Retirement 2
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Retirement 2, 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.
The earliest data available for this chart is Nov 15, 2018, corresponding to the inception date of VGCAX
Returns By Period
Monthly Returns
The table below presents the monthly returns of Retirement 2, 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 | 2.57% | -0.31% | -3.34% | -6.38% | -7.47% | ||||||||
| 2024 | -0.05% | 3.17% | 2.61% | -3.39% | 3.65% | 1.48% | 2.26% | 1.93% | 2.03% | -1.87% | 3.92% | -2.81% | 13.33% |
| 2023 | 6.29% | -2.75% | 2.39% | 0.92% | -0.87% | 4.32% | 2.74% | -2.18% | -3.80% | -2.50% | 7.75% | 4.85% | 17.62% |
| 2022 | -4.34% | -2.33% | 0.42% | -6.93% | 0.25% | -6.51% | 6.16% | -3.54% | -7.86% | 4.37% | 6.52% | -3.81% | -17.42% |
| 2021 | -0.25% | 1.40% | 1.43% | 3.24% | 0.95% | 1.32% | 0.78% | 1.69% | -3.21% | 3.65% | -1.71% | 1.81% | 11.47% |
| 2020 | -0.09% | -4.41% | -10.26% | 7.69% | 3.79% | 2.33% | 3.92% | 3.61% | -1.86% | -1.32% | 8.46% | 2.57% | 13.72% |
| 2019 | 5.75% | 1.92% | 1.42% | 2.30% | -3.40% | 4.70% | 0.39% | -0.54% | 1.08% | 1.64% | 1.76% | 1.90% | 20.31% |
| 2018 | 0.65% | -4.58% | -3.96% |
Expense Ratio
Retirement 2 has an expense ratio of 0.08%, 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 Retirement 2 is 52, 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
Retirement 2 provided a 2.84% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.84% | 2.77% | 2.73% | 2.28% | 2.00% | 1.79% | 2.53% | 2.52% | 2.01% | 2.10% | 2.09% | 2.13% |
| Portfolio components: | ||||||||||||
VFIAX Vanguard 500 Index Fund Admiral Shares | 1.49% | 1.24% | 1.45% | 1.68% | 1.24% | 1.53% | 1.87% | 2.05% | 1.78% | 2.02% | 2.10% | 1.85% |
VEGBX Vanguard Emerging Markets Bond Fund Admiral Shares | 6.93% | 6.52% | 7.21% | 5.62% | 3.67% | 3.40% | 4.55% | 5.01% | 0.39% | 0.00% | 0.00% | 0.00% |
VGCAX Vanguard Global Credit Bond Fund Admiral Shares | 4.85% | 4.65% | 4.49% | 2.72% | 1.62% | 2.35% | 3.66% | 0.36% | 0.00% | 0.00% | 0.00% | 0.00% |
VIGAX Vanguard Growth Index Fund Admiral Shares | 0.57% | 0.46% | 0.57% | 0.69% | 0.47% | 0.66% | 0.94% | 1.31% | 1.14% | 1.39% | 1.31% | 1.21% |
VITNX Vanguard Institutional Total Stock Market Index Fund Institutional Shares | 1.55% | 1.31% | 1.47% | 1.70% | 1.25% | 1.64% | 1.81% | 2.19% | 1.72% | 2.02% | 2.28% | 1.78% |
VBILX Vanguard Intermediate-Term Bond Index Fund Admiral Shares | 3.44% | 3.80% | 3.09% | 2.36% | 1.93% | 2.23% | 2.74% | 2.87% | 2.65% | 2.66% | 2.74% | 2.84% |
VWILX Vanguard International Growth Fund Admiral Shares | 1.04% | 0.95% | 1.10% | 1.50% | 1.08% | 0.31% | 1.30% | 1.79% | 0.84% | 1.42% | 1.53% | 2.46% |
VIMAX Vanguard Mid-Cap Index Fund Admiral Shares | 1.76% | 1.48% | 1.51% | 1.59% | 1.11% | 1.44% | 1.47% | 1.82% | 1.35% | 1.45% | 1.47% | 1.29% |
VSCIX Vanguard Small-Cap Index Fund Institutional Shares | 1.69% | 1.31% | 1.56% | 1.55% | 1.25% | 1.15% | 1.40% | 1.68% | 1.36% | 1.50% | 1.49% | 1.44% |
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares | 3.35% | 3.69% | 3.12% | 2.54% | 1.91% | 2.25% | 2.74% | 2.78% | 2.53% | 2.49% | 2.51% | 2.57% |
VXUS Vanguard Total International Stock ETF | 3.40% | 3.37% | 3.25% | 3.09% | 3.10% | 2.14% | 3.06% | 3.17% | 2.73% | 2.93% | 2.83% | 3.40% |
VTABX Vanguard Total International Bond Index Fund Admiral Shares | 4.23% | 4.15% | 4.39% | 1.48% | 3.04% | 0.93% | 3.38% | 2.99% | 2.24% | 1.90% | 1.64% | 1.54% |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 3.34% | 3.33% | 3.21% | 3.05% | 3.05% | 2.10% | 3.04% | 3.17% | 2.74% | 2.93% | 2.84% | 3.40% |
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares | 1.50% | 1.26% | 1.43% | 1.65% | 1.20% | 1.41% | 1.77% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
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 Retirement 2. 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 Retirement 2 was 24.51%, occurring on Oct 14, 2022. Recovery took 349 trading sessions.
The current Retirement 2 drawdown is 8.84%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -24.51% | Nov 9, 2021 | 235 | Oct 14, 2022 | 349 | Mar 7, 2024 | 584 |
| -23.79% | Feb 20, 2020 | 23 | Mar 23, 2020 | 93 | Aug 4, 2020 | 116 |
| -11.15% | Feb 19, 2025 | 33 | Apr 4, 2025 | — | — | — |
| -8.43% | Dec 4, 2018 | 14 | Dec 24, 2018 | 25 | Jan 31, 2019 | 39 |
| -5.68% | Jul 17, 2024 | 14 | Aug 5, 2024 | 12 | Aug 21, 2024 | 26 |
Volatility
Volatility Chart
The current Retirement 2 volatility is 6.26%, 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
Asset Correlations Table
| VTABX | VBTIX | VBILX | VGCAX | VEGBX | VSCIX | VXUS | VIGAX | VWILX | VTIAX | VIMAX | VFIAX | VITNX | VTSAX | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VTABX | 1.00 | 0.77 | 0.77 | 0.84 | 0.46 | 0.01 | 0.03 | 0.06 | 0.06 | 0.03 | 0.04 | 0.02 | 0.03 | 0.02 |
| VBTIX | 0.77 | 1.00 | 0.97 | 0.91 | 0.51 | -0.01 | 0.01 | 0.03 | 0.05 | 0.02 | 0.02 | -0.01 | -0.00 | -0.00 |
| VBILX | 0.77 | 0.97 | 1.00 | 0.91 | 0.52 | -0.02 | 0.03 | 0.03 | 0.05 | 0.03 | 0.01 | -0.01 | -0.01 | -0.01 |
| VGCAX | 0.84 | 0.91 | 0.91 | 1.00 | 0.64 | 0.09 | 0.13 | 0.13 | 0.15 | 0.14 | 0.12 | 0.09 | 0.10 | 0.10 |
| VEGBX | 0.46 | 0.51 | 0.52 | 0.64 | 1.00 | 0.33 | 0.42 | 0.33 | 0.41 | 0.44 | 0.35 | 0.34 | 0.34 | 0.34 |
| VSCIX | 0.01 | -0.01 | -0.02 | 0.09 | 0.33 | 1.00 | 0.78 | 0.76 | 0.75 | 0.78 | 0.96 | 0.86 | 0.90 | 0.91 |
| VXUS | 0.03 | 0.01 | 0.03 | 0.13 | 0.42 | 0.78 | 1.00 | 0.72 | 0.89 | 0.99 | 0.80 | 0.80 | 0.81 | 0.81 |
| VIGAX | 0.06 | 0.03 | 0.03 | 0.13 | 0.33 | 0.76 | 0.72 | 1.00 | 0.81 | 0.72 | 0.82 | 0.94 | 0.93 | 0.93 |
| VWILX | 0.06 | 0.05 | 0.05 | 0.15 | 0.41 | 0.75 | 0.89 | 0.81 | 1.00 | 0.89 | 0.78 | 0.79 | 0.80 | 0.81 |
| VTIAX | 0.03 | 0.02 | 0.03 | 0.14 | 0.44 | 0.78 | 0.99 | 0.72 | 0.89 | 1.00 | 0.80 | 0.80 | 0.80 | 0.81 |
| VIMAX | 0.04 | 0.02 | 0.01 | 0.12 | 0.35 | 0.96 | 0.80 | 0.82 | 0.78 | 0.80 | 1.00 | 0.92 | 0.94 | 0.95 |
| VFIAX | 0.02 | -0.01 | -0.01 | 0.09 | 0.34 | 0.86 | 0.80 | 0.94 | 0.79 | 0.80 | 0.92 | 1.00 | 0.99 | 0.99 |
| VITNX | 0.03 | -0.00 | -0.01 | 0.10 | 0.34 | 0.90 | 0.81 | 0.93 | 0.80 | 0.80 | 0.94 | 0.99 | 1.00 | 1.00 |
| VTSAX | 0.02 | -0.00 | -0.01 | 0.10 | 0.34 | 0.91 | 0.81 | 0.93 | 0.81 | 0.81 | 0.95 | 0.99 | 1.00 | 1.00 |