IRA Portfolio
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in IRA 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.
The earliest data available for this chart is Nov 15, 2018, corresponding to the inception date of VGCIX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -6.92% | -9.92% | 5.42% | 12.98% | 9.70% |
| IRA Portfolio | -3.88% | -4.17% | -4.02% | 6.26% | 8.65% | N/A |
| Portfolio components: | ||||||
VBILX Vanguard Intermediate-Term Bond Index Fund Admiral Shares | 2.49% | -0.15% | 0.62% | 7.70% | -0.87% | 1.45% |
HEFA iShares Currency Hedged MSCI EAFE ETF | -1.04% | -8.15% | -2.28% | 4.83% | 13.58% | 7.26% |
MGC Vanguard Mega Cap ETF | -10.64% | -7.05% | -9.38% | 7.07% | 14.90% | 12.21% |
IWY iShares Russell Top 200 Growth ETF | -14.96% | -6.99% | -10.52% | 7.01% | 16.86% | 15.49% |
VUSUX Vanguard Long-Term Treasury Fund Admiral Shares | 1.30% | -3.19% | -3.75% | 4.02% | -10.51% | -2.33% |
XMMO Invesco S&P MidCap Momentum ETF | -11.00% | -5.47% | -11.85% | 2.87% | 16.48% | 13.65% |
RWK Invesco S&P MidCap 400 Revenue ETF | -12.33% | -8.38% | -14.36% | -3.44% | 19.07% | 8.43% |
VOT Vanguard Mid-Cap Growth ETF | -7.42% | -5.59% | -6.45% | 6.94% | 11.00% | 8.80% |
VEGBX Vanguard Emerging Markets Bond Fund Admiral Shares | 1.17% | -2.10% | 0.07% | 8.08% | 4.96% | N/A |
XSMO Invesco S&P SmallCap Momentum ETF | -10.46% | -5.25% | -12.00% | 5.98% | 14.54% | 9.44% |
VMFXX Vanguard Federal Money Market Fund | 0.69% | 0.00% | 1.87% | 4.60% | 2.52% | 1.72% |
VGCIX Vanguard Global Credit Bond Fund Investor Shares | 1.15% | -0.64% | 0.17% | 6.88% | 0.81% | N/A |
EQWL Invesco S&P 100 Equal Weight ETF | -5.30% | -7.03% | -6.67% | 8.86% | 15.08% | 11.64% |
FYC First Trust Small Cap Growth AlphaDEX Fund | -14.96% | -7.95% | -13.07% | 8.91% | 13.84% | 8.05% |
IVOV Vanguard S&P Mid-Cap 400 Value ETF | -10.73% | -8.82% | -11.87% | 3.41% | 15.58% | 7.41% |
Monthly Returns
The table below presents the monthly returns of IRA Portfolio, 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 | 2.37% | -0.07% | -2.78% | -3.36% | -3.88% | ||||||||
| 2024 | 0.66% | 2.64% | 2.54% | -2.66% | 3.09% | 1.23% | 2.12% | 1.23% | 1.31% | -1.12% | 3.81% | -2.17% | 13.18% |
| 2023 | 5.10% | -1.56% | 1.84% | 0.67% | -0.28% | 3.69% | 1.97% | -1.10% | -2.79% | -2.00% | 6.17% | 4.37% | 16.73% |
| 2022 | -3.67% | -1.66% | 0.63% | -5.30% | 0.32% | -4.98% | 5.78% | -2.75% | -6.19% | 4.49% | 4.57% | -3.40% | -12.35% |
| 2021 | -0.05% | 1.12% | 1.71% | 2.34% | 0.75% | 1.65% | 1.04% | 1.42% | -2.43% | 3.17% | -0.69% | 1.87% | 12.44% |
| 2020 | 0.56% | -3.74% | -7.77% | 6.92% | 3.80% | 1.81% | 2.85% | 3.42% | -1.67% | -1.38% | 7.32% | 2.26% | 14.20% |
| 2019 | 5.36% | 2.31% | 1.45% | 2.14% | -2.90% | 4.07% | 0.88% | -0.29% | 0.92% | 1.25% | 1.82% | 1.14% | 19.47% |
| 2018 | 0.57% | -4.08% | -3.54% |
Expense Ratio
IRA Portfolio has an expense ratio of 0.18%, 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 IRA Portfolio is 63, indicating average performance compared to other portfolios on our website. Here’s 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 | |
|---|---|---|---|---|---|
VBILX Vanguard Intermediate-Term Bond Index Fund Admiral Shares | 1.43 | 2.18 | 1.26 | 0.52 | 3.64 |
HEFA iShares Currency Hedged MSCI EAFE ETF | 0.28 | 0.49 | 1.07 | 0.32 | 1.46 |
MGC Vanguard Mega Cap ETF | 0.31 | 0.57 | 1.08 | 0.32 | 1.38 |
IWY iShares Russell Top 200 Growth ETF | 0.23 | 0.49 | 1.07 | 0.24 | 0.88 |
VUSUX Vanguard Long-Term Treasury Fund Admiral Shares | 0.35 | 0.58 | 1.07 | 0.10 | 0.70 |
XMMO Invesco S&P MidCap Momentum ETF | 0.05 | 0.24 | 1.03 | 0.05 | 0.17 |
RWK Invesco S&P MidCap 400 Revenue ETF | -0.21 | -0.16 | 0.98 | -0.19 | -0.69 |
VOT Vanguard Mid-Cap Growth ETF | 0.26 | 0.52 | 1.07 | 0.26 | 1.02 |
VEGBX Vanguard Emerging Markets Bond Fund Admiral Shares | 1.66 | 2.46 | 1.33 | 1.65 | 7.45 |
XSMO Invesco S&P SmallCap Momentum ETF | 0.17 | 0.44 | 1.05 | 0.17 | 0.55 |
VMFXX Vanguard Federal Money Market Fund | 3.44 | — | — | — | — |
VGCIX Vanguard Global Credit Bond Fund Investor Shares | 1.72 | 2.55 | 1.31 | 0.63 | 7.08 |
EQWL Invesco S&P 100 Equal Weight ETF | 0.55 | 0.87 | 1.13 | 0.60 | 2.85 |
FYC First Trust Small Cap Growth AlphaDEX Fund | 0.32 | 0.61 | 1.08 | 0.28 | 0.95 |
IVOV Vanguard S&P Mid-Cap 400 Value ETF | 0.13 | 0.33 | 1.05 | 0.12 | 0.46 |
Dividends
Dividend yield
IRA Portfolio provided a 2.92% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.92% | 2.94% | 2.86% | 4.71% | 1.37% | 1.53% | 2.50% | 2.29% | 1.43% | 1.55% | 1.62% | 1.59% |
| Portfolio components: | ||||||||||||
VBILX Vanguard Intermediate-Term Bond Index Fund Admiral Shares | 3.84% | 3.80% | 3.09% | 2.36% | 1.93% | 2.23% | 2.74% | 2.87% | 2.65% | 2.66% | 2.74% | 2.84% |
HEFA iShares Currency Hedged MSCI EAFE ETF | 3.12% | 3.09% | 3.01% | 25.14% | 3.06% | 2.10% | 5.37% | 4.58% | 2.55% | 3.17% | 3.54% | 3.39% |
MGC Vanguard Mega Cap ETF | 1.30% | 1.15% | 1.35% | 1.65% | 1.17% | 1.45% | 1.81% | 2.10% | 1.83% | 2.14% | 2.11% | 1.81% |
IWY iShares Russell Top 200 Growth ETF | 0.49% | 0.42% | 0.68% | 0.88% | 0.50% | 0.71% | 1.06% | 1.32% | 1.26% | 1.51% | 1.58% | 1.44% |
VUSUX Vanguard Long-Term Treasury Fund Admiral Shares | 4.22% | 4.16% | 3.42% | 3.03% | 1.97% | 2.10% | 2.63% | 2.92% | 2.74% | 2.96% | 2.99% | 2.96% |
XMMO Invesco S&P MidCap Momentum ETF | 0.56% | 0.34% | 0.80% | 1.43% | 0.41% | 0.61% | 0.60% | 0.19% | 0.21% | 0.22% | 0.64% | 1.24% |
RWK Invesco S&P MidCap 400 Revenue ETF | 1.33% | 1.11% | 1.05% | 1.18% | 0.85% | 0.96% | 1.09% | 1.22% | 0.74% | 1.30% | 0.92% | 1.03% |
VOT Vanguard Mid-Cap Growth ETF | 0.74% | 0.67% | 0.71% | 0.78% | 0.34% | 0.56% | 0.78% | 0.84% | 0.72% | 0.81% | 0.81% | 0.79% |
VEGBX Vanguard Emerging Markets Bond Fund Admiral Shares | 6.97% | 6.52% | 7.21% | 5.62% | 3.67% | 3.40% | 4.55% | 5.01% | 0.39% | 0.00% | 0.00% | 0.00% |
XSMO Invesco S&P SmallCap Momentum ETF | 0.93% | 0.63% | 0.96% | 1.19% | 0.30% | 0.82% | 0.69% | 0.65% | 0.28% | 0.30% | 0.35% | 1.31% |
VMFXX Vanguard Federal Money Market Fund | 4.49% | 5.11% | 4.97% | 1.54% | 0.01% | 0.45% | 2.12% | 1.61% | 0.50% | 0.00% | 0.00% | 0.00% |
VGCIX Vanguard Global Credit Bond Fund Investor Shares | 4.79% | 4.54% | 4.39% | 2.61% | 3.05% | 4.55% | 6.78% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% |
EQWL Invesco S&P 100 Equal Weight ETF | 2.04% | 1.86% | 1.97% | 2.12% | 1.65% | 2.01% | 2.04% | 2.23% | 1.27% | 2.01% | 2.03% | 1.74% |
FYC First Trust Small Cap Growth AlphaDEX Fund | 0.85% | 0.72% | 0.58% | 0.00% | 0.63% | 0.12% | 0.39% | 0.09% | 0.11% | 0.31% | 0.22% | 0.03% |
IVOV Vanguard S&P Mid-Cap 400 Value ETF | 1.95% | 1.74% | 1.52% | 1.97% | 1.78% | 2.42% | 1.75% | 1.87% | 1.55% | 1.36% | 1.66% | 1.47% |
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 IRA 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 IRA Portfolio was 19.57%, occurring on Mar 23, 2020. Recovery took 53 trading sessions.
The current IRA Portfolio drawdown is 6.82%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -19.57% | Feb 20, 2020 | 23 | Mar 23, 2020 | 53 | Jun 8, 2020 | 76 |
| -17.58% | Nov 8, 2021 | 226 | Sep 30, 2022 | 307 | Dec 14, 2023 | 533 |
| -9.89% | Feb 19, 2025 | 35 | Apr 8, 2025 | — | — | — |
| -7.84% | Dec 4, 2018 | 14 | Dec 24, 2018 | 25 | Jan 31, 2019 | 39 |
| -4.82% | Sep 3, 2020 | 14 | Sep 23, 2020 | 33 | Nov 9, 2020 | 47 |
Volatility
Volatility Chart
The current IRA Portfolio volatility is 6.93%, 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
| VMFXX | VBILX | VGCIX | VUSUX | VEGBX | IWY | HEFA | XSMO | XMMO | IVOV | RWK | MGC | VOT | FYC | EQWL | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VMFXX | 1.00 | 0.17 | 0.04 | 0.08 | 0.02 | -0.01 | -0.06 | -0.03 | -0.03 | -0.04 | -0.04 | -0.02 | -0.02 | -0.03 | -0.03 |
| VBILX | 0.17 | 1.00 | 0.91 | 0.87 | 0.52 | 0.02 | -0.11 | -0.03 | -0.01 | -0.06 | -0.07 | -0.01 | 0.04 | -0.00 | -0.03 |
| VGCIX | 0.04 | 0.91 | 1.00 | 0.83 | 0.63 | 0.11 | 0.01 | 0.07 | 0.09 | 0.04 | 0.04 | 0.09 | 0.14 | 0.10 | 0.07 |
| VUSUX | 0.08 | 0.87 | 0.83 | 1.00 | 0.40 | -0.05 | -0.18 | -0.10 | -0.07 | -0.14 | -0.15 | -0.09 | -0.03 | -0.08 | -0.13 |
| VEGBX | 0.02 | 0.52 | 0.63 | 0.40 | 1.00 | 0.31 | 0.31 | 0.28 | 0.30 | 0.28 | 0.28 | 0.33 | 0.34 | 0.30 | 0.32 |
| IWY | -0.01 | 0.02 | 0.11 | -0.05 | 0.31 | 1.00 | 0.70 | 0.66 | 0.72 | 0.60 | 0.62 | 0.95 | 0.85 | 0.72 | 0.76 |
| HEFA | -0.06 | -0.11 | 0.01 | -0.18 | 0.31 | 0.70 | 1.00 | 0.70 | 0.71 | 0.75 | 0.75 | 0.79 | 0.74 | 0.73 | 0.81 |
| XSMO | -0.03 | -0.03 | 0.07 | -0.10 | 0.28 | 0.66 | 0.70 | 1.00 | 0.90 | 0.86 | 0.86 | 0.75 | 0.81 | 0.92 | 0.78 |
| XMMO | -0.03 | -0.01 | 0.09 | -0.07 | 0.30 | 0.72 | 0.71 | 0.90 | 1.00 | 0.82 | 0.83 | 0.79 | 0.86 | 0.88 | 0.79 |
| IVOV | -0.04 | -0.06 | 0.04 | -0.14 | 0.28 | 0.60 | 0.75 | 0.86 | 0.82 | 1.00 | 0.98 | 0.75 | 0.76 | 0.86 | 0.88 |
| RWK | -0.04 | -0.07 | 0.04 | -0.15 | 0.28 | 0.62 | 0.75 | 0.86 | 0.83 | 0.98 | 1.00 | 0.76 | 0.77 | 0.87 | 0.87 |
| MGC | -0.02 | -0.01 | 0.09 | -0.09 | 0.33 | 0.95 | 0.79 | 0.75 | 0.79 | 0.75 | 0.76 | 1.00 | 0.89 | 0.80 | 0.90 |
| VOT | -0.02 | 0.04 | 0.14 | -0.03 | 0.34 | 0.85 | 0.74 | 0.81 | 0.86 | 0.76 | 0.77 | 0.89 | 1.00 | 0.88 | 0.82 |
| FYC | -0.03 | -0.00 | 0.10 | -0.08 | 0.30 | 0.72 | 0.73 | 0.92 | 0.88 | 0.86 | 0.87 | 0.80 | 0.88 | 1.00 | 0.81 |
| EQWL | -0.03 | -0.03 | 0.07 | -0.13 | 0.32 | 0.76 | 0.81 | 0.78 | 0.79 | 0.88 | 0.87 | 0.90 | 0.82 | 0.81 | 1.00 |