2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG

Asset Allocation

Position	Category/Sector	Target Weight
FXAIX Fidelity 500 Index Fund	S&P 500	43.50%
CLF.TO iShares 1-5 Year Laddered Government Bond Index ETF	Canadian Government Bonds	14.60%
FSPSX Fidelity International Index Fund	Foreign Large Cap Equities	10%
WCPNX Weitz Core Plus Income Fund	Intermediate Core-Plus Bond	7.20%
SPAXX Fidelity Government Money Market Fund	Money Market	6.90%
FCNVX Fidelity Conservative Income Bond Institutional Class	Total Bond Market	5%
FFRHX Fidelity Floating Rate High Income Fund	Bank Loan	3.70%
FSRNX Fidelity Real Estate Index Fund	REIT	2.80%
CCRV iShares Commodity Curve Carry Strategy ETF	Commodities	2.50%
FSAHX Fidelity Short Duration High Income Fund	High Yield Bonds	1.90%
FTHRX Fidelity Intermediate Bond Fund	Total Bond Market	1.90%

Benchmark Against

Benchmark

S&P 500 Index

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG, 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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Returns By Period

Position	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.30%	0.09%	8.18%	8.17%	23.42%	19.88%	11.91%	13.45%
Portfolio 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG	-0.04%	-0.44%	4.99%	5.60%	14.29%	13.13%	7.70%	—
Portfolio components:
CCRV iShares Commodity Curve Carry Strategy ETF	—	—	—	—	—	—	—	—
CLF.TO iShares 1-5 Year Laddered Government Bond Index ETF	-0.33%	-1.91%	-1.09%	0.22%	0.58%	2.76%	-1.13%	0.65%
FCNVX Fidelity Conservative Income Bond Institutional Class	0.00%	0.33%	1.50%	1.85%	4.24%	5.03%	3.58%	2.58%
FFRHX Fidelity Floating Rate High Income Fund	-0.11%	0.33%	1.82%	2.24%	5.90%	7.48%	5.42%	4.91%
FSAHX Fidelity Short Duration High Income Fund	-0.33%	0.05%	2.62%	3.15%	8.43%	8.37%	4.38%	4.50%
FSPSX Fidelity International Index Fund	-2.44%	-1.55%	6.61%	9.10%	18.41%	16.03%	8.15%	8.99%
FSRNX Fidelity Real Estate Index Fund	0.69%	0.24%	10.29%	10.53%	11.80%	9.85%	2.65%	4.27%
FTHRX Fidelity Intermediate Bond Fund	-0.39%	-0.46%	-0.24%	0.21%	3.93%	4.40%	0.96%	2.00%
FXAIX Fidelity 500 Index Fund	-2.63%	-0.08%	8.42%	8.48%	24.54%	21.52%	13.40%	15.25%
SPAXX Fidelity Government Money Market Fund	0.00%	0.28%	1.37%	1.67%	3.66%	2.42%	1.45%	—

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

Monthly Returns

Based on dividend-adjusted daily data since May 26, 2021, 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG's average daily return is +0.03%, while the average monthly return is +0.65%. At this rate, an investment would double in approximately 8.9 years.

Historically, 68% of months were positive and 32% were negative. The best month was Nov 2023 with a return of +6.1%, while the worst month was Sep 2022 at -6.6%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +4.8%, while the worst single day was Apr 4, 2025 at -3.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.57%	0.34%	-3.67%	5.87%	2.75%	-1.68%							4.99%
2025	1.95%	0.11%	-2.21%	0.39%	3.35%	3.01%	0.71%	1.76%	1.97%	1.14%	0.34%	0.61%	13.81%
2024	0.47%	2.44%	2.13%	-2.55%	3.06%	1.63%	1.32%	2.18%	1.53%	-1.63%	2.83%	-1.89%	11.92%
2023	4.73%	-2.03%	2.29%	1.05%	-0.65%	4.07%	2.06%	-1.36%	-2.70%	-1.76%	6.10%	3.86%	16.28%
2022	-3.00%	-1.61%	1.82%	-5.17%	0.37%	-5.55%	5.36%	-3.34%	-6.59%	4.40%	4.66%	-2.97%	-11.89%
2021					0.28%	0.70%	1.32%	1.42%	-2.71%	3.98%	-1.38%	3.00%	6.63%

Benchmark Metrics

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG has an annualized alpha of 1.00%, beta of 0.54, and R2 of 0.95 versus S&P 500 Index. Calculated based on daily prices since May 26, 2021.

This portfolio participated in 65.55% of S&P 500 Index downside but only 57.09% of its upside - more exposed to losses than it benefited from rallies.
Beta of 0.54 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: 1.00%

Beta: 0.54

R²: 0.95

Upside Capture: 57.09%

Downside Capture: 65.55%

Expense Ratio

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG has an expense ratio of 0.20%, 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.

Top 10 holdings

WCPNX

Weitz Core Plus Income Fund

FSAHX

Fidelity Short Duration High Income Fund

FFRHX

Fidelity Floating Rate High Income Fund

FTHRX

Fidelity Intermediate Bond Fund

SPAXX

Fidelity Government Money Market Fund

CCRV

iShares Commodity Curve Carry Strategy ETF

FCNVX

Fidelity Conservative Income Bond Institutional Class

CLF.TO

iShares 1-5 Year Laddered Government Bond Index ETF

FSRNX

Fidelity Real Estate Index Fund

FSPSX

Fidelity International Index Fund

Return for Risk

Risk / Return Rank

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG ranks 51 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.

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

The table below presents risk-adjusted performance metrics for 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG and compares them with S&P 500 Index.

	Portfolio	Benchmark	Difference
Sharpe ratioReturn per unit of total volatility	1.99	1.94	+0.05
Sortino ratioReturn per unit of downside risk	2.82	2.63	+0.19
Omega ratioGain probability vs. loss probability	1.38	1.35	+0.03
Calmar ratioReturn relative to maximum drawdown	2.54	2.59	-0.04
Martin ratioReturn relative to average drawdown	12.03	11.84	+0.18
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.

Position	Risk / Return Rank	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
CCRV iShares Commodity Curve Carry Strategy ETF	—	—	—	—	—	—
CLF.TO iShares 1-5 Year Laddered Government Bond Index ETF	11	0.12	0.22	1.02	0.17	0.41
FCNVX Fidelity Conservative Income Bond Institutional Class	99	3.52	23.50	13.78	41.82	153.67
FFRHX Fidelity Floating Rate High Income Fund	91	2.51	5.98	1.89	4.97	17.53
FSAHX Fidelity Short Duration High Income Fund	94	2.84	5.38	1.72	4.75	25.31
FSPSX Fidelity International Index Fund	23	1.25	1.81	1.23	1.65	6.18
FSRNX Fidelity Real Estate Index Fund	15	0.93	1.35	1.17	1.47	4.64
FTHRX Fidelity Intermediate Bond Fund	22	1.26	1.95	1.23	1.68	4.94
FXAIX Fidelity 500 Index Fund	59	2.13	2.87	1.39	2.92	13.57
SPAXX Fidelity Government Money Market Fund	—	3.65	—	—	—	—

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.

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG Sharpe ratios as of Jun 6, 2026 (values are recalculated daily):

1-Year: 1.99
5-Year: 0.81
All Time: 0.83

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 1.63 to 2.51, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG 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

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG provided a 2.44% dividend yield over the last twelve months.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.44%	2.55%	2.63%	2.60%	2.73%	2.20%	1.98%	2.35%	2.56%	2.11%	2.58%	2.49%
Portfolio components:
CCRV iShares Commodity Curve Carry Strategy ETF	0.00%	0.00%	4.43%	7.26%	33.27%	26.22%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CLF.TO iShares 1-5 Year Laddered Government Bond Index ETF	2.25%	2.22%	2.22%	2.23%	2.10%	1.98%	2.15%	2.46%	2.67%	2.91%	3.12%	3.29%
FCNVX Fidelity Conservative Income Bond Institutional Class	4.15%	4.41%	5.17%	4.97%	1.24%	0.24%	0.99%	2.45%	2.21%	1.30%	1.01%	0.48%
FFRHX Fidelity Floating Rate High Income Fund	7.09%	7.41%	6.94%	8.24%	3.81%	2.74%	3.84%	5.15%	4.74%	4.05%	4.44%	3.69%
FSAHX Fidelity Short Duration High Income Fund	7.31%	7.36%	6.08%	5.97%	3.26%	2.85%	3.19%	4.22%	4.52%	4.11%	4.73%	4.40%
FSPSX Fidelity International Index Fund	2.96%	3.15%	3.27%	2.79%	2.66%	3.07%	1.84%	3.18%	2.79%	2.50%	3.08%	2.79%
FSRNX Fidelity Real Estate Index Fund	2.68%	2.77%	2.86%	2.84%	2.66%	1.25%	3.33%	4.52%	3.62%	2.27%	3.40%	2.57%
FTHRX Fidelity Intermediate Bond Fund	3.71%	3.59%	3.49%	2.94%	1.55%	1.53%	4.16%	2.49%	2.48%	2.20%	2.63%	2.13%
FXAIX Fidelity 500 Index Fund	1.06%	1.11%	1.25%	1.45%	1.69%	1.22%	1.60%	2.06%	2.72%	1.97%	2.52%	2.83%
SPAXX Fidelity Government Money Market Fund	3.59%	3.88%	1.53%	0.41%	0.00%	0.00%	0.00%	0.00%	0.00%	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 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG. 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 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG was 17.36%, occurring on Oct 14, 2022. Recovery took 298 trading sessions.

The current 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG drawdown is 0.20%.

Related event	Drawdown	Fall	Recovery	Underwater
Bear market2022	-17.36%Oct 2022	9mo 12d	1y 2mo	1y 11moJan 2022 - Dec 2023
2025 selloff2025	-9.93%Apr 2025	1mo 17d	1mo 8d	2mo 25dFeb 2025 - May 2025
2026 pullback2026	-5.53%Mar 2026	1mo 2d	15d	1mo 17dFeb 2026 - Apr 2026
2024 pullback2024	-4.36%Aug 2024	19d	14d	1mo 3dJul 2024 - Aug 2024
2024 pullback2024	-3.48%Apr 2024	18d	26d	1mo 14dApr 2024 - May 2024

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 11 assets, with an effective number of assets of 4.23, reflecting the diversification based on asset allocation. Your portfolio is dominated by one or two holdings, which significantly increases concentration risk. Consider rebalancing toward more even weights or adding additional positions.

Diversification Ratio

	1Y	3Y	5Y	All Time
Diversification Ratio	1.22	1.24	1.23	1.24

The portfolio has a diversification ratio of 1.24, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG correlation to the S&P 500 Index

2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG has a 0.97 correlation to S&P 500 Index over the trailing 12 months. This section compares each holding's correlation to the benchmark and to the portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.97
Correlation (3Y) Calculated over the trailing 3-year period	0.96
Correlation (5Y) Calculated over the trailing 5-year period	0.97
Correlation (All Time) Calculated using the full available price history since May 26, 2021	0.97

Benchmark Correlations

Correlation vs. S&P 500 Index. FXAIX has the highest benchmark correlation at 1.00, while FCNVX has the lowest at 0.02.

0.02

0.02

0.07

0.11

0.16

0.17

0.33

0.53

0.60

0.74

1.00

Portfolio Correlations

Correlation vs. 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG. FXAIX has the highest portfolio correlation at 0.97, while SPAXX has the lowest at 0.06.

0.06

0.08

0.21

0.21

0.21

0.26

0.38

0.60

0.66

0.82

0.97

Asset Correlations Table

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

	SPAXX	CCRV	CLF.TO	FCNVX	FFRHX	FTHRX	WCPNX	FSRNX	FSPSX	FXAIX	FSAHX
SPAXX	1.00	-0.05	0.04	0.36	0.24	0.18	0.18	0.05	0.01	0.02	0.21
CCRV	-0.05	1.00	-0.02	-0.08	0.17	-0.09	-0.09	0.08	0.22	0.16	0.10
CLF.TO	0.04	-0.02	1.00	0.16	0.15	0.29	0.28	0.12	0.11	0.06	0.22
FCNVX	0.36	-0.08	0.16	1.00	0.26	0.40	0.35	0.07	0.01	0.03	0.33
FFRHX	0.24	0.17	0.15	0.26	1.00	0.12	0.14	0.25	0.32	0.33	0.53
FTHRX	0.18	-0.09	0.29	0.40	0.12	1.00	0.92	0.28	0.21	0.11	0.43
WCPNX	0.18	-0.09	0.28	0.35	0.14	0.92	1.00	0.32	0.24	0.16	0.45
FSRNX	0.05	0.08	0.12	0.07	0.25	0.28	0.32	1.00	0.56	0.60	0.43
FSPSX	0.01	0.22	0.11	0.01	0.32	0.21	0.24	0.56	1.00	0.73	0.54
FXAIX	0.02	0.16	0.06	0.03	0.33	0.11	0.16	0.60	0.73	1.00	0.53
FSAHX	0.21	0.10	0.22	0.33	0.53	0.43	0.45	0.43	0.54	0.53	1.00

The correlation results are calculated based on daily price changes starting from May 26, 2021

Diversification Analysis

Find what 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG is missing

See which holdings overlap, where 2025.07 Rollover IRA with Gov't Ladder holding place of CD's and VIG is concentrated, and which low-correlation assets could fill the gaps.

Analyze Diversification