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Long Term
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Diversification

Asset Allocation


BND 12%FFRHX 9%VWEHX 8%BNDX 6%VMFXX 6%VTIP 1%GLD 10%VTI 17%VIG 17%VEU 5%VIGI 5%PHT 4%BondBondCommodityCommodityEquityEquity
PositionCategory/SectorTarget Weight
BND
Vanguard Total Bond Market ETF
Total Bond Market
12%
BNDX
Vanguard Total International Bond ETF
Total Bond Market
6%
FFRHX
Fidelity Floating Rate High Income Fund
High Yield Bonds
9%
GLD
SPDR Gold Trust
Precious Metals, Gold
10%
PHT
Pioneer High Income Fund, Inc.
Financial Services
4%
VEU
Vanguard FTSE All-World ex-US ETF
Foreign Large Cap Equities
5%
VIG
Vanguard Dividend Appreciation ETF
Large Cap Growth Equities, Dividend
17%
VIGI
Vanguard International Dividend Appreciation ETF
Foreign Large Cap Equities, Dividend
5%
VMFXX
Vanguard Federal Money Market Fund
Money Market
6%
VTI
Vanguard Total Stock Market ETF
Large Cap Growth Equities
17%
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
Inflation-Protected Bonds
1%
VWEHX
Vanguard High-Yield Corporate Fund Investor Shares
High Yield Bonds
8%

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Long Term, 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.


0.00%5.00%10.00%AugustSeptemberOctoberNovemberDecember2025
8.91%
13.33%
Long Term
Benchmark (^GSPC)
Portfolio components

The earliest data available for this chart is Mar 2, 2016, corresponding to the inception date of VIGI

Returns By Period


YTD1M6M1Y5Y*10Y*
^GSPC
S&P 500
4.03%1.30%13.33%25.68%13.22%11.55%
Long Term2.79%1.74%8.91%18.08%8.48%N/A
BND
Vanguard Total Bond Market ETF
-0.01%0.07%0.81%2.88%-0.63%1.15%
BNDX
Vanguard Total International Bond ETF
-0.29%-0.37%2.71%4.88%-0.19%1.72%
VWEHX
Vanguard High-Yield Corporate Fund Investor Shares
0.55%1.08%3.89%7.93%3.44%4.54%
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
0.56%0.74%2.51%5.35%3.48%2.62%
FFRHX
Fidelity Floating Rate High Income Fund
0.00%0.66%6.18%11.74%6.74%5.59%
PHT
Pioneer High Income Fund, Inc.
2.01%1.49%8.15%17.21%5.36%2.04%
VTI
Vanguard Total Stock Market ETF
4.27%1.70%14.10%27.08%14.16%12.99%
VIG
Vanguard Dividend Appreciation ETF
3.36%1.64%9.71%19.54%11.60%11.78%
VEU
Vanguard FTSE All-World ex-US ETF
3.10%2.30%3.04%10.83%4.99%5.27%
GLD
SPDR Gold Trust
4.93%5.23%16.37%36.30%11.30%7.54%
VIGI
Vanguard International Dividend Appreciation ETF
2.93%2.29%0.54%6.61%5.38%N/A
VMFXX
Vanguard Federal Money Market Fund
0.00%0.38%2.51%5.25%2.43%1.65%
*Annualized

Monthly Returns

The table below presents the monthly returns of Long Term, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20240.56%2.45%2.86%-2.44%2.77%1.46%2.85%2.20%1.91%-0.95%3.11%-2.36%15.16%
20234.71%-2.45%2.40%1.40%-1.09%3.58%2.18%-1.23%-3.33%-0.77%6.18%3.74%15.85%
2022-4.02%-1.46%1.20%-5.07%-0.44%-5.21%4.91%-2.87%-6.39%4.60%5.64%-2.64%-12.01%
2021-1.00%0.59%2.17%3.05%1.71%-0.05%1.54%1.84%-3.36%3.82%-1.29%3.16%12.61%
20200.62%-4.40%-9.21%7.07%3.46%1.40%4.53%3.31%-1.56%-1.25%6.25%3.05%12.77%
20194.95%2.16%1.02%2.26%-2.59%4.58%0.90%0.56%0.64%1.15%1.17%2.12%20.40%
20182.73%-2.57%-0.54%0.04%0.73%-0.25%1.88%1.14%0.30%-3.99%1.29%-3.94%-3.40%
20171.51%2.23%0.23%1.26%1.16%0.03%1.31%0.52%0.82%0.99%1.49%1.05%13.33%
20162.74%1.43%-0.31%1.91%2.24%-0.10%0.25%-1.57%-0.29%1.01%7.46%

Expense Ratio

Long Term has an expense ratio of 0.15%, which is considered low compared to other funds. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.


Expense ratio chart for FFRHX: current value at 0.67% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.67%
Expense ratio chart for GLD: current value at 0.40% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.40%
Expense ratio chart for VWEHX: current value at 0.23% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.23%
Expense ratio chart for VIGI: current value at 0.15% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.15%
Expense ratio chart for BNDX: current value at 0.07% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.07%
Expense ratio chart for VEU: current value at 0.07% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.07%
Expense ratio chart for VIG: current value at 0.06% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.06%
Expense ratio chart for VTIP: current value at 0.04% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.04%
Expense ratio chart for BND: current value at 0.03% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.03%
Expense ratio chart for VTI: current value at 0.03% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.03%
Expense ratio chart for VMFXX: current value at 0.00% compared with the broader market ranging from 0.00% to 2.12%.0.50%1.00%1.50%2.00%0.00%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 86, Long Term is among the top 14% 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.


The Risk-Adjusted Performance Rank of Long Term is 8686
Overall Rank
The Sharpe Ratio Rank of Long Term is 7979
Sharpe Ratio Rank
The Sortino Ratio Rank of Long Term is 8787
Sortino Ratio Rank
The Omega Ratio Rank of Long Term is 9191
Omega Ratio Rank
The Calmar Ratio Rank of Long Term is 8585
Calmar Ratio Rank
The Martin Ratio Rank of Long Term is 8585
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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
The chart of Sharpe ratio for Long Term, currently valued at 2.33, compared to the broader market-1.000.001.002.003.004.005.002.332.04
The chart of Sortino ratio for Long Term, currently valued at 3.17, compared to the broader market0.002.004.006.003.172.71
The chart of Omega ratio for Long Term, currently valued at 1.45, compared to the broader market0.801.001.201.401.601.801.451.37
The chart of Calmar ratio for Long Term, currently valued at 4.30, compared to the broader market0.002.004.006.008.0010.004.303.08
The chart of Martin ratio for Long Term, currently valued at 14.69, compared to the broader market0.0010.0020.0030.0040.0014.6912.65
Long Term
^GSPC

Portfolio components
Sharpe ratioSortino ratioOmega ratioCalmar ratioMartin ratio
BND
Vanguard Total Bond Market ETF
0.480.701.080.191.18
BNDX
Vanguard Total International Bond ETF
1.241.811.210.525.95
VWEHX
Vanguard High-Yield Corporate Fund Investor Shares
2.383.851.574.0512.80
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
3.004.581.646.8918.20
FFRHX
Fidelity Floating Rate High Income Fund
4.1113.834.2513.5969.63
PHT
Pioneer High Income Fund, Inc.
2.202.961.420.9810.99
VTI
Vanguard Total Stock Market ETF
2.032.701.373.0912.34
VIG
Vanguard Dividend Appreciation ETF
1.822.531.333.5510.08
VEU
Vanguard FTSE All-World ex-US ETF
0.811.191.151.042.67
GLD
SPDR Gold Trust
2.383.081.414.4211.83
VIGI
Vanguard International Dividend Appreciation ETF
0.520.801.100.551.44
VMFXX
Vanguard Federal Money Market Fund
3.62

The current Long Term Sharpe ratio is 2.33. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Compared to the broad market, where average Sharpe ratios range from 1.44 to 2.19, this portfolio's current Sharpe ratio is in the top 25%, it signifies superior risk-adjusted performance. This means that for the level of risk undertaken, the portfolio is generating impressive returns compared to most others.

Use the chart below to compare the Sharpe ratio of Long Term with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio1.502.002.503.003.504.00AugustSeptemberOctoberNovemberDecember2025
2.33
2.04
Long Term
Benchmark (^GSPC)
Portfolio components

Dividends

Dividend yield

Long Term provided a 3.59% dividend yield over the last twelve months.


TTM20242023202220212020201920182017201620152014
Portfolio3.59%3.62%3.56%2.88%2.44%2.14%2.78%2.96%2.45%2.47%2.72%2.44%
BND
Vanguard Total Bond Market ETF
3.67%3.67%3.09%2.60%1.97%2.22%2.72%2.81%2.54%2.51%2.57%2.79%
BNDX
Vanguard Total International Bond ETF
4.19%4.18%4.42%1.52%3.74%1.11%3.40%3.01%2.23%1.89%1.63%1.54%
VWEHX
Vanguard High-Yield Corporate Fund Investor Shares
6.09%6.13%5.68%5.11%4.15%4.62%5.25%5.93%5.30%5.39%5.88%5.59%
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
2.69%2.70%3.36%6.84%4.68%1.20%2.29%2.45%1.52%0.76%0.00%0.82%
FFRHX
Fidelity Floating Rate High Income Fund
11.06%11.06%10.34%6.41%3.27%3.85%5.17%5.50%4.01%3.94%4.25%4.00%
PHT
Pioneer High Income Fund, Inc.
8.41%8.52%9.40%11.48%8.18%9.32%8.55%9.79%8.70%9.45%14.48%9.65%
VTI
Vanguard Total Stock Market ETF
1.22%1.27%1.44%1.67%1.21%1.42%1.78%2.04%1.71%1.92%1.98%1.76%
VIG
Vanguard Dividend Appreciation ETF
1.67%1.73%1.88%1.96%1.55%1.63%1.71%2.08%1.88%2.14%2.34%1.95%
VEU
Vanguard FTSE All-World ex-US ETF
3.14%3.24%3.32%3.12%3.07%2.00%3.10%3.27%2.66%2.96%2.95%3.52%
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%
VIGI
Vanguard International Dividend Appreciation ETF
1.88%1.93%1.92%2.06%7.02%1.29%2.50%1.99%1.75%0.98%0.00%0.00%
VMFXX
Vanguard Federal Money Market Fund
5.11%5.11%4.97%1.54%0.01%0.45%2.12%1.61%0.50%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.


-8.00%-6.00%-4.00%-2.00%0.00%AugustSeptemberOctoberNovemberDecember202500
Long Term
Benchmark (^GSPC)
Portfolio components

Worst Drawdowns

The table below displays the maximum drawdowns of the Long Term. 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 Long Term was 23.06%, occurring on Mar 23, 2020. Recovery took 93 trading sessions.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-23.06%Feb 20, 202023Mar 23, 202093Aug 4, 2020116
-18.44%Dec 30, 2021202Oct 14, 2022299Dec 13, 2023501
-9.72%Sep 21, 201865Dec 24, 201853Mar 13, 2019118
-5.59%Jan 29, 20189Feb 8, 2018157Sep 20, 2018166
-4.37%Sep 3, 202014Sep 23, 202013Oct 12, 202027

Volatility

Volatility Chart

The current Long Term volatility is 2.21%, 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.


1.00%2.00%3.00%4.00%5.00%6.00%AugustSeptemberOctoberNovemberDecember2025
2.21%
4.10%
Long Term
Benchmark (^GSPC)
Portfolio components

Diversification

Asset Correlations Table

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

VMFXXGLDBNDXBNDFFRHXVTIPPHTVIGVWEHXVTIVEUVIGI
VMFXX1.00-0.020.030.030.310.010.05-0.020.27-0.02-0.04-0.03
GLD-0.021.000.290.410.030.410.130.050.110.050.200.21
BNDX0.030.291.000.77-0.030.410.140.060.210.040.050.11
BND0.030.410.771.00-0.010.550.140.040.250.020.050.12
FFRHX0.310.03-0.03-0.011.000.080.300.260.530.280.310.27
VTIP0.010.410.410.550.081.000.170.120.230.120.180.19
PHT0.050.130.140.140.300.171.000.420.430.460.450.45
VIG-0.020.050.060.040.260.120.421.000.400.910.740.74
VWEHX0.270.110.210.250.530.230.430.401.000.430.470.46
VTI-0.020.050.040.020.280.120.460.910.431.000.800.78
VEU-0.040.200.050.050.310.180.450.740.470.801.000.94
VIGI-0.030.210.110.120.270.190.450.740.460.780.941.00
The correlation results are calculated based on daily price changes starting from Mar 3, 2016
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The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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