Bucket with US ETFs

Asset Allocation

Position	Category/Sector	Target Weight
ACWI iShares MSCI ACWI ETF	Large Cap Growth Equities	8.33%
IAU iShares Gold Trust	Gold, Precious Metals	8.33%
ICF iShares Cohen & Steers REIT ETF	REIT	8.33%
IEF iShares 7-10 Year Treasury Bond ETF	Government Bonds	8.33%
IEI iShares 3-7 Year Treasury Bond ETF	Government Bonds	8.33%
IWM iShares Russell 2000 ETF	Small Cap Blend Equities	8.33%
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF	Corporate Bonds	8.33%
SHV iShares Short Treasury Bond ETF	Government Bonds	8.33%
SHY iShares 1-3 Year Treasury Bond ETF	Government Bonds	8.33%
SHYG iShares 0-5 Year High Yield Corporate Bond ETF	High Yield Bonds	8.33%
USIG iShares Broad USD Investment Grade Corporate Bond ETF	Corporate Bonds	8.33%
VLUE iShares Edge MSCI USA Value Factor ETF	Large Cap Value Equities	8.33%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Bucket with US ETFs, 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 17, 2013, corresponding to the inception date of SHYG

Returns By Period

As of Apr 4, 2026, the Bucket with US ETFs returned 1.97% Year-To-Date and 6.18% of annualized return in the last 10 years.

	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 Bucket with US ETFs	0.15%	-1.27%	1.97%	4.09%	17.70%	10.04%	5.09%	6.18%
Portfolio components:
SHV iShares Short Treasury Bond ETF	0.04%	0.26%	0.86%	1.80%	3.96%	4.70%	3.20%	2.17%
SHY iShares 1-3 Year Treasury Bond ETF	0.05%	-0.15%	0.31%	1.28%	3.37%	3.85%	1.71%	1.65%
IEI iShares 3-7 Year Treasury Bond ETF	0.13%	-0.64%	-0.00%	0.91%	2.91%	3.34%	0.48%	1.35%
IEF iShares 7-10 Year Treasury Bond ETF	0.23%	-0.90%	0.01%	0.69%	2.49%	2.14%	-0.73%	0.79%
ACWI iShares MSCI ACWI ETF	-0.16%	-1.58%	-1.45%	0.84%	33.73%	17.05%	9.57%	11.70%
VLUE iShares Edge MSCI USA Value Factor ETF	0.32%	0.89%	6.67%	15.16%	54.95%	18.92%	9.91%	11.92%
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF	0.42%	-0.54%	0.15%	0.05%	4.94%	4.23%	0.20%	2.67%
IWM iShares Russell 2000 ETF	0.69%	0.34%	2.27%	2.75%	40.18%	13.42%	3.61%	10.00%
IAU iShares Gold Trust	-1.94%	-9.32%	8.34%	20.10%	53.58%	32.68%	21.72%	14.14%
USIG iShares Broad USD Investment Grade Corporate Bond ETF	0.29%	-0.56%	0.06%	0.49%	5.05%	4.85%	0.90%	2.75%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 18, 2013, Bucket with US ETFs's average daily return is +0.02%, while the average monthly return is +0.47%. At this rate, your investment would double in approximately 12.3 years.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2023 with a return of +5.5%, while the worst month was Mar 2020 at -6.7%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 4 months.

On a daily basis, Bucket with US ETFs closed higher 56% of trading days. The best single day was Nov 10, 2022 with a return of +3.3%, while the worst single day was Mar 12, 2020 at -4.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.69%	2.40%	-3.65%	0.64%									1.97%
2025	1.80%	1.05%	-0.55%	0.19%	1.36%	2.15%	0.00%	2.56%	2.52%	1.04%	1.29%	0.27%	14.52%
2024	-0.78%	0.71%	2.37%	-2.77%	2.42%	0.67%	3.41%	1.54%	1.80%	-1.33%	2.43%	-3.00%	7.46%
2023	4.91%	-2.95%	1.78%	0.30%	-1.51%	2.00%	1.58%	-1.46%	-3.01%	-1.24%	5.52%	4.42%	10.30%
2022	-3.21%	-0.70%	-0.26%	-4.21%	0.22%	-4.07%	3.90%	-3.04%	-5.62%	2.46%	4.41%	-2.14%	-12.13%
2021	-0.03%	0.41%	1.11%	2.01%	1.31%	0.26%	0.81%	0.56%	-2.17%	1.71%	-0.78%	2.33%	7.70%

Benchmark Metrics

Bucket with US ETFs has an annualized alpha of 1.65%, beta of 0.34, and R² of 0.69 versus S&P 500 Index. Calculated based on daily prices since October 18, 2013.

This portfolio participated in 42.11% of S&P 500 Index downside but only 38.48% of its upside — more exposed to losses than it benefited from rallies.
Beta of 0.34 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 1.65%

Beta: 0.34

R²: 0.69

Upside Capture: 38.48%

Downside Capture: 42.11%

Expense Ratio

Bucket with US ETFs has an expense ratio of 0.20%, 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.

Top 10 holdings

ICF

iShares Cohen & Steers REIT ETF

ACWI

iShares MSCI ACWI ETF

SHYG

iShares 0-5 Year High Yield Corporate Bond ETF

IAU

iShares Gold Trust

IWM

iShares Russell 2000 ETF

SHV

iShares Short Treasury Bond ETF

SHY

iShares 1-3 Year Treasury Bond ETF

IEI

iShares 3-7 Year Treasury Bond ETF

IEF

iShares 7-10 Year Treasury Bond ETF

VLUE

iShares Edge MSCI USA Value Factor ETF

Return for Risk

Risk / Return Rank

Bucket with US ETFs ranks 80 for risk / return — better than 80% of portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

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	1.80	0.88	+0.92
Sortino ratio Return per unit of downside risk	2.54	1.37	+1.18
Omega ratio Gain probability vs. loss probability	1.37	1.21	+0.16
Calmar ratio Return relative to maximum drawdown	2.61	1.39	+1.22
Martin ratio Return relative to average drawdown	10.73	6.43	+4.30
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
SHV iShares Short Treasury Bond ETF	100	19.57	153.80	55.27	443.15	2,490.75
SHY iShares 1-3 Year Treasury Bond ETF	95	2.57	4.23	1.54	4.08	15.52
IEI iShares 3-7 Year Treasury Bond ETF	56	1.17	1.75	1.21	1.75	5.54
IEF iShares 7-10 Year Treasury Bond ETF	31	0.72	1.06	1.12	1.16	2.87
ACWI iShares MSCI ACWI ETF	64	1.19	1.76	1.26	1.82	8.22
VLUE iShares Edge MSCI USA Value Factor ETF	88	1.97	2.64	1.38	3.08	13.28
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF	35	0.73	1.03	1.14	1.50	4.10
IWM iShares Russell 2000 ETF	58	1.10	1.64	1.21	1.99	7.27
IAU iShares Gold Trust	79	1.78	2.21	1.33	2.58	9.32
USIG iShares Broad USD Investment Grade Corporate Bond ETF	50	1.00	1.37	1.19	1.85	5.67

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.

Bucket with US ETFs Sharpe ratios as of Apr 4, 2026 (values are recalculated daily):

1-Year: 1.80
5-Year: 0.67
10-Year: 0.83
All Time: 0.81

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 Bucket with US ETFs 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

Bucket with US ETFs provided a 3.21% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	3.21%	3.24%	3.32%	3.01%	2.26%	1.50%	1.81%	2.43%	2.51%	2.09%	2.15%	2.13%
Portfolio components:
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%
SHY iShares 1-3 Year Treasury Bond ETF	3.72%	3.81%	3.92%	2.99%	1.30%	0.26%	0.94%	2.12%	1.72%	0.98%	0.71%	0.54%
IEI iShares 3-7 Year Treasury Bond ETF	3.58%	3.48%	3.18%	2.36%	1.37%	0.73%	1.12%	2.01%	1.95%	1.51%	1.33%	1.39%
IEF iShares 7-10 Year Treasury Bond ETF	3.84%	3.77%	3.62%	2.91%	1.96%	0.83%	1.08%	2.08%	2.24%	1.82%	1.81%	1.90%
ACWI iShares MSCI ACWI ETF	1.58%	1.55%	1.70%	1.88%	1.79%	1.71%	1.43%	2.33%	2.18%	1.94%	2.19%	2.56%
VLUE iShares Edge MSCI USA Value Factor ETF	1.96%	2.11%	2.73%	2.66%	3.18%	2.22%	2.42%	2.61%	2.70%	2.14%	2.07%	2.39%
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF	4.54%	4.48%	4.45%	3.99%	3.30%	2.30%	2.66%	3.29%	3.67%	3.10%	3.34%	3.47%
IWM iShares Russell 2000 ETF	1.01%	1.04%	1.15%	1.35%	1.48%	0.94%	1.04%	1.26%	1.40%	1.26%	1.38%	1.54%
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%
USIG iShares Broad USD Investment Grade Corporate Bond ETF	4.69%	4.62%	4.51%	3.94%	3.14%	2.33%	2.82%	3.37%	3.44%	3.03%	2.87%	3.24%

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 Bucket with US ETFs. 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 Bucket with US ETFs was 16.80%, occurring on Oct 14, 2022. Recovery took 431 trading sessions.

The current Bucket with US ETFs drawdown is 3.03%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-16.8%	Nov 10, 2021	234	Oct 14, 2022	431	Jul 5, 2024	665
-16.43%	Feb 24, 2020	20	Mar 20, 2020	85	Jul 22, 2020	105
-6.6%	Apr 16, 2015	193	Jan 20, 2016	61	Apr 18, 2016	254
-6%	Aug 30, 2018	80	Dec 24, 2018	25	Jan 31, 2019	105
-5.68%	Dec 2, 2024	87	Apr 8, 2025	23	May 12, 2025	110

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 12.00, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

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	IAU	SHY	ICF	SHYG	IEF	IWM	IEI	VLUE	USIG	LQD	ACWI	Portfolio
Benchmark	1.00	-0.03	0.01	-0.09	0.54	0.69	-0.15	0.82	-0.14	0.84	0.11	0.15	0.95	0.78
SHV	-0.03	1.00	0.13	0.28	0.03	0.04	0.21	-0.05	0.23	-0.04	0.18	0.16	-0.02	0.07
IAU	0.01	0.13	1.00	0.37	0.11	0.09	0.36	0.02	0.38	-0.00	0.32	0.32	0.09	0.36
SHY	-0.09	0.28	0.37	1.00	0.16	0.11	0.78	-0.08	0.87	-0.12	0.65	0.62	-0.06	0.26
ICF	0.54	0.03	0.11	0.16	1.00	0.46	0.15	0.51	0.16	0.50	0.29	0.31	0.53	0.72
SHYG	0.69	0.04	0.09	0.11	0.46	1.00	0.07	0.64	0.08	0.63	0.33	0.36	0.71	0.72
IEF	-0.15	0.21	0.36	0.78	0.15	0.07	1.00	-0.15	0.96	-0.20	0.84	0.82	-0.13	0.24
IWM	0.82	-0.05	0.02	-0.08	0.51	0.64	-0.15	1.00	-0.14	0.84	0.10	0.13	0.82	0.79
IEI	-0.14	0.23	0.38	0.87	0.16	0.08	0.96	-0.14	1.00	-0.18	0.79	0.77	-0.12	0.25
VLUE	0.84	-0.04	-0.00	-0.12	0.50	0.63	-0.20	0.84	-0.18	1.00	0.06	0.09	0.84	0.76
USIG	0.11	0.18	0.32	0.65	0.29	0.33	0.84	0.10	0.79	0.06	1.00	0.96	0.14	0.47
LQD	0.15	0.16	0.32	0.62	0.31	0.36	0.82	0.13	0.77	0.09	0.96	1.00	0.17	0.50
ACWI	0.95	-0.02	0.09	-0.06	0.53	0.71	-0.13	0.82	-0.12	0.84	0.14	0.17	1.00	0.81
Portfolio	0.78	0.07	0.36	0.26	0.72	0.72	0.24	0.79	0.25	0.76	0.47	0.50	0.81	1.00

The correlation results are calculated based on daily price changes starting from Oct 18, 2013

Bucket with US ETFs

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

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