Bucket 1: 2026-2028

The chart shows the growth of an initial investment of $10,000 in Bucket 1: 2026-2028, 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.

Based on dividend-adjusted daily data since May 26, 2021, Bucket 1: 2026-2028's average daily return is +0.02%, while the average monthly return is +0.33%. At this rate, an investment would double in approximately 17.5 years.

Historically, 65% of months were positive and 35% were negative. The best month was Nov 2022 with a return of +3.0%, while the worst month was Sep 2022 at -2.5%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 4 months.

On a daily basis, Bucket 1: 2026-2028 closed higher 55% of trading days. The best single day was Nov 10, 2022 with a return of +1.4%, while the worst single day was Jun 13, 2022 at -1.1%.

Bucket 1: 2026-2028 has an annualized alpha of 2.98%, beta of 0.09, and R2 of 0.19 versus S&P 500 Index. Calculated based on daily prices since May 26, 2021.

• This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (18.59%) than losses (16.86%) - typical of diversified or defensive assets.
• Beta of 0.09 may look defensive, but with R2 of 0.19 this portfolio is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this portfolio's risk.
• R2 of 0.19 means this portfolio moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Bucket 1: 2026-2028 has an expense ratio of 0.16%, 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.

Bucket 1: 2026-2028 ranks 59 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.

The table below presents risk-adjusted performance metrics for Bucket 1: 2026-2028 and compares them with S&P 500 Index.

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.

Bucket 1: 2026-2028 Sharpe ratios as of Jun 9, 2026 (values are recalculated daily):

• 1-Year: 2.39
• 5-Year: 1.18
• 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 1.60 to 2.47, 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 Bucket 1: 2026-2028 compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Bucket 1: 2026-2028 provided a 4.27% dividend yield over the last twelve months.

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.

The table below displays the maximum drawdowns of the Bucket 1: 2026-2028. 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 Bucket 1: 2026-2028 was 9.45%, occurring on Oct 20, 2022. Recovery took 288 trading sessions.

The current Bucket 1: 2026-2028 drawdown is 1.76%.

The chart below shows the rolling one-month volatility.