Approaching 3% Dividend Yield

Asset Allocation

Position	Category/Sector	Target Weight
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	40%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	20%
VTEB Vanguard Tax-Exempt Bond ETF	Municipal Bonds	10%
VWO Vanguard FTSE Emerging Markets ETF	Emerging Markets Equities	10%
VXUS Vanguard Total International Stock ETF	Global Equities	10%
VNQ Vanguard Real Estate ETF	REIT	10%

Benchmark Against

Benchmark

S&P 500 Index

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Approaching 3% Dividend Yield, 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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Returns By Period

As of Jun 27, 2026, the Approaching 3% Dividend Yield returned 11.91% Year-To-Date and 11.23% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	1.18%	-1.84%	8.69%	7.74%	20.53%	18.69%	11.60%	13.47%
Portfolio Approaching 3% Dividend Yield	0.59%	-0.46%	11.91%	11.28%	21.76%	15.94%	8.60%	11.23%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	-0.50%	-0.97%	18.32%	17.51%	25.44%	13.78%	8.65%	12.43%
VNQ Vanguard Real Estate ETF	-0.53%	3.46%	13.09%	12.39%	15.21%	9.77%	3.16%	5.10%
VTEB Vanguard Tax-Exempt Bond ETF	0.16%	0.83%	2.13%	2.21%	6.96%	3.54%	0.99%	2.01%
VTI Vanguard Total Stock Market ETF	1.35%	-1.17%	10.16%	9.14%	22.82%	20.13%	12.06%	14.92%
VWO Vanguard FTSE Emerging Markets ETF	1.02%	-1.05%	10.21%	10.52%	22.95%	16.79%	4.95%	8.30%
VXUS Vanguard Total International Stock ETF	0.53%	-0.87%	13.20%	12.95%	26.83%	18.41%	8.62%	9.85%

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

Monthly Returns

Based on dividend-adjusted daily data since Aug 25, 2015, Approaching 3% Dividend Yield's average daily return is +0.05%, while the average monthly return is +0.99%. At this rate, an investment would double in approximately 5.9 years.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +10.6%, while the worst month was Mar 2020 at -13.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 4 months.

On a daily basis, Approaching 3% Dividend Yield closed higher 55% of trading days. The best single day was Mar 13, 2020 with a return of +7.8%, while the worst single day was Mar 16, 2020 at -10.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.75%	2.66%	-4.79%	7.74%	2.90%	-0.46%							11.91%
2025	2.17%	0.51%	-2.81%	-1.86%	3.74%	3.67%	0.86%	3.22%	2.27%	0.66%	0.90%	0.21%	14.16%
2024	-0.58%	3.32%	2.97%	-3.70%	3.37%	1.66%	3.31%	2.25%	2.41%	-1.43%	4.00%	-3.92%	14.05%
2023	6.19%	-3.55%	1.47%	0.42%	-1.74%	5.32%	3.49%	-2.56%	-4.33%	-2.96%	8.34%	5.45%	15.53%
2022	-4.31%	-2.42%	1.81%	-6.38%	0.59%	-6.94%	5.91%	-3.42%	-8.75%	5.76%	7.22%	-4.00%	-15.35%
2021	0.06%	3.03%	3.98%	3.79%	1.41%	1.21%	0.62%	2.11%	-3.85%	4.67%	-1.85%	4.48%	21.08%

Benchmark Metrics

Approaching 3% Dividend Yield has an annualized alpha of 0.56%, beta of 0.81, and R2 of 0.94 versus S&P 500 Index. Calculated based on daily prices since August 25, 2015.

This portfolio participated in 84.89% of S&P 500 Index downside but only 81.30% of its upside - more exposed to losses than it benefited from rallies.

Alpha: 0.56%

Beta: 0.81

R²: 0.94

Upside Capture: 81.30%

Downside Capture: 84.89%

See how alpha, beta & R² have trended over time →

Expense Ratio

Approaching 3% Dividend Yield 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.

VNQ

Vanguard Real Estate ETF

VWO

Vanguard FTSE Emerging Markets ETF

SCHD

Schwab U.S. Dividend Equity ETF

VXUS

Vanguard Total International Stock ETF

VTI

Vanguard Total Stock Market ETF

VTEB

Vanguard Tax-Exempt Bond ETF

Return for Risk

Risk / Return Rank

Approaching 3% Dividend Yield ranks 72 for risk / return — better than 72% of Portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

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

The table below presents risk-adjusted performance metrics for Approaching 3% Dividend Yield and compares them with S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	2.19	1.65	+0.55
Sortino ratioReturn per unit of downside risk	3.04	2.27	+0.77
Omega ratioGain probability vs. loss probability	1.41	1.30	+0.11
Calmar ratioReturn relative to maximum drawdown	3.11	2.27	+0.84
Martin ratioReturn relative to average drawdown	13.14	9.90	+3.24

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

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SCHD Schwab U.S. Dividend Equity ETF	86	2.32	3.54	1.41	5.54	13.29
VNQ Vanguard Real Estate ETF	36	1.12	1.61	1.20	1.83	5.78
VTEB Vanguard Tax-Exempt Bond ETF	79	2.61	3.86	1.57	2.58	9.10
VTI Vanguard Total Stock Market ETF	64	1.79	2.46	1.32	2.57	11.29
VWO Vanguard FTSE Emerging Markets ETF	46	1.37	1.93	1.26	2.06	7.18
VXUS Vanguard Total International Stock ETF	57	1.65	2.27	1.31	2.39	9.12

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. Learn how to interpret the Sharpe ratio.

The current Approaching 3% Dividend Yield Sharpe ratio is 2.19 as of Jun 27, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.32 to 2.19, 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 Approaching 3% Dividend Yield 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

Approaching 3% Dividend Yield provided a 2.36% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.36%	2.53%	2.59%	2.62%	2.66%	2.03%	2.20%	2.50%	2.73%	2.33%	2.54%	2.45%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	3.28%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
VNQ Vanguard Real Estate ETF	3.54%	3.92%	3.85%	3.95%	3.91%	2.56%	3.93%	3.39%	4.74%	4.23%	4.82%	3.92%
VTEB Vanguard Tax-Exempt Bond ETF	3.33%	3.29%	3.14%	2.79%	2.09%	1.64%	1.99%	2.30%	2.25%	1.96%	1.66%	0.58%
VTI Vanguard Total Stock Market ETF	1.31%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
VWO Vanguard FTSE Emerging Markets ETF	2.34%	2.79%	3.20%	3.52%	4.11%	2.63%	1.91%	3.23%	2.88%	2.30%	2.52%	3.26%
VXUS Vanguard Total International Stock ETF	2.58%	3.18%	3.37%	3.24%	3.09%	3.10%	2.14%	3.06%	3.18%	2.73%	2.93%	2.83%

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 Approaching 3% Dividend Yield. 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 Approaching 3% Dividend Yield was 32.25%, occurring on Mar 23, 2020. Recovery took 110 trading sessions.

The current Approaching 3% Dividend Yield drawdown is 1.61%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-32.25%Mar 2020	1mo 9d	5mo 7d	6mo 16dFeb 2020 - Aug 2020
Bear market2022	-22.84%Oct 2022	9mo 10d	1y 4mo	2y 1moJan 2022 - Feb 2024
Rate-hike selloffLate 2018	-15.27%Dec 2018	10mo 29d	2mo 27d	1y 1moJan 2018 - Mar 2019
2025 selloff2025	-14.48%Apr 2025	4mo 7d	2mo 5d	6mo 12dDec 2024 - Jun 2025
2016 correction2016	-11.43%Feb 2016	3mo 9d	1mo 20d	4mo 29dNov 2015 - Apr 2016

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 4.17, reflecting the diversification based on asset allocation. Your allocation shows noticeable concentration: a few holdings carry significantly more weight than the rest. Rebalancing toward more even weights — or adding less correlated assets — could reduce risk.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.23	1.17	1.14	1.11	1.11

The portfolio has a diversification ratio of 1.11, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

Approaching 3% Dividend Yield correlation to the S&P 500 Index

Approaching 3% Dividend Yield has a 0.88 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.88
Correlation (3Y) Calculated over the trailing 3-year period	0.90
Correlation (5Y) Calculated over the trailing 5-year period	0.93
Correlation (10Y) Calculated over the trailing 10-year period	0.94
Correlation (All Time) Calculated using the full available price history since Aug 25, 2015	0.94

Benchmark Correlations

Correlation vs. S&P 500 Index. VTI has the highest benchmark correlation at 0.99, while VTEB has the lowest at 0.03.

0.03

0.58

0.68

0.78

0.80

0.99

Portfolio Correlations

Correlation vs. Approaching 3% Dividend Yield. VTI has the highest portfolio correlation at 0.95, while VTEB has the lowest at 0.09.

0.09

0.70

0.78

0.86

0.88

0.95

Asset Correlations Table

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

	VTEB	VNQ	VWO	SCHD	VXUS	VTI
VTEB	1.00	0.20	0.05	-0.01	0.06	0.03
VNQ	0.20	1.00	0.41	0.63	0.52	0.60
VWO	0.05	0.41	1.00	0.55	0.88	0.69
SCHD	-0.01	0.63	0.55	1.00	0.69	0.78
VXUS	0.06	0.52	0.88	0.69	1.00	0.80
VTI	0.03	0.60	0.69	0.78	0.80	1.00

The correlation results are calculated based on daily price changes starting from Aug 25, 2015

Diversification Analysis

Find what Approaching 3% Dividend Yield is missing

See which holdings overlap, where Approaching 3% Dividend Yield is concentrated, and which low-correlation assets could fill the gaps.

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