Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHF Schwab International Equity ETF | Foreign Large Cap Equities | 23.50% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 7.50% |
SCHZ Schwab U.S. Aggregate Bond ETF | Total Bond Market | 14% |
VTI Vanguard Total Stock Market ETF | Large Cap Blend Equities | 55% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 2025 Schwab , 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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The earliest data available for this chart is Jul 14, 2011, corresponding to the inception date of SCHZ
Returns By Period
As of Apr 2, 2026, the 2025 Schwab returned -1.45% Year-To-Date and 11.51% of annualized return in the last 10 years.
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.11% | -3.43% | -3.84% | -1.98% | 16.08% | 16.86% | 10.37% | 12.29% |
Portfolio 2025 Schwab | -0.03% | -2.79% | -1.45% | 0.98% | 18.65% | 16.09% | 9.16% | 11.51% |
| Portfolio components: | ||||||||
VTI Vanguard Total Stock Market ETF | 0.16% | -3.26% | -3.13% | -1.24% | 17.86% | 18.10% | 10.66% | 13.75% |
SCHZ Schwab U.S. Aggregate Bond ETF | 0.26% | -0.98% | 0.38% | 0.92% | 4.48% | 3.53% | 0.27% | 1.65% |
SCHF Schwab International Equity ETF | -0.64% | -2.57% | 3.91% | 9.20% | 29.84% | 16.16% | 8.89% | 9.55% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.03% | -3.86% | -9.70% | -8.38% | 16.03% | 22.25% | 12.77% | 17.00% |
Monthly Returns
Based on dividend-adjusted daily data since Jul 15, 2011, 2025 Schwab 's average daily return is +0.04%, while the average monthly return is +0.90%. At this rate, your investment would double in approximately 6.4 years.
Historically, 69% of months were positive and 31% were negative. The best month was Nov 2020 with a return of +10.7%, while the worst month was Mar 2020 at -11.9%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, 2025 Schwab closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +8.1%, while the worst single day was Mar 12, 2020 at -9.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.14% | 1.15% | -5.42% | 0.85% | -1.45% | ||||||||
| 2025 | 2.95% | -0.45% | -3.75% | 0.68% | 5.14% | 4.28% | 1.15% | 2.51% | 2.98% | 2.13% | 0.33% | 0.64% | 19.89% |
| 2024 | 0.58% | 3.95% | 2.88% | -3.86% | 4.41% | 1.97% | 1.97% | 2.25% | 1.70% | -1.97% | 4.54% | -2.71% | 16.41% |
| 2023 | 7.17% | -2.60% | 3.09% | 1.43% | -0.30% | 5.27% | 2.96% | -2.15% | -4.28% | -2.53% | 8.67% | 5.07% | 22.93% |
| 2022 | -5.11% | -2.46% | 1.86% | -8.17% | 0.23% | -7.43% | 7.68% | -4.24% | -8.70% | 6.01% | 6.68% | -4.47% | -18.31% |
| 2021 | -0.51% | 2.12% | 2.62% | 4.16% | 0.97% | 1.76% | 1.43% | 2.13% | -3.81% | 5.11% | -1.79% | 3.14% | 18.40% |
Benchmark Metrics
2025 Schwab has an annualized alpha of 0.62%, beta of 0.84, and R² of 0.97 versus S&P 500 Index. Calculated based on daily prices since July 15, 2011.
- This portfolio participated in 88.64% of S&P 500 Index downside but only 86.38% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- 0.62%
- Beta
- 0.84
- R²
- 0.97
- Upside Capture
- 86.38%
- Downside Capture
- 88.64%
Expense Ratio
2025 Schwab has an expense ratio of 0.04%, 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.
Return for Risk
Risk / Return Rank
2025 Schwab ranks 52 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.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.88 | +0.31 |
Sortino ratioReturn per unit of downside risk | 1.78 | 1.37 | +0.42 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.21 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.85 | 1.39 | +0.46 |
Martin ratioReturn relative to average drawdown | 8.50 | 6.43 | +2.07 |
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 | |
|---|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 54 | 0.94 | 1.47 | 1.22 | 1.53 | 7.16 |
SCHZ Schwab U.S. Aggregate Bond ETF | 51 | 1.05 | 1.49 | 1.19 | 1.73 | 4.91 |
SCHF Schwab International Equity ETF | 82 | 1.69 | 2.32 | 1.34 | 2.63 | 10.00 |
SCHG Schwab U.S. Large-Cap Growth ETF | 35 | 0.72 | 1.19 | 1.17 | 1.04 | 3.47 |
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Dividends
Dividend yield
2025 Schwab provided a 2.02% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.02% | 2.01% | 2.05% | 1.98% | 1.98% | 1.75% | 1.65% | 2.12% | 2.30% | 1.90% | 2.05% | 2.01% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.16% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
SCHZ Schwab U.S. Aggregate Bond ETF | 4.09% | 4.05% | 3.96% | 3.28% | 2.63% | 2.16% | 2.43% | 2.79% | 2.56% | 2.40% | 2.24% | 2.11% |
SCHF Schwab International Equity ETF | 3.29% | 3.42% | 3.26% | 2.97% | 2.80% | 3.19% | 2.08% | 2.95% | 3.06% | 2.35% | 2.58% | 2.26% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.43% | 0.36% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% |
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 Schwab . 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 Schwab was 30.01%, occurring on Mar 23, 2020. Recovery took 94 trading sessions.
The current 2025 Schwab drawdown is 5.15%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.01% | Feb 20, 2020 | 23 | Mar 23, 2020 | 94 | Aug 5, 2020 | 117 |
| -25.22% | Nov 9, 2021 | 235 | Oct 14, 2022 | 301 | Dec 27, 2023 | 536 |
| -17.52% | Jul 25, 2011 | 50 | Oct 3, 2011 | 95 | Feb 17, 2012 | 145 |
| -16.3% | Sep 21, 2018 | 65 | Dec 24, 2018 | 75 | Apr 12, 2019 | 140 |
| -14.95% | Feb 19, 2025 | 35 | Apr 8, 2025 | 37 | Jun 2, 2025 | 72 |
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 4 assets, with an effective number of assets of 2.61, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| Benchmark | SCHZ | SCHF | SCHG | VTI | Portfolio | |
|---|---|---|---|---|---|---|
| Benchmark | 1.00 | -0.07 | 0.82 | 0.95 | 0.99 | 0.98 |
| SCHZ | -0.07 | 1.00 | -0.02 | -0.04 | -0.06 | -0.01 |
| SCHF | 0.82 | -0.02 | 1.00 | 0.74 | 0.82 | 0.90 |
| SCHG | 0.95 | -0.04 | 0.74 | 1.00 | 0.94 | 0.93 |
| VTI | 0.99 | -0.06 | 0.82 | 0.94 | 1.00 | 0.98 |
| Portfolio | 0.98 | -0.01 | 0.90 | 0.93 | 0.98 | 1.00 |