Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
VOOG Vanguard S&P 500 Growth ETF | S&P 500, Large Cap Growth Equities | 25% |
VYM Vanguard High Dividend Yield ETF | Dividend | 25% |
SMH VanEck Semiconductor ETF | Semiconductors, Technology Equities | 20% |
QQQ Invesco QQQ ETF | Nasdaq-100 | 15% |
GLD SPDR Gold Shares | Gold, Precious Metals | 10% |
BTC-USD Bitcoin | 5% |
Find the right asset allocation for 2025 retire etfs best
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Performance Chart
The chart shows the growth of an initial investment of $10,000 in 2025 retire etfs best, 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 year.
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Returns By Period
As of Jun 13, 2026, the 2025 retire etfs best returned 21.06% Year-To-Date and 27.62% of annualized return in the last 10 years.
| Position | 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.50% | 0.31% | 8.56% | 8.85% | 24.33% | 19.37% | 11.84% | 13.61% |
Portfolio 2025 retire etfs best | 0.07% | 2.31% | 21.06% | 21.61% | 45.08% | 32.95% | 21.14% | 27.62% |
| Portfolio components: | ||||||||
BTC-USD Bitcoin | 2.42% | -17.06% | -25.06% | -25.64% | -37.83% | 36.87% | 10.30% | 55.97% |
GLD SPDR Gold Shares | 0.06% | -7.37% | -2.47% | -2.25% | 22.21% | 28.89% | 17.08% | 12.15% |
QQQ Invesco QQQ ETF | 0.59% | 1.75% | 17.57% | 17.85% | 37.55% | 26.43% | 16.85% | 21.79% |
SMH VanEck Semiconductor ETF | 1.72% | 11.44% | 72.15% | 75.62% | 141.99% | 60.05% | 38.42% | 37.49% |
VOOG Vanguard S&P 500 Growth ETF | 0.38% | -1.27% | 9.67% | 10.61% | 29.13% | 25.78% | 14.86% | 17.86% |
VYM Vanguard High Dividend Yield ETF | 0.80% | 2.93% | 12.37% | 11.19% | 25.94% | 18.06% | 11.59% | 11.95% |
Monthly Returns
Based on dividend-adjusted daily data since Sep 29, 2012, 2025 retire etfs best's average daily return is +0.09%, while the average monthly return is +3.12%. At this rate, an investment would double in approximately 1.9 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2013 with a return of +190.1%, while the worst month was Dec 2013 at -30.1%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 3 months.
On a daily basis, 2025 retire etfs best closed higher 55% of trading days. The best single day was Nov 18, 2013 with a return of +30.2%, while the worst single day was Dec 6, 2013 at -18.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.56% | 0.13% | -5.37% | 14.48% | 7.94% | -1.11% | 21.06% | ||||||
| 2025 | 3.21% | -2.41% | -4.76% | 1.02% | 7.54% | 6.73% | 2.46% | 1.52% | 6.70% | 4.10% | -0.54% | 0.44% | 28.37% |
| 2024 | 2.31% | 8.36% | 5.20% | -4.29% | 6.79% | 3.92% | -0.09% | 0.56% | 2.49% | 0.36% | 5.66% | -1.11% | 33.74% |
| 2023 | 9.53% | -1.68% | 7.15% | -0.38% | 3.66% | 5.54% | 3.38% | -2.42% | -4.60% | 0.04% | 9.59% | 6.30% | 41.05% |
| 2022 | -6.69% | -1.45% | 3.01% | -9.97% | 0.45% | -10.13% | 9.04% | -5.24% | -9.07% | 5.62% | 7.74% | -5.58% | -22.28% |
| 2021 | 0.89% | 3.88% | 5.01% | 3.13% | -1.61% | 2.03% | 2.76% | 3.63% | -4.95% | 8.81% | 1.72% | 1.59% | 29.69% |
Benchmark Metrics
2025 retire etfs best has an annualized alpha of 19.91%, beta of 0.94, and R2 of 0.39 versus S&P 500 Index. Calculated based on daily prices since September 29, 2012.
- This portfolio captured 166.91% of S&P 500 Index gains but only 84.43% of its losses - a favorable profile for investors.
- R2 of 0.39 means the benchmark explains less than half of this portfolio's behavior - treat beta with caution or consider switching to a more representative benchmark.
- Alpha
- 19.91%
- Beta
- 0.94
- R²
- 0.39
- Upside Capture
- 166.91%
- Downside Capture
- 84.43%
Expense Ratio
2025 retire etfs best has an expense ratio of 0.16%, 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
2025 retire etfs best ranks 78 for risk / return — better than 78% of Portfolios on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for 2025 retire etfs best and compares them with S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 2.62 | 1.86 | +0.76 |
| Sortino ratioReturn per unit of downside risk | 3.34 | 2.53 | +0.81 |
| Omega ratioGain probability vs. loss probability | 1.45 | 1.34 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 4.06 | 2.53 | +1.53 |
| Martin ratioReturn relative to average drawdown | 16.18 | 11.37 | +4.81 |
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Position | Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio |
|---|---|---|---|---|---|---|
BTC-USD Bitcoin | 36 | -0.88 | -1.20 | 0.88 | -0.74 | -1.28 |
GLD SPDR Gold Shares | 25 | 0.87 | 1.24 | 1.18 | 0.98 | 2.81 |
QQQ Invesco QQQ ETF | 69 | 2.09 | 2.73 | 1.37 | 3.01 | 11.22 |
SMH VanEck Semiconductor ETF | 95 | 4.13 | 4.26 | 1.60 | 9.18 | 33.74 |
VOOG Vanguard S&P 500 Growth ETF | 51 | 1.67 | 2.26 | 1.29 | 2.02 | 8.11 |
VYM Vanguard High Dividend Yield ETF | 82 | 2.37 | 3.37 | 1.42 | 3.70 | 13.81 |
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Dividends
Dividend yield
2025 retire etfs best provided a 0.76% dividend yield over the last twelve months.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 0.76% | 0.86% | 0.98% | 1.27% | 1.34% | 0.99% | 1.24% | 1.48% | 1.70% | 1.44% | 1.41% | 1.77% |
| Portfolio components: | ||||||||||||
BTC-USD Bitcoin | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
GLD SPDR Gold Shares | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
QQQ Invesco QQQ ETF | 0.39% | 0.45% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% |
SMH VanEck Semiconductor ETF | 0.18% | 0.31% | 0.44% | 0.60% | 1.18% | 0.51% | 0.69% | 1.50% | 1.88% | 1.43% | 0.80% | 2.14% |
VOOG Vanguard S&P 500 Growth ETF | 0.45% | 0.49% | 0.49% | 1.12% | 0.93% | 0.53% | 0.88% | 1.26% | 1.34% | 1.32% | 1.47% | 1.56% |
VYM Vanguard High Dividend Yield ETF | 2.19% | 2.44% | 2.74% | 3.12% | 3.01% | 2.76% | 3.18% | 3.03% | 3.40% | 2.80% | 2.91% | 3.22% |
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 2025 retire etfs best. 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 2025 retire etfs best was 44.58%, occurring on Dec 18, 2013. Recovery took 1134 trading sessions.
The current 2025 retire etfs best drawdown is 2.85%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2013 bear market2013 | -44.58%Dec 2013 | 13d | 3y 1mo | 3y 1moDec 2013 - Jan 2017 |
2013 bear market2013 | -31.97%Apr 2013 | 6d | 6mo 9d | 6mo 15dApr 2013 - Oct 2013 |
Bear market2022 | -29.62%Oct 2022 | 9mo 21d | 1y 1mo | 1y 10moDec 2021 - Nov 2023 |
COVID crash2020 | -29.24%Mar 2020 | 1mo 1d | 3mo 16d | 4mo 17dFeb 2020 - Jul 2020 |
Rate-hike selloffLate 2018 | -26.45%Dec 2018 | 1y 8d | 6mo 3d | 1y 6moDec 2017 - Jun 2019 |
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 6 assets, with an effective number of assets of 5.00, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.
Diversification Ratio
1Y | 3Y | 5Y | 10Y | All Time | |
|---|---|---|---|---|---|
Diversification Ratio | 1.25 | 1.24 | 1.23 | 1.26 | 1.31 |
The portfolio has a diversification ratio of 1.31, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.
2025 retire etfs best correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.90 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.91 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.89 |
Correlation (All Time) Calculated using the full available price history since Sep 29, 2012 | 0.83 |
Benchmark Correlations
Correlation vs. S&P 500 Index. VOOG has the highest benchmark correlation at 0.95, while GLD has the lowest at 0.02.
Asset Correlations Table
Find what 2025 retire etfs best is missing
See which holdings overlap, where 2025 retire etfs best is concentrated, and which low-correlation assets could fill the gaps.
Analyze Diversification