TFSA - 2025
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BRK-B Berkshire Hathaway Inc. | Financial Services | 20% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | Precious Metals, Gold | 20% |
MA Mastercard Inc | Financial Services | 20% |
QQQ Invesco QQQ | Large Cap Blend Equities | 20% |
WMT Walmart Inc. | Consumer Defensive | 20% |
Performance
Performance Chart
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The earliest data available for this chart is May 28, 2009, corresponding to the inception date of CGL.TO
Returns By Period
As of May 25, 2025, the TFSA - 2025 returned 11.93% Year-To-Date and 16.26% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -1.34% | 5.80% | -2.79% | 9.39% | 14.45% | 10.68% |
| TFSA - 2025 | 11.93% | 2.12% | 10.16% | 31.04% | 18.71% | 16.26% |
| Portfolio components: | ||||||
BRK-B Berkshire Hathaway Inc. | 11.07% | -5.30% | 5.64% | 23.58% | 23.54% | 13.36% |
WMT Walmart Inc. | 7.18% | 0.76% | 7.31% | 48.87% | 20.08% | 16.69% |
MA Mastercard Inc | 7.36% | 5.25% | 8.54% | 25.65% | 14.47% | 20.62% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 32.70% | 1.33% | 24.79% | 40.33% | 12.98% | 8.48% |
QQQ Invesco QQQ | -0.24% | 8.96% | 0.99% | 11.88% | 18.00% | 17.56% |
Monthly Returns
The table below presents the monthly returns of TFSA - 2025, 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 5.08% | 2.72% | -1.78% | 4.25% | 1.27% | 11.93% | |||||||
| 2024 | 3.38% | 4.76% | 3.41% | -3.32% | 4.74% | 1.20% | 3.41% | 6.24% | 2.06% | 0.24% | 5.59% | -2.48% | 32.85% |
| 2023 | 5.33% | -3.11% | 5.34% | 2.92% | -0.46% | 5.44% | 2.38% | 0.73% | -3.72% | -0.41% | 5.15% | 2.66% | 23.98% |
| 2022 | -0.39% | -1.07% | 5.44% | -4.55% | -4.79% | -8.55% | 8.25% | -4.90% | -7.53% | 7.90% | 7.83% | -3.72% | -7.92% |
| 2021 | -3.68% | 0.53% | 2.84% | 5.95% | 2.09% | -1.69% | 2.38% | -0.12% | -4.00% | 4.11% | -3.38% | 5.93% | 10.77% |
| 2020 | 1.41% | -6.00% | -7.03% | 9.30% | 4.39% | 0.42% | 8.27% | 9.58% | -3.83% | -4.82% | 9.35% | 2.98% | 24.19% |
| 2019 | 6.35% | 2.09% | 0.99% | 5.08% | -3.69% | 8.01% | 0.34% | 2.28% | 0.05% | 2.08% | 2.18% | 2.98% | 32.17% |
| 2018 | 8.32% | -4.33% | -1.77% | -0.33% | 0.66% | 0.21% | 2.43% | 5.17% | 0.91% | -3.45% | 0.82% | -4.47% | 3.44% |
| 2017 | 2.82% | 3.95% | 0.46% | 1.90% | 3.19% | -0.76% | 4.94% | 2.46% | 0.79% | 3.84% | 3.73% | 2.18% | 33.63% |
| 2016 | -0.81% | 3.18% | 5.42% | 1.70% | -0.93% | 1.15% | 3.18% | 0.27% | 1.09% | -0.85% | -0.64% | 0.75% | 14.13% |
| 2015 | -2.53% | 2.79% | -2.66% | 0.70% | -0.16% | -2.31% | 0.77% | -5.11% | -2.11% | 3.64% | -1.66% | -0.54% | -9.11% |
| 2014 | -4.67% | 3.78% | 0.23% | 1.40% | 0.57% | 0.66% | -1.23% | 4.10% | -1.87% | 2.63% | 5.59% | -0.83% | 10.37% |
Expense Ratio
TFSA - 2025 has an expense ratio of 0.15%, 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.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 96, TFSA - 2025 is among the top 4% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
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 | |
|---|---|---|---|---|---|
BRK-B Berkshire Hathaway Inc. | 1.21 | 1.77 | 1.26 | 2.79 | 6.71 |
WMT Walmart Inc. | 2.07 | 2.82 | 1.39 | 2.28 | 7.42 |
MA Mastercard Inc | 1.20 | 1.85 | 1.27 | 1.68 | 7.22 |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 1.95 | 2.63 | 1.34 | 1.93 | 9.82 |
QQQ Invesco QQQ | 0.50 | 0.85 | 1.12 | 0.54 | 1.75 |
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Dividends
Dividend yield
TFSA - 2025 provided a 0.40% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 0.40% | 0.40% | 0.52% | 0.59% | 0.49% | 0.50% | 0.59% | 0.73% | 0.70% | 0.94% | 0.97% | 0.83% |
| Portfolio components: | ||||||||||||
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% |
WMT Walmart Inc. | 0.92% | 0.92% | 1.45% | 1.58% | 1.52% | 1.50% | 1.78% | 2.23% | 2.07% | 2.89% | 3.20% | 2.24% |
MA Mastercard Inc | 0.50% | 0.50% | 0.53% | 0.56% | 0.49% | 0.45% | 0.44% | 0.53% | 0.58% | 0.74% | 0.66% | 0.51% |
CGL.TO iShares Gold Bullion ETF (CAD-Hedged) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
QQQ Invesco QQQ | 0.59% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% | 1.41% |
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 TFSA - 2025. 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 TFSA - 2025 was 23.13%, occurring on Mar 23, 2020. Recovery took 80 trading sessions.
The current TFSA - 2025 drawdown is 0.84%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -23.13% | Feb 20, 2020 | 23 | Mar 23, 2020 | 80 | Jul 14, 2020 | 103 |
| -21.77% | Mar 31, 2022 | 138 | Oct 12, 2022 | 170 | Jun 13, 2023 | 308 |
| -15.64% | Dec 4, 2014 | 288 | Jan 20, 2016 | 123 | Jul 13, 2016 | 411 |
| -13.62% | Sep 21, 2018 | 67 | Dec 24, 2018 | 37 | Feb 15, 2019 | 104 |
| -11.43% | Feb 20, 2025 | 34 | Apr 8, 2025 | 13 | Apr 28, 2025 | 47 |
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 5 assets, with an effective number of assets of 5.00, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.
Asset Correlations Table
| ^GSPC | CGL.TO | WMT | BRK-B | MA | QQQ | Portfolio | |
|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | 0.22 | 0.42 | 0.71 | 0.68 | 0.90 | 0.85 |
| CGL.TO | 0.22 | 1.00 | 0.08 | 0.12 | 0.14 | 0.18 | 0.43 |
| WMT | 0.42 | 0.08 | 1.00 | 0.37 | 0.29 | 0.35 | 0.56 |
| BRK-B | 0.71 | 0.12 | 0.37 | 1.00 | 0.53 | 0.53 | 0.71 |
| MA | 0.68 | 0.14 | 0.29 | 0.53 | 1.00 | 0.63 | 0.78 |
| QQQ | 0.90 | 0.18 | 0.35 | 0.53 | 0.63 | 1.00 | 0.77 |
| Portfolio | 0.85 | 0.43 | 0.56 | 0.71 | 0.78 | 0.77 | 1.00 |