Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | Dividend | 15% |
SCHG Schwab U.S. Large-Cap Growth ETF | Large Cap Growth Equities | 15% |
TDIV First Trust NASDAQ Technology Dividend Index Fund | Technology Equities, Dividend | 10% |
VOO Vanguard S&P 500 ETF | S&P 500 | 25% |
VTV Vanguard Value ETF | Large Cap Value Equities | 35% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 75/25 Income, 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 Aug 14, 2012, corresponding to the inception date of TDIV
Returns By Period
As of Apr 9, 2026, the 75/25 Income returned 3.28% Year-To-Date and 14.32% of annualized return in the last 10 years.
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 2.51% | -0.19% | -0.92% | 0.43% | 36.13% | 18.22% | 10.44% | 12.72% |
Portfolio 75/25 Income | 2.16% | 0.47% | 3.28% | 4.70% | 37.72% | 18.73% | 11.80% | 14.32% |
| Portfolio components: | ||||||||
VTV Vanguard Value ETF | 2.23% | 1.31% | 6.34% | 9.13% | 34.26% | 15.98% | 11.25% | 12.27% |
VOO Vanguard S&P 500 ETF | 2.52% | -0.08% | -0.61% | 1.02% | 37.67% | 19.83% | 12.02% | 14.63% |
SCHG Schwab U.S. Large-Cap Growth ETF | 2.43% | -1.66% | -6.84% | -6.47% | 36.84% | 23.75% | 12.49% | 17.47% |
SCHD Schwab U.S. Dividend Equity ETF | 0.98% | 0.33% | 13.46% | 15.67% | 31.80% | 12.37% | 8.29% | 12.43% |
TDIV First Trust NASDAQ Technology Dividend Index Fund | 2.27% | 0.35% | 0.53% | -2.45% | 52.86% | 24.00% | 13.68% | 16.37% |
Monthly Returns
Based on dividend-adjusted daily data since Aug 15, 2012, 75/25 Income's average daily return is +0.06%, while the average monthly return is +1.16%. At this rate, your investment would double in approximately 5.0 years.
Historically, 70% of months were positive and 30% were negative. The best month was Apr 2020 with a return of +12.0%, while the worst month was Mar 2020 at -12.7%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.
On a daily basis, 75/25 Income closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +9.2%, while the worst single day was Mar 16, 2020 at -11.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.19% | 1.61% | -4.47% | 3.11% | 3.28% | ||||||||
| 2025 | 3.09% | -0.43% | -4.29% | -2.42% | 5.18% | 5.07% | 1.18% | 2.82% | 2.96% | 1.08% | 0.79% | 0.26% | 15.93% |
| 2024 | 1.36% | 4.15% | 3.88% | -4.03% | 4.31% | 2.56% | 2.86% | 2.39% | 1.95% | -1.04% | 5.47% | -3.86% | 21.30% |
| 2023 | 5.15% | -2.68% | 2.74% | 0.89% | -0.56% | 6.27% | 3.44% | -1.68% | -4.32% | -2.50% | 8.40% | 5.10% | 21.16% |
| 2022 | -3.84% | -2.41% | 3.45% | -7.31% | 1.52% | -8.23% | 7.26% | -3.82% | -8.88% | 9.28% | 6.01% | -4.90% | -13.18% |
| 2021 | -0.66% | 3.62% | 5.72% | 4.28% | 1.56% | 1.17% | 1.66% | 2.58% | -4.32% | 5.88% | -1.18% | 5.45% | 28.36% |
Benchmark Metrics
75/25 Income has an annualized alpha of 2.13%, beta of 0.95, and R² of 0.98 versus S&P 500 Index. Calculated based on daily prices since August 15, 2012.
- This portfolio captured 102.06% of S&P 500 Index gains but only 93.50% of its losses — a favorable profile for investors.
- This portfolio generated an annualized alpha of 2.13% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- With beta of 0.95 and R² of 0.98, this portfolio moves broadly in line with S&P 500 Index — much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- 2.13%
- Beta
- 0.95
- R²
- 0.98
- Upside Capture
- 102.06%
- Downside Capture
- 93.50%
Expense Ratio
75/25 Income has an expense ratio of 0.09%, 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.
Return for Risk
Risk / Return Rank
75/25 Income ranks 71 for risk / return — better than 71% of portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.57 | 2.19 | +0.39 |
Sortino ratioReturn per unit of downside risk | 4.10 | 3.49 | +0.61 |
Omega ratioGain probability vs. loss probability | 1.57 | 1.48 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 5.01 | 3.70 | +1.31 |
Martin ratioReturn relative to average drawdown | 20.73 | 16.45 | +4.29 |
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 | |
|---|---|---|---|---|---|---|
VTV Vanguard Value ETF | 87 | 2.63 | 4.15 | 1.53 | 4.95 | 18.55 |
VOO Vanguard S&P 500 ETF | 80 | 2.30 | 3.63 | 1.50 | 3.94 | 17.63 |
SCHG Schwab U.S. Large-Cap Growth ETF | 48 | 1.78 | 2.81 | 1.37 | 2.13 | 7.30 |
SCHD Schwab U.S. Dividend Equity ETF | 80 | 2.32 | 3.71 | 1.45 | 5.81 | 14.18 |
TDIV First Trust NASDAQ Technology Dividend Index Fund | 79 | 2.45 | 3.64 | 1.48 | 4.69 | 14.52 |
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Dividends
Dividend yield
75/25 Income provided a 1.70% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.70% | 1.76% | 1.88% | 1.99% | 2.15% | 1.72% | 2.04% | 2.14% | 2.42% | 2.02% | 2.19% | 2.32% |
| Portfolio components: | ||||||||||||
VTV Vanguard Value ETF | 1.97% | 2.05% | 2.31% | 2.46% | 2.52% | 2.15% | 2.56% | 2.50% | 2.73% | 2.29% | 2.44% | 2.60% |
VOO Vanguard S&P 500 ETF | 1.15% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.41% | 0.36% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% |
SCHD Schwab U.S. Dividend Equity ETF | 3.42% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
TDIV First Trust NASDAQ Technology Dividend Index Fund | 1.45% | 1.40% | 1.59% | 1.74% | 2.51% | 1.76% | 2.07% | 2.27% | 2.97% | 2.27% | 2.45% | 2.52% |
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 75/25 Income. 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 75/25 Income was 34.14%, occurring on Mar 23, 2020. Recovery took 111 trading sessions.
The current 75/25 Income drawdown is 1.88%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.14% | Feb 13, 2020 | 27 | Mar 23, 2020 | 111 | Aug 28, 2020 | 138 |
| -21.93% | Jan 5, 2022 | 186 | Sep 30, 2022 | 299 | Dec 8, 2023 | 485 |
| -18.46% | Sep 24, 2018 | 64 | Dec 24, 2018 | 70 | Apr 5, 2019 | 134 |
| -17.15% | Feb 20, 2025 | 34 | Apr 8, 2025 | 54 | Jun 26, 2025 | 88 |
| -13.21% | May 22, 2015 | 183 | Feb 11, 2016 | 46 | Apr 19, 2016 | 229 |
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 5 assets, with an effective number of assets of 4.17, 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
| Benchmark | SCHD | SCHG | TDIV | VTV | VOO | Portfolio | |
|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.82 | 0.94 | 0.88 | 0.88 | 1.00 | 0.98 |
| SCHD | 0.82 | 1.00 | 0.65 | 0.73 | 0.94 | 0.82 | 0.89 |
| SCHG | 0.94 | 0.65 | 1.00 | 0.84 | 0.71 | 0.94 | 0.88 |
| TDIV | 0.88 | 0.73 | 0.84 | 1.00 | 0.76 | 0.88 | 0.89 |
| VTV | 0.88 | 0.94 | 0.71 | 0.76 | 1.00 | 0.88 | 0.94 |
| VOO | 1.00 | 0.82 | 0.94 | 0.88 | 0.88 | 1.00 | 0.98 |
| Portfolio | 0.98 | 0.89 | 0.88 | 0.89 | 0.94 | 0.98 | 1.00 |