Vgrd IRA
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 16.67% |
BNDX Vanguard Total International Bond ETF | Total Bond Market | 16.67% |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | Total Bond Market | 16.67% |
VTABX Vanguard Total International Bond Index Fund Admiral Shares | Total Bond Market | 16.67% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | Large Cap Blend Equities | 16.67% |
VXUS Vanguard Total International Stock ETF | Foreign Large Cap Equities | 16.67% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Vgrd 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 every 3 months.
The earliest data available for this chart is Jun 4, 2013, corresponding to the inception date of BNDX
Returns By Period
As of Apr 8, 2025, the Vgrd IRA returned -2.10% Year-To-Date and 3.67% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -13.93% | -12.27% | -11.13% | -2.73% | 13.04% | 9.21% |
| Vgrd IRA | -5.54% | -6.26% | -5.76% | 0.87% | 4.89% | 4.23% |
| Portfolio components: | ||||||
VXUS Vanguard Total International Stock ETF | -4.87% | -12.25% | -10.73% | -4.30% | 8.24% | 3.71% |
BND Vanguard Total Bond Market ETF | 2.39% | 0.23% | 0.38% | 5.68% | -0.89% | 1.38% |
BNDX Vanguard Total International Bond ETF | 0.24% | 0.99% | 0.82% | 4.28% | 0.10% | 1.71% |
VTABX Vanguard Total International Bond Index Fund Admiral Shares | 0.57% | 1.46% | 1.34% | 4.83% | -0.01% | 1.66% |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 3.28% | 1.14% | 1.38% | 6.64% | -0.53% | 1.45% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | -14.21% | -12.31% | -11.74% | -2.48% | 13.93% | 10.43% |
Monthly Returns
The table below presents the monthly returns of Vgrd 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.91% | 0.21% | -2.49% | -5.14% | -5.54% | ||||||||
| 2024 | -0.07% | 1.90% | 2.14% | -2.87% | 2.82% | 1.35% | 2.15% | 1.64% | 1.81% | -1.75% | 3.07% | -2.17% | 10.24% |
| 2023 | 5.07% | -2.48% | 2.62% | 0.85% | -0.72% | 2.86% | 1.82% | -1.52% | -3.21% | -1.83% | 6.42% | 4.33% | 14.53% |
| 2022 | -3.32% | -1.93% | -0.33% | -5.71% | 0.13% | -4.81% | 4.95% | -3.58% | -6.33% | 2.81% | 5.27% | -3.16% | -15.65% |
| 2021 | -0.43% | 0.36% | 0.95% | 2.17% | 0.72% | 1.03% | 1.04% | 0.97% | -2.52% | 2.43% | -0.85% | 1.39% | 7.40% |
| 2020 | 0.58% | -2.42% | -6.87% | 5.23% | 2.25% | 1.53% | 2.76% | 1.96% | -0.98% | -0.95% | 5.44% | 2.22% | 10.57% |
| 2019 | 3.77% | 1.13% | 1.58% | 1.45% | -1.57% | 3.40% | 0.50% | 0.61% | 0.51% | 0.95% | 0.95% | 1.27% | 15.45% |
| 2018 | 1.74% | -2.05% | -0.01% | -0.11% | 0.52% | -0.05% | 1.25% | 0.62% | -0.15% | -3.46% | 1.09% | -2.17% | -2.88% |
| 2017 | 0.80% | 1.50% | 0.45% | 0.97% | 1.10% | 0.16% | 1.15% | 0.67% | 0.57% | 1.06% | 0.85% | 0.78% | 10.52% |
| 2016 | -1.06% | 0.28% | 3.06% | 0.50% | 0.44% | 1.17% | 1.93% | 0.07% | 0.28% | -1.42% | -0.66% | 0.92% | 5.58% |
| 2015 | 0.84% | 1.54% | -0.11% | 0.46% | -0.23% | -1.58% | 0.90% | -2.70% | -0.69% | 2.63% | -0.13% | -0.92% | -0.09% |
| 2014 | -0.58% | 2.11% | 0.23% | 0.68% | 1.34% | 1.03% | -0.60% | 1.77% | -1.51% | 0.96% | 0.94% | -0.36% | 6.10% |
Expense Ratio
Vgrd IRA has an expense ratio of 0.06%, 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
With an overall rank of 77, Vgrd IRA is among the top 23% of portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
VXUS Vanguard Total International Stock ETF | -0.23 | -0.20 | 0.97 | -0.27 | -0.84 |
BND Vanguard Total Bond Market ETF | 0.95 | 1.37 | 1.17 | 0.38 | 2.48 |
BNDX Vanguard Total International Bond ETF | 1.03 | 1.48 | 1.18 | 0.44 | 4.55 |
VTABX Vanguard Total International Bond Index Fund Admiral Shares | 1.25 | 1.84 | 1.21 | 0.45 | 5.26 |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 1.14 | 1.71 | 1.20 | 0.44 | 2.91 |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | -0.09 | -0.01 | 1.00 | -0.08 | -0.38 |
Dividends
Dividend yield
Vgrd IRA provided a 3.43% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.43% | 3.39% | 3.28% | 2.14% | 2.49% | 1.67% | 2.84% | 2.80% | 2.33% | 2.27% | 2.19% | 2.26% |
| Portfolio components: | ||||||||||||
VXUS Vanguard Total International Stock ETF | 3.49% | 3.37% | 3.25% | 3.09% | 3.10% | 2.14% | 3.06% | 3.17% | 2.73% | 2.93% | 2.83% | 3.40% |
BND Vanguard Total Bond Market ETF | 3.71% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
BNDX Vanguard Total International Bond ETF | 4.28% | 4.18% | 4.42% | 1.52% | 3.74% | 1.11% | 3.40% | 3.01% | 2.23% | 1.89% | 1.63% | 1.54% |
VTABX Vanguard Total International Bond Index Fund Admiral Shares | 4.24% | 4.15% | 4.39% | 1.48% | 3.04% | 0.93% | 3.38% | 2.99% | 2.24% | 1.90% | 1.64% | 1.54% |
VBTLX Vanguard Total Bond Market Index Fund Admiral Shares | 3.35% | 3.69% | 3.11% | 2.51% | 1.90% | 2.23% | 2.74% | 2.78% | 2.51% | 2.49% | 2.48% | 2.55% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | 1.50% | 1.26% | 1.43% | 1.65% | 1.20% | 1.41% | 1.76% | 2.03% | 1.71% | 1.92% | 1.98% | 1.76% |
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 Vgrd 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 Vgrd IRA was 20.89%, occurring on Oct 14, 2022. Recovery took 397 trading sessions.
The current Vgrd IRA drawdown is 4.42%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -20.89% | Nov 10, 2021 | 234 | Oct 14, 2022 | 397 | May 15, 2024 | 631 |
| -15.65% | Feb 20, 2020 | 23 | Mar 23, 2020 | 83 | Jul 21, 2020 | 106 |
| -8.39% | Feb 19, 2025 | 34 | Apr 7, 2025 | — | — | — |
| -7.36% | Jan 29, 2018 | 229 | Dec 24, 2018 | 55 | Mar 15, 2019 | 284 |
| -6.75% | Apr 27, 2015 | 186 | Jan 20, 2016 | 94 | Jun 3, 2016 | 280 |
Volatility
Volatility Chart
The current Vgrd IRA volatility is 4.37%, 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
| VXUS | VTSAX | BNDX | VTABX | BND | VBTLX | |
|---|---|---|---|---|---|---|
| VXUS | 1.00 | 0.80 | 0.01 | -0.02 | 0.01 | -0.06 |
| VTSAX | 0.80 | 1.00 | -0.00 | -0.04 | -0.03 | -0.10 |
| BNDX | 0.01 | -0.00 | 1.00 | 0.84 | 0.73 | 0.70 |
| VTABX | -0.02 | -0.04 | 0.84 | 1.00 | 0.74 | 0.73 |
| BND | 0.01 | -0.03 | 0.73 | 0.74 | 1.00 | 0.93 |
| VBTLX | -0.06 | -0.10 | 0.70 | 0.73 | 0.93 | 1.00 |