2025 ***July 18 ROTH

Asset Allocation

Position	Category/Sector	Target Weight
SMH VanEck Semiconductor ETF	Semiconductors, Technology Equities	7.03%
VIG Vanguard Dividend Appreciation ETF	Dividend	7%
VXUS Vanguard Total International Stock ETF	Global Equities	7%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	6%
CCJ Cameco Corporation	Energy	5.84%
BRK-B Berkshire Hathaway Inc.	Financial Services	5.39%
NVDA NVIDIA Corporation	Technology	5.32%
VOOG Vanguard S&P 500 Growth ETF	S&P 500, Large Cap Growth Equities	5%
CSCO Cisco Systems, Inc.	Technology	4.33%
MSFT Microsoft Corporation	Technology	4.26%
WMT Walmart Inc.	Consumer Defensive	4.10%
META Meta Platforms, Inc.	Communication Services	4.04%
BTC-USD Bitcoin		4%
AMZN Amazon.com, Inc	Consumer Cyclical	4%
ORCL Oracle Corporation	Technology	3.94%
WM Waste Management, Inc.	Industrials	3%
QQQ Invesco QQQ ETF	Nasdaq-100	3%
SNPS Synopsys, Inc.	Technology	2.98%
COST Costco Wholesale Corporation	Consumer Defensive	2.88%
AVGO Broadcom Inc.	Technology	2.77%
AXON Axon Enterprise, Inc.	Industrials	2.44%
LRCX Lam Research Corporation	Technology	2.33%
TSLA Tesla, Inc.	Consumer Cyclical	1.28%
GOOGL Alphabet Inc. Class A	Communication Services	1.08%
AXP American Express Company	Financial Services	0.99%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Portfolio Optimizer

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in 2025 *July 18 ROTH **, 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 year.

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Returns By Period

As of Jun 13, 2026, the 2025 *July 18 ROTH returned 12.88% Year-To-Date and 32.74%** of annualized return in the last 10 years.

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.50%	-0.17%	8.56%	8.85%	22.93%	19.37%	11.84%	13.61%
Portfolio 2025 ***July 18 ROTH	0.49%	-0.79%	12.88%	13.77%	28.60%	34.22%	25.16%	32.74%
Portfolio components:
AMZN Amazon.com, Inc	-1.23%	-11.69%	3.35%	5.46%	11.87%	23.49%	7.35%	20.83%
AVGO Broadcom Inc.	-0.91%	-8.33%	10.62%	6.58%	50.41%	67.17%	55.09%	40.96%
AXON Axon Enterprise, Inc.	-1.00%	17.23%	-22.22%	-21.72%	-43.02%	30.96%	22.92%	34.58%
AXP American Express Company	2.18%	5.11%	-11.56%	-14.47%	10.36%	24.40%	16.02%	19.88%
BRK-B Berkshire Hathaway Inc.	0.71%	0.77%	-2.67%	-2.06%	-0.22%	13.30%	11.27%	13.22%
BTC-USD Bitcoin	0.05%	-19.79%	-27.32%	-29.56%	-39.85%	34.86%	10.27%	57.32%
CCJ Cameco Corporation	2.01%	-12.51%	10.35%	10.35%	52.94%	47.60%	36.72%	25.74%
COST Costco Wholesale Corporation	0.68%	-4.91%	14.24%	11.38%	-1.48%	25.12%	22.12%	22.27%
CSCO Cisco Systems, Inc.	-0.60%	18.88%	58.91%	57.34%	90.30%	37.33%	20.60%	18.92%
GOOGL Alphabet Inc. Class A	0.53%	-10.61%	15.06%	16.44%	105.30%	43.10%	24.46%	25.76%

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

Monthly Returns

Based on dividend-adjusted daily data since Sep 27, 2012, 2025 *July 18 ROTH 's average daily return is +0.10%, while the average monthly return is +3.24%. At this rate, an investment would double in approximately 1.8 years**.

Historically, 70% of months were positive and 30% were negative. The best month was Nov 2013 with a return of +154.1%, while the worst month was Dec 2013 at -27.4%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 *July 18 ROTH closed higher 56% of trading days. The best single day was Nov 18, 2013 with a return of +26.0%, while the worst single day was Dec 6, 2013 at -16.7%**.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.92%	-1.39%	-5.05%	12.50%	5.94%	-2.65%							12.88%
2025	3.45%	-2.89%	-6.22%	2.03%	10.14%	8.66%	3.21%	0.18%	5.02%	3.59%	-3.37%	0.72%	25.95%
2024	4.49%	8.95%	4.70%	-4.51%	7.86%	4.65%	-1.33%	1.58%	4.17%	1.12%	8.90%	-1.93%	44.87%
2023	12.54%	0.67%	8.07%	0.86%	7.61%	7.41%	4.27%	0.00%	-4.33%	-0.02%	9.86%	4.68%	63.69%
2022	-8.24%	-0.84%	5.99%	-11.19%	-2.24%	-10.52%	11.95%	-3.51%	-9.59%	4.37%	8.93%	-6.31%	-22.06%
2021	0.32%	4.91%	5.81%	4.39%	0.34%	3.13%	2.35%	4.78%	-3.89%	9.97%	1.75%	0.80%	39.84%

Benchmark Metrics

2025 ***July 18 ROTH has an annualized alpha of 22.53%, beta of 1.04, and R2 of 0.49 versus S&P 500 Index. Calculated based on daily prices since September 27, 2012.

This portfolio captured 185.79% of S&P 500 Index gains but only 83.04% of its losses - a favorable profile for investors.
R2 of 0.49 means the benchmark explains less than half of this portfolio's behavior - treat beta with caution or consider switching to a more representative benchmark.

Alpha: 22.53%

Beta: 1.04

R²: 0.49

Upside Capture: 185.79%

Downside Capture: 83.04%

See how alpha, beta & R² have trended over time →

Expense Ratio

2025 *July 18 ROTH 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.

SMH

VanEck Semiconductor ETF

QQQ

Invesco QQQ ETF

VOOG

Vanguard S&P 500 Growth ETF

SCHD

Schwab U.S. Dividend Equity ETF

VXUS

Vanguard Total International Stock ETF

VIG

Vanguard Dividend Appreciation ETF

Return for Risk

Risk / Return Rank

2025 *July 18 ROTH ranks 31 for risk / return — below 31% of Portfolios** on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.

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 2025 *July 18 ROTH 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	1.69	1.86	-0.17
Sortino ratioReturn per unit of downside risk	2.25	2.53	-0.28
Omega ratioGain probability vs. loss probability	1.29	1.34	-0.05
Calmar ratioReturn relative to maximum drawdown	2.47	2.53	-0.06
Martin ratioReturn relative to average drawdown	7.79	11.37	-3.58

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
AMZN Amazon.com, Inc	54	0.40	0.76	1.09	0.55	1.29
AVGO Broadcom Inc.	74	1.11	1.69	1.22	1.77	4.11
AXON Axon Enterprise, Inc.	13	-0.78	-1.04	0.87	-0.72	-1.22
AXP American Express Company	52	0.39	0.69	1.09	0.44	0.93
BRK-B Berkshire Hathaway Inc.	39	-0.02	0.08	1.01	-0.02	-0.05
BTC-USD Bitcoin	37	-0.93	-1.31	0.87	-0.78	-1.36
CCJ Cameco Corporation	72	0.96	1.68	1.20	1.83	4.43
COST Costco Wholesale Corporation	37	-0.08	0.02	1.00	-0.10	-0.22
CSCO Cisco Systems, Inc.	95	2.94	3.47	1.53	6.69	18.37
GOOGL Alphabet Inc. Class A	96	3.62	4.92	1.59	5.20	18.48

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.

The current 2025 *July 18 ROTH Sharpe ratio is 1.69 as of Jun 13, 2026** (the value is recalculated daily), calculated over the past 12 months.

Compared to the broad market, where average Sharpe ratios range from 1.53 to 2.41, 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 2025 *July 18 ROTH ** 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

2025 *July 18 ROTH provided a 0.84%** dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	0.84%	0.95%	1.02%	1.19%	1.25%	0.98%	1.17%	1.30%	1.45%	1.58%	1.55%	1.76%
Portfolio components:
AMZN Amazon.com, Inc	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVGO Broadcom Inc.	0.65%	0.70%	0.94%	1.71%	3.02%	2.24%	3.05%	3.54%	3.11%	1.87%	1.43%	1.13%
AXON Axon Enterprise, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AXP American Express Company	1.05%	0.85%	0.91%	1.24%	1.35%	1.05%	1.42%	1.29%	1.51%	1.32%	1.61%	1.58%
BRK-B Berkshire Hathaway Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BTC-USD Bitcoin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CCJ Cameco Corporation	0.17%	0.19%	0.22%	0.20%	0.39%	0.29%	0.46%	0.67%	0.53%	4.33%	3.82%	3.24%
COST Costco Wholesale Corporation	0.55%	0.59%	0.49%	2.87%	0.76%	0.54%	3.38%	0.86%	1.08%	4.81%	1.09%	4.06%
CSCO Cisco Systems, Inc.	1.36%	2.12%	2.69%	3.07%	3.17%	2.32%	3.20%	2.88%	2.95%	2.95%	3.28%	3.02%
GOOGL Alphabet Inc. Class A	0.24%	0.27%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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 2025 *July 18 ROTH **. 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 2025 *July 18 ROTH was 41.00%, occurring on Dec 18, 2013**. Recovery took 902 trading sessions.

The current 2025 *July 18 ROTH drawdown is 4.51%**.

Related event	Drawdown	Fall	Recovery	Underwater
2013 bear market2013	-41.00%Dec 2013	13d	2y 5mo	2y 6moDec 2013 - Jun 2016
Bear market2022	-31.40%Oct 2022	11mo 10d	7mo 13d	1y 6moNov 2021 - May 2023
COVID crash2020	-29.90%Mar 2020	25d	2mo 21d	3mo 16dFeb 2020 - Jun 2020
2013 bear market2013	-27.38%Apr 2013	6d	6mo 4d	6mo 10dApr 2013 - Oct 2013
Rate-hike selloffLate 2018	-21.26%Dec 2018	2mo 24d	3mo 9d	6mo 3dOct 2018 - Apr 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 25 assets, with an effective number of assets of 21.03, 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	1.87	1.61	1.51	1.50	1.55

The portfolio has a diversification ratio of 1.55, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

2025 ***July 18 ROTH correlation to the S&P 500 Index

2025 ***July 18 ROTH has a 0.90 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	0.90
Correlation (3Y) Calculated over the trailing 3-year period	0.90
Correlation (5Y) Calculated over the trailing 5-year period	0.92
Correlation (10Y) Calculated over the trailing 10-year period	0.89
Correlation (All Time) Calculated using the full available price history since Sep 27, 2012	0.84

Benchmark Correlations

Correlation vs. S&P 500 Index. VOOG has the highest benchmark correlation at 0.95, while BTC-USD has the lowest at 0.16.

0.16

0.38

0.44

0.45

0.46

0.51

Portfolio Correlations

Correlation vs. 2025 ***July 18 ROTH . QQQ has the highest portfolio correlation at 0.79, while WMT has the lowest at 0.29.

0.29

0.40

0.41

0.43

0.43

0.44

0.44

0.48

Asset Correlations Table

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

	BTC-USD	WMT	WM	CCJ	AXON	TSLA	COST	BRK-B	META	ORCL	AXP	CSCO	AMZN	NVDA	AVGO	GOOGL	LRCX	SNPS	MSFT	SCHD	VXUS	SMH	VIG	QQQ	VOOG
BTC-USD	1.00	0.04	0.01	0.08	0.06	0.10	0.07	0.05	0.09	0.07	0.10	0.07	0.10	0.11	0.10	0.10	0.10	0.12	0.09	0.08	0.12	0.12	0.10	0.13	0.13
WMT	0.04	1.00	0.33	0.13	0.12	0.13	0.54	0.33	0.16	0.23	0.22	0.26	0.22	0.15	0.17	0.22	0.18	0.20	0.25	0.39	0.26	0.20	0.43	0.28	0.30
WM	0.01	0.33	1.00	0.14	0.16	0.09	0.38	0.42	0.17	0.27	0.32	0.33	0.18	0.15	0.19	0.22	0.18	0.27	0.29	0.48	0.32	0.22	0.52	0.30	0.36
CCJ	0.08	0.13	0.14	1.00	0.21	0.22	0.16	0.25	0.23	0.28	0.28	0.25	0.25	0.28	0.27	0.26	0.27	0.28	0.27	0.32	0.44	0.33	0.36	0.35	0.38
AXON	0.06	0.12	0.16	0.21	1.00	0.26	0.21	0.21	0.28	0.29	0.30	0.25	0.32	0.35	0.34	0.28	0.31	0.37	0.33	0.28	0.34	0.37	0.35	0.40	0.42
TSLA	0.10	0.13	0.09	0.22	0.26	1.00	0.22	0.19	0.31	0.25	0.26	0.23	0.35	0.36	0.34	0.33	0.34	0.34	0.32	0.26	0.34	0.40	0.32	0.48	0.44
COST	0.07	0.54	0.38	0.16	0.21	0.22	1.00	0.35	0.27	0.28	0.29	0.34	0.34	0.28	0.29	0.33	0.30	0.33	0.37	0.43	0.32	0.33	0.52	0.44	0.46
BRK-B	0.05	0.33	0.42	0.25	0.21	0.19	0.35	1.00	0.26	0.37	0.57	0.42	0.30	0.25	0.30	0.34	0.32	0.32	0.35	0.66	0.51	0.35	0.64	0.43	0.48
META	0.09	0.16	0.17	0.23	0.28	0.31	0.27	0.26	1.00	0.35	0.32	0.31	0.53	0.44	0.40	0.55	0.40	0.44	0.47	0.30	0.41	0.45	0.38	0.61	0.57
ORCL	0.07	0.23	0.27	0.28	0.29	0.25	0.28	0.37	0.35	1.00	0.38	0.44	0.37	0.39	0.40	0.40	0.37	0.47	0.49	0.44	0.46	0.46	0.52	0.54	0.56
AXP	0.10	0.22	0.32	0.28	0.30	0.26	0.29	0.57	0.32	0.38	1.00	0.42	0.34	0.34	0.35	0.38	0.40	0.39	0.37	0.59	0.53	0.45	0.60	0.49	0.53
CSCO	0.07	0.26	0.33	0.25	0.25	0.23	0.34	0.42	0.31	0.44	0.42	1.00	0.37	0.39	0.43	0.39	0.41	0.44	0.44	0.56	0.48	0.49	0.58	0.56	0.55
AMZN	0.10	0.22	0.18	0.25	0.32	0.35	0.34	0.30	0.53	0.37	0.34	0.37	1.00	0.47	0.42	0.60	0.42	0.49	0.53	0.36	0.45	0.50	0.46	0.69	0.65
NVDA	0.11	0.15	0.15	0.28	0.35	0.36	0.28	0.25	0.44	0.39	0.34	0.39	0.47	1.00	0.54	0.44	0.55	0.53	0.50	0.34	0.43	0.73	0.43	0.65	0.62
AVGO	0.10	0.17	0.19	0.27	0.34	0.34	0.29	0.30	0.40	0.40	0.35	0.43	0.42	0.54	1.00	0.41	0.58	0.51	0.47	0.42	0.48	0.73	0.51	0.65	0.63
GOOGL	0.10	0.22	0.22	0.26	0.28	0.33	0.33	0.34	0.55	0.40	0.38	0.39	0.60	0.44	0.41	1.00	0.44	0.48	0.56	0.40	0.49	0.51	0.50	0.68	0.68
LRCX	0.10	0.18	0.18	0.27	0.31	0.34	0.30	0.32	0.40	0.37	0.40	0.41	0.42	0.55	0.58	0.44	1.00	0.54	0.45	0.46	0.52	0.78	0.54	0.63	0.61
SNPS	0.12	0.20	0.27	0.28	0.37	0.34	0.33	0.32	0.44	0.47	0.39	0.44	0.49	0.53	0.51	0.48	0.54	1.00	0.56	0.43	0.49	0.63	0.56	0.67	0.67
MSFT	0.09	0.25	0.29	0.27	0.33	0.32	0.37	0.35	0.47	0.49	0.37	0.44	0.53	0.50	0.47	0.56	0.45	0.56	1.00	0.44	0.47	0.55	0.55	0.72	0.70
SCHD	0.08	0.39	0.48	0.32	0.28	0.26	0.43	0.66	0.30	0.44	0.59	0.56	0.36	0.34	0.42	0.40	0.46	0.43	0.44	1.00	0.66	0.53	0.85	0.56	0.62
VXUS	0.12	0.26	0.32	0.44	0.34	0.34	0.32	0.51	0.41	0.46	0.53	0.48	0.45	0.43	0.48	0.49	0.52	0.49	0.47	0.66	1.00	0.60	0.70	0.65	0.68
SMH	0.12	0.20	0.22	0.33	0.37	0.40	0.33	0.35	0.45	0.46	0.45	0.49	0.50	0.73	0.73	0.51	0.78	0.63	0.55	0.53	0.60	1.00	0.60	0.78	0.74
VIG	0.10	0.43	0.52	0.36	0.35	0.32	0.52	0.64	0.38	0.52	0.60	0.58	0.46	0.43	0.51	0.50	0.54	0.56	0.55	0.85	0.70	0.60	1.00	0.70	0.77
QQQ	0.13	0.28	0.30	0.35	0.40	0.48	0.44	0.43	0.61	0.54	0.49	0.56	0.69	0.65	0.65	0.68	0.63	0.67	0.72	0.56	0.65	0.78	0.70	1.00	0.93
VOOG	0.13	0.30	0.36	0.38	0.42	0.44	0.46	0.48	0.57	0.56	0.53	0.55	0.65	0.62	0.63	0.68	0.61	0.67	0.70	0.62	0.68	0.74	0.77	0.93	1.00

The correlation results are calculated based on daily price changes starting from Sep 27, 2012

Diversification Analysis

Find what 2025 *July 18 ROTH ** is missing

See which holdings overlap, where 2025 ***July 18 ROTH is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification