FthePlan - Current | PortfoliosLab

Asset Allocation

Position	Category/Sector	Target Weight
AAPL Apple Inc	Technology	5.43%
FSELX Fidelity Select Semiconductors Portfolio	Technology Equities	8.52%
FSMEX Fidelity Select Medical Technology and Devices Portfolio	Health & Biotech Equities	1.76%
FSPTX Fidelity Select Technology Portfolio	Technology Equities	3.12%
FXAIX Fidelity 500 Index Fund	S&P 500	6.65%
PRGSX T. Rowe Price Global Stock Fund	Global Equities	5.08%
SCHD Schwab U.S. Dividend Equity ETF	Dividend	1.36%
SPECX Alger Spectra Fund	Large Cap Growth Equities	10.19%
TWCGX American Century Growth Fund	Large Cap Growth Equities	7.28%
TWCUX American Century Ultra Fund	Large Cap Growth Equities	10.18%
TXN Texas Instruments Incorporated	Technology	1.70%
USD=X USD Cash		38.73%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in FthePlan - Current, 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 Oct 20, 2011, corresponding to the inception date of SCHD

Returns By Period

As of Apr 3, 2026, the FthePlan - Current returned -2.13% Year-To-Date and 12.15% 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 FthePlan - Current	0.00%	-1.33%	-2.13%	-1.25%	17.96%	14.74%	8.85%	12.15%
Portfolio components:
SCHD Schwab U.S. Dividend Equity ETF	0.16%	-2.44%	12.35%	13.88%	13.89%	11.70%	8.35%	12.30%
TWCUX American Century Ultra Fund	1.10%	-3.48%	-7.79%	-7.36%	15.22%	18.41%	9.64%	16.27%
TWCGX American Century Growth Fund	0.94%	-3.94%	-9.39%	-9.07%	15.55%	17.97%	9.92%	15.03%
FSELX Fidelity Select Semiconductors Portfolio	2.65%	2.23%	10.04%	14.94%	99.87%	47.68%	32.29%	32.68%
FXAIX Fidelity 500 Index Fund	0.72%	-3.44%	-3.65%	-1.50%	17.37%	18.58%	11.95%	14.16%
FSMEX Fidelity Select Medical Technology and Devices Portfolio	0.36%	-6.93%	-15.55%	-10.48%	-6.89%	1.17%	-0.34%	10.73%
FSPTX Fidelity Select Technology Portfolio	1.53%	-0.05%	-2.53%	-2.34%	37.42%	29.43%	14.95%	23.03%
AAPL Apple Inc	0.11%	-2.97%	-5.78%	-0.28%	14.80%	16.04%	16.39%	26.10%
PRGSX T. Rowe Price Global Stock Fund	1.56%	-3.23%	-1.44%	1.57%	22.81%	17.43%	5.76%	14.81%
TXN Texas Instruments Incorporated	-0.73%	-3.85%	13.06%	8.54%	12.81%	5.02%	3.19%	16.09%

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

Monthly Returns

Based on dividend-adjusted daily data since Oct 21, 2011, FthePlan - Current's average daily return is +0.03%, while the average monthly return is +0.94%. At this rate, your investment would double in approximately 6.2 years.

Historically, 63% of months were positive and 37% were negative. The best month was Apr 2020 with a return of +9.0%, while the worst month was Apr 2022 at -7.6%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 4 months.

On a daily basis, FthePlan - Current closed higher 38% of trading days. The best single day was Apr 9, 2025 with a return of +7.4%, while the worst single day was Mar 16, 2020 at -7.6%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	1.24%	-1.08%	-3.00%	0.75%									-2.13%
2025	0.68%	-1.72%	-5.32%	0.56%	5.62%	5.06%	1.57%	1.55%	4.03%	2.83%	-1.02%	-0.14%	14.00%
2024	1.35%	4.52%	1.43%	-2.22%	4.45%	3.49%	-0.91%	1.42%	1.11%	-0.44%	3.52%	0.62%	19.65%
2023	6.29%	-0.17%	4.53%	-0.33%	3.75%	4.22%	1.87%	-1.40%	-3.81%	-2.09%	6.89%	3.32%	24.88%
2022	-5.71%	-2.00%	1.82%	-7.62%	-0.75%	-5.93%	8.37%	-3.42%	-6.46%	3.42%	3.91%	-5.23%	-19.08%
2021	-0.15%	1.10%	0.61%	3.14%	-0.49%	3.72%	1.41%	2.36%	-3.06%	4.51%	1.17%	1.16%	16.38%

Benchmark Metrics

FthePlan - Current has an annualized alpha of 2.35%, beta of 0.70, and R² of 0.89 versus S&P 500 Index. Calculated based on daily prices since October 21, 2011.

This portfolio participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (72.67%) than losses (67.28%) — typical of diversified or defensive assets.
This portfolio generated an annualized alpha of 2.35% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.

Alpha: 2.35%

Beta: 0.70

R²: 0.89

Upside Capture: 72.67%

Downside Capture: 67.28%

Expense Ratio

FthePlan - Current has an expense ratio of 0.44%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

SPECX

Alger Spectra Fund

TWCGX

American Century Growth Fund

TWCUX

American Century Ultra Fund

PRGSX

T. Rowe Price Global Stock Fund

FSELX

Fidelity Select Semiconductors Portfolio

FSMEX

Fidelity Select Medical Technology and Devices Portfolio

FSPTX

Fidelity Select Technology Portfolio

SCHD

Schwab U.S. Dividend Equity ETF

FXAIX

Fidelity 500 Index Fund

Return for Risk

Risk / Return Rank

FthePlan - Current 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.

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	1.60	0.88	+0.72
Sortino ratio Return per unit of downside risk	2.46	1.37	+1.09
Omega ratio Gain probability vs. loss probability	1.34	1.21	+0.13
Calmar ratio Return relative to maximum drawdown	1.00	1.39	-0.39
Martin ratio Return relative to average drawdown	3.60	6.43	-2.84
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
SCHD Schwab U.S. Dividend Equity ETF	40	0.89	1.34	1.19	1.09	3.69
TWCUX American Century Ultra Fund	25	0.69	1.17	1.16	1.09	3.78
TWCGX American Century Growth Fund	26	0.73	1.22	1.17	1.06	3.58
FSELX Fidelity Select Semiconductors Portfolio	96	2.48	3.10	1.44	6.03	24.38
FXAIX Fidelity 500 Index Fund	50	1.00	1.52	1.23	1.53	7.30
FSMEX Fidelity Select Medical Technology and Devices Portfolio	2	-0.28	-0.27	0.97	-0.31	-0.98
FSPTX Fidelity Select Technology Portfolio	73	1.32	1.96	1.27	2.60	8.88
AAPL Apple Inc	55	0.47	0.92	1.13	0.66	2.04
PRGSX T. Rowe Price Global Stock Fund	55	1.12	1.62	1.23	1.87	7.00
TXN Texas Instruments Incorporated	49	0.32	0.75	1.11	0.44	0.89

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.

FthePlan - Current Sharpe ratios as of Apr 3, 2026 (values are recalculated daily):

1-Year: 1.60
5-Year: 0.62
10-Year: 0.88
All Time: 0.90

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 0.98 to 1.66, 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 FthePlan - Current 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

FthePlan - Current provided a 5.56% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	5.56%	5.29%	3.28%	1.82%	2.36%	6.89%	3.52%	2.34%	6.91%	3.85%	1.66%	4.03%
Portfolio components:
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%
TWCUX American Century Ultra Fund	12.55%	11.57%	3.58%	6.09%	7.42%	6.78%	2.80%	4.27%	8.24%	5.85%	4.58%	5.21%
TWCGX American Century Growth Fund	18.91%	17.14%	5.96%	4.81%	4.86%	9.83%	5.33%	5.60%	14.07%	10.28%	4.64%	6.80%
FSELX Fidelity Select Semiconductors Portfolio	10.09%	11.11%	7.97%	7.20%	6.69%	6.99%	8.13%	3.36%	26.80%	14.44%	3.82%	15.22%
FXAIX Fidelity 500 Index Fund	1.16%	1.11%	1.25%	1.45%	1.69%	1.22%	1.60%	2.06%	2.72%	1.97%	2.52%	2.83%
FSMEX Fidelity Select Medical Technology and Devices Portfolio	12.47%	10.53%	17.04%	0.00%	1.80%	8.12%	6.65%	1.77%	7.47%	6.26%	5.84%	16.35%
FSPTX Fidelity Select Technology Portfolio	9.30%	9.06%	9.42%	0.01%	3.95%	11.62%	18.86%	1.86%	23.77%	8.32%	1.54%	4.19%
AAPL Apple Inc	0.41%	0.38%	0.40%	0.49%	0.70%	0.49%	0.61%	1.04%	1.79%	1.45%	1.93%	1.93%
PRGSX T. Rowe Price Global Stock Fund	9.74%	9.60%	6.73%	0.27%	0.00%	13.67%	5.67%	2.21%	5.81%	0.03%	0.63%	0.33%
TXN Texas Instruments Incorporated	2.85%	3.17%	2.81%	2.94%	2.84%	2.23%	2.27%	2.50%	2.78%	2.03%	2.25%	2.55%

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 FthePlan - Current. 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 FthePlan - Current was 23.89%, occurring on Oct 14, 2022. Recovery took 462 trading sessions.

The current FthePlan - Current drawdown is 4.43%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-23.89%	Dec 16, 2021	303	Oct 14, 2022	462	Jan 19, 2024	765
-20.26%	Feb 20, 2020	33	Mar 23, 2020	74	Jun 5, 2020	107
-16.07%	Feb 20, 2025	48	Apr 8, 2025	77	Jun 24, 2025	125
-14.36%	Aug 30, 2018	117	Dec 24, 2018	100	Apr 3, 2019	217
-10.36%	Jun 24, 2015	233	Feb 11, 2016	158	Jul 18, 2016	391

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 12 assets, with an effective number of assets of 5.13, 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	USD=X	AAPL	SCHD	TXN	FSMEX	FSELX	PRGSX	FSPTX	SPECX	FXAIX	TWCUX	TWCGX	Portfolio
Benchmark	1.00	0.00	0.63	0.82	0.70	0.75	0.77	0.91	0.86	0.90	1.00	0.93	0.94	0.93
USD=X	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
AAPL	0.63	0.00	1.00	0.39	0.44	0.42	0.49	0.53	0.63	0.57	0.57	0.63	0.61	0.67
SCHD	0.82	0.00	0.39	1.00	0.59	0.58	0.54	0.63	0.53	0.56	0.78	0.59	0.61	0.62
TXN	0.70	0.00	0.44	0.59	1.00	0.51	0.74	0.61	0.63	0.59	0.65	0.61	0.61	0.69
FSMEX	0.75	0.00	0.42	0.58	0.51	1.00	0.55	0.68	0.63	0.68	0.70	0.69	0.69	0.68
FSELX	0.77	0.00	0.49	0.54	0.74	0.55	1.00	0.74	0.81	0.75	0.73	0.74	0.75	0.85
PRGSX	0.91	0.00	0.53	0.63	0.61	0.68	0.74	1.00	0.84	0.87	0.86	0.87	0.86	0.88
FSPTX	0.86	0.00	0.63	0.53	0.63	0.63	0.81	0.84	1.00	0.89	0.80	0.89	0.89	0.92
SPECX	0.90	0.00	0.57	0.56	0.59	0.68	0.75	0.87	0.89	1.00	0.85	0.93	0.93	0.92
FXAIX	1.00	0.00	0.57	0.78	0.65	0.70	0.73	0.86	0.80	0.85	1.00	0.88	0.89	0.89
TWCUX	0.93	0.00	0.63	0.59	0.61	0.69	0.74	0.87	0.89	0.93	0.88	1.00	0.95	0.93
TWCGX	0.94	0.00	0.61	0.61	0.61	0.69	0.75	0.86	0.89	0.93	0.89	0.95	1.00	0.93
Portfolio	0.93	0.00	0.67	0.62	0.69	0.68	0.85	0.88	0.92	0.92	0.89	0.93	0.93	1.00

The correlation results are calculated based on daily price changes starting from Oct 21, 2011

FthePlan - Current

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