VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BTC-USD Bitcoin | 10% | |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 30% |
VOO Vanguard S&P 500 ETF | Large Cap Growth Equities | 30% |
XLK Technology Select Sector SPDR Fund | Technology Equities | 30% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K , 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 20, 2011, corresponding to the inception date of SCHD
Returns By Period
As of Apr 22, 2025, the VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K returned -12.38% Year-To-Date and 22.99% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -12.30% | -8.99% | -11.89% | 3.84% | 13.06% | 9.34% |
| VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K | -8.84% | 1.58% | 26.34% | 31.13% | 64.05% | 77.91% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | -12.03% | -8.89% | -11.37% | 5.19% | 14.73% | 11.26% |
SCHD Schwab US Dividend Equity ETF | -7.56% | -9.02% | -10.46% | 1.73% | 12.95% | 10.00% |
XLK Technology Select Sector SPDR Fund | -19.06% | -12.04% | -18.74% | -1.74% | 17.52% | 17.28% |
BTC-USD Bitcoin | -8.84% | 1.60% | 26.43% | 31.19% | 64.29% | 80.56% |
Monthly Returns
The table below presents the monthly returns of VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K , 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 | 9.59% | -17.58% | -2.17% | 3.16% | -8.84% | ||||||||
| 2024 | 0.75% | 43.60% | 16.53% | -14.98% | 11.29% | -7.11% | 3.09% | -8.72% | 7.38% | 10.85% | 37.29% | -3.13% | 120.75% |
| 2023 | 39.64% | 0.03% | 22.96% | 2.77% | -6.96% | 11.94% | -4.06% | -11.25% | 3.95% | 28.43% | 8.79% | 12.05% | 154.71% |
| 2022 | -16.87% | 12.19% | 5.43% | -17.16% | -15.66% | -37.68% | 17.91% | -14.04% | -3.12% | 5.49% | -16.13% | -3.63% | -64.15% |
| 2021 | 14.13% | 36.22% | 30.48% | -1.97% | -35.29% | -6.11% | 18.75% | 13.28% | -7.15% | 39.95% | -7.02% | -18.72% | 59.58% |
| 2020 | 29.71% | -8.03% | -25.02% | 34.29% | 9.24% | -3.36% | 23.77% | 3.19% | -7.65% | 27.56% | 42.24% | 47.59% | 300.51% |
| 2019 | -7.42% | 11.38% | 6.45% | 29.97% | 59.48% | 26.03% | -6.71% | -4.49% | -13.78% | 10.86% | -17.56% | -4.89% | 91.46% |
| 2018 | -27.67% | 1.70% | -32.78% | 32.26% | -18.77% | -14.44% | 21.34% | -9.45% | -5.80% | -4.67% | -36.09% | -6.86% | -73.30% |
| 2017 | 0.73% | 20.85% | -8.80% | 24.77% | 67.44% | 8.32% | 15.66% | 62.56% | -7.66% | 48.59% | 57.78% | 38.14% | 1,312.60% |
| 2016 | -13.51% | 17.05% | -3.88% | 6.81% | 17.31% | 24.95% | -6.59% | -7.38% | 5.61% | 13.94% | 6.16% | 27.82% | 115.22% |
| 2015 | -29.16% | 15.45% | -3.76% | -2.69% | -2.02% | 11.87% | 7.45% | -17.64% | 2.07% | 30.08% | 18.02% | 12.69% | 31.20% |
| 2014 | 9.52% | -32.47% | -15.82% | -1.85% | 36.84% | 2.54% | -7.98% | -17.31% | -17.77% | -11.37% | 10.97% | -14.06% | -54.65% |
Expense Ratio
VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K has an expense ratio of 0.07%, 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
The current rank of VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K is 16, meaning it’s performing worse than 84% of other 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 | |
|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | -0.18 | -0.12 | 0.98 | 0.22 | -0.77 |
SCHD Schwab US Dividend Equity ETF | -0.27 | -0.27 | 0.96 | 0.18 | -0.96 |
XLK Technology Select Sector SPDR Fund | -0.40 | -0.39 | 0.95 | -0.19 | -1.67 |
BTC-USD Bitcoin | 1.36 | 2.02 | 1.20 | 1.06 | 6.08 |
Dividends
Dividend yield
VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K provided a 1.94% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.94% | 1.66% | 1.71% | 1.84% | 1.40% | 1.69% | 1.80% | 2.02% | 1.73% | 1.99% | 2.06% | 1.87% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.48% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% |
SCHD Schwab US Dividend Equity ETF | 4.16% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
XLK Technology Select Sector SPDR Fund | 0.83% | 0.66% | 0.76% | 1.04% | 0.65% | 0.92% | 1.16% | 1.60% | 1.37% | 1.74% | 1.79% | 1.75% |
BTC-USD Bitcoin | 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 VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K . 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 VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K was 83.17%, occurring on Dec 15, 2018. Recovery took 716 trading sessions.
The current VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K drawdown is 16.09%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -83.17% | Dec 17, 2017 | 364 | Dec 15, 2018 | 716 | Nov 30, 2020 | 1080 |
| -81.93% | Dec 5, 2013 | 406 | Jan 14, 2015 | 721 | Jan 4, 2017 | 1127 |
| -76.53% | Nov 9, 2021 | 378 | Nov 21, 2022 | 469 | Mar 4, 2024 | 847 |
| -63.17% | Apr 11, 2013 | 7 | Apr 17, 2013 | 201 | Nov 4, 2013 | 208 |
| -52.97% | Apr 14, 2021 | 98 | Jul 20, 2021 | 91 | Oct 19, 2021 | 189 |
Volatility
Volatility Chart
The current VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K volatility is 14.96%, 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
Diversification Metrics
Number of Effective Assets
The portfolio contains 4 assets, with an effective number of assets of 3.57, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| BTC-USD | SCHD | XLK | VOO | |
|---|---|---|---|---|
| BTC-USD | 1.00 | 0.08 | 0.11 | 0.12 |
| SCHD | 0.08 | 1.00 | 0.61 | 0.80 |
| XLK | 0.11 | 0.61 | 1.00 | 0.83 |
| VOO | 0.12 | 0.80 | 0.83 | 1.00 |