Current

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Current

Currency in USD · Last updated May 6, 2025

Asset Allocation

Position	Category/Sector	Target Weight
BND Vanguard Total Bond Market ETF	Total Bond Market	3.94%
BNDX Vanguard Total International Bond ETF	Total Bond Market	1.77%
FFRHX Fidelity Floating Rate High Income Fund	High Yield Bonds	3.39%
GLD SPDR Gold Trust	Precious Metals, Gold	56.26%
PHT Pioneer High Income Fund, Inc.	Financial Services	1.63%
VEU Vanguard FTSE All-World ex-US ETF	Foreign Large Cap Equities	3.22%
VIG Vanguard Dividend Appreciation ETF	Large Cap Growth Equities, Dividend	10.96%
VIGI Vanguard International Dividend Appreciation ETF	Foreign Large Cap Equities, Dividend	2.31%
VMFXX Vanguard Federal Money Market Fund	Money Market	4.42%
VTI Vanguard Total Stock Market ETF	Large Cap Growth Equities	8.87%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	Inflation-Protected Bonds	0.36%
VWEHX Vanguard High-Yield Corporate Fund Investor Shares	High Yield Bonds	2.87%

Benchmark

Rebalance

Performance

Performance Chart

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

Current

Benchmark (^GSPC)

Portfolio components

The earliest data available for this chart is Mar 2, 2016, corresponding to the inception date of VIGI

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	-3.93%	11.36%	-1.09%	10.19%	14.74%	10.35%
Current	15.04%	8.26%	12.61%	28.12%	12.35%	N/A
Portfolio components:
GLD SPDR Gold Trust	26.74%	9.71%	21.38%	44.10%	13.93%	10.45%
BND Vanguard Total Bond Market ETF	2.25%	-1.34%	1.60%	5.62%	-0.82%	1.45%
BNDX Vanguard Total International Bond ETF	1.21%	0.52%	1.98%	5.53%	0.11%	2.00%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	3.36%	0.08%	3.85%	7.01%	3.97%	2.83%
FFRHX Fidelity Floating Rate High Income Fund	-0.61%	1.34%	1.02%	4.96%	7.55%	4.48%
VWEHX Vanguard High-Yield Corporate Fund Investor Shares	1.54%	1.31%	2.03%	7.21%	5.18%	4.38%
PHT Pioneer High Income Fund, Inc.	0.66%	6.08%	2.21%	10.55%	12.21%	4.36%
VTI Vanguard Total Stock Market ETF	-4.01%	11.57%	-0.93%	10.81%	15.74%	11.67%
VIG Vanguard Dividend Appreciation ETF	-1.26%	8.67%	-0.26%	10.77%	13.61%	11.15%
VEU Vanguard FTSE All-World ex-US ETF	11.26%	13.51%	7.47%	12.03%	11.52%	5.26%
VIGI Vanguard International Dividend Appreciation ETF	9.89%	13.34%	5.29%	11.74%	10.67%	N/A
VMFXX Vanguard Federal Money Market Fund	0.69%	0.00%	1.46%	4.14%	2.49%	1.72%

*Annualized

Monthly Returns

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

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2025	4.79%	1.16%	4.45%	2.99%	0.88%								15.04%
2024	-0.52%	1.27%	5.73%	0.53%	2.03%	0.48%	4.12%	2.07%	3.56%	1.74%	-0.46%	-1.75%	20.23%
2023	5.15%	-3.94%	5.21%	1.08%	-1.24%	0.46%	2.16%	-1.23%	-3.97%	3.53%	4.01%	2.31%	13.78%
2022	-2.58%	2.64%	1.12%	-3.26%	-1.90%	-3.09%	0.79%	-2.83%	-4.46%	1.11%	7.10%	0.33%	-5.48%
2021	-2.16%	-2.95%	0.56%	3.21%	4.87%	-3.96%	2.01%	0.72%	-3.16%	2.42%	-0.96%	3.17%	3.39%
2020	2.60%	-2.40%	-4.01%	7.19%	3.03%	2.08%	7.70%	1.43%	-2.90%	-0.88%	0.23%	4.96%	19.85%
2019	3.91%	0.78%	-0.34%	0.74%	-0.40%	6.39%	0.42%	4.36%	-1.49%	1.88%	-1.10%	2.91%	19.25%
2018	3.09%	-2.35%	0.04%	-0.50%	-0.26%	-2.00%	-0.22%	-0.55%	-0.14%	-0.78%	0.83%	0.86%	-2.07%
2017	3.62%	2.81%	-0.09%	1.51%	0.50%	-1.09%	1.83%	2.42%	-1.36%	0.13%	1.01%	1.62%	13.57%
2016			0.95%	3.26%	-3.34%	5.51%	2.15%	-1.73%	0.43%	-2.30%	-4.24%	-0.44%	-0.18%

Expense Ratio

Current has an expense ratio of 0.27%, 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.

FFRHX

Fidelity Floating Rate High Income Fund

FFRHX: 0.67%

GLD

SPDR Gold Trust

GLD: 0.40%

VWEHX

Vanguard High-Yield Corporate Fund Investor Shares

VWEHX: 0.23%

VIGI

Vanguard International Dividend Appreciation ETF

VIGI: 0.15%

BNDX

Vanguard Total International Bond ETF

BNDX: 0.07%

VEU

Vanguard FTSE All-World ex-US ETF

VEU: 0.07%

VIG

Vanguard Dividend Appreciation ETF

VIG: 0.06%

VTIP

Vanguard Short-Term Inflation-Protected Securities ETF

VTIP: 0.04%

BND

Vanguard Total Bond Market ETF

BND: 0.03%

VTI

Vanguard Total Stock Market ETF

VTI: 0.03%

VMFXX

Vanguard Federal Money Market Fund

VMFXX: 0.00%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 97, Current is among the top 3% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

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.

Sharpe ratio

Portfolio: 2.32

^GSPC: 0.65

Sortino ratio

Portfolio: 3.25

^GSPC: 1.02

Omega ratio

Portfolio: 1.44

^GSPC: 1.15

Calmar ratio

Portfolio: 4.72

^GSPC: 0.67

Martin ratio

Portfolio: 15.57

^GSPC: 2.62

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
GLD SPDR Gold Trust	2.50	3.34	1.43	5.25	13.93
BND Vanguard Total Bond Market ETF	1.05	1.53	1.18	0.44	2.67
BNDX Vanguard Total International Bond ETF	1.46	2.13	1.26	0.61	6.50
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	3.62	5.83	1.82	7.16	24.33
FFRHX Fidelity Floating Rate High Income Fund	1.58	2.53	1.60	1.51	7.16
VWEHX Vanguard High-Yield Corporate Fund Investor Shares	2.05	3.15	1.50	2.69	10.91
PHT Pioneer High Income Fund, Inc.	0.93	1.26	1.22	0.70	4.73
VTI Vanguard Total Stock Market ETF	0.48	0.82	1.12	0.50	1.94
VIG Vanguard Dividend Appreciation ETF	0.64	1.01	1.14	0.67	2.85
VEU Vanguard FTSE All-World ex-US ETF	0.68	1.07	1.14	0.83	2.60
VIGI Vanguard International Dividend Appreciation ETF	0.74	1.13	1.15	0.77	2.21
VMFXX Vanguard Federal Money Market Fund	3.26	—	—	—	—

The current Current Sharpe ratio is 2.32. 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 0.54 to 1.07, this portfolio's current Sharpe ratio is in the top 25%, it signifies superior risk-adjusted performance. This means that for the level of risk undertaken, the portfolio is generating impressive returns compared to most others.

Use the chart below to compare the Sharpe ratio of Current 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.

Current

Benchmark (^GSPC)

Portfolio components

Dividends

Dividend yield

Current provided a 1.43% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	1.43%	1.50%	1.51%	1.24%	1.06%	0.94%	1.22%	1.29%	1.08%	1.10%	1.20%	1.08%
Portfolio components:
GLD SPDR Gold Trust	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BND Vanguard Total Bond Market ETF	3.75%	3.67%	3.09%	2.60%	1.97%	2.22%	2.72%	2.81%	2.54%	2.51%	2.57%	2.79%
BNDX Vanguard Total International Bond ETF	4.28%	4.18%	4.42%	1.51%	3.74%	1.11%	3.40%	3.01%	2.23%	1.89%	1.63%	1.54%
VTIP Vanguard Short-Term Inflation-Protected Securities ETF	2.76%	2.70%	3.36%	6.84%	4.68%	1.20%	1.95%	2.45%	1.52%	0.76%	0.00%	0.82%
FFRHX Fidelity Floating Rate High Income Fund	7.48%	8.33%	8.25%	5.06%	3.27%	3.85%	5.17%	4.75%	4.01%	3.94%	4.25%	4.00%
VWEHX Vanguard High-Yield Corporate Fund Investor Shares	5.66%	6.13%	5.68%	5.11%	4.15%	4.62%	5.25%	5.93%	5.30%	5.39%	5.88%	5.59%
PHT Pioneer High Income Fund, Inc.	8.71%	8.52%	9.37%	11.38%	8.12%	9.25%	8.49%	9.71%	8.63%	9.37%	14.36%	9.54%
VTI Vanguard Total Stock Market ETF	1.35%	1.27%	1.44%	1.67%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%	1.76%
VIG Vanguard Dividend Appreciation ETF	1.84%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%	1.95%
VEU Vanguard FTSE All-World ex-US ETF	2.88%	3.24%	3.32%	3.12%	3.07%	2.00%	3.10%	3.27%	2.66%	2.96%	2.95%	3.52%
VIGI Vanguard International Dividend Appreciation ETF	1.87%	1.93%	1.92%	2.06%	7.02%	1.29%	1.83%	1.99%	1.75%	0.98%	0.00%	0.00%
VMFXX Vanguard Federal Money Market Fund	4.05%	5.11%	4.97%	1.54%	0.01%	0.45%	2.12%	1.61%	0.50%	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.

Current

Benchmark (^GSPC)

Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the Current. 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 Current was 16.43%, occurring on Sep 27, 2022. Recovery took 206 trading sessions.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-16.43%	Mar 9, 2022	142	Sep 27, 2022	206	Jul 19, 2023	348
-14.92%	Feb 24, 2020	19	Mar 19, 2020	43	May 20, 2020	62
-9.41%	Aug 19, 2016	83	Dec 15, 2016	115	Jun 2, 2017	198
-8.21%	Jan 25, 2018	143	Aug 15, 2018	200	Jun 4, 2019	343
-7.55%	Jan 6, 2021	42	Mar 8, 2021	49	May 17, 2021	91

Volatility

Volatility Chart

The current Current volatility is 6.68%, 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.

Current

Benchmark (^GSPC)

Portfolio components

Diversification

Diversification Metrics

Number of Effective Assets

Effective Assets: 2.91

The portfolio contains 12 assets, with an effective number of assets of 2.91, 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.

	^GSPC	VMFXX	BNDX	BND	GLD	FFRHX	VTIP	PHT	VWEHX	VIG	VTI	VEU	VIGI	Portfolio
^GSPC	1.00	-0.02	0.03	0.02	0.04	0.28	0.11	0.46	0.43	0.91	0.99	0.79	0.77	0.40
VMFXX	-0.02	1.00	0.03	0.03	-0.02	0.25	0.02	0.05	0.26	-0.02	-0.02	-0.05	-0.03	-0.01
BNDX	0.03	0.03	1.00	0.76	0.28	-0.03	0.42	0.14	0.21	0.06	0.04	0.05	0.11	0.29
BND	0.02	0.03	0.76	1.00	0.39	-0.00	0.56	0.15	0.25	0.05	0.02	0.06	0.12	0.37
GLD	0.04	-0.02	0.28	0.39	1.00	0.03	0.40	0.12	0.10	0.04	0.04	0.21	0.21	0.90
FFRHX	0.28	0.25	-0.03	-0.00	0.03	1.00	0.08	0.31	0.52	0.27	0.29	0.31	0.28	0.16
VTIP	0.11	0.02	0.42	0.56	0.40	0.08	1.00	0.18	0.23	0.11	0.11	0.17	0.18	0.41
PHT	0.46	0.05	0.14	0.15	0.12	0.31	0.18	1.00	0.43	0.43	0.46	0.46	0.45	0.31
VWEHX	0.43	0.26	0.21	0.25	0.10	0.52	0.23	0.43	1.00	0.41	0.44	0.47	0.46	0.29
VIG	0.91	-0.02	0.06	0.05	0.04	0.27	0.11	0.43	0.41	1.00	0.91	0.74	0.74	0.40
VTI	0.99	-0.02	0.04	0.02	0.04	0.29	0.11	0.46	0.44	0.91	1.00	0.80	0.78	0.40
VEU	0.79	-0.05	0.05	0.06	0.21	0.31	0.17	0.46	0.47	0.74	0.80	1.00	0.94	0.51
VIGI	0.77	-0.03	0.11	0.12	0.21	0.28	0.18	0.45	0.46	0.74	0.78	0.94	1.00	0.51
Portfolio	0.40	-0.01	0.29	0.37	0.90	0.16	0.41	0.31	0.29	0.40	0.40	0.51	0.51	1.00

The correlation results are calculated based on daily price changes starting from Mar 3, 2016

Performance Analysis

Risk Analysis

Optimization

Factor Model

Current

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

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