Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
VGSH Vanguard Short-Term Treasury ETF | Government Bonds, Short-Term Bond | 10% |
VONG Vanguard Russell 1000 Growth ETF | Large Cap Growth Equities | 20% |
VOO Vanguard S&P 500 ETF | S&P 500 | 70% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 2025, 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 never rebalanced.
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The earliest data available for this chart is Sep 22, 2010, corresponding to the inception date of VONG
Returns By Period
As of Apr 2, 2026, the 2025 returned -5.01% Year-To-Date and 14.40% 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 2025 | 0.08% | -3.47% | -5.01% | -3.40% | 17.39% | 18.92% | 11.89% | 14.40% |
| Portfolio components: | ||||||||
VOO Vanguard S&P 500 ETF | 0.11% | -3.33% | -3.55% | -1.41% | 17.60% | 18.47% | 11.96% | 14.19% |
VONG Vanguard Russell 1000 Growth ETF | -0.01% | -4.03% | -8.98% | -8.58% | 17.79% | 21.43% | 12.55% | 16.78% |
VGSH Vanguard Short-Term Treasury ETF | 0.09% | -0.23% | 0.34% | 1.33% | 3.82% | 3.98% | 1.80% | 1.74% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 23, 2010, 2025's average daily return is +0.06%, while the average monthly return is +1.16%. At this rate, your investment would double in approximately 5.0 years.
Historically, 68% of months were positive and 32% were negative. The best month was Apr 2020 with a return of +12.8%, while the worst month was Mar 2020 at -11.4%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, 2025 closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +9.7%, 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 | 0.63% | -1.52% | -4.99% | 0.89% | -5.01% | ||||||||
| 2025 | 2.45% | -1.89% | -6.27% | -0.14% | 6.91% | 5.42% | 2.68% | 1.78% | 3.96% | 2.72% | -0.36% | -0.12% | 17.78% |
| 2024 | 1.80% | 5.51% | 2.81% | -3.99% | 5.21% | 4.35% | 0.36% | 2.28% | 2.30% | -0.77% | 5.98% | -1.42% | 26.71% |
| 2023 | 6.64% | -2.16% | 4.45% | 1.40% | 1.51% | 6.39% | 3.28% | -1.39% | -4.85% | -1.92% | 9.43% | 4.48% | 29.69% |
| 2022 | -6.05% | -3.26% | 3.73% | -9.46% | -0.39% | -8.00% | 9.64% | -4.18% | -9.07% | 7.27% | 5.09% | -6.02% | -20.83% |
| 2021 | -0.90% | 1.92% | 3.71% | 5.56% | 0.11% | 3.21% | 2.61% | 3.11% | -4.83% | 7.31% | -0.34% | 3.76% | 27.66% |
Benchmark Metrics
2025 has an annualized alpha of 2.04%, beta of 0.97, and R² of 0.99 versus S&P 500 Index. Calculated based on daily prices since September 23, 2010.
- This portfolio captured 102.90% of S&P 500 Index gains but only 93.56% of its losses — a favorable profile for investors.
- This portfolio generated an annualized alpha of 2.04% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- With beta of 0.97 and R² of 0.99, 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
- 2.04%
- Beta
- 0.97
- R²
- 0.99
- Upside Capture
- 102.90%
- Downside Capture
- 93.56%
Expense Ratio
2025 has an expense ratio of 0.04%, 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
2025 ranks 30 for risk / return — below 30% 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 | 0.93 | 0.88 | +0.05 |
Sortino ratioReturn per unit of downside risk | 1.44 | 1.37 | +0.07 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.21 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.39 | +0.13 |
Martin ratioReturn relative to average drawdown | 6.44 | 6.43 | 0.00 |
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 |
VONG Vanguard Russell 1000 Growth ETF | 39 | 0.80 | 1.30 | 1.18 | 1.15 | 3.86 |
VGSH Vanguard Short-Term Treasury ETF | 96 | 2.67 | 4.30 | 1.58 | 4.26 | 16.01 |
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Dividends
Dividend yield
2025 provided a 1.32% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.32% | 1.28% | 1.40% | 1.49% | 1.50% | 1.05% | 1.41% | 1.75% | 1.86% | 1.59% | 1.79% | 1.84% |
| 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% |
VONG Vanguard Russell 1000 Growth ETF | 0.50% | 0.45% | 0.55% | 0.71% | 0.98% | 0.58% | 0.77% | 1.03% | 1.18% | 1.19% | 1.48% | 1.47% |
VGSH Vanguard Short-Term Treasury ETF | 3.92% | 4.00% | 4.18% | 3.31% | 1.15% | 0.66% | 1.74% | 2.28% | 1.79% | 1.10% | 0.84% | 0.69% |
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 2025. 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 2025 was 32.30%, occurring on Mar 23, 2020. Recovery took 84 trading sessions.
The current 2025 drawdown is 6.59%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -32.3% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -26.14% | Dec 28, 2021 | 200 | Oct 12, 2022 | 294 | Dec 13, 2023 | 494 |
| -19.51% | Feb 20, 2025 | 34 | Apr 8, 2025 | 54 | Jun 26, 2025 | 88 |
| -19.23% | Oct 2, 2018 | 58 | Dec 24, 2018 | 71 | Apr 8, 2019 | 129 |
| -16.85% | May 2, 2011 | 108 | Oct 3, 2011 | 85 | Feb 3, 2012 | 193 |
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 3 assets, with an effective number of assets of 1.85, 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 | VGSH | VONG | VOO | Portfolio | |
|---|---|---|---|---|---|
| Benchmark | 1.00 | -0.14 | 0.94 | 1.00 | 0.99 |
| VGSH | -0.14 | 1.00 | -0.12 | -0.13 | -0.13 |
| VONG | 0.94 | -0.12 | 1.00 | 0.93 | 0.96 |
| VOO | 1.00 | -0.13 | 0.93 | 1.00 | 0.99 |
| Portfolio | 0.99 | -0.13 | 0.96 | 0.99 | 1.00 |