#1 65/35

Asset Allocation

Position	Category/Sector	Target Weight
FBND Fidelity Total Bond ETF	Intermediate Core-Plus Bond	35%
VTV Vanguard Value ETF	Large Cap Value Equities	18%
VOO Vanguard S&P 500 ETF	S&P 500	17%
VIG Vanguard Dividend Appreciation ETF	Dividend	9%
SCHF Schwab International Equity ETF	Foreign Large Cap Equities	8%
QQQ Invesco QQQ ETF	Nasdaq-100	5%
IJH iShares Core S&P Mid-Cap ETF	Mid Cap Blend Equities	5%
IJR iShares Core S&P Small-Cap ETF	Small Cap Blend Equities	3%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	0%

Benchmark Against

Benchmark

S&P 500 Index

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in #1 65/35, 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 year.

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Returns By Period

As of Jun 9, 2026, the #1 65/35 returned 7.18% Year-To-Date and 9.86% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.30%	0.09%	8.18%	8.17%	23.42%	19.88%	11.91%	13.45%
Portfolio #1 65/35	0.27%	0.46%	7.18%	7.71%	18.29%	14.01%	7.92%	9.86%
Portfolio components:
FBND Fidelity Total Bond ETF	-0.07%	-0.69%	0.10%	0.40%	5.34%	4.60%	0.68%	2.47%
IJH iShares Core S&P Mid-Cap ETF	0.22%	0.16%	12.55%	12.75%	22.98%	15.01%	7.86%	11.12%
IJR iShares Core S&P Small-Cap ETF	0.65%	0.17%	15.49%	15.12%	30.47%	13.78%	5.37%	10.61%
QQQ Invesco QQQ ETF	1.56%	0.68%	16.71%	15.00%	35.78%	27.15%	16.98%	21.59%
SCHD Schwab U.S. Dividend Equity ETF	-0.03%	2.12%	18.71%	19.28%	26.37%	14.73%	8.49%	12.65%
SCHF Schwab International Equity ETF	0.97%	-1.06%	12.60%	15.44%	28.22%	18.76%	9.33%	10.24%
VIG Vanguard Dividend Appreciation ETF	0.03%	2.32%	6.58%	6.47%	18.31%	16.04%	10.62%	13.05%
VOO Vanguard S&P 500 ETF	0.25%	0.24%	8.72%	8.77%	24.91%	21.45%	13.49%	15.35%
VTV Vanguard Value ETF	0.25%	2.67%	11.91%	13.41%	25.49%	17.72%	11.30%	12.42%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 10, 2014, #1 65/35's average daily return is +0.04%, while the average monthly return is +0.77%. At this rate, an investment would double in approximately 7.5 years.

Historically, 70% of months were positive and 30% were negative. The best month was Nov 2020 with a return of +8.3%, while the worst month was Mar 2020 at -9.2%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, #1 65/35 closed higher 55% of trading days. The best single day was Mar 13, 2020 with a return of +6.1%, while the worst single day was Mar 12, 2020 at -8.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.24%	1.95%	-4.15%	5.42%	2.78%	-0.99%							7.18%
2025	2.52%	0.43%	-2.61%	-0.67%	2.96%	3.30%	0.54%	2.38%	2.22%	1.00%	1.11%	0.20%	14.06%
2024	0.26%	2.32%	2.81%	-3.57%	3.43%	1.16%	2.96%	2.00%	1.54%	-1.92%	4.13%	-3.44%	11.89%
2023	5.23%	-2.69%	1.89%	1.15%	-1.30%	4.29%	2.27%	-1.76%	-3.72%	-2.32%	7.02%	5.03%	15.37%
2022	-3.55%	-1.72%	0.92%	-5.86%	0.66%	-6.10%	5.89%	-3.38%	-7.13%	5.56%	5.64%	-3.18%	-12.68%
2021	-0.61%	1.82%	2.92%	3.06%	1.27%	0.65%	1.36%	1.56%	-3.22%	4.06%	-1.31%	3.64%	16.01%

Benchmark Metrics

#1 65/35 has an annualized alpha of 1.31%, beta of 0.62, and R2 of 0.94 versus S&P 500 Index. Calculated based on daily prices since October 10, 2014.

This portfolio participated in 70.41% of S&P 500 Index downside but only 65.84% of its upside - more exposed to losses than it benefited from rallies.
Beta of 0.62 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: 1.31%

Beta: 0.62

R²: 0.94

Upside Capture: 65.84%

Downside Capture: 70.41%

Expense Ratio

#1 65/35 has an expense ratio of 0.16%, 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.

FBND

Fidelity Total Bond ETF

QQQ

Invesco QQQ ETF

SCHF

Schwab International Equity ETF

SCHD

Schwab U.S. Dividend Equity ETF

IJR

iShares Core S&P Small-Cap ETF

IJH

iShares Core S&P Mid-Cap ETF

VIG

Vanguard Dividend Appreciation ETF

VTV

Vanguard Value ETF

VOO

Vanguard S&P 500 ETF

Return for Risk

Risk / Return Rank

#1 65/35 ranks 62 for risk / return — better than 62% 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

The table below presents risk-adjusted performance metrics for #1 65/35 and compares them with S&P 500 Index.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	2.26	1.94	+0.32
Sortino ratioReturn per unit of downside risk	3.18	2.63	+0.56
Omega ratioGain probability vs. loss probability	1.42	1.35	+0.07
Calmar ratioReturn relative to maximum drawdown	3.13	2.59	+0.55
Martin ratioReturn relative to average drawdown	13.52	11.84	+1.67
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.

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
FBND Fidelity Total Bond ETF	44	1.41	2.09	1.25	2.01	5.97
IJH iShares Core S&P Mid-Cap ETF	52	1.48	2.17	1.26	2.61	9.55
IJR iShares Core S&P Small-Cap ETF	63	1.74	2.53	1.30	3.52	11.72
QQQ Invesco QQQ ETF	69	2.15	2.77	1.38	3.00	11.43
SCHD Schwab U.S. Dividend Equity ETF	85	2.43	3.75	1.43	5.74	14.06
SCHF Schwab International Equity ETF	57	1.75	2.39	1.32	2.47	9.53
VIG Vanguard Dividend Appreciation ETF	58	1.82	2.65	1.33	2.33	9.37
VOO Vanguard S&P 500 ETF	69	2.08	2.80	1.38	2.81	12.97
VTV Vanguard Value ETF	84	2.52	3.58	1.45	4.03	15.20

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.

#1 65/35 Sharpe ratios as of Jun 9, 2026 (values are recalculated daily):

1-Year: 2.26
5-Year: 0.74
10-Year: 0.85
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 1.62 to 2.52, 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 #1 65/35 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

#1 65/35 provided a 2.66% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.66%	2.76%	2.86%	2.73%	2.38%	1.77%	2.65%	2.34%	2.48%	2.11%	2.34%	2.53%
Portfolio components:
FBND Fidelity Total Bond ETF	4.72%	4.70%	4.73%	4.26%	3.07%	1.86%	4.25%	2.90%	2.93%	2.56%	2.84%	3.26%
IJH iShares Core S&P Mid-Cap ETF	1.20%	1.36%	1.33%	1.46%	1.68%	1.18%	1.28%	1.63%	1.72%	1.19%	1.60%	1.56%
IJR iShares Core S&P Small-Cap ETF	1.15%	1.44%	2.05%	1.31%	1.41%	1.53%	1.11%	1.44%	1.58%	1.20%	1.22%	1.48%
QQQ Invesco QQQ ETF	0.39%	0.45%	0.56%	0.62%	0.80%	0.43%	0.55%	0.74%	0.91%	0.84%	1.06%	0.99%
SCHD Schwab U.S. Dividend Equity ETF	3.27%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
SCHF Schwab International Equity ETF	3.04%	3.42%	3.26%	2.97%	2.80%	3.19%	2.08%	2.95%	3.06%	2.35%	2.58%	2.26%
VIG Vanguard Dividend Appreciation ETF	1.48%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
VOO Vanguard S&P 500 ETF	1.05%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%
VTV Vanguard Value ETF	1.87%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%

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 #1 65/35. 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 #1 65/35 was 24.96%, occurring on Mar 23, 2020. Recovery took 97 trading sessions.

The current #1 65/35 drawdown is 1.46%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-24.96%Mar 2020	1mo 2d	4mo 20d	5mo 22dFeb 2020 - Aug 2020
Bear market2022	-19.33%Sep 2022	8mo 28d	1y 2mo	1y 11moJan 2022 - Dec 2023
Rate-hike selloffLate 2018	-12.71%Dec 2018	3mo 1d	3mo 8d	6mo 9dSep 2018 - Apr 2019
2025 selloff2025	-10.69%Apr 2025	1mo 17d	2mo 3d	3mo 20dFeb 2025 - Jun 2025
2016 correction2016	-10.54%Feb 2016	8mo 25d	3mo 22d	1y 12dMay 2015 - Jun 2016

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 9 assets, with an effective number of assets of 4.90, reflecting the diversification based on asset allocation. Your allocation shows noticeable concentration: a few holdings carry significantly more weight than the rest. Rebalancing toward more even weights — or adding less correlated assets — could reduce risk.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.18	1.20	1.18	1.17	1.17

The portfolio has a diversification ratio of 1.17, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

#1 65/35 correlation to the S&P 500 Index

#1 65/35 has a 0.91 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.91
Correlation (3Y) Calculated over the trailing 3-year period	0.91
Correlation (5Y) Calculated over the trailing 5-year period	0.94
Correlation (10Y) Calculated over the trailing 10-year period	0.95
Correlation (All Time) Calculated using the full available price history since Oct 10, 2014	0.96

Benchmark Correlations

Correlation vs. S&P 500 Index. VOO has the highest benchmark correlation at 1.00, while FBND has the lowest at 0.10.

0.10

0.79

0.79

0.80

0.86

0.86

0.91

0.92

1.00

Portfolio Correlations

Correlation vs. #1 65/35. VOO has the highest portfolio correlation at 0.96, while FBND has the lowest at 0.25.

0.25

0.83

0.85

0.85

0.86

0.90

0.91

0.94

0.96

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	FBND	QQQ	SCHF	IJR	SCHD	VTV	IJH	VIG	VOO
FBND	1.00	0.12	0.16	0.08	0.07	0.05	0.09	0.12	0.11
QQQ	0.12	1.00	0.70	0.64	0.60	0.65	0.70	0.76	0.91
SCHF	0.16	0.70	1.00	0.71	0.71	0.76	0.76	0.76	0.80
IJR	0.08	0.64	0.71	1.00	0.78	0.83	0.95	0.79	0.79
SCHD	0.07	0.60	0.71	0.78	1.00	0.93	0.82	0.88	0.80
VTV	0.05	0.65	0.76	0.83	0.93	1.00	0.88	0.91	0.86
IJH	0.09	0.70	0.76	0.95	0.82	0.88	1.00	0.85	0.86
VIG	0.12	0.76	0.76	0.79	0.88	0.91	0.85	1.00	0.92
VOO	0.11	0.91	0.80	0.79	0.80	0.86	0.86	0.92	1.00

The correlation results are calculated based on daily price changes starting from Oct 10, 2014

Diversification Analysis

Find what #1 65/35 is missing

See which holdings overlap, where #1 65/35 is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification