The Conservative AJS 2024
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 33% |
FNILX Fidelity ZERO Large Cap Index Fund | Large Cap Blend Equities | 28% |
FZILX Fidelity ZERO International Index Fund | Large Cap Blend Equities, Foreign Large Cap Equities | 2% |
SPAXX Fidelity Government Money Market Fund | Money Market | 37% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in The Conservative AJS 2024, 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.
The earliest data available for this chart is Sep 26, 2018, corresponding to the inception date of FNILX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -6.92% | -9.92% | 5.42% | 12.98% | 9.70% |
| The Conservative AJS 2024 | -3.64% | -3.20% | -3.50% | 6.14% | 5.33% | N/A |
| Portfolio components: | ||||||
FNILX Fidelity ZERO Large Cap Index Fund | -10.04% | -6.88% | -9.26% | 7.03% | 14.45% | N/A |
FZILX Fidelity ZERO International Index Fund | 4.77% | -4.81% | -1.65% | 9.75% | 9.91% | N/A |
SPAXX Fidelity Government Money Market Fund | 0.65% | 0.00% | 1.76% | 4.32% | 2.30% | 1.28% |
BND Vanguard Total Bond Market ETF | 1.99% | -0.63% | 0.27% | 6.64% | -0.97% | 1.32% |
Monthly Returns
The table below presents the monthly returns of The Conservative AJS 2024, 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 | 1.72% | -0.11% | -2.57% | -2.67% | -3.64% | ||||||||
| 2024 | 0.87% | 1.94% | 1.56% | -2.11% | 2.62% | 1.75% | 1.39% | 1.47% | 1.54% | -0.93% | 2.95% | -1.35% | 12.19% |
| 2023 | 3.63% | -1.60% | 2.26% | 0.71% | 0.12% | 2.56% | 1.45% | -0.76% | -2.55% | -1.03% | 5.06% | 2.85% | 13.14% |
| 2022 | -2.82% | -1.56% | 0.49% | -4.74% | 0.21% | -3.63% | 3.99% | -2.27% | -4.65% | 2.47% | 3.34% | -2.40% | -11.42% |
| 2021 | -0.65% | 0.34% | 0.84% | 2.20% | 0.28% | 1.27% | 1.20% | 1.07% | -2.14% | 2.62% | -0.39% | 1.41% | 8.25% |
| 2020 | 0.67% | -1.90% | -4.15% | 4.41% | 1.73% | 0.94% | 2.24% | 2.00% | -1.29% | -1.07% | 4.07% | 1.44% | 9.11% |
| 2019 | 2.56% | 0.85% | 1.19% | 1.15% | -1.24% | 2.47% | 0.51% | 0.51% | 0.41% | 0.83% | 1.08% | 0.97% | 11.83% |
| 2018 | 0.07% | -2.37% | 0.75% | -1.92% | -3.46% |
Expense Ratio
The Conservative AJS 2024 has an expense ratio of 0.01%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 85, The Conservative AJS 2024 is among the top 15% 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.
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 | |
|---|---|---|---|---|---|
FNILX Fidelity ZERO Large Cap Index Fund | 0.42 | 0.71 | 1.10 | 0.42 | 1.86 |
FZILX Fidelity ZERO International Index Fund | 0.63 | 0.97 | 1.13 | 0.75 | 2.34 |
SPAXX Fidelity Government Money Market Fund | 3.22 | — | — | — | — |
BND Vanguard Total Bond Market ETF | 1.24 | 1.81 | 1.22 | 0.48 | 3.19 |
Dividends
Dividend yield
The Conservative AJS 2024 provided a 3.31% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.31% | 3.36% | 3.18% | 1.82% | 0.97% | 1.20% | 1.64% | 1.06% | 0.84% | 0.83% | 0.85% | 0.92% |
| Portfolio components: | ||||||||||||
FNILX Fidelity ZERO Large Cap Index Fund | 1.21% | 1.09% | 1.34% | 1.53% | 0.95% | 1.20% | 1.17% | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% |
FZILX Fidelity ZERO International Index Fund | 2.86% | 3.00% | 2.98% | 2.71% | 2.61% | 1.64% | 2.83% | 0.66% | 0.00% | 0.00% | 0.00% | 0.00% |
SPAXX Fidelity Government Money Market Fund | 4.56% | 4.81% | 4.68% | 1.30% | 0.01% | 0.26% | 0.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
BND Vanguard Total Bond Market ETF | 3.72% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
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 The Conservative AJS 2024. 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 The Conservative AJS 2024 was 14.96%, occurring on Oct 14, 2022. Recovery took 305 trading sessions.
The current The Conservative AJS 2024 drawdown is 3.82%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -14.96% | Dec 28, 2021 | 204 | Oct 14, 2022 | 305 | Dec 27, 2023 | 509 |
| -11.49% | Feb 20, 2020 | 22 | Mar 20, 2020 | 74 | Jul 6, 2020 | 96 |
| -8.59% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -5.35% | Oct 3, 2018 | 57 | Dec 24, 2018 | 53 | Mar 13, 2019 | 110 |
| -3.31% | Sep 3, 2020 | 14 | Sep 23, 2020 | 38 | Nov 16, 2020 | 52 |
Volatility
Volatility Chart
The current The Conservative AJS 2024 volatility is 5.85%, 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
| SPAXX | BND | FNILX | FZILX | |
|---|---|---|---|---|
| SPAXX | 1.00 | 0.02 | -0.04 | -0.05 |
| BND | 0.02 | 1.00 | 0.06 | 0.08 |
| FNILX | -0.04 | 0.06 | 1.00 | 0.78 |
| FZILX | -0.05 | 0.08 | 0.78 | 1.00 |