Matson Money Growth Simulation 10yr 20% bonds
This is MM Growth with 20% bonds and older style ETFs to find the 10 year return. The 20% bond weight will be reduced from 20% to 0% when the Holy Spirit instructs me to do so.
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Matson Money Growth Simulation 10yr 20% bonds, 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 year.
The earliest data available for this chart is Aug 15, 2013, corresponding to the inception date of FNDC
Returns By Period
As of Apr 22, 2025, the Matson Money Growth Simulation 10yr 20% bonds returned -3.47% Year-To-Date and 6.21% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -12.30% | -8.99% | -11.89% | 3.84% | 13.06% | 9.34% |
| Matson Money Growth Simulation 10yr 20% bonds | -3.47% | -5.00% | -5.20% | 4.90% | 12.23% | 6.21% |
| Portfolio components: | ||||||
DLS WisdomTree International SmallCap Dividend | 5.88% | -1.14% | 2.07% | 10.73% | 10.55% | 4.33% |
RWJ Invesco S&P SmallCap 600 Revenue ETF | -20.03% | -11.41% | -19.32% | -6.91% | 21.55% | 7.54% |
DFSVX DFA U.S. Small Cap Value Portfolio I | -17.62% | -10.97% | -17.22% | -8.28% | 19.10% | 6.26% |
SCHX Schwab U.S. Large-Cap ETF | -12.17% | -9.03% | -11.34% | 6.38% | 15.63% | 12.57% |
IEMG iShares Core MSCI Emerging Markets ETF | -0.52% | -5.68% | -6.89% | 7.11% | 6.98% | 2.56% |
VGLT Vanguard Long-Term Treasury ETF | -0.10% | -4.39% | -3.83% | 1.88% | -9.38% | -1.00% |
EWX SPDR S&P Emerging Markets Small Cap ETF | -7.26% | -6.83% | -9.56% | 1.37% | 12.13% | 4.15% |
DFEVX DFA Emerging Markets Value Portfolio | -0.51% | -5.62% | -5.96% | 4.65% | 11.89% | 3.76% |
DFIVX DFA International Value Portfolio | 8.91% | -3.75% | 4.78% | 11.66% | 17.63% | 5.14% |
SCHF Schwab International Equity ETF | 6.16% | -3.39% | 0.52% | 9.95% | 13.04% | 6.12% |
SCHV Schwab U.S. Large-Cap Value ETF | -5.41% | -7.09% | -8.25% | 6.48% | 15.16% | 10.94% |
VGSH Vanguard Short-Term Treasury ETF | 2.01% | 0.57% | 2.44% | 6.24% | 1.18% | 1.48% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 2.94% | 0.27% | 1.87% | 7.20% | -1.03% | 1.16% |
SCHO Schwab Short-Term U.S. Treasury ETF | 2.42% | 0.59% | 2.52% | 6.30% | 1.18% | 1.47% |
FNDC Schwab Fundamental International Small Co. Index ETF | 7.56% | -0.57% | 3.02% | 11.86% | 11.30% | 5.07% |
GOVI Invesco Equal Weight 0-30 Years Treasury ETF | 0.83% | -2.61% | -1.79% | 3.54% | -5.54% | -0.06% |
Monthly Returns
The table below presents the monthly returns of Matson Money Growth Simulation 10yr 20% bonds, 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 | 2.59% | 0.03% | -1.79% | -4.21% | -3.47% | ||||||||
| 2024 | -1.36% | 2.16% | 3.56% | -3.57% | 3.91% | -1.24% | 5.48% | 0.92% | 1.90% | -3.09% | 4.23% | -4.11% | 8.51% |
| 2023 | 7.01% | -2.13% | -0.80% | 0.67% | -3.49% | 4.98% | 3.92% | -2.60% | -3.23% | -3.67% | 6.94% | 7.16% | 14.58% |
| 2022 | -2.48% | -0.65% | 0.04% | -5.30% | 1.79% | -7.66% | 5.71% | -3.24% | -8.53% | 6.77% | 7.17% | -2.76% | -10.20% |
| 2021 | 3.50% | 3.58% | 4.99% | 2.37% | 3.00% | -0.72% | -0.38% | 1.64% | -2.14% | 2.78% | -2.95% | 4.19% | 21.34% |
| 2020 | -3.54% | -6.92% | -14.80% | 8.30% | 3.68% | 1.68% | 2.85% | 4.42% | -2.33% | -0.73% | 12.15% | 4.85% | 6.95% |
| 2019 | 7.61% | 2.36% | -0.68% | 2.55% | -6.30% | 5.45% | -0.72% | -2.95% | 3.79% | 2.08% | 2.01% | 3.26% | 19.20% |
| 2018 | 2.85% | -3.87% | -0.32% | 0.47% | 1.08% | -0.70% | 2.01% | 0.62% | -0.85% | -6.68% | 0.79% | -6.98% | -11.50% |
| 2017 | 1.65% | 1.63% | 0.59% | 1.37% | 0.23% | 1.21% | 1.96% | -0.51% | 3.30% | 0.93% | 1.50% | 1.46% | 16.39% |
| 2016 | -4.56% | 0.09% | 6.89% | 1.58% | 0.22% | -0.70% | 4.03% | 0.42% | 1.19% | -1.80% | 3.61% | 2.47% | 13.75% |
| 2015 | -1.52% | 4.70% | -0.06% | 1.69% | 0.55% | -1.63% | -0.64% | -4.64% | -2.73% | 5.25% | 0.36% | -2.03% | -1.14% |
| 2014 | -2.87% | 4.14% | 0.62% | -0.10% | 1.33% | 2.05% | -2.41% | 2.33% | -3.93% | 1.75% | 0.15% | -0.10% | 2.69% |
Expense Ratio
Matson Money Growth Simulation 10yr 20% bonds has an expense ratio of 0.26%, 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 Matson Money Growth Simulation 10yr 20% bonds is 53, 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.
Dividends
Dividend yield
Matson Money Growth Simulation 10yr 20% bonds provided a 2.96% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.96% | 2.94% | 3.10% | 3.14% | 3.02% | 1.97% | 2.64% | 3.19% | 2.45% | 2.63% | 2.54% | 2.63% |
| Portfolio components: | ||||||||||||
DLS WisdomTree International SmallCap Dividend | 4.06% | 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 | 1.44% | 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 | 1.84% | 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 | 1.40% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.17% | 1.70% | 1.92% | 2.04% | 1.76% |
IEMG iShares Core MSCI Emerging Markets ETF | 3.22% | 3.20% | 2.89% | 2.70% | 3.06% | 1.87% | 3.15% | 2.76% | 2.34% | 2.28% | 2.52% | 2.30% |
VGLT Vanguard Long-Term Treasury ETF | 4.46% | 4.33% | 3.33% | 2.83% | 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 | 3.13% | 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 | 4.77% | 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 | 3.66% | 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 | 3.07% | 3.26% | 2.97% | 2.80% | 3.19% | 2.08% | 2.95% | 3.06% | 2.35% | 2.58% | 2.26% | 2.90% |
SCHV Schwab U.S. Large-Cap Value ETF | 2.43% | 2.25% | 2.42% | 2.38% | 1.93% | 3.03% | 3.02% | 3.05% | 2.37% | 3.96% | 2.69% | 2.38% |
VGSH Vanguard Short-Term Treasury ETF | 4.16% | 4.19% | 3.32% | 1.15% | 0.66% | 1.75% | 2.28% | 1.79% | 1.10% | 0.84% | 0.71% | 0.46% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 3.77% | 3.77% | 3.16% | 2.02% | 1.00% | 1.62% | 2.31% | 2.11% | 1.65% | 1.45% | 1.56% | 1.44% |
SCHO Schwab Short-Term U.S. Treasury ETF | 4.21% | 4.29% | 3.76% | 1.34% | 0.41% | 1.27% | 2.26% | 1.78% | 1.12% | 0.82% | 0.68% | 0.47% |
FNDC Schwab Fundamental International Small Co. Index ETF | 3.34% | 3.59% | 2.86% | 1.98% | 2.58% | 1.77% | 2.71% | 2.68% | 1.94% | 1.96% | 1.30% | 1.61% |
GOVI Invesco Equal Weight 0-30 Years Treasury ETF | 3.96% | 3.57% | 2.88% | 1.97% | 1.15% | 1.00% | 1.96% | 2.14% | 2.02% | 2.00% | 2.14% | 2.30% |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the Matson Money Growth Simulation 10yr 20% bonds. 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 Matson Money Growth Simulation 10yr 20% bonds was 31.04%, occurring on Mar 23, 2020. Recovery took 166 trading sessions.
The current Matson Money Growth Simulation 10yr 20% bonds drawdown is 7.46%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -31.04% | Jan 17, 2020 | 45 | Mar 23, 2020 | 166 | Nov 16, 2020 | 211 |
| -20.66% | Nov 9, 2021 | 225 | Sep 30, 2022 | 306 | Dec 19, 2023 | 531 |
| -18.6% | Jan 29, 2018 | 229 | Dec 24, 2018 | 246 | Dec 16, 2019 | 475 |
| -15.86% | May 22, 2015 | 183 | Feb 11, 2016 | 128 | Aug 15, 2016 | 311 |
| -12.35% | Dec 3, 2024 | 86 | Apr 8, 2025 | — | — | — |
Volatility
Volatility Chart
The current Matson Money Growth Simulation 10yr 20% bonds volatility is 8.86%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 16 assets, with an effective number of assets of 9.03, 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
| VGSH | SCHO | SCHR | VGLT | GOVI | EWX | RWJ | DFEVX | IEMG | DFSVX | DLS | SCHX | SCHV | FNDC | DFIVX | SCHF | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VGSH | 1.00 | 0.84 | 0.80 | 0.59 | 0.64 | -0.04 | -0.14 | -0.09 | -0.07 | -0.17 | -0.04 | -0.13 | -0.15 | -0.05 | -0.09 | -0.06 |
| SCHO | 0.84 | 1.00 | 0.80 | 0.59 | 0.64 | -0.06 | -0.14 | -0.10 | -0.08 | -0.17 | -0.04 | -0.14 | -0.15 | -0.05 | -0.10 | -0.07 |
| SCHR | 0.80 | 0.80 | 1.00 | 0.85 | 0.89 | -0.08 | -0.18 | -0.13 | -0.10 | -0.22 | -0.08 | -0.16 | -0.18 | -0.08 | -0.15 | -0.09 |
| VGLT | 0.59 | 0.59 | 0.85 | 1.00 | 0.97 | -0.12 | -0.21 | -0.17 | -0.13 | -0.25 | -0.14 | -0.18 | -0.21 | -0.14 | -0.21 | -0.14 |
| GOVI | 0.64 | 0.64 | 0.89 | 0.97 | 1.00 | -0.12 | -0.20 | -0.16 | -0.13 | -0.24 | -0.12 | -0.17 | -0.20 | -0.12 | -0.19 | -0.13 |
| EWX | -0.04 | -0.06 | -0.08 | -0.12 | -0.12 | 1.00 | 0.55 | 0.83 | 0.90 | 0.58 | 0.74 | 0.67 | 0.63 | 0.75 | 0.71 | 0.76 |
| RWJ | -0.14 | -0.14 | -0.18 | -0.21 | -0.20 | 0.55 | 1.00 | 0.54 | 0.56 | 0.95 | 0.65 | 0.74 | 0.79 | 0.67 | 0.69 | 0.67 |
| DFEVX | -0.09 | -0.10 | -0.13 | -0.17 | -0.16 | 0.83 | 0.54 | 1.00 | 0.88 | 0.58 | 0.72 | 0.64 | 0.62 | 0.74 | 0.75 | 0.75 |
| IEMG | -0.07 | -0.08 | -0.10 | -0.13 | -0.13 | 0.90 | 0.56 | 0.88 | 1.00 | 0.59 | 0.77 | 0.70 | 0.64 | 0.78 | 0.75 | 0.81 |
| DFSVX | -0.17 | -0.17 | -0.22 | -0.25 | -0.24 | 0.58 | 0.95 | 0.58 | 0.59 | 1.00 | 0.68 | 0.77 | 0.84 | 0.70 | 0.74 | 0.71 |
| DLS | -0.04 | -0.04 | -0.08 | -0.14 | -0.12 | 0.74 | 0.65 | 0.72 | 0.77 | 0.68 | 1.00 | 0.75 | 0.74 | 0.96 | 0.88 | 0.93 |
| SCHX | -0.13 | -0.14 | -0.16 | -0.18 | -0.17 | 0.67 | 0.74 | 0.64 | 0.70 | 0.77 | 0.75 | 1.00 | 0.89 | 0.77 | 0.73 | 0.81 |
| SCHV | -0.15 | -0.15 | -0.18 | -0.21 | -0.20 | 0.63 | 0.79 | 0.62 | 0.64 | 0.84 | 0.74 | 0.89 | 1.00 | 0.75 | 0.77 | 0.79 |
| FNDC | -0.05 | -0.05 | -0.08 | -0.14 | -0.12 | 0.75 | 0.67 | 0.74 | 0.78 | 0.70 | 0.96 | 0.77 | 0.75 | 1.00 | 0.90 | 0.94 |
| DFIVX | -0.09 | -0.10 | -0.15 | -0.21 | -0.19 | 0.71 | 0.69 | 0.75 | 0.75 | 0.74 | 0.88 | 0.73 | 0.77 | 0.90 | 1.00 | 0.93 |
| SCHF | -0.06 | -0.07 | -0.09 | -0.14 | -0.13 | 0.76 | 0.67 | 0.75 | 0.81 | 0.71 | 0.93 | 0.81 | 0.79 | 0.94 | 0.93 | 1.00 |