15% IAU 25% SCHD 60% VGIT
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
IAU iShares Gold Trust | Precious Metals, Gold | 15% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 25% |
VGIT Vanguard Intermediate-Term Treasury ETF | Government Bonds | 60% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 15% IAU 25% SCHD 60% VGIT, 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 Oct 20, 2011, corresponding to the inception date of SCHD
Returns By Period
As of Apr 7, 2025, the 15% IAU 25% SCHD 60% VGIT returned 3.24% Year-To-Date and 5.09% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -13.73% | -12.06% | -11.77% | -2.50% | 13.85% | 9.30% |
| 15% IAU 25% SCHD 60% VGIT | -0.70% | -4.74% | -2.67% | 5.36% | 7.48% | 6.16% |
| Portfolio components: | ||||||
SCHD Schwab US Dividend Equity ETF | -6.63% | -10.37% | -8.76% | -0.32% | 14.11% | 10.26% |
VGIT Vanguard Intermediate-Term Treasury ETF | 4.26% | 2.07% | 2.42% | 7.40% | -0.65% | 1.33% |
IAU iShares Gold Trust | 15.65% | 4.28% | 14.34% | 30.28% | 12.56% | 9.52% |
Monthly Returns
The table below presents the monthly returns of 15% IAU 25% SCHD 60% VGIT, 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 | 1.98% | 2.27% | 0.58% | -5.34% | -0.70% | ||||||||
| 2024 | 0.05% | 0.53% | 3.60% | -2.96% | 1.80% | 0.33% | 4.82% | 1.95% | 1.40% | -0.22% | 2.51% | -4.36% | 9.47% |
| 2023 | 2.50% | -3.19% | 1.20% | -0.09% | -2.74% | 2.18% | 2.47% | -1.00% | -3.37% | -1.75% | 4.77% | 4.51% | 5.17% |
| 2022 | -2.22% | -0.72% | 0.52% | -3.35% | 2.07% | -4.78% | 2.59% | -2.79% | -5.51% | 5.54% | 5.42% | -1.95% | -5.75% |
| 2021 | -0.93% | 1.67% | 3.83% | 1.71% | 2.44% | -1.08% | 1.01% | 0.97% | -2.60% | 2.15% | -0.98% | 3.98% | 12.61% |
| 2020 | 0.58% | -3.34% | -3.62% | 5.54% | 1.96% | 0.06% | 3.55% | 1.94% | -1.47% | -0.18% | 5.30% | 2.09% | 12.60% |
| 2019 | 3.01% | 1.61% | 1.40% | 1.31% | -2.34% | 4.25% | 0.70% | 1.24% | 1.02% | 0.96% | 0.79% | 1.21% | 16.11% |
| 2018 | 1.59% | -2.93% | -0.66% | -0.98% | 1.04% | 0.03% | 1.64% | 1.20% | 0.16% | -2.57% | 1.98% | -2.29% | -1.94% |
| 2017 | 0.44% | 1.86% | 0.07% | 0.65% | 1.00% | -0.46% | 1.09% | 0.81% | 0.41% | 1.33% | 1.64% | 1.04% | 10.30% |
| 2016 | 0.78% | 1.65% | 2.30% | 0.31% | -0.16% | 3.00% | 1.28% | -0.81% | 0.37% | -1.35% | -0.90% | 0.62% | 7.21% |
| 2015 | 0.99% | 0.44% | -0.66% | 0.19% | 0.20% | -1.80% | 0.12% | -1.66% | 0.26% | 2.89% | -0.71% | -0.40% | -0.21% |
| 2014 | -0.29% | 2.14% | -0.05% | 0.99% | 0.73% | 1.03% | -1.26% | 1.86% | -1.05% | 1.01% | 1.43% | -0.26% | 6.41% |
Expense Ratio
15% IAU 25% SCHD 60% VGIT 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
With an overall rank of 96, 15% IAU 25% SCHD 60% VGIT is among the top 4% of portfolios on our website when it comes to balancing risk and reward. Below is 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 | |
|---|---|---|---|---|---|
SCHD Schwab US Dividend Equity ETF | -0.07 | -0.00 | 1.00 | -0.08 | -0.29 |
VGIT Vanguard Intermediate-Term Treasury ETF | 1.55 | 2.33 | 1.28 | 0.57 | 3.67 |
IAU iShares Gold Trust | 2.04 | 2.68 | 1.35 | 3.91 | 10.60 |
Dividends
Dividend yield
15% IAU 25% SCHD 60% VGIT provided a 3.23% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.23% | 3.11% | 2.51% | 1.89% | 1.71% | 2.13% | 2.09% | 2.00% | 1.66% | 1.74% | 1.76% | 1.58% |
| Portfolio components: | ||||||||||||
SCHD Schwab US Dividend Equity ETF | 4.11% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.67% | 3.67% | 2.72% | 1.74% | 1.69% | 2.23% | 2.24% | 2.05% | 1.67% | 1.69% | 1.69% | 1.54% |
IAU iShares Gold 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% |
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 15% IAU 25% SCHD 60% VGIT. 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 15% IAU 25% SCHD 60% VGIT was 14.03%, occurring on Sep 27, 2022. Recovery took 359 trading sessions.
The current 15% IAU 25% SCHD 60% VGIT drawdown is 2.17%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -14.03% | Jan 5, 2022 | 183 | Sep 27, 2022 | 359 | Mar 4, 2024 | 542 |
| -13.18% | Feb 21, 2020 | 22 | Mar 23, 2020 | 52 | Jun 5, 2020 | 74 |
| -7.22% | Jan 29, 2018 | 229 | Dec 24, 2018 | 37 | Feb 19, 2019 | 266 |
| -5.73% | Jan 23, 2015 | 149 | Aug 25, 2015 | 125 | Feb 24, 2016 | 274 |
| -5.34% | Dec 2, 2024 | 14 | Dec 19, 2024 | 67 | Mar 31, 2025 | 81 |
Volatility
Volatility Chart
The current 15% IAU 25% SCHD 60% VGIT volatility is 4.51%, 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
| SCHD | IAU | VGIT | |
|---|---|---|---|
| SCHD | 1.00 | 0.03 | -0.19 |
| IAU | 0.03 | 1.00 | 0.34 |
| VGIT | -0.19 | 0.34 | 1.00 |