UTMA

Asset Allocation

Position	Category/Sector	Target Weight
AVGO Broadcom Inc.	Technology	5%
BRK-B Berkshire Hathaway Inc.	Financial Services	7%
COKE Coca-Cola Consolidated, Inc.	Consumer Defensive	5%
DE Deere & Company	Industrials	5%
EQIX Equinix, Inc.	Real Estate	5%
SGOV iShares 0-3 Month Treasury Bond ETF	Ultrashort Bond	50%
SPHY SPDR Portfolio High Yield Bond ETF	High Yield Bonds	5%
TSM Taiwan Semiconductor Manufacturing Company Limited	Technology	5%
UNH UnitedHealth Group Incorporated	Healthcare	5%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	8%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in UTMA, 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 never rebalanced.

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The earliest data available for this chart is May 28, 2020, corresponding to the inception date of SGOV

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.72%	-3.54%	-3.95%	-2.09%	15.95%	16.96%	10.34%	12.24%
Portfolio UTMA	1.36%	-1.49%	4.34%	9.17%	30.53%	25.76%	17.05%	—
Portfolio components:
SGOV iShares 0-3 Month Treasury Bond ETF	0.02%	0.30%	0.88%	1.89%	4.07%	4.80%	3.41%	—
VTI Vanguard Total Stock Market ETF	0.76%	-4.38%	-3.29%	-1.26%	18.60%	18.14%	10.63%	13.69%
BRK-B Berkshire Hathaway Inc.	-0.15%	-0.35%	-4.80%	-3.95%	-10.22%	15.72%	13.13%	12.78%
TSM Taiwan Semiconductor Manufacturing Company Limited	1.05%	-7.22%	12.69%	19.02%	104.95%	56.55%	24.34%	32.58%
SPHY SPDR Portfolio High Yield Bond ETF	0.25%	-0.69%	-0.07%	1.01%	7.16%	8.49%	4.36%	5.32%
UNH UnitedHealth Group Incorporated	1.25%	-6.38%	-16.36%	-20.19%	-46.15%	-14.96%	-4.05%	9.53%
AVGO Broadcom Inc.	1.29%	-1.47%	-9.23%	-5.59%	87.53%	71.96%	48.74%	38.30%
COKE Coca-Cola Consolidated, Inc.	4.83%	-2.60%	31.34%	69.57%	45.85%	57.23%	48.71%	29.48%
DE Deere & Company	1.31%	-9.27%	22.94%	27.14%	20.84%	12.95%	10.37%	24.25%
EQIX Equinix, Inc.	1.61%	3.09%	30.70%	30.17%	24.74%	13.74%	10.12%	13.86%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since May 29, 2020, UTMA's average daily return is +0.07%, while the average monthly return is +1.49%. At this rate, your investment would double in approximately 3.9 years.

Historically, 74% of months were positive and 26% were negative. The best month was Feb 2026 with a return of +7.1%, while the worst month was Jun 2022 at -5.7%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 2 months.

On a daily basis, UTMA closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +7.0%, while the worst single day was Jan 27, 2025 at -4.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	0.47%	7.10%	-4.34%	1.36%									4.34%
2025	2.31%	-2.60%	-4.31%	1.68%	3.91%	4.49%	2.07%	0.90%	5.35%	5.31%	5.06%	-4.24%	21.01%
2024	1.39%	2.79%	2.25%	-2.17%	4.03%	6.02%	1.92%	4.27%	1.63%	-1.75%	3.79%	4.53%	32.37%
2023	2.54%	-0.49%	1.48%	0.11%	3.88%	3.51%	1.98%	0.15%	-3.56%	-0.10%	5.42%	6.58%	23.23%
2022	-1.99%	-2.67%	3.56%	-5.36%	1.46%	-5.70%	4.09%	-2.41%	-5.54%	5.13%	6.15%	-1.45%	-5.58%
2021	1.58%	2.26%	2.13%	1.42%	2.56%	0.32%	0.46%	1.56%	-3.22%	3.31%	2.40%	4.48%	20.83%

Benchmark Metrics

UTMA has an annualized alpha of 9.61%, beta of 0.63, and R² of 0.68 versus S&P 500 Index. Calculated based on daily prices since May 29, 2020.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (78.15%) than losses (44.93%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 9.61% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.63 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 9.61%

Beta: 0.63

R²: 0.68

Upside Capture: 78.15%

Downside Capture: 44.93%

Expense Ratio

UTMA has an expense ratio of 0.05%, 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.

SPHY

SPDR Portfolio High Yield Bond ETF

SGOV

iShares 0-3 Month Treasury Bond ETF

VTI

Vanguard Total Stock Market ETF

Return for Risk

Risk / Return Rank

UTMA ranks 85 for risk / return — in the top 85% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	1.81	0.92	+0.89
Sortino ratio Return per unit of downside risk	2.68	1.41	+1.27
Omega ratio Gain probability vs. loss probability	1.36	1.21	+0.14
Calmar ratio Return relative to maximum drawdown	4.00	1.41	+2.58
Martin ratio Return relative to average drawdown	12.62	6.61	+6.00
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.

	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SGOV iShares 0-3 Month Treasury Bond ETF	100	20.61	283.87	201.33	411.31	4,618.08
VTI Vanguard Total Stock Market ETF	59	0.98	1.52	1.23	1.54	7.30
BRK-B Berkshire Hathaway Inc.	17	-0.56	-0.65	0.91	-0.68	-1.16
TSM Taiwan Semiconductor Manufacturing Company Limited	94	2.74	3.30	1.42	5.96	20.06
SPHY SPDR Portfolio High Yield Bond ETF	75	1.31	1.94	1.31	1.81	9.48
UNH UnitedHealth Group Incorporated	11	-0.91	-1.12	0.82	-0.77	-1.02
AVGO Broadcom Inc.	86	1.82	2.55	1.33	3.10	7.61
COKE Coca-Cola Consolidated, Inc.	76	1.43	1.87	1.26	1.99	3.70
DE Deere & Company	64	0.70	1.28	1.15	1.38	2.79
EQIX Equinix, Inc.	66	0.89	1.37	1.20	1.27	2.26

Sharpe Ratio

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

UTMA Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 1.81
5-Year: 1.27
All Time: 1.48

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 1.00 to 1.70, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of UTMA compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Dividends

Dividend yield

UTMA provided a 2.87% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.87%	2.95%	3.47%	3.34%	1.68%	0.75%	0.87%	1.04%	1.02%	0.82%	0.89%	1.11%
Portfolio components:
SGOV iShares 0-3 Month Treasury Bond ETF	3.95%	4.10%	5.10%	4.87%	1.45%	0.03%	0.05%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.17%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
BRK-B Berkshire Hathaway Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TSM Taiwan Semiconductor Manufacturing Company Limited	0.97%	1.00%	1.18%	1.78%	2.49%	1.57%	1.56%	3.46%	3.64%	2.32%	2.61%	2.54%
SPHY SPDR Portfolio High Yield Bond ETF	7.37%	7.38%	7.80%	7.30%	6.47%	5.13%	5.63%	5.73%	4.09%	4.41%	4.27%	4.29%
UNH UnitedHealth Group Incorporated	3.23%	2.64%	1.62%	1.38%	1.21%	1.12%	1.38%	1.41%	1.38%	1.30%	1.48%	1.59%
AVGO Broadcom Inc.	0.79%	0.70%	0.94%	1.71%	3.02%	2.24%	3.05%	3.54%	3.11%	1.87%	1.43%	1.13%
COKE Coca-Cola Consolidated, Inc.	0.50%	0.65%	1.59%	0.54%	0.20%	0.16%	0.38%	0.35%	0.56%	0.46%	0.56%	0.55%
DE Deere & Company	1.14%	1.39%	1.42%	1.33%	1.05%	1.14%	1.13%	1.75%	1.84%	1.53%	2.33%	3.15%
EQIX Equinix, Inc.	1.93%	2.45%	1.81%	1.80%	1.89%	1.36%	1.49%	1.69%	2.59%	1.77%	1.96%	5.86%

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 UTMA. 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 UTMA was 15.42%, occurring on Sep 30, 2022. Recovery took 164 trading sessions.

The current UTMA drawdown is 3.97%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-15.42%	Jan 5, 2022	186	Sep 30, 2022	164	May 26, 2023	350
-13.83%	Jan 27, 2025	49	Apr 4, 2025	57	Jun 27, 2025	106
-8.1%	Feb 26, 2026	23	Mar 30, 2026	—	—	—
-7.1%	Dec 11, 2025	5	Dec 17, 2025	42	Feb 19, 2026	47
-5.17%	Aug 8, 2023	58	Oct 27, 2023	12	Nov 14, 2023	70

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 10 assets, with an effective number of assets of 3.59, 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

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

	Benchmark	SGOV	UNH	COKE	DE	EQIX	BRK-B	TSM	AVGO	SPHY	VTI	Portfolio
Benchmark	1.00	-0.02	0.32	0.33	0.46	0.50	0.56	0.61	0.69	0.70	0.99	0.83
SGOV	-0.02	1.00	0.02	-0.02	-0.05	0.01	-0.04	-0.01	-0.02	-0.02	-0.02	-0.02
UNH	0.32	0.02	1.00	0.17	0.25	0.22	0.34	0.08	0.12	0.20	0.31	0.31
COKE	0.33	-0.02	0.17	1.00	0.18	0.22	0.30	0.12	0.18	0.26	0.33	0.44
DE	0.46	-0.05	0.25	0.18	1.00	0.18	0.46	0.25	0.24	0.34	0.48	0.50
EQIX	0.50	0.01	0.22	0.22	0.18	1.00	0.26	0.30	0.33	0.46	0.50	0.46
BRK-B	0.56	-0.04	0.34	0.30	0.46	0.26	1.00	0.18	0.22	0.42	0.55	0.46
TSM	0.61	-0.01	0.08	0.12	0.25	0.30	0.18	1.00	0.65	0.42	0.61	0.72
AVGO	0.69	-0.02	0.12	0.18	0.24	0.33	0.22	0.65	1.00	0.46	0.68	0.81
SPHY	0.70	-0.02	0.20	0.26	0.34	0.46	0.42	0.42	0.46	1.00	0.72	0.57
VTI	0.99	-0.02	0.31	0.33	0.48	0.50	0.55	0.61	0.68	0.72	1.00	0.83
Portfolio	0.83	-0.02	0.31	0.44	0.50	0.46	0.46	0.72	0.81	0.57	0.83	1.00

The correlation results are calculated based on daily price changes starting from May 29, 2020

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table