Side-by-side comparison

Compare investment strategies

Costco and UnitedHealth Defensive Sleeve with T-Bills vs Classic Moderately Conservative Allocation (IRA)

At a glance

The headline numbers each source publishes, lined up. Hover a number for its exact definition.

These strategies report performance on different (OOS, Composite). Live and composite results come from real accounts; out-of-sample, hypothetical and model results don't. Compare return and risk with care.

8.4%

10.1%Best

43.6%Best

3.6%

36.7%

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1.15

—

-23.5%

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Fee

—

0.25%

Minimum investment

—

$50

Each source uses its own scale

—

2(1-5 risk profile (SoFi))

Inception

2024-04-29

2021-01-01

Holdings

60%

73%Best

What they hold

The latest holdings each source publishes. Simulated holdings come from a backtest; a stated mix is a target from the strategy's documents.

as of 2026-10-11

as of 2026-04-01

Asset mix

Stocks 100%

ETFs 99% · Cash 1%

Top 5 holdings

COST54.4%
UNH45.6%
Cash0.0%

IUSB29.0%
VMBS15.0%
SPTL9.0%
IVV7.0%
IVW6.0%
of 17 positions

Overlap

The share of portfolio weight two strategies hold in common (strategies with published holdings).

	Costco and UnitedHealth Defensive Sleeve with T-Bills	Classic Moderately Conservative Allocation (IRA)
Costco and UnitedHealth Defensive Sleeve with T-Bills		0%
Classic Moderately Conservative Allocation (IRA)	0%

Every published figureShow 61 attributes

Each row is one exact variant (window and basis), so a value appears only where a source publishes it.

Classification

AI categories (Composer)

daily rebalanced, defensive equity sleeve, momentum and mean reversion, risk management, tactical rotation

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Asset classes / instruments

equities

equity, fixed income

ESG / responsible flag

—

Market-relative

Alpha vs SPY, out-of-sample (out-of-sample)

0.20

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Benchmark (methodology text)

—

Committee compares against "static benchmarks for each strategy" (not named)

Benchmark return, 1 year

—

9.09%

Benchmark return, 3 years (annualized)

—

7.47%

Benchmark return, 5 years (annualized)

—

3.18%

Benchmark return, since inception (annualized)

—

2.83%

Benchmark return, year to date

—

-1.14%

Beta vs SPY, out-of-sample (out-of-sample)

1.13

—

Correlation (R) vs SPY, out-of-sample (out-of-sample)

0.49

—

Trading activity

Annualized turnover, backtest period (backtest)

42.91

—

Annualized turnover, out-of-sample period (out-of-sample)

52.17

—

Daily win rate, backtest period (backtest)

47.01%

—

Daily win rate, out-of-sample period (out-of-sample)

61.07%

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Holdings

Asset-class allocation

—

cash: 1.0% · bonds: 65.0% · stocks: 32.0% · alternatives: 2.0%

Concentration (Herfindahl index, out-of-sample, as Composer reports it)

0.79

—

Equity allocation

—

32.00%

Backtest

Backtest final value (from $10,000)

$3.3M

—

Backtest regulatory fees

$10k

—

Backtest slippage cost

$91k

—

Returns

Backtest length

4,180

—

Out-of-sample length

614

—

Return, 1 year (client composite)

—

10.05%

Return, 3 years (annualized) (client composite)

—

8.39%

Return, 5 years (annualized) (client composite)

—

3.80%

Return, backtest period (annualized) (backtest)

41.97%

—

Return, backtest period (cumulative) (backtest)

33k%

—

Return, out-of-sample period (annualized) (out-of-sample)

43.59%

—

Return, out-of-sample period (cumulative) (out-of-sample)

141.82%

—

Return, since inception (annualized) (client composite)

—

3.63%

Return, trailing 1 day (out-of-sample)

0.02%

—

Return, trailing 1 month (out-of-sample)

0.34%

—

Return, trailing 1 week (out-of-sample)

0.07%

—

Return, trailing 1 year (backtest)

8.42%

—

Return, trailing 1 year (out-of-sample)

8.42%

—

Return, trailing 2 weeks (out-of-sample)

0.15%

—

Return, trailing 3 months (out-of-sample)

14.51%

—

Return, year to date (client composite)

—

-0.86%

SPY annualized return over the backtest window (backtest)

14.49%

—

Risk metrics

Calmar ratio, backtest period (backtest)

1.60

—

Calmar ratio, out-of-sample period (out-of-sample)

1.86

—

Maximum drawdown, backtest period (backtest)

-26.27%

—

Maximum drawdown, out-of-sample period (out-of-sample)

-23.50%

—

Sharpe ratio, backtest period (backtest)

1.40

—

Sharpe ratio, out-of-sample period (out-of-sample)

1.15

—

Sortino ratio, backtest period (backtest)

3.08

—

Sortino ratio, out-of-sample period (out-of-sample)

2.43

—

Standard deviation, backtest period (backtest)

27.69%

—

Standard deviation, out-of-sample period (out-of-sample)

36.71%

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Quality

Community review status

ACTIVE

—

Construction

Logic complexity (node count)

—

Rebalance frequency

daily

—

Rebalancing (methodology text)

—

Rebalances when a holding drifts about 5% from target (Form ADV)

Cost & access

Management / advisory fee

—

0.25%

Minimum investment

—

$50

Popularity

Remixes (copies)

—

Watchers

—

Risk score

Risk profile (SoFi)

—

Moderately Conservative

Risk profile rank 1-5 (SoFi)

—

Costco and UnitedHealth Defensive Sleeve with T-Bills

Classic Moderately Conservative Allocation (IRA)

Compare investment strategies

At a glance

Growth of $10,000

What they say: stated rules

What they hold

Overlap

Do the holdings back the rules?

Costs, access & sources

Compare investment strategies

At a glance

Growth of $10,000

What they say: stated rules

What they hold

Overlap

Do the holdings back the rules?

Costs, access & sources