2025 *Retire July 16

Asset Allocation

Position	Category/Sector	Target Weight
AMZN Amazon.com, Inc	Consumer Cyclical	4%
ARGT Global X MSCI Argentina ETF	Latin America Equities	1%
AVGO Broadcom Inc.	Technology	3%
BND Vanguard Total Bond Market ETF	Total Bond Market	10.33%
BRK-B Berkshire Hathaway Inc.	Financial Services	5%
DAX Global X DAX Germany ETF	Europe Equities	2%
GLD SPDR Gold Shares	Gold, Precious Metals	7%
GOOGL Alphabet Inc Class A	Communication Services	5%
META Meta Platforms, Inc.	Communication Services	4%
MSFT Microsoft Corporation	Technology	5%
NVDA NVIDIA Corporation	Technology	4%
ORCL Oracle Corporation	Technology	3%
QQQ Invesco QQQ ETF	Large Cap Growth Equities	3%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	10.33%
VIG Vanguard Dividend Appreciation ETF	Dividend	8%
VOOG Vanguard S&P 500 Growth ETF	S&P 500, Large Cap Growth Equities	3%
VYM Vanguard High Dividend Yield ETF	Dividend	12.34%
XLU Utilities Select Sector SPDR Fund	Utilities Equities	5%
XLV State Street Health Care Select Sector SPDR ETF	Health & Biotech Equities	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 **2025 *Retire July 16**, 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 year.

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The earliest data available for this chart is Oct 23, 2014, corresponding to the inception date of DAX

Returns By Period

As of Apr 4, 2026, the 2025 *Retire July 16 returned -1.71% Year-To-Date and 18.24% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-3.63%	-3.84%	-1.98%	29.73%	16.86%	10.37%	12.29%
Portfolio 2025 *Retire July 16	-0.06%	-3.56%	-1.71%	0.01%	29.29%	24.43%	17.31%	18.24%
Portfolio components:
VYM Vanguard High Dividend Yield ETF	0.11%	-2.03%	3.80%	5.95%	29.77%	14.92%	11.04%	11.27%
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-1.41%	12.35%	13.59%	25.56%	11.70%	8.35%	12.30%
VIG Vanguard Dividend Appreciation ETF	0.16%	-2.95%	-1.33%	-0.02%	23.99%	13.72%	9.86%	12.36%
BND Vanguard Total Bond Market ETF	0.22%	-0.69%	0.31%	0.97%	3.65%	3.53%	0.30%	1.70%
XLU Utilities Select Sector SPDR Fund	0.50%	-0.50%	9.31%	5.76%	27.89%	14.75%	11.01%	9.89%
XLV State Street Health Care Select Sector SPDR ETF	-0.62%	-4.22%	-4.77%	2.22%	10.46%	5.64%	6.45%	9.60%
BRK-B Berkshire Hathaway Inc.	-0.24%	-4.61%	-5.03%	-4.29%	-3.28%	15.44%	13.08%	12.79%
MSFT Microsoft Corporation	1.11%	-9.06%	-22.60%	-27.51%	4.58%	10.00%	9.94%	22.58%
GOOGL Alphabet Inc Class A	-0.54%	-1.63%	-5.44%	20.71%	103.84%	41.91%	22.87%	22.80%
AMZN Amazon.com, Inc	-0.38%	-4.19%	-9.12%	-4.44%	22.67%	27.00%	5.83%	21.61%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 24, 2014, 2025 *Retire July 16's average daily return is +0.07%, while the average monthly return is +1.43%. At this rate, your investment would double in approximately 4.1 years.

Historically, 71% of months were positive and 29% were negative. The best month was Apr 2020 with a return of +10.8%, while the worst month was Apr 2022 at -8.4%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 3 months.

On a daily basis, 2025 *Retire July 16 closed higher 56% of trading days. The best single day was Mar 13, 2020 with a return of +7.6%, while the worst single day was Mar 16, 2020 at -9.2%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	2.33%	0.46%	-4.82%	0.45%									-1.71%
2025	3.35%	-0.50%	-3.38%	-0.38%	5.18%	4.88%	2.66%	1.57%	4.09%	1.96%	1.40%	-0.97%	21.32%
2024	2.72%	5.17%	4.59%	-3.25%	5.35%	3.74%	1.18%	2.47%	3.01%	0.01%	3.55%	-0.81%	31.08%
2023	6.64%	-1.36%	6.43%	2.44%	4.54%	5.16%	4.11%	-0.54%	-5.11%	-1.13%	8.29%	4.50%	38.57%
2022	-4.56%	-2.20%	4.00%	-8.37%	0.68%	-7.21%	6.20%	-4.03%	-8.17%	5.39%	7.25%	-3.21%	-14.91%
2021	-0.85%	1.63%	4.24%	5.16%	1.96%	1.60%	2.49%	3.61%	-4.84%	6.47%	0.40%	3.67%	28.13%

Benchmark Metrics

2025 *Retire July 16 has an annualized alpha of 7.87%, beta of 0.82, and R² of 0.93 versus S&P 500 Index. Calculated based on daily prices since October 24, 2014.

This portfolio captured 104.35% of S&P 500 Index gains but only 72.81% of its losses — a favorable profile for investors.
This portfolio generated an annualized alpha of 7.87% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.

Alpha: 7.87%

Beta: 0.82

R²: 0.93

Upside Capture: 104.35%

Downside Capture: 72.81%

Expense Ratio

**2025 *Retire July 16 has an expense ratio of 0.07%**, 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

ARGT

Global X MSCI Argentina ETF

GLD

SPDR Gold Shares

DAX

Global X DAX Germany ETF

QQQ

Invesco QQQ ETF

XLU

Utilities Select Sector SPDR Fund

XLV

State Street Health Care Select Sector SPDR ETF

VOOG

Vanguard S&P 500 Growth ETF

SCHD

Schwab U.S. Dividend Equity ETF

VYM

Vanguard High Dividend Yield ETF

VIG

Vanguard Dividend Appreciation ETF

Return for Risk

Risk / Return Rank

2025 *Retire July 16 ranks 62 for risk / return — better than 62% of portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

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	1.33	0.88	+0.45
Sortino ratio Return per unit of downside risk	2.01	1.37	+0.64
Omega ratio Gain probability vs. loss probability	1.29	1.21	+0.09
Calmar ratio Return relative to maximum drawdown	2.14	1.39	+0.75
Martin ratio Return relative to average drawdown	9.56	6.43	+3.12
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
VYM Vanguard High Dividend Yield ETF	58	1.15	1.65	1.25	1.59	6.96
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
VIG Vanguard Dividend Appreciation ETF	42	0.84	1.28	1.19	1.24	5.41
BND Vanguard Total Bond Market ETF	47	1.00	1.42	1.18	1.71	4.64
XLU Utilities Select Sector SPDR Fund	61	1.27	1.73	1.24	2.24	5.38
XLV State Street Health Care Select Sector SPDR ETF	15	0.20	0.40	1.05	0.39	0.83
BRK-B Berkshire Hathaway Inc.	15	-0.62	-0.73	0.90	-0.70	-1.19
MSFT Microsoft Corporation	34	-0.06	0.11	1.01	-0.05	-0.12
GOOGL Alphabet Inc Class A	94	2.91	3.87	1.48	4.37	16.63
AMZN Amazon.com, Inc	46	0.20	0.55	1.07	0.42	1.00

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 *Retire July 16 Sharpe ratios as of Apr 4, 2026** (values are recalculated daily):

1-Year: 1.33
5-Year: 1.19
10-Year: 1.19
All Time: 1.19

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 0.99 to 1.69, 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 *Retire July 16** 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 *Retire July 16 provided a 1.61%** dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.61%	1.62%	1.68%	1.71%	1.69%	1.41%	1.60%	1.71%	1.83%	1.58%	1.68%	1.77%
Portfolio components:
VYM Vanguard High Dividend Yield ETF	2.37%	2.44%	2.74%	3.12%	3.01%	2.76%	3.18%	3.03%	3.40%	2.80%	2.91%	3.22%
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
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%
BND Vanguard Total Bond Market ETF	3.92%	3.86%	3.67%	3.09%	2.60%	2.12%	2.38%	2.72%	2.81%	2.54%	2.51%	2.57%
XLU Utilities Select Sector SPDR Fund	2.57%	2.71%	2.96%	3.39%	2.92%	2.79%	3.14%	2.95%	3.33%	3.33%	3.41%	3.67%
XLV State Street Health Care Select Sector SPDR ETF	1.71%	1.60%	1.67%	1.59%	1.47%	1.33%	1.49%	2.17%	1.57%	1.47%	1.60%	1.43%
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%
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%
GOOGL Alphabet Inc Class A	0.28%	0.27%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AMZN Amazon.com, 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%

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 *Retire July 16**. 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 *Retire July 16 was 25.91%, occurring on Mar 23, 2020**. Recovery took 72 trading sessions.

The current 2025 *Retire July 16 drawdown is 4.98%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-25.91%	Feb 20, 2020	23	Mar 23, 2020	72	Jul 6, 2020	95
-23.03%	Dec 28, 2021	200	Oct 12, 2022	155	May 25, 2023	355
-15.97%	Oct 2, 2018	58	Dec 24, 2018	67	Apr 2, 2019	125
-13.52%	Feb 20, 2025	34	Apr 8, 2025	39	Jun 4, 2025	73
-9.32%	Aug 18, 2015	6	Aug 25, 2015	37	Oct 16, 2015	43

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 19 assets, with an effective number of assets of 14.44, 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	BND	GLD	XLU	ARGT	ORCL	BRK-B	META	NVDA	AVGO	AMZN	DAX	XLV	GOOGL	MSFT	SCHD	VYM	VIG	QQQ	VOOG	Portfolio
Benchmark	1.00	-0.01	0.02	0.39	0.57	0.62	0.65	0.61	0.63	0.65	0.64	0.66	0.69	0.68	0.74	0.80	0.85	0.92	0.91	0.95	0.94
BND	-0.01	1.00	0.35	0.25	0.03	-0.01	-0.11	0.01	-0.00	-0.02	0.03	0.04	0.04	0.01	0.02	-0.03	-0.04	0.02	0.02	0.02	0.08
GLD	0.02	0.35	1.00	0.15	0.14	0.02	-0.06	0.02	0.00	0.01	0.00	0.12	0.03	0.03	-0.00	0.02	0.03	0.02	0.02	0.02	0.12
XLU	0.39	0.25	0.15	1.00	0.19	0.24	0.36	0.15	0.11	0.15	0.15	0.26	0.40	0.21	0.24	0.46	0.50	0.49	0.26	0.32	0.40
ARGT	0.57	0.03	0.14	0.19	1.00	0.37	0.36	0.37	0.41	0.39	0.41	0.49	0.36	0.40	0.41	0.46	0.51	0.51	0.53	0.55	0.56
ORCL	0.62	-0.01	0.02	0.24	0.37	1.00	0.41	0.41	0.44	0.46	0.41	0.42	0.43	0.44	0.55	0.49	0.52	0.58	0.59	0.62	0.65
BRK-B	0.65	-0.11	-0.06	0.36	0.36	0.41	1.00	0.29	0.28	0.32	0.30	0.49	0.55	0.37	0.40	0.72	0.75	0.70	0.46	0.52	0.58
META	0.61	0.01	0.02	0.15	0.37	0.41	0.29	1.00	0.51	0.48	0.61	0.41	0.38	0.63	0.58	0.35	0.38	0.47	0.70	0.67	0.67
NVDA	0.63	-0.00	0.00	0.11	0.41	0.44	0.28	0.51	1.00	0.61	0.53	0.41	0.34	0.51	0.59	0.38	0.40	0.49	0.73	0.70	0.71
AVGO	0.65	-0.02	0.01	0.15	0.39	0.46	0.32	0.48	0.61	1.00	0.47	0.45	0.38	0.48	0.55	0.45	0.50	0.56	0.71	0.69	0.69
AMZN	0.64	0.03	0.00	0.15	0.41	0.41	0.30	0.61	0.53	0.47	1.00	0.41	0.36	0.66	0.64	0.36	0.39	0.49	0.75	0.71	0.69
DAX	0.66	0.04	0.12	0.26	0.49	0.42	0.49	0.41	0.41	0.45	0.41	1.00	0.49	0.45	0.46	0.59	0.62	0.63	0.59	0.61	0.65
XLV	0.69	0.04	0.03	0.40	0.36	0.43	0.55	0.38	0.34	0.38	0.36	0.49	1.00	0.44	0.47	0.68	0.70	0.74	0.58	0.63	0.65
GOOGL	0.68	0.01	0.03	0.21	0.40	0.44	0.37	0.63	0.51	0.48	0.66	0.45	0.44	1.00	0.65	0.44	0.46	0.55	0.76	0.74	0.73
MSFT	0.74	0.02	-0.00	0.24	0.41	0.55	0.40	0.58	0.59	0.55	0.64	0.46	0.47	0.65	1.00	0.48	0.50	0.63	0.81	0.80	0.78
SCHD	0.80	-0.03	0.02	0.46	0.46	0.49	0.72	0.35	0.38	0.45	0.36	0.59	0.68	0.44	0.48	1.00	0.95	0.88	0.61	0.65	0.73
VYM	0.85	-0.04	0.03	0.50	0.51	0.52	0.75	0.38	0.40	0.50	0.39	0.62	0.70	0.46	0.50	0.95	1.00	0.91	0.64	0.70	0.77
VIG	0.92	0.02	0.02	0.49	0.51	0.58	0.70	0.47	0.49	0.56	0.49	0.63	0.74	0.55	0.63	0.88	0.91	1.00	0.76	0.82	0.86
QQQ	0.91	0.02	0.02	0.26	0.53	0.59	0.46	0.70	0.73	0.71	0.75	0.59	0.58	0.76	0.81	0.61	0.64	0.76	1.00	0.97	0.93
VOOG	0.95	0.02	0.02	0.32	0.55	0.62	0.52	0.67	0.70	0.69	0.71	0.61	0.63	0.74	0.80	0.65	0.70	0.82	0.97	1.00	0.94
Portfolio	0.94	0.08	0.12	0.40	0.56	0.65	0.58	0.67	0.71	0.69	0.69	0.65	0.65	0.73	0.78	0.73	0.77	0.86	0.93	0.94	1.00

The correlation results are calculated based on daily price changes starting from Oct 24, 2014

2025 *Retire July 16

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Top 10 holdings

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