Andy's 15 Holdings

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

Andy's 15 Holdings

Currency in USD · Last updated May 11, 2025

Asset Allocation

Position	Category/Sector	Target Weight
AMZN Amazon.com, Inc.	Consumer Cyclical	2%
GOOG Alphabet Inc	Communication Services	2%
META Meta Platforms, Inc.	Communication Services	2%
MSFT Microsoft Corporation	Technology	2%
NVDA NVIDIA Corporation	Technology	2%
SCHD Schwab US Dividend Equity ETF	Large Cap Growth Equities, Dividend	9%
VB Vanguard Small-Cap ETF	Small Cap Growth Equities	9%
VGT Vanguard Information Technology ETF	Technology Equities	9%
VHT Vanguard Health Care ETF	Health & Biotech Equities	9%
VIGI Vanguard International Dividend Appreciation ETF	Foreign Large Cap Equities, Dividend	9%
VOO Vanguard S&P 500 ETF	Large Cap Growth Equities	9%
VT Vanguard Total World Stock ETF	Large Cap Growth Equities	9%
VTI Vanguard Total Stock Market ETF	Large Cap Growth Equities	9%
VUG Vanguard Growth ETF	Large Cap Growth Equities	9%
VYM Vanguard High Dividend Yield ETF	Dividend, Large Cap Value Equities	9%

Benchmark

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is Mar 2, 2016, corresponding to the inception date of VIGI

Returns By Period

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	-3.77%	7.44%	-5.60%	8.37%	14.12%	10.46%
Andy's 15 Holdings	-2.99%	7.48%	-5.65%	7.86%	15.69%	N/A
Portfolio components:
VOO Vanguard S&P 500 ETF	-3.41%	7.59%	-5.06%	9.79%	15.86%	12.42%
VTI Vanguard Total Stock Market ETF	-3.75%	7.98%	-5.68%	9.17%	15.27%	11.77%
VGT Vanguard Information Technology ETF	-8.02%	12.05%	-8.30%	11.24%	18.63%	19.33%
VHT Vanguard Health Care ETF	-4.00%	-0.66%	-11.91%	-6.05%	6.17%	7.56%
VUG Vanguard Growth ETF	-5.41%	9.75%	-4.74%	13.34%	16.55%	14.70%
VYM Vanguard High Dividend Yield ETF	-0.80%	5.51%	-3.74%	8.03%	13.88%	9.50%
SCHD Schwab US Dividend Equity ETF	-4.97%	3.04%	-9.89%	1.08%	12.64%	10.39%
VB Vanguard Small-Cap ETF	-6.65%	10.05%	-11.06%	1.87%	12.36%	7.93%
VT Vanguard Total World Stock ETF	1.45%	9.12%	-1.10%	9.52%	13.52%	8.82%
VIGI Vanguard International Dividend Appreciation ETF	8.77%	10.00%	3.63%	9.45%	9.94%	N/A
NVDA NVIDIA Corporation	-13.13%	8.44%	-20.97%	29.82%	71.04%	72.60%
GOOG Alphabet Inc	-18.84%	-0.64%	-13.97%	-8.91%	17.25%	19.39%
AMZN Amazon.com, Inc.	-12.00%	6.53%	-7.26%	2.98%	9.93%	24.71%
META Meta Platforms, Inc.	1.28%	8.46%	0.71%	24.87%	22.88%	22.54%
MSFT Microsoft Corporation	4.30%	15.05%	4.25%	6.59%	19.74%	26.80%

*Annualized

Monthly Returns

The table below presents the monthly returns of Andy's 15 Holdings, 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	3.08%	-1.43%	-5.08%	-0.96%	1.56%								-2.99%
2024	1.53%	5.37%	3.38%	-4.47%	4.90%	3.11%	1.97%	2.18%	1.66%	-1.25%	5.14%	-2.99%	21.91%
2023	7.45%	-1.88%	4.48%	1.45%	1.20%	5.92%	3.63%	-1.83%	-4.75%	-2.65%	8.96%	5.63%	30.03%
2022	-6.16%	-2.76%	3.18%	-8.94%	0.22%	-7.95%	8.37%	-4.46%	-9.17%	6.56%	6.80%	-5.29%	-19.84%
2021	-0.08%	2.69%	3.49%	4.92%	0.97%	3.04%	1.60%	3.24%	-4.76%	6.20%	-0.85%	3.76%	26.51%
2020	-0.04%	-7.06%	-11.74%	12.89%	5.54%	2.67%	5.59%	6.91%	-3.39%	-1.74%	11.36%	4.23%	24.77%
2019	8.23%	3.46%	2.22%	3.68%	-6.59%	7.16%	1.14%	-1.91%	1.62%	2.96%	3.79%	3.18%	32.04%
2018	6.33%	-3.66%	-2.19%	0.58%	3.36%	0.32%	3.32%	3.66%	0.11%	-8.30%	1.81%	-8.43%	-4.23%
2017	2.62%	3.39%	1.17%	1.67%	2.70%	0.45%	2.56%	0.80%	1.92%	3.22%	2.49%	0.84%	26.52%
2016			4.02%	0.26%	2.87%	0.21%	5.00%	0.07%	1.06%	-2.35%	2.61%	2.06%	16.74%

Expense Ratio

Andy's 15 Holdings has an expense ratio of 0.06%, 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.

VIGI

Vanguard International Dividend Appreciation ETF

VGT

Vanguard Information Technology ETF

VHT

Vanguard Health Care ETF

Vanguard Total World Stock ETF

VYM

Vanguard High Dividend Yield ETF

SCHD

Schwab US Dividend Equity ETF

Vanguard Small-Cap ETF

VUG

Vanguard Growth ETF

VOO

Vanguard S&P 500 ETF

VTI

Vanguard Total Stock Market ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of Andy's 15 Holdings is 30, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
VOO Vanguard S&P 500 ETF	0.52	0.89	1.13	0.57	2.18
VTI Vanguard Total Stock Market ETF	0.47	0.83	1.12	0.51	1.94
VGT Vanguard Information Technology ETF	0.39	0.73	1.10	0.43	1.39
VHT Vanguard Health Care ETF	-0.40	-0.41	0.95	-0.36	-0.88
VUG Vanguard Growth ETF	0.54	0.91	1.13	0.59	2.00
VYM Vanguard High Dividend Yield ETF	0.53	0.94	1.13	0.66	2.59
SCHD Schwab US Dividend Equity ETF	0.08	0.32	1.04	0.15	0.49
VB Vanguard Small-Cap ETF	0.07	0.30	1.04	0.09	0.28
VT Vanguard Total World Stock ETF	0.55	0.94	1.14	0.62	2.74
VIGI Vanguard International Dividend Appreciation ETF	0.63	1.03	1.14	0.69	1.99
NVDA NVIDIA Corporation	0.53	1.05	1.13	0.78	1.94
GOOG Alphabet Inc	-0.32	-0.28	0.97	-0.35	-0.77
AMZN Amazon.com, Inc.	0.06	0.33	1.04	0.07	0.20
META Meta Platforms, Inc.	0.70	1.26	1.16	0.79	2.47
MSFT Microsoft Corporation	0.28	0.63	1.08	0.34	0.75

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.

Andy's 15 Holdings Sharpe ratios as of May 11, 2025 (values are recalculated daily):

1-Year: 0.43
5-Year: 0.88
All Time: 0.82

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 0.41 to 0.94, 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 Andy's 15 Holdings compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.

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Dividends

Dividend yield

Andy's 15 Holdings provided a 1.62% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	1.62%	1.53%	1.60%	1.69%	1.85%	1.47%	1.75%	1.91%	1.62%	1.74%	1.69%	1.54%
Portfolio components:
VOO Vanguard S&P 500 ETF	1.34%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%	1.85%
VTI Vanguard Total Stock Market ETF	1.35%	1.27%	1.44%	1.67%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%	1.76%
VGT Vanguard Information Technology ETF	0.56%	0.60%	0.65%	0.91%	0.64%	0.82%	1.11%	1.29%	0.99%	1.31%	1.28%	1.12%
VHT Vanguard Health Care ETF	1.64%	1.53%	1.36%	1.33%	1.14%	1.21%	1.89%	1.38%	1.31%	1.45%	1.22%	1.02%
VUG Vanguard Growth ETF	0.50%	0.47%	0.58%	0.70%	0.48%	0.66%	0.95%	1.32%	1.14%	1.39%	1.30%	1.21%
VYM Vanguard High Dividend Yield ETF	2.93%	2.74%	3.12%	3.01%	2.76%	3.18%	3.03%	3.40%	2.80%	2.91%	3.22%	2.78%
SCHD Schwab US Dividend Equity ETF	4.04%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%	2.63%
VB Vanguard Small-Cap ETF	1.51%	1.30%	1.55%	1.59%	1.24%	1.14%	1.39%	1.67%	1.35%	1.50%	1.48%	1.43%
VT Vanguard Total World Stock ETF	1.90%	1.95%	2.08%	2.20%	1.82%	1.66%	2.32%	2.53%	2.11%	2.39%	2.45%	2.44%
VIGI Vanguard International Dividend Appreciation ETF	1.89%	1.93%	1.92%	2.06%	7.02%	1.29%	1.83%	1.99%	1.75%	0.98%	0.00%	0.00%
NVDA NVIDIA Corporation	0.03%	0.02%	0.03%	0.11%	0.05%	0.12%	0.27%	0.46%	0.29%	0.45%	1.20%	1.70%
GOOG Alphabet Inc	0.52%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AMZN Amazon.com, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
META Meta Platforms, Inc.	0.34%	0.34%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
MSFT Microsoft Corporation	0.72%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%	2.48%

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 Andy's 15 Holdings. 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 Andy's 15 Holdings was 32.77%, occurring on Mar 23, 2020. Recovery took 84 trading sessions.

The current Andy's 15 Holdings drawdown is 7.32%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-32.77%	Feb 20, 2020	23	Mar 23, 2020	84	Jul 22, 2020	107
-26.38%	Dec 28, 2021	200	Oct 12, 2022	294	Dec 13, 2023	494
-19.88%	Aug 30, 2018	80	Dec 24, 2018	75	Apr 12, 2019	155
-18.04%	Feb 20, 2025	34	Apr 8, 2025	—	—	—
-10.13%	Jan 29, 2018	9	Feb 8, 2018	109	Jul 17, 2018	118

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 15 assets, with an effective number of assets of 12.05, 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

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

	^GSPC	META	NVDA	AMZN	VHT	GOOG	SCHD	MSFT	VIGI	VYM	VB	VGT	VUG	VT	VTI	VOO	Portfolio
^GSPC	1.00	0.62	0.64	0.65	0.73	0.71	0.81	0.75	0.77	0.84	0.86	0.90	0.94	0.95	0.99	1.00	0.98
META	0.62	1.00	0.53	0.62	0.42	0.66	0.36	0.60	0.48	0.37	0.48	0.65	0.70	0.58	0.61	0.62	0.64
NVDA	0.64	0.53	1.00	0.57	0.40	0.54	0.39	0.60	0.48	0.39	0.51	0.77	0.73	0.60	0.63	0.63	0.68
AMZN	0.65	0.62	0.57	1.00	0.41	0.67	0.36	0.68	0.49	0.38	0.49	0.70	0.75	0.60	0.63	0.65	0.67
VHT	0.73	0.42	0.40	0.41	1.00	0.48	0.68	0.53	0.64	0.70	0.67	0.61	0.66	0.71	0.74	0.73	0.75
GOOG	0.71	0.66	0.54	0.67	0.48	1.00	0.46	0.71	0.55	0.47	0.53	0.73	0.77	0.66	0.69	0.71	0.72
SCHD	0.81	0.36	0.39	0.36	0.68	0.46	1.00	0.48	0.67	0.95	0.80	0.61	0.63	0.80	0.81	0.81	0.79
MSFT	0.75	0.60	0.60	0.68	0.53	0.71	0.48	1.00	0.57	0.49	0.53	0.84	0.83	0.69	0.73	0.75	0.76
VIGI	0.77	0.48	0.48	0.49	0.64	0.55	0.67	0.57	1.00	0.69	0.71	0.69	0.72	0.89	0.78	0.77	0.81
VYM	0.84	0.37	0.39	0.38	0.70	0.47	0.95	0.49	0.69	1.00	0.83	0.62	0.65	0.83	0.85	0.84	0.81
VB	0.86	0.48	0.51	0.49	0.67	0.53	0.80	0.53	0.71	0.83	1.00	0.73	0.76	0.88	0.90	0.86	0.88
VGT	0.90	0.65	0.77	0.70	0.61	0.73	0.61	0.84	0.69	0.62	0.73	1.00	0.96	0.85	0.89	0.90	0.92
VUG	0.94	0.70	0.73	0.75	0.66	0.77	0.63	0.83	0.72	0.65	0.76	0.96	1.00	0.88	0.93	0.93	0.95
VT	0.95	0.58	0.60	0.60	0.71	0.66	0.80	0.69	0.89	0.83	0.88	0.85	0.88	1.00	0.96	0.95	0.96
VTI	0.99	0.61	0.63	0.63	0.74	0.69	0.81	0.73	0.78	0.85	0.90	0.89	0.93	0.96	1.00	0.99	0.99
VOO	1.00	0.62	0.63	0.65	0.73	0.71	0.81	0.75	0.77	0.84	0.86	0.90	0.93	0.95	0.99	1.00	0.98
Portfolio	0.98	0.64	0.68	0.67	0.75	0.72	0.79	0.76	0.81	0.81	0.88	0.92	0.95	0.96	0.99	0.98	1.00

The correlation results are calculated based on daily price changes starting from Mar 3, 2016

Performance Analysis

Risk Analysis

Optimization

Factor Model

Andy's 15 Holdings

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

Portfolios

Screeners

Community