Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FFRHX Fidelity Floating Rate High Income Fund | High Yield Bonds | 30% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 35% |
VTI Vanguard Total Stock Market ETF | Large Cap Blend Equities | 35% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Simple Path to Wealth Portfolio - v1, 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 Dec 11, 2009, corresponding to the inception date of SCHG
Returns By Period
As of Apr 2, 2026, the Simple Path to Wealth Portfolio - v1 returned -4.52% Year-To-Date and 12.45% 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 Simple Path to Wealth Portfolio - v1 | 0.07% | -2.22% | -4.52% | -2.98% | 13.65% | 16.41% | 10.10% | 12.45% |
| Portfolio components: | ||||||||
VTI Vanguard Total Stock Market ETF | 0.16% | -3.26% | -3.13% | -1.24% | 17.86% | 18.10% | 10.66% | 13.75% |
FFRHX Fidelity Floating Rate High Income Fund | 0.00% | 0.45% | -0.50% | 0.88% | 4.89% | 7.08% | 5.20% | 4.99% |
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 Dec 14, 2009, Simple Path to Wealth Portfolio - v1's average daily return is +0.05%, while the average monthly return is +0.97%. At this rate, your investment would double in approximately 6.0 years.
Historically, 68% of months were positive and 32% were negative. The best month was Apr 2020 with a return of +10.7%, while the worst month was Mar 2020 at -12.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, Simple Path to Wealth Portfolio - v1 closed higher 56% of trading days. The best single day was Apr 9, 2025 with a return of +7.6%, while the worst single day was Mar 16, 2020 at -9.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.07% | -1.79% | -3.36% | 0.68% | -4.52% | ||||||||
| 2025 | 1.97% | -2.06% | -4.98% | 0.09% | 5.68% | 4.29% | 2.16% | 1.32% | 3.07% | 2.47% | -0.42% | 0.02% | 13.98% |
| 2024 | 1.45% | 4.57% | 1.89% | -2.76% | 3.98% | 3.34% | 0.54% | 1.55% | 1.84% | -0.12% | 5.19% | -0.81% | 22.38% |
| 2023 | 6.63% | -1.15% | 3.90% | 1.17% | 2.31% | 5.47% | 2.87% | -0.68% | -3.33% | -1.52% | 7.56% | 3.95% | 30.00% |
| 2022 | -5.16% | -2.38% | 2.73% | -7.83% | -1.77% | -6.35% | 8.36% | -2.71% | -7.60% | 4.75% | 3.65% | -4.93% | -18.92% |
| 2021 | -0.14% | 1.50% | 1.76% | 4.63% | -0.23% | 3.22% | 1.73% | 2.58% | -3.31% | 5.61% | -0.54% | 2.02% | 20.17% |
Benchmark Metrics
Simple Path to Wealth Portfolio - v1 has an annualized alpha of 2.53%, beta of 0.76, and R² of 0.97 versus S&P 500 Index. Calculated based on daily prices since December 14, 2009.
- This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (82.08%) than losses (76.65%) — typical of diversified or defensive assets.
- This portfolio generated an annualized alpha of 2.53% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- Alpha
- 2.53%
- Beta
- 0.76
- R²
- 0.97
- Upside Capture
- 82.08%
- Downside Capture
- 76.65%
Expense Ratio
Simple Path to Wealth Portfolio - v1 has an expense ratio of 0.23%, 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
Simple Path to Wealth Portfolio - v1 ranks 28 for risk / return — below 28% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.94 | 0.88 | +0.05 |
Sortino ratioReturn per unit of downside risk | 1.45 | 1.37 | +0.08 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.21 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.39 | +0.13 |
Martin ratioReturn relative to average drawdown | 5.95 | 6.43 | -0.49 |
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 |
FFRHX Fidelity Floating Rate High Income Fund | 74 | 1.46 | 2.06 | 1.49 | 1.70 | 8.23 |
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
Simple Path to Wealth Portfolio - v1 provided a 2.58% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.58% | 2.74% | 2.66% | 3.14% | 1.92% | 1.40% | 1.83% | 2.46% | 2.58% | 2.17% | 2.37% | 2.23% |
| 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% |
FFRHX Fidelity Floating Rate High Income Fund | 6.75% | 7.41% | 6.94% | 8.24% | 3.81% | 2.74% | 3.84% | 5.15% | 4.74% | 4.05% | 4.44% | 3.69% |
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 Simple Path to Wealth Portfolio - v1. 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 Simple Path to Wealth Portfolio - v1 was 30.32%, occurring on Mar 23, 2020. Recovery took 84 trading sessions.
The current Simple Path to Wealth Portfolio - v1 drawdown is 5.70%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.32% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -22.56% | Dec 28, 2021 | 202 | Oct 14, 2022 | 276 | Nov 20, 2023 | 478 |
| -15.77% | Feb 20, 2025 | 34 | Apr 8, 2025 | 54 | Jun 26, 2025 | 88 |
| -15.54% | Oct 2, 2018 | 58 | Dec 24, 2018 | 69 | Apr 4, 2019 | 127 |
| -15.45% | Jul 8, 2011 | 61 | Oct 3, 2011 | 85 | Feb 3, 2012 | 146 |
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 3 assets, with an effective number of assets of 2.99, 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 | FFRHX | SCHG | VTI | Portfolio | |
|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.27 | 0.95 | 0.99 | 0.98 |
| FFRHX | 0.27 | 1.00 | 0.25 | 0.28 | 0.31 |
| SCHG | 0.95 | 0.25 | 1.00 | 0.94 | 0.98 |
| VTI | 0.99 | 0.28 | 0.94 | 1.00 | 0.98 |
| Portfolio | 0.98 | 0.31 | 0.98 | 0.98 | 1.00 |