Contra-Loan
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 50% |
VGT Vanguard Information Technology ETF | Technology Equities | 50% |
Performance
Performance Chart
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The earliest data available for this chart is Dec 11, 2009, corresponding to the inception date of SCHG
Returns By Period
As of Jun 1, 2025, the Contra-Loan returned -1.68% Year-To-Date and 17.83% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.51% | 5.49% | -2.00% | 12.02% | 14.19% | 10.85% |
| Contra-Loan | -1.68% | 7.82% | -1.45% | 15.63% | 18.77% | 17.83% |
| Portfolio components: | ||||||
VGT Vanguard Information Technology ETF | -2.36% | 8.44% | -2.31% | 14.03% | 19.26% | 19.78% |
SCHG Schwab U.S. Large-Cap Growth ETF | -1.01% | 7.20% | -0.61% | 17.22% | 18.23% | 15.84% |
Monthly Returns
The table below presents the monthly returns of Contra-Loan, 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 | 0.62% | -3.53% | -8.68% | 1.41% | 9.39% | -1.68% | |||||||
| 2024 | 2.33% | 5.87% | 1.76% | -4.80% | 7.05% | 7.44% | -1.23% | 1.41% | 2.48% | -0.58% | 7.02% | 0.23% | 32.12% |
| 2023 | 9.82% | -0.37% | 8.95% | 0.55% | 7.41% | 6.50% | 3.20% | -1.57% | -5.90% | -1.61% | 12.22% | 4.66% | 51.43% |
| 2022 | -8.39% | -4.20% | 3.98% | -12.54% | -2.27% | -8.66% | 13.15% | -5.41% | -10.91% | 5.93% | 4.70% | -8.10% | -30.74% |
| 2021 | -0.71% | 0.94% | 1.11% | 6.39% | -1.43% | 6.79% | 3.35% | 3.69% | -5.57% | 8.54% | 1.71% | 1.96% | 29.29% |
| 2020 | 3.30% | -6.93% | -10.13% | 14.45% | 7.47% | 5.50% | 6.84% | 10.46% | -4.42% | -3.58% | 11.28% | 5.07% | 42.57% |
| 2019 | 8.49% | 5.28% | 3.34% | 5.46% | -7.54% | 7.91% | 2.71% | -1.58% | 0.81% | 3.47% | 5.07% | 3.36% | 42.23% |
| 2018 | 7.35% | -1.36% | -2.91% | 0.29% | 5.50% | 0.31% | 2.62% | 7.00% | 0.39% | -8.48% | -0.25% | -8.45% | 0.55% |
| 2017 | 3.92% | 4.56% | 1.46% | 2.29% | 3.37% | -1.20% | 3.40% | 2.08% | 0.95% | 5.21% | 2.05% | 0.57% | 32.51% |
| 2016 | -6.46% | -0.43% | 7.90% | -2.56% | 3.64% | -1.74% | 6.29% | 1.32% | 1.55% | -1.55% | 1.64% | 1.08% | 10.32% |
| 2015 | -2.41% | 7.43% | -1.65% | 0.55% | 2.09% | -2.70% | 2.61% | -5.90% | -2.43% | 9.37% | 0.73% | -2.55% | 4.17% |
| 2014 | -2.38% | 5.01% | -0.40% | -0.41% | 3.41% | 2.71% | -0.21% | 4.26% | -1.46% | 2.39% | 4.03% | -0.87% | 16.91% |
Expense Ratio
Contra-Loan has an expense ratio of 0.07%, 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 Contra-Loan is 23, meaning it’s performing worse than 77% of other portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
VGT Vanguard Information Technology ETF | 0.47 | 0.71 | 1.10 | 0.40 | 1.29 |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.68 | 0.98 | 1.13 | 0.63 | 2.07 |
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Dividends
Dividend yield
Contra-Loan provided a 0.47% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 0.47% | 0.50% | 0.56% | 0.73% | 0.53% | 0.67% | 0.97% | 1.28% | 1.00% | 1.18% | 1.25% | 1.11% |
| Portfolio components: | ||||||||||||
VGT Vanguard Information Technology ETF | 0.53% | 0.60% | 0.65% | 0.91% | 0.64% | 0.82% | 1.11% | 1.29% | 0.99% | 1.31% | 1.28% | 1.12% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.41% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% | 1.09% |
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 Contra-Loan. 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 Contra-Loan was 34.65%, occurring on Oct 14, 2022. Recovery took 291 trading sessions.
The current Contra-Loan drawdown is 5.68%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.65% | Dec 28, 2021 | 202 | Oct 14, 2022 | 291 | Dec 12, 2023 | 493 |
| -32.12% | Feb 20, 2020 | 23 | Mar 23, 2020 | 55 | Jun 10, 2020 | 78 |
| -25.32% | Dec 17, 2024 | 76 | Apr 8, 2025 | — | — | — |
| -22.56% | Oct 4, 2018 | 56 | Dec 24, 2018 | 68 | Apr 3, 2019 | 124 |
| -18.33% | May 2, 2011 | 108 | Oct 3, 2011 | 83 | Feb 1, 2012 | 191 |
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 2 assets, with an effective number of assets of 2.00, 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 | VGT | SCHG | Portfolio | |
|---|---|---|---|---|
| ^GSPC | 1.00 | 0.89 | 0.95 | 0.93 |
| VGT | 0.89 | 1.00 | 0.95 | 0.99 |
| SCHG | 0.95 | 0.95 | 1.00 | 0.98 |
| Portfolio | 0.93 | 0.99 | 0.98 | 1.00 |