108 rule 2
108 - age
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 108 rule 2, 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
The earliest data available for this chart is May 18, 2012, corresponding to the inception date of META
Returns By Period
As of Nov 13, 2024, the 108 rule 2 returned 26.91% Year-To-Date and 16.34% of annualized return in the last 10 years.
| Year-To-Date | 1 month | 6 months | 1 year | 5 years (annualized) | 10 years (annualized) | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 25.45% | 2.91% | 14.05% | 35.64% | 14.13% | 11.39% |
| 108 rule 2 | 26.91% | 1.89% | 12.38% | 34.98% | 18.32% | 16.34% |
| Portfolio components: | ||||||
VOO Vanguard S&P 500 ETF | 26.88% | 2.17% | 13.46% | 35.00% | 15.77% | 13.41% |
IAU iShares Gold Trust | 25.75% | -2.04% | 8.75% | 32.01% | 11.97% | 7.91% |
MSFT Microsoft Corporation | 13.11% | 0.93% | 0.17% | 15.11% | 24.29% | 25.94% |
AAPL Apple Inc | 17.04% | -2.95% | 18.46% | 20.21% | 28.46% | 24.38% |
NVDA NVIDIA Corporation | 199.51% | 7.40% | 56.73% | 198.72% | 96.89% | 77.92% |
GOOGL Alphabet Inc. | 30.34% | 10.10% | 5.54% | 36.26% | 22.35% | 20.75% |
AMZN Amazon.com, Inc. | 37.50% | 11.39% | 12.32% | 43.29% | 19.24% | 29.06% |
META Meta Platforms, Inc. | 65.72% | -0.95% | 21.68% | 74.42% | 24.74% | 22.92% |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 4.55% | 0.38% | 2.55% | 5.27% | 2.26% | 1.55% |
VXUS Vanguard Total International Stock ETF | 6.85% | -4.99% | -0.72% | 14.09% | 5.45% | 4.93% |
DIA SPDR Dow Jones Industrial Average ETF | 18.16% | 2.01% | 10.96% | 28.35% | 11.56% | 11.90% |
QQQ Invesco QQQ | 25.79% | 3.10% | 13.59% | 34.02% | 21.26% | 18.39% |
MOAT VanEck Vectors Morningstar Wide Moat ETF | 14.76% | 0.10% | 8.56% | 28.71% | 13.93% | 13.37% |
XLF Financial Select Sector SPDR Fund | 33.79% | 6.28% | 18.82% | 46.54% | 13.10% | 11.95% |
XLV Health Care Select Sector SPDR Fund | 9.17% | -4.86% | 1.47% | 16.96% | 10.52% | 9.94% |
Monthly Returns
The table below presents the monthly returns of 108 rule 2, 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 1.80% | 5.31% | 3.17% | -3.48% | 4.88% | 3.64% | 1.16% | 2.15% | 2.27% | -0.65% | 26.91% | ||
| 2023 | 8.50% | -1.32% | 6.12% | 1.96% | 2.91% | 5.43% | 3.73% | -1.64% | -4.46% | -1.41% | 8.88% | 4.62% | 37.60% |
| 2022 | -5.12% | -2.88% | 3.19% | -9.50% | -0.41% | -7.64% | 8.66% | -4.40% | -9.15% | 5.22% | 6.67% | -5.66% | -20.90% |
| 2021 | -0.66% | 1.99% | 3.60% | 5.42% | 1.02% | 2.87% | 2.10% | 3.27% | -4.74% | 6.29% | 0.04% | 2.90% | 26.36% |
| 2020 | 0.91% | -6.31% | -9.56% | 12.47% | 5.09% | 3.28% | 5.97% | 7.97% | -4.30% | -2.41% | 9.72% | 3.85% | 27.08% |
| 2019 | 7.92% | 2.57% | 2.31% | 4.26% | -6.72% | 7.03% | 1.74% | -1.39% | 1.62% | 3.38% | 3.54% | 3.24% | 32.82% |
| 2018 | 7.18% | -2.80% | -3.12% | 0.59% | 3.14% | 0.29% | 3.09% | 3.68% | 0.16% | -6.87% | 0.62% | -7.63% | -2.68% |
| 2017 | 3.15% | 3.79% | 0.92% | 1.73% | 2.83% | 0.07% | 2.94% | 1.19% | 0.99% | 3.71% | 2.36% | 1.01% | 27.56% |
| 2016 | -4.81% | 0.08% | 6.34% | 0.16% | 2.80% | -0.56% | 5.33% | 0.69% | 1.05% | -1.16% | 2.65% | 2.15% | 15.22% |
| 2015 | -1.83% | 5.49% | -1.75% | 2.01% | 1.05% | -1.83% | 2.93% | -5.07% | -1.83% | 9.08% | 0.91% | -1.35% | 7.25% |
| 2014 | -2.31% | 4.72% | -0.71% | 0.22% | 2.48% | 2.28% | -0.64% | 4.04% | -1.25% | 1.51% | 2.98% | -1.36% | 12.31% |
| 2013 | 3.87% | 0.15% | 2.51% | 2.16% | 2.07% | -2.07% | 6.27% | -1.04% | 4.01% | 4.12% | 2.60% | 2.54% | 30.46% |
Expense Ratio
108 rule 2 has an expense ratio of 0.13%, which is considered low compared to other funds. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of 108 rule 2 is 83, placing it in the top 17% of portfolios on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
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 | |
|---|---|---|---|---|---|
VOO Vanguard S&P 500 ETF | 3.06 | 4.08 | 1.58 | 4.43 | 20.25 |
IAU iShares Gold Trust | 2.31 | 3.05 | 1.40 | 5.01 | 14.95 |
MSFT Microsoft Corporation | 0.78 | 1.12 | 1.15 | 0.99 | 2.42 |
AAPL Apple Inc | 0.93 | 1.47 | 1.18 | 1.26 | 2.96 |
NVDA NVIDIA Corporation | 4.00 | 3.97 | 1.51 | 7.65 | 24.12 |
GOOGL Alphabet Inc. | 1.41 | 1.96 | 1.26 | 1.69 | 4.24 |
AMZN Amazon.com, Inc. | 1.69 | 2.35 | 1.30 | 1.93 | 7.75 |
META Meta Platforms, Inc. | 2.18 | 3.09 | 1.43 | 4.26 | 13.22 |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 20.36 | 273.01 | 158.62 | 482.85 | 4,446.78 |
VXUS Vanguard Total International Stock ETF | 1.33 | 1.90 | 1.24 | 1.23 | 7.70 |
DIA SPDR Dow Jones Industrial Average ETF | 2.76 | 3.88 | 1.52 | 5.02 | 15.89 |
QQQ Invesco QQQ | 2.11 | 2.78 | 1.38 | 2.69 | 9.81 |
MOAT VanEck Vectors Morningstar Wide Moat ETF | 2.66 | 3.67 | 1.48 | 2.92 | 14.19 |
XLF Financial Select Sector SPDR Fund | 3.54 | 4.96 | 1.65 | 3.19 | 25.45 |
XLV Health Care Select Sector SPDR Fund | 1.75 | 2.45 | 1.32 | 2.07 | 7.72 |
Dividends
Dividend yield
108 rule 2 provided a 1.21% dividend yield over the last twelve months.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.21% | 1.31% | 1.29% | 0.95% | 1.12% | 1.41% | 1.56% | 1.28% | 1.44% | 1.55% | 1.49% | 1.36% |
| Portfolio components: | ||||||||||||
VOO Vanguard S&P 500 ETF | 1.23% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% | 1.85% | 1.84% |
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% |
MSFT Microsoft Corporation | 0.71% | 0.74% | 1.06% | 0.68% | 0.94% | 1.20% | 1.69% | 1.86% | 2.37% | 2.33% | 2.48% | 2.59% |
AAPL Apple Inc | 0.44% | 0.49% | 0.70% | 0.49% | 0.61% | 1.04% | 1.79% | 1.45% | 1.93% | 1.93% | 1.67% | 2.10% |
NVDA NVIDIA Corporation | 0.02% | 0.03% | 0.11% | 0.05% | 0.12% | 0.27% | 0.46% | 0.29% | 0.45% | 1.20% | 1.70% | 1.94% |
GOOGL Alphabet Inc. | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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% |
META Meta Platforms, Inc. | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
BIL SPDR Barclays 1-3 Month T-Bill ETF | 5.15% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% | 0.00% | 0.00% | 0.00% |
VXUS Vanguard Total International Stock ETF | 3.00% | 3.25% | 3.09% | 3.10% | 2.14% | 3.06% | 3.17% | 2.73% | 2.93% | 2.83% | 3.40% | 2.70% |
DIA SPDR Dow Jones Industrial Average ETF | 1.57% | 1.81% | 1.91% | 1.58% | 1.87% | 2.09% | 2.24% | 1.97% | 2.26% | 2.33% | 2.02% | 2.08% |
QQQ Invesco QQQ | 0.59% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% | 1.02% |
MOAT VanEck Vectors Morningstar Wide Moat ETF | 0.75% | 0.86% | 1.25% | 1.08% | 1.45% | 1.31% | 1.79% | 1.07% | 1.17% | 2.13% | 1.34% | 0.79% |
XLF Financial Select Sector SPDR Fund | 1.34% | 1.71% | 2.04% | 1.63% | 2.03% | 1.86% | 2.09% | 1.48% | 1.63% | 1.95% | 1.61% | 1.47% |
XLV Health Care Select Sector SPDR Fund | 1.54% | 1.59% | 1.47% | 1.33% | 1.49% | 2.17% | 1.58% | 1.47% | 1.60% | 1.43% | 1.35% | 1.52% |
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 108 rule 2. 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 108 rule 2 was 29.11%, occurring on Mar 23, 2020. Recovery took 72 trading sessions.
The current 108 rule 2 drawdown is 0.30%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -29.11% | Feb 20, 2020 | 23 | Mar 23, 2020 | 72 | Jul 6, 2020 | 95 |
| -26.39% | Dec 28, 2021 | 202 | Oct 14, 2022 | 185 | Jul 13, 2023 | 387 |
| -18.65% | Oct 4, 2018 | 56 | Dec 24, 2018 | 71 | Apr 8, 2019 | 127 |
| -11.9% | Dec 2, 2015 | 49 | Feb 11, 2016 | 42 | Apr 13, 2016 | 91 |
| -11.03% | Jul 21, 2015 | 26 | Aug 25, 2015 | 42 | Oct 23, 2015 | 68 |
Volatility
Volatility Chart
The current 108 rule 2 volatility is 3.65%, 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
| BIL | IAU | META | NVDA | AAPL | AMZN | XLV | XLF | GOOGL | MSFT | VXUS | MOAT | DIA | QQQ | VOO | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BIL | 1.00 | 0.03 | 0.02 | 0.02 | 0.00 | -0.01 | -0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 | 0.02 |
| IAU | 0.03 | 1.00 | 0.03 | 0.01 | 0.03 | 0.01 | 0.00 | -0.08 | 0.02 | 0.02 | 0.17 | 0.04 | -0.00 | 0.02 | 0.02 |
| META | 0.02 | 0.03 | 1.00 | 0.47 | 0.45 | 0.56 | 0.40 | 0.35 | 0.60 | 0.50 | 0.45 | 0.46 | 0.44 | 0.65 | 0.55 |
| NVDA | 0.02 | 0.01 | 0.47 | 1.00 | 0.48 | 0.51 | 0.37 | 0.39 | 0.50 | 0.56 | 0.49 | 0.51 | 0.48 | 0.70 | 0.60 |
| AAPL | 0.00 | 0.03 | 0.45 | 0.48 | 1.00 | 0.50 | 0.42 | 0.40 | 0.54 | 0.56 | 0.50 | 0.51 | 0.54 | 0.74 | 0.64 |
| AMZN | -0.01 | 0.01 | 0.56 | 0.51 | 0.50 | 1.00 | 0.43 | 0.39 | 0.65 | 0.60 | 0.50 | 0.54 | 0.51 | 0.75 | 0.64 |
| XLV | -0.01 | 0.00 | 0.40 | 0.37 | 0.42 | 0.43 | 1.00 | 0.59 | 0.49 | 0.51 | 0.60 | 0.70 | 0.73 | 0.65 | 0.75 |
| XLF | 0.00 | -0.08 | 0.35 | 0.39 | 0.40 | 0.39 | 0.59 | 1.00 | 0.46 | 0.46 | 0.68 | 0.77 | 0.84 | 0.59 | 0.79 |
| GOOGL | 0.01 | 0.02 | 0.60 | 0.50 | 0.54 | 0.65 | 0.49 | 0.46 | 1.00 | 0.64 | 0.55 | 0.57 | 0.57 | 0.75 | 0.68 |
| MSFT | 0.02 | 0.02 | 0.50 | 0.56 | 0.56 | 0.60 | 0.51 | 0.46 | 0.64 | 1.00 | 0.55 | 0.59 | 0.62 | 0.79 | 0.72 |
| VXUS | 0.03 | 0.17 | 0.45 | 0.49 | 0.50 | 0.50 | 0.60 | 0.68 | 0.55 | 0.55 | 1.00 | 0.76 | 0.77 | 0.72 | 0.81 |
| MOAT | 0.03 | 0.04 | 0.46 | 0.51 | 0.51 | 0.54 | 0.70 | 0.77 | 0.57 | 0.59 | 0.76 | 1.00 | 0.85 | 0.77 | 0.89 |
| DIA | 0.02 | -0.00 | 0.44 | 0.48 | 0.54 | 0.51 | 0.73 | 0.84 | 0.57 | 0.62 | 0.77 | 0.85 | 1.00 | 0.75 | 0.92 |
| QQQ | 0.01 | 0.02 | 0.65 | 0.70 | 0.74 | 0.75 | 0.65 | 0.59 | 0.75 | 0.79 | 0.72 | 0.77 | 0.75 | 1.00 | 0.90 |
| VOO | 0.02 | 0.02 | 0.55 | 0.60 | 0.64 | 0.64 | 0.75 | 0.79 | 0.68 | 0.72 | 0.81 | 0.89 | 0.92 | 0.90 | 1.00 |