Floating Retirement (my current taxable)
This plan is setup to allow me to retire by 2032. It has a mix of growth and dividends. I'll be using this brokage account to float me (roughly 8-10 years. 2040/2042) to when I can officially collect my retirement accounts.
Currently (9/23/2024), this account mainly holds TSLA (80%), SCHG (5%), SPAXX (10%), and USFR (5%).
In 2030/2032, I'll start selling off my TSLA shares to fund everything else even further. I plan to use the dividends (whatever it may be) to pay some of my bills while working PT (2-3 days per week) just to stay active.
I hope this helps others.
Asset Allocation
| Position | Category/Sector | Weight |
|---|---|---|
BITB Bitwise Bitcoin ETF | Blockchain | 10% |
SCCO Southern Copper Corporation | Basic Materials | 10% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 15% |
SPAXX Fidelity Government Money Market Fund | Money Market | 25% |
TSLA Tesla, Inc. | Consumer Cyclical | 15% |
USFR WisdomTree Bloomberg Floating Rate Treasury Fund | Government Bonds | 25% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Floating Retirement (my current taxable), 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 Quarterly
The earliest data available for this chart is Jan 11, 2024, corresponding to the inception date of BITB
Returns By Period
| Year-To-Date | 1 month | 6 months | 1 year | 5 years (annualized) | 10 years (annualized) | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 25.70% | 3.51% | 14.80% | 37.91% | 14.18% | 11.41% |
| Floating Retirement (my current taxable) | N/A | 8.34% | 16.78% | N/A | N/A | N/A |
| Portfolio components: | ||||||
TSLA Tesla, Inc. | 29.27% | 47.48% | 90.67% | 52.98% | 70.37% | 34.45% |
SCHG Schwab U.S. Large-Cap Growth ETF | 34.22% | 5.03% | 19.72% | 47.39% | 21.10% | 16.82% |
SPAXX Fidelity Government Money Market Fund | 0.86% | 0.00% | 0.00% | 1.27% | 1.43% | 0.78% |
USFR WisdomTree Bloomberg Floating Rate Treasury Fund | 4.69% | 0.41% | 2.46% | 5.30% | 2.50% | 2.39% |
BITB Bitwise Bitcoin ETF | N/A | 21.56% | 26.49% | N/A | N/A | N/A |
SCCO Southern Copper Corporation | 28.75% | -7.82% | -7.62% | 58.71% | 29.08% | 17.65% |
Monthly Returns
The table below presents the monthly returns of Floating Retirement (my current taxable), 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -3.20% | 6.44% | 3.63% | -0.55% | 1.95% | 0.72% | 3.32% | -2.36% | 6.15% | -0.17% | 23.79% |
Expense Ratio
Floating Retirement (my current taxable) has an expense ratio of 0.06%, which is considered low compared to other funds. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of Floating Retirement (my current taxable) is 93, placing it in the top 7% of portfolios on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
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 | |
|---|---|---|---|---|---|
TSLA Tesla, Inc. | 0.74 | 1.49 | 1.18 | 0.68 | 1.95 |
SCHG Schwab U.S. Large-Cap Growth ETF | 2.71 | 3.48 | 1.49 | 3.74 | 14.90 |
SPAXX Fidelity Government Money Market Fund | 2.27 | — | — | — | — |
USFR WisdomTree Bloomberg Floating Rate Treasury Fund | 14.83 | 53.53 | 12.75 | 89.99 | 732.54 |
BITB Bitwise Bitcoin ETF | — | — | — | — | — |
SCCO Southern Copper Corporation | 1.50 | 2.19 | 1.26 | 2.18 | 4.90 |
Not enough dataDividends
Dividend yield
Floating Retirement (my current taxable) provided a 2.81% dividend yield over the last twelve months.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.81% | 2.98% | 1.43% | 0.59% | 0.47% | 1.37% | 1.06% | 0.54% | 0.29% | 0.31% | 0.33% | 0.40% |
| Portfolio components: | ||||||||||||
TSLA Tesla, 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% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.40% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% | 1.09% | 1.07% |
SPAXX Fidelity Government Money Market Fund | 4.93% | 4.68% | 1.30% | 0.01% | 0.26% | 0.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
USFR WisdomTree Bloomberg Floating Rate Treasury Fund | 5.30% | 5.12% | 1.78% | 0.01% | 0.40% | 2.08% | 1.67% | 1.04% | 0.29% | 0.00% | 0.00% | 0.00% |
BITB Bitwise Bitcoin ETF | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SCCO Southern Copper Corporation | 1.95% | 4.67% | 5.81% | 5.21% | 2.32% | 4.82% | 4.56% | 1.25% | 0.57% | 1.31% | 1.64% | 2.37% |
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 Floating Retirement (my current taxable). 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 Floating Retirement (my current taxable) was 9.15%, occurring on Aug 7, 2024. Recovery took 34 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -9.15% | Jul 17, 2024 | 16 | Aug 7, 2024 | 34 | Sep 24, 2024 | 50 |
| -4.61% | Apr 12, 2024 | 7 | Apr 22, 2024 | 5 | Apr 29, 2024 | 12 |
| -3.78% | Jan 12, 2024 | 9 | Jan 25, 2024 | 15 | Feb 15, 2024 | 24 |
| -2.85% | Apr 30, 2024 | 2 | May 1, 2024 | 12 | May 17, 2024 | 14 |
| -2.79% | May 22, 2024 | 14 | Jun 11, 2024 | 14 | Jul 1, 2024 | 28 |
Volatility
Volatility Chart
The current Floating Retirement (my current taxable) volatility is 5.30%, 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
| USFR | SPAXX | SCCO | BITB | TSLA | SCHG | |
|---|---|---|---|---|---|---|
| USFR | 1.00 | 0.04 | 0.01 | 0.04 | 0.01 | -0.02 |
| SPAXX | 0.04 | 1.00 | 0.01 | 0.07 | 0.09 | 0.08 |
| SCCO | 0.01 | 0.01 | 1.00 | 0.18 | 0.25 | 0.37 |
| BITB | 0.04 | 0.07 | 0.18 | 1.00 | 0.28 | 0.29 |
| TSLA | 0.01 | 0.09 | 0.25 | 0.28 | 1.00 | 0.51 |
| SCHG | -0.02 | 0.08 | 0.37 | 0.29 | 0.51 | 1.00 |