Side-by-side comparison

Compare investment strategies

Morningstar Diversified 45/40/15 ETF Portfolio 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.

10.4%Best

10.1%

13.9%Best

3.6%

9.2%

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1.46

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-8.6%

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Fee

—

0.25%

Minimum investment

—

$50

Each source uses its own scale

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2(1-5 risk profile (SoFi))

Inception

—

2021-01-01

Holdings

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40%

73%Best

Every published figureShow 32 attributes

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

Classification

AI categories (Composer)

bonds, diversified, etfs, global stocks, inflation hedge, multi-asset, real assets, strategic allocation

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Asset classes / instruments

equities

equity, fixed income

ESG / responsible flag

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Holdings

Asset-class allocation

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

Equity allocation

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32.00%

Market-relative

Benchmark (methodology text)

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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

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-1.14%

Risk metrics

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

1.61

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

-8.62%

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

1.46

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

9.18%

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Cost & access

Management / advisory fee

—

0.25%

Minimum investment

—

$50

Construction

Rebalance corridor width

2.00%

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Rebalance frequency

none

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Rebalancing (methodology text)

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

Returns

Return, 1 year (client composite)

—

10.05%

Return, 3 years (annualized) (client composite)

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8.39%

Return, 5 years (annualized) (client composite)

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3.80%

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

13.87%

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

25.00%

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Return, since inception (annualized) (client composite)

—

3.63%

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

-1.05%

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

10.42%

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

0.41%

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Return, year to date (client composite)

—

-0.86%

Risk score

Risk profile (SoFi)

—

Moderately Conservative

Risk profile rank 1-5 (SoFi)

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Compare investment strategies

At a glance

Growth of $10,000

What they say: stated rules

What they hold

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

Do the holdings back the rules?

Costs, access & sources