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Roth IRA Option 3

Last updated Sep 21, 2023

$100 per 3 categories $142 per 1 category

Asset Allocation


FBGRX 31%FSHOX 23%FDLSX 23%FSPSX 23%EquityEquity
PositionCategory/SectorWeight
FBGRX
Fidelity Blue Chip Growth Fund
Large Cap Growth Equities31%
FSHOX
Fidelity Select Construction & Housing Portfolio
Consumer Discretionary Equities23%
FDLSX
Fidelity Select Leisure Portfolio
Consumer Discretionary Equities23%
FSPSX
Fidelity International Index Fund
Large Cap Blend Equities, Foreign Large Cap Equities23%

Performance

The chart shows the growth of an initial investment of $10,000 in Roth IRA Option 3, 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


0.00%5.00%10.00%15.00%20.00%AprilMayJuneJulyAugustSeptember
12.63%
10.86%
Roth IRA Option 3
Benchmark (^GSPC)
Portfolio components

Returns

As of Sep 21, 2023, the Roth IRA Option 3 returned 21.35% Year-To-Date and 11.92% of annualized return in the last 10 years.


1 month6 monthsYear-To-Date1 year5 years (annualized)10 years (annualized)
Benchmark0.33%11.48%14.66%16.16%8.51%9.99%
Roth IRA Option 3-0.62%12.31%21.35%25.16%11.72%12.00%
FBGRX
Fidelity Blue Chip Growth Fund
-1.17%18.62%37.13%26.55%13.77%15.57%
FSHOX
Fidelity Select Construction & Housing Portfolio
-2.32%14.69%15.12%24.23%15.56%14.12%
FDLSX
Fidelity Select Leisure Portfolio
-0.41%8.81%17.83%22.20%10.85%11.62%
FSPSX
Fidelity International Index Fund
1.57%4.75%10.20%23.90%3.83%4.22%

Asset Correlations Table

The table below shows the correlation coefficients between the assets in the portfolio.

FSPSXFSHOXFDLSXFBGRX
FSPSX1.000.640.660.69
FSHOX0.641.000.710.70
FDLSX0.660.711.000.76
FBGRX0.690.700.761.00

Sharpe Ratio

The current Roth IRA Option 3 Sharpe ratio is 1.11. A Sharpe ratio greater than 1.0 is considered acceptable.

-1.000.001.002.003.004.001.11

The Sharpe ratio of Roth IRA Option 3 lies between the 25th and 75th percentiles. It indicates that the portfolio's risk-adjusted performance is in line with the majority of portfolios. This suggests a balanced approach to risk and return, which might be suitable for a broad range of investors.


Rolling 12-month Sharpe Ratio-0.500.000.501.001.50AprilMayJuneJulyAugustSeptember
1.11
0.74
Roth IRA Option 3
Benchmark (^GSPC)
Portfolio components

Dividend yield

Roth IRA Option 3 granted a 1.11% dividend yield in the last twelve months.


TTM20222021202020192018201720162015201420132012
Roth IRA Option 31.11%1.74%10.15%4.50%6.21%14.20%9.32%4.30%6.60%12.36%12.48%6.66%
FBGRX
Fidelity Blue Chip Growth Fund
0.70%0.57%8.83%7.05%4.37%7.76%5.55%5.48%7.14%9.04%12.35%3.91%
FSHOX
Fidelity Select Construction & Housing Portfolio
0.69%0.80%5.49%5.06%9.08%19.52%19.46%5.90%5.59%20.64%17.29%3.60%
FDLSX
Fidelity Select Leisure Portfolio
0.80%3.34%23.60%3.04%8.60%28.65%10.73%1.82%10.12%16.55%16.98%16.03%
FSPSX
Fidelity International Index Fund
2.41%2.66%3.15%1.94%3.43%3.10%2.86%3.61%3.37%4.38%3.33%4.08%

Expense Ratio

The Roth IRA Option 3 has a high expense ratio of 0.60%, indicating higher-than-average management fees. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.


0.79%
0.00%2.15%
0.76%
0.00%2.15%
0.74%
0.00%2.15%
0.04%
0.00%2.15%

Risk-Adjusted Performance

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 ratioSortino ratioOmega ratioCalmar ratioUlcer Index
FBGRX
Fidelity Blue Chip Growth Fund
0.93
FSHOX
Fidelity Select Construction & Housing Portfolio
0.89
FDLSX
Fidelity Select Leisure Portfolio
0.94
FSPSX
Fidelity International Index Fund
1.21

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.


-20.00%-15.00%-10.00%-5.00%AprilMayJuneJulyAugustSeptember
-8.13%
-8.22%
Roth IRA Option 3
Benchmark (^GSPC)
Portfolio components

Worst Drawdowns

The table below shows the maximum drawdowns of the Roth IRA Option 3. A maximum drawdown is an indicator of risk. It shows a reduction in portfolio value from its maximum due to a series of losing trades.

The maximum drawdown since January 2010 for the Roth IRA Option 3 is 37.83%, recorded on Mar 18, 2020. It took 96 trading sessions for the portfolio to recover.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-37.83%Feb 20, 202020Mar 18, 202096Aug 4, 2020116
-30.93%Jan 4, 2022197Oct 14, 2022
-19.15%Jan 29, 2018229Dec 24, 201868Apr 3, 2019297
-18.37%Aug 6, 2015131Feb 11, 2016212Dec 13, 2016343
-12.53%Mar 27, 201248Jun 4, 201270Sep 13, 2012118

Volatility Chart

The current Roth IRA Option 3 volatility is 3.71%, 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.


2.00%2.50%3.00%3.50%4.00%4.50%5.00%5.50%AprilMayJuneJulyAugustSeptember
3.71%
3.47%
Roth IRA Option 3
Benchmark (^GSPC)
Portfolio components