Long Term
Asset Allocation
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.
The earliest data available for this chart is Mar 2, 2016, corresponding to the inception date of VIGI
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 4.03% | 1.30% | 13.33% | 25.68% | 13.22% | 11.55% |
| Long Term | 2.79% | 1.74% | 8.91% | 18.08% | 8.48% | N/A |
| Portfolio components: | ||||||
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% |
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 0.56% | 2.45% | 2.86% | -2.44% | 2.77% | 1.46% | 2.85% | 2.20% | 1.91% | -0.95% | 3.11% | -2.36% | 15.16% |
| 2023 | 4.71% | -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% |
| 2020 | 0.62% | -4.40% | -9.21% | 7.07% | 3.46% | 1.40% | 4.53% | 3.31% | -1.56% | -1.25% | 6.25% | 3.05% | 12.77% |
| 2019 | 4.95% | 2.16% | 1.02% | 2.26% | -2.59% | 4.58% | 0.90% | 0.56% | 0.64% | 1.15% | 1.17% | 2.12% | 20.40% |
| 2018 | 2.73% | -2.57% | -0.54% | 0.04% | 0.73% | -0.25% | 1.88% | 1.14% | 0.30% | -3.99% | 1.29% | -3.94% | -3.40% |
| 2017 | 1.51% | 2.23% | 0.23% | 1.26% | 1.16% | 0.03% | 1.31% | 0.52% | 0.82% | 0.99% | 1.49% | 1.05% | 13.33% |
| 2016 | 2.74% | 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.
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.
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 | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 0.48 | 0.70 | 1.08 | 0.19 | 1.18 |
BNDX Vanguard Total International Bond ETF | 1.24 | 1.81 | 1.21 | 0.52 | 5.95 |
VWEHX Vanguard High-Yield Corporate Fund Investor Shares | 2.38 | 3.85 | 1.57 | 4.05 | 12.80 |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 3.00 | 4.58 | 1.64 | 6.89 | 18.20 |
FFRHX Fidelity Floating Rate High Income Fund | 4.11 | 13.83 | 4.25 | 13.59 | 69.63 |
PHT Pioneer High Income Fund, Inc. | 2.20 | 2.96 | 1.42 | 0.98 | 10.99 |
VTI Vanguard Total Stock Market ETF | 2.03 | 2.70 | 1.37 | 3.09 | 12.34 |
VIG Vanguard Dividend Appreciation ETF | 1.82 | 2.53 | 1.33 | 3.55 | 10.08 |
VEU Vanguard FTSE All-World ex-US ETF | 0.81 | 1.19 | 1.15 | 1.04 | 2.67 |
GLD SPDR Gold Trust | 2.38 | 3.08 | 1.41 | 4.42 | 11.83 |
VIGI Vanguard International Dividend Appreciation ETF | 0.52 | 0.80 | 1.10 | 0.55 | 1.44 |
VMFXX Vanguard Federal Money Market Fund | 3.62 | — | — | — | — |
Dividends
Dividend yield
Long Term provided a 3.59% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.59% | 3.62% | 3.56% | 2.88% | 2.44% | 2.14% | 2.78% | 2.96% | 2.45% | 2.47% | 2.72% | 2.44% |
| Portfolio components: | ||||||||||||
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.
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, 2020 | 23 | Mar 23, 2020 | 93 | Aug 4, 2020 | 116 |
| -18.44% | Dec 30, 2021 | 202 | Oct 14, 2022 | 299 | Dec 13, 2023 | 501 |
| -9.72% | Sep 21, 2018 | 65 | Dec 24, 2018 | 53 | Mar 13, 2019 | 118 |
| -5.59% | Jan 29, 2018 | 9 | Feb 8, 2018 | 157 | Sep 20, 2018 | 166 |
| -4.37% | Sep 3, 2020 | 14 | Sep 23, 2020 | 13 | Oct 12, 2020 | 27 |
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.
Diversification
Asset Correlations Table
| VMFXX | GLD | BNDX | BND | FFRHX | VTIP | PHT | VIG | VWEHX | VTI | VEU | VIGI | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VMFXX | 1.00 | -0.02 | 0.03 | 0.03 | 0.31 | 0.01 | 0.05 | -0.02 | 0.27 | -0.02 | -0.04 | -0.03 |
| GLD | -0.02 | 1.00 | 0.29 | 0.41 | 0.03 | 0.41 | 0.13 | 0.05 | 0.11 | 0.05 | 0.20 | 0.21 |
| BNDX | 0.03 | 0.29 | 1.00 | 0.77 | -0.03 | 0.41 | 0.14 | 0.06 | 0.21 | 0.04 | 0.05 | 0.11 |
| BND | 0.03 | 0.41 | 0.77 | 1.00 | -0.01 | 0.55 | 0.14 | 0.04 | 0.25 | 0.02 | 0.05 | 0.12 |
| FFRHX | 0.31 | 0.03 | -0.03 | -0.01 | 1.00 | 0.08 | 0.30 | 0.26 | 0.53 | 0.28 | 0.31 | 0.27 |
| VTIP | 0.01 | 0.41 | 0.41 | 0.55 | 0.08 | 1.00 | 0.17 | 0.12 | 0.23 | 0.12 | 0.18 | 0.19 |
| PHT | 0.05 | 0.13 | 0.14 | 0.14 | 0.30 | 0.17 | 1.00 | 0.42 | 0.43 | 0.46 | 0.45 | 0.45 |
| VIG | -0.02 | 0.05 | 0.06 | 0.04 | 0.26 | 0.12 | 0.42 | 1.00 | 0.40 | 0.91 | 0.74 | 0.74 |
| VWEHX | 0.27 | 0.11 | 0.21 | 0.25 | 0.53 | 0.23 | 0.43 | 0.40 | 1.00 | 0.43 | 0.47 | 0.46 |
| VTI | -0.02 | 0.05 | 0.04 | 0.02 | 0.28 | 0.12 | 0.46 | 0.91 | 0.43 | 1.00 | 0.80 | 0.78 |
| VEU | -0.04 | 0.20 | 0.05 | 0.05 | 0.31 | 0.18 | 0.45 | 0.74 | 0.47 | 0.80 | 1.00 | 0.94 |
| VIGI | -0.03 | 0.21 | 0.11 | 0.12 | 0.27 | 0.19 | 0.45 | 0.74 | 0.46 | 0.78 | 0.94 | 1.00 |