Dad IRA current

Asset Allocation

Position	Category/Sector	Target Weight
BNDX Vanguard Total International Bond ETF	Global Bonds	2%
IEFA iShares Core MSCI EAFE ETF	Foreign Large Cap Equities	9%
IEMG iShares Core MSCI Emerging Markets ETF	Emerging Markets Diversified	6%
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF	Corporate Bonds	3%
MBB iShares MBS Bond ETF	Mortgage Backed Securities	12%
SCHO Schwab Short-Term U.S. Treasury ETF	Government Bonds, Short-Term Bond	7%
TLT iShares 20+ Year Treasury Bond ETF	Government Bonds, Long-Term Bond	5%
VBK Vanguard Small-Cap Growth ETF	Small Cap Growth Equities	3%
VBR Vanguard Small-Cap Value ETF	Small Cap Value Equities	4%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	Corporate Bonds	3.50%
VCSH Vanguard Short-Term Corporate Bond ETF	Corporate Bonds	3.50%
VGIT Vanguard Intermediate-Term Treasury ETF	Government Bonds	3%
VTV Vanguard Value ETF	Large Cap Value Equities	22%
VUG Vanguard Growth ETF	Large Cap Growth Equities	17%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Dad IRA current, 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 Jun 4, 2013, corresponding to the inception date of BNDX

Returns By Period

As of Apr 2, 2026, the Dad IRA current returned 0.08% Year-To-Date and 8.43% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.43%	-3.84%	-1.98%	16.08%	16.86%	10.37%	12.29%
Portfolio Dad IRA current	0.06%	-2.21%	0.08%	1.63%	13.77%	11.67%	6.14%	8.43%
Portfolio components:
VUG Vanguard Growth ETF	0.11%	-3.66%	-9.29%	-8.34%	17.67%	21.67%	11.69%	16.20%
VTV Vanguard Value ETF	0.16%	-3.03%	3.71%	6.74%	16.12%	14.94%	10.95%	11.89%
VBK Vanguard Small-Cap Growth ETF	0.82%	-2.87%	1.84%	2.19%	20.13%	13.10%	2.50%	10.71%
VBR Vanguard Small-Cap Value ETF	0.20%	-3.26%	3.80%	5.19%	17.55%	13.63%	7.68%	10.27%
IEFA iShares Core MSCI EAFE ETF	-0.54%	-2.21%	2.18%	5.82%	24.78%	14.56%	8.01%	8.97%
IEMG iShares Core MSCI Emerging Markets ETF	-1.02%	-3.09%	3.48%	6.02%	32.00%	15.85%	4.31%	8.31%
SCHO Schwab Short-Term U.S. Treasury ETF	0.04%	-0.23%	0.30%	1.35%	3.86%	3.97%	1.80%	1.71%
VGIT Vanguard Intermediate-Term Treasury ETF	0.13%	-1.05%	0.03%	0.77%	4.08%	3.19%	0.33%	1.32%
TLT iShares 20+ Year Treasury Bond ETF	0.61%	-2.56%	0.69%	-0.91%	-0.77%	-2.76%	-5.75%	-1.34%
MBB iShares MBS Bond ETF	0.20%	-0.82%	0.66%	1.73%	5.74%	4.02%	0.45%	1.36%

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

Monthly Returns

Based on dividend-adjusted daily data since Jun 5, 2013, Dad IRA current's average daily return is +0.03%, while the average monthly return is +0.67%. At this rate, your investment would double in approximately 8.7 years.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +7.8%, while the worst month was Mar 2020 at -8.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Dad IRA current closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +5.1%, while the worst single day was Mar 12, 2020 at -6.4%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.16%	1.77%	-4.26%	0.54%									0.08%
2025	2.30%	0.47%	-2.30%	-0.12%	3.06%	3.51%	0.54%	2.23%	2.41%	1.16%	0.56%	0.32%	14.92%
2024	-0.07%	2.30%	2.47%	-3.30%	3.21%	1.49%	2.45%	1.94%	1.77%	-2.02%	3.52%	-2.97%	11.00%
2023	5.74%	-2.82%	2.47%	0.90%	-1.05%	3.71%	2.23%	-1.98%	-3.69%	-2.44%	7.17%	4.83%	15.33%
2022	-3.51%	-1.90%	0.21%	-6.27%	0.53%	-5.49%	5.52%	-3.46%	-7.42%	3.90%	5.97%	-3.27%	-15.16%
2021	-0.37%	1.42%	1.75%	2.89%	0.83%	1.16%	0.83%	1.40%	-2.86%	3.30%	-1.38%	2.37%	11.76%

Benchmark Metrics

Dad IRA current has an annualized alpha of 1.11%, beta of 0.57, and R² of 0.92 versus S&P 500 Index. Calculated based on daily prices since June 05, 2013.

This portfolio participated in 66.84% of S&P 500 Index downside but only 61.03% of its upside — more exposed to losses than it benefited from rallies.
Beta of 0.57 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: 1.11%

Beta: 0.57

R²: 0.92

Upside Capture: 61.03%

Downside Capture: 66.84%

Expense Ratio

Dad IRA current has an expense ratio of 0.06%, 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

TLT

iShares 20+ Year Treasury Bond ETF

LQD

iShares iBoxx $ Investment Grade Corporate Bond ETF

IEMG

iShares Core MSCI Emerging Markets ETF

VBK

Vanguard Small-Cap Growth ETF

VBR

Vanguard Small-Cap Value ETF

IEFA

iShares Core MSCI EAFE ETF

BNDX

Vanguard Total International Bond ETF

MBB

iShares MBS Bond ETF

VTV

Vanguard Value ETF

VGIT

Vanguard Intermediate-Term Treasury ETF

Return for Risk

Risk / Return Rank

Dad IRA current ranks 55 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

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	1.27	0.88	+0.39
Sortino ratio Return per unit of downside risk	1.86	1.37	+0.49
Omega ratio Gain probability vs. loss probability	1.27	1.21	+0.07
Calmar ratio Return relative to maximum drawdown	1.81	1.39	+0.42
Martin ratio Return relative to average drawdown	8.00	6.43	+1.57
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
VUG Vanguard Growth ETF	38	0.78	1.27	1.18	1.13	3.90
VTV Vanguard Value ETF	56	1.09	1.57	1.23	1.48	6.62
VBK Vanguard Small-Cap Growth ETF	45	0.83	1.31	1.17	1.52	6.01
VBR Vanguard Small-Cap Value ETF	44	0.86	1.33	1.18	1.37	5.57
IEFA iShares Core MSCI EAFE ETF	73	1.41	2.01	1.29	2.18	8.32
IEMG iShares Core MSCI Emerging Markets ETF	79	1.62	2.21	1.32	2.43	9.12
SCHO Schwab Short-Term U.S. Treasury ETF	96	2.56	4.13	1.53	4.35	16.94
VGIT Vanguard Intermediate-Term Treasury ETF	52	1.08	1.61	1.19	1.64	5.01
TLT iShares 20+ Year Treasury Bond ETF	10	-0.07	-0.01	1.00	-0.09	-0.19
MBB iShares MBS Bond ETF	59	1.16	1.66	1.21	2.09	5.69

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.

Dad IRA current Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 1.27
5-Year: 0.59
10-Year: 0.79
All Time: 0.78

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 1.00 to 1.69, 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 Dad IRA current 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

Dad IRA current provided a 2.76% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.76%	2.76%	2.80%	2.57%	2.04%	1.71%	1.80%	2.34%	2.43%	2.01%	2.15%	2.17%
Portfolio components:
VUG Vanguard Growth ETF	0.45%	0.41%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%
VTV Vanguard Value ETF	2.02%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%
VBK Vanguard Small-Cap Growth ETF	0.52%	0.54%	0.54%	0.68%	0.55%	0.36%	0.44%	0.57%	0.79%	0.82%	1.08%	0.98%
VBR Vanguard Small-Cap Value ETF	1.89%	1.95%	1.98%	2.12%	2.03%	1.75%	1.68%	2.06%	2.35%	1.79%	1.77%	1.99%
IEFA iShares Core MSCI EAFE ETF	3.48%	3.55%	3.47%	3.20%	2.70%	3.32%	1.90%	3.18%	3.46%	2.57%	2.96%	2.63%
IEMG iShares Core MSCI Emerging Markets ETF	2.66%	2.75%	3.20%	2.89%	2.71%	3.06%	1.87%	3.15%	2.76%	2.35%	2.28%	2.53%
SCHO Schwab Short-Term U.S. Treasury ETF	3.97%	4.06%	4.29%	3.76%	1.34%	0.41%	1.27%	2.27%	1.60%	1.12%	0.82%	0.68%
VGIT Vanguard Intermediate-Term Treasury ETF	3.82%	3.79%	3.67%	2.73%	1.74%	1.69%	2.23%	2.24%	2.05%	1.67%	1.69%	1.69%
TLT iShares 20+ Year Treasury Bond ETF	4.51%	4.43%	4.30%	3.38%	2.67%	1.50%	1.50%	2.27%	2.63%	2.43%	2.60%	2.61%
MBB iShares MBS Bond ETF	4.22%	4.21%	3.94%	3.40%	2.31%	1.05%	2.10%	2.77%	2.64%	2.23%	2.58%	2.66%

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 Dad IRA current. 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 Dad IRA current was 21.33%, occurring on Mar 23, 2020. Recovery took 83 trading sessions.

The current Dad IRA current drawdown is 4.01%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-21.33%	Feb 20, 2020	23	Mar 23, 2020	83	Jul 21, 2020	106
-21.19%	Nov 9, 2021	235	Oct 14, 2022	345	Mar 1, 2024	580
-10.98%	Jan 29, 2018	229	Dec 24, 2018	56	Mar 18, 2019	285
-10.08%	Feb 19, 2025	35	Apr 8, 2025	27	May 16, 2025	62
-9.9%	Apr 27, 2015	202	Feb 11, 2016	81	Jun 8, 2016	283

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 14 assets, with an effective number of assets of 8.48, 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	BNDX	SCHO	IEMG	MBB	TLT	VBR	VUG	IEFA	VTV	VCSH	VBK	VGIT	VCIT	LQD	Portfolio
Benchmark	1.00	0.01	-0.12	0.69	0.01	-0.15	0.81	0.94	0.79	0.87	0.12	0.85	-0.15	0.11	0.15	0.94
BNDX	0.01	1.00	0.54	0.01	0.63	0.69	-0.03	0.03	0.03	-0.03	0.59	0.03	0.69	0.68	0.67	0.15
SCHO	-0.12	0.54	1.00	-0.06	0.69	0.57	-0.12	-0.10	-0.04	-0.13	0.72	-0.09	0.80	0.66	0.57	0.03
IEMG	0.69	0.01	-0.06	1.00	0.05	-0.11	0.61	0.66	0.78	0.62	0.15	0.64	-0.08	0.13	0.16	0.77
MBB	0.01	0.63	0.69	0.05	1.00	0.77	-0.00	0.02	0.08	-0.01	0.75	0.04	0.85	0.82	0.79	0.20
TLT	-0.15	0.69	0.57	-0.11	0.77	1.00	-0.17	-0.11	-0.11	-0.19	0.60	-0.10	0.84	0.77	0.81	0.02
VBR	0.81	-0.03	-0.12	0.61	-0.00	-0.17	1.00	0.68	0.73	0.88	0.09	0.86	-0.16	0.08	0.11	0.84
VUG	0.94	0.03	-0.10	0.66	0.02	-0.11	0.68	1.00	0.72	0.69	0.14	0.83	-0.11	0.14	0.17	0.88
IEFA	0.79	0.03	-0.04	0.78	0.08	-0.11	0.73	0.72	1.00	0.76	0.19	0.72	-0.07	0.16	0.19	0.87
VTV	0.87	-0.03	-0.13	0.62	-0.01	-0.19	0.88	0.69	0.76	1.00	0.08	0.75	-0.17	0.07	0.10	0.87
VCSH	0.12	0.59	0.72	0.15	0.75	0.60	0.09	0.14	0.19	0.08	1.00	0.14	0.78	0.84	0.77	0.29
VBK	0.85	0.03	-0.09	0.64	0.04	-0.10	0.86	0.83	0.72	0.75	0.14	1.00	-0.10	0.14	0.18	0.87
VGIT	-0.15	0.69	0.80	-0.08	0.85	0.84	-0.16	-0.11	-0.07	-0.17	0.78	-0.10	1.00	0.84	0.78	0.04
VCIT	0.11	0.68	0.66	0.13	0.82	0.77	0.08	0.14	0.16	0.07	0.84	0.14	0.84	1.00	0.93	0.30
LQD	0.15	0.67	0.57	0.16	0.79	0.81	0.11	0.17	0.19	0.10	0.77	0.18	0.78	0.93	1.00	0.33
Portfolio	0.94	0.15	0.03	0.77	0.20	0.02	0.84	0.88	0.87	0.87	0.29	0.87	0.04	0.30	0.33	1.00

The correlation results are calculated based on daily price changes starting from Jun 5, 2013

Dad IRA current

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