My Portfolio

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

My Portfolio

Currency in USD · Last updated Jun 1, 2025

Asset Allocation

Position	Category/Sector	Target Weight
AI C3.ai, Inc.	Technology	5%
GPSA.L iShares MSCI USA ESG Screened UCITS ETF USD (Acc)	Large Cap Blend Equities	20%
HSTC.L HSBC Hang Seng Tech UCITS ETF	Technology Equities	10%
IAU iShares Gold Trust	Precious Metals, Gold	1.87%
ITOT iShares Core S&P Total U.S. Stock Market ETF	Large Cap Growth Equities	9.81%
NU Nu Holdings Ltd.	Financial Services	10%
SCHD Schwab US Dividend Equity ETF	Large Cap Growth Equities, Dividend	15%
SCHG Schwab U.S. Large-Cap Growth ETF	Large Cap Growth Equities	7.46%
SCHV Schwab U.S. Large-Cap Value ETF	Large Cap Blend Equities	10%
SLV iShares Silver Trust	Precious Metals	3.99%
SMH VanEck Vectors Semiconductor ETF	Technology Equities	1.87%
SPYD SPDR Portfolio S&P 500 High Dividend ETF	All Cap Equities, Dividend	5%

Benchmark

S&P 500

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is Dec 9, 2021, corresponding to the inception date of NU

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	0.51%	5.49%	-2.00%	12.02%	14.19%	10.85%
My Portfolio	2.53%	3.88%	-2.65%	11.78%	N/A	N/A
Portfolio components:
GPSA.L iShares MSCI USA ESG Screened UCITS ETF USD (Acc)	-0.61%	7.48%	-2.37%	15.19%	14.26%	N/A
ITOT iShares Core S&P Total U.S. Stock Market ETF	0.35%	5.67%	-2.69%	12.76%	15.23%	12.20%
SCHG Schwab U.S. Large-Cap Growth ETF	-1.01%	7.20%	-0.61%	17.22%	18.23%	15.84%
IAU iShares Gold Trust	25.55%	2.14%	23.70%	41.30%	13.46%	10.41%
SLV iShares Silver Trust	13.94%	2.08%	7.45%	8.07%	12.48%	6.44%
SMH VanEck Vectors Semiconductor ETF	-1.00%	12.93%	-0.54%	0.14%	28.60%	24.75%
SPYD SPDR Portfolio S&P 500 High Dividend ETF	-0.81%	1.46%	-8.16%	8.64%	13.74%	N/A
SCHD Schwab US Dividend Equity ETF	-3.35%	1.79%	-9.75%	3.76%	12.22%	10.58%
AI C3.ai, Inc.	-22.77%	21.80%	-28.48%	-10.08%	N/A	N/A
SCHV Schwab U.S. Large-Cap Value ETF	3.34%	3.88%	-3.57%	12.36%	15.55%	11.89%
NU Nu Holdings Ltd.	15.93%	-2.67%	-4.15%	1.09%	N/A	N/A
HSTC.L HSBC Hang Seng Tech UCITS ETF	14.48%	-0.15%	15.97%	38.16%	N/A	N/A

*Annualized

Monthly Returns

The table below presents the monthly returns of My Portfolio, 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	5.65%	-2.49%	-3.78%	-0.44%	3.90%								2.53%
2024	-1.61%	8.96%	2.95%	-4.04%	5.73%	2.67%	0.52%	3.87%	3.09%	1.45%	2.41%	-5.05%	22.07%
2023	10.48%	-1.56%	6.83%	-5.63%	11.83%	5.34%	5.91%	-7.48%	-5.01%	-0.59%	7.96%	3.91%	34.08%
2022	-6.83%	-2.15%	1.39%	-8.77%	-2.20%	-5.77%	4.72%	-2.41%	-9.47%	5.55%	6.88%	-3.21%	-21.50%
2021												0.45%	0.45%

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Expense Ratio

My Portfolio has an expense ratio of 0.12%, 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.

SLV

iShares Silver Trust

HSTC.L

HSBC Hang Seng Tech UCITS ETF

SMH

VanEck Vectors Semiconductor ETF

IAU

iShares Gold Trust

GPSA.L

iShares MSCI USA ESG Screened UCITS ETF USD (Acc)

SPYD

SPDR Portfolio S&P 500 High Dividend ETF

SCHD

Schwab US Dividend Equity ETF

SCHG

Schwab U.S. Large-Cap Growth ETF

SCHV

Schwab U.S. Large-Cap Value ETF

ITOT

iShares Core S&P Total U.S. Stock Market ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of My Portfolio is 27, indicating average performance compared to other portfolios on our website. Here’s 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.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
GPSA.L iShares MSCI USA ESG Screened UCITS ETF USD (Acc)	0.77	1.01	1.14	0.59	2.20
ITOT iShares Core S&P Total U.S. Stock Market ETF	0.67	0.94	1.14	0.59	2.20
SCHG Schwab U.S. Large-Cap Growth ETF	0.67	0.93	1.13	0.59	1.94
IAU iShares Gold Trust	2.24	2.95	1.38	4.75	12.98
SLV iShares Silver Trust	0.19	0.44	1.06	0.30	0.61
SMH VanEck Vectors Semiconductor ETF	-0.01	0.14	1.02	-0.13	-0.29
SPYD SPDR Portfolio S&P 500 High Dividend ETF	0.69	0.92	1.13	0.59	1.78
SCHD Schwab US Dividend Equity ETF	0.34	0.49	1.07	0.27	0.82
AI C3.ai, Inc.	-0.11	0.20	1.02	-0.18	-0.37
SCHV Schwab U.S. Large-Cap Value ETF	0.87	1.20	1.18	0.84	3.06
NU Nu Holdings Ltd.	-0.03	0.29	1.04	-0.03	-0.05
HSTC.L HSBC Hang Seng Tech UCITS ETF	0.85	1.37	1.18	0.74	2.75

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.

My Portfolio Sharpe ratios as of Jun 1, 2025 (values are recalculated daily):

1-Year: 0.66
All Time: 0.41

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 0.59 to 1.13, 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 My Portfolio compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

Dividend yield

My Portfolio provided a 1.21% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	1.21%	1.15%	1.19%	1.22%	0.95%	1.22%	1.24%	1.34%	1.13%	1.32%	1.10%	0.95%
Portfolio components:
GPSA.L iShares MSCI USA ESG Screened UCITS ETF USD (Acc)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ITOT iShares Core S&P Total U.S. Stock Market ETF	1.26%	1.23%	1.47%	1.66%	1.18%	1.41%	1.88%	2.14%	1.69%	1.83%	2.01%	2.20%
SCHG Schwab U.S. Large-Cap Growth ETF	0.41%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%	1.09%
IAU iShares 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%
SLV iShares Silver 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%
SMH VanEck Vectors Semiconductor ETF	0.45%	0.44%	0.60%	1.18%	0.51%	0.69%	1.50%	1.88%	1.43%	0.80%	2.14%	1.16%
SPYD SPDR Portfolio S&P 500 High Dividend ETF	4.50%	4.31%	4.66%	5.01%	3.69%	4.96%	4.42%	4.75%	4.64%	4.34%	1.13%	0.00%
SCHD Schwab US Dividend Equity ETF	3.97%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%	2.63%
AI C3.ai, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SCHV Schwab U.S. Large-Cap Value ETF	2.23%	2.25%	2.42%	2.38%	1.93%	3.03%	3.02%	3.05%	2.37%	3.96%	2.69%	2.38%
NU Nu Holdings Ltd.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
HSTC.L HSBC Hang Seng Tech UCITS ETF	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	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 My Portfolio. 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 My Portfolio was 30.46%, occurring on Oct 11, 2022. Recovery took 171 trading sessions.

The current My Portfolio drawdown is 5.62%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-30.46%	Dec 13, 2021	216	Oct 11, 2022	171	Jun 13, 2023	387
-18.49%	Feb 20, 2025	33	Apr 7, 2025	—	—	—
-14.94%	Aug 2, 2023	45	Oct 3, 2023	91	Feb 9, 2024	136
-9.79%	Jul 17, 2024	14	Aug 5, 2024	19	Aug 30, 2024	33
-7.49%	Nov 12, 2024	43	Jan 13, 2025	20	Feb 10, 2025	63

Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

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 12 assets, with an effective number of assets of 8.70, 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.

	^GSPC	IAU	SLV	HSTC.L	NU	AI	GPSA.L	SPYD	SMH	SCHD	SCHG	SCHV	ITOT	Portfolio
^GSPC	1.00	0.11	0.21	0.29	0.51	0.59	0.65	0.68	0.83	0.76	0.95	0.84	0.99	0.83
IAU	0.11	1.00	0.78	0.15	0.08	0.09	0.16	0.15	0.10	0.12	0.08	0.14	0.12	0.21
SLV	0.21	0.78	1.00	0.23	0.15	0.13	0.22	0.21	0.20	0.18	0.18	0.22	0.22	0.31
HSTC.L	0.29	0.15	0.23	1.00	0.21	0.27	0.37	0.26	0.29	0.25	0.27	0.27	0.30	0.49
NU	0.51	0.08	0.15	0.21	1.00	0.46	0.36	0.29	0.46	0.32	0.53	0.40	0.52	0.67
AI	0.59	0.09	0.13	0.27	0.46	1.00	0.43	0.40	0.54	0.42	0.61	0.49	0.62	0.74
GPSA.L	0.65	0.16	0.22	0.37	0.36	0.43	1.00	0.43	0.55	0.47	0.62	0.54	0.64	0.72
SPYD	0.68	0.15	0.21	0.26	0.29	0.40	0.43	1.00	0.41	0.91	0.48	0.90	0.70	0.64
SMH	0.83	0.10	0.20	0.29	0.46	0.54	0.55	0.41	1.00	0.51	0.86	0.59	0.82	0.71
SCHD	0.76	0.12	0.18	0.25	0.32	0.42	0.47	0.91	0.51	1.00	0.57	0.93	0.77	0.67
SCHG	0.95	0.08	0.18	0.27	0.53	0.61	0.62	0.48	0.86	0.57	1.00	0.66	0.94	0.79
SCHV	0.84	0.14	0.22	0.27	0.40	0.49	0.54	0.90	0.59	0.93	0.66	1.00	0.85	0.74
ITOT	0.99	0.12	0.22	0.30	0.52	0.62	0.64	0.70	0.82	0.77	0.94	0.85	1.00	0.85
Portfolio	0.83	0.21	0.31	0.49	0.67	0.74	0.72	0.64	0.71	0.67	0.79	0.74	0.85	1.00

The correlation results are calculated based on daily price changes starting from Dec 10, 2021

Go to the full Correlations tool for more customization options

Performance Analysis

Risk Analysis

Optimization

Factor Model

My Portfolio

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

Portfolios

Screeners

Community