Gary
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Gary, 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.
The earliest data available for this chart is Nov 23, 2009, corresponding to the inception date of VSBSX
Returns By Period
As of May 9, 2025, the Gary returned -1.25% Year-To-Date and 8.02% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.70% | 13.67% | -5.18% | 9.18% | 14.14% | 10.43% |
| Gary | -1.25% | 8.09% | -2.17% | 8.48% | 9.41% | 8.02% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | -3.64% | 14.17% | -5.14% | 10.03% | 15.30% | 11.75% |
VSBSX Vanguard Short-Term Treasury Index Fund Admiral Shares | 1.94% | -0.02% | 2.48% | 5.65% | 1.11% | 1.47% |
VFIAX Vanguard 500 Index Fund Admiral Shares | -3.31% | 13.75% | -4.56% | 10.62% | 15.85% | 12.37% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | -3.66% | 14.20% | -5.16% | 9.98% | 15.27% | 11.73% |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 2.24% | 0.31% | 1.50% | 5.58% | -0.76% | 1.55% |
Monthly Returns
The table below presents the monthly returns of Gary, 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 | 1.99% | -0.47% | -3.36% | -0.24% | 0.91% | -1.25% | |||||||
| 2024 | 0.81% | 2.85% | 2.20% | -3.12% | 3.35% | 2.27% | 1.69% | 1.79% | 1.67% | -1.09% | 4.14% | -2.02% | 15.24% |
| 2023 | 4.81% | -2.11% | 2.64% | 0.90% | -0.03% | 3.89% | 2.15% | -1.14% | -3.40% | -1.72% | 6.65% | 4.03% | 17.39% |
| 2022 | -4.02% | -1.89% | 1.11% | -6.22% | 0.18% | -5.27% | 6.11% | -3.05% | -6.69% | 4.56% | 4.11% | -3.72% | -14.74% |
| 2021 | -0.48% | 1.51% | 2.06% | 3.30% | 0.39% | 1.62% | 1.44% | 1.72% | -2.97% | 4.00% | -0.68% | 2.34% | 14.99% |
| 2020 | 0.50% | -4.33% | -7.62% | 8.17% | 3.35% | 1.47% | 3.75% | 4.24% | -2.34% | -1.48% | 7.18% | 2.72% | 15.43% |
| 2019 | 5.30% | 2.13% | 1.48% | 2.45% | -3.41% | 4.49% | 0.89% | -0.44% | 0.92% | 1.39% | 2.24% | 1.78% | 20.68% |
| 2018 | 2.97% | -2.48% | -1.15% | 0.05% | 1.79% | 0.41% | 2.09% | 2.22% | 0.06% | -4.45% | 1.38% | -4.82% | -2.27% |
| 2017 | 1.22% | 2.42% | 0.06% | 0.81% | 0.84% | 0.49% | 1.28% | 0.34% | 1.25% | 1.34% | 1.78% | 0.76% | 13.32% |
| 2016 | -2.84% | 0.13% | 4.28% | 0.42% | 1.04% | 0.66% | 2.45% | 0.06% | 0.08% | -1.42% | 1.90% | 1.27% | 8.14% |
| 2015 | -1.12% | 3.10% | -0.67% | 0.33% | 0.72% | -1.25% | 1.25% | -3.73% | -1.38% | 4.86% | 0.20% | -1.25% | 0.79% |
| 2014 | -1.61% | 2.91% | 0.27% | 0.35% | 1.56% | 1.49% | -1.14% | 2.71% | -1.28% | 1.83% | 1.69% | -0.07% | 8.93% |
Expense Ratio
Gary has an expense ratio of 0.05%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of Gary is 62, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.
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 | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 0.51 | 0.84 | 1.12 | 0.52 | 1.99 |
VSBSX Vanguard Short-Term Treasury Index Fund Admiral Shares | 3.41 | 5.50 | 1.78 | 6.11 | 16.83 |
VFIAX Vanguard 500 Index Fund Admiral Shares | 0.55 | 0.90 | 1.13 | 0.57 | 2.23 |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | 0.51 | 0.84 | 1.12 | 0.52 | 1.98 |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 1.06 | 1.58 | 1.19 | 0.45 | 2.67 |
Dividends
Dividend yield
Gary provided a 2.32% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.32% | 2.32% | 2.14% | 1.73% | 1.18% | 1.54% | 2.08% | 2.14% | 1.76% | 1.83% | 1.84% | 1.67% |
| Portfolio components: | ||||||||||||
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% |
VSBSX Vanguard Short-Term Treasury Index Fund Admiral Shares | 4.15% | 4.15% | 3.29% | 1.12% | 0.33% | 1.11% | 2.27% | 1.80% | 1.09% | 0.81% | 0.67% | 0.40% |
VFIAX Vanguard 500 Index Fund Admiral Shares | 1.33% | 1.24% | 1.45% | 1.68% | 1.24% | 1.53% | 1.87% | 2.05% | 1.78% | 2.02% | 2.10% | 1.85% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | 1.34% | 1.26% | 1.43% | 1.65% | 1.20% | 1.41% | 1.77% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 3.44% | 3.69% | 3.11% | 2.51% | 1.90% | 2.23% | 2.74% | 2.78% | 2.51% | 2.49% | 2.48% | 2.55% |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the Gary. 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 Gary was 20.91%, occurring on Mar 23, 2020. Recovery took 82 trading sessions.
The current Gary drawdown is 4.14%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -20.91% | Feb 20, 2020 | 23 | Mar 23, 2020 | 82 | Jul 20, 2020 | 105 |
| -19.23% | Dec 28, 2021 | 202 | Oct 14, 2022 | 316 | Jan 19, 2024 | 518 |
| -11.43% | Sep 21, 2018 | 65 | Dec 24, 2018 | 56 | Mar 18, 2019 | 121 |
| -11.32% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -11.16% | Jul 8, 2011 | 61 | Oct 3, 2011 | 78 | Jan 25, 2012 | 139 |
Volatility
Volatility Chart
The current Gary 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.
Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 5 assets, with an effective number of assets of 5.00, 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
| ^GSPC | VSBSX | VBTLX | VTI | VTSAX | VFIAX | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.17 | -0.19 | 0.99 | 0.99 | 1.00 | 0.99 |
| VSBSX | -0.17 | 1.00 | 0.71 | -0.17 | -0.17 | -0.17 | -0.08 |
| VBTLX | -0.19 | 0.71 | 1.00 | -0.19 | -0.19 | -0.19 | -0.09 |
| VTI | 0.99 | -0.17 | -0.19 | 1.00 | 1.00 | 0.99 | 0.99 |
| VTSAX | 0.99 | -0.17 | -0.19 | 1.00 | 1.00 | 0.99 | 0.99 |
| VFIAX | 1.00 | -0.17 | -0.19 | 0.99 | 0.99 | 1.00 | 0.99 |
| Portfolio | 0.99 | -0.08 | -0.09 | 0.99 | 0.99 | 0.99 | 1.00 |