Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FENY Fidelity MSCI Energy Index ETF | Energy Equities | 5% |
FHLC Fidelity MSCI Health Care Index ETF | Health & Biotech Equities | 5% |
ILCG iShares Morningstar Growth ETF | Large Cap Growth Equities | 5% |
USRT iShares Core U.S. REIT ETF | REIT | 5% |
VOO Vanguard S&P 500 ETF | S&P 500 | 75% |
XLK State Street Technology Select Sector SPDR ETF | Technology Equities | 5% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Diverse Retirement Aggressive, 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.
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The earliest data available for this chart is Oct 24, 2013, corresponding to the inception date of FENY
Returns By Period
As of Apr 2, 2026, the Diverse Retirement Aggressive returned -1.31% Year-To-Date and 14.16% of annualized return in the last 10 years.
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.11% | -3.43% | -3.84% | -1.98% | 16.08% | 16.86% | 10.37% | 12.29% |
Portfolio Diverse Retirement Aggressive | 0.19% | -2.59% | -1.31% | 0.80% | 18.62% | 18.02% | 12.41% | 14.16% |
| Portfolio components: | ||||||||
VOO Vanguard S&P 500 ETF | 0.11% | -3.33% | -3.55% | -1.41% | 17.60% | 18.47% | 11.96% | 14.19% |
ILCG iShares Morningstar Growth ETF | 0.07% | -3.35% | -6.89% | -7.50% | 17.96% | 21.10% | 11.18% | 15.78% |
XLK State Street Technology Select Sector SPDR ETF | 0.80% | -0.98% | -5.43% | -4.69% | 30.55% | 22.58% | 15.84% | 21.15% |
FENY Fidelity MSCI Energy Index ETF | 0.73% | 6.06% | 34.15% | 36.66% | 32.24% | 15.46% | 23.47% | 10.77% |
FHLC Fidelity MSCI Health Care Index ETF | -0.52% | -5.31% | -4.72% | 3.49% | 5.93% | 5.91% | 5.12% | 9.53% |
USRT iShares Core U.S. REIT ETF | 1.11% | -4.13% | 6.05% | 4.50% | 7.14% | 9.58% | 5.47% | 5.61% |
Monthly Returns
Based on dividend-adjusted daily data since Oct 25, 2013, Diverse Retirement Aggressive's average daily return is +0.05%, while the average monthly return is +1.10%. At this rate, your investment would double in approximately 5.3 years.
Historically, 69% of months were positive and 31% were negative. The best month was Apr 2020 with a return of +13.8%, while the worst month was Mar 2020 at -13.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Diverse Retirement Aggressive closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +9.6%, while the worst single day was Mar 16, 2020 at -12.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.96% | 0.12% | -4.12% | 0.83% | -1.31% | ||||||||
| 2025 | 2.60% | -0.92% | -5.11% | -1.43% | 5.74% | 5.09% | 2.03% | 2.20% | 3.41% | 2.33% | 0.47% | -0.14% | 16.98% |
| 2024 | 1.32% | 4.93% | 3.32% | -4.16% | 4.78% | 3.54% | 1.22% | 2.38% | 1.81% | -1.11% | 5.76% | -2.92% | 22.34% |
| 2023 | 6.26% | -2.71% | 3.59% | 1.54% | 0.17% | 6.38% | 3.34% | -1.45% | -4.52% | -2.40% | 8.88% | 4.65% | 25.31% |
| 2022 | -4.61% | -2.36% | 4.40% | -8.42% | 0.58% | -8.52% | 9.40% | -4.07% | -9.24% | 8.59% | 5.25% | -5.65% | -15.85% |
| 2021 | -0.48% | 3.42% | 4.01% | 5.22% | 0.78% | 2.90% | 2.18% | 2.73% | -4.21% | 7.19% | -0.86% | 4.61% | 30.57% |
Benchmark Metrics
Diverse Retirement Aggressive has an annualized alpha of 1.77%, beta of 0.99, and R² of 0.99 versus S&P 500 Index. Calculated based on daily prices since October 25, 2013.
- This portfolio captured 104.92% of S&P 500 Index gains but only 96.44% of its losses — a favorable profile for investors.
- With beta of 0.99 and R² of 0.99, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- 1.77%
- Beta
- 0.99
- R²
- 0.99
- Upside Capture
- 104.92%
- Downside Capture
- 96.44%
Expense Ratio
Diverse Retirement Aggressive 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.
Return for Risk
Risk / Return Rank
Diverse Retirement Aggressive ranks 40 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.05 | 0.88 | +0.17 |
Sortino ratioReturn per unit of downside risk | 1.58 | 1.37 | +0.22 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.21 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.57 | 1.39 | +0.18 |
Martin ratioReturn relative to average drawdown | 8.00 | 6.43 | +1.57 |
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 | |
|---|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | 54 | 0.98 | 1.49 | 1.23 | 1.53 | 7.13 |
ILCG iShares Morningstar Growth ETF | 40 | 0.80 | 1.28 | 1.18 | 1.21 | 4.12 |
XLK State Street Technology Select Sector SPDR ETF | 61 | 1.13 | 1.71 | 1.24 | 1.98 | 6.27 |
FENY Fidelity MSCI Energy Index ETF | 59 | 1.28 | 1.68 | 1.25 | 1.70 | 4.88 |
FHLC Fidelity MSCI Health Care Index ETF | 20 | 0.34 | 0.59 | 1.07 | 0.65 | 1.50 |
USRT iShares Core U.S. REIT ETF | 23 | 0.43 | 0.69 | 1.09 | 0.59 | 2.44 |
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Dividends
Dividend yield
Diverse Retirement Aggressive provided a 1.27% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.27% | 1.28% | 1.36% | 1.56% | 1.76% | 1.34% | 1.68% | 2.04% | 2.18% | 1.84% | 2.03% | 2.15% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
ILCG iShares Morningstar Growth ETF | 0.50% | 0.47% | 0.50% | 0.69% | 0.75% | 0.34% | 0.28% | 0.54% | 0.81% | 0.89% | 0.95% | 0.99% |
XLK State Street Technology Select Sector SPDR ETF | 0.56% | 0.54% | 0.66% | 0.76% | 1.04% | 0.65% | 0.92% | 1.16% | 1.60% | 1.37% | 1.74% | 1.79% |
FENY Fidelity MSCI Energy Index ETF | 2.38% | 3.18% | 3.05% | 3.33% | 3.33% | 3.69% | 4.60% | 6.43% | 3.21% | 2.94% | 2.29% | 3.05% |
FHLC Fidelity MSCI Health Care Index ETF | 1.44% | 1.40% | 1.51% | 1.40% | 1.30% | 1.16% | 1.45% | 1.18% | 1.38% | 1.38% | 1.40% | 2.07% |
USRT iShares Core U.S. REIT ETF | 2.84% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
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 Diverse Retirement Aggressive. 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 Diverse Retirement Aggressive was 34.89%, occurring on Mar 23, 2020. Recovery took 102 trading sessions.
The current Diverse Retirement Aggressive drawdown is 4.27%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.89% | Feb 20, 2020 | 23 | Mar 23, 2020 | 102 | Aug 17, 2020 | 125 |
| -22.45% | Jan 4, 2022 | 187 | Sep 30, 2022 | 207 | Jul 31, 2023 | 394 |
| -19.63% | Oct 4, 2018 | 56 | Dec 24, 2018 | 75 | Apr 12, 2019 | 131 |
| -18.49% | Feb 20, 2025 | 34 | Apr 8, 2025 | 54 | Jun 26, 2025 | 88 |
| -13.73% | May 22, 2015 | 183 | Feb 11, 2016 | 74 | May 27, 2016 | 257 |
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 6 assets, with an effective number of assets of 1.74, 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
| Benchmark | FENY | USRT | FHLC | XLK | ILCG | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.51 | 0.56 | 0.73 | 0.89 | 0.93 | 1.00 | 0.99 |
| FENY | 0.51 | 1.00 | 0.31 | 0.34 | 0.34 | 0.35 | 0.50 | 0.55 |
| USRT | 0.56 | 0.31 | 1.00 | 0.50 | 0.41 | 0.46 | 0.56 | 0.59 |
| FHLC | 0.73 | 0.34 | 0.50 | 1.00 | 0.58 | 0.67 | 0.73 | 0.74 |
| XLK | 0.89 | 0.34 | 0.41 | 0.58 | 1.00 | 0.93 | 0.89 | 0.88 |
| ILCG | 0.93 | 0.35 | 0.46 | 0.67 | 0.93 | 1.00 | 0.92 | 0.92 |
| VOO | 1.00 | 0.50 | 0.56 | 0.73 | 0.89 | 0.92 | 1.00 | 1.00 |
| Portfolio | 0.99 | 0.55 | 0.59 | 0.74 | 0.88 | 0.92 | 1.00 | 1.00 |