JWAC Growth Simulation 10yr 25%FI/75%EQ
This is MM Growth with 25% bonds and older style ETFs to find the 10 year return. The 25% bond weight will be reduced from 25% to 0-5% when the Holy Spirit instructs me to do so.
Asset Allocation
Performance
Performance Chart
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The earliest data available for this chart is Aug 15, 2013, corresponding to the inception date of FNDC
Returns By Period
As of May 21, 2025, the JWAC Growth Simulation 10yr 25%FI/75%EQ returned 4.47% Year-To-Date and 7.06% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 1.00% | 12.45% | 0.40% | 11.91% | 15.04% | 10.82% |
| JWAC Growth Simulation 10yr 25%FI/75%EQ | 4.47% | 7.58% | 2.82% | 8.12% | 12.31% | 7.06% |
| Portfolio components: | ||||||
DLS WisdomTree International SmallCap Dividend | 15.23% | 9.03% | 14.83% | 13.26% | 10.93% | 4.96% |
RWJ Invesco S&P SmallCap 600 Revenue ETF | -7.80% | 13.58% | -9.28% | 1.49% | 21.21% | 9.05% |
DFSVX DFA U.S. Small Cap Value Portfolio I | -5.76% | 12.20% | -9.63% | -1.47% | 19.58% | 7.64% |
SCHX Schwab U.S. Large-Cap ETF | 1.55% | 12.89% | 0.93% | 14.85% | 17.58% | 14.11% |
IEMG iShares Core MSCI Emerging Markets ETF | 9.96% | 10.49% | 7.96% | 8.14% | 8.17% | 3.76% |
VGLT Vanguard Long-Term Treasury ETF | -0.35% | -1.88% | -2.82% | -0.92% | -8.93% | -0.41% |
EWX SPDR S&P Emerging Markets Small Cap ETF | 2.20% | 10.19% | 1.85% | 4.36% | 12.88% | 5.01% |
DFEVX DFA Emerging Markets Value Portfolio | 8.54% | 9.39% | 6.43% | 4.54% | 12.79% | 4.87% |
DFIVX DFA International Value Portfolio | 18.50% | 8.85% | 16.15% | 14.45% | 18.42% | 6.20% |
SCHF Schwab International Equity ETF | 16.00% | 8.82% | 14.12% | 12.46% | 13.96% | 7.00% |
FNDC Schwab Fundamental International Small Co. Index ETF | 16.55% | 8.45% | 15.86% | 13.91% | 11.58% | 5.70% |
BNDX Vanguard Total International Bond ETF | 0.84% | -0.22% | 1.28% | 5.12% | -0.07% | 2.00% |
IJR iShares Core S&P Small-Cap ETF | -6.32% | 11.74% | -9.86% | -0.36% | 12.88% | 7.79% |
VMFXX Vanguard Federal Money Market Fund | 0.69% | 0.00% | 1.46% | 4.14% | 2.52% | 1.72% |
VGIT Vanguard Intermediate-Term Treasury ETF | 2.84% | -0.35% | 2.72% | 5.67% | -1.06% | 1.27% |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 3.34% | 0.16% | 3.47% | 6.70% | 3.89% | 2.81% |
VGSH Vanguard Short-Term Treasury ETF | 1.93% | -0.02% | 2.49% | 5.48% | 1.14% | 1.48% |
SCHV Schwab U.S. Large-Cap Value ETF | 4.38% | 8.32% | 0.69% | 12.55% | 16.73% | 11.92% |
DFIHX DFA One Year Fixed Income Portfolio | 1.71% | 0.38% | 2.24% | 4.87% | 2.12% | 1.72% |
Monthly Returns
The table below presents the monthly returns of JWAC Growth Simulation 10yr 25%FI/75%EQ, 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 | 2.36% | -0.18% | -1.68% | -0.35% | 4.35% | 4.47% | |||||||
| 2024 | -1.25% | 2.12% | 3.31% | -3.03% | 3.49% | -0.91% | 4.98% | 0.76% | 1.74% | -2.57% | 4.01% | -3.78% | 8.70% |
| 2023 | 6.32% | -1.97% | -0.64% | 0.52% | -2.85% | 4.81% | 3.67% | -2.35% | -2.88% | -3.20% | 6.41% | 6.61% | 14.42% |
| 2022 | -2.45% | -0.70% | 0.11% | -4.98% | 1.55% | -6.91% | 5.42% | -3.10% | -7.84% | 6.33% | 6.73% | -2.74% | -9.48% |
| 2021 | 2.19% | 3.96% | 4.13% | 2.22% | 2.41% | -0.50% | -0.18% | 1.42% | -2.10% | 2.49% | -2.69% | 3.74% | 18.17% |
| 2020 | -3.16% | -6.56% | -14.17% | 8.61% | 3.62% | 1.92% | 2.67% | 4.24% | -2.29% | -0.43% | 11.56% | 5.00% | 8.65% |
| 2019 | 6.96% | 2.16% | -0.51% | 2.45% | -5.61% | 5.11% | -0.48% | -2.78% | 3.19% | 1.99% | 1.82% | 3.14% | 18.15% |
| 2018 | 2.85% | -3.47% | -0.21% | 0.45% | 1.10% | -0.62% | 2.02% | 0.55% | -0.69% | -6.21% | 0.99% | -5.98% | -9.29% |
| 2017 | 1.53% | 1.56% | 0.71% | 1.16% | 0.21% | 1.11% | 1.82% | -0.42% | 3.08% | 1.04% | 1.45% | 1.25% | 15.45% |
| 2016 | -4.25% | -0.03% | 6.44% | 1.38% | 0.28% | -0.46% | 3.69% | 0.57% | 1.10% | -1.57% | 3.36% | 2.24% | 13.06% |
| 2015 | -1.50% | 4.40% | -0.06% | 1.55% | 0.47% | -1.41% | -0.65% | -4.41% | -2.36% | 5.04% | 0.44% | -1.94% | -0.82% |
| 2014 | -2.80% | 3.77% | 0.64% | -0.15% | 1.20% | 2.10% | -2.19% | 2.19% | -3.56% | 1.62% | 0.06% | -0.14% | 2.50% |
Expense Ratio
JWAC Growth Simulation 10yr 25%FI/75%EQ has an expense ratio of 0.22%, 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
The current rank of JWAC Growth Simulation 10yr 25%FI/75%EQ is 36, indicating average performance compared to other portfolios on our website. Here’s 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.
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Dividends
Dividend yield
JWAC Growth Simulation 10yr 25%FI/75%EQ provided a 2.92% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.92% | 3.10% | 3.12% | 3.00% | 3.13% | 1.93% | 2.66% | 3.14% | 2.38% | 2.51% | 2.42% | 2.44% |
| Portfolio components: | ||||||||||||
DLS WisdomTree International SmallCap Dividend | 3.73% | 4.56% | 4.29% | 4.96% | 3.29% | 2.50% | 3.37% | 3.66% | 2.79% | 3.29% | 2.72% | 3.61% |
RWJ Invesco S&P SmallCap 600 Revenue ETF | 1.25% | 1.15% | 1.34% | 1.02% | 0.61% | 0.89% | 1.22% | 1.44% | 0.91% | 0.60% | 0.74% | 0.57% |
DFSVX DFA U.S. Small Cap Value Portfolio I | 1.61% | 1.47% | 3.67% | 6.77% | 10.40% | 1.96% | 2.83% | 7.54% | 5.62% | 4.53% | 5.83% | 4.53% |
SCHX Schwab U.S. Large-Cap ETF | 1.21% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.17% | 1.70% | 1.93% | 2.04% | 1.76% |
IEMG iShares Core MSCI Emerging Markets ETF | 2.91% | 3.20% | 2.89% | 2.71% | 3.06% | 1.87% | 3.15% | 2.76% | 2.35% | 2.28% | 2.53% | 2.30% |
VGLT Vanguard Long-Term Treasury ETF | 4.50% | 4.33% | 3.33% | 2.84% | 1.82% | 2.15% | 2.46% | 2.71% | 2.55% | 2.69% | 3.21% | 2.75% |
EWX SPDR S&P Emerging Markets Small Cap ETF | 2.84% | 2.90% | 2.32% | 3.00% | 2.77% | 2.24% | 2.73% | 3.26% | 2.30% | 2.46% | 3.04% | 2.74% |
DFEVX DFA Emerging Markets Value Portfolio | 4.37% | 4.68% | 4.39% | 4.44% | 3.81% | 2.46% | 2.47% | 2.49% | 2.44% | 1.99% | 2.55% | 2.63% |
DFIVX DFA International Value Portfolio | 3.36% | 3.94% | 4.40% | 3.78% | 4.27% | 2.43% | 3.70% | 3.31% | 2.85% | 3.37% | 3.45% | 4.89% |
SCHF Schwab International Equity ETF | 2.81% | 3.26% | 2.97% | 2.80% | 3.19% | 2.08% | 2.95% | 3.06% | 2.35% | 2.58% | 2.26% | 2.90% |
FNDC Schwab Fundamental International Small Co. Index ETF | 3.08% | 3.59% | 2.86% | 1.98% | 2.58% | 1.77% | 2.71% | 2.68% | 1.94% | 1.96% | 1.30% | 1.61% |
BNDX Vanguard Total International Bond ETF | 4.30% | 4.18% | 4.42% | 1.52% | 3.74% | 1.11% | 3.40% | 3.01% | 2.23% | 1.89% | 1.63% | 1.54% |
IJR iShares Core S&P Small-Cap ETF | 2.19% | 2.05% | 1.31% | 1.41% | 1.53% | 1.11% | 1.44% | 1.58% | 1.20% | 1.21% | 1.48% | 1.23% |
VMFXX Vanguard Federal Money Market Fund | 4.76% | 5.11% | 4.97% | 1.54% | 0.01% | 0.45% | 2.12% | 1.61% | 0.50% | 0.00% | 0.00% | 0.00% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.75% | 3.67% | 2.72% | 1.74% | 1.69% | 2.23% | 2.24% | 2.05% | 1.67% | 1.69% | 1.69% | 1.54% |
VTIP Vanguard Short-Term Inflation-Protected Securities ETF | 2.76% | 2.70% | 3.36% | 6.84% | 4.68% | 1.20% | 1.95% | 2.45% | 1.52% | 0.76% | 0.00% | 0.82% |
VGSH Vanguard Short-Term Treasury ETF | 4.18% | 4.19% | 3.32% | 1.15% | 0.66% | 1.75% | 2.28% | 1.79% | 1.10% | 0.84% | 0.71% | 0.46% |
SCHV Schwab U.S. Large-Cap Value ETF | 2.21% | 2.25% | 2.42% | 2.37% | 1.93% | 3.03% | 3.02% | 3.05% | 2.37% | 3.95% | 2.69% | 2.38% |
DFIHX DFA One Year Fixed Income Portfolio | 4.76% | 4.99% | 3.37% | 1.07% | 0.00% | 0.62% | 2.12% | 1.85% | 1.13% | 0.74% | 0.51% | 0.35% |
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 JWAC Growth Simulation 10yr 25%FI/75%EQ. 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 JWAC Growth Simulation 10yr 25%FI/75%EQ was 29.77%, occurring on Mar 23, 2020. Recovery took 162 trading sessions.
The current JWAC Growth Simulation 10yr 25%FI/75%EQ drawdown is 0.03%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -29.77% | Jan 17, 2020 | 45 | Mar 23, 2020 | 162 | Nov 10, 2020 | 207 |
| -19.1% | Nov 9, 2021 | 225 | Sep 30, 2022 | 307 | Dec 14, 2023 | 532 |
| -16.2% | Jan 29, 2018 | 229 | Dec 24, 2018 | 240 | Dec 6, 2019 | 469 |
| -14.6% | May 22, 2015 | 183 | Feb 11, 2016 | 124 | Aug 9, 2016 | 307 |
| -11.75% | Dec 3, 2024 | 86 | Apr 8, 2025 | 26 | May 15, 2025 | 112 |
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 19 assets, with an effective number of assets of 12.05, 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
| ^GSPC | VMFXX | DFIHX | BNDX | VTIP | VGSH | VGLT | VGIT | EWX | DFEVX | IEMG | RWJ | IJR | DLS | DFSVX | SCHX | FNDC | SCHV | DFIVX | SCHF | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.01 | -0.02 | -0.01 | 0.07 | -0.14 | -0.18 | -0.17 | 0.66 | 0.64 | 0.69 | 0.73 | 0.80 | 0.74 | 0.77 | 0.99 | 0.76 | 0.89 | 0.73 | 0.80 | 0.87 |
| VMFXX | -0.01 | 1.00 | 0.02 | 0.03 | 0.02 | 0.04 | 0.03 | 0.03 | 0.02 | -0.01 | -0.02 | -0.03 | -0.03 | -0.02 | -0.03 | -0.02 | -0.03 | -0.02 | -0.04 | -0.04 | -0.03 |
| DFIHX | -0.02 | 0.02 | 1.00 | 0.22 | 0.21 | 0.32 | 0.23 | 0.31 | -0.01 | -0.01 | -0.01 | -0.04 | -0.03 | 0.02 | -0.05 | -0.02 | 0.00 | -0.01 | -0.02 | -0.00 | -0.00 |
| BNDX | -0.01 | 0.03 | 0.22 | 1.00 | 0.39 | 0.54 | 0.70 | 0.69 | 0.00 | -0.05 | -0.00 | -0.06 | -0.04 | 0.01 | -0.09 | -0.00 | 0.02 | -0.03 | -0.08 | 0.01 | -0.00 |
| VTIP | 0.07 | 0.02 | 0.21 | 0.39 | 1.00 | 0.56 | 0.42 | 0.58 | 0.12 | 0.11 | 0.11 | 0.07 | 0.07 | 0.16 | 0.06 | 0.07 | 0.16 | 0.08 | 0.14 | 0.15 | 0.13 |
| VGSH | -0.14 | 0.04 | 0.32 | 0.54 | 0.56 | 1.00 | 0.59 | 0.81 | -0.04 | -0.10 | -0.07 | -0.14 | -0.13 | -0.04 | -0.17 | -0.13 | -0.05 | -0.15 | -0.09 | -0.06 | -0.09 |
| VGLT | -0.18 | 0.03 | 0.23 | 0.70 | 0.42 | 0.59 | 1.00 | 0.86 | -0.12 | -0.17 | -0.13 | -0.21 | -0.19 | -0.13 | -0.24 | -0.18 | -0.14 | -0.20 | -0.20 | -0.14 | -0.17 |
| VGIT | -0.17 | 0.03 | 0.31 | 0.69 | 0.58 | 0.81 | 0.86 | 1.00 | -0.09 | -0.14 | -0.10 | -0.19 | -0.18 | -0.08 | -0.22 | -0.16 | -0.08 | -0.18 | -0.15 | -0.09 | -0.13 |
| EWX | 0.66 | 0.02 | -0.01 | 0.00 | 0.12 | -0.04 | -0.12 | -0.09 | 1.00 | 0.83 | 0.90 | 0.55 | 0.58 | 0.74 | 0.58 | 0.66 | 0.74 | 0.63 | 0.71 | 0.76 | 0.73 |
| DFEVX | 0.64 | -0.01 | -0.01 | -0.05 | 0.11 | -0.10 | -0.17 | -0.14 | 0.83 | 1.00 | 0.88 | 0.54 | 0.56 | 0.71 | 0.58 | 0.64 | 0.74 | 0.62 | 0.75 | 0.75 | 0.72 |
| IEMG | 0.69 | -0.02 | -0.01 | -0.00 | 0.11 | -0.07 | -0.13 | -0.10 | 0.90 | 0.88 | 1.00 | 0.56 | 0.59 | 0.76 | 0.59 | 0.69 | 0.78 | 0.64 | 0.75 | 0.81 | 0.75 |
| RWJ | 0.73 | -0.03 | -0.04 | -0.06 | 0.07 | -0.14 | -0.21 | -0.19 | 0.55 | 0.54 | 0.56 | 1.00 | 0.96 | 0.65 | 0.95 | 0.74 | 0.67 | 0.79 | 0.69 | 0.67 | 0.89 |
| IJR | 0.80 | -0.03 | -0.03 | -0.04 | 0.07 | -0.13 | -0.19 | -0.18 | 0.58 | 0.56 | 0.59 | 0.96 | 1.00 | 0.68 | 0.97 | 0.81 | 0.70 | 0.84 | 0.70 | 0.71 | 0.92 |
| DLS | 0.74 | -0.02 | 0.02 | 0.01 | 0.16 | -0.04 | -0.13 | -0.08 | 0.74 | 0.71 | 0.76 | 0.65 | 0.68 | 1.00 | 0.68 | 0.75 | 0.96 | 0.73 | 0.88 | 0.93 | 0.87 |
| DFSVX | 0.77 | -0.03 | -0.05 | -0.09 | 0.06 | -0.17 | -0.24 | -0.22 | 0.58 | 0.58 | 0.59 | 0.95 | 0.97 | 0.68 | 1.00 | 0.77 | 0.70 | 0.84 | 0.73 | 0.71 | 0.92 |
| SCHX | 0.99 | -0.02 | -0.02 | -0.00 | 0.07 | -0.13 | -0.18 | -0.16 | 0.66 | 0.64 | 0.69 | 0.74 | 0.81 | 0.75 | 0.77 | 1.00 | 0.76 | 0.89 | 0.73 | 0.81 | 0.88 |
| FNDC | 0.76 | -0.03 | 0.00 | 0.02 | 0.16 | -0.05 | -0.14 | -0.08 | 0.74 | 0.74 | 0.78 | 0.67 | 0.70 | 0.96 | 0.70 | 0.76 | 1.00 | 0.75 | 0.90 | 0.94 | 0.88 |
| SCHV | 0.89 | -0.02 | -0.01 | -0.03 | 0.08 | -0.15 | -0.20 | -0.18 | 0.63 | 0.62 | 0.64 | 0.79 | 0.84 | 0.73 | 0.84 | 0.89 | 0.75 | 1.00 | 0.76 | 0.79 | 0.91 |
| DFIVX | 0.73 | -0.04 | -0.02 | -0.08 | 0.14 | -0.09 | -0.20 | -0.15 | 0.71 | 0.75 | 0.75 | 0.69 | 0.70 | 0.88 | 0.73 | 0.73 | 0.90 | 0.76 | 1.00 | 0.93 | 0.88 |
| SCHF | 0.80 | -0.04 | -0.00 | 0.01 | 0.15 | -0.06 | -0.14 | -0.09 | 0.76 | 0.75 | 0.81 | 0.67 | 0.71 | 0.93 | 0.71 | 0.81 | 0.94 | 0.79 | 0.93 | 1.00 | 0.89 |
| Portfolio | 0.87 | -0.03 | -0.00 | -0.00 | 0.13 | -0.09 | -0.17 | -0.13 | 0.73 | 0.72 | 0.75 | 0.89 | 0.92 | 0.87 | 0.92 | 0.88 | 0.88 | 0.91 | 0.88 | 0.89 | 1.00 |