Inherited Roth Ira

Asset Allocation

Position	Category/Sector	Target Weight
AEPGX American Funds EuroPacific Growth Fund Class A	Foreign Large Cap Equities	9.20%
BIL SPDR Barclays 1-3 Month T-Bill ETF	Government Bonds	9.70%
IGIB iShares Intermediate-Term Corporate Bond ETF	Corporate Bonds	9%
IVV iShares Core S&P 500 ETF	S&P 500	28%
NLSIX Neuberger Berman Long Short Fund	Long-Short	9.40%
VB Vanguard Small-Cap ETF	Small Cap Growth Equities	8%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	Corporate Bonds	9.50%
VO Vanguard Mid-Cap ETF	Mid Cap Growth Equities	17.20%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Inherited Roth Ira, 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 29, 2011, corresponding to the inception date of NLSIX

Returns By Period

As of Apr 2, 2026, the Inherited Roth Ira returned -0.89% Year-To-Date and 9.03% 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 Inherited Roth Ira	0.19%	-2.32%	-0.89%	0.20%	12.66%	11.74%	6.43%	9.03%
Portfolio components:
IVV iShares Core S&P 500 ETF	0.14%	-3.32%	-3.54%	-1.40%	17.62%	18.49%	11.96%	14.16%
IGIB iShares Intermediate-Term Corporate Bond ETF	0.28%	-1.22%	-0.09%	0.64%	6.22%	5.69%	1.64%	3.12%
NLSIX Neuberger Berman Long Short Fund	0.31%	-1.06%	-2.09%	-1.45%	4.79%	6.97%	4.95%	6.54%
AEPGX American Funds EuroPacific Growth Fund Class A	1.86%	-2.89%	-1.12%	2.17%	23.03%	11.27%	2.48%	7.65%
BIL SPDR Barclays 1-3 Month T-Bill ETF	0.02%	0.31%	0.90%	1.85%	4.01%	4.71%	3.28%	2.13%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	0.27%	-1.21%	-0.05%	0.65%	6.13%	5.48%	1.50%	3.09%
VO Vanguard Mid-Cap ETF	0.33%	-3.56%	0.29%	-0.79%	12.40%	13.03%	6.87%	10.86%
VB Vanguard Small-Cap ETF	0.47%	-3.05%	2.99%	3.93%	18.72%	13.45%	5.57%	10.71%

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

Monthly Returns

Based on dividend-adjusted daily data since Dec 30, 2011, Inherited Roth Ira's average daily return is +0.04%, while the average monthly return is +0.77%. At this rate, your investment would double in approximately 7.5 years.

Historically, 70% of months were positive and 30% were negative. The best month was Apr 2020 with a return of +9.4%, while the worst month was Mar 2020 at -11.4%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Inherited Roth Ira closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +5.5%, while the worst single day was Mar 16, 2020 at -7.7%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.69%	0.99%	-4.23%	0.78%									-0.89%
2025	2.69%	-0.65%	-3.20%	-0.10%	3.95%	3.31%	1.21%	1.91%	2.01%	0.99%	0.38%	0.17%	13.20%
2024	0.14%	2.95%	2.65%	-3.24%	3.05%	0.80%	2.23%	1.91%	1.69%	-1.22%	4.52%	-3.12%	12.70%
2023	5.76%	-2.39%	1.91%	0.55%	-0.88%	4.57%	2.38%	-1.75%	-3.72%	-2.39%	7.18%	4.76%	16.38%
2022	-4.75%	-1.79%	1.00%	-6.34%	0.31%	-6.07%	6.58%	-3.11%	-7.24%	5.05%	5.32%	-3.64%	-14.85%
2021	-0.72%	2.15%	1.78%	3.42%	0.64%	1.11%	0.98%	1.92%	-3.05%	3.86%	-1.77%	2.73%	13.59%

Benchmark Metrics

Inherited Roth Ira has an annualized alpha of 1.02%, beta of 0.65, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since December 30, 2011.

This portfolio participated in 72.95% of S&P 500 Index downside but only 68.27% of its upside — more exposed to losses than it benefited from rallies.
Beta of 0.65 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: 1.02%

Beta: 0.65

R²: 0.95

Upside Capture: 68.27%

Downside Capture: 72.95%

Expense Ratio

Inherited Roth Ira has an expense ratio of 0.24%, 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.

NLSIX

Neuberger Berman Long Short Fund

AEPGX

American Funds EuroPacific Growth Fund Class A

BIL

SPDR Barclays 1-3 Month T-Bill ETF

IGIB

iShares Intermediate-Term Corporate Bond ETF

Vanguard Small-Cap ETF

VCIT

Vanguard Intermediate-Term Corporate Bond ETF

Vanguard Mid-Cap ETF

IVV

iShares Core S&P 500 ETF

Return for Risk

Risk / Return Rank

Inherited Roth Ira ranks 35 for risk / return — below 35% 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.

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	1.09	0.88	+0.20
Sortino ratio Return per unit of downside risk	1.61	1.37	+0.24
Omega ratio Gain probability vs. loss probability	1.24	1.21	+0.03
Calmar ratio Return relative to maximum drawdown	1.55	1.39	+0.16
Martin ratio Return relative to average drawdown	7.18	6.43	+0.74
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
IVV iShares Core S&P 500 ETF	54	0.97	1.48	1.23	1.52	7.13
IGIB iShares Intermediate-Term Corporate Bond ETF	66	1.29	1.80	1.24	2.10	7.41
NLSIX Neuberger Berman Long Short Fund	27	0.75	1.14	1.16	1.19	4.41
AEPGX American Funds EuroPacific Growth Fund Class A	67	1.43	1.93	1.28	1.93	7.25
BIL SPDR Barclays 1-3 Month T-Bill ETF	100	19.57	254.91	180.89	367.86	4,130.10
VCIT Vanguard Intermediate-Term Corporate Bond ETF	65	1.27	1.77	1.24	2.10	7.27
VO Vanguard Mid-Cap ETF	36	0.71	1.10	1.16	1.06	4.79
VB Vanguard Small-Cap ETF	46	0.86	1.35	1.18	1.44	6.15

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.

Inherited Roth Ira Sharpe ratios as of Apr 2, 2026 (values are recalculated daily):

1-Year: 1.09
5-Year: 0.56
10-Year: 0.75
All Time: 0.83

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 Inherited Roth Ira 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

Inherited Roth Ira provided a 3.24% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	3.24%	3.21%	2.45%	2.38%	2.38%	1.71%	1.54%	2.20%	3.01%	1.86%	1.59%	1.83%
Portfolio components:
IVV iShares Core S&P 500 ETF	1.22%	1.17%	1.30%	1.44%	1.66%	1.20%	1.57%	1.85%	2.21%	1.75%	2.01%	2.27%
IGIB iShares Intermediate-Term Corporate Bond ETF	4.74%	4.59%	4.41%	3.78%	3.04%	2.52%	2.74%	3.44%	3.41%	2.51%	2.45%	2.51%
NLSIX Neuberger Berman Long Short Fund	0.05%	0.05%	0.02%	0.97%	7.01%	1.13%	2.15%	2.39%	5.91%	0.00%	0.00%	0.01%
AEPGX American Funds EuroPacific Growth Fund Class A	13.85%	13.69%	4.56%	3.57%	1.72%	5.15%	0.17%	2.79%	6.33%	4.66%	1.24%	3.05%
BIL SPDR Barclays 1-3 Month T-Bill ETF	3.96%	4.13%	5.03%	4.92%	1.35%	0.00%	0.30%	2.05%	1.66%	0.68%	0.07%	0.00%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	4.75%	4.62%	4.43%	3.72%	3.03%	2.87%	2.78%	3.37%	3.61%	3.21%	3.29%	3.34%
VO Vanguard Mid-Cap ETF	1.49%	1.52%	1.49%	1.52%	1.60%	1.12%	1.45%	1.48%	1.82%	1.35%	1.45%	1.47%
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%

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 Inherited Roth Ira. 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 Inherited Roth Ira was 25.96%, occurring on Mar 23, 2020. Recovery took 93 trading sessions.

The current Inherited Roth Ira drawdown is 4.12%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-25.96%	Feb 20, 2020	23	Mar 23, 2020	93	Aug 4, 2020	116
-20.94%	Nov 9, 2021	235	Oct 14, 2022	331	Feb 9, 2024	566
-13.76%	Aug 30, 2018	80	Dec 24, 2018	66	Apr 1, 2019	146
-12.25%	Feb 19, 2025	35	Apr 8, 2025	43	Jun 10, 2025	78
-11.97%	May 22, 2015	183	Feb 11, 2016	103	Jul 11, 2016	286

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 8 assets, with an effective number of assets of 6.32, 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

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	Benchmark	BIL	VCIT	IGIB	AEPGX	NLSIX	VB	VO	IVV	Portfolio
Benchmark	1.00	0.01	0.08	0.10	0.77	0.85	0.86	0.92	1.00	0.97
BIL	0.01	1.00	0.02	0.01	0.00	0.02	-0.01	0.00	0.01	0.01
VCIT	0.08	0.02	1.00	0.91	0.13	0.10	0.08	0.10	0.08	0.18
IGIB	0.10	0.01	0.91	1.00	0.14	0.11	0.09	0.12	0.10	0.19
AEPGX	0.77	0.00	0.13	0.14	1.00	0.69	0.73	0.76	0.77	0.83
NLSIX	0.85	0.02	0.10	0.11	0.69	1.00	0.73	0.80	0.84	0.85
VB	0.86	-0.01	0.08	0.09	0.73	0.73	1.00	0.95	0.86	0.93
VO	0.92	0.00	0.10	0.12	0.76	0.80	0.95	1.00	0.92	0.97
IVV	1.00	0.01	0.08	0.10	0.77	0.84	0.86	0.92	1.00	0.97
Portfolio	0.97	0.01	0.18	0.19	0.83	0.85	0.93	0.97	0.97	1.00

The correlation results are calculated based on daily price changes starting from Dec 30, 2011

Inherited Roth Ira

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

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