Roth IRA August 2025

Asset Allocation

Position	Category/Sector	Target Weight
SWPPX Schwab S&P 500 Index Fund	Large Cap Blend Equities, S&P 500	46.30%
SWISX Schwab International Index Fund	Foreign Large Cap Equities	22.80%
SWSSX Schwab Small-Cap Index Fund-Select Shares	Small Cap Blend Equities	17.30%
VOOG Vanguard S&P 500 Growth ETF	S&P 500, Large Cap Growth Equities	5.10%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	3.90%
VXUS Vanguard Total International Stock ETF	Global Equities	2.90%
VT Vanguard Total World Stock ETF	Global Equities	1.70%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Roth IRA August 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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Returns By Period

As of Jun 6, 2026, the Roth IRA August 2025 returned 9.38% Year-To-Date and 13.23% of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.30%	0.09%	8.18%	8.17%	23.42%	19.88%	11.91%	13.45%
Portfolio Roth IRA August 2025	0.08%	-0.61%	9.38%	9.76%	25.23%	19.63%	10.83%	13.23%
Portfolio components:
SWISX Schwab International Index Fund	-2.52%	-1.61%	6.62%	9.04%	18.18%	15.81%	7.96%	8.88%
SWPPX Schwab S&P 500 Index Fund	-2.66%	-0.11%	8.38%	8.46%	24.49%	21.49%	13.37%	15.22%
SWSSX Schwab Small-Cap Index Fund-Select Shares	-3.44%	-0.85%	14.74%	13.09%	34.61%	16.83%	5.87%	10.68%
VOOG Vanguard S&P 500 Growth ETF	0.65%	-0.20%	10.10%	9.55%	29.06%	26.66%	15.20%	17.80%
VT Vanguard Total World Stock ETF	0.52%	-0.45%	9.77%	10.59%	25.47%	19.82%	10.54%	12.61%
VTI Vanguard Total Stock Market ETF	0.30%	0.44%	9.05%	8.94%	24.96%	21.05%	12.25%	14.84%
VXUS Vanguard Total International Stock ETF	0.86%	-1.98%	11.12%	13.49%	27.05%	17.97%	7.95%	9.68%

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

Monthly Returns

Based on dividend-adjusted daily data since Jan 31, 2011, Roth IRA August 2025's average daily return is +0.05%, while the average monthly return is +1.01%. At this rate, an investment would double in approximately 5.7 years.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +13.2%, while the worst month was Mar 2020 at -14.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.

On a daily basis, Roth IRA August 2025 closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +9.1%, while the worst single day was Mar 16, 2020 at -11.9%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.05%	0.88%	-5.89%	9.84%	4.58%	-2.67%							9.38%
2025	3.27%	-0.99%	-4.39%	0.37%	5.85%	4.59%	1.03%	3.56%	3.34%	1.96%	0.41%	0.62%	20.98%
2024	0.15%	4.85%	3.24%	-4.35%	5.07%	1.50%	3.13%	1.90%	1.60%	-2.16%	5.28%	-3.45%	17.42%
2023	7.50%	-2.49%	2.09%	1.24%	-0.83%	6.29%	3.64%	-2.79%	-4.66%	-3.23%	8.95%	6.03%	22.63%
2022	-5.75%	-2.37%	2.28%	-8.56%	0.53%	-8.41%	8.50%	-4.19%	-9.36%	7.74%	7.04%	-4.91%	-18.12%
2021	0.05%	3.17%	3.09%	4.19%	1.29%	1.50%	0.91%	2.56%	-4.08%	5.57%	-2.21%	4.01%	21.50%

Benchmark Metrics

Roth IRA August 2025 has an annualized alpha of -0.09%, beta of 0.99, and R2 of 0.95 versus S&P 500 Index. Calculated based on daily prices since January 31, 2011.

With beta of 0.99 and R2 of 0.95, 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: -0.09%

Beta: 0.99

R²: 0.95

Upside Capture: 99.56%

Downside Capture: 101.06%

Expense Ratio

Roth IRA August 2025 has an expense ratio of 0.04%, 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.

VOOG

Vanguard S&P 500 Growth ETF

SWISX

Schwab International Index Fund

Vanguard Total World Stock ETF

VXUS

Vanguard Total International Stock ETF

SWSSX

Schwab Small-Cap Index Fund-Select Shares

VTI

Vanguard Total Stock Market ETF

SWPPX

Schwab S&P 500 Index Fund

Return for Risk

Risk / Return Rank

Roth IRA August 2025 ranks 51 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.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below presents risk-adjusted performance metrics for Roth IRA August 2025 and compares them with S&P 500 Index.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	1.88	1.94	-0.06
Sortino ratioReturn per unit of downside risk	2.59	2.63	-0.03
Omega ratioGain probability vs. loss probability	1.34	1.35	-0.02
Calmar ratioReturn relative to maximum drawdown	2.68	2.59	+0.09
Martin ratioReturn relative to average drawdown	11.77	11.84	-0.07
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

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
SWISX Schwab International Index Fund	22	1.22	1.76	1.22	1.64	6.15
SWPPX Schwab S&P 500 Index Fund	59	2.12	2.86	1.39	2.92	13.53
SWSSX Schwab Small-Cap Index Fund-Select Shares	53	1.90	2.63	1.31	3.37	11.93
VOOG Vanguard S&P 500 Growth ETF	55	1.79	2.41	1.31	2.13	8.74
VT Vanguard Total World Stock ETF	65	1.96	2.68	1.36	2.64	11.68
VTI Vanguard Total Stock Market ETF	68	2.02	2.73	1.36	2.81	12.85
VXUS Vanguard Total International Stock ETF	56	1.73	2.36	1.32	2.41	9.34

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.

Roth IRA August 2025 Sharpe ratios as of Jun 6, 2026 (values are recalculated daily):

1-Year: 1.88
5-Year: 0.65
10-Year: 0.74
All Time: 0.68

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 1.63 to 2.52, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of Roth IRA August 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

Roth IRA August 2025 provided a 1.60% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.60%	1.74%	1.81%	1.92%	1.86%	3.08%	1.90%	2.93%	4.05%	2.60%	2.89%	3.57%
Portfolio components:
SWISX Schwab International Index Fund	3.33%	3.55%	3.29%	3.31%	2.73%	3.34%	1.88%	3.09%	3.15%	2.71%	3.19%	2.71%
SWPPX Schwab S&P 500 Index Fund	1.02%	1.11%	1.23%	1.43%	1.67%	1.27%	1.81%	1.95%	2.67%	1.79%	2.55%	3.17%
SWSSX Schwab Small-Cap Index Fund-Select Shares	1.12%	1.29%	1.66%	1.49%	1.32%	8.88%	2.55%	6.12%	10.45%	5.22%	4.10%	6.92%
VOOG Vanguard S&P 500 Growth ETF	0.45%	0.49%	0.49%	1.12%	0.93%	0.53%	0.88%	1.26%	1.34%	1.32%	1.47%	1.56%
VT Vanguard Total World Stock ETF	1.63%	1.82%	1.95%	2.08%	2.20%	1.82%	1.66%	2.32%	2.53%	2.11%	2.39%	2.45%
VTI Vanguard Total Stock Market ETF	1.03%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
VXUS Vanguard Total International Stock ETF	2.73%	3.18%	3.37%	3.24%	3.09%	3.10%	2.14%	3.06%	3.18%	2.73%	2.93%	2.83%

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 Roth IRA August 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 Roth IRA August 2025 was 34.61%, occurring on Mar 23, 2020. Recovery took 108 trading sessions.

The current Roth IRA August 2025 drawdown is 0.73%.

Related event	Drawdown	Fall	Recovery	Underwater
COVID crash2020	-34.61%Mar 2020	1mo 9d	5mo 5d	6mo 14dFeb 2020 - Aug 2020
Bear market2022	-26.15%Oct 2022	11mo 7d	1y 3mo	2y 2moNov 2021 - Jan 2024
2011 bear market2011	-21.54%Oct 2011	5mo 4d	5mo 14d	10mo 18dMay 2011 - Mar 2012
Rate-hike selloffLate 2018	-19.66%Dec 2018	3mo 4d	6mo 9d	9mo 13dSep 2018 - Jul 2019
2016 correction2016	-17.56%Feb 2016	7mo 22d	6mo 2d	1y 1moJun 2015 - Aug 2016

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 7 assets, with an effective number of assets of 3.32, reflecting the diversification based on asset allocation. Your portfolio is dominated by one or two holdings, which significantly increases concentration risk. Consider rebalancing toward more even weights or adding additional positions.

Diversification Ratio

	1Y	3Y	5Y	10Y	All Time
Diversification Ratio	1.07	1.08	1.07	1.06	1.05

The portfolio has a diversification ratio of 1.05, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.

Roth IRA August 2025 correlation to the S&P 500 Index

Roth IRA August 2025 has a 0.96 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) Calculated over the trailing 1-year period	0.96
Correlation (3Y) Calculated over the trailing 3-year period	0.95
Correlation (5Y) Calculated over the trailing 5-year period	0.97
Correlation (10Y) Calculated over the trailing 10-year period	0.96
Correlation (All Time) Calculated using the full available price history since Jan 31, 2011	0.97

Benchmark Correlations

Correlation vs. S&P 500 Index. SWPPX has the highest benchmark correlation at 1.00, while SWISX has the lowest at 0.80.

0.80

0.81

0.84

0.95

0.99

1.00

Portfolio Correlations

Correlation vs. Roth IRA August 2025. VT has the highest portfolio correlation at 0.98, while SWISX has the lowest at 0.88.

0.88

0.89

0.90

0.90

0.97

0.98

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	SWSSX	SWISX	VXUS	VOOG	SWPPX	VTI	VT
SWSSX	1.00	0.72	0.74	0.75	0.84	0.88	0.84
SWISX	0.72	1.00	0.96	0.72	0.80	0.80	0.91
VXUS	0.74	0.96	1.00	0.75	0.81	0.82	0.94
VOOG	0.75	0.72	0.75	1.00	0.94	0.94	0.89
SWPPX	0.84	0.80	0.81	0.94	1.00	0.99	0.95
VTI	0.88	0.80	0.82	0.94	0.99	1.00	0.96
VT	0.84	0.91	0.94	0.89	0.95	0.96	1.00

The correlation results are calculated based on daily price changes starting from Jan 31, 2011

Diversification Analysis

Find what Roth IRA August 2025 is missing

See which holdings overlap, where Roth IRA August 2025 is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification