4 ETFs and a BDC Portfolio
A portfolio that is balanced with as close to 4% yield as possible with some growth
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BNDX Vanguard Total International Bond ETF | Total Bond Market | 15% |
MAIN Main Street Capital Corporation | Financial Services | 10% |
SPHY SPDR Portfolio High Yield Bond ETF | High Yield Bonds | 10% |
VGSH Vanguard Short-Term Treasury ETF | Government Bonds | 15% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 50% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 4 ETFs and a BDC Portfolio, 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 Jun 4, 2013, corresponding to the inception date of BNDX
Returns By Period
As of Apr 19, 2025, the 4 ETFs and a BDC Portfolio returned -5.52% Year-To-Date and 8.26% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -6.71% | -9.92% | 6.35% | 13.40% | 9.65% |
| 4 ETFs and a BDC Portfolio | -7.90% | -5.70% | -5.59% | 9.04% | 13.07% | 9.06% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | -10.40% | -6.85% | -9.83% | 6.93% | 14.69% | 10.90% |
BNDX Vanguard Total International Bond ETF | 1.06% | 1.39% | 1.10% | 5.76% | 0.20% | 1.83% |
SPHY SPDR Portfolio High Yield Bond ETF | -0.17% | -1.72% | 0.07% | 8.24% | 6.26% | 4.34% |
MAIN Main Street Capital Corporation | -6.90% | -7.29% | 5.70% | 21.09% | 27.75% | 14.14% |
VGSH Vanguard Short-Term Treasury ETF | 1.95% | 0.59% | 2.25% | 6.18% | 1.17% | 1.48% |
Monthly Returns
The table below presents the monthly returns of 4 ETFs and a BDC Portfolio, 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 | 3.16% | -1.37% | -5.02% | -4.70% | -7.90% | ||||||||
| 2024 | 1.49% | 3.65% | 3.02% | -2.32% | 3.17% | 2.79% | 1.88% | 1.14% | 1.98% | -0.21% | 6.02% | -1.10% | 23.43% |
| 2023 | 5.97% | -0.72% | 1.25% | 1.21% | -0.04% | 4.75% | 3.35% | -1.78% | -3.15% | -2.56% | 7.99% | 4.83% | 22.41% |
| 2022 | -4.47% | -1.93% | 1.54% | -7.22% | -0.73% | -5.78% | 9.05% | -3.95% | -9.14% | 6.76% | 4.35% | -4.46% | -16.38% |
| 2021 | -0.28% | 3.54% | 3.24% | 4.43% | -0.06% | 1.79% | 1.37% | 2.08% | -3.15% | 5.20% | -0.74% | 2.72% | 21.74% |
| 2020 | 0.24% | -6.64% | -15.05% | 10.89% | 5.66% | 1.55% | 3.72% | 4.39% | -2.37% | -1.83% | 9.13% | 3.56% | 10.94% |
| 2019 | 6.49% | 2.98% | 0.65% | 3.29% | -3.57% | 5.14% | 1.61% | -0.33% | 0.77% | 1.20% | 2.27% | 1.95% | 24.49% |
| 2018 | 2.29% | -3.04% | -0.52% | 0.58% | 1.89% | 0.47% | 2.59% | 2.48% | -0.49% | -4.84% | 1.64% | -6.54% | -3.92% |
| 2017 | 0.54% | 2.86% | 0.54% | 1.48% | 0.13% | 0.75% | 1.28% | 0.51% | 1.60% | 1.48% | 1.84% | 0.71% | 14.57% |
| 2016 | -2.87% | 0.65% | 4.97% | 0.49% | 1.44% | 1.09% | 2.71% | 0.59% | 0.27% | -1.64% | 3.03% | 1.69% | 12.90% |
| 2015 | -1.04% | 3.88% | -0.56% | 0.39% | 0.52% | -0.70% | 0.59% | -4.22% | -2.04% | 5.85% | 1.01% | -2.31% | 0.98% |
| 2014 | -0.75% | 3.15% | -0.36% | -0.21% | 1.29% | 2.32% | -1.91% | 3.46% | -1.92% | 2.18% | 1.73% | -0.92% | 8.14% |
Expense Ratio
4 ETFs and a BDC Portfolio has an expense ratio of 0.04%, 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 4 ETFs and a BDC Portfolio is 69, 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 | |
|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 0.27 | 0.52 | 1.08 | 0.27 | 1.20 |
BNDX Vanguard Total International Bond ETF | 1.57 | 2.27 | 1.28 | 0.66 | 7.06 |
SPHY SPDR Portfolio High Yield Bond ETF | 1.61 | 2.34 | 1.35 | 1.81 | 10.34 |
MAIN Main Street Capital Corporation | 1.11 | 1.56 | 1.23 | 1.11 | 4.70 |
VGSH Vanguard Short-Term Treasury ETF | 3.80 | 6.53 | 1.88 | 6.41 | 18.76 |
Dividends
Dividend yield
4 ETFs and a BDC Portfolio provided a 3.55% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.55% | 3.37% | 3.46% | 2.68% | 2.35% | 2.40% | 2.99% | 2.99% | 2.50% | 2.54% | 2.68% | 2.45% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.45% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
BNDX Vanguard Total International Bond ETF | 4.25% | 4.18% | 4.42% | 1.52% | 3.74% | 1.11% | 3.40% | 3.01% | 2.23% | 1.89% | 1.63% | 1.54% |
SPHY SPDR Portfolio High Yield Bond ETF | 7.87% | 7.80% | 7.30% | 6.47% | 5.14% | 5.63% | 5.73% | 4.09% | 4.41% | 4.27% | 4.29% | 3.98% |
MAIN Main Street Capital Corporation | 7.79% | 7.02% | 8.55% | 7.97% | 5.74% | 6.99% | 6.76% | 8.43% | 7.02% | 7.42% | 9.15% | 8.72% |
VGSH Vanguard Short-Term Treasury ETF | 4.16% | 4.19% | 3.32% | 1.15% | 0.66% | 1.75% | 2.28% | 1.79% | 1.10% | 0.84% | 0.71% | 0.46% |
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 4 ETFs and a BDC Portfolio. 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 4 ETFs and a BDC Portfolio was 31.97%, occurring on Mar 23, 2020. Recovery took 114 trading sessions.
The current 4 ETFs and a BDC Portfolio drawdown is 8.66%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -31.97% | Feb 20, 2020 | 23 | Mar 23, 2020 | 114 | Sep 2, 2020 | 137 |
| -22.05% | Nov 9, 2021 | 233 | Oct 12, 2022 | 294 | Dec 13, 2023 | 527 |
| -16.59% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -14% | Aug 30, 2018 | 80 | Dec 24, 2018 | 69 | Apr 4, 2019 | 149 |
| -9.61% | Jul 17, 2015 | 145 | Feb 11, 2016 | 42 | Apr 13, 2016 | 187 |
Volatility
Volatility Chart
The current 4 ETFs and a BDC Portfolio volatility is 11.46%, 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
| BNDX | VGSH | MAIN | SPHY | VTI | |
|---|---|---|---|---|---|
| BNDX | 1.00 | 0.53 | -0.02 | 0.20 | -0.01 |
| VGSH | 0.53 | 1.00 | -0.09 | 0.12 | -0.13 |
| MAIN | -0.02 | -0.09 | 1.00 | 0.28 | 0.53 |
| SPHY | 0.20 | 0.12 | 0.28 | 1.00 | 0.47 |
| VTI | -0.01 | -0.13 | 0.53 | 0.47 | 1.00 |