Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
SCHR Schwab Intermediate-Term U.S. Treasury ETF | Government Bonds | 20% |
SWISX Schwab International Index Fund | Foreign Large Cap Equities | 10% |
SWPPX Schwab S&P 500 Index Fund | Large Cap Blend Equities, S&P 500 | 50% |
VXUS Vanguard Total International Stock ETF | Foreign Large Cap Equities | 20% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in House Down Payment Investment, 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 Jan 28, 2011, corresponding to the inception date of VXUS
Returns By Period
As of Apr 2, 2026, the House Down Payment Investment returned -0.96% Year-To-Date and 10.28% of annualized return in the last 10 years.
| 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 House Down Payment Investment | -0.11% | -2.58% | -0.96% | 1.39% | 17.50% | 14.52% | 8.54% | 10.28% |
| Portfolio components: | ||||||||
SWPPX Schwab S&P 500 Index Fund | 0.78% | -3.43% | -3.65% | -1.46% | 17.40% | 18.57% | 11.93% | 14.13% |
SWISX Schwab International Index Fund | 1.62% | -1.83% | 2.68% | 6.37% | 24.54% | 15.02% | 8.54% | 9.02% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 0.16% | -1.07% | 0.05% | 0.76% | 4.10% | 3.20% | 0.34% | 1.32% |
VXUS Vanguard Total International Stock ETF | -0.68% | -2.51% | 2.81% | 6.58% | 28.04% | 15.41% | 7.43% | 9.01% |
Monthly Returns
Based on dividend-adjusted daily data since Jan 31, 2011, House Down Payment Investment's average daily return is +0.04%, while the average monthly return is +0.79%. At this rate, your investment would double in approximately 7.3 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +9.5%, while the worst month was Mar 2020 at -10.0%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, House Down Payment Investment closed higher 55% of trading days. The best single day was Apr 9, 2025 with a return of +6.6%, while the worst single day was Mar 16, 2020 at -8.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.33% | 1.50% | -5.28% | 0.66% | -0.96% | ||||||||
| 2025 | 2.66% | 0.43% | -2.58% | 0.88% | 4.38% | 3.86% | 0.60% | 2.65% | 2.80% | 1.71% | 0.42% | 0.76% | 20.01% |
| 2024 | 0.49% | 3.25% | 2.71% | -3.25% | 4.08% | 1.63% | 1.88% | 2.29% | 1.88% | -2.38% | 3.06% | -2.26% | 13.89% |
| 2023 | 6.20% | -2.87% | 3.33% | 1.57% | -1.08% | 4.42% | 2.64% | -2.12% | -3.78% | -2.19% | 7.66% | 4.37% | 18.80% |
| 2022 | -3.85% | -2.46% | 1.14% | -6.84% | 0.73% | -6.70% | 6.24% | -4.12% | -8.18% | 5.15% | 7.28% | -3.65% | -15.57% |
| 2021 | -0.68% | 1.81% | 2.58% | 3.64% | 1.41% | 1.00% | 1.29% | 1.92% | -3.56% | 4.21% | -1.57% | 3.40% | 16.27% |
Benchmark Metrics
House Down Payment Investment has an annualized alpha of 0.68%, beta of 0.74, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since January 31, 2011.
- This portfolio participated in 79.62% of S&P 500 Index downside but only 75.53% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- 0.68%
- Beta
- 0.74
- R²
- 0.95
- Upside Capture
- 75.53%
- Downside Capture
- 79.62%
Expense Ratio
House Down Payment Investment has an expense ratio of 0.04%, 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.
Return for Risk
Risk / Return Rank
House Down Payment Investment ranks 54 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.
Return / Risk — by metrics
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.29 | 0.88 | +0.41 |
Sortino ratioReturn per unit of downside risk | 1.89 | 1.37 | +0.53 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.21 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.92 | 1.39 | +0.53 |
Martin ratioReturn relative to average drawdown | 8.52 | 6.43 | +2.09 |
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 | |
|---|---|---|---|---|---|---|
SWPPX Schwab S&P 500 Index Fund | 50 | 1.00 | 1.52 | 1.23 | 1.54 | 7.31 |
SWISX Schwab International Index Fund | 73 | 1.45 | 1.98 | 1.29 | 2.21 | 8.38 |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 52 | 1.07 | 1.63 | 1.19 | 1.66 | 5.09 |
VXUS Vanguard Total International Stock ETF | 80 | 1.63 | 2.25 | 1.33 | 2.52 | 9.49 |
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Dividends
Dividend yield
House Down Payment Investment provided a 2.29% dividend yield over the last twelve months.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.29% | 2.32% | 2.37% | 2.33% | 2.13% | 1.79% | 1.85% | 2.36% | 2.71% | 2.04% | 2.47% | 2.74% |
| Portfolio components: | ||||||||||||
SWPPX Schwab S&P 500 Index Fund | 1.15% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
SWISX Schwab International Index Fund | 3.46% | 3.55% | 3.29% | 3.31% | 2.73% | 3.34% | 1.88% | 3.09% | 3.15% | 2.71% | 3.19% | 2.71% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 3.89% | 3.85% | 3.77% | 3.16% | 2.02% | 1.00% | 1.62% | 2.31% | 2.11% | 1.65% | 1.45% | 1.56% |
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% |
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 House Down Payment Investment. 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 House Down Payment Investment was 26.01%, occurring on Mar 23, 2020. Recovery took 94 trading sessions.
The current House Down Payment Investment drawdown is 5.54%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -26.01% | Feb 13, 2020 | 27 | Mar 23, 2020 | 94 | Aug 5, 2020 | 121 |
| -22.93% | Jan 5, 2022 | 196 | Oct 14, 2022 | 301 | Dec 27, 2023 | 497 |
| -15.46% | May 2, 2011 | 108 | Oct 3, 2011 | 96 | Feb 21, 2012 | 204 |
| -14.77% | Jan 29, 2018 | 229 | Dec 24, 2018 | 81 | Apr 23, 2019 | 310 |
| -12.93% | May 22, 2015 | 183 | Feb 11, 2016 | 117 | Jul 29, 2016 | 300 |
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 4 assets, with an effective number of assets of 2.94, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| Benchmark | SCHR | SWISX | VXUS | SWPPX | Portfolio | |
|---|---|---|---|---|---|---|
| Benchmark | 1.00 | -0.21 | 0.80 | 0.81 | 1.00 | 0.96 |
| SCHR | -0.21 | 1.00 | -0.13 | -0.15 | -0.21 | -0.13 |
| SWISX | 0.80 | -0.13 | 1.00 | 0.96 | 0.80 | 0.91 |
| VXUS | 0.81 | -0.15 | 0.96 | 1.00 | 0.81 | 0.92 |
| SWPPX | 1.00 | -0.21 | 0.80 | 0.81 | 1.00 | 0.96 |
| Portfolio | 0.96 | -0.13 | 0.91 | 0.92 | 0.96 | 1.00 |