Roth Target 2
Asset Allocation
Position | Category/Sector | Target Weight |
---|---|---|
FSRNX Fidelity Real Estate Index Fund | REIT | 20% |
SGOL Aberdeen Standard Physical Gold Shares ETF | Precious Metals, Gold | 60% |
SPLG SPDR Portfolio S&P 500 ETF | Large Cap Blend Equities | 10% |
TFLO iShares Treasury Floating Rate Bond ETF | Government Bonds | 10% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Roth Target 2, 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 Feb 4, 2014, corresponding to the inception date of TFLO
Returns By Period
As of Apr 7, 2025, the Roth Target 2 returned 7.02% Year-To-Date and 8.11% 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% |
Roth Target 2 | 7.02% | -0.12% | 5.62% | 19.31% | 11.43% | 8.11% |
Portfolio components: | ||||||
SGOL Aberdeen Standard Physical Gold Shares ETF | 15.61% | 4.32% | 14.33% | 30.39% | 12.71% | 9.52% |
FSRNX Fidelity Real Estate Index Fund | -4.72% | -8.08% | -9.73% | 4.34% | 7.67% | 2.86% |
SPLG SPDR Portfolio S&P 500 ETF | -13.48% | -11.96% | -11.20% | -1.20% | 15.62% | 11.15% |
TFLO iShares Treasury Floating Rate Bond ETF | 1.10% | 0.28% | 2.34% | 4.93% | 2.71% | 1.90% |
Monthly Returns
The table below presents the monthly returns of Roth Target 2, 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 | 4.69% | 1.78% | 4.72% | -4.09% | 7.02% | ||||||||
2024 | -1.65% | 1.22% | 6.01% | -0.10% | 2.32% | 0.74% | 4.92% | 2.64% | 4.00% | 1.82% | -0.44% | -2.66% | 20.09% |
2023 | 6.21% | -4.63% | 4.74% | 0.84% | -1.53% | 0.48% | 2.19% | -1.50% | -4.72% | 3.46% | 4.76% | 3.22% | 13.58% |
2022 | -3.13% | 2.76% | 2.31% | -2.96% | -2.82% | -3.16% | 1.14% | -3.43% | -5.28% | 0.45% | 6.84% | 0.21% | -7.48% |
2021 | -1.98% | -2.64% | 0.99% | 4.22% | 4.90% | -3.69% | 2.64% | 0.75% | -3.57% | 2.99% | -0.89% | 4.39% | 7.82% |
2020 | 2.78% | -2.78% | -5.31% | 7.19% | 1.96% | 2.23% | 7.71% | 0.66% | -3.55% | -1.08% | 0.26% | 5.09% | 15.22% |
2019 | 4.91% | 0.22% | -0.07% | -0.01% | 0.36% | 5.81% | 0.52% | 5.03% | -1.47% | 1.97% | -1.50% | 2.06% | 18.96% |
2018 | 1.46% | -2.75% | 0.88% | 0.06% | 0.18% | -1.29% | -0.75% | -0.37% | -0.97% | 0.06% | 1.37% | 0.39% | -1.79% |
2017 | 3.22% | 3.02% | -0.77% | 1.06% | 0.00% | -0.70% | 1.73% | 2.67% | -2.17% | 0.03% | 0.90% | 1.21% | 10.52% |
2016 | 1.76% | 6.79% | 1.85% | 2.37% | -3.14% | 6.65% | 2.51% | -2.60% | -0.18% | -3.14% | -4.76% | -0.12% | 7.46% |
2015 | 6.19% | -3.68% | -1.09% | -1.18% | 0.45% | -1.93% | -2.60% | 0.21% | -0.73% | 3.47% | -4.05% | 0.09% | -5.18% |
2014 | 5.05% | -1.68% | 1.00% | -1.04% | 4.07% | -2.24% | 1.20% | -4.86% | 0.50% | 0.45% | 1.39% | 3.50% |
Expense Ratio
Roth Target 2 has an expense ratio of 0.13%, 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 97, Roth Target 2 is among the top 3% 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 | |
---|---|---|---|---|---|
SGOL Aberdeen Standard Physical Gold Shares ETF | 2.05 | 2.68 | 1.35 | 3.92 | 10.65 |
FSRNX Fidelity Real Estate Index Fund | 0.25 | 0.44 | 1.06 | 0.17 | 0.87 |
SPLG SPDR Portfolio S&P 500 ETF | -0.09 | -0.01 | 1.00 | -0.08 | -0.42 |
TFLO iShares Treasury Floating Rate Bond ETF | 15.61 | 55.91 | 13.58 | 193.07 | 868.46 |
Dividends
Dividend yield
Roth Target 2 provided a 1.23% dividend yield over the last twelve months.
TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Portfolio | 1.23% | 1.22% | 1.20% | 0.87% | 0.37% | 0.86% | 1.02% | 1.13% | 0.72% | 0.74% | 0.73% | 1.02% |
Portfolio components: | ||||||||||||
SGOL Aberdeen Standard Physical Gold Shares ETF | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
FSRNX Fidelity Real Estate Index Fund | 3.00% | 2.86% | 2.84% | 2.66% | 1.25% | 3.33% | 3.18% | 3.73% | 2.27% | 2.58% | 2.57% | 4.18% |
SPLG SPDR Portfolio S&P 500 ETF | 1.50% | 1.28% | 1.44% | 1.69% | 1.25% | 1.54% | 1.79% | 2.23% | 1.75% | 1.97% | 1.98% | 1.79% |
TFLO iShares Treasury Floating Rate Bond ETF | 4.80% | 5.21% | 4.89% | 1.67% | 0.00% | 0.36% | 2.08% | 1.65% | 0.86% | 0.30% | 0.15% | 0.08% |
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 Roth Target 2. 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 Target 2 was 18.53%, occurring on Oct 20, 2022. Recovery took 289 trading sessions.
The current Roth Target 2 drawdown is 4.29%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
---|---|---|---|---|---|---|
-18.53% | Mar 9, 2022 | 157 | Oct 20, 2022 | 289 | Dec 14, 2023 | 446 |
-17.13% | Feb 24, 2020 | 19 | Mar 19, 2020 | 74 | Jul 6, 2020 | 93 |
-12.97% | Jan 23, 2015 | 218 | Dec 2, 2015 | 107 | May 6, 2016 | 325 |
-12.15% | Aug 3, 2016 | 95 | Dec 15, 2016 | 276 | Jan 23, 2018 | 371 |
-7.74% | Aug 7, 2020 | 144 | Mar 4, 2021 | 45 | May 7, 2021 | 189 |
Volatility
Volatility Chart
The current Roth Target 2 volatility is 4.10%, 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
TFLO | SGOL | SPLG | FSRNX | |
---|---|---|---|---|
TFLO | 1.00 | -0.01 | -0.04 | -0.05 |
SGOL | -0.01 | 1.00 | 0.01 | 0.09 |
SPLG | -0.04 | 0.01 | 1.00 | 0.56 |
FSRNX | -0.05 | 0.09 | 0.56 | 1.00 |