Best for now-8
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Best for now-8, 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 Oct 8, 2015, corresponding to the inception date of XLRE
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -6.92% | -9.92% | 5.42% | 12.98% | 9.70% |
| Best for now-8 | -0.41% | -1.50% | -0.91% | 11.28% | 8.15% | N/A |
| Portfolio components: | ||||||
SCHD Schwab US Dividend Equity ETF | -6.12% | -8.49% | -10.14% | 4.46% | 12.49% | 10.27% |
XLRE Real Estate Select Sector SPDR Fund | 0.09% | -3.01% | -8.03% | 17.11% | 6.60% | N/A |
IWY iShares Russell Top 200 Growth ETF | -14.96% | -6.99% | -10.52% | 7.01% | 16.59% | 15.49% |
VFV.TO Vanguard S&P 500 Index ETF | -9.87% | -6.86% | -9.43% | 6.56% | 14.05% | 12.68% |
ZAG.TO BMO Aggregate Bond Index ETF | 4.47% | 2.52% | 1.34% | 7.85% | 0.27% | 1.58% |
IEF iShares 7-10 Year Treasury Bond ETF | 3.37% | 0.02% | 0.55% | 7.19% | -2.78% | 0.69% |
GLD SPDR Gold Trust | 26.43% | 8.90% | 21.83% | 38.93% | 13.80% | 10.28% |
GSG iShares S&P GSCI Commodity-Indexed Trust | -0.83% | -3.23% | 2.86% | -3.14% | 18.18% | 0.54% |
Monthly Returns
The table below presents the monthly returns of Best for now-8, 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 | 2.20% | 0.14% | -1.07% | -1.64% | -0.41% | ||||||||
| 2024 | 0.28% | 1.86% | 2.91% | -2.68% | 3.27% | 2.59% | 1.50% | 1.96% | 2.28% | -0.72% | 2.33% | -1.50% | 14.81% |
| 2023 | 4.95% | -3.61% | 3.87% | 0.69% | -0.78% | 2.93% | 2.47% | -1.22% | -3.66% | -0.89% | 5.97% | 3.73% | 14.78% |
| 2022 | -3.39% | -0.35% | 1.82% | -5.43% | 0.24% | -5.10% | 4.56% | -4.18% | -7.04% | 2.90% | 4.57% | -3.05% | -14.32% |
| 2021 | -0.98% | -0.62% | 1.06% | 4.02% | 1.84% | 0.64% | 2.16% | 0.80% | -2.90% | 3.94% | -1.03% | 3.44% | 12.80% |
| 2020 | 0.92% | -2.72% | -6.77% | 5.94% | 3.21% | 2.34% | 4.73% | 3.12% | -2.69% | -1.78% | 4.24% | 3.18% | 13.71% |
| 2019 | 5.01% | 1.05% | 1.72% | 1.07% | -1.60% | 4.59% | 0.39% | 1.71% | -0.22% | 1.17% | 0.36% | 1.98% | 18.44% |
| 2018 | 2.01% | -3.05% | 0.14% | -0.14% | 1.16% | 0.08% | 0.18% | 1.52% | 0.17% | -3.34% | -0.17% | -2.39% | -3.92% |
| 2017 | 1.70% | 1.46% | -0.26% | 0.35% | 1.06% | 0.29% | 1.79% | 1.47% | -0.50% | 0.72% | 1.24% | 1.56% | 11.41% |
| 2016 | -0.48% | 2.46% | 3.36% | 2.27% | -1.11% | 3.21% | 0.30% | -0.92% | 0.50% | -2.35% | -2.15% | 0.78% | 5.81% |
| 2015 | 0.25% | -2.47% | -1.79% | -3.98% |
Expense Ratio
Best for now-8 has an expense ratio of 0.24%, 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 91, Best for now-8 is among the top 9% 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 | |
|---|---|---|---|---|---|
SCHD Schwab US Dividend Equity ETF | 0.09 | 0.23 | 1.03 | 0.08 | 0.33 |
XLRE Real Estate Select Sector SPDR Fund | 0.79 | 1.18 | 1.16 | 0.58 | 2.80 |
IWY iShares Russell Top 200 Growth ETF | 0.28 | 0.56 | 1.08 | 0.29 | 1.07 |
VFV.TO Vanguard S&P 500 Index ETF | 0.28 | 0.53 | 1.08 | 0.28 | 1.28 |
ZAG.TO BMO Aggregate Bond Index ETF | 0.98 | 1.47 | 1.17 | 0.40 | 2.00 |
IEF iShares 7-10 Year Treasury Bond ETF | 1.11 | 1.66 | 1.19 | 0.35 | 2.29 |
GLD SPDR Gold Trust | 2.64 | 3.48 | 1.46 | 5.25 | 14.11 |
GSG iShares S&P GSCI Commodity-Indexed Trust | -0.24 | -0.22 | 0.97 | -0.17 | -0.73 |
Dividends
Dividend yield
Best for now-8 provided a 2.26% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.26% | 2.21% | 2.06% | 1.89% | 1.34% | 1.44% | 1.76% | 1.85% | 1.69% | 1.81% | 1.70% | 1.67% |
| Portfolio components: | ||||||||||||
SCHD Schwab US Dividend Equity ETF | 4.09% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
XLRE Real Estate Select Sector SPDR Fund | 3.45% | 3.43% | 3.31% | 3.70% | 2.61% | 3.15% | 3.06% | 3.78% | 3.25% | 4.22% | 1.09% | 0.00% |
IWY iShares Russell Top 200 Growth ETF | 0.49% | 0.42% | 0.68% | 0.88% | 0.50% | 0.71% | 1.06% | 1.32% | 1.26% | 1.51% | 1.58% | 1.44% |
VFV.TO Vanguard S&P 500 Index ETF | 1.18% | 0.99% | 1.20% | 1.31% | 1.06% | 1.33% | 1.55% | 1.68% | 1.50% | 1.66% | 1.63% | 1.48% |
ZAG.TO BMO Aggregate Bond Index ETF | 3.45% | 3.44% | 3.47% | 3.56% | 3.04% | 2.88% | 3.03% | 2.92% | 2.95% | 3.07% | 3.13% | 3.23% |
IEF iShares 7-10 Year Treasury Bond ETF | 3.66% | 3.62% | 2.91% | 1.96% | 0.83% | 1.08% | 2.08% | 2.24% | 1.82% | 1.81% | 1.90% | 2.05% |
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% |
GSG iShares S&P GSCI Commodity-Indexed 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% |
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 Best for now-8. 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 Best for now-8 was 18.52%, occurring on Oct 14, 2022. Recovery took 346 trading sessions.
The current Best for now-8 drawdown is 1.41%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -18.52% | Jan 3, 2022 | 202 | Oct 14, 2022 | 346 | Feb 22, 2024 | 548 |
| -17.74% | Feb 24, 2020 | 18 | Mar 18, 2020 | 77 | Jul 6, 2020 | 95 |
| -9.68% | Feb 21, 2025 | 33 | Apr 8, 2025 | — | — | — |
| -8.69% | Jan 29, 2018 | 233 | Dec 24, 2018 | 56 | Mar 15, 2019 | 289 |
| -8.02% | Oct 16, 2015 | 66 | Jan 19, 2016 | 41 | Mar 17, 2016 | 107 |
Volatility
Volatility Chart
The current Best for now-8 volatility is 7.36%, 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
Asset Correlations Table
| GLD | GSG | IEF | XLRE | ZAG.TO | IWY | SCHD | VFV.TO | |
|---|---|---|---|---|---|---|---|---|
| GLD | 1.00 | 0.17 | 0.40 | 0.12 | 0.43 | 0.03 | 0.02 | 0.03 |
| GSG | 0.17 | 1.00 | -0.15 | 0.10 | 0.27 | 0.21 | 0.30 | 0.28 |
| IEF | 0.40 | -0.15 | 1.00 | 0.15 | 0.46 | -0.08 | -0.15 | -0.12 |
| XLRE | 0.12 | 0.10 | 0.15 | 1.00 | 0.36 | 0.47 | 0.59 | 0.54 |
| ZAG.TO | 0.43 | 0.27 | 0.46 | 0.36 | 1.00 | 0.29 | 0.31 | 0.35 |
| IWY | 0.03 | 0.21 | -0.08 | 0.47 | 0.29 | 1.00 | 0.63 | 0.88 |
| SCHD | 0.02 | 0.30 | -0.15 | 0.59 | 0.31 | 0.63 | 1.00 | 0.78 |
| VFV.TO | 0.03 | 0.28 | -0.12 | 0.54 | 0.35 | 0.88 | 0.78 | 1.00 |