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Roth IRA Option 2

Last updated Sep 23, 2023

Asset Allocation


FBGRX 40%FSHOX 25%FDLSX 25%FSPSX 10%EquityEquity
PositionCategory/SectorWeight
FBGRX
Fidelity Blue Chip Growth Fund
Large Cap Growth Equities40%
FSHOX
Fidelity Select Construction & Housing Portfolio
Consumer Discretionary Equities25%
FDLSX
Fidelity Select Leisure Portfolio
Consumer Discretionary Equities25%
FSPSX
Fidelity International Index Fund
Large Cap Blend Equities, Foreign Large Cap Equities10%

Performance

The chart shows the growth of an initial investment of $10,000 in Roth IRA Option 2, 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 Quarterly


0.00%5.00%10.00%15.00%20.00%AprilMayJuneJulyAugustSeptember
11.28%
8.61%
Roth IRA Option 2
Benchmark (^GSPC)
Portfolio components

Returns

As of Sep 23, 2023, the Roth IRA Option 2 returned 21.20% Year-To-Date and 13.09% of annualized return in the last 10 years.


1 month6 monthsYear-To-Date1 year5 years (annualized)10 years (annualized)
Benchmark-1.29%8.79%12.52%16.97%8.17%9.84%
Roth IRA Option 2-2.81%11.48%21.20%27.24%12.60%13.12%
FBGRX
Fidelity Blue Chip Growth Fund
-2.64%16.31%34.25%28.96%13.20%15.37%
FSHOX
Fidelity Select Construction & Housing Portfolio
-4.73%11.37%12.15%23.39%15.32%13.73%
FDLSX
Fidelity Select Leisure Portfolio
-2.44%6.78%14.89%25.76%10.46%11.31%
FSPSX
Fidelity International Index Fund
0.27%3.79%8.42%26.48%3.58%4.04%

Asset Correlations Table

The table below shows the correlation coefficients between the assets in the portfolio.

FSPSXFSHOXFDLSXFBGRX
FSPSX1.000.640.660.69
FSHOX0.641.000.710.71
FDLSX0.660.711.000.76
FBGRX0.690.710.761.00

Sharpe Ratio

The current Roth IRA Option 2 Sharpe ratio is 1.13. A Sharpe ratio greater than 1.0 is considered acceptable.

-1.000.001.002.003.004.001.13

The Sharpe ratio of Roth IRA Option 2 lies between the 25th and 75th percentiles. It indicates that the portfolio's risk-adjusted performance is in line with the majority of portfolios. This suggests a balanced approach to risk and return, which might be suitable for a broad range of investors.


Rolling 12-month Sharpe Ratio-0.500.000.501.001.50AprilMayJuneJulyAugustSeptember
1.13
0.81
Roth IRA Option 2
Benchmark (^GSPC)
Portfolio components

Dividend yield

Roth IRA Option 2 granted a 0.91% dividend yield in the last twelve months.


TTM20222021202020192018201720162015201420132012
Roth IRA Option 20.91%1.53%11.12%5.04%6.51%15.46%10.05%4.48%7.12%13.35%13.84%6.88%
FBGRX
Fidelity Blue Chip Growth Fund
0.71%0.57%8.83%7.05%4.37%7.76%5.55%5.48%7.14%9.04%12.35%3.91%
FSHOX
Fidelity Select Construction & Housing Portfolio
0.71%0.80%5.49%5.06%9.08%19.52%19.46%5.90%5.59%20.64%17.29%3.60%
FDLSX
Fidelity Select Leisure Portfolio
0.82%3.34%23.60%3.04%8.60%28.65%10.73%1.82%10.12%16.55%16.98%16.03%
FSPSX
Fidelity International Index Fund
2.45%2.66%3.15%1.94%3.43%3.10%2.86%3.61%3.37%4.38%3.33%4.08%

Expense Ratio

The Roth IRA Option 2 has a high expense ratio of 0.69%, indicating higher-than-average management fees. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.


0.79%
0.00%2.15%
0.76%
0.00%2.15%
0.74%
0.00%2.15%
0.04%
0.00%2.15%

Risk-Adjusted Performance

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 ratioSortino ratioOmega ratioCalmar ratioUlcer Index
FBGRX
Fidelity Blue Chip Growth Fund
0.97
FSHOX
Fidelity Select Construction & Housing Portfolio
0.93
FDLSX
Fidelity Select Leisure Portfolio
1.04
FSPSX
Fidelity International Index Fund
1.31

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.


-20.00%-15.00%-10.00%-5.00%AprilMayJuneJulyAugustSeptember
-11.35%
-9.93%
Roth IRA Option 2
Benchmark (^GSPC)
Portfolio components

Worst Drawdowns

The table below shows the maximum drawdowns of the Roth IRA Option 2. A maximum drawdown is an indicator of risk. It shows a reduction in portfolio value from its maximum due to a series of losing trades.

The maximum drawdown since January 2010 for the Roth IRA Option 2 is 38.29%, recorded on Mar 18, 2020. It took 87 trading sessions for the portfolio to recover.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-38.29%Feb 20, 202020Mar 18, 202087Jul 22, 2020107
-32.13%Nov 19, 2021227Oct 14, 2022
-19.51%Sep 21, 201865Dec 24, 201866Apr 1, 2019131
-18.16%Aug 6, 2015131Feb 11, 2016208Dec 7, 2016339
-12.24%Sep 19, 201111Oct 3, 20119Oct 14, 201120

Volatility Chart

The current Roth IRA Option 2 volatility is 4.01%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%3.00%4.00%5.00%6.00%AprilMayJuneJulyAugustSeptember
4.01%
3.41%
Roth IRA Option 2
Benchmark (^GSPC)
Portfolio components