Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash)

Asset Allocation

Position	Category/Sector	Target Weight
IEMG iShares Core MSCI Emerging Markets ETF	Emerging Markets Diversified	10%
IWF iShares Russell 1000 Growth ETF	Large Cap Growth Equities	15%
QQQM Invesco NASDAQ 100 ETF	Large Cap Growth Equities	15%
RZG Invesco S&P SmallCap 600® Pure Growth ETF	Small Cap Growth Equities	10%
SHV iShares Short Treasury Bond ETF	Government Bonds	15%
VGT Vanguard Information Technology ETF	Technology Equities	5%
VOT Vanguard Mid-Cap Growth ETF	Mid Cap Growth Equities	10%
VUG Vanguard Growth ETF	Large Cap Growth Equities	15%
VXUS Vanguard Total International Stock ETF	Foreign Large Cap Equities	5%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash), 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 Oct 13, 2020, corresponding to the inception date of QQQM

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-2.33%	-3.84%	-1.98%	29.73%	16.86%	10.37%	12.29%
Portfolio Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash)	0.03%	-1.54%	-2.96%	-2.45%	30.34%	17.02%	8.78%	—
Portfolio components:
VUG Vanguard Growth ETF	0.11%	-3.40%	-9.29%	-7.99%	32.91%	21.67%	11.69%	16.20%
IWF iShares Russell 1000 Growth ETF	-0.02%	-3.72%	-9.06%	-8.32%	32.55%	21.30%	12.41%	16.66%
QQQM Invesco NASDAQ 100 ETF	0.12%	-2.34%	-4.64%	-2.75%	38.94%	23.07%	13.26%	—
VOT Vanguard Mid-Cap Growth ETF	0.33%	-3.61%	-6.17%	-11.35%	19.31%	11.14%	4.37%	10.84%
RZG Invesco S&P SmallCap 600® Pure Growth ETF	0.55%	2.69%	6.76%	6.25%	36.62%	14.48%	2.65%	9.11%
IEMG iShares Core MSCI Emerging Markets ETF	-1.02%	-1.32%	3.48%	5.73%	42.53%	15.85%	4.31%	8.31%
VXUS Vanguard Total International Stock ETF	-0.68%	-0.54%	2.81%	5.79%	39.16%	15.41%	7.43%	9.01%
VGT Vanguard Information Technology ETF	0.85%	-0.78%	-5.36%	-5.50%	49.54%	23.50%	15.02%	21.67%
SHV iShares Short Treasury Bond ETF	0.04%	0.26%	0.86%	1.80%	3.96%	4.70%	3.20%	2.17%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 14, 2020, Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash)'s average daily return is +0.04%, while the average monthly return is +0.90%. At this rate, your investment would double in approximately 6.4 years.

Historically, 61% of months were positive and 39% were negative. The best month was Nov 2020 with a return of +10.1%, while the worst month was Apr 2022 at -9.6%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) closed higher 54% of trading days. The best single day was Apr 9, 2025 with a return of +8.7%, while the worst single day was Apr 4, 2025 at -4.9%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.31%	-0.33%	-4.81%	0.96%									-2.96%
2025	2.34%	-2.30%	-4.86%	1.09%	6.72%	5.36%	2.10%	1.54%	3.78%	2.50%	-1.24%	-0.09%	17.65%
2024	0.33%	4.78%	1.90%	-3.25%	4.34%	3.53%	0.69%	1.05%	2.36%	-1.15%	5.29%	-1.63%	19.38%
2023	7.79%	-1.55%	4.50%	-0.01%	3.06%	5.65%	3.42%	-2.08%	-4.31%	-2.42%	8.89%	4.96%	30.51%
2022	-7.18%	-2.94%	1.61%	-9.64%	-0.71%	-7.08%	9.00%	-3.82%	-8.82%	4.23%	5.73%	-5.99%	-24.43%
2021	0.93%	1.21%	0.72%	4.11%	-0.40%	4.09%	1.12%	2.67%	-4.21%	5.80%	-0.59%	1.74%	18.17%

Benchmark Metrics

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) has an annualized alpha of -1.12%, beta of 0.96, and R² of 0.93 versus S&P 500 Index. Calculated based on daily prices since October 14, 2020.

This portfolio participated in 92.67% of S&P 500 Index downside but only 86.66% of its upside — more exposed to losses than it benefited from rallies.
With beta of 0.96 and R² of 0.93, 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: -1.12%

Beta: 0.96

R²: 0.93

Upside Capture: 86.66%

Downside Capture: 92.67%

Expense Ratio

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) has an expense ratio of 0.14%, 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.

RZG

Invesco S&P SmallCap 600® Pure Growth ETF

IWF

iShares Russell 1000 Growth ETF

QQQM

Invesco NASDAQ 100 ETF

SHV

iShares Short Treasury Bond ETF

IEMG

iShares Core MSCI Emerging Markets ETF

VGT

Vanguard Information Technology ETF

VOT

Vanguard Mid-Cap Growth ETF

VXUS

Vanguard Total International Stock ETF

VUG

Vanguard Growth ETF

Return for Risk

Risk / Return Rank

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) ranks 38 for risk / return — below 38% 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.

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	1.06	0.88	+0.18
Sortino ratio Return per unit of downside risk	1.63	1.37	+0.26
Omega ratio Gain probability vs. loss probability	1.23	1.21	+0.03
Calmar ratio Return relative to maximum drawdown	1.79	1.39	+0.40
Martin ratio Return relative to average drawdown	7.39	6.43	+0.96
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
VUG Vanguard Growth ETF	38	0.78	1.27	1.18	1.13	3.90
IWF iShares Russell 1000 Growth ETF	38	0.79	1.30	1.18	1.14	3.83
QQQM Invesco NASDAQ 100 ETF	59	1.05	1.63	1.23	1.95	7.03
VOT Vanguard Mid-Cap Growth ETF	18	0.27	0.54	1.07	0.43	1.32
RZG Invesco S&P SmallCap 600® Pure Growth ETF	55	1.00	1.55	1.20	1.84	7.65
IEMG iShares Core MSCI Emerging Markets ETF	77	1.62	2.21	1.32	2.43	9.12
VXUS Vanguard Total International Stock ETF	78	1.63	2.25	1.33	2.52	9.49
VGT Vanguard Information Technology ETF	57	1.10	1.67	1.23	1.88	5.72
SHV iShares Short Treasury Bond ETF	100	19.57	153.80	55.27	443.15	2,490.75

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.

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) Sharpe ratios as of Apr 4, 2026 (values are recalculated daily):

1-Year: 1.06
5-Year: 0.52
All Time: 0.62

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 0.99 to 1.69, 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 Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) 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

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) provided a 1.35% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.35%	1.36%	1.66%	1.69%	1.28%	0.76%	0.77%	1.29%	1.27%	0.98%	1.06%	1.02%
Portfolio components:
VUG Vanguard Growth ETF	0.45%	0.41%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%
IWF iShares Russell 1000 Growth ETF	0.39%	0.36%	0.46%	0.67%	0.91%	0.49%	0.66%	0.99%	1.27%	1.10%	1.43%	1.37%
QQQM Invesco NASDAQ 100 ETF	0.53%	0.50%	0.61%	0.65%	0.83%	0.40%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%
VOT Vanguard Mid-Cap Growth ETF	0.71%	0.64%	0.67%	0.71%	0.78%	0.34%	0.56%	0.78%	0.84%	0.72%	0.81%	0.81%
RZG Invesco S&P SmallCap 600® Pure Growth ETF	0.46%	0.37%	0.95%	1.43%	1.59%	0.22%	0.49%	0.70%	0.46%	0.44%	0.65%	0.70%
IEMG iShares Core MSCI Emerging Markets ETF	2.66%	2.75%	3.20%	2.89%	2.71%	3.06%	1.87%	3.15%	2.76%	2.35%	2.28%	2.53%
VXUS Vanguard Total International Stock ETF	2.95%	3.18%	3.37%	3.24%	3.09%	3.10%	2.14%	3.06%	3.18%	2.73%	2.93%	2.83%
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%
SHV iShares Short Treasury Bond ETF	3.93%	4.09%	5.02%	4.73%	1.39%	0.00%	0.74%	2.19%	1.66%	0.72%	0.34%	0.03%

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 Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash). 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 Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) was 29.09%, occurring on Oct 14, 2022. Recovery took 329 trading sessions.

The current Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash) drawdown is 5.66%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-29.09%	Nov 17, 2021	229	Oct 14, 2022	329	Feb 7, 2024	558
-17.86%	Feb 19, 2025	35	Apr 8, 2025	41	Jun 6, 2025	76
-9.4%	Jan 29, 2026	42	Mar 30, 2026	—	—	—
-9.06%	Jul 17, 2024	14	Aug 5, 2024	37	Sep 26, 2024	51
-8.49%	Feb 16, 2021	15	Mar 8, 2021	34	Apr 26, 2021	49

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 9 assets, with an effective number of assets of 8.00, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

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	SHV	IEMG	RZG	VXUS	VOT	VGT	QQQM	VUG	IWF	Portfolio
Benchmark	1.00	0.03	0.65	0.78	0.77	0.88	0.91	0.92	0.93	0.94	0.95
SHV	0.03	1.00	0.06	0.01	0.07	0.03	0.03	0.03	0.03	0.03	0.04
IEMG	0.65	0.06	1.00	0.59	0.89	0.64	0.63	0.64	0.62	0.62	0.74
RZG	0.78	0.01	0.59	1.00	0.71	0.82	0.68	0.68	0.68	0.69	0.81
VXUS	0.77	0.07	0.89	0.71	1.00	0.72	0.67	0.69	0.68	0.68	0.80
VOT	0.88	0.03	0.64	0.82	0.72	1.00	0.85	0.85	0.87	0.86	0.92
VGT	0.91	0.03	0.63	0.68	0.67	0.85	1.00	0.97	0.96	0.97	0.95
QQQM	0.92	0.03	0.64	0.68	0.69	0.85	0.97	1.00	0.98	0.98	0.96
VUG	0.93	0.03	0.62	0.68	0.68	0.87	0.96	0.98	1.00	1.00	0.97
IWF	0.94	0.03	0.62	0.69	0.68	0.86	0.97	0.98	1.00	1.00	0.97
Portfolio	0.95	0.04	0.74	0.81	0.80	0.92	0.95	0.96	0.97	0.97	1.00

The correlation results are calculated based on daily price changes starting from Oct 14, 2020

Aggressive, Low-Cost ETF Portfolio (85% Invested / 15% Cash)

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

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