Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Div+Growth Plan, 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 May 4, 2022, corresponding to the inception date of JEPQ
Returns By Period
| 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.11% | -3.43% | -3.84% | -1.98% | 16.08% | 16.86% | 10.37% | 12.29% |
Portfolio Div+Growth Plan | 0.11% | -2.38% | 1.72% | 3.62% | 12.30% | 12.02% | — | — |
| Portfolio components: | ||||||||
DGRW WisdomTree U.S. Dividend Growth Fund | -0.03% | -4.33% | -1.26% | -0.51% | 11.18% | 13.85% | 10.87% | 13.11% |
DGRO iShares Core Dividend Growth ETF | 0.16% | -3.33% | 1.76% | 4.21% | 15.91% | 14.42% | 10.17% | 12.88% |
VIG Vanguard Dividend Appreciation ETF | 0.16% | -3.69% | -1.33% | 0.36% | 12.71% | 13.72% | 9.86% | 12.36% |
SPHY SPDR Portfolio High Yield Bond ETF | 0.22% | -0.22% | 0.15% | 1.27% | 7.25% | 8.56% | 4.41% | 5.33% |
PFXF VanEck Vectors Preferred Securities ex Financials ETF | 0.20% | -2.37% | 0.97% | 1.46% | 12.97% | 7.92% | 3.47% | 5.08% |
PFF iShares Preferred and Income Securities ETF | 0.16% | -2.26% | -0.60% | -1.71% | 5.34% | 5.55% | 1.18% | 3.35% |
JEPI JPMorgan Equity Premium Income ETF | 0.07% | -3.33% | 0.53% | 3.26% | 7.70% | 9.62% | 8.34% | — |
JEPQ JPMorgan Nasdaq Equity Premium Income ETF | 0.13% | -1.64% | -1.76% | 2.43% | 19.67% | 19.59% | — | — |
SCHD Schwab U.S. Dividend Equity ETF | 0.16% | -2.44% | 12.35% | 13.88% | 13.89% | 11.70% | 8.35% | 12.30% |
GSBFX Goldman Sachs Income Builder Fund | 0.38% | -1.68% | 0.96% | 2.50% | 10.30% | 9.39% | 5.37% | 6.85% |
Monthly Returns
Based on dividend-adjusted daily data since May 5, 2022, Div+Growth Plan's average daily return is +0.04%, while the average monthly return is +0.73%. At this rate, your investment would double in approximately 7.9 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2023 with a return of +7.5%, while the worst month was Sep 2022 at -7.5%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.
On a daily basis, Div+Growth Plan closed higher 54% of trading days. The best single day was Apr 9, 2025 with a return of +5.6%, while the worst single day was Apr 4, 2025 at -4.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.15% | 2.09% | -3.80% | 0.41% | 1.72% | ||||||||
| 2025 | 2.14% | 0.55% | -2.47% | -1.77% | 2.68% | 2.63% | 0.78% | 2.84% | 1.14% | 0.02% | 1.74% | 0.42% | 11.06% |
| 2024 | 0.74% | 1.72% | 2.84% | -3.12% | 2.92% | 0.28% | 3.11% | 2.25% | 1.70% | -1.22% | 3.63% | -2.82% | 12.42% |
| 2023 | 4.76% | -2.31% | 0.08% | 0.66% | -2.33% | 4.78% | 3.20% | -1.57% | -2.53% | -3.09% | 7.49% | 4.48% | 13.70% |
| 2022 | -1.11% | -6.60% | 5.56% | -3.02% | -7.53% | 7.02% | 5.76% | -3.23% | -4.23% |
Benchmark Metrics
Div+Growth Plan has an annualized alpha of 1.29%, beta of 0.62, and R² of 0.86 versus S&P 500 Index. Calculated based on daily prices since May 05, 2022.
- This portfolio participated in 71.00% of S&P 500 Index downside but only 65.35% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.62 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
- 1.29%
- Beta
- 0.62
- R²
- 0.86
- Upside Capture
- 65.35%
- Downside Capture
- 71.00%
Expense Ratio
Div+Growth Plan has an expense ratio of 0.25%, 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
Div+Growth Plan ranks 33 for risk / return — below 33% of portfolios on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.06 | 0.88 | +0.18 |
Sortino ratioReturn per unit of downside risk | 1.56 | 1.37 | +0.19 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.40 | 1.39 | +0.02 |
Martin ratioReturn relative to average drawdown | 6.67 | 6.43 | +0.23 |
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 | |
|---|---|---|---|---|---|---|
DGRW WisdomTree U.S. Dividend Growth Fund | 37 | 0.73 | 1.16 | 1.17 | 1.02 | 4.55 |
DGRO iShares Core Dividend Growth ETF | 58 | 1.11 | 1.61 | 1.24 | 1.52 | 6.97 |
VIG Vanguard Dividend Appreciation ETF | 43 | 0.84 | 1.28 | 1.19 | 1.24 | 5.41 |
SPHY SPDR Portfolio High Yield Bond ETF | 72 | 1.33 | 1.96 | 1.31 | 1.82 | 9.48 |
PFXF VanEck Vectors Preferred Securities ex Financials ETF | 62 | 1.20 | 1.72 | 1.23 | 1.93 | 6.80 |
PFF iShares Preferred and Income Securities ETF | 30 | 0.64 | 0.94 | 1.12 | 1.07 | 3.01 |
JEPI JPMorgan Equity Premium Income ETF | 30 | 0.58 | 0.92 | 1.15 | 0.79 | 3.80 |
JEPQ JPMorgan Nasdaq Equity Premium Income ETF | 63 | 1.07 | 1.63 | 1.26 | 1.75 | 8.55 |
SCHD Schwab U.S. Dividend Equity ETF | 40 | 0.89 | 1.34 | 1.19 | 1.09 | 3.69 |
GSBFX Goldman Sachs Income Builder Fund | 67 | 1.41 | 1.93 | 1.30 | 1.74 | 7.97 |
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Dividends
Dividend yield
Div+Growth Plan provided a 5.84% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 5.84% | 5.56% | 5.88% | 5.08% | 5.47% | 4.02% | 4.12% | 3.77% | 4.31% | 3.55% | 3.47% | 3.39% |
| Portfolio components: | ||||||||||||
DGRW WisdomTree U.S. Dividend Growth Fund | 1.43% | 1.43% | 1.55% | 1.74% | 2.15% | 1.78% | 1.93% | 2.20% | 2.42% | 1.71% | 2.13% | 2.18% |
DGRO iShares Core Dividend Growth ETF | 2.09% | 2.09% | 2.26% | 2.45% | 2.34% | 1.93% | 2.30% | 2.21% | 2.44% | 2.03% | 2.27% | 2.52% |
VIG Vanguard Dividend Appreciation ETF | 1.60% | 1.62% | 1.73% | 1.88% | 1.96% | 1.55% | 1.63% | 1.71% | 2.08% | 1.88% | 2.14% | 2.34% |
SPHY SPDR Portfolio High Yield Bond ETF | 7.36% | 7.38% | 7.80% | 7.30% | 6.47% | 5.13% | 5.63% | 5.73% | 4.09% | 4.41% | 4.27% | 4.29% |
PFXF VanEck Vectors Preferred Securities ex Financials ETF | 6.62% | 6.72% | 7.82% | 7.88% | 6.74% | 4.66% | 5.19% | 5.35% | 6.56% | 5.93% | 5.81% | 5.99% |
PFF iShares Preferred and Income Securities ETF | 5.84% | 6.30% | 6.32% | 6.63% | 6.01% | 4.45% | 4.79% | 5.31% | 6.32% | 5.59% | 5.85% | 5.76% |
JEPI JPMorgan Equity Premium Income ETF | 8.46% | 8.25% | 7.33% | 8.40% | 11.68% | 6.59% | 5.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
JEPQ JPMorgan Nasdaq Equity Premium Income ETF | 11.12% | 10.53% | 9.65% | 10.03% | 9.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SCHD Schwab U.S. Dividend Equity ETF | 3.45% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
GSBFX Goldman Sachs Income Builder Fund | 5.31% | 4.39% | 5.12% | 3.41% | 4.10% | 6.66% | 3.05% | 3.52% | 3.98% | 3.52% | 3.78% | 3.93% |
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 Div+Growth Plan. 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 Div+Growth Plan was 13.00%, occurring on Sep 30, 2022. Recovery took 84 trading sessions.
The current Div+Growth Plan drawdown is 3.57%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -13% | Aug 17, 2022 | 32 | Sep 30, 2022 | 84 | Feb 1, 2023 | 116 |
| -11.43% | Feb 20, 2025 | 34 | Apr 8, 2025 | 55 | Jun 27, 2025 | 89 |
| -10.12% | May 5, 2022 | 30 | Jun 16, 2022 | 39 | Aug 12, 2022 | 69 |
| -8.23% | Aug 1, 2023 | 63 | Oct 27, 2023 | 24 | Dec 1, 2023 | 87 |
| -7% | Feb 3, 2023 | 26 | Mar 13, 2023 | 77 | Jul 3, 2023 | 103 |
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 15.00, 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 | BKCC | PFF | JEPQ | PFXF | SPHY | VYMI | DES | SCHD | VDIGX | JEPI | VYM | GSBFX | DGRW | VIG | DGRO | Portfolio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benchmark | 1.00 | 0.33 | 0.61 | 0.93 | 0.64 | 0.71 | 0.67 | 0.71 | 0.69 | 0.79 | 0.81 | 0.80 | 0.82 | 0.94 | 0.90 | 0.84 | 0.88 |
| BKCC | 0.33 | 1.00 | 0.33 | 0.27 | 0.32 | 0.31 | 0.32 | 0.35 | 0.36 | 0.31 | 0.29 | 0.35 | 0.36 | 0.33 | 0.33 | 0.35 | 0.44 |
| PFF | 0.61 | 0.33 | 1.00 | 0.52 | 0.90 | 0.71 | 0.60 | 0.64 | 0.57 | 0.59 | 0.58 | 0.62 | 0.73 | 0.61 | 0.62 | 0.63 | 0.74 |
| JEPQ | 0.93 | 0.27 | 0.52 | 1.00 | 0.54 | 0.62 | 0.57 | 0.55 | 0.50 | 0.63 | 0.68 | 0.61 | 0.68 | 0.81 | 0.75 | 0.67 | 0.73 |
| PFXF | 0.64 | 0.32 | 0.90 | 0.54 | 1.00 | 0.67 | 0.61 | 0.65 | 0.60 | 0.61 | 0.62 | 0.65 | 0.73 | 0.64 | 0.65 | 0.66 | 0.76 |
| SPHY | 0.71 | 0.31 | 0.71 | 0.62 | 0.67 | 1.00 | 0.63 | 0.64 | 0.59 | 0.63 | 0.62 | 0.64 | 0.79 | 0.68 | 0.68 | 0.67 | 0.76 |
| VYMI | 0.67 | 0.32 | 0.60 | 0.57 | 0.61 | 0.63 | 1.00 | 0.67 | 0.66 | 0.64 | 0.64 | 0.72 | 0.78 | 0.69 | 0.69 | 0.71 | 0.78 |
| DES | 0.71 | 0.35 | 0.64 | 0.55 | 0.65 | 0.64 | 0.67 | 1.00 | 0.83 | 0.72 | 0.74 | 0.86 | 0.77 | 0.77 | 0.79 | 0.84 | 0.88 |
| SCHD | 0.69 | 0.36 | 0.57 | 0.50 | 0.60 | 0.59 | 0.66 | 0.83 | 1.00 | 0.81 | 0.82 | 0.92 | 0.79 | 0.82 | 0.84 | 0.92 | 0.88 |
| VDIGX | 0.79 | 0.31 | 0.59 | 0.63 | 0.61 | 0.63 | 0.64 | 0.72 | 0.81 | 1.00 | 0.91 | 0.86 | 0.81 | 0.88 | 0.92 | 0.91 | 0.89 |
| JEPI | 0.81 | 0.29 | 0.58 | 0.68 | 0.62 | 0.62 | 0.64 | 0.74 | 0.82 | 0.91 | 1.00 | 0.88 | 0.83 | 0.89 | 0.92 | 0.92 | 0.90 |
| VYM | 0.80 | 0.35 | 0.62 | 0.61 | 0.65 | 0.64 | 0.72 | 0.86 | 0.92 | 0.86 | 0.88 | 1.00 | 0.86 | 0.89 | 0.93 | 0.97 | 0.94 |
| GSBFX | 0.82 | 0.36 | 0.73 | 0.68 | 0.73 | 0.79 | 0.78 | 0.77 | 0.79 | 0.81 | 0.83 | 0.86 | 1.00 | 0.86 | 0.87 | 0.88 | 0.92 |
| DGRW | 0.94 | 0.33 | 0.61 | 0.81 | 0.64 | 0.68 | 0.69 | 0.77 | 0.82 | 0.88 | 0.89 | 0.89 | 0.86 | 1.00 | 0.96 | 0.93 | 0.93 |
| VIG | 0.90 | 0.33 | 0.62 | 0.75 | 0.65 | 0.68 | 0.69 | 0.79 | 0.84 | 0.92 | 0.92 | 0.93 | 0.87 | 0.96 | 1.00 | 0.97 | 0.95 |
| DGRO | 0.84 | 0.35 | 0.63 | 0.67 | 0.66 | 0.67 | 0.71 | 0.84 | 0.92 | 0.91 | 0.92 | 0.97 | 0.88 | 0.93 | 0.97 | 1.00 | 0.96 |
| Portfolio | 0.88 | 0.44 | 0.74 | 0.73 | 0.76 | 0.76 | 0.78 | 0.88 | 0.88 | 0.89 | 0.90 | 0.94 | 0.92 | 0.93 | 0.95 | 0.96 | 1.00 |