Roth IRA
Asset Allocation
| Position | Category/Sector | Weight |
|---|---|---|
FBALX Fidelity Balanced Fund | Diversified Portfolio | 50% |
FXAIX Fidelity 500 Index Fund | Large Cap Blend Equities | 50% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Roth IRA, 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
The earliest data available for this chart is May 10, 2011, corresponding to the inception date of FXAIX
Returns By Period
As of Nov 13, 2024, the Roth IRA returned 22.30% Year-To-Date and 11.59% of annualized return in the last 10 years.
| Year-To-Date | 1 month | 6 months | 1 year | 5 years (annualized) | 10 years (annualized) | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 25.45% | 2.91% | 14.05% | 35.64% | 14.13% | 11.39% |
| Roth IRA | 22.30% | 2.41% | 12.45% | 31.93% | 13.87% | 11.59% |
| Portfolio components: | ||||||
FXAIX Fidelity 500 Index Fund | 26.92% | 2.98% | 14.81% | 37.57% | 15.96% | 13.30% |
FBALX Fidelity Balanced Fund | 17.80% | 1.84% | 10.11% | 26.46% | 11.76% | 9.85% |
Monthly Returns
The table below presents the monthly returns of Roth IRA, 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 1.49% | 4.30% | 2.82% | -3.64% | 4.33% | 3.01% | 1.10% | 2.21% | 1.92% | -1.08% | 22.30% | ||
| 2023 | 6.28% | -2.29% | 3.54% | 1.51% | 0.40% | 5.32% | 2.63% | -1.30% | -4.30% | -2.49% | 8.33% | 4.33% | 23.29% |
| 2022 | -4.91% | -2.39% | 2.60% | -8.20% | -0.04% | -7.33% | 8.08% | -3.89% | -8.48% | 6.28% | 5.24% | -5.01% | -18.20% |
| 2021 | -0.83% | 2.61% | 3.51% | 4.54% | 0.68% | 2.09% | 1.73% | 2.44% | -3.88% | 6.00% | -1.04% | 3.76% | 23.41% |
| 2020 | 0.43% | -6.53% | -11.29% | 11.60% | 4.57% | 2.33% | 5.24% | 6.10% | -2.96% | -2.07% | 9.82% | 3.96% | 20.47% |
| 2019 | 7.30% | 2.77% | 1.71% | 3.61% | -5.37% | 6.01% | 1.20% | -1.15% | 1.35% | 2.07% | 3.17% | 2.72% | 27.83% |
| 2018 | 4.95% | -3.27% | -1.81% | 0.26% | 2.24% | 0.72% | 2.95% | 2.58% | 0.21% | -6.28% | 1.47% | -7.75% | -4.46% |
| 2017 | 1.94% | 3.52% | 0.23% | 1.04% | 1.47% | 0.40% | 1.88% | 0.44% | 1.65% | 1.85% | 2.32% | 0.88% | 19.05% |
| 2016 | -4.60% | -0.26% | 5.86% | 0.78% | 1.41% | 0.15% | 3.37% | 0.31% | 0.10% | -1.76% | 2.45% | 1.39% | 9.21% |
| 2015 | -2.07% | 4.82% | -1.03% | 0.63% | 1.20% | -1.60% | 1.55% | -5.23% | -2.54% | 7.38% | 0.40% | -1.81% | 1.09% |
| 2014 | -2.48% | 4.18% | 0.31% | 0.34% | 2.19% | 2.08% | -1.41% | 3.65% | -1.23% | 2.60% | 2.12% | 0.22% | 13.04% |
| 2013 | 4.05% | 1.03% | 2.98% | 1.57% | 1.82% | -1.45% | 4.52% | -2.37% | 3.05% | 4.25% | 2.54% | 2.42% | 27.02% |
Expense Ratio
Roth IRA has an expense ratio of 0.26%, which is considered low compared to other funds. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of Roth IRA is 81, placing it in the top 19% of portfolios on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
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 | |
|---|---|---|---|---|---|
FXAIX Fidelity 500 Index Fund | 3.05 | 4.06 | 1.57 | 4.44 | 20.09 |
FBALX Fidelity Balanced Fund | 3.08 | 4.36 | 1.59 | 3.01 | 20.38 |
Dividends
Dividend yield
Roth IRA provided a 2.88% dividend yield over the last twelve months.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.88% | 1.58% | 1.58% | 1.05% | 1.44% | 1.83% | 1.96% | 1.69% | 1.81% | 5.26% | 6.59% | 4.57% |
| Portfolio components: | ||||||||||||
FXAIX Fidelity 500 Index Fund | 1.21% | 1.45% | 1.69% | 1.22% | 1.60% | 1.95% | 2.07% | 1.81% | 2.01% | 2.56% | 2.63% | 1.84% |
FBALX Fidelity Balanced Fund | 4.54% | 1.70% | 1.47% | 0.88% | 1.29% | 1.70% | 1.85% | 1.58% | 1.61% | 7.96% | 10.55% | 7.31% |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the Roth IRA. 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 Roth IRA was 30.24%, occurring on Mar 23, 2020. Recovery took 92 trading sessions.
The current Roth IRA drawdown is 0.29%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.24% | Feb 20, 2020 | 23 | Mar 23, 2020 | 92 | Aug 3, 2020 | 115 |
| -23.58% | Jan 4, 2022 | 197 | Oct 14, 2022 | 296 | Dec 19, 2023 | 493 |
| -17.06% | Sep 21, 2018 | 65 | Dec 24, 2018 | 75 | Apr 12, 2019 | 140 |
| -15.03% | Jul 8, 2011 | 61 | Oct 3, 2011 | 85 | Feb 3, 2012 | 146 |
| -12.28% | May 22, 2015 | 183 | Feb 11, 2016 | 77 | Jun 2, 2016 | 260 |
Volatility
Volatility Chart
The current Roth IRA volatility is 3.19%, 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.
Diversification
Asset Correlations Table
| FBALX | FXAIX | |
|---|---|---|
| FBALX | 1.00 | 0.97 |
| FXAIX | 0.97 | 1.00 |