FundAdvice Ultimate Buy & Hold Portfolio 60/40

Asset Allocation

Position	Category/Sector	Target Weight
EEM iShares MSCI Emerging Markets ETF	Emerging Markets Diversified	5%
EFV iShares MSCI EAFE Value ETF	Foreign Large Cap Equities	12%
FDGRX Fidelity Growth Company Fund	Large Cap Growth Equities	6%
SPAXX Fidelity Government Money Market Fund	Money Market	7%
TIP iShares TIPS Bond ETF	Inflation-Protected Bonds	8%
VB Vanguard Small-Cap ETF	Small Cap Growth Equities	6%
VBR Vanguard Small-Cap Value ETF	Small Cap Value Equities	6%
VEA Vanguard FTSE Developed Markets ETF	Foreign Large Cap Equities	12%
VGIT Vanguard Intermediate-Term Treasury ETF	Government Bonds	16%
VGSH Vanguard Short-Term Treasury ETF	Government Bonds, Short-Term Bond	10%
VNQ Vanguard Real Estate ETF	REIT	6%
VOO Vanguard S&P 500 ETF	S&P 500	0%
VTV Vanguard Value ETF	Large Cap Value Equities	6%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in FundAdvice Ultimate Buy & Hold Portfolio 60/40, 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 May 25, 2021, corresponding to the inception date of SPAXX

Returns By Period

	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 FundAdvice Ultimate Buy & Hold Portfolio 60/40	-0.00%	-1.77%	2.11%	4.16%	15.55%	11.13%	—	—
Portfolio components:
VB Vanguard Small-Cap ETF	0.47%	-3.05%	2.99%	3.93%	18.72%	13.45%	5.57%	10.71%
TIP iShares TIPS Bond ETF	0.41%	-0.62%	0.82%	0.60%	3.34%	3.06%	1.33%	2.52%
VEA Vanguard FTSE Developed Markets ETF	-0.77%	-2.79%	3.65%	8.84%	30.37%	16.09%	8.76%	9.49%
VNQ Vanguard Real Estate ETF	1.36%	-4.43%	3.06%	1.04%	2.95%	7.33%	3.14%	4.85%
VBR Vanguard Small-Cap Value ETF	0.20%	-3.26%	3.80%	5.19%	17.55%	13.63%	7.68%	10.27%
EFV iShares MSCI EAFE Value ETF	-0.35%	-0.94%	5.04%	12.72%	32.70%	20.46%	12.60%	9.75%
VOO Vanguard S&P 500 ETF	0.11%	-3.33%	-3.55%	-1.41%	17.60%	18.47%	11.96%	14.19%
VTV Vanguard Value ETF	0.16%	-3.03%	3.71%	6.74%	16.12%	14.94%	10.95%	11.89%
EEM iShares MSCI Emerging Markets ETF	-1.12%	-3.13%	3.44%	6.16%	32.02%	15.51%	3.38%	7.67%
VGSH Vanguard Short-Term Treasury ETF	0.09%	-0.23%	0.34%	1.33%	3.82%	3.98%	1.80%	1.74%

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

Monthly Returns

Based on dividend-adjusted daily data since May 26, 2021, FundAdvice Ultimate Buy & Hold Portfolio 60/40's average daily return is +0.02%, while the average monthly return is +0.48%. At this rate, your investment would double in approximately 12.1 years.

Historically, 67% of months were positive and 33% were negative. The best month was Nov 2022 with a return of +6.1%, while the worst month was Sep 2022 at -7.0%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.

On a daily basis, FundAdvice Ultimate Buy & Hold Portfolio 60/40 closed higher 54% of trading days. The best single day was Apr 9, 2025 with a return of +4.3%, while the worst single day was Apr 4, 2025 at -3.3%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.03%	3.06%	-4.37%	0.56%									2.11%
2025	2.34%	0.94%	-0.88%	0.54%	2.64%	2.55%	0.32%	2.93%	1.61%	0.79%	0.96%	0.67%	16.47%
2024	-0.76%	1.75%	2.47%	-2.85%	3.12%	0.12%	3.13%	1.68%	1.59%	-2.24%	2.24%	-2.88%	7.31%
2023	5.72%	-2.56%	1.04%	0.89%	-1.89%	3.33%	2.42%	-2.14%	-2.78%	-2.34%	5.90%	4.68%	12.31%
2022	-2.68%	-1.25%	0.09%	-4.63%	0.51%	-5.47%	4.31%	-3.14%	-7.04%	4.08%	6.10%	-2.39%	-11.74%
2021					0.59%	0.27%	0.29%	1.02%	-2.32%	2.46%	-1.98%	2.45%	2.69%

Benchmark Metrics

FundAdvice Ultimate Buy & Hold Portfolio 60/40 has an annualized alpha of 0.41%, beta of 0.51, and R² of 0.79 versus S&P 500 Index. Calculated based on daily prices since May 26, 2021.

This portfolio participated in 63.42% of S&P 500 Index downside but only 52.71% of its upside — more exposed to losses than it benefited from rallies.
Beta of 0.51 indicates this portfolio moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.

Alpha: 0.41%

Beta: 0.51

R²: 0.79

Upside Capture: 52.71%

Downside Capture: 63.42%

Expense Ratio

FundAdvice Ultimate Buy & Hold Portfolio 60/40 has an expense ratio of 0.18%, 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

FDGRX

Fidelity Growth Company Fund

EEM

iShares MSCI Emerging Markets ETF

EFV

iShares MSCI EAFE Value ETF

TIP

iShares TIPS Bond ETF

VNQ

Vanguard Real Estate ETF

VBR

Vanguard Small-Cap Value ETF

Vanguard Small-Cap ETF

VTV

Vanguard Value ETF

VGIT

Vanguard Intermediate-Term Treasury ETF

VEA

Vanguard FTSE Developed Markets ETF

Return for Risk

Risk / Return Rank

FundAdvice Ultimate Buy & Hold Portfolio 60/40 ranks 70 for risk / return — better than 70% 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	1.57	0.88	+0.69
Sortino ratio Return per unit of downside risk	2.22	1.37	+0.86
Omega ratio Gain probability vs. loss probability	1.33	1.21	+0.12
Calmar ratio Return relative to maximum drawdown	2.20	1.39	+0.82
Martin ratio Return relative to average drawdown	9.38	6.43	+2.95
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
VB Vanguard Small-Cap ETF	46	0.86	1.35	1.18	1.44	6.15
TIP iShares TIPS Bond ETF	35	0.80	1.11	1.14	1.16	3.36
VEA Vanguard FTSE Developed Markets ETF	83	1.73	2.36	1.35	2.64	10.14
VNQ Vanguard Real Estate ETF	16	0.18	0.36	1.05	0.29	1.11
VBR Vanguard Small-Cap Value ETF	44	0.86	1.33	1.18	1.37	5.57
EFV iShares MSCI EAFE Value ETF	87	1.94	2.59	1.39	2.91	11.15
VOO Vanguard S&P 500 ETF	54	0.98	1.49	1.23	1.53	7.13
VTV Vanguard Value ETF	56	1.09	1.57	1.23	1.48	6.62
EEM iShares MSCI Emerging Markets ETF	77	1.59	2.16	1.32	2.38	8.92
VGSH Vanguard Short-Term Treasury ETF	96	2.67	4.30	1.58	4.26	16.01

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.

FundAdvice Ultimate Buy & Hold Portfolio 60/40 Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 1.57
All Time: 0.57

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 0.98 to 1.66, 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 FundAdvice Ultimate Buy & Hold Portfolio 60/40 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

FundAdvice Ultimate Buy & Hold Portfolio 60/40 provided a 2.94% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	2.94%	3.11%	3.50%	2.88%	2.96%	2.75%	2.32%	2.58%	2.86%	2.26%	2.33%	2.11%
Portfolio components:
VB Vanguard Small-Cap ETF	1.32%	1.33%	1.30%	1.55%	1.59%	1.24%	1.14%	1.39%	1.67%	1.35%	1.50%	1.48%
TIP iShares TIPS Bond ETF	2.79%	3.46%	2.52%	2.73%	6.96%	4.28%	1.17%	1.75%	2.71%	2.07%	1.48%	0.34%
VEA Vanguard FTSE Developed Markets ETF	2.90%	3.22%	3.35%	3.15%	2.91%	3.16%	2.04%	3.04%	3.35%	2.77%	3.05%	2.92%
VNQ Vanguard Real Estate ETF	3.86%	3.92%	3.85%	3.95%	3.91%	2.56%	3.93%	3.39%	4.74%	4.23%	4.82%	3.92%
VBR Vanguard Small-Cap Value ETF	1.89%	1.95%	1.98%	2.12%	2.03%	1.75%	1.68%	2.06%	2.35%	1.79%	1.77%	1.99%
EFV iShares MSCI EAFE Value ETF	3.96%	4.16%	4.66%	4.36%	4.17%	4.07%	2.42%	4.62%	4.56%	3.56%	3.28%	3.59%
VOO Vanguard S&P 500 ETF	1.18%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%
VTV Vanguard Value ETF	2.02%	2.05%	2.31%	2.46%	2.52%	2.15%	2.56%	2.50%	2.73%	2.29%	2.44%	2.60%
EEM iShares MSCI Emerging Markets ETF	2.15%	2.22%	2.43%	2.63%	2.50%	1.99%	1.45%	2.76%	2.24%	1.89%	1.89%	2.49%
VGSH Vanguard Short-Term Treasury ETF	3.92%	4.00%	4.18%	3.31%	1.15%	0.66%	1.74%	2.28%	1.79%	1.10%	0.84%	0.69%

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 FundAdvice Ultimate Buy & Hold Portfolio 60/40. 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 FundAdvice Ultimate Buy & Hold Portfolio 60/40 was 19.12%, occurring on Oct 14, 2022. Recovery took 348 trading sessions.

The current FundAdvice Ultimate Buy & Hold Portfolio 60/40 drawdown is 3.93%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-19.12%	Nov 9, 2021	235	Oct 14, 2022	348	Mar 6, 2024	583
-8.12%	Feb 19, 2025	35	Apr 8, 2025	23	May 12, 2025	58
-6.14%	Feb 27, 2026	21	Mar 27, 2026	—	—	—
-3.95%	Dec 9, 2024	22	Jan 10, 2025	23	Feb 13, 2025	45
-3.66%	Apr 1, 2024	14	Apr 18, 2024	18	May 14, 2024	32

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 13 assets, with an effective number of assets of 10.40, 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	SPAXX	VGSH	VGIT	TIP	EEM	VNQ	FDGRX	EFV	VTV	VBR	VOO	VB	VEA	Portfolio
Benchmark	1.00	0.00	0.04	0.06	0.17	0.64	0.61	0.91	0.66	0.81	0.79	1.00	0.85	0.78	0.86
SPAXX	0.00	1.00	0.07	0.05	0.03	-0.07	0.04	-0.02	-0.04	0.03	-0.01	0.00	-0.02	-0.03	-0.01
VGSH	0.04	0.07	1.00	0.89	0.67	0.06	0.22	0.02	0.12	0.04	0.04	0.04	0.05	0.14	0.22
VGIT	0.06	0.05	0.89	1.00	0.79	0.06	0.27	0.04	0.13	0.06	0.06	0.07	0.07	0.16	0.25
TIP	0.17	0.03	0.67	0.79	1.00	0.13	0.32	0.14	0.21	0.17	0.17	0.18	0.18	0.23	0.34
EEM	0.64	-0.07	0.06	0.06	0.13	1.00	0.42	0.64	0.71	0.54	0.58	0.64	0.62	0.79	0.76
VNQ	0.61	0.04	0.22	0.27	0.32	0.42	1.00	0.44	0.56	0.73	0.72	0.61	0.70	0.60	0.74
FDGRX	0.91	-0.02	0.02	0.04	0.14	0.64	0.44	1.00	0.54	0.57	0.64	0.91	0.75	0.69	0.75
EFV	0.66	-0.04	0.12	0.13	0.21	0.71	0.56	0.54	1.00	0.73	0.72	0.66	0.69	0.95	0.88
VTV	0.81	0.03	0.04	0.06	0.17	0.54	0.73	0.57	0.73	1.00	0.89	0.81	0.85	0.74	0.85
VBR	0.79	-0.01	0.04	0.06	0.17	0.58	0.72	0.64	0.72	0.89	1.00	0.79	0.97	0.75	0.88
VOO	1.00	0.00	0.04	0.07	0.18	0.64	0.61	0.91	0.66	0.81	0.79	1.00	0.85	0.78	0.86
VB	0.85	-0.02	0.05	0.07	0.18	0.62	0.70	0.75	0.69	0.85	0.97	0.85	1.00	0.77	0.90
VEA	0.78	-0.03	0.14	0.16	0.23	0.79	0.60	0.69	0.95	0.74	0.75	0.78	0.77	1.00	0.94
Portfolio	0.86	-0.01	0.22	0.25	0.34	0.76	0.74	0.75	0.88	0.85	0.88	0.86	0.90	0.94	1.00

The correlation results are calculated based on daily price changes starting from May 26, 2021

FundAdvice Ultimate Buy & Hold Portfolio 60/40

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