Richer Retirement Portfolio
by ElderLemon · shared 16 Sept 2026 · Published by William Bengen, 5 Aug 2025 · source
Weights
IEFiShares 7-10 Year Treasury Bond ETF40.0%IVViShares Core S&P 500 ETF11.0%IJHiShares Core S&P Mid-Cap ETF11.0%IJRiShares Core S&P Small-Cap ETF11.0%IWCISHARES MICRO-CAP ETF 11.0%EFAiShares MSCI EAFE ETF11.0%SHYiShares 1-3 Year Treasury Bond ETF5.0%
IEFiShares 7-10 Year Treasury Bond ETF40.0%IVViShares Core S&P 500 ETF11.0%IJHiShares Core S&P Mid-Cap ETF11.0%IJRiShares Core S&P Small-Cap ETF11.0%IWCISHARES MICRO-CAP ETF 11.0%EFAiShares MSCI EAFE ETF11.0%SHYiShares 1-3 Year Treasury Bond ETF5.0%
Performance
- CAGR
- +6.7%
- Final value
- $40k
- Max drawdown
- −28.1%
- Volatility
- 10.1%
- Sharpe
- 0.70
- Sortino
- 1.00
Correlation
| IVV | IJH | IJR | IWC | EFA | IEF | SHY | |
|---|---|---|---|---|---|---|---|
| IVV | · | 0.93 | 0.88 | 0.85 | 0.87 | −0.21 | −0.18 |
| IJH | 0.93 | · | 0.97 | 0.92 | 0.85 | −0.21 | −0.18 |
| IJR | 0.88 | 0.97 | · | 0.95 | 0.81 | −0.22 | −0.17 |
| IWC | 0.85 | 0.92 | 0.95 | · | 0.78 | −0.21 | −0.18 |
| EFA | 0.87 | 0.85 | 0.81 | 0.78 | · | −0.17 | −0.13 |
| IEF | −0.21 | −0.21 | −0.22 | −0.21 | −0.17 | · | 0.76 |
| SHY | −0.18 | −0.18 | −0.17 | −0.18 | −0.13 | 0.76 | · |
Growth of $10K
$39,700Oct 9, 2026
−4.5%Oct 9, 2026
Annual returns
- 2005*
- 2010
- 2015
- +17.9%
- 2020
- −15.5%
- 2026
through 2026-10-09