Early Retirement V5

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Early Retirement V5

Currency in USD · Last updated May 21, 2025

Asset Allocation

Position	Category/Sector	Target Weight
AAPL Apple Inc	Technology	3.33%
AMZN Amazon.com, Inc.	Consumer Cyclical	3.33%
DIVO Amplify CWP Enhanced Dividend Income ETF	Large Cap Blend Equities, Actively Managed, Dividend	6%
GOOG Alphabet Inc	Communication Services	3.33%
GSY Invesco Ultra Short Duration ETF	Corporate Bonds, Actively Managed	20%
IAU iShares Gold Trust	Precious Metals, Gold	20%
JEPI JPMorgan Equity Premium Income ETF	Actively Managed, Dividend, Derivative Income	7%
MSFT Microsoft Corporation	Technology	3.33%
NVDA NVIDIA Corporation	Technology	3.33%
SCHD Schwab US Dividend Equity ETF	Large Cap Growth Equities, Dividend	7%
SHY iShares 1-3 Year Treasury Bond ETF	Government Bonds	0%
SPY SPDR S&P 500 ETF	Large Cap Growth Equities	20%
TSLA Tesla, Inc.	Consumer Cyclical	3.33%

Benchmark

S&P 500

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is May 21, 2020, corresponding to the inception date of JEPI

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	1.00%	12.45%	0.40%	11.91%	15.04%	10.82%
Early Retirement V5	4.95%	7.56%	5.72%	18.61%	N/A	N/A
Portfolio components:
SCHD Schwab US Dividend Equity ETF	-2.20%	4.17%	-5.84%	3.53%	13.30%	10.61%
SHY iShares 1-3 Year Treasury Bond ETF	1.87%	-0.06%	2.42%	5.37%	1.05%	1.39%
SPY SPDR S&P 500 ETF	1.46%	12.62%	1.07%	13.27%	16.68%	12.71%
IAU iShares Gold Trust	25.47%	-0.81%	24.89%	35.37%	13.51%	10.30%
GSY Invesco Ultra Short Duration ETF	1.81%	0.49%	2.43%	5.64%	3.00%	2.51%
MSFT Microsoft Corporation	9.12%	24.81%	10.31%	8.54%	21.12%	27.40%
AAPL Apple Inc	-17.20%	5.15%	-9.16%	8.79%	21.85%	21.43%
GOOG Alphabet Inc	-13.09%	7.80%	-7.73%	-6.92%	18.82%	19.92%
TSLA Tesla, Inc.	-14.86%	42.45%	-0.63%	96.52%	44.19%	35.47%
NVDA NVIDIA Corporation	0.08%	32.41%	-8.58%	41.82%	72.71%	74.79%
AMZN Amazon.com, Inc.	-6.98%	18.23%	-0.26%	11.19%	10.78%	25.31%
JEPI JPMorgan Equity Premium Income ETF	0.55%	5.65%	-1.31%	6.16%	N/A	N/A
DIVO Amplify CWP Enhanced Dividend Income ETF	4.30%	6.88%	2.24%	11.62%	13.84%	N/A

*Annualized

Monthly Returns

The table below presents the monthly returns of Early Retirement V5, 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	2.55%	-1.27%	-1.23%	0.55%	4.38%								4.95%
2024	0.54%	3.52%	3.73%	-0.91%	3.53%	2.82%	2.28%	1.16%	3.09%	0.58%	3.64%	-0.30%	26.24%
2023	7.02%	-0.97%	5.14%	0.63%	2.49%	3.88%	2.64%	-0.60%	-3.90%	0.06%	5.84%	2.76%	27.37%
2022	-3.79%	-0.18%	3.21%	-6.69%	-1.02%	-4.93%	6.05%	-3.55%	-6.22%	3.11%	4.87%	-3.83%	-13.18%
2021	-0.45%	-0.44%	2.26%	4.39%	1.55%	1.19%	1.86%	2.35%	-3.39%	6.18%	0.86%	2.15%	19.79%
2020					1.43%	3.35%	7.10%	8.16%	-4.08%	-1.56%	5.79%	4.15%	26.34%

Expense Ratio

Early Retirement V5 has an expense ratio of 0.17%, 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.

IAU

iShares Gold Trust

GSY

Invesco Ultra Short Duration ETF

SHY

iShares 1-3 Year Treasury Bond ETF

SPY

SPDR S&P 500 ETF

SCHD

Schwab US Dividend Equity ETF

DIVO

Amplify CWP Enhanced Dividend Income ETF

JEPI

JPMorgan Equity Premium Income ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 88, Early Retirement V5 is among the top 12% 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.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
SCHD Schwab US Dividend Equity ETF	0.22	0.38	1.05	0.19	0.60
SHY iShares 1-3 Year Treasury Bond ETF	3.25	5.34	1.69	5.46	14.89
SPY SPDR S&P 500 ETF	0.66	1.08	1.16	0.72	2.78
IAU iShares Gold Trust	1.99	2.86	1.36	4.69	11.96
GSY Invesco Ultra Short Duration ETF	11.05	26.81	5.99	31.41	205.62
MSFT Microsoft Corporation	0.34	0.72	1.10	0.41	0.90
AAPL Apple Inc	0.27	0.64	1.09	0.28	0.92
GOOG Alphabet Inc	-0.22	-0.03	1.00	-0.18	-0.39
TSLA Tesla, Inc.	1.34	2.11	1.25	1.66	3.96
NVDA NVIDIA Corporation	0.70	1.30	1.16	1.15	2.83
AMZN Amazon.com, Inc.	0.33	0.70	1.09	0.36	0.95
JEPI JPMorgan Equity Premium Income ETF	0.45	0.73	1.12	0.47	2.00
DIVO Amplify CWP Enhanced Dividend Income ETF	0.83	1.23	1.18	0.94	3.53

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.

Early Retirement V5 Sharpe ratios as of May 21, 2025 (values are recalculated daily):

1-Year: 1.40
All Time: 1.39

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 0.54 to 1.03, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of Early Retirement V5 compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.

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Dividends

Dividend yield

Early Retirement V5 provided a 2.42% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	2.42%	2.40%	2.43%	2.07%	1.34%	1.57%	1.67%	1.53%	1.25%	1.03%	1.04%	1.01%
Portfolio components:
SCHD Schwab US Dividend Equity ETF	3.93%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%	2.63%
SHY iShares 1-3 Year Treasury Bond ETF	3.96%	3.92%	2.99%	1.30%	0.24%	0.94%	2.12%	1.72%	0.98%	0.71%	0.54%	0.36%
SPY SPDR S&P 500 ETF	1.21%	1.21%	1.40%	1.65%	1.20%	1.52%	1.75%	2.04%	1.80%	2.03%	2.06%	1.87%
IAU iShares Gold Trust	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GSY Invesco Ultra Short Duration ETF	5.05%	5.31%	4.95%	1.70%	0.58%	1.45%	2.71%	2.30%	1.80%	1.30%	1.17%	1.29%
MSFT Microsoft Corporation	0.71%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%	2.48%
AAPL Apple Inc	0.49%	0.40%	0.49%	0.70%	0.49%	0.61%	1.04%	1.79%	1.45%	1.93%	1.93%	1.67%
GOOG Alphabet Inc	0.48%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TSLA Tesla, 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%
NVDA NVIDIA Corporation	0.02%	0.02%	0.03%	0.11%	0.05%	0.12%	0.27%	0.46%	0.29%	0.45%	1.20%	1.70%
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%
JEPI JPMorgan Equity Premium Income ETF	7.98%	7.33%	8.40%	11.68%	6.59%	5.79%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIVO Amplify CWP Enhanced Dividend Income ETF	4.70%	4.70%	4.67%	4.76%	4.79%	4.92%	8.16%	5.27%	3.83%	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 Early Retirement V5. 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 Early Retirement V5 was 17.77%, occurring on Oct 14, 2022. Recovery took 157 trading sessions.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-17.77%	Jan 4, 2022	197	Oct 14, 2022	157	Jun 1, 2023	354
-11.2%	Feb 20, 2025	34	Apr 8, 2025	24	May 13, 2025	58
-7.8%	Sep 3, 2020	14	Sep 23, 2020	48	Dec 1, 2020	62
-6.33%	Jul 17, 2024	16	Aug 7, 2024	26	Sep 13, 2024	42
-5.36%	Aug 1, 2023	45	Oct 3, 2023	32	Nov 16, 2023	77

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 13 assets, with an effective number of assets of 7.14, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

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

	^GSPC	GSY	SHY	IAU	TSLA	NVDA	SCHD	AMZN	AAPL	GOOG	JEPI	DIVO	MSFT	SPY	Portfolio
^GSPC	1.00	0.08	0.08	0.13	0.55	0.68	0.76	0.69	0.71	0.72	0.81	0.82	0.76	1.00	0.92
GSY	0.08	1.00	0.60	0.26	0.05	0.03	0.08	0.09	0.07	0.05	0.08	0.07	0.06	0.09	0.15
SHY	0.08	0.60	1.00	0.36	0.02	0.03	0.08	0.09	0.09	0.08	0.10	0.05	0.06	0.08	0.17
IAU	0.13	0.26	0.36	1.00	0.05	0.09	0.11	0.10	0.08	0.12	0.11	0.13	0.09	0.13	0.36
TSLA	0.55	0.05	0.02	0.05	1.00	0.47	0.29	0.47	0.49	0.44	0.34	0.34	0.46	0.55	0.64
NVDA	0.68	0.03	0.03	0.09	0.47	1.00	0.30	0.60	0.53	0.55	0.39	0.40	0.65	0.67	0.72
SCHD	0.76	0.08	0.08	0.11	0.29	0.30	1.00	0.32	0.43	0.39	0.80	0.85	0.39	0.76	0.63
AMZN	0.69	0.09	0.09	0.10	0.47	0.60	0.32	1.00	0.60	0.68	0.46	0.43	0.71	0.69	0.72
AAPL	0.71	0.07	0.09	0.08	0.49	0.53	0.43	0.60	1.00	0.60	0.51	0.52	0.67	0.71	0.72
GOOG	0.72	0.05	0.08	0.12	0.44	0.55	0.39	0.68	0.60	1.00	0.49	0.49	0.72	0.72	0.73
JEPI	0.81	0.08	0.10	0.11	0.34	0.39	0.80	0.46	0.51	0.49	1.00	0.85	0.55	0.81	0.70
DIVO	0.82	0.07	0.05	0.13	0.34	0.40	0.85	0.43	0.52	0.49	0.85	1.00	0.52	0.82	0.72
MSFT	0.76	0.06	0.06	0.09	0.46	0.65	0.39	0.71	0.67	0.72	0.55	0.52	1.00	0.76	0.77
SPY	1.00	0.09	0.08	0.13	0.55	0.67	0.76	0.69	0.71	0.72	0.81	0.82	0.76	1.00	0.92
Portfolio	0.92	0.15	0.17	0.36	0.64	0.72	0.63	0.72	0.72	0.73	0.70	0.72	0.77	0.92	1.00

The correlation results are calculated based on daily price changes starting from May 22, 2020

Performance Analysis

Risk Analysis

Optimization

Factor Model

Early Retirement V5

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

Portfolios

Screeners

Community