Asset Allocation
Find the right asset allocation for Current Retirement Portfolio
Add portfolio to the optimizer to find optimal allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in Current Retirement Portfolio, 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 | 0.50% | 0.31% | 8.56% | 8.85% | 24.33% | 19.37% | 11.84% | 13.61% |
Portfolio Current Retirement Portfolio | 0.18% | -0.66% | 8.63% | 9.02% | 25.81% | 22.91% | 14.33% | — |
| Portfolio components: | ||||||||
AVUV Avantis US Small Cap Value ETF | 0.96% | 6.47% | 22.73% | 19.51% | 42.12% | 19.24% | 11.57% | — |
CASH Meta Financial Group, Inc. | 1.52% | 5.41% | 18.69% | 13.22% | 13.46% | 19.00% | 10.61% | 17.80% |
FBGRX Fidelity Blue Chip Growth Fund | 2.59% | 0.76% | 13.86% | 15.39% | 38.88% | 30.04% | 15.33% | 21.66% |
FDCAX Fidelity Capital Appreciation Fund | 2.48% | -0.36% | 12.98% | 13.62% | 30.13% | 23.12% | 13.28% | 16.34% |
FGRIX Fidelity Growth & Income Portfolio | 1.54% | 1.53% | 7.27% | 7.90% | 22.69% | 20.30% | 13.41% | 14.51% |
FSPSX Fidelity International Index Fund | 3.02% | 2.65% | 8.93% | 10.59% | 21.61% | 16.68% | 8.55% | 9.81% |
FSPTX Fidelity Select Technology Portfolio | 3.68% | 5.59% | 37.30% | 38.47% | 69.56% | 39.06% | 22.72% | 27.36% |
FSSNX Fidelity Small Cap Index Fund | 3.04% | 4.69% | 18.33% | 15.24% | 40.92% | 17.71% | 6.13% | 11.30% |
FXAIX Fidelity 500 Index Fund | 1.76% | -0.09% | 8.59% | 8.94% | 25.18% | 21.06% | 13.34% | 15.44% |
NVDA NVIDIA Corporation | 0.16% | -8.83% | 10.16% | 17.38% | 44.72% | 71.13% | 63.13% | 67.95% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 26, 2019, Current Retirement Portfolio's average daily return is +0.08%, while the average monthly return is +1.55%. At this rate, an investment would double in approximately 3.8 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2020 with a return of +13.2%, while the worst month was Mar 2020 at -12.9%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Current Retirement Portfolio closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +10.3%, while the worst single day was Mar 16, 2020 at -12.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.46% | -1.67% | -4.95% | 11.63% | 5.75% | -2.95% | 8.63% | ||||||
| 2025 | 2.37% | -2.02% | -6.61% | 0.94% | 7.72% | 5.56% | 2.60% | 2.05% | 3.65% | 2.66% | -0.60% | 0.19% | 19.29% |
| 2024 | 1.74% | 6.18% | 2.74% | -4.10% | 6.10% | 4.40% | 0.97% | 1.91% | 1.82% | -0.63% | 6.52% | -1.77% | 28.43% |
| 2023 | 9.46% | -1.27% | 4.66% | 1.25% | 2.72% | 6.95% | 3.96% | -1.66% | -5.28% | -2.38% | 10.36% | 5.17% | 38.03% |
| 2022 | -7.13% | -3.39% | 3.27% | -11.08% | -0.82% | -8.88% | 10.54% | -4.75% | -9.92% | 7.03% | 6.14% | -6.74% | -25.19% |
| 2021 | -0.37% | 2.89% | 2.96% | 5.86% | 0.46% | 3.82% | 1.98% | 3.33% | -4.37% | 7.34% | 0.34% | 2.53% | 29.66% |
Benchmark Metrics
Current Retirement Portfolio has an annualized alpha of 2.81%, beta of 1.08, and R2 of 0.98 versus S&P 500 Index. Calculated based on daily prices since September 26, 2019.
- This portfolio captured 115.58% of S&P 500 Index gains and 100.83% of its losses - amplifying both gains and losses, but participating more in upside than downside.
- This portfolio generated an annualized alpha of 2.81% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
- With beta of 1.08 and R2 of 0.98, 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
- 2.81%
- Beta
- 1.08
- R²
- 0.98
- Upside Capture
- 115.58%
- Downside Capture
- 100.83%
Expense Ratio
Current Retirement Portfolio has an expense ratio of 0.06%, 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
Return for Risk
Risk / Return Rank
Current Retirement Portfolio ranks 33 for risk / return — below 33% of Portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for Current Retirement Portfolio and compares them with S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 1.70 | 1.86 | -0.16 |
| Sortino ratioReturn per unit of downside risk | 2.32 | 2.53 | -0.21 |
| Omega ratioGain probability vs. loss probability | 1.30 | 1.34 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.31 | 2.53 | -0.22 |
| Martin ratioReturn relative to average drawdown | 9.82 | 11.37 | -1.55 |
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 |
|---|---|---|---|---|---|---|
AVUV Avantis US Small Cap Value ETF | 82 | 2.28 | 3.24 | 1.39 | 5.06 | 15.09 |
CASH Meta Financial Group, Inc. | 53 | 0.39 | 0.71 | 1.10 | 0.51 | 1.01 |
FBGRX Fidelity Blue Chip Growth Fund | 67 | 2.05 | 2.66 | 1.35 | 2.95 | 12.23 |
FDCAX Fidelity Capital Appreciation Fund | 56 | 1.87 | 2.47 | 1.33 | 2.60 | 10.88 |
FGRIX Fidelity Growth & Income Portfolio | 61 | 1.98 | 2.78 | 1.36 | 2.59 | 10.80 |
FSPSX Fidelity International Index Fund | 31 | 1.37 | 1.97 | 1.25 | 1.84 | 6.85 |
FSPTX Fidelity Select Technology Portfolio | 89 | 2.93 | 3.44 | 1.47 | 4.96 | 16.37 |
FSSNX Fidelity Small Cap Index Fund | 65 | 1.93 | 2.68 | 1.32 | 3.46 | 12.23 |
FXAIX Fidelity 500 Index Fund | 65 | 1.97 | 2.67 | 1.36 | 2.74 | 12.46 |
NVDA NVIDIA Corporation | 74 | 1.20 | 1.75 | 1.21 | 2.07 | 4.94 |
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Dividends
Dividend yield
Current Retirement Portfolio provided a 0.97% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 0.97% | 1.03% | 1.14% | 1.13% | 1.27% | 1.16% | 1.18% | 1.48% | 1.83% | 1.47% | 1.71% | 1.76% |
| Portfolio components: | ||||||||||||
AVUV Avantis US Small Cap Value ETF | 1.61% | 1.58% | 1.61% | 1.65% | 1.74% | 1.28% | 1.21% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% |
CASH Meta Financial Group, Inc. | 0.24% | 0.28% | 0.27% | 0.38% | 0.46% | 0.34% | 0.55% | 0.55% | 0.96% | 0.56% | 0.51% | 1.13% |
FBGRX Fidelity Blue Chip Growth Fund | 1.67% | 1.90% | 5.95% | 0.93% | 0.57% | 8.73% | 6.40% | 3.70% | 6.32% | 4.23% | 4.05% | 5.30% |
FDCAX Fidelity Capital Appreciation Fund | 7.05% | 7.96% | 18.33% | 3.33% | 9.32% | 16.76% | 8.38% | 13.50% | 13.29% | 10.43% | 5.62% | 12.38% |
FGRIX Fidelity Growth & Income Portfolio | 9.13% | 9.78% | 6.80% | 3.93% | 3.43% | 6.02% | 3.61% | 2.85% | 3.39% | 1.52% | 1.80% | 2.08% |
FSPSX Fidelity International Index Fund | 2.89% | 3.15% | 3.27% | 2.79% | 2.66% | 3.07% | 1.84% | 3.18% | 2.79% | 2.50% | 3.08% | 2.79% |
FSPTX Fidelity Select Technology Portfolio | 7.91% | 9.06% | 9.42% | 0.01% | 3.95% | 11.62% | 18.86% | 1.86% | 23.77% | 8.32% | 1.54% | 4.19% |
FSSNX Fidelity Small Cap Index Fund | 0.92% | 1.08% | 1.04% | 1.43% | 1.26% | 3.92% | 0.94% | 2.96% | 4.94% | 3.37% | 2.27% | 2.66% |
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% |
NVDA NVIDIA Corporation | 0.14% | 0.02% | 0.03% | 0.03% | 0.11% | 0.05% | 0.12% | 0.27% | 0.46% | 0.29% | 0.45% | 1.20% |
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 Current Retirement Portfolio. 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 Current Retirement Portfolio was 33.83%, occurring on Mar 23, 2020. Recovery took 82 trading sessions.
The current Current Retirement Portfolio drawdown is 3.48%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -33.83%Mar 2020 | 1mo 2d | 3mo 29d | 5mo 1dFeb 2020 - Jul 2020 |
Bear market2022 | -30.48%Oct 2022 | 9mo 20d | 1y 2mo | 1y 11moDec 2021 - Dec 2023 |
2025 selloff2025 | -20.52%Apr 2025 | 1mo 18d | 2mo 17d | 4mo 5dFeb 2025 - Jun 2025 |
2026 correction2026 | -10.50%Mar 2026 | 2mo 1d | 16d | 2mo 17dJan 2026 - Apr 2026 |
2024 correction2024 | -10.14%Aug 2024 | 19d | 1mo 20d | 2mo 9dJul 2024 - Sep 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 15 assets, with an effective number of assets of 5.55, 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 | 1.11 | 1.09 | 1.08 | 1.08 |
The portfolio has a diversification ratio of 1.08, placing it in the bottom quartile across portfolios — positions are highly correlated. Consider adding assets from different classes or sectors to reduce risk.
Current Retirement Portfolio correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Sep 26, 2019 | 0.98 |
Benchmark Correlations
Correlation vs. S&P 500 Index. VFIAX has the highest benchmark correlation at 1.00, while CASH has the lowest at 0.51.
Asset Correlations Table
Find what Current Retirement Portfolio is missing
See which holdings overlap, where Current Retirement Portfolio is concentrated, and which low-correlation assets could fill the gaps.
Analyze Diversification