HomePortfoliosGolden Butterfly

Golden Butterfly

Created byuser-y6mi4a
Optimize FIRE Projection
Annual Rebalancing
USD
Low Risk
21.8yr backtest

Performance Summary

Total Return+425.78%
Annualized Return+7.91%
Volatility+8.67%
Sharpe Ratio0.68
Max Drawdown+20.04%

Holdings

Asset Allocation

Asset Class

Equity 40.0%Bonds 40.0%Precious Metals 20.0%
Holdings Details
A diversified ETF portfolio with 40% US stocks, 40% government bonds, and 20% gold for balanced growth and stability.
AssetTypeAllocationTER
VTI.US
Vanguard Total Stock Market Index Fund ETF Shares • US9229087690
ETF
20.0%0.03%
VBR.US
Vanguard Small-Cap Value Index Fund ETF Shares • US9229086114
ETF
20.0%0.07%
SHY.US
iShares 1-3 Year Treasury Bond ETF • US4642874576
ETF
20.0%0.15%
GLD.US
SPDR® Gold Shares • US78463V1070
ETF
20.0%0.4%
TLT.US
iShares 20+ Year Treasury Bond ETF • US4642874329
ETF
20.0%0.15%
Total100.0%0.16%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $52,578.22
Histogram of Monthly Returns
The portfolio had a positive return during 170 of the 263 months (65%)
Monthly Returns Heatmap
Best month: +6.2% • Worst month: -10.7% • Best year: 2025 (+19.7%) • Worst year: 2022 (-12.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+3.9%+3.4%-5.4%+2.9%+1.1%-1.4%-0.6%+2.6%+0.2%---+6.5%
2025+2.9%+0.5%-0.4%+0.4%+1.3%+2.2%+0.5%+2.8%+4.1%+1.6%+2.0%+0.3%+19.7%
2024-0.9%+1.5%+3.8%-2.8%+2.8%+0.4%+4.3%+1.5%+2.3%-0.4%+2.8%-3.7%+11.7%
2023+6.0%-3.1%+2.2%+0.2%-1.5%+2.7%+1.9%-1.9%-4.5%-1.0%+6.2%+5.1%+12.3%
2022-3.2%+0.7%-0.2%-5.3%-0.7%-4.3%+3.5%-2.9%-6.1%+2.3%+5.3%-2.1%-12.9%
2021-0.9%+0.2%+0.8%+3.1%+2.0%-0.3%+1.1%+1.0%-2.7%+3.2%-0.7%+2.2%+9.1%
2020+1.9%-2.1%-5.3%+6.0%+1.8%+1.4%+5.1%+0.8%-2.1%-0.8%+4.2%+3.4%+14.6%
2019+4.7%+1.2%+0.6%+1.3%-1.4%+4.6%+0.6%+2.3%-0.2%+1.1%+0.6%+1.3%+17.8%
2018+1.4%-2.8%+0.5%-0.5%+1.7%-0.4%+0.5%+1.2%-1.2%-3.5%+1.4%-2.0%-3.9%
2017+1.8%+2.1%-0.3%+1.0%+0.1%+0.3%+1.0%+1.3%+0.1%+0.5%+1.5%+1.1%+11.1%
2016-0.2%+3.2%+2.8%+1.5%-0.6%+3.5%+2.5%-0.8%-0.0%-2.6%-0.6%+0.6%+9.6%
2015+2.6%-0.4%-0.1%-0.9%+0.2%-1.8%-0.2%-1.7%-1.5%+3.5%-1.1%-1.6%-3.2%
2014+0.6%+3.3%-0.2%+0.3%+0.8%+2.5%-2.0%+3.0%-3.2%+1.6%+1.3%+1.3%+9.6%
2013+1.7%-0.1%+1.9%-0.1%-1.3%-3.0%+3.6%-1.1%+1.5%+2.1%+0.1%+0.4%+5.5%
2012+4.5%+0.2%+0.1%+0.5%-2.2%+1.8%+1.1%+1.8%+1.5%-1.2%+0.6%-0.0%+8.8%
2011-1.3%+3.1%+0.7%+3.4%-0.3%-1.8%+1.5%+2.0%-3.0%+4.5%+0.8%-1.3%+8.5%
2010-0.6%+2.2%+2.3%+3.6%-1.6%-1.0%+1.4%+0.8%+4.0%+1.3%+0.6%+2.6%+16.7%
2009-6.0%-4.6%+3.2%+3.3%+3.4%-1.0%+4.4%+2.6%+3.8%-1.6%+5.1%-0.8%+11.7%
2008+1.2%+0.3%-1.1%+0.2%+0.8%-2.4%+0.3%-0.4%-1.5%-10.7%+3.2%+6.0%-4.9%
2007+1.2%+0.9%-0.2%+1.8%+0.6%-1.4%-1.0%+1.4%+3.2%+2.6%-1.2%+0.9%+9.1%
2006+4.4%+0.1%+1.0%+2.3%-1.7%-0.6%+0.9%+1.3%+0.0%+2.2%+3.1%-0.7%+12.8%
2005-0.7%+1.1%-1.3%-0.3%+2.1%+2.1%+0.9%+0.4%+0.9%-1.7%+3.1%+1.0%+7.9%
2004----------+0.2%+0.6%+0.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +20.04% • The longest drawdown period lasted for 2 years and 4 months and was between November 2021 and March 2024. It reached a trough of -18.8%.
When could this portfolio get you to financial independence?

Golden Butterfly returned +7.91% a year over the 22 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Dividend Income

Summary
This portfolio contains 4 distributing ETFs (80.0% of total allocation)

Total Dividends Received

$9,317.49

675 payments

Dividend Yield

1.74%

(annualized)

Avg Per Payment

$13.80

per event

All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.

Annual Breakdown
Dividend income per calendar year
YearDividends
2026$701.85
2025$977.66
2024$856.37
2023$669.01
2022$467.63
2021$376.01
2020$373.33
2019$487.45
2018$440.05
2017$366.14
2016$336.09
2015$312.33
2014$329.20
2013$304.48
2012$313.38
2011$301.94
2010$284.38
2009$276.64
2008$311.07
2007$301.14
2006$313.45
2005$206.42
2004$11.53
Total$9,317.49

Detailed Metrics

Returns
Total Return
+425.78%
Annualized Return
+7.91%
Avg Monthly Return
+0.66%
Risk
Volatility (Annual)
+8.67%
Max Drawdown
+20.04%
Positive Months
65%
Average Drawdown
-3.1%
Risk-Adjusted
Sharpe Ratio
0.68
Risk-free rate: 2.0%
Sortino Ratio
0.65
Downside risk adjusted
Return/Volatility
0.91
Calmar Ratio
0.39
Return/Max Drawdown
Ulcer Index
4.57
Drawdown depth & duration
Martin Ratio
0.01
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$52,578.22
Backtest Period
2004-11-18 to 2026-09-04
21.8 years
Rebalancing
annual
Base Currency
USD