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IRA Retirement - Sofi

Last updated Feb 21, 2024

Asset Allocation


BND 10%VGT 30%VTI 25%VOO 20%XLK 15%BondBondEquityEquity
PositionCategory/SectorWeight
BND
Vanguard Total Bond Market ETF
Total Bond Market

10%

VGT
Vanguard Information Technology ETF
Technology Equities

30%

VTI
Vanguard Total Stock Market ETF
Large Cap Growth Equities

25%

VOO
Vanguard S&P 500 ETF
Large Cap Growth Equities

20%

XLK
Technology Select Sector SPDR Fund
Technology Equities

15%

Performance

The chart shows the growth of an initial investment of $10,000 in IRA Retirement - Sofi , 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 Quarterly


-5.00%0.00%5.00%10.00%15.00%SeptemberOctoberNovemberDecember2024February
15.43%
13.40%
IRA Retirement - Sofi
Benchmark (^GSPC)
Portfolio components

The earliest data available for this chart is Sep 9, 2010, corresponding to the inception date of VOO

Returns

As of Feb 21, 2024, the IRA Retirement - Sofi returned 3.55% Year-To-Date and 14.79% of annualized return in the last 10 years.


Year-To-Date1 month6 months1 year5 years (annualized)10 years (annualized)
^GSPC
N/AN/AN/AN/AN/AN/A
IRA Retirement - Sofi 3.55%1.53%15.43%29.25%16.92%14.79%
VOO
Vanguard S&P 500 ETF
4.51%2.98%14.29%23.95%14.31%12.56%
VTI
Vanguard Total Stock Market ETF
4.08%3.07%14.33%22.30%13.44%11.88%
VGT
Vanguard Information Technology ETF
3.92%0.66%18.75%40.56%22.66%19.99%
BND
Vanguard Total Bond Market ETF
-1.70%-0.51%3.83%2.61%0.49%1.41%
XLK
Technology Select Sector SPDR Fund
4.17%0.17%19.93%44.65%24.86%20.42%

Monthly Returns Heatmap


JanFebMarAprMayJunJulAugSepOctNovDec
20241.61%
20232.81%-1.76%-5.33%-1.75%10.58%4.71%

Sharpe Ratio

The current IRA Retirement - Sofi Sharpe ratio is 2.11. A Sharpe ratio higher than 2.0 is considered very good.

-1.000.001.002.003.004.002.11

The Sharpe ratio of IRA Retirement - Sofi lies between the 25th and 75th percentiles. It indicates that the portfolio's risk-adjusted performance is in line with the majority of portfolios. This suggests a balanced approach to risk and return, which might be suitable for a broad range of investors.


Rolling 12-month Sharpe Ratio0.501.001.502.002.50SeptemberOctoberNovemberDecember2024February
2.11
1.75
IRA Retirement - Sofi
Benchmark (^GSPC)
Portfolio components

Dividend yield

IRA Retirement - Sofi granted a 1.24% dividend yield in the last twelve months.


TTM20232022202120202019201820172016201520142013
IRA Retirement - Sofi 1.24%1.27%1.44%1.04%1.27%1.60%1.83%1.54%1.79%1.83%1.69%1.65%
VOO
Vanguard S&P 500 ETF
1.39%1.46%1.69%1.25%1.54%1.88%2.06%1.78%2.02%2.10%1.85%1.84%
VTI
Vanguard Total Stock Market ETF
1.38%1.44%1.66%1.21%1.42%1.78%2.04%1.71%1.92%1.98%1.76%1.74%
VGT
Vanguard Information Technology ETF
0.62%0.65%0.91%0.64%0.82%1.11%1.29%0.99%1.31%1.28%1.12%1.05%
BND
Vanguard Total Bond Market ETF
3.20%3.09%2.60%1.97%2.22%2.72%2.81%2.54%2.51%2.57%2.79%2.78%
XLK
Technology Select Sector SPDR Fund
0.73%0.76%1.04%0.65%0.92%1.16%1.60%1.37%1.74%1.79%1.75%1.70%

Expense Ratio

The IRA Retirement - Sofi has an expense ratio of 0.07% which is considered to be low. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.


0.13%
0.00%2.15%
0.10%
0.00%2.15%
0.03%
0.00%2.15%

Risk-Adjusted Performance

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.


Sharpe ratioSortino ratioOmega ratioCalmar ratioUlcer Index
VOO
Vanguard S&P 500 ETF
1.91
VTI
Vanguard Total Stock Market ETF
1.71
VGT
Vanguard Information Technology ETF
2.15
BND
Vanguard Total Bond Market ETF
0.39
XLK
Technology Select Sector SPDR Fund
2.40

Asset Correlations Table

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

BNDXLKVGTVTIVOO
BND1.00-0.09-0.09-0.13-0.13
XLK-0.091.000.990.880.89
VGT-0.090.991.000.890.89
VTI-0.130.880.891.000.99
VOO-0.130.890.890.991.00

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.


-15.00%-10.00%-5.00%0.00%SeptemberOctoberNovemberDecember2024February
-2.02%
-1.08%
IRA Retirement - Sofi
Benchmark (^GSPC)
Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the IRA Retirement - Sofi . 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 IRA Retirement - Sofi was 30.06%, occurring on Mar 23, 2020. Recovery took 72 trading sessions.

The current IRA Retirement - Sofi drawdown is 2.02%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-30.06%Feb 20, 202023Mar 23, 202072Jul 6, 202095
-28.45%Dec 28, 2021200Oct 12, 2022291Dec 8, 2023491
-19.33%Oct 4, 201856Dec 24, 201859Mar 21, 2019115
-15.46%May 2, 201178Aug 19, 2011108Jan 25, 2012186
-12.56%Dec 2, 201549Feb 11, 201645Apr 18, 201694

Volatility Chart

The current IRA Retirement - Sofi volatility is 3.75%, 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.


1.50%2.00%2.50%3.00%3.50%4.00%4.50%5.00%SeptemberOctoberNovemberDecember2024February
3.75%
3.37%
IRA Retirement - Sofi
Benchmark (^GSPC)
Portfolio components
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