2026 Portfolio .. Dec 2025

Asset Allocation

Position	Category/Sector	Target Weight
SWVXX Schwab Prime Advantage Money Fund Investor Shares	Money Market	16%
FFRHX Fidelity Floating Rate High Income Fund	Bank Loan	13%
SPHY SPDR Portfolio High Yield Bond ETF	High Yield Bonds	12%
SMH VanEck Semiconductor ETF	Semiconductors, Technology Equities	8%
MGK Vanguard Mega Cap Growth ETF	Large Cap Growth Equities	8%
TSM Taiwan Semiconductor Manufacturing Company Limited	Technology	8%
GOOG Alphabet Inc	Communication Services	7%
SPG Simon Property Group, Inc.	Real Estate	7%
JEPI JPMorgan Equity Premium Income ETF	Dividend, Derivative Income	6%
MAGS Roundhill Magnificent Seven ETF	Technology Equities, Large Cap Growth Equities	6%
QQQM Invesco NASDAQ 100 ETF	Nasdaq-100	5%
NVDA NVIDIA Corporation	Technology	4%

Benchmark: S&P 500 Index · Rebalance: Every 3 months

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in 2026 Portfolio .. Dec 2025, 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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Benchmark

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Returns By Period

Position	1D	1M	6M	YTD	1Y	3Y*	5Y*	10Y*	ALL TIME*
Benchmark S&P 500 Index	0.70%	0.09%	7.94%	9.41%	18.15%	17.84%	11.25%	13.26%	8.09%
Portfolio 2026 Portfolio .. Dec 2025	0.94%	-1.73%	9.96%	13.01%	27.53%	24.87%	—	—	27.21%
Portfolio components:
FFRHX Fidelity Floating Rate High Income Fund	0.00%	0.11%	2.01%	2.14%	4.71%	6.51%	5.49%	4.82%	3.90%
GOOG Alphabet Inc	6.88%	-0.35%	5.49%	13.80%	85.45%	39.73%	21.62%	25.03%	22.84%
JEPI JPMorgan Equity Premium Income ETF	0.33%	2.33%	2.16%	4.52%	10.15%	9.21%	7.40%	—	11.29%
MAGS Roundhill Magnificent Seven ETF	3.19%	0.18%	-0.29%	0.00%	14.23%	28.94%	—	—	35.62%
MGK Vanguard Mega Cap Growth ETF	1.11%	-1.80%	6.56%	4.77%	13.84%	21.79%	13.06%	18.26%	13.36%
NVDA NVIDIA Corporation	2.93%	1.60%	5.16%	7.77%	13.01%	62.93%	59.52%	64.62%	36.28%
QQQM Invesco NASDAQ 100 ETF	0.69%	-5.13%	10.92%	12.29%	22.42%	22.37%	14.31%	—	16.51%
SMH VanEck Semiconductor ETF	0.30%	-12.88%	33.97%	50.09%	87.76%	50.56%	33.46%	34.16%	11.06%
SPG Simon Property Group, Inc.	-0.46%	2.86%	22.61%	26.72%	46.70%	28.68%	18.80%	5.56%	13.30%
SPHY SPDR Portfolio High Yield Bond ETF	0.04%	-0.17%	1.20%	1.84%	5.46%	8.43%	4.19%	4.92%	4.94%

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

Monthly Returns

Based on dividend-adjusted daily data since Apr 11, 2023, 2026 Portfolio .. Dec 2025's average daily return is +0.10%, while the average monthly return is +2.06%. At this rate, an investment would double in approximately 2.8 years.

Historically, 75% of months were positive and 25% were negative. The best month was Apr 2026 with a return of +11.0%, while the worst month was Mar 2025 at -5.1%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2026 Portfolio .. Dec 2025 closed higher 57% of trading days. The best single day was Apr 9, 2025 with a return of +7.4%, while the worst single day was Apr 3, 2025 at -4.2%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.78%	0.01%	-3.68%	11.02%	4.22%	1.31%	-2.63%						13.01%
2025	1.53%	-2.63%	-5.12%	-0.01%	6.73%	5.69%	2.98%	1.70%	5.91%	3.51%	0.39%	0.82%	22.93%
2024	2.66%	5.94%	3.61%	-1.53%	5.58%	4.68%	-1.06%	1.33%	1.73%	1.20%	2.41%	1.24%	31.23%
2023				0.61%	5.78%	3.81%	3.20%	-0.80%	-3.34%	-1.38%	7.47%	4.86%	21.50%

Benchmark Metrics

2026 Portfolio .. Dec 2025 has an annualized alpha of 9.03%, beta of 0.85, and R2 of 0.84 versus S&P 500 Index. Calculated based on daily prices since April 11, 2023.

This portfolio captured 105.58% of S&P 500 Index gains but only 55.88% of its losses - a favorable profile for investors.
This portfolio generated an annualized alpha of 9.03% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
With beta of 0.85 and R2 of 0.84, 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: 9.03%

Beta: 0.85

R²: 0.84

Upside Capture: 105.58%

Downside Capture: 55.88%

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

Expense Ratio

2026 Portfolio .. Dec 2025 has an expense ratio of 0.23%, 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.

FFRHX

Fidelity Floating Rate High Income Fund

SMH

VanEck Semiconductor ETF

JEPI

JPMorgan Equity Premium Income ETF

SWVXX

Schwab Prime Advantage Money Fund Investor Shares

MAGS

Roundhill Magnificent Seven ETF

QQQM

Invesco NASDAQ 100 ETF

MGK

Vanguard Mega Cap Growth ETF

SPHY

SPDR Portfolio High Yield Bond ETF

Return for Risk

Risk / Return Rank

2026 Portfolio .. Dec 2025 ranks 83 for risk / return — above 83% of Portfolios peers on PortfoliosLab. Its historical combined result is among the stronger results in the peer group.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

Risk / Return Metrics

The table below presents risk-adjusted performance metrics for 2026 Portfolio .. Dec 2025 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	2.15	1.42	+0.74
Sortino ratioReturn per unit of downside risk	2.97	1.98	+0.99
Omega ratioGain probability vs. loss probability	1.38	1.25	+0.13
Calmar ratioReturn relative to maximum drawdown	3.62	2.00	+1.62
Martin ratioReturn relative to average drawdown	15.19	8.49	+6.70

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
FFRHX Fidelity Floating Rate High Income Fund	95	2.30	5.37	1.81	4.51	14.73
GOOG Alphabet Inc	95	2.71	3.75	1.46	4.14	11.53
JEPI JPMorgan Equity Premium Income ETF	48	1.25	1.85	1.23	1.52	4.32
MAGS Roundhill Magnificent Seven ETF	27	0.64	1.01	1.12	0.77	2.26
MGK Vanguard Mega Cap Growth ETF	29	0.76	1.16	1.14	0.83	2.57
NVDA NVIDIA Corporation	56	0.36	0.76	1.09	0.65	1.32
QQQM Invesco NASDAQ 100 ETF	49	1.17	1.66	1.21	1.88	6.01
SMH VanEck Semiconductor ETF	87	2.29	2.70	1.36	3.58	14.64
SPG Simon Property Group, Inc.	94	2.40	3.30	1.41	4.07	14.65
SPHY SPDR Portfolio High Yield Bond ETF	70	1.49	2.26	1.29	2.27	10.10

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 2026 Portfolio .. Dec 2025 Sharpe ratio is 2.15 as of Aug 1, 2026 (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.18 to 2.00, 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 2026 Portfolio .. Dec 2025 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

2026 Portfolio .. Dec 2025 provided a 3.24% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	3.24%	3.58%	3.68%	3.78%	2.78%	1.85%	2.26%	2.22%	1.99%	1.76%	1.76%	1.75%
Portfolio components:
FFRHX Fidelity Floating Rate High Income Fund	6.39%	7.41%	6.94%	8.24%	3.81%	2.74%	3.84%	5.15%	4.74%	4.05%	4.44%	3.69%
GOOG Alphabet Inc	0.24%	0.26%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
JEPI JPMorgan Equity Premium Income ETF	7.96%	8.25%	7.33%	8.40%	11.68%	6.59%	5.79%	0.00%	0.00%	0.00%	0.00%	0.00%
MAGS Roundhill Magnificent Seven ETF	1.48%	1.48%	0.81%	0.44%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
MGK Vanguard Mega Cap Growth ETF	0.34%	0.35%	0.43%	0.50%	0.70%	0.41%	0.65%	0.85%	1.12%	1.23%	1.53%	1.43%
NVDA NVIDIA Corporation	0.14%	0.02%	0.03%	0.03%	0.11%	0.05%	0.12%	0.27%	0.46%	0.29%	0.45%	1.20%
QQQM Invesco NASDAQ 100 ETF	0.46%	0.50%	0.61%	0.65%	0.83%	0.40%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%
SMH VanEck Semiconductor ETF	0.20%	0.31%	0.44%	0.60%	1.18%	0.51%	0.69%	1.50%	1.88%	1.43%	0.80%	2.14%
SPG Simon Property Group, Inc.	3.84%	4.62%	4.70%	5.22%	5.87%	3.66%	7.04%	5.57%	4.70%	4.16%	3.66%	3.11%
SPHY SPDR Portfolio High Yield Bond ETF	7.25%	7.38%	7.80%	7.30%	6.47%	5.13%	5.63%	5.73%	4.09%	4.41%	4.27%	4.29%

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 2026 Portfolio .. Dec 2025. 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 2026 Portfolio .. Dec 2025 was 16.72%, occurring on Apr 8, 2025. Recovery took 53 trading sessions.

The current 2026 Portfolio .. Dec 2025 drawdown is 2.78%.

Drawdown	Fall	Recovery	Underwater	Related event
-16.72%Apr 2025	2mo 14d	2mo 18d	5mo 2dJan 2025 - Jun 2025	2025 selloff2025
-9.17%Aug 2024	25d	2mo 7d	3mo 2dJul 2024 - Oct 2024	—
-7.64%Mar 2026	1mo 2d	14d	1mo 16dFeb 2026 - Apr 2026	—
-6.47%Oct 2023	2mo 27d	14d	3mo 11dAug 2023 - Nov 2023	—
-5.07%Jul 2026	1mo 7d	—	1mo 10dJun 2026 - now	—

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 12 assets, with an effective number of assets of 10.29, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.

Diversification Ratio

	1Y	3Y	All Time
Diversification Ratio	1.36	1.29	1.30

The portfolio has a diversification ratio of 1.30, in line with the typical range across portfolios.

2026 Portfolio .. Dec 2025 correlation to the S&P 500 Index

2026 Portfolio .. Dec 2025 has a 0.91 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) Focuses on recent behavior, but can change the most.	0.91
Correlation (3Y) Balances recent behavior with more history.	0.90
Correlation (All Time) Calculated using the full available price history since Apr 11, 2023	0.89

Benchmark Correlations

Correlation vs. S&P 500 Index. QQQM has the highest benchmark correlation at 0.93, while SWVXX has the lowest at 0.02.

0.02

0.31

0.41

0.58

0.62

0.64

0.68

0.73

0.77

0.81

Portfolio Correlations

Correlation vs. 2026 Portfolio .. Dec 2025. QQQM has the highest portfolio correlation at 0.93, while SWVXX has the lowest at -0.01.

-0.01

0.27

0.30

0.52

0.59

0.65

0.78

0.82

0.85

0.90

Asset Correlations Table

See how each holding historically moved in relation to the other holdings, the portfolio, and the selected benchmark.

	SWVXX	FFRHX	SPG	JEPI	GOOG	SPHY	TSM	NVDA	SMH	MAGS	MGK	QQQM
SWVXX	1.00	0.20	0.04	0.02	-0.04	-0.02	-0.03	-0.06	-0.03	-0.03	-0.01	0.00
FFRHX	0.20	1.00	0.19	0.27	0.19	0.22	0.18	0.15	0.20	0.22	0.26	0.25
SPG	0.04	0.19	1.00	0.56	0.14	0.45	0.12	0.06	0.17	0.18	0.23	0.25
JEPI	0.02	0.27	0.56	1.00	0.34	0.60	0.33	0.25	0.41	0.40	0.51	0.54
GOOG	-0.04	0.19	0.14	0.34	1.00	0.42	0.38	0.39	0.44	0.69	0.64	0.61
SPHY	-0.02	0.22	0.45	0.60	0.42	1.00	0.36	0.33	0.46	0.50	0.58	0.59
TSM	-0.03	0.18	0.12	0.33	0.38	0.36	1.00	0.64	0.80	0.58	0.64	0.68
NVDA	-0.06	0.15	0.06	0.25	0.39	0.33	0.64	1.00	0.78	0.70	0.75	0.72
SMH	-0.03	0.20	0.17	0.41	0.44	0.46	0.80	0.78	1.00	0.68	0.79	0.87
MAGS	-0.03	0.22	0.18	0.40	0.69	0.50	0.58	0.70	0.68	1.00	0.92	0.87
MGK	-0.01	0.26	0.23	0.51	0.64	0.58	0.64	0.75	0.79	0.92	1.00	0.96
QQQM	0.00	0.25	0.25	0.54	0.61	0.59	0.68	0.72	0.87	0.87	0.96	1.00

Based on daily historical returns since Apr 11, 2023

Diversification Analysis

Find what 2026 Portfolio .. Dec 2025 is missing

See which holdings overlap, where 2026 Portfolio .. Dec 2025 is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification