Legacy Wealth

Asset Allocation

Position	Category/Sector	Target Weight
AAPL Apple Inc	Technology	3%
AGG iShares Core U.S. Aggregate Bond ETF	Total Bond Market	11%
BRK-B Berkshire Hathaway Inc.	Financial Services	10%
DVY iShares Select Dividend ETF	Large Cap Value Equities, Dividend	10%
FPI Farmland Partners Inc.	Real Estate	6%
GPC Genuine Parts Company	Consumer Cyclical	5%
MSFT Microsoft Corporation	Technology	5%
O Realty Income Corporation	Real Estate	10%
RGLD Royal Gold, Inc.	Basic Materials	17%
UNH UnitedHealth Group Incorporated	Healthcare	7%
VIG Vanguard Dividend Appreciation ETF	Dividend	5%
VUG Vanguard Growth ETF	Large Cap Growth Equities	6%
WMT Walmart Inc.	Consumer Defensive	5%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Legacy Wealth, 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 Apr 11, 2014, corresponding to the inception date of FPI

Returns By Period

As of Apr 3, 2026, the Legacy Wealth returned 2.74% Year-To-Date and 13.67% 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 Legacy Wealth	0.22%	-4.52%	2.74%	3.59%	12.77%	13.35%	11.25%	13.67%
Portfolio components:
UNH UnitedHealth Group Incorporated	1.20%	-3.39%	-15.36%	-20.48%	-45.51%	-15.89%	-3.82%	9.69%
AAPL Apple Inc	0.11%	-2.97%	-5.78%	-0.28%	14.80%	16.04%	16.39%	26.10%
BRK-B Berkshire Hathaway Inc.	-0.24%	-0.83%	-5.03%	-3.74%	-11.23%	15.44%	13.08%	12.79%
O Realty Income Corporation	0.53%	-6.12%	11.80%	6.39%	15.07%	5.34%	4.90%	5.14%
GPC Genuine Parts Company	-1.63%	-10.31%	-15.08%	-25.03%	-10.97%	-12.39%	0.39%	3.47%
WMT Walmart Inc.	0.84%	-1.46%	13.14%	24.19%	41.38%	37.98%	24.34%	20.62%
MSFT Microsoft Corporation	1.11%	-7.54%	-22.60%	-27.29%	-1.52%	10.00%	9.94%	22.58%
VIG Vanguard Dividend Appreciation ETF	0.16%	-3.69%	-1.33%	0.36%	12.71%	13.72%	9.86%	12.36%
RGLD Royal Gold, Inc.	-0.47%	-6.37%	18.61%	32.78%	61.43%	27.46%	20.10%	19.43%
AGG iShares Core U.S. Aggregate Bond ETF	0.23%	-1.00%	0.32%	0.90%	4.41%	3.55%	0.29%	1.68%

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

Monthly Returns

Based on dividend-adjusted daily data since Apr 14, 2014, Legacy Wealth's average daily return is +0.05%, while the average monthly return is +1.08%. At this rate, your investment would double in approximately 5.4 years.

Historically, 66% of months were positive and 34% were negative. The best month was Apr 2020 with a return of +14.6%, while the worst month was Mar 2020 at -10.0%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 6 months.

On a daily basis, Legacy Wealth closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +10.3%, while the worst single day was Mar 18, 2020 at -10.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	4.97%	4.84%	-7.77%	1.22%									2.74%
2025	2.96%	2.09%	0.94%	0.28%	0.06%	1.42%	-3.79%	7.08%	4.51%	-3.74%	3.82%	0.78%	17.08%
2024	-0.91%	0.18%	4.54%	-2.56%	3.72%	1.08%	5.37%	3.36%	0.86%	-1.15%	4.59%	-5.38%	13.91%
2023	4.80%	-3.80%	3.56%	1.99%	-2.27%	2.74%	1.83%	-3.13%	-4.09%	-1.17%	9.40%	2.09%	11.65%
2022	-2.80%	1.88%	7.90%	-4.01%	-2.89%	-5.12%	6.42%	-5.05%	-6.32%	6.76%	6.10%	-2.98%	-1.70%
2021	-0.23%	2.24%	4.39%	6.19%	2.42%	-1.69%	3.12%	0.03%	-6.08%	5.96%	-0.77%	5.56%	22.43%

Benchmark Metrics

Legacy Wealth has an annualized alpha of 5.14%, beta of 0.67, and R² of 0.67 versus S&P 500 Index. Calculated based on daily prices since April 14, 2014.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (77.37%) than losses (62.08%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 5.14% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
Beta of 0.67 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 5.14%

Beta: 0.67

R²: 0.67

Upside Capture: 77.37%

Downside Capture: 62.08%

Expense Ratio

Legacy Wealth 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.

DVY

iShares Select Dividend ETF

VIG

Vanguard Dividend Appreciation ETF

AGG

iShares Core U.S. Aggregate Bond ETF

VUG

Vanguard Growth ETF

Return for Risk

Risk / Return Rank

Legacy Wealth ranks 20 for risk / return — in the bottom 20% of portfolios on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.

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

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	0.92	0.88	+0.04
Sortino ratio Return per unit of downside risk	1.38	1.37	+0.01
Omega ratio Gain probability vs. loss probability	1.18	1.21	-0.03
Calmar ratio Return relative to maximum drawdown	1.13	1.39	-0.26
Martin ratio Return relative to average drawdown	4.37	6.43	-2.07
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
UNH UnitedHealth Group Incorporated	11	-0.89	-1.09	0.82	-0.76	-1.00
AAPL Apple Inc	55	0.47	0.92	1.13	0.66	2.04
BRK-B Berkshire Hathaway Inc.	15	-0.62	-0.73	0.90	-0.70	-1.19
O Realty Income Corporation	66	0.90	1.29	1.16	1.35	4.03
GPC Genuine Parts Company	24	-0.37	-0.32	0.96	-0.28	-0.88
WMT Walmart Inc.	87	1.72	2.65	1.33	3.92	10.75
MSFT Microsoft Corporation	35	-0.06	0.11	1.01	-0.05	-0.12
VIG Vanguard Dividend Appreciation ETF	43	0.84	1.28	1.19	1.24	5.41
RGLD Royal Gold, Inc.	79	1.56	1.97	1.27	2.11	6.72
AGG iShares Core U.S. Aggregate Bond ETF	49	1.02	1.44	1.18	1.70	4.71

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.

Legacy Wealth Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 0.92
5-Year: 0.87
10-Year: 0.95
All Time: 0.91

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 0.98 to 1.66, this portfolio's current Sharpe ratio places it in the bottom 25%. This suggests weaker risk-adjusted returns than most portfolios, possibly due to lower returns, higher volatility, or both. It may be worth reviewing the allocation. You can use the Portfolio Optimization tool to explore options for improving the Sharpe ratio.

The chart below shows the rolling Sharpe ratio of Legacy Wealth 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

Legacy Wealth provided a 2.32% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.32%	2.37%	2.69%	2.17%	1.88%	1.61%	1.88%	1.90%	2.42%	2.19%	2.26%	2.42%
Portfolio components:
UNH UnitedHealth Group Incorporated	3.19%	2.64%	1.62%	1.38%	1.21%	1.12%	1.38%	1.41%	1.38%	1.30%	1.48%	1.59%
AAPL Apple Inc	0.41%	0.38%	0.40%	0.49%	0.70%	0.49%	0.61%	1.04%	1.79%	1.45%	1.93%	1.93%
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%
O Realty Income Corporation	5.20%	6.19%	5.37%	5.33%	4.68%	3.87%	4.51%	3.69%	4.19%	4.45%	4.18%	4.41%
GPC Genuine Parts Company	4.01%	3.35%	3.43%	2.74%	2.06%	2.33%	3.15%	2.87%	3.00%	2.84%	2.75%	2.86%
WMT Walmart Inc.	0.76%	0.84%	0.92%	1.45%	1.58%	1.52%	1.50%	1.78%	2.23%	2.07%	2.89%	3.20%
MSFT Microsoft Corporation	0.93%	0.70%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%
VIG Vanguard Dividend Appreciation ETF	1.60%	1.62%	1.73%	1.88%	1.96%	1.55%	1.63%	1.71%	2.08%	1.88%	2.14%	2.34%
RGLD Royal Gold, Inc.	0.88%	0.81%	1.21%	1.24%	1.24%	1.14%	1.05%	0.87%	1.17%	1.17%	1.45%	1.81%
AGG iShares Core U.S. Aggregate Bond ETF	3.94%	3.89%	3.74%	3.13%	2.39%	1.77%	2.14%	2.70%	2.72%	2.32%	2.39%	2.45%

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 Legacy Wealth. 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 Legacy Wealth was 28.39%, occurring on Mar 23, 2020. Recovery took 82 trading sessions.

The current Legacy Wealth drawdown is 6.64%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-28.39%	Feb 21, 2020	22	Mar 23, 2020	82	Jul 20, 2020	104
-19.91%	Jan 27, 2015	248	Jan 20, 2016	47	Mar 29, 2016	295
-18.78%	Apr 21, 2022	123	Oct 14, 2022	292	Dec 13, 2023	415
-11.64%	Mar 2, 2026	15	Mar 20, 2026	—	—	—
-9.37%	Nov 9, 2018	30	Dec 24, 2018	25	Jan 31, 2019	55

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 10.64, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.

Asset Correlations Table

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

	Benchmark	AGG	RGLD	FPI	WMT	UNH	O	AAPL	GPC	MSFT	BRK-B	VUG	DVY	VIG	Portfolio
Benchmark	1.00	0.01	0.18	0.30	0.38	0.44	0.33	0.67	0.56	0.73	0.66	0.94	0.73	0.92	0.73
AGG	0.01	1.00	0.26	0.04	0.01	-0.03	0.25	0.03	-0.04	0.03	-0.09	0.04	0.01	0.03	0.19
RGLD	0.18	0.26	1.00	0.12	0.10	0.09	0.19	0.10	0.08	0.12	0.06	0.17	0.19	0.18	0.61
FPI	0.30	0.04	0.12	1.00	0.13	0.14	0.28	0.19	0.25	0.17	0.24	0.25	0.35	0.30	0.44
WMT	0.38	0.01	0.10	0.13	1.00	0.26	0.24	0.25	0.31	0.28	0.36	0.33	0.38	0.46	0.41
UNH	0.44	-0.03	0.09	0.14	0.26	1.00	0.23	0.27	0.34	0.29	0.40	0.35	0.41	0.49	0.49
O	0.33	0.25	0.19	0.28	0.24	0.23	1.00	0.18	0.34	0.21	0.30	0.27	0.47	0.41	0.54
AAPL	0.67	0.03	0.10	0.19	0.25	0.27	0.18	1.00	0.33	0.58	0.39	0.72	0.40	0.56	0.48
GPC	0.56	-0.04	0.08	0.25	0.31	0.34	0.34	0.33	1.00	0.31	0.54	0.43	0.67	0.64	0.55
MSFT	0.73	0.03	0.12	0.17	0.28	0.29	0.21	0.58	0.31	1.00	0.40	0.79	0.39	0.63	0.52
BRK-B	0.66	-0.09	0.06	0.24	0.36	0.40	0.30	0.39	0.54	0.40	1.00	0.50	0.71	0.70	0.58
VUG	0.94	0.04	0.17	0.25	0.33	0.35	0.27	0.72	0.43	0.79	0.50	1.00	0.54	0.80	0.64
DVY	0.73	0.01	0.19	0.35	0.38	0.41	0.47	0.40	0.67	0.39	0.71	0.54	1.00	0.81	0.72
VIG	0.92	0.03	0.18	0.30	0.46	0.49	0.41	0.56	0.64	0.63	0.70	0.80	0.81	1.00	0.76
Portfolio	0.73	0.19	0.61	0.44	0.41	0.49	0.54	0.48	0.55	0.52	0.58	0.64	0.72	0.76	1.00

The correlation results are calculated based on daily price changes starting from Apr 14, 2014

Legacy Wealth

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table