Rollover IRA (Optimized)
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FBALX Fidelity Balanced Fund | Diversified Portfolio | 0% |
FSPSX Fidelity International Index Fund | Large Cap Blend Equities, Foreign Large Cap Equities | 23.38% |
FXAIX Fidelity 500 Index Fund | Large Cap Blend Equities | 44.35% |
FXNAX Fidelity U.S. Bond Index Fund | Total Bond Market | 32.27% |
Performance
Performance Chart
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The earliest data available for this chart is Sep 14, 2011, corresponding to the inception date of FSPSX
Returns By Period
As of May 17, 2025, the Rollover IRA (Optimized) returned 4.45% Year-To-Date and 7.55% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 1.30% | 12.94% | 1.49% | 12.48% | 15.82% | 10.87% |
| Rollover IRA (Optimized) | 4.45% | 7.03% | 4.56% | 9.86% | 10.28% | 7.55% |
| Portfolio components: | ||||||
FXAIX Fidelity 500 Index Fund | 0.61% | 11.77% | 0.98% | 12.65% | 17.19% | 12.49% |
FBALX Fidelity Balanced Fund | 0.76% | 7.86% | -0.14% | 4.49% | 6.60% | 4.57% |
FXNAX Fidelity U.S. Bond Index Fund | 1.78% | -0.19% | 1.88% | 4.43% | -1.18% | 1.36% |
FSPSX Fidelity International Index Fund | 15.23% | 8.50% | 14.67% | 10.73% | 12.84% | 5.68% |
Monthly Returns
The table below presents the monthly returns of Rollover IRA (Optimized), 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 | 2.56% | 0.83% | -2.43% | 0.75% | 2.75% | 4.45% | |||||||
| 2024 | 0.71% | 2.55% | 2.43% | -3.23% | 3.88% | 1.35% | 2.05% | 2.23% | 1.69% | -2.50% | 2.85% | -2.14% | 12.21% |
| 2023 | 5.88% | -2.59% | 3.16% | 1.46% | -1.00% | 3.90% | 2.06% | -1.80% | -3.86% | -2.13% | 7.50% | 4.41% | 17.53% |
| 2022 | -3.85% | -2.41% | 0.71% | -6.66% | 0.80% | -6.23% | 6.00% | -4.01% | -7.68% | 4.51% | 6.96% | -3.31% | -15.36% |
| 2021 | -0.96% | 1.25% | 2.14% | 3.33% | 1.25% | 0.96% | 1.59% | 1.70% | -3.14% | 3.71% | -1.25% | 3.01% | 14.23% |
| 2020 | 0.06% | -4.81% | -8.64% | 7.70% | 3.53% | 1.88% | 3.46% | 4.14% | -2.33% | -2.53% | 8.65% | 2.94% | 13.40% |
| 2019 | 5.41% | 2.01% | 1.69% | 2.43% | -3.45% | 4.83% | 0.30% | -0.32% | 1.30% | 1.86% | 1.89% | 2.03% | 21.58% |
| 2018 | 3.36% | -3.17% | -1.20% | 0.33% | 0.79% | -0.09% | 2.37% | 1.11% | 0.30% | -5.13% | 1.12% | -4.66% | -5.14% |
| 2017 | 1.66% | 2.26% | 0.78% | 1.24% | 1.70% | 0.26% | 1.73% | 0.41% | 1.31% | 1.41% | 1.51% | 0.96% | 16.34% |
| 2016 | -3.10% | -0.46% | 4.68% | 0.81% | 0.73% | 0.13% | 2.83% | 0.11% | 0.33% | -1.59% | 0.39% | 1.36% | 6.19% |
| 2015 | -0.40% | 3.54% | -0.88% | 1.24% | 0.43% | -1.87% | 1.59% | -4.45% | -1.86% | 5.41% | -0.17% | -1.43% | 0.78% |
| 2014 | -2.05% | 3.53% | 0.17% | 0.96% | 1.79% | 1.17% | -1.28% | 2.19% | -1.71% | 1.23% | 1.54% | -0.67% | 6.91% |
Expense Ratio
Rollover IRA (Optimized) has an expense ratio of 0.02%, 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 Rollover IRA (Optimized) is 57, 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.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
FXAIX Fidelity 500 Index Fund | 0.63 | 1.02 | 1.15 | 0.67 | 2.59 |
FBALX Fidelity Balanced Fund | 0.32 | 0.57 | 1.08 | 0.33 | 1.13 |
FXNAX Fidelity U.S. Bond Index Fund | 0.79 | 1.25 | 1.15 | 0.33 | 2.05 |
FSPSX Fidelity International Index Fund | 0.61 | 0.99 | 1.14 | 0.79 | 2.28 |
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Dividends
Dividend yield
Rollover IRA (Optimized) provided a 2.40% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.40% | 2.41% | 2.24% | 2.15% | 1.84% | 1.82% | 2.52% | 2.74% | 2.27% | 2.65% | 2.77% | 2.83% |
| Portfolio components: | ||||||||||||
FXAIX Fidelity 500 Index Fund | 1.55% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 2.06% | 2.72% | 1.97% | 2.52% | 2.83% | 2.63% |
FBALX Fidelity Balanced Fund | 1.83% | 1.81% | 1.70% | 1.47% | 0.88% | 1.29% | 1.70% | 1.85% | 1.58% | 1.61% | 7.96% | 10.55% |
FXNAX Fidelity U.S. Bond Index Fund | 3.48% | 3.40% | 2.92% | 2.41% | 1.81% | 2.10% | 2.69% | 2.74% | 2.52% | 2.52% | 2.69% | 2.59% |
FSPSX Fidelity International Index Fund | 2.52% | 3.27% | 2.79% | 2.66% | 3.07% | 1.84% | 3.18% | 2.79% | 2.50% | 3.08% | 2.79% | 3.53% |
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 Rollover IRA (Optimized). 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 Rollover IRA (Optimized) was 23.07%, occurring on Mar 23, 2020. Recovery took 84 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -23.07% | Feb 13, 2020 | 27 | Mar 23, 2020 | 84 | Jul 22, 2020 | 111 |
| -22.27% | Jan 5, 2022 | 198 | Oct 14, 2022 | 326 | Jan 29, 2024 | 524 |
| -12.39% | Jan 29, 2018 | 231 | Dec 24, 2018 | 68 | Apr 3, 2019 | 299 |
| -10.61% | Feb 19, 2025 | 35 | Apr 8, 2025 | 26 | May 15, 2025 | 61 |
| -10.42% | May 22, 2015 | 183 | Feb 11, 2016 | 104 | Jul 12, 2016 | 287 |
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 4 assets, with an effective number of assets of 2.81, 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
| ^GSPC | FXNAX | FSPSX | FBALX | FXAIX | Portfolio | |
|---|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.14 | 0.76 | 0.96 | 1.00 | 0.95 |
| FXNAX | -0.14 | 1.00 | -0.07 | -0.03 | -0.14 | 0.01 |
| FSPSX | 0.76 | -0.07 | 1.00 | 0.77 | 0.76 | 0.89 |
| FBALX | 0.96 | -0.03 | 0.77 | 1.00 | 0.96 | 0.95 |
| FXAIX | 1.00 | -0.14 | 0.76 | 0.96 | 1.00 | 0.95 |
| Portfolio | 0.95 | 0.01 | 0.89 | 0.95 | 0.95 | 1.00 |