Asset Allocation
Find the right asset allocation for FundAdvice Ultimate Buy & Hold Portfolio
Add portfolio to the optimizer to find optimal allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in FundAdvice Ultimate Buy & Hold Portfolio, 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 13, 2026, the FundAdvice Ultimate Buy & Hold Portfolio returned 9.21% Year-To-Date and 7.62% of annualized return in the last 10 years.
| Position | 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 1.65% | 1.97% | 10.35% | 10.82% | 26.39% | 19.66% | 12.33% | 13.81% |
Portfolio FundAdvice Ultimate Buy & Hold Portfolio | 0.57% | 3.09% | 9.21% | 9.54% | 19.60% | 12.73% | 6.42% | 7.62% |
| Portfolio components: | ||||||||
EEM iShares MSCI Emerging Markets ETF | 3.29% | 7.75% | 28.15% | 31.50% | 52.42% | 22.37% | 7.63% | 10.16% |
EFV iShares MSCI EAFE Value ETF | 0.16% | 2.34% | 10.74% | 11.64% | 29.40% | 21.26% | 12.53% | 10.31% |
TIP iShares TIPS Bond ETF | 0.14% | 0.39% | 1.53% | 1.63% | 4.91% | 3.83% | 1.10% | 2.54% |
VB Vanguard Small-Cap ETF | 0.70% | 5.90% | 16.13% | 15.08% | 31.74% | 16.53% | 7.37% | 11.68% |
VBR Vanguard Small-Cap Value ETF | -0.09% | 6.08% | 14.49% | 12.98% | 29.82% | 16.12% | 8.62% | 10.95% |
VEA Vanguard FTSE Developed Markets ETF | 1.17% | 4.79% | 16.08% | 17.35% | 32.96% | 19.14% | 9.87% | 10.67% |
VGIT Vanguard Intermediate-Term Treasury ETF | 0.10% | 0.77% | -0.19% | 0.04% | 3.54% | 3.65% | 0.18% | 1.20% |
VGSH Vanguard Short-Term Treasury ETF | 0.07% | 0.35% | 0.64% | 0.85% | 3.43% | 4.27% | 1.87% | 1.73% |
VNQ Vanguard Real Estate ETF | -0.70% | 4.16% | 11.72% | 11.19% | 13.22% | 9.58% | 2.68% | 5.44% |
VOO Vanguard S&P 500 ETF | 1.74% | 2.12% | 10.99% | 11.51% | 27.95% | 21.25% | 13.93% | 15.72% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 9, 2010, FundAdvice Ultimate Buy & Hold Portfolio's average daily return is +0.03%, while the average monthly return is +0.60%. At this rate, an investment would double in approximately 9.7 years.
Historically, 66% of months were positive and 34% were negative. The best month was Nov 2020 with a return of +8.5%, while the worst month was Mar 2020 at -9.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, FundAdvice Ultimate Buy & Hold Portfolio closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +4.3%, while the worst single day was Mar 16, 2020 at -6.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.03% | 3.19% | -4.59% | 4.71% | 1.91% | 0.89% | 9.21% | ||||||
| 2025 | 2.45% | 1.20% | -0.64% | 0.49% | 2.39% | 2.52% | 0.12% | 3.06% | 1.45% | 0.64% | 1.10% | 0.89% | 16.77% |
| 2024 | -0.87% | 1.48% | 2.56% | -2.92% | 3.04% | 0.02% | 3.43% | 1.81% | 1.69% | -2.48% | 2.22% | -3.17% | 6.69% |
| 2023 | 5.66% | -2.82% | 1.02% | 0.95% | -2.37% | 3.31% | 2.43% | -2.21% | -2.80% | -2.35% | 6.02% | 4.75% | 11.52% |
| 2022 | -2.40% | -1.31% | -0.08% | -4.46% | 0.79% | -5.55% | 4.23% | -3.32% | -7.26% | 4.12% | 6.40% | -2.26% | -11.41% |
| 2021 | 0.11% | 2.09% | 1.92% | 2.38% | 1.55% | -0.02% | 0.40% | 0.93% | -2.37% | 2.36% | -2.17% | 2.96% | 10.45% |
Benchmark Metrics
FundAdvice Ultimate Buy & Hold Portfolio has an annualized alpha of -0.04%, beta of 0.54, and R2 of 0.83 versus S&P 500 Index. Calculated based on daily prices since September 09, 2010.
- This portfolio participated in 63.77% of S&P 500 Index downside but only 52.64% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.54 indicates this portfolio moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- -0.04%
- Beta
- 0.54
- R²
- 0.83
- Upside Capture
- 52.64%
- Downside Capture
- 63.77%
Expense Ratio
FundAdvice Ultimate Buy & Hold Portfolio has an expense ratio of 0.14%, 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.
Top 10 holdings
Return for Risk
Risk / Return Rank
FundAdvice Ultimate Buy & Hold Portfolio ranks 58 for risk / return — on par with similar Portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for FundAdvice Ultimate Buy & Hold Portfolio 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 | 2.30 | 2.14 | +0.16 |
| Sortino ratioReturn per unit of downside risk | 3.26 | 2.89 | +0.37 |
| Omega ratioGain probability vs. loss probability | 1.44 | 1.39 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 3.10 | 2.91 | +0.19 |
| Martin ratioReturn relative to average drawdown | 12.62 | 13.08 | -0.46 |
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 |
|---|---|---|---|---|---|---|
EEM iShares MSCI Emerging Markets ETF | 82 | 2.42 | 3.09 | 1.45 | 3.90 | 14.36 |
EFV iShares MSCI EAFE Value ETF | 66 | 2.04 | 2.82 | 1.37 | 2.71 | 10.00 |
TIP iShares TIPS Bond ETF | 49 | 1.46 | 2.25 | 1.26 | 2.49 | 7.45 |
VB Vanguard Small-Cap ETF | 69 | 1.92 | 2.71 | 1.33 | 3.55 | 13.04 |
VBR Vanguard Small-Cap Value ETF | 69 | 1.96 | 2.86 | 1.34 | 3.38 | 11.97 |
VEA Vanguard FTSE Developed Markets ETF | 67 | 2.00 | 2.74 | 1.36 | 2.85 | 10.96 |
VGIT Vanguard Intermediate-Term Treasury ETF | 30 | 1.07 | 1.64 | 1.19 | 1.25 | 3.50 |
VGSH Vanguard Short-Term Treasury ETF | 89 | 2.71 | 4.47 | 1.58 | 3.90 | 15.21 |
VNQ Vanguard Real Estate ETF | 31 | 0.98 | 1.42 | 1.18 | 1.59 | 5.01 |
VOO Vanguard S&P 500 ETF | 78 | 2.28 | 3.07 | 1.42 | 3.15 | 14.25 |
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Dividends
Dividend yield
FundAdvice Ultimate Buy & Hold Portfolio provided a 3.32% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.32% | 3.16% | 3.19% | 2.91% | 2.75% | 2.28% | 2.02% | 2.62% | 2.74% | 2.19% | 2.18% | 2.10% |
| Portfolio components: | ||||||||||||
EEM iShares MSCI Emerging Markets ETF | 2.24% | 2.22% | 2.43% | 2.63% | 2.50% | 1.99% | 1.45% | 2.76% | 2.24% | 1.89% | 1.89% | 2.49% |
EFV iShares MSCI EAFE Value ETF | 6.51% | 4.16% | 4.66% | 4.36% | 4.17% | 4.07% | 2.42% | 4.62% | 4.56% | 3.56% | 3.28% | 3.59% |
TIP iShares TIPS Bond ETF | 3.76% | 3.46% | 2.52% | 2.73% | 6.96% | 4.28% | 1.17% | 1.75% | 2.71% | 2.07% | 1.48% | 0.34% |
VB Vanguard Small-Cap ETF | 1.17% | 1.33% | 1.30% | 1.55% | 1.59% | 1.24% | 1.14% | 1.39% | 1.67% | 1.35% | 1.50% | 1.48% |
VBR Vanguard Small-Cap Value ETF | 1.72% | 1.95% | 1.98% | 2.12% | 2.03% | 1.75% | 1.68% | 2.06% | 2.35% | 1.79% | 1.77% | 1.99% |
VEA Vanguard FTSE Developed Markets ETF | 2.59% | 3.22% | 3.35% | 3.15% | 2.91% | 3.16% | 2.04% | 3.04% | 3.35% | 2.77% | 3.05% | 2.92% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.86% | 3.79% | 3.67% | 2.73% | 1.74% | 1.69% | 2.23% | 2.24% | 2.05% | 1.67% | 1.69% | 1.69% |
VGSH Vanguard Short-Term Treasury ETF | 3.87% | 4.00% | 4.18% | 3.31% | 1.15% | 0.66% | 1.74% | 2.28% | 1.79% | 1.10% | 0.84% | 0.69% |
VNQ Vanguard Real Estate ETF | 3.56% | 3.92% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% |
VOO Vanguard S&P 500 ETF | 1.03% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
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 FundAdvice Ultimate Buy & Hold Portfolio. 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 FundAdvice Ultimate Buy & Hold Portfolio was 21.19%, occurring on Mar 23, 2020. Recovery took 141 trading sessions.
The current FundAdvice Ultimate Buy & Hold Portfolio drawdown is 0.02%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -21.19%Mar 2020 | 1mo 9d | 6mo 23d | 8mo 2dFeb 2020 - Oct 2020 |
Bear market2022 | -18.82%Oct 2022 | 11mo 9d | 1y 4mo | 2y 3moNov 2021 - Mar 2024 |
2011 correction2011 | -13.64%Oct 2011 | 5mo 4d | 5mo 12d | 10mo 16dMay 2011 - Mar 2012 |
2016 correction2016 | -12.02%Feb 2016 | 9mo 18d | 6mo 6d | 1y 3moApr 2015 - Aug 2016 |
Rate-hike selloffLate 2018 | -11.44%Dec 2018 | 10mo 29d | 5mo 27d | 1y 4moJan 2018 - Jun 2019 |
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 11 assets, with an effective number of assets of 8.99, 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 | 5Y | 10Y | All Time | |
|---|---|---|---|---|---|
Diversification Ratio | 1.21 | 1.24 | 1.26 | 1.24 | 1.24 |
The portfolio has a diversification ratio of 1.24, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.
FundAdvice Ultimate Buy & Hold Portfolio correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.80 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.84 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.86 |
Correlation (All Time) Calculated using the full available price history since Sep 9, 2010 | 0.88 |
Benchmark Correlations
Correlation vs. S&P 500 Index. VOO has the highest benchmark correlation at 1.00, while VGIT has the lowest at -0.20.
Asset Correlations Table
Find what FundAdvice Ultimate Buy & Hold Portfolio is missing
See which holdings overlap, where FundAdvice Ultimate Buy & Hold Portfolio is concentrated, and which low-correlation assets could fill the gaps.
Analyze Diversification