Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Balanced Value & Growth, US & International, 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.
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The earliest data available for this chart is Mar 2, 2016, corresponding to the inception date of VYMI
Returns By Period
As of Apr 2, 2026, the Balanced Value & Growth, US & International returned 2.48% Year-To-Date and 12.87% of annualized return in the last 10 years.
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.11% | -3.43% | -3.84% | -1.98% | 16.08% | 16.86% | 10.37% | 12.29% |
Portfolio Balanced Value & Growth, US & International | 0.03% | -2.71% | 2.48% | 6.43% | 20.21% | 17.14% | 10.90% | 12.87% |
| Portfolio components: | ||||||||
VTV Vanguard Value ETF | 0.16% | -3.03% | 3.71% | 6.74% | 16.12% | 14.94% | 10.95% | 11.89% |
VHT Vanguard Health Care ETF | -0.52% | -5.31% | -4.78% | 3.43% | 6.11% | 5.91% | 5.14% | 9.64% |
VUG Vanguard Growth ETF | 0.11% | -3.66% | -9.29% | -8.34% | 17.67% | 21.67% | 11.69% | 16.20% |
VYMI Vanguard International High Dividend Yield ETF | -0.11% | -0.87% | 6.26% | 13.90% | 33.42% | 20.17% | 12.59% | 10.36% |
VB Vanguard Small-Cap ETF | 0.47% | -3.05% | 2.99% | 3.93% | 18.72% | 13.45% | 5.57% | 10.71% |
CASH Meta Financial Group, Inc. | -0.02% | -1.57% | 26.83% | 22.53% | 19.62% | 29.77% | 14.61% | 20.33% |
Monthly Returns
Based on dividend-adjusted daily data since Mar 3, 2016, Balanced Value & Growth, US & International's average daily return is +0.05%, while the average monthly return is +1.11%. At this rate, your investment would double in approximately 5.2 years.
Historically, 71% of months were positive and 29% were negative. The best month was Nov 2020 with a return of +12.8%, while the worst month was Mar 2020 at -15.6%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Balanced Value & Growth, US & International closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +8.9%, while the worst single day was Mar 16, 2020 at -11.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.53% | 2.82% | -5.28% | 0.67% | 2.48% | ||||||||
| 2025 | 4.22% | -0.01% | -2.56% | -0.50% | 3.39% | 3.63% | 0.24% | 3.89% | 1.90% | 0.76% | 2.83% | 0.79% | 19.97% |
| 2024 | 0.24% | 3.60% | 3.50% | -3.62% | 4.11% | 0.97% | 4.16% | 2.60% | 1.16% | -1.63% | 5.11% | -4.90% | 15.77% |
| 2023 | 6.09% | -2.71% | -0.10% | 2.21% | -2.52% | 6.08% | 3.94% | -2.74% | -3.55% | -3.03% | 7.77% | 5.59% | 17.27% |
| 2022 | -2.98% | -1.93% | 2.58% | -7.44% | 1.13% | -7.67% | 4.95% | -3.56% | -7.69% | 9.32% | 6.59% | -3.51% | -11.38% |
| 2021 | 0.47% | 3.86% | 4.07% | 4.09% | 2.27% | 0.42% | 0.88% | 1.99% | -3.38% | 5.13% | -2.59% | 5.08% | 24.17% |
Benchmark Metrics
Balanced Value & Growth, US & International has an annualized alpha of 1.77%, beta of 0.89, and R² of 0.92 versus S&P 500 Index. Calculated based on daily prices since March 03, 2016.
- This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (92.12%) than losses (87.67%) — typical of diversified or defensive assets.
- With beta of 0.89 and R² of 0.92, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- 1.77%
- Beta
- 0.89
- R²
- 0.92
- Upside Capture
- 92.12%
- Downside Capture
- 87.67%
Expense Ratio
Balanced Value & Growth, US & International has an expense ratio of 0.05%, 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.
Return for Risk
Risk / Return Rank
Balanced Value & Growth, US & International ranks 57 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.30 | 0.88 | +0.42 |
Sortino ratioReturn per unit of downside risk | 1.89 | 1.37 | +0.52 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.21 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.86 | 1.39 | +0.47 |
Martin ratioReturn relative to average drawdown | 8.61 | 6.43 | +2.18 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|---|
VTV Vanguard Value ETF | 56 | 1.09 | 1.57 | 1.23 | 1.48 | 6.62 |
VHT Vanguard Health Care ETF | 21 | 0.35 | 0.60 | 1.08 | 0.67 | 1.55 |
VUG Vanguard Growth ETF | 38 | 0.78 | 1.27 | 1.18 | 1.13 | 3.90 |
VYMI Vanguard International High Dividend Yield ETF | 90 | 2.11 | 2.79 | 1.44 | 3.04 | 12.35 |
VB Vanguard Small-Cap ETF | 46 | 0.86 | 1.35 | 1.18 | 1.44 | 6.15 |
CASH Meta Financial Group, Inc. | 60 | 0.69 | 1.16 | 1.15 | 1.07 | 2.29 |
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Dividends
Dividend yield
Balanced Value & Growth, US & International provided a 1.97% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.97% | 1.98% | 2.35% | 2.36% | 2.43% | 2.11% | 2.03% | 2.40% | 2.54% | 2.04% | 1.96% | 1.43% |
| Portfolio components: | ||||||||||||
VTV Vanguard Value ETF | 2.02% | 2.05% | 2.31% | 2.46% | 2.52% | 2.15% | 2.56% | 2.50% | 2.73% | 2.29% | 2.44% | 2.60% |
VHT Vanguard Health Care ETF | 1.72% | 1.61% | 1.53% | 1.36% | 1.33% | 1.14% | 1.21% | 1.89% | 1.38% | 1.31% | 1.45% | 1.22% |
VUG Vanguard Growth ETF | 0.45% | 0.41% | 0.47% | 0.58% | 0.70% | 0.48% | 0.66% | 0.95% | 1.32% | 1.14% | 1.39% | 1.30% |
VYMI Vanguard International High Dividend Yield ETF | 3.61% | 3.68% | 4.84% | 4.58% | 4.70% | 4.30% | 3.22% | 4.20% | 4.29% | 3.21% | 2.39% | 0.00% |
VB Vanguard Small-Cap ETF | 1.32% | 1.33% | 1.30% | 1.55% | 1.59% | 1.24% | 1.14% | 1.39% | 1.67% | 1.35% | 1.50% | 1.48% |
CASH Meta Financial Group, Inc. | 0.22% | 0.28% | 0.27% | 0.38% | 0.46% | 0.34% | 0.55% | 0.55% | 0.96% | 0.56% | 0.51% | 1.13% |
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 Balanced Value & Growth, US & International. 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 Balanced Value & Growth, US & International was 36.03%, occurring on Mar 23, 2020. Recovery took 161 trading sessions.
The current Balanced Value & Growth, US & International drawdown is 5.07%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -36.03% | Feb 13, 2020 | 27 | Mar 23, 2020 | 161 | Nov 9, 2020 | 188 |
| -21.8% | Jan 13, 2022 | 180 | Sep 30, 2022 | 302 | Dec 13, 2023 | 482 |
| -18.75% | Jan 29, 2018 | 229 | Dec 24, 2018 | 122 | Jun 20, 2019 | 351 |
| -14.3% | Feb 20, 2025 | 34 | Apr 8, 2025 | 41 | Jun 6, 2025 | 75 |
| -7.96% | Feb 26, 2026 | 23 | Mar 30, 2026 | — | — | — |
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 6 assets, with an effective number of assets of 4.49, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| Benchmark | CASH | VHT | VYMI | VUG | VTV | VB | Portfolio | |
|---|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.47 | 0.71 | 0.73 | 0.93 | 0.84 | 0.85 | 0.92 |
| CASH | 0.47 | 1.00 | 0.33 | 0.41 | 0.37 | 0.54 | 0.58 | 0.61 |
| VHT | 0.71 | 0.33 | 1.00 | 0.55 | 0.63 | 0.72 | 0.65 | 0.76 |
| VYMI | 0.73 | 0.41 | 0.55 | 1.00 | 0.61 | 0.75 | 0.72 | 0.84 |
| VUG | 0.93 | 0.37 | 0.63 | 0.61 | 1.00 | 0.64 | 0.74 | 0.79 |
| VTV | 0.84 | 0.54 | 0.72 | 0.75 | 0.64 | 1.00 | 0.84 | 0.93 |
| VB | 0.85 | 0.58 | 0.65 | 0.72 | 0.74 | 0.84 | 1.00 | 0.91 |
| Portfolio | 0.92 | 0.61 | 0.76 | 0.84 | 0.79 | 0.93 | 0.91 | 1.00 |