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%
DFIV Dimensional International Value ETF	Foreign Large Cap Equities	14%
VGIT Vanguard Intermediate-Term Treasury ETF	Government Bonds	13%
VGSH Vanguard Short-Term Treasury ETF	Government Bonds, Short-Term Bond	8%
AVUS Avantis U.S. Equity ETF	Large Cap Blend Equities	7%
AVLV Avantis U.S. Large Cap Value ETF	Large Cap Value Equities	7%
AVUV Avantis US Small Cap Value ETF	Small Cap Value Equities	7%
AVEM Avantis Emerging Markets Equity ETF	Emerging Markets Equities	7%
AVSC Avantis US Small Cap Equity ETF	Small Cap Value Equities	7%
VNQ Vanguard Real Estate ETF	REIT	6%
TIP iShares TIPS Bond ETF	Inflation-Protected Bonds	5%
SPAXX Fidelity Government Money Market Fund	Money Market	5%

Benchmark Against

Benchmark

S&P 500 Index

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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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Returns By Period

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	-1.21%	0.23%	8.39%	10.39%	24.03%	18.94%	12.24%	13.61%
Portfolio FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV	-0.90%	1.71%	10.62%	11.68%	24.08%	14.81%	—	—
Portfolio components:
AVDE Avantis International Equity ETF	-0.83%	1.32%	11.00%	13.23%	28.57%	19.26%	10.79%	—
AVEM Avantis Emerging Markets Equity ETF	-0.27%	6.27%	26.29%	31.17%	48.95%	23.94%	10.32%	—
AVLV Avantis U.S. Large Cap Value ETF	-1.32%	3.29%	19.96%	21.55%	37.67%	21.73%	—	—
AVSC Avantis US Small Cap Equity ETF	-0.99%	5.07%	19.48%	18.11%	41.59%	16.83%	—	—
AVUS Avantis U.S. Equity ETF	-1.19%	1.90%	13.50%	15.12%	31.13%	20.80%	13.53%	—
AVUV Avantis US Small Cap Value ETF	-1.33%	2.37%	19.18%	17.38%	37.67%	18.44%	12.46%	—
DFIV Dimensional International Value ETF	-1.00%	0.11%	11.32%	13.32%	34.26%	22.47%	—	—
SPAXX Fidelity Government Money Market Fund	0.00%	0.28%	1.37%	1.67%	3.66%	2.42%	1.45%	—
TIP iShares TIPS Bond ETF	-0.67%	-0.17%	0.86%	0.82%	3.81%	3.60%	0.88%	2.47%
VGIT Vanguard Intermediate-Term Treasury ETF	-0.51%	0.43%	-0.52%	-0.49%	3.05%	3.53%	0.05%	1.16%

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

Monthly Returns

Based on dividend-adjusted daily data since Jan 13, 2022, FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV's average daily return is +0.03%, while the average monthly return is +0.72%. At this rate, an investment would double in approximately 8.1 years.

Historically, 61% of months were positive and 39% 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%	-4.20%	5.37%	1.70%	-0.02%							10.62%
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	-3.13%	-1.03%	0.38%	-4.70%	1.63%	-7.06%	4.60%	-2.87%	-7.55%	5.45%	6.44%	-2.73%	-11.15%

Benchmark Metrics

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV has an annualized alpha of 1.96%, beta of 0.58, and R2 of 0.76 versus S&P 500 Index. Calculated based on daily prices since January 13, 2022.

This portfolio participated in 65.86% of S&P 500 Index downside but only 61.77% of its upside - more exposed to losses than it benefited from rallies.
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: 1.96%

Beta: 0.58

R²: 0.76

Upside Capture: 61.77%

Downside Capture: 65.86%

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

Expense Ratio

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV has an expense ratio of 0.19%, 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

SPAXX

Fidelity Government Money Market Fund

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

Return for Risk

Risk / Return Rank

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV ranks 74 for risk / return — better than 74% 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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV 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	2.50	1.94	+0.56
Sortino ratioReturn per unit of downside risk	3.54	2.64	+0.90
Omega ratioGain probability vs. loss probability	1.46	1.35	+0.11
Calmar ratioReturn relative to maximum drawdown	3.75	2.65	+1.10
Martin ratioReturn relative to average drawdown	15.14	11.88	+3.26

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
AVDE Avantis International Equity ETF	59	1.91	2.66	1.34	2.50	9.78
AVEM Avantis Emerging Markets Equity ETF	77	2.31	2.97	1.43	3.75	14.25
AVLV Avantis U.S. Large Cap Value ETF	92	3.03	4.15	1.54	5.92	23.50
AVSC Avantis US Small Cap Equity ETF	81	2.30	3.28	1.39	5.30	16.59
AVUS Avantis U.S. Equity ETF	83	2.48	3.36	1.45	3.98	17.80
AVUV Avantis US Small Cap Value ETF	76	2.15	3.08	1.37	4.76	14.14
DFIV Dimensional International Value ETF	79	2.45	3.34	1.44	3.56	13.69
SPAXX Fidelity Government Money Market Fund	—	3.65	—	—	—	—
TIP iShares TIPS Bond ETF	34	1.12	1.69	1.20	1.93	5.75
VGIT Vanguard Intermediate-Term Treasury ETF	24	0.91	1.38	1.16	1.08	2.97

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 FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV Sharpe ratio is 2.50 as of Jun 17, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.65 to 2.50, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

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 2.86% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.86%	2.73%	2.87%	2.64%	2.47%	1.67%	1.23%	0.88%	0.83%	0.66%	0.65%	0.53%
Portfolio components:
AVDE Avantis International Equity ETF	3.83%	2.66%	3.29%	3.01%	2.79%	2.46%	1.63%	0.29%	0.00%	0.00%	0.00%	0.00%
AVEM Avantis Emerging Markets Equity ETF	2.56%	2.45%	3.17%	3.06%	2.77%	2.61%	1.60%	0.35%	0.00%	0.00%	0.00%	0.00%
AVLV Avantis U.S. Large Cap Value ETF	1.39%	1.33%	1.58%	1.85%	2.00%	0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVSC Avantis US Small Cap Equity ETF	1.22%	1.16%	1.17%	1.42%	1.10%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVUS Avantis U.S. Equity ETF	1.18%	1.08%	1.27%	1.41%	1.59%	1.08%	1.19%	0.35%	0.00%	0.00%	0.00%	0.00%
AVUV Avantis US Small Cap Value ETF	1.65%	1.58%	1.61%	1.65%	1.74%	1.28%	1.21%	0.38%	0.00%	0.00%	0.00%	0.00%
DFIV Dimensional International Value ETF	2.56%	2.92%	3.88%	3.93%	3.84%	2.30%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SPAXX Fidelity Government Money Market Fund	3.59%	3.88%	1.53%	0.41%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TIP iShares TIPS Bond ETF	3.78%	3.46%	2.52%	2.73%	6.96%	4.28%	1.17%	1.75%	2.71%	2.07%	1.48%	0.34%
VGIT Vanguard Intermediate-Term Treasury ETF	3.87%	3.79%	3.67%	2.73%	1.74%	1.69%	2.23%	2.24%	2.05%	1.67%	1.69%	1.69%

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 18.73%, occurring on Sep 27, 2022. Recovery took 309 trading sessions.

The current FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV drawdown is 0.20%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-18.73%Sep 2022	8mo 17d	1y 2mo	1y 11moJan 2022 - Dec 2023
2025 selloff2025	-10.10%Apr 2025	1mo 18d	1mo 4d	2mo 22dFeb 2025 - May 2025
2026 pullback2026	-6.44%Mar 2026	21d	28d	1mo 19dFeb 2026 - Apr 2026
2024 pullback2024	-4.90%Aug 2024	19d	18d	1mo 7dJul 2024 - Aug 2024
2025 pullback2025	-4.58%Jan 2025	1mo 9d	1mo 5d	2mo 14dDec 2024 - Feb 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 12 assets, with an effective number of assets of 10.46, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.

Diversification Ratio

	1Y	3Y	All Time
Diversification Ratio	1.20	1.21	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.

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV correlation to the S&P 500 Index

FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV has a 0.80 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	0.80
Correlation (3Y) Calculated over the trailing 3-year period	0.79
Correlation (All Time) Calculated using the full available price history since Jan 13, 2022	0.83

Benchmark Correlations

Correlation vs. S&P 500 Index. AVUS has the highest benchmark correlation at 0.96, while SPAXX has the lowest at 0.02.

0.02

0.07

0.11

0.19

0.60

0.67

0.69

0.74

0.74

0.77

0.86

0.96

Portfolio Correlations

Correlation vs. FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV. AVDE has the highest portfolio correlation at 0.93, while SPAXX has the lowest at -0.00.

-0.00

0.20

0.24

0.31

0.72

0.79

0.89

0.89

0.90

0.91

0.91

0.93

Asset Correlations Table

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

	SPAXX	VGSH	VGIT	TIP	VNQ	AVEM	DFIV	AVUV	AVSC	AVLV	AVDE	AVUS
SPAXX	1.00	0.08	0.06	0.03	0.05	-0.05	-0.02	-0.02	-0.02	0.01	-0.00	0.01
VGSH	0.08	1.00	0.91	0.70	0.24	0.11	0.13	0.04	0.08	0.02	0.18	0.06
VGIT	0.06	0.91	1.00	0.81	0.30	0.12	0.15	0.07	0.11	0.06	0.20	0.09
TIP	0.03	0.70	0.81	1.00	0.34	0.17	0.23	0.17	0.19	0.16	0.26	0.19
VNQ	0.05	0.24	0.30	0.34	1.00	0.44	0.57	0.64	0.66	0.64	0.59	0.65
AVEM	-0.05	0.11	0.12	0.17	0.44	1.00	0.74	0.59	0.61	0.65	0.79	0.70
DFIV	-0.02	0.13	0.15	0.23	0.57	0.74	1.00	0.72	0.71	0.75	0.96	0.74
AVUV	-0.02	0.04	0.07	0.17	0.64	0.59	0.72	1.00	0.97	0.91	0.72	0.87
AVSC	-0.02	0.08	0.11	0.19	0.66	0.61	0.71	0.97	1.00	0.88	0.72	0.88
AVLV	0.01	0.02	0.06	0.16	0.64	0.65	0.75	0.91	0.88	1.00	0.77	0.95
AVDE	-0.00	0.18	0.20	0.26	0.59	0.79	0.96	0.72	0.72	0.77	1.00	0.79
AVUS	0.01	0.06	0.09	0.19	0.65	0.70	0.74	0.87	0.88	0.95	0.79	1.00

The correlation results are calculated based on daily price changes starting from Jan 13, 2022

Diversification Analysis

Find what FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV is missing

See which holdings overlap, where FundAdvice Ultimate Buy & Hold Portfolio 70/25/5 AV is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification