: 0.63

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 0.98 to 1.66, 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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV 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

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV provided a 2.59% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.59%	2.73%	2.87%	2.64%	2.47%	1.67%	1.23%	0.88%	0.83%	0.66%	0.65%	0.53%
Portfolio components:
TIP iShares TIPS Bond ETF	2.79%	3.46%	2.52%	2.73%	6.96%	4.28%	1.17%	1.75%	2.71%	2.07%	1.48%	0.34%
VNQ Vanguard Real Estate ETF	3.86%	3.92%	3.85%	3.95%	3.91%	2.56%	3.93%	3.39%	4.74%	4.23%	4.82%	3.92%
VGSH Vanguard Short-Term Treasury ETF	3.92%	4.00%	4.18%	3.31%	1.15%	0.66%	1.74%	2.28%	1.79%	1.10%	0.84%	0.69%
VGIT Vanguard Intermediate-Term Treasury ETF	3.82%	3.79%	3.67%	2.73%	1.74%	1.69%	2.23%	2.24%	2.05%	1.67%	1.69%	1.69%
SPAXX Fidelity Government Money Market Fund	3.42%	3.88%	1.53%	0.41%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVUS Avantis U.S. Equity ETF	1.03%	1.08%	1.27%	1.41%	1.59%	1.08%	1.19%	0.35%	0.00%	0.00%	0.00%	0.00%
AVLV Avantis U.S. Large Cap Value ETF	1.20%	1.33%	1.58%	1.85%	2.00%	0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVDE Avantis International Equity ETF	2.67%	2.66%	3.29%	3.01%	2.79%	2.46%	1.63%	0.29%	0.00%	0.00%	0.00%	0.00%
AVUV Avantis US Small Cap Value ETF	1.39%	1.58%	1.61%	1.65%	1.74%	1.28%	1.21%	0.38%	0.00%	0.00%	0.00%	0.00%
AVEM Avantis Emerging Markets Equity ETF	2.41%	2.45%	3.17%	3.06%	2.77%	2.61%	1.60%	0.35%	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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV. 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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV was 18.55%, occurring on Sep 27, 2022. Recovery took 309 trading sessions.

The current FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV drawdown is 3.86%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-18.55%	Jan 14, 2022	176	Sep 27, 2022	309	Dec 19, 2023	485
-10.1%	Feb 19, 2025	35	Apr 8, 2025	23	May 12, 2025	58
-6.44%	Feb 27, 2026	16	Mar 20, 2026	—	—	—
-4.9%	Jul 17, 2024	14	Aug 5, 2024	14	Aug 23, 2024	28
-4.58%	Dec 2, 2024	27	Jan 10, 2025	24	Feb 14, 2025	51

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 12 assets, with an effective number of assets of 10.46, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

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	SPAXX	VGSH	VGIT	TIP	AVEM	VNQ	DFIV	AVUV	AVSC	AVLV	AVDE	AVUS	Portfolio
Benchmark	1.00	0.00	0.05	0.09	0.18	0.68	0.62	0.67	0.74	0.77	0.87	0.74	0.96	0.83
SPAXX	0.00	1.00	0.07	0.05	0.03	-0.07	0.04	-0.05	-0.03	-0.03	-0.01	-0.03	-0.01	-0.02
VGSH	0.05	0.07	1.00	0.90	0.70	0.08	0.23	0.11	0.02	0.05	0.00	0.15	0.03	0.17
VGIT	0.09	0.05	0.90	1.00	0.81	0.10	0.29	0.14	0.05	0.09	0.04	0.18	0.07	0.21
TIP	0.18	0.03	0.70	0.81	1.00	0.16	0.34	0.22	0.16	0.18	0.15	0.25	0.17	0.30
AVEM	0.68	-0.07	0.08	0.10	0.16	1.00	0.46	0.75	0.59	0.61	0.65	0.79	0.69	0.78
VNQ	0.62	0.04	0.23	0.29	0.34	0.46	1.00	0.57	0.64	0.67	0.65	0.60	0.66	0.73
DFIV	0.67	-0.05	0.11	0.14	0.22	0.75	0.57	1.00	0.72	0.71	0.75	0.96	0.74	0.91
AVUV	0.74	-0.03	0.02	0.05	0.16	0.59	0.64	0.72	1.00	0.97	0.92	0.72	0.88	0.89
AVSC	0.77	-0.03	0.05	0.09	0.18	0.61	0.67	0.71	0.97	1.00	0.89	0.72	0.88	0.89
AVLV	0.87	-0.01	0.00	0.04	0.15	0.65	0.65	0.75	0.92	0.89	1.00	0.77	0.96	0.91
AVDE	0.74	-0.03	0.15	0.18	0.25	0.79	0.60	0.96	0.72	0.72	0.77	1.00	0.79	0.93
AVUS	0.96	-0.01	0.03	0.07	0.17	0.69	0.66	0.74	0.88	0.88	0.96	0.79	1.00	0.91
Portfolio	0.83	-0.02	0.17	0.21	0.30	0.78	0.73	0.91	0.89	0.89	0.91	0.93	0.91	1.00

The correlation results are calculated based on daily price changes starting from Jan 14, 2022

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

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