Roth IRA

Asset Allocation

Position	Category/Sector	Target Weight
AVGO Broadcom Inc.	Technology	2.28%
AVUV Avantis US Small Cap Value ETF	Small Cap Value Equities	10%
FUTY Fidelity MSCI Utilities Index ETF	Utilities Equities	3%
GRID First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index	Alternative Energy Equities	10%
JNJ Johnson & Johnson	Healthcare	5%
NVDA NVIDIA Corporation	Technology	9.72%
QQQM Invesco NASDAQ 100 ETF	Large Cap Growth Equities	15%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	5%
VOO Vanguard S&P 500 ETF	S&P 500	30%
VXUS Vanguard Total International Stock ETF	Foreign Large Cap Equities	5%
WPM Wheaton Precious Metals Corp.	Basic Materials	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 Roth IRA, 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%	-4.18%	-3.84%	-1.98%	21.98%	16.86%	10.37%	12.29%
Portfolio Roth IRA	0.09%	-3.45%	2.18%	4.41%	40.00%	28.28%	20.21%	—
Portfolio components:
VOO Vanguard S&P 500 ETF	0.11%	-4.01%	-3.55%	-1.41%	23.49%	18.47%	11.96%	14.19%
NVDA NVIDIA Corporation	0.93%	-3.08%	-4.88%	-5.44%	74.29%	85.17%	66.71%	70.07%
AVGO Broadcom Inc.	0.34%	-0.73%	-8.93%	-6.67%	105.89%	72.07%	48.84%	38.50%
QQQM Invesco NASDAQ 100 ETF	0.12%	-4.05%	-4.64%	-2.75%	30.45%	23.07%	13.26%	—
GRID First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index	-0.55%	-2.87%	8.48%	9.27%	50.68%	20.80%	15.01%	18.39%
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-2.29%	12.35%	13.59%	18.75%	11.70%	8.35%	12.30%
WPM Wheaton Precious Metals Corp.	-0.91%	-11.81%	15.53%	24.01%	73.88%	41.58%	29.21%	25.65%
VXUS Vanguard Total International Stock ETF	-0.68%	-3.46%	2.81%	5.79%	30.65%	15.41%	7.43%	9.01%
JNJ Johnson & Johnson	-0.44%	-0.92%	18.06%	30.35%	56.31%	19.22%	11.44%	11.41%
AVUV Avantis US Small Cap Value ETF	0.68%	-1.17%	9.54%	11.38%	38.64%	16.21%	10.57%	—

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 14, 2020, Roth IRA's average daily return is +0.09%, while the average monthly return is +1.74%. At this rate, your investment would double in approximately 3.3 years.

Historically, 73% of months were positive and 27% were negative. The best month was Nov 2020 with a return of +10.5%, while the worst month was Apr 2022 at -10.4%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Roth IRA 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 Apr 4, 2025 at -6.0%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	4.12%	2.52%	-5.32%	1.10%									2.18%
2025	1.49%	-0.15%	-4.44%	0.17%	8.51%	6.33%	3.38%	2.76%	4.47%	2.22%	0.11%	0.52%	27.78%
2024	2.16%	6.82%	5.29%	-3.24%	7.28%	2.77%	2.77%	1.80%	2.01%	-0.03%	4.31%	-2.82%	32.57%
2023	9.76%	0.05%	6.02%	0.75%	4.09%	6.86%	4.31%	-1.61%	-5.77%	-3.19%	10.01%	6.09%	42.56%
2022	-6.74%	-1.64%	4.91%	-10.44%	0.67%	-9.69%	9.64%	-5.93%	-9.47%	8.05%	9.48%	-6.11%	-18.73%
2021	0.35%	2.84%	3.62%	4.80%	3.07%	3.59%	1.58%	3.75%	-5.35%	8.17%	2.71%	2.43%	35.84%

Benchmark Metrics

Roth IRA has an annualized alpha of 7.96%, beta of 1.06, and R² of 0.93 versus S&P 500 Index. Calculated based on daily prices since October 14, 2020.

This portfolio captured 129.84% of S&P 500 Index gains but only 92.79% of its losses — a favorable profile for investors.
This portfolio generated an annualized alpha of 7.96% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
With beta of 1.06 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: 7.96%

Beta: 1.06

R²: 0.93

Upside Capture: 129.84%

Downside Capture: 92.79%

Expense Ratio

Roth IRA has an expense ratio of 0.13%, 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.

GRID

First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index

AVUV

Avantis US Small Cap Value ETF

QQQM

Invesco NASDAQ 100 ETF

FUTY

Fidelity MSCI Utilities Index ETF

SCHD

Schwab U.S. Dividend Equity ETF

VXUS

Vanguard Total International Stock ETF

VOO

Vanguard S&P 500 ETF

Return for Risk

Risk / Return Rank

Roth IRA ranks 84 for risk / return — in the top 84% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

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	1.79	0.88	+0.91
Sortino ratio Return per unit of downside risk	2.54	1.37	+1.17
Omega ratio Gain probability vs. loss probability	1.38	1.21	+0.18
Calmar ratio Return relative to maximum drawdown	2.96	1.39	+1.57
Martin ratio Return relative to average drawdown	13.52	6.43	+7.09
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	53	0.98	1.49	1.23	1.53	7.13
NVDA NVIDIA Corporation	81	1.47	2.17	1.27	3.02	7.54
AVGO Broadcom Inc.	84	1.76	2.49	1.32	3.08	7.50
QQQM Invesco NASDAQ 100 ETF	59	1.05	1.63	1.23	1.95	7.03
GRID First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index	92	2.14	2.93	1.40	4.02	14.90
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
WPM Wheaton Precious Metals Corp.	82	1.71	2.01	1.29	2.52	9.35
VXUS Vanguard Total International Stock ETF	78	1.63	2.25	1.33	2.52	9.49
JNJ Johnson & Johnson	97	3.51	4.77	1.64	7.48	25.03
AVUV Avantis US Small Cap Value ETF	62	1.17	1.73	1.24	1.90	7.48

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.

Roth IRA Sharpe ratios as of Apr 4, 2026 (values are recalculated daily):

1-Year: 1.79
5-Year: 1.09
All Time: 1.18

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 is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of Roth IRA 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

Roth IRA provided a 1.21% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.21%	1.27%	1.42%	1.51%	1.62%	1.24%	1.29%	1.41%	1.50%	1.26%	1.37%	1.46%
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%
NVDA NVIDIA Corporation	0.02%	0.02%	0.03%	0.03%	0.11%	0.05%	0.12%	0.27%	0.46%	0.29%	0.45%	1.20%
AVGO Broadcom Inc.	0.79%	0.70%	0.94%	1.71%	3.02%	2.24%	3.05%	3.54%	3.11%	1.87%	1.43%	1.13%
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%
GRID First Trust Nasdaq Clean Edge Smart GRID Infrastructure Index	0.91%	1.01%	1.06%	1.23%	1.26%	0.63%	0.68%	1.26%	1.28%	1.07%	1.07%	1.23%
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
WPM Wheaton Precious Metals Corp.	0.51%	0.56%	1.10%	1.22%	1.54%	1.33%	1.01%	1.21%	1.84%	1.49%	1.09%	0.00%
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%
JNJ Johnson & Johnson	2.14%	2.48%	3.40%	3.00%	2.52%	2.45%	2.53%	2.57%	2.74%	2.38%	2.73%	2.87%
AVUV Avantis US Small Cap Value ETF	1.39%	1.58%	1.61%	1.65%	1.74%	1.28%	1.21%	0.38%	0.00%	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.

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Worst Drawdowns

The table below displays the maximum drawdowns of the Roth IRA. 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 Roth IRA was 28.27%, occurring on Oct 14, 2022. Recovery took 158 trading sessions.

The current Roth IRA drawdown is 5.48%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-28.27%	Dec 28, 2021	202	Oct 14, 2022	158	Jun 2, 2023	360
-18.19%	Feb 20, 2025	34	Apr 8, 2025	33	May 27, 2025	67
-11.32%	Aug 1, 2023	63	Oct 27, 2023	30	Dec 11, 2023	93
-9.65%	Jul 17, 2024	16	Aug 7, 2024	12	Aug 23, 2024	28
-9.37%	Feb 26, 2026	23	Mar 30, 2026	—	—	—

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 11 assets, with an effective number of assets of 6.52, 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	JNJ	WPM	FUTY	NVDA	AVGO	AVUV	SCHD	VXUS	QQQM	GRID	VOO	Portfolio
Benchmark	1.00	0.22	0.28	0.42	0.68	0.69	0.71	0.71	0.77	0.92	0.83	1.00	0.96
JNJ	0.22	1.00	0.15	0.42	-0.07	0.00	0.16	0.45	0.21	0.09	0.14	0.23	0.18
WPM	0.28	0.15	1.00	0.28	0.16	0.21	0.24	0.24	0.43	0.24	0.33	0.28	0.37
FUTY	0.42	0.42	0.28	1.00	0.09	0.14	0.35	0.51	0.36	0.26	0.40	0.42	0.38
NVDA	0.68	-0.07	0.16	0.09	1.00	0.67	0.36	0.27	0.50	0.78	0.60	0.68	0.79
AVGO	0.69	0.00	0.21	0.14	0.67	1.00	0.41	0.36	0.51	0.75	0.62	0.68	0.74
AVUV	0.71	0.16	0.24	0.35	0.36	0.41	1.00	0.81	0.68	0.54	0.73	0.72	0.71
SCHD	0.71	0.45	0.24	0.51	0.27	0.36	0.81	1.00	0.64	0.50	0.64	0.71	0.66
VXUS	0.77	0.21	0.43	0.36	0.50	0.51	0.68	0.64	1.00	0.69	0.83	0.77	0.80
QQQM	0.92	0.09	0.24	0.26	0.78	0.75	0.54	0.50	0.69	1.00	0.76	0.92	0.92
GRID	0.83	0.14	0.33	0.40	0.60	0.62	0.73	0.64	0.83	0.76	1.00	0.83	0.88
VOO	1.00	0.23	0.28	0.42	0.68	0.68	0.72	0.71	0.77	0.92	0.83	1.00	0.96
Portfolio	0.96	0.18	0.37	0.38	0.79	0.74	0.71	0.66	0.80	0.92	0.88	0.96	1.00

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

Roth IRA

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