ChatGPT Suggested

Asset Allocation

Position	Category/Sector	Target Weight
CGL-C.TO iShares Gold Bullion ETF	Precious Metals, Gold	2.50%
VCN.TO Vanguard FTSE Canada All Cap Index ETF	Canada Equities	25%
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	International Equity	15%
VSB.TO Vanguard Canadian Short Term Bond	Canadian Government Bonds	10%
VUN.TO Vanguard U.S. Total Market Index ETF	Large Cap Blend Equities	25%
XEC.TO iShares Core MSCI Emerging Markets IMI Index ETF	Emerging Markets Equities	10%
XFR.TO iShares Floating Rate Index ETF	Canadian Government Bonds	10%
XRB.TO iShares Canadian Real Return Bond Index ETF	Inflation-Protected Bonds	2.50%

Benchmark Against

Benchmark

S&P 500 Index

Rebalance

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in ChatGPT Suggested, 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 Dec 8, 2015, corresponding to the inception date of VIU.TO

Returns By Period

As of Apr 9, 2026, the ChatGPT Suggested returned 3.89% Year-To-Date and 9.55% of annualized return in the last 10 years.

	1D	1M	YTD	6M	1Y	3Y*	5Y*	10Y*
Benchmark S&P 500 Index	2.51%	-0.19%	-0.92%	0.43%	36.13%	18.22%	10.44%	12.72%
Portfolio ChatGPT Suggested	2.30%	0.18%	3.89%	7.12%	38.51%	15.86%	8.35%	9.55%
Portfolio components:
VCN.TO Vanguard FTSE Canada All Cap Index ETF	0.00%	-1.28%	4.41%	10.12%	53.63%	20.21%	12.51%	11.90%
VUN.TO Vanguard U.S. Total Market Index ETF	2.44%	-0.01%	-0.33%	0.96%	38.05%	19.15%	10.42%	13.73%
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	4.37%	3.51%	8.88%	13.15%	51.76%	17.35%	8.67%	9.30%
XEC.TO iShares Core MSCI Emerging Markets IMI Index ETF	0.00%	-1.75%	5.12%	6.98%	52.61%	16.27%	4.33%	8.07%
VSB.TO Vanguard Canadian Short Term Bond	0.49%	-2.03%	-0.44%	1.50%	5.67%	3.18%	-0.06%	1.27%
XFR.TO iShares Floating Rate Index ETF	0.27%	-1.78%	-0.31%	2.14%	6.15%	3.18%	1.08%	1.57%
CGL-C.TO iShares Gold Bullion ETF	0.38%	-8.17%	9.59%	16.23%	57.17%	32.04%	21.39%	13.58%
XRB.TO iShares Canadian Real Return Bond Index ETF	0.76%	-2.06%	0.72%	2.75%	3.78%	0.17%	-3.27%	-0.53%

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

Monthly Returns

Based on dividend-adjusted daily data since Dec 9, 2015, ChatGPT Suggested's average daily return is +0.04%, while the average monthly return is +0.82%. At this rate, your investment would double in approximately 7.1 years.

Historically, 66% of months were positive and 34% were negative. The best month was Nov 2020 with a return of +9.9%, while the worst month was Mar 2020 at -14.1%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 3 months.

On a daily basis, ChatGPT Suggested closed higher 55% of trading days. The best single day was Mar 24, 2020 with a return of +6.7%, while the worst single day was Mar 16, 2020 at -9.4%.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2026	3.03%	3.50%	-5.83%	3.46%									3.89%
2025	2.38%	0.16%	-1.12%	2.59%	4.26%	3.79%	-0.03%	3.22%	2.99%	1.35%	1.14%	1.69%	24.68%
2024	-0.86%	2.16%	3.17%	-2.80%	3.36%	0.42%	2.30%	2.58%	2.20%	-2.36%	2.97%	-3.56%	9.63%
2023	7.04%	-3.69%	2.11%	1.34%	-2.02%	4.71%	2.80%	-3.05%	-3.36%	-2.97%	7.84%	4.87%	15.66%
2022	-2.80%	-1.23%	1.95%	-6.65%	1.02%	-7.15%	4.85%	-3.83%	-8.68%	5.01%	7.39%	-3.81%	-14.41%
2021	-0.11%	2.02%	2.98%	3.53%	3.08%	-0.46%	0.03%	0.93%	-3.07%	4.50%	-3.13%	3.25%	14.01%

Benchmark Metrics

ChatGPT Suggested has an annualized alpha of 0.83%, beta of 0.71, and R² of 0.79 versus S&P 500 Index. Calculated based on daily prices since December 09, 2015.

This portfolio participated in 74.35% of S&P 500 Index downside but only 69.63% of its upside — more exposed to losses than it benefited from rallies.

Alpha: 0.83%

Beta: 0.71

R²: 0.79

Upside Capture: 69.63%

Downside Capture: 74.35%

Expense Ratio

ChatGPT Suggested has an expense ratio of 0.17%, 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.

CGL-C.TO

iShares Gold Bullion ETF

XRB.TO

iShares Canadian Real Return Bond Index ETF

XEC.TO

iShares Core MSCI Emerging Markets IMI Index ETF

VIU.TO

Vanguard FTSE Developed All Cap ex North America Index ETF

VUN.TO

Vanguard U.S. Total Market Index ETF

VSB.TO

Vanguard Canadian Short Term Bond

XFR.TO

iShares Floating Rate Index ETF

VCN.TO

Vanguard FTSE Canada All Cap Index ETF

Return for Risk

Risk / Return Rank

ChatGPT Suggested ranks 81 for risk / return — in the top 81% of portfolios on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

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	3.16	2.19	+0.97
Sortino ratio Return per unit of downside risk	4.78	3.49	+1.28
Omega ratio Gain probability vs. loss probability	1.66	1.48	+0.18
Calmar ratio Return relative to maximum drawdown	4.35	3.70	+0.64
Martin ratio Return relative to average drawdown	19.37	16.45	+2.93
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
VCN.TO Vanguard FTSE Canada All Cap Index ETF	93	3.49	4.66	1.67	5.19	22.67
VUN.TO Vanguard U.S. Total Market Index ETF	72	2.25	3.60	1.48	4.02	17.46
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	78	3.02	4.32	1.59	3.94	15.95
XEC.TO iShares Core MSCI Emerging Markets IMI Index ETF	73	2.84	3.79	1.54	3.38	12.93
VSB.TO Vanguard Canadian Short Term Bond	22	1.11	1.71	1.20	1.48	4.10
XFR.TO iShares Floating Rate Index ETF	27	1.24	2.04	1.23	2.11	4.45
CGL-C.TO iShares Gold Bullion ETF	49	2.08	2.52	1.37	2.82	9.84
XRB.TO iShares Canadian Real Return Bond Index ETF	10	0.47	0.71	1.08	0.26	0.60

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.

ChatGPT Suggested Sharpe ratios as of Apr 9, 2026 (values are recalculated daily):

1-Year: 3.16
5-Year: 0.64
10-Year: 0.68
All Time: 0.68

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 2.14 to 2.98, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of ChatGPT Suggested 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

ChatGPT Suggested provided a 1.93% dividend yield over the last twelve months.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Portfolio	1.93%	2.06%	2.35%	2.45%	2.18%	1.76%	1.79%	2.23%	2.19%	1.82%	1.76%	1.67%
Portfolio components:
VCN.TO Vanguard FTSE Canada All Cap Index ETF	2.08%	2.27%	2.69%	2.99%	3.15%	2.48%	2.70%	2.85%	2.80%	2.29%	2.34%	2.65%
VUN.TO Vanguard U.S. Total Market Index ETF	0.83%	0.84%	0.93%	1.10%	1.21%	0.97%	1.15%	1.45%	1.52%	1.39%	1.49%	1.49%
VIU.TO Vanguard FTSE Developed All Cap ex North America Index ETF	2.30%	2.48%	2.55%	2.65%	2.75%	2.37%	1.97%	2.67%	2.75%	2.12%	1.71%	0.27%
XEC.TO iShares Core MSCI Emerging Markets IMI Index ETF	1.72%	1.92%	2.03%	2.16%	2.28%	2.78%	1.64%	2.87%	2.66%	2.13%	1.80%	2.19%
VSB.TO Vanguard Canadian Short Term Bond	3.03%	3.04%	3.04%	2.66%	2.24%	2.02%	2.24%	2.31%	2.29%	2.34%	2.45%	2.38%
XFR.TO iShares Floating Rate Index ETF	2.85%	3.23%	4.93%	4.91%	1.85%	0.30%	1.07%	1.96%	1.60%	0.95%	0.77%	0.94%
CGL-C.TO iShares Gold Bullion 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%
XRB.TO iShares Canadian Real Return Bond Index ETF	3.72%	3.78%	2.40%	2.40%	1.86%	1.25%	1.38%	1.74%	1.76%	1.71%	1.61%	1.63%

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 ChatGPT Suggested. 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 ChatGPT Suggested was 30.39%, occurring on Mar 23, 2020. Recovery took 102 trading sessions.

The current ChatGPT Suggested drawdown is 2.67%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-30.39%	Jan 21, 2020	44	Mar 23, 2020	102	Aug 18, 2020	146
-22.67%	Nov 9, 2021	234	Oct 14, 2022	350	Mar 7, 2024	584
-17.33%	Jan 29, 2018	229	Dec 24, 2018	215	Nov 4, 2019	444
-11.03%	Dec 9, 2015	28	Jan 20, 2016	31	Mar 4, 2016	59
-10.97%	Feb 19, 2025	35	Apr 8, 2025	18	May 5, 2025	53

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 8 assets, with an effective number of assets of 5.59, 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	CGL-C.TO	XRB.TO	XFR.TO	VUN.TO	XEC.TO	VSB.TO	VIU.TO	VCN.TO	Portfolio
Benchmark	1.00	0.04	0.21	0.43	0.96	0.66	0.41	0.76	0.72	0.84
CGL-C.TO	0.04	1.00	0.38	0.33	0.05	0.21	0.40	0.20	0.28	0.26
XRB.TO	0.21	0.38	1.00	0.51	0.22	0.29	0.64	0.31	0.40	0.41
XFR.TO	0.43	0.33	0.51	1.00	0.44	0.53	0.93	0.56	0.71	0.70
VUN.TO	0.96	0.05	0.22	0.44	1.00	0.69	0.43	0.78	0.74	0.87
XEC.TO	0.66	0.21	0.29	0.53	0.69	1.00	0.52	0.78	0.69	0.83
VSB.TO	0.41	0.40	0.64	0.93	0.43	0.52	1.00	0.55	0.69	0.69
VIU.TO	0.76	0.20	0.31	0.56	0.78	0.78	0.55	1.00	0.77	0.90
VCN.TO	0.72	0.28	0.40	0.71	0.74	0.69	0.69	0.77	1.00	0.93
Portfolio	0.84	0.26	0.41	0.70	0.87	0.83	0.69	0.90	0.93	1.00

The correlation results are calculated based on daily price changes starting from Dec 9, 2015

ChatGPT Suggested

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