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* | |
---|---|---|---|---|---|---|
S&P 500 | 2.66% | 1.61% | 15.23% | 22.15% | 12.59% | 11.41% |
Long Term | 2.95% | 2.49% | 10.37% | 17.51% | 8.37% | N/A |
Portfolio components: | ||||||
Vanguard Total Bond Market ETF | 0.83% | 0.91% | -0.34% | 3.52% | -0.52% | 1.28% |
Vanguard Total International Bond ETF | 0.70% | 0.89% | 2.38% | 5.66% | -0.05% | 1.87% |
Vanguard High-Yield Corporate Fund Investor Shares | 0.74% | 0.55% | 3.55% | 7.59% | 3.36% | 4.42% |
Vanguard Short-Term Inflation-Protected Securities ETF | 1.09% | 1.07% | 2.48% | 6.04% | 3.57% | 2.67% |
Fidelity Floating Rate High Income Fund | -0.11% | -0.11% | 5.77% | 10.95% | 6.75% | 5.50% |
Pioneer High Income Fund, Inc. | 3.05% | 2.26% | 9.11% | 18.41% | 5.47% | 4.29% |
Vanguard Total Stock Market ETF | 3.02% | 1.88% | 16.56% | 24.00% | 13.55% | 12.84% |
Vanguard Dividend Appreciation ETF | 3.26% | 3.08% | 11.44% | 18.80% | 11.31% | 11.80% |
Vanguard FTSE All-World ex-US ETF | 3.66% | 3.37% | 7.26% | 11.39% | 5.17% | 5.34% |
SPDR Gold Trust | 8.41% | 7.81% | 18.94% | 39.95% | 12.12% | 8.29% |
Vanguard International Dividend Appreciation ETF | 3.41% | 3.25% | 3.70% | 6.76% | 5.38% | N/A |
Vanguard Federal Money Market Fund | 0.00% | 0.00% | 2.05% | 4.78% | 2.40% | 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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2025 | 2.76% | 2.95% | |||||||||||
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 90, Long Term is among the top 10% 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 | |
---|---|---|---|---|---|
Vanguard Total Bond Market ETF | 0.63 | 0.91 | 1.11 | 0.24 | 1.62 |
Vanguard Total International Bond ETF | 1.51 | 2.23 | 1.27 | 0.62 | 7.25 |
Vanguard High-Yield Corporate Fund Investor Shares | 2.38 | 3.85 | 1.58 | 3.97 | 12.96 |
Vanguard Short-Term Inflation-Protected Securities ETF | 3.58 | 5.65 | 1.78 | 7.78 | 23.23 |
Fidelity Floating Rate High Income Fund | 3.90 | 12.83 | 3.95 | 12.67 | 64.21 |
Pioneer High Income Fund, Inc. | 2.24 | 3.02 | 1.44 | 1.04 | 11.16 |
Vanguard Total Stock Market ETF | 1.74 | 2.36 | 1.32 | 2.64 | 10.50 |
Vanguard Dividend Appreciation ETF | 1.68 | 2.37 | 1.31 | 3.25 | 9.19 |
Vanguard FTSE All-World ex-US ETF | 0.80 | 1.18 | 1.15 | 1.04 | 2.59 |
SPDR Gold Trust | 2.59 | 3.32 | 1.45 | 4.83 | 13.05 |
Vanguard International Dividend Appreciation ETF | 0.52 | 0.81 | 1.10 | 0.56 | 1.40 |
Vanguard Federal Money Market Fund | 3.45 | — | — | — | — |
Dividends
Dividend yield
Long Term provided a 3.46% dividend yield over the last twelve months.
TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Portfolio | 3.46% | 3.62% | 3.56% | 2.88% | 2.44% | 2.14% | 2.78% | 2.96% | 2.45% | 2.47% | 2.72% | 2.44% |
Portfolio components: | ||||||||||||
Vanguard Total Bond Market ETF | 3.68% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
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% |
Vanguard High-Yield Corporate Fund Investor Shares | 5.59% | 6.13% | 5.68% | 5.11% | 4.15% | 4.62% | 5.25% | 5.93% | 5.30% | 5.39% | 5.88% | 5.59% |
Vanguard Short-Term Inflation-Protected Securities ETF | 2.67% | 2.70% | 3.36% | 6.84% | 4.68% | 1.20% | 2.29% | 2.45% | 1.52% | 0.76% | 0.00% | 0.82% |
Fidelity Floating Rate High Income Fund | 10.36% | 11.06% | 10.34% | 6.41% | 3.27% | 3.85% | 5.17% | 5.50% | 4.01% | 3.94% | 4.25% | 4.00% |
Pioneer High Income Fund, Inc. | 8.32% | 8.52% | 9.40% | 11.48% | 8.18% | 9.32% | 8.55% | 9.79% | 8.70% | 9.45% | 14.48% | 9.65% |
Vanguard Total Stock Market ETF | 1.23% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
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% |
Vanguard FTSE All-World ex-US ETF | 3.13% | 3.24% | 3.32% | 3.12% | 3.07% | 2.00% | 3.10% | 3.27% | 2.66% | 2.96% | 2.95% | 3.52% |
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% |
Vanguard International Dividend Appreciation ETF | 1.87% | 1.93% | 1.92% | 2.06% | 7.02% | 1.29% | 2.50% | 1.99% | 1.75% | 0.98% | 0.00% | 0.00% |
Vanguard Federal Money Market Fund | 4.66% | 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 2.14%, 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 | 0.40 | 0.03 | 0.41 | 0.13 | 0.05 | 0.11 | 0.05 | 0.21 | 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 | 0.40 | 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 | 0.18 | 0.12 | 0.23 | 0.12 | 0.17 | 0.19 |
PHT | 0.05 | 0.13 | 0.14 | 0.14 | 0.30 | 0.18 | 1.00 | 0.42 | 0.42 | 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 | 0.42 | 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 | 0.21 | 0.05 | 0.05 | 0.31 | 0.17 | 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 |