Willard J Funds 1/2026 (Using ETF Equiv)

Asset Allocation

Position	Category/Sector	Target Weight
ESGB IQ MacKay ESG Core Plus Bond ETF	Intermediate Core-Plus Bond	7.50%
IWC iShares Microcap ETF	Small Cap Blend Equities	4.50%
VHT Vanguard Health Care ETF	Health & Biotech Equities	4.50%
VNQ Vanguard Real Estate ETF	REIT	4.50%
VT Vanguard Total World Stock ETF	Global Equities	4.50%
VTEB Vanguard Tax-Exempt Bond ETF	Municipal Bonds	7.50%
VTI Vanguard Total Stock Market ETF	Large Cap Blend Equities	32%
VTV Vanguard Value ETF	Large Cap Value Equities	8.50%
VUG Vanguard Growth ETF	Large Cap Growth Equities	18%
VXUS Vanguard Total International Stock ETF	Foreign Large Cap Equities	8.50%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Willard J Funds 1/2026 (Using ETF Equiv), 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 Jun 29, 2021, corresponding to the inception date of ESGB

Returns By Period

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	0.11%	-4.18%	-3.84%	-1.98%	21.98%	16.86%	10.37%	12.29%
Portfolio Willard J Funds 1/2026 (Using ETF Equiv)	0.14%	-3.57%	-1.98%	0.00%	21.53%	15.28%	—	—
Portfolio components:
VTI Vanguard Total Stock Market ETF	0.16%	-3.97%	-3.13%	-1.30%	24.10%	18.10%	10.66%	13.75%
VUG Vanguard Growth ETF	0.11%	-4.63%	-9.29%	-7.99%	24.85%	21.67%	11.69%	16.20%
VTV Vanguard Value ETF	0.16%	-3.37%	3.71%	6.17%	20.60%	14.94%	10.95%	11.89%
IWC iShares Microcap ETF	1.28%	-3.99%	3.29%	7.61%	56.65%	17.24%	2.91%	10.36%
VNQ Vanguard Real Estate ETF	1.36%	-4.55%	3.06%	0.66%	6.59%	7.33%	3.14%	4.85%
VXUS Vanguard Total International Stock ETF	-0.68%	-3.46%	2.81%	5.79%	30.65%	15.41%	7.43%	9.01%
VT Vanguard Total World Stock ETF	-0.23%	-3.83%	-0.97%	1.25%	26.32%	16.97%	9.38%	11.66%
VTEB Vanguard Tax-Exempt Bond ETF	0.18%	-0.85%	0.27%	1.75%	3.85%	2.82%	0.92%	2.11%
ESGB IQ MacKay ESG Core Plus Bond ETF	0.19%	-1.12%	0.45%	1.26%	4.91%	5.25%	—	—
VHT Vanguard Health Care ETF	-0.52%	-5.57%	-4.78%	2.27%	7.27%	5.91%	5.14%	9.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jun 30, 2021, Willard J Funds 1/2026 (Using ETF Equiv)'s average daily return is +0.03%, while the average monthly return is +0.67%. At this rate, your investment would double in approximately 8.7 years.

Historically, 61% of months were positive and 39% were negative. The best month was Nov 2023 with a return of +8.8%, while the worst month was Sep 2022 at -8.5%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.

On a daily basis, Willard J Funds 1/2026 (Using ETF Equiv) closed higher 52% of trading days. The best single day was Apr 9, 2025 with a return of +7.7%, while the worst single day was Apr 4, 2025 at -4.9%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.72%	0.58%	-5.00%	0.86%									-1.98%
2025	2.57%	-0.75%	-4.45%	-0.24%	4.77%	4.35%	1.31%	2.66%	3.17%	2.04%	0.67%	0.07%	17.03%
2024	0.37%	4.17%	2.55%	-4.04%	4.14%	2.48%	2.32%	2.10%	1.78%	-1.47%	5.02%	-2.89%	17.31%
2023	6.76%	-2.77%	2.56%	0.97%	-0.05%	5.34%	2.99%	-2.16%	-4.50%	-2.68%	8.80%	5.38%	21.53%
2022	-5.72%	-2.31%	2.14%	-7.97%	-0.20%	-6.98%	7.82%	-3.81%	-8.52%	5.69%	5.57%	-4.59%	-18.84%
2021						-0.06%	1.38%	2.32%	-3.98%	5.19%	-1.52%	3.36%	6.57%

Benchmark Metrics

Willard J Funds 1/2026 (Using ETF Equiv) has an annualized alpha of -0.42%, beta of 0.84, and R² of 0.97 versus S&P 500 Index. Calculated based on daily prices since June 30, 2021.

This portfolio participated in 92.13% of S&P 500 Index downside but only 84.72% of its upside — more exposed to losses than it benefited from rallies.

Alpha: -0.42%

Beta: 0.84

R²: 0.97

Upside Capture: 84.72%

Downside Capture: 92.13%

Expense Ratio

Willard J Funds 1/2026 (Using ETF Equiv) has an expense ratio of 0.10%, 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.

IWC

iShares Microcap ETF

ESGB

IQ MacKay ESG Core Plus Bond ETF

VNQ

Vanguard Real Estate ETF

VHT

Vanguard Health Care ETF

Vanguard Total World Stock ETF

VXUS

Vanguard Total International Stock ETF

VTEB

Vanguard Tax-Exempt Bond ETF

VTV

Vanguard Value ETF

VTI

Vanguard Total Stock Market ETF

VUG

Vanguard Growth ETF

Return for Risk

Risk / Return Rank

Willard J Funds 1/2026 (Using ETF Equiv) ranks 41 for risk / return — on par with similar portfolios. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

	Portfolio	Benchmark	Difference
Sharpe ratio Return per unit of total volatility	1.12	0.88	+0.23
Sortino ratio Return per unit of downside risk	1.68	1.37	+0.31
Omega ratio Gain probability vs. loss probability	1.25	1.21	+0.04
Calmar ratio Return relative to maximum drawdown	1.68	1.39	+0.29
Martin ratio Return relative to average drawdown	7.92	6.43	+1.48
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
VTI Vanguard Total Stock Market ETF	52	0.94	1.47	1.22	1.53	7.16
VUG Vanguard Growth ETF	38	0.78	1.27	1.18	1.13	3.90
VTV Vanguard Value ETF	54	1.09	1.57	1.23	1.48	6.62
IWC iShares Microcap ETF	84	1.77	2.41	1.30	3.63	11.62
VNQ Vanguard Real Estate ETF	15	0.18	0.36	1.05	0.29	1.11
VXUS Vanguard Total International Stock ETF	78	1.63	2.25	1.33	2.52	9.49
VT Vanguard Total World Stock ETF	66	1.24	1.83	1.27	1.86	8.47
VTEB Vanguard Tax-Exempt Bond ETF	48	1.11	1.40	1.26	1.19	3.48
ESGB IQ MacKay ESG Core Plus Bond ETF	59	1.23	1.70	1.22	1.88	6.13
VHT Vanguard Health Care ETF	20	0.35	0.60	1.08	0.67	1.55

Sharpe Ratio

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

Willard J Funds 1/2026 (Using ETF Equiv) Sharpe ratios as of Apr 4, 2026 (values are recalculated daily):

1-Year: 1.12
All Time: 0.52

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 0.99 to 1.69, this portfolio's current Sharpe ratio falls between the 25th and 75th percentiles. This indicates that its risk-adjusted performance is in line with the majority of portfolios, suggesting a balanced approach to risk and return—likely suitable for a wide range of investors.

The chart below shows the rolling Sharpe ratio of Willard J Funds 1/2026 (Using ETF Equiv) compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

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Dividends

Dividend yield

Willard J Funds 1/2026 (Using ETF Equiv) provided a 1.92% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.92%	1.91%	1.99%	2.01%	1.92%	1.40%	1.47%	1.78%	2.00%	1.72%	1.89%	1.78%
Portfolio components:
VTI Vanguard Total Stock Market ETF	1.16%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%
VUG Vanguard Growth ETF	0.45%	0.41%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%
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%
IWC iShares Microcap ETF	1.05%	1.10%	1.06%	1.17%	1.18%	0.78%	0.98%	1.19%	1.01%	1.09%	1.16%	1.49%
VNQ Vanguard Real Estate ETF	3.86%	3.92%	3.85%	3.95%	3.91%	2.56%	3.93%	3.39%	4.74%	4.23%	4.82%	3.92%
VXUS Vanguard Total International Stock ETF	2.95%	3.18%	3.37%	3.24%	3.09%	3.10%	2.14%	3.06%	3.18%	2.73%	2.93%	2.83%
VT Vanguard Total World Stock ETF	1.80%	1.82%	1.95%	2.08%	2.20%	1.82%	1.66%	2.32%	2.53%	2.11%	2.39%	2.45%
VTEB Vanguard Tax-Exempt Bond ETF	3.36%	3.29%	3.14%	2.79%	2.09%	1.64%	1.99%	2.30%	2.25%	1.96%	1.66%	0.58%
ESGB IQ MacKay ESG Core Plus Bond ETF	5.55%	5.46%	5.40%	4.82%	3.17%	0.95%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VHT Vanguard Health Care ETF	1.72%	1.61%	1.53%	1.36%	1.33%	1.14%	1.21%	1.89%	1.38%	1.31%	1.45%	1.22%

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 Willard J Funds 1/2026 (Using ETF Equiv). 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 Willard J Funds 1/2026 (Using ETF Equiv) was 24.50%, occurring on Oct 14, 2022. Recovery took 322 trading sessions.

The current Willard J Funds 1/2026 (Using ETF Equiv) drawdown is 4.75%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-24.5%	Dec 28, 2021	202	Oct 14, 2022	322	Jan 29, 2024	524
-15.72%	Feb 20, 2025	34	Apr 8, 2025	52	Jun 24, 2025	86
-7.97%	Feb 26, 2026	23	Mar 30, 2026	—	—	—
-6.71%	Jul 17, 2024	14	Aug 5, 2024	14	Aug 23, 2024	28
-5.19%	Apr 1, 2024	15	Apr 19, 2024	18	May 15, 2024	33

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 10 assets, with an effective number of assets of 5.93, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	Benchmark	VTEB	ESGB	VHT	VNQ	IWC	VXUS	VUG	VTV	VTI	VT	Portfolio
Benchmark	1.00	0.17	0.21	0.65	0.62	0.75	0.76	0.95	0.81	0.99	0.96	0.98
VTEB	0.17	1.00	0.68	0.19	0.31	0.15	0.22	0.16	0.15	0.17	0.20	0.23
ESGB	0.21	0.68	1.00	0.25	0.36	0.17	0.26	0.20	0.19	0.21	0.24	0.27
VHT	0.65	0.19	0.25	1.00	0.63	0.57	0.55	0.53	0.74	0.66	0.65	0.69
VNQ	0.62	0.31	0.36	0.63	1.00	0.59	0.58	0.48	0.73	0.63	0.64	0.68
IWC	0.75	0.15	0.17	0.57	0.59	1.00	0.70	0.67	0.73	0.80	0.80	0.82
VXUS	0.76	0.22	0.26	0.55	0.58	0.70	1.00	0.69	0.72	0.78	0.91	0.83
VUG	0.95	0.16	0.20	0.53	0.48	0.67	0.69	1.00	0.60	0.94	0.89	0.92
VTV	0.81	0.15	0.19	0.74	0.73	0.73	0.72	0.60	1.00	0.82	0.82	0.83
VTI	0.99	0.17	0.21	0.66	0.63	0.80	0.78	0.94	0.82	1.00	0.97	0.99
VT	0.96	0.20	0.24	0.65	0.64	0.80	0.91	0.89	0.82	0.97	1.00	0.98
Portfolio	0.98	0.23	0.27	0.69	0.68	0.82	0.83	0.92	0.83	0.99	0.98	1.00

The correlation results are calculated based on daily price changes starting from Jun 30, 2021

Willard J Funds 1/2026 (Using ETF Equiv)

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Benchmark Metrics

Expense Ratio

Return for Risk

Risk / Return Rank

Return / Risk — by metrics

Sharpe ratio

Sortino ratio

Omega ratio

Calmar ratio

Martin ratio

Sharpe Ratio

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table