Final Portfolio - Accumulation 1
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 10% |
DSPIX BNY Mellon Institutional S&P 500 Stock Index Fund | Large Cap Blend Equities | 60% |
VXUS Vanguard Total International Stock ETF | Foreign Large Cap Equities | 30% |
Performance
Performance Chart
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The earliest data available for this chart is Jan 28, 2011, corresponding to the inception date of VXUS
Returns By Period
As of May 17, 2025, the Final Portfolio - Accumulation 1 returned 5.16% Year-To-Date and 9.51% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 1.30% | 12.94% | 1.49% | 12.48% | 15.82% | 10.87% |
| Final Portfolio - Accumulation 1 | 5.16% | 10.53% | 5.27% | 12.34% | 14.02% | 9.51% |
| Portfolio components: | ||||||
VXUS Vanguard Total International Stock ETF | 12.83% | 9.21% | 11.94% | 10.52% | 11.83% | 5.27% |
DSPIX BNY Mellon Institutional S&P 500 Stock Index Fund | 1.75% | 13.08% | 2.30% | 14.02% | 17.47% | 12.73% |
BND Vanguard Total Bond Market ETF | 2.08% | -0.13% | 1.92% | 4.51% | -0.96% | 1.50% |
Monthly Returns
The table below presents the monthly returns of Final Portfolio - Accumulation 1, 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 | 2.74% | -0.03% | -3.20% | 0.66% | 5.06% | 5.16% | |||||||
| 2024 | 0.46% | 3.96% | 2.99% | -3.40% | 4.33% | 1.99% | 1.74% | 2.33% | 2.19% | -2.13% | 3.60% | -2.34% | 16.48% |
| 2023 | 6.68% | -3.03% | 3.31% | 1.55% | -0.91% | 5.29% | 3.08% | -2.36% | -4.15% | -2.44% | 8.40% | 4.77% | 21.04% |
| 2022 | -4.17% | -2.76% | 1.81% | -7.58% | 0.64% | -7.49% | 6.84% | -4.08% | -8.92% | 5.75% | 7.58% | -4.34% | -17.07% |
| 2021 | -0.63% | 2.19% | 3.07% | 4.12% | 1.33% | 1.39% | 1.20% | 2.24% | -3.95% | 5.05% | -1.67% | 3.81% | 19.32% |
| 2020 | -0.86% | -6.76% | -12.26% | 10.23% | 4.45% | 2.51% | 4.77% | 5.58% | -2.90% | -1.65% | 9.66% | 4.10% | 15.44% |
| 2019 | 7.23% | 2.42% | 1.58% | 3.26% | -5.30% | 6.06% | 0.27% | -1.34% | 1.86% | 2.54% | 2.29% | 3.13% | 26.09% |
| 2018 | 5.02% | -3.93% | -1.59% | 0.27% | 1.02% | -0.25% | 2.98% | 1.30% | 0.34% | -7.37% | 2.45% | -6.56% | -6.88% |
| 2017 | 2.37% | 2.83% | 0.97% | 1.30% | 1.80% | 0.55% | 2.27% | 0.43% | 1.75% | 1.99% | 2.01% | 1.33% | 21.43% |
| 2016 | -4.49% | -0.73% | 6.58% | 0.90% | 0.77% | 0.07% | 3.61% | 0.19% | 0.51% | -1.76% | 1.36% | 1.81% | 8.75% |
| 2015 | -1.48% | 5.00% | -1.35% | 1.97% | 0.43% | -2.11% | 1.18% | -5.88% | -2.50% | 6.93% | -0.26% | -1.62% | -0.33% |
| 2014 | -3.56% | 4.44% | 0.62% | 0.90% | 2.08% | 1.81% | -1.38% | 2.86% | -2.40% | 1.50% | 1.56% | -1.27% | 7.07% |
Expense Ratio
Final Portfolio - Accumulation 1 has an expense ratio of 0.14%, 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 Final Portfolio - Accumulation 1 is 58, 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 | |
|---|---|---|---|---|---|
VXUS Vanguard Total International Stock ETF | 0.63 | 1.05 | 1.14 | 0.83 | 2.62 |
DSPIX BNY Mellon Institutional S&P 500 Stock Index Fund | 0.72 | 1.21 | 1.18 | 0.81 | 3.12 |
BND Vanguard Total Bond Market ETF | 0.86 | 1.37 | 1.16 | 0.40 | 2.40 |
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Dividends
Dividend yield
Final Portfolio - Accumulation 1 provided a 17.87% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 17.87% | 18.25% | 17.76% | 12.18% | 8.87% | 3.65% | 4.20% | 5.04% | 2.59% | 2.87% | 2.69% | 2.32% |
| Portfolio components: | ||||||||||||
VXUS Vanguard Total International Stock ETF | 2.94% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% | 3.40% |
DSPIX BNY Mellon Institutional S&P 500 Stock Index Fund | 27.69% | 28.12% | 27.46% | 18.33% | 12.91% | 4.64% | 5.01% | 6.33% | 2.53% | 2.91% | 2.63% | 1.70% |
BND Vanguard Total Bond Market ETF | 3.76% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
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 Final Portfolio - Accumulation 1. 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 Final Portfolio - Accumulation 1 was 30.53%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.53% | Feb 13, 2020 | 27 | Mar 23, 2020 | 99 | Aug 12, 2020 | 126 |
| -24.49% | Jan 4, 2022 | 195 | Oct 12, 2022 | 303 | Dec 27, 2023 | 498 |
| -19.03% | May 2, 2011 | 108 | Oct 3, 2011 | 111 | Mar 13, 2012 | 219 |
| -16.96% | Jan 29, 2018 | 229 | Dec 24, 2018 | 81 | Apr 23, 2019 | 310 |
| -15% | May 22, 2015 | 183 | Feb 11, 2016 | 117 | Jul 29, 2016 | 300 |
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 3 assets, with an effective number of assets of 2.17, 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
| ^GSPC | BND | VXUS | DSPIX | Portfolio | |
|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.10 | 0.82 | 0.99 | 0.97 |
| BND | -0.10 | 1.00 | -0.06 | -0.10 | -0.06 |
| VXUS | 0.82 | -0.06 | 1.00 | 0.81 | 0.92 |
| DSPIX | 0.99 | -0.10 | 0.81 | 1.00 | 0.97 |
| Portfolio | 0.97 | -0.06 | 0.92 | 0.97 | 1.00 |