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
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The earliest data available for this chart is Oct 20, 2011, corresponding to the inception date of SCHD
Returns By Period
As of May 15, 2025, the VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K returned 0.93% Year-To-Date and 24.65% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.19% | 9.00% | -1.55% | 12.31% | 15.59% | 10.78% |
| VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K | 0.93% | 10.78% | -0.89% | 15.87% | 24.66% | 24.65% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | 0.59% | 9.01% | -0.97% | 13.78% | 17.26% | 12.71% |
SCHD Schwab US Dividend Equity ETF | -3.97% | 1.56% | -8.72% | 1.64% | 13.38% | 10.34% |
XLK Technology Select Sector SPDR Fund | 0.87% | 16.97% | -0.17% | 13.16% | 21.17% | 19.84% |
BTC-USD Bitcoin | 11.50% | 23.22% | 15.00% | 69.24% | 62.03% | 83.80% |
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 | 2.12% | -2.19% | -4.69% | -0.65% | 6.70% | 0.93% | |||||||
| 2024 | 1.41% | 7.89% | 4.58% | -5.81% | 5.32% | 2.82% | 1.54% | 0.74% | 2.41% | 0.35% | 8.65% | -3.14% | 29.11% |
| 2023 | 9.26% | -1.53% | 7.07% | 0.48% | 0.88% | 6.53% | 2.61% | -2.44% | -4.37% | 1.08% | 9.41% | 5.88% | 39.42% |
| 2022 | -6.11% | -1.89% | 3.58% | -8.88% | -0.29% | -10.73% | 9.74% | -5.43% | -8.93% | 8.64% | 4.03% | -5.59% | -21.96% |
| 2021 | 0.59% | 7.14% | 8.93% | 3.62% | -2.47% | 2.08% | 3.93% | 4.04% | -5.12% | 10.09% | -0.43% | 1.99% | 38.92% |
| 2020 | 3.61% | -8.21% | -12.68% | 15.22% | 5.69% | 2.04% | 7.42% | 7.45% | -4.30% | 0.59% | 15.69% | 10.82% | 47.01% |
| 2019 | 5.56% | 5.31% | 3.10% | 7.12% | 0.70% | 12.80% | 1.39% | -1.74% | 1.16% | 3.34% | 1.59% | 2.46% | 51.17% |
| 2018 | 2.09% | -2.85% | -5.24% | 3.07% | 0.74% | -1.14% | 5.26% | 2.41% | -0.08% | -6.69% | -2.73% | -8.45% | -13.66% |
| 2017 | 1.53% | 5.70% | -0.29% | 3.67% | 10.87% | 1.29% | 4.01% | 7.89% | 0.09% | 8.81% | 10.75% | 7.39% | 81.07% |
| 2016 | -4.73% | 1.68% | 6.06% | -0.69% | 4.37% | 3.67% | 3.32% | -0.43% | 1.24% | 0.26% | 2.84% | 5.38% | 24.94% |
| 2015 | -6.16% | 7.06% | -2.59% | 1.03% | 0.85% | -1.54% | 2.55% | -7.11% | -1.14% | 11.58% | 2.77% | 0.44% | 6.50% |
| 2014 | -2.17% | 0.02% | -0.30% | 0.64% | 6.00% | 1.75% | -1.30% | 1.40% | -2.04% | 0.49% | 4.25% | -2.42% | 6.14% |
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 44, indicating average performance compared to other portfolios on our website. Here’s 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 | 0.71 | 0.90 | 1.13 | 0.13 | 2.02 |
SCHD Schwab US Dividend Equity ETF | 0.10 | -0.34 | 0.95 | 0.13 | -0.97 |
XLK Technology Select Sector SPDR Fund | 0.43 | 1.02 | 1.14 | 0.19 | 2.20 |
BTC-USD Bitcoin | 1.36 | 3.16 | 1.33 | 2.56 | 11.96 |
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Dividends
Dividend yield
VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K provided a 1.79% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.79% | 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 | 1.29% | 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 | 4.00% | 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 | 0.67% | 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.
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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 33.14%, occurring on Mar 23, 2020. Recovery took 130 trading sessions.
The current VOO;SCHD;XLK; BTC(IBIT)($300;$300 ;$300 ;$100)401K drawdown is 3.34%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -33.14% | Feb 13, 2020 | 40 | Mar 23, 2020 | 130 | Jul 31, 2020 | 170 |
| -28.65% | Nov 9, 2021 | 338 | Oct 12, 2022 | 404 | Nov 20, 2023 | 742 |
| -26.81% | Dec 17, 2017 | 374 | Dec 25, 2018 | 171 | Jun 14, 2019 | 545 |
| -25.04% | Dec 5, 2013 | 14 | Dec 18, 2013 | 835 | Apr 1, 2016 | 849 |
| -19.67% | Dec 17, 2024 | 113 | Apr 8, 2025 | — | — | — |
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 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
| ^GSPC | BTC-USD | SCHD | XLK | VOO | Portfolio | |
|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.14 | 0.85 | 0.89 | 1.00 | 0.84 |
| BTC-USD | 0.14 | 1.00 | 0.08 | 0.11 | 0.12 | 0.61 |
| SCHD | 0.85 | 0.08 | 1.00 | 0.61 | 0.80 | 0.65 |
| XLK | 0.89 | 0.11 | 0.61 | 1.00 | 0.83 | 0.72 |
| VOO | 1.00 | 0.12 | 0.80 | 0.83 | 1.00 | 0.76 |
| Portfolio | 0.84 | 0.61 | 0.65 | 0.72 | 0.76 | 1.00 |