Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Roth IRA Current 6.14.2025, 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 Oct 22, 2024, corresponding to the inception date of EUAD
Returns By Period
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.72% | -3.54% | -3.95% | -2.09% | 15.95% | 16.96% | 10.34% | 12.24% |
Portfolio Roth IRA Current 6.14.2025 | 1.26% | -3.11% | 1.46% | 1.91% | 28.81% | — | — | — |
| Portfolio components: | ||||||||
GLDM SPDR Gold MiniShares Trust | 1.74% | -10.65% | 10.46% | 23.17% | 52.61% | 34.09% | 22.33% | — |
FSTA Fidelity MSCI Consumer Staples Index ETF | -0.44% | -6.68% | 6.51% | 5.99% | 3.83% | 7.43% | 7.18% | 7.64% |
HEFA iShares Currency Hedged MSCI EAFE ETF | 1.45% | -3.12% | 4.23% | 11.29% | 24.10% | 17.63% | 13.08% | 12.30% |
FBTC Fidelity Wise Origin Bitcoin Trust | 0.56% | -1.49% | -22.13% | -42.09% | -20.00% | — | — | — |
SPHY SPDR Portfolio High Yield Bond ETF | 0.25% | -0.69% | -0.07% | 1.01% | 7.16% | 8.49% | 4.36% | 5.32% |
VTI Vanguard Total Stock Market ETF | 0.76% | -4.38% | -3.29% | -1.26% | 18.60% | 18.14% | 10.63% | 13.69% |
EPOL iShares MSCI Poland ETF | 0.19% | -2.22% | 3.67% | 15.67% | 35.67% | 39.15% | 18.51% | 9.04% |
VTV Vanguard Value ETF | 0.24% | -4.38% | 3.54% | 6.37% | 16.56% | 15.18% | 10.91% | 11.83% |
FCNTX Fidelity Contrafund Fund | 3.52% | -5.86% | -5.35% | -2.60% | 19.23% | 24.91% | 13.21% | 16.03% |
SHLD Global X Defense Tech ETF | 3.73% | -4.67% | 13.41% | 5.02% | 56.65% | — | — | — |
Monthly Returns
Based on dividend-adjusted daily data since Oct 23, 2024, Roth IRA Current 6.14.2025's average daily return is +0.11%, while the average monthly return is +2.10%. At this rate, your investment would double in approximately 2.8 years.
Historically, 79% of months were positive and 21% were negative. The best month was Sep 2025 with a return of +6.8%, while the worst month was Mar 2026 at -5.5%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 1 months.
On a daily basis, Roth IRA Current 6.14.2025 closed higher 62% of trading days. The best single day was Apr 9, 2025 with a return of +6.4%, while the worst single day was Apr 4, 2025 at -5.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.72% | 1.24% | -5.49% | 1.26% | 1.46% | ||||||||
| 2025 | 6.20% | 2.27% | 1.98% | 4.22% | 5.77% | 4.63% | 1.25% | 1.71% | 6.76% | 0.69% | -1.22% | 1.46% | 41.74% |
| 2024 | -1.80% | 6.16% | -1.81% | 2.35% |
Benchmark Metrics
Roth IRA Current 6.14.2025 has an annualized alpha of 24.35%, beta of 0.64, and R² of 0.65 versus S&P 500 Index. Calculated based on daily prices since October 23, 2024.
- This portfolio captured 123.29% of S&P 500 Index gains and tended to rise during its downturns (downside capture of -10.45%) — a profile typical of hedging or uncorrelated assets.
- This portfolio generated an annualized alpha of 24.35% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
- Beta of 0.64 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
- 24.35%
- Beta
- 0.64
- R²
- 0.65
- Upside Capture
- 123.29%
- Downside Capture
- -10.45%
Expense Ratio
Roth IRA Current 6.14.2025 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.
Top 10 holdings
Return for Risk
Risk / Return Rank
Roth IRA Current 6.14.2025 ranks 88 for risk / return — in the top 88% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.03 | 0.92 | +1.12 |
Sortino ratioReturn per unit of downside risk | 2.85 | 1.41 | +1.44 |
Omega ratioGain probability vs. loss probability | 1.42 | 1.21 | +0.21 |
Calmar ratioReturn relative to maximum drawdown | 3.20 | 1.41 | +1.78 |
Martin ratioReturn relative to average drawdown | 13.42 | 6.61 | +6.80 |
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 | |
|---|---|---|---|---|---|---|
GLDM SPDR Gold MiniShares Trust | 86 | 1.92 | 2.35 | 1.35 | 2.74 | 10.04 |
FSTA Fidelity MSCI Consumer Staples Index ETF | 19 | 0.28 | 0.51 | 1.06 | 0.46 | 1.12 |
HEFA iShares Currency Hedged MSCI EAFE ETF | 77 | 1.45 | 2.03 | 1.31 | 2.08 | 8.91 |
FBTC Fidelity Wise Origin Bitcoin Trust | 6 | -0.44 | -0.37 | 0.96 | -0.36 | -0.75 |
SPHY SPDR Portfolio High Yield Bond ETF | 75 | 1.31 | 1.94 | 1.31 | 1.81 | 9.48 |
VTI Vanguard Total Stock Market ETF | 59 | 0.98 | 1.52 | 1.23 | 1.54 | 7.30 |
EPOL iShares MSCI Poland ETF | 74 | 1.29 | 1.95 | 1.25 | 2.50 | 8.67 |
VTV Vanguard Value ETF | 60 | 1.12 | 1.61 | 1.24 | 1.44 | 6.48 |
FCNTX Fidelity Contrafund Fund | 62 | 1.01 | 1.56 | 1.22 | 1.79 | 6.87 |
SHLD Global X Defense Tech ETF | 92 | 2.22 | 2.89 | 1.38 | 3.90 | 11.34 |
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Dividends
Dividend yield
Roth IRA Current 6.14.2025 provided a 2.32% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.32% | 2.43% | 1.85% | 1.47% | 2.44% | 1.77% | 1.61% | 1.79% | 1.70% | 1.37% | 0.89% | 1.07% |
| Portfolio components: | ||||||||||||
GLDM SPDR Gold MiniShares Trust | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
FSTA Fidelity MSCI Consumer Staples Index ETF | 2.23% | 2.34% | 2.25% | 2.66% | 2.26% | 2.15% | 2.47% | 2.46% | 3.01% | 2.42% | 2.53% | 2.86% |
HEFA iShares Currency Hedged MSCI EAFE ETF | 4.22% | 4.40% | 3.09% | 3.02% | 25.14% | 3.06% | 2.10% | 7.56% | 4.58% | 2.55% | 3.17% | 3.54% |
FBTC Fidelity Wise Origin Bitcoin Trust | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SPHY SPDR Portfolio High Yield Bond ETF | 7.37% | 7.38% | 7.80% | 7.30% | 6.47% | 5.13% | 5.63% | 5.73% | 4.09% | 4.41% | 4.27% | 4.29% |
VTI Vanguard Total Stock Market ETF | 1.17% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
EPOL iShares MSCI Poland ETF | 4.61% | 4.78% | 6.04% | 2.87% | 2.65% | 1.33% | 1.44% | 2.51% | 1.44% | 1.88% | 2.14% | 2.53% |
VTV Vanguard Value ETF | 2.02% | 2.05% | 2.31% | 2.46% | 2.52% | 2.15% | 2.56% | 2.50% | 2.73% | 2.29% | 2.44% | 2.60% |
FCNTX Fidelity Contrafund Fund | 4.93% | 5.21% | 4.19% | 3.78% | 11.87% | 10.80% | 8.01% | 4.16% | 7.46% | 6.08% | 3.81% | 5.33% |
SHLD Global X Defense Tech ETF | 0.48% | 0.55% | 0.53% | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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 Roth IRA Current 6.14.2025. 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 Roth IRA Current 6.14.2025 was 9.33%, occurring on Mar 30, 2026. The portfolio has not yet recovered.
The current Roth IRA Current 6.14.2025 drawdown is 5.55%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -9.33% | Jan 29, 2026 | 42 | Mar 30, 2026 | — | — | — |
| -8.74% | Mar 26, 2025 | 10 | Apr 8, 2025 | 11 | Apr 24, 2025 | 21 |
| -4.8% | Oct 9, 2025 | 31 | Nov 20, 2025 | 21 | Dec 22, 2025 | 52 |
| -4.05% | Feb 19, 2025 | 14 | Mar 10, 2025 | 7 | Mar 19, 2025 | 21 |
| -3.58% | Dec 9, 2024 | 8 | Dec 18, 2024 | 19 | Jan 17, 2025 | 27 |
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 16 assets, with an effective number of assets of 10.22, reflecting the diversification based on asset allocation. This number of effective assets suggests that the portfolio's investments are spread across a variety of assets, indicating a well-diversified allocation. However, true diversification also depends on the correlations between assets.
Asset Correlations Table
| Benchmark | SPAXX | GLDM | FSTA | FBTC | EUAD | EPOL | PLTR | SHLD | HOOD | HEFA | SPHY | FCNTX | VTV | DGRO | DIVO | VTI | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | -0.02 | 0.05 | 0.21 | 0.44 | 0.35 | 0.47 | 0.57 | 0.45 | 0.61 | 0.72 | 0.73 | 0.90 | 0.72 | 0.75 | 0.78 | 0.99 | 0.75 |
| SPAXX | -0.02 | 1.00 | 0.02 | 0.12 | -0.05 | 0.04 | -0.14 | 0.03 | 0.04 | -0.01 | -0.06 | -0.02 | -0.02 | 0.05 | 0.05 | 0.03 | -0.02 | 0.03 |
| GLDM | 0.05 | 0.02 | 1.00 | 0.07 | 0.11 | 0.23 | 0.21 | -0.00 | 0.25 | 0.05 | 0.07 | 0.10 | 0.03 | 0.08 | 0.07 | 0.10 | 0.06 | 0.40 |
| FSTA | 0.21 | 0.12 | 0.07 | 1.00 | 0.02 | 0.05 | 0.16 | -0.04 | 0.07 | 0.01 | 0.25 | 0.29 | 0.06 | 0.54 | 0.56 | 0.46 | 0.22 | 0.18 |
| FBTC | 0.44 | -0.05 | 0.11 | 0.02 | 1.00 | 0.30 | 0.21 | 0.36 | 0.34 | 0.56 | 0.31 | 0.42 | 0.41 | 0.29 | 0.28 | 0.25 | 0.46 | 0.54 |
| EUAD | 0.35 | 0.04 | 0.23 | 0.05 | 0.30 | 1.00 | 0.28 | 0.29 | 0.74 | 0.36 | 0.40 | 0.31 | 0.36 | 0.23 | 0.22 | 0.29 | 0.36 | 0.67 |
| EPOL | 0.47 | -0.14 | 0.21 | 0.16 | 0.21 | 0.28 | 1.00 | 0.25 | 0.26 | 0.29 | 0.53 | 0.47 | 0.45 | 0.37 | 0.38 | 0.38 | 0.48 | 0.52 |
| PLTR | 0.57 | 0.03 | -0.00 | -0.04 | 0.36 | 0.29 | 0.25 | 1.00 | 0.50 | 0.56 | 0.37 | 0.38 | 0.57 | 0.30 | 0.31 | 0.36 | 0.57 | 0.63 |
| SHLD | 0.45 | 0.04 | 0.25 | 0.07 | 0.34 | 0.74 | 0.26 | 0.50 | 1.00 | 0.39 | 0.36 | 0.37 | 0.40 | 0.38 | 0.37 | 0.39 | 0.46 | 0.76 |
| HOOD | 0.61 | -0.01 | 0.05 | 0.01 | 0.56 | 0.36 | 0.29 | 0.56 | 0.39 | 1.00 | 0.45 | 0.52 | 0.62 | 0.40 | 0.40 | 0.44 | 0.63 | 0.67 |
| HEFA | 0.72 | -0.06 | 0.07 | 0.25 | 0.31 | 0.40 | 0.53 | 0.37 | 0.36 | 0.45 | 1.00 | 0.58 | 0.66 | 0.64 | 0.65 | 0.65 | 0.73 | 0.63 |
| SPHY | 0.73 | -0.02 | 0.10 | 0.29 | 0.42 | 0.31 | 0.47 | 0.38 | 0.37 | 0.52 | 0.58 | 1.00 | 0.61 | 0.66 | 0.67 | 0.66 | 0.75 | 0.63 |
| FCNTX | 0.90 | -0.02 | 0.03 | 0.06 | 0.41 | 0.36 | 0.45 | 0.57 | 0.40 | 0.62 | 0.66 | 0.61 | 1.00 | 0.51 | 0.53 | 0.62 | 0.88 | 0.70 |
| VTV | 0.72 | 0.05 | 0.08 | 0.54 | 0.29 | 0.23 | 0.37 | 0.30 | 0.38 | 0.40 | 0.64 | 0.66 | 0.51 | 1.00 | 0.98 | 0.89 | 0.75 | 0.59 |
| DGRO | 0.75 | 0.05 | 0.07 | 0.56 | 0.28 | 0.22 | 0.38 | 0.31 | 0.37 | 0.40 | 0.65 | 0.67 | 0.53 | 0.98 | 1.00 | 0.90 | 0.77 | 0.60 |
| DIVO | 0.78 | 0.03 | 0.10 | 0.46 | 0.25 | 0.29 | 0.38 | 0.36 | 0.39 | 0.44 | 0.65 | 0.66 | 0.62 | 0.89 | 0.90 | 1.00 | 0.79 | 0.64 |
| VTI | 0.99 | -0.02 | 0.06 | 0.22 | 0.46 | 0.36 | 0.48 | 0.57 | 0.46 | 0.63 | 0.73 | 0.75 | 0.88 | 0.75 | 0.77 | 0.79 | 1.00 | 0.77 |
| Portfolio | 0.75 | 0.03 | 0.40 | 0.18 | 0.54 | 0.67 | 0.52 | 0.63 | 0.76 | 0.67 | 0.63 | 0.63 | 0.70 | 0.59 | 0.60 | 0.64 | 0.77 | 1.00 |