Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 10% |
VGT Vanguard Information Technology ETF | Technology Equities | 30% |
VOO Vanguard S&P 500 ETF | S&P 500 | 20% |
VTI Vanguard Total Stock Market ETF | Large Cap Blend Equities | 25% |
XLK State Street Technology Select Sector SPDR ETF | Technology Equities | 15% |
Performance
Performance Chart
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 Every 3 months.
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The earliest data available for this chart is Sep 9, 2010, corresponding to the inception date of VOO
Returns By Period
As of Apr 3, 2026, the IRA Retirement - Sofi returned -3.81% Year-To-Date and 16.27% of annualized return in the last 10 years.
| 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 IRA Retirement - Sofi | 0.46% | -2.10% | -3.81% | -2.89% | 22.02% | 19.17% | 12.17% | 16.27% |
| Portfolio components: | ||||||||
VOO Vanguard S&P 500 ETF | 0.11% | -3.33% | -3.55% | -1.41% | 17.60% | 18.47% | 11.96% | 14.19% |
VTI Vanguard Total Stock Market ETF | 0.16% | -3.26% | -3.13% | -1.24% | 17.86% | 18.10% | 10.66% | 13.75% |
VGT Vanguard Information Technology ETF | 0.85% | -1.42% | -5.36% | -5.79% | 29.79% | 23.50% | 15.02% | 21.67% |
BND Vanguard Total Bond Market ETF | 0.22% | -0.98% | 0.31% | 0.85% | 4.27% | 3.53% | 0.30% | 1.70% |
XLK State Street Technology Select Sector SPDR ETF | 0.80% | -0.98% | -5.43% | -4.69% | 30.55% | 22.58% | 15.84% | 21.15% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 10, 2010, IRA Retirement - Sofi 's average daily return is +0.06%, while the average monthly return is +1.28%. At this rate, your investment would double in approximately 4.5 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2020 with a return of +12.4%, while the worst month was Mar 2020 at -10.2%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 5 months.
On a daily basis, IRA Retirement - Sofi closed higher 56% of trading days. The best single day was Apr 9, 2025 with a return of +10.3%, while the worst single day was Mar 16, 2020 at -11.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.46% | -1.51% | -4.17% | 1.44% | -3.81% | ||||||||
| 2025 | 1.00% | -1.72% | -6.55% | 0.34% | 7.37% | 6.89% | 2.80% | 1.38% | 4.99% | 3.97% | -2.16% | 0.19% | 19.10% |
| 2024 | 1.60% | 4.40% | 2.13% | -4.69% | 5.82% | 5.16% | 0.00% | 1.59% | 2.17% | -1.07% | 5.80% | -1.43% | 23.04% |
| 2023 | 7.62% | -1.13% | 6.33% | 0.54% | 3.94% | 5.75% | 2.81% | -1.76% | -5.33% | -1.75% | 10.58% | 4.71% | 35.99% |
| 2022 | -6.15% | -3.35% | 2.74% | -9.63% | -0.51% | -8.04% | 10.42% | -4.69% | -9.93% | 6.90% | 5.33% | -6.36% | -22.97% |
| 2021 | -0.71% | 1.84% | 2.23% | 4.73% | -0.25% | 4.39% | 2.63% | 2.88% | -4.77% | 6.77% | 1.14% | 3.09% | 26.17% |
Benchmark Metrics
IRA Retirement - Sofi has an annualized alpha of 3.15%, beta of 0.99, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since September 10, 2010.
- This portfolio captured 107.01% of S&P 500 Index gains but only 91.53% of its losses — a favorable profile for investors.
- This portfolio generated an annualized alpha of 3.15% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- With beta of 0.99 and R² of 0.95, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- 3.15%
- Beta
- 0.99
- R²
- 0.95
- Upside Capture
- 107.01%
- Downside Capture
- 91.53%
Expense Ratio
IRA Retirement - Sofi has an expense ratio of 0.06%, 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.
Return for Risk
Risk / Return Rank
IRA Retirement - Sofi ranks 40 for risk / return — below 40% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.09 | 0.88 | +0.21 |
Sortino ratioReturn per unit of downside risk | 1.65 | 1.37 | +0.29 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.88 | 1.39 | +0.49 |
Martin ratioReturn relative to average drawdown | 7.13 | 6.43 | +0.70 |
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 | |
|---|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | 54 | 0.98 | 1.49 | 1.23 | 1.53 | 7.13 |
VTI Vanguard Total Stock Market ETF | 54 | 0.94 | 1.47 | 1.22 | 1.53 | 7.16 |
VGT Vanguard Information Technology ETF | 58 | 1.10 | 1.67 | 1.23 | 1.88 | 5.72 |
BND Vanguard Total Bond Market ETF | 48 | 1.00 | 1.42 | 1.18 | 1.71 | 4.64 |
XLK State Street Technology Select Sector SPDR ETF | 61 | 1.13 | 1.71 | 1.24 | 1.98 | 6.27 |
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Dividends
Dividend yield
IRA Retirement - Sofi provided a 1.13% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.13% | 1.09% | 1.21% | 1.27% | 1.44% | 1.05% | 1.29% | 1.60% | 1.83% | 1.54% | 1.79% | 1.83% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
VTI Vanguard Total Stock Market ETF | 1.16% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
VGT Vanguard Information Technology ETF | 0.43% | 0.40% | 0.60% | 0.65% | 0.91% | 0.64% | 0.82% | 1.11% | 1.29% | 0.99% | 1.31% | 1.28% |
BND Vanguard Total Bond Market ETF | 3.92% | 3.86% | 3.67% | 3.09% | 2.60% | 2.12% | 2.38% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% |
XLK State Street Technology Select Sector SPDR ETF | 0.56% | 0.54% | 0.66% | 0.76% | 1.04% | 0.65% | 0.92% | 1.16% | 1.60% | 1.37% | 1.74% | 1.79% |
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 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 6.50%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.06% | Feb 20, 2020 | 23 | Mar 23, 2020 | 72 | Jul 6, 2020 | 95 |
| -28.45% | Dec 28, 2021 | 200 | Oct 12, 2022 | 291 | Dec 8, 2023 | 491 |
| -20.56% | Feb 20, 2025 | 34 | Apr 8, 2025 | 52 | Jun 24, 2025 | 86 |
| -19.33% | Oct 4, 2018 | 56 | Dec 24, 2018 | 59 | Mar 21, 2019 | 115 |
| -15.46% | May 2, 2011 | 78 | Aug 19, 2011 | 108 | Jan 25, 2012 | 186 |
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 4.44, 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
| Benchmark | BND | XLK | VGT | VTI | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | -0.09 | 0.89 | 0.89 | 0.99 | 1.00 | 0.96 |
| BND | -0.09 | 1.00 | -0.06 | -0.06 | -0.08 | -0.08 | -0.05 |
| XLK | 0.89 | -0.06 | 1.00 | 0.99 | 0.88 | 0.89 | 0.97 |
| VGT | 0.89 | -0.06 | 0.99 | 1.00 | 0.89 | 0.89 | 0.98 |
| VTI | 0.99 | -0.08 | 0.88 | 0.89 | 1.00 | 0.99 | 0.96 |
| VOO | 1.00 | -0.08 | 0.89 | 0.89 | 0.99 | 1.00 | 0.96 |
| Portfolio | 0.96 | -0.05 | 0.97 | 0.98 | 0.96 | 0.96 | 1.00 |