Long Term New
Asset Allocation
Performance
Performance Chart
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The earliest data available for this chart is Apr 7, 2021, corresponding to the inception date of VUSB
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.51% | 3.96% | -2.00% | 12.02% | 14.19% | 10.85% |
| Long Term New | 5.32% | 2.14% | 3.11% | 13.16% | N/A | N/A |
| Portfolio components: | ||||||
BND Vanguard Total Bond Market ETF | 2.49% | 0.10% | 0.77% | 5.44% | -0.96% | 1.60% |
BNDX Vanguard Total International Bond ETF | 1.66% | 0.45% | 0.88% | 6.48% | 0.15% | 2.17% |
VWEHX Vanguard High-Yield Corporate Fund Investor Shares | 2.84% | 0.74% | 2.24% | 8.21% | 4.72% | 4.50% |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 3.51% | 0.12% | 3.40% | 6.58% | 3.88% | 2.85% |
FFRHX Fidelity Floating Rate High Income Fund | 0.77% | 0.77% | 1.77% | 5.59% | 7.06% | 4.63% |
PHT Pioneer High Income Fund, Inc. | 6.04% | 5.21% | 4.35% | 18.79% | 11.58% | 5.02% |
VTI Vanguard Total Stock Market ETF | 0.38% | 3.97% | -2.68% | 12.80% | 15.23% | 12.13% |
VIG Vanguard Dividend Appreciation ETF | 1.56% | 2.54% | -2.40% | 11.44% | 13.07% | 11.50% |
VEU Vanguard FTSE All-World ex-US ETF | 13.97% | 2.81% | 11.01% | 13.21% | 10.58% | 5.68% |
GLD SPDR Gold Trust | 25.39% | 1.89% | 23.62% | 41.01% | 13.26% | 10.25% |
VIGI Vanguard International Dividend Appreciation ETF | 12.78% | 2.81% | 7.76% | 12.74% | 9.91% | N/A |
VMFXX Vanguard Federal Money Market Fund | 0.69% | 0.00% | 1.08% | 3.68% | 2.51% | 1.72% |
VUSB Vanguard Ultra-Short Bond ETF | 1.94% | 0.32% | 2.41% | 5.65% | N/A | N/A |
Monthly Returns
The table below presents the monthly returns of Long Term New, 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 | 2.66% | 0.39% | -1.08% | 0.56% | 2.73% | 0.00% | 5.32% | ||||||
| 2024 | 0.42% | 2.13% | 2.72% | -2.06% | 2.52% | 1.18% | 2.78% | 2.02% | 1.89% | -0.93% | 2.48% | -2.10% | 13.63% |
| 2023 | 4.62% | -2.43% | 2.47% | 1.29% | -1.09% | 3.22% | 2.04% | -1.16% | -3.15% | -0.55% | 5.76% | 3.52% | 15.03% |
| 2022 | -3.57% | -1.11% | 0.96% | -4.61% | -0.46% | -4.84% | 4.49% | -2.81% | -6.08% | 4.16% | 5.68% | -2.40% | -10.86% |
| 2021 | 1.52% | 1.82% | -0.24% | 1.45% | 1.59% | -3.06% | 3.40% | -1.23% | 3.00% | 8.37% |
Expense Ratio
Long Term New has an expense ratio of 0.15%, 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
With an overall rank of 87, Long Term New is among the top 13% of portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 1.03 | 1.34 | 1.16 | 0.45 | 2.29 |
BNDX Vanguard Total International Bond ETF | 1.75 | 2.37 | 1.30 | 0.76 | 7.33 |
VWEHX Vanguard High-Yield Corporate Fund Investor Shares | 2.43 | 3.63 | 1.60 | 3.07 | 12.60 |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 3.25 | 4.87 | 1.73 | 6.68 | 19.76 |
FFRHX Fidelity Floating Rate High Income Fund | 1.78 | 2.88 | 1.68 | 1.73 | 8.40 |
PHT Pioneer High Income Fund, Inc. | 1.55 | 2.10 | 1.38 | 1.32 | 8.37 |
VTI Vanguard Total Stock Market ETF | 0.63 | 1.02 | 1.15 | 0.66 | 2.47 |
VIG Vanguard Dividend Appreciation ETF | 0.71 | 1.16 | 1.16 | 0.80 | 3.22 |
VEU Vanguard FTSE All-World ex-US ETF | 0.78 | 1.17 | 1.16 | 0.92 | 2.89 |
GLD SPDR Gold Trust | 2.29 | 3.00 | 1.38 | 4.90 | 13.22 |
VIGI Vanguard International Dividend Appreciation ETF | 0.83 | 1.23 | 1.17 | 0.85 | 2.44 |
VMFXX Vanguard Federal Money Market Fund | 3.08 | — | — | — | — |
VUSB Vanguard Ultra-Short Bond ETF | 7.34 | 12.74 | 3.50 | 12.09 | 79.87 |
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Dividends
Dividend yield
Long Term New provided a 2.96% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.96% | 3.08% | 3.12% | 2.63% | 2.37% | 1.97% | 2.53% | 2.70% | 2.28% | 2.31% | 2.49% | 2.24% |
| Portfolio components: | ||||||||||||
BND Vanguard Total Bond Market ETF | 4.07% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
BNDX Vanguard Total International Bond ETF | 4.48% | 4.18% | 4.42% | 1.52% | 3.74% | 1.11% | 3.40% | 3.01% | 2.23% | 1.89% | 1.63% | 1.54% |
VWEHX Vanguard High-Yield Corporate Fund Investor Shares | 5.64% | 6.09% | 5.69% | 5.11% | 4.13% | 4.62% | 5.24% | 5.93% | 5.28% | 5.43% | 5.91% | 5.59% |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 2.76% | 2.70% | 3.36% | 6.84% | 4.68% | 1.20% | 1.95% | 2.45% | 1.52% | 0.76% | 0.00% | 0.82% |
FFRHX Fidelity Floating Rate High Income Fund | 7.34% | 8.33% | 8.25% | 5.06% | 3.27% | 3.85% | 5.17% | 4.75% | 4.05% | 3.94% | 4.25% | 4.00% |
PHT Pioneer High Income Fund, Inc. | 8.32% | 8.52% | 9.37% | 11.38% | 8.12% | 9.25% | 8.49% | 9.71% | 8.63% | 9.37% | 14.36% | 9.54% |
VTI Vanguard Total Stock Market ETF | 1.29% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
VIG Vanguard Dividend Appreciation ETF | 1.79% | 1.73% | 1.88% | 1.96% | 1.55% | 1.63% | 1.71% | 2.08% | 1.88% | 2.14% | 2.34% | 1.95% |
VEU Vanguard FTSE All-World ex-US ETF | 2.82% | 3.24% | 3.32% | 3.12% | 3.07% | 2.00% | 3.10% | 3.27% | 2.66% | 2.96% | 2.95% | 3.52% |
GLD SPDR 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% |
VIGI Vanguard International Dividend Appreciation ETF | 1.82% | 1.93% | 1.92% | 2.06% | 7.02% | 1.29% | 1.83% | 1.99% | 1.75% | 0.98% | 0.00% | 0.00% |
VMFXX Vanguard Federal Money Market Fund | 4.31% | 5.11% | 4.97% | 1.54% | 0.01% | 0.45% | 2.12% | 1.61% | 0.50% | 0.00% | 0.00% | 0.00% |
VUSB Vanguard Ultra-Short Bond ETF | 5.41% | 5.16% | 4.45% | 1.53% | 0.26% | 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 Long Term New. 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 Long Term New was 17.23%, occurring on Oct 14, 2022. Recovery took 299 trading sessions.
The current Long Term New drawdown is 0.10%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -17.23% | Jan 5, 2022 | 198 | Oct 14, 2022 | 299 | Dec 13, 2023 | 497 |
| -8.61% | Feb 20, 2025 | 34 | Apr 8, 2025 | 23 | May 12, 2025 | 57 |
| -3.52% | Jul 17, 2024 | 14 | Aug 5, 2024 | 9 | Aug 16, 2024 | 23 |
| -3.46% | Sep 7, 2021 | 18 | Sep 30, 2021 | 22 | Nov 1, 2021 | 40 |
| -3.23% | Nov 15, 2021 | 12 | Dec 1, 2021 | 17 | Dec 27, 2021 | 29 |
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 13 assets, with an effective number of assets of 8.35, 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 | VMFXX | GLD | FFRHX | VUSB | BNDX | VTIP | BND | PHT | VWEHX | VIG | VTI | VEU | VIGI | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.02 | 0.11 | 0.33 | 0.12 | 0.14 | 0.17 | 0.17 | 0.52 | 0.49 | 0.91 | 0.99 | 0.76 | 0.77 | 0.92 |
| VMFXX | -0.02 | 1.00 | -0.03 | 0.22 | 0.05 | 0.05 | 0.02 | 0.01 | 0.09 | 0.27 | -0.01 | -0.02 | -0.04 | -0.02 | 0.01 |
| GLD | 0.11 | -0.03 | 1.00 | 0.07 | 0.29 | 0.29 | 0.41 | 0.35 | 0.17 | 0.19 | 0.12 | 0.12 | 0.34 | 0.31 | 0.36 |
| FFRHX | 0.33 | 0.22 | 0.07 | 1.00 | 0.04 | 0.03 | 0.08 | 0.06 | 0.33 | 0.46 | 0.31 | 0.34 | 0.34 | 0.32 | 0.37 |
| VUSB | 0.12 | 0.05 | 0.29 | 0.04 | 1.00 | 0.50 | 0.52 | 0.60 | 0.22 | 0.32 | 0.13 | 0.12 | 0.21 | 0.24 | 0.25 |
| BNDX | 0.14 | 0.05 | 0.29 | 0.03 | 0.50 | 1.00 | 0.51 | 0.83 | 0.25 | 0.40 | 0.16 | 0.14 | 0.16 | 0.22 | 0.28 |
| VTIP | 0.17 | 0.02 | 0.41 | 0.08 | 0.52 | 0.51 | 1.00 | 0.60 | 0.24 | 0.33 | 0.19 | 0.17 | 0.21 | 0.24 | 0.31 |
| BND | 0.17 | 0.01 | 0.35 | 0.06 | 0.60 | 0.83 | 0.60 | 1.00 | 0.30 | 0.45 | 0.19 | 0.17 | 0.21 | 0.28 | 0.33 |
| PHT | 0.52 | 0.09 | 0.17 | 0.33 | 0.22 | 0.25 | 0.24 | 0.30 | 1.00 | 0.50 | 0.51 | 0.53 | 0.50 | 0.51 | 0.60 |
| VWEHX | 0.49 | 0.27 | 0.19 | 0.46 | 0.32 | 0.40 | 0.33 | 0.45 | 0.50 | 1.00 | 0.47 | 0.50 | 0.52 | 0.54 | 0.59 |
| VIG | 0.91 | -0.01 | 0.12 | 0.31 | 0.13 | 0.16 | 0.19 | 0.19 | 0.51 | 0.47 | 1.00 | 0.90 | 0.72 | 0.75 | 0.91 |
| VTI | 0.99 | -0.02 | 0.12 | 0.34 | 0.12 | 0.14 | 0.17 | 0.17 | 0.53 | 0.50 | 0.90 | 1.00 | 0.78 | 0.78 | 0.93 |
| VEU | 0.76 | -0.04 | 0.34 | 0.34 | 0.21 | 0.16 | 0.21 | 0.21 | 0.50 | 0.52 | 0.72 | 0.78 | 1.00 | 0.93 | 0.86 |
| VIGI | 0.77 | -0.02 | 0.31 | 0.32 | 0.24 | 0.22 | 0.24 | 0.28 | 0.51 | 0.54 | 0.75 | 0.78 | 0.93 | 1.00 | 0.87 |
| Portfolio | 0.92 | 0.01 | 0.36 | 0.37 | 0.25 | 0.28 | 0.31 | 0.33 | 0.60 | 0.59 | 0.91 | 0.93 | 0.86 | 0.87 | 1.00 |