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MyPlanIQ Advanced Investors Advanced Strategies Wasik Nano

Wasik Nano

live (public) 0.28% March 19


John Wasik has been a professional journalist and author for 30 years specializing in personal finance, the environment, investing and social issues. John has proposed a Nano plan investment portfolio which employs just a handful of index or ETFs to cover virtually the entire world of bond and stock markets. This portfolio is supposed to be rebalanced annually.

John Wasik presents a classic asset allocation strategy with simple buy and hold.

  • 20% in Vanguard Total Stock Market VIPERS (VTI) – alternatives: SPY, IWM
  • 20% in Vanguard Total International (VGTSX) – alternatives: EFA, VEU, EEM, VWO, ADRE
  • 20% in Vanguard REIT VIPERS (VNQ) – alternatives: IYR, ICF
  • 20% in iShares Lehman TIPS Bond (TIP)
  • 20% in iShares Lehman Aggregate Bond (AGG) – alternative: BND

Things to note about the portfolio:

  • With 40% in fixed income, this would be considered moderate risk
  • With VGTSX covering both international and emerging markets (albeit in one fund) this would be something between a 4 and 5 asset class portfolio
  • VGTSX is not an ETF; while VGTSX can easily be replaced by VEU (Vanguard FTSE All-World ex-US ETF) we will keep VGTSX because it has a longer history for back testing


Holdings (As of 03/19/2024)
Asset Fund in this portfolio Price change* Percentage
US Stocks VTI (Vanguard Total Stock Market Index Fund ETF Shares) 0.58% 37.09%
International Stock EFA (iShares MSCI EAFE ETF) 0.18% 20.03%
REIT VNQ (Vanguard Real Estate Index Fund ETF Shares) 0.04% 21.59%
Bonds TIP (iShares TIPS Bond ETF) 0.14% 10.79%
Bonds AGG (iShares Core U.S. Aggregate Bond ETF) 0.25% 10.50%

* Day change on 03/19/2024.

Monthly Holding Date: Total Transaction Times So Far:
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Holdings

Transactions

Performance (As of 03/19/2024)

Since 12/31/2004

Name YTD*
Return		 1Yr
AR**		 3Yr
AR**		 5Yr
AR**		 10Yr
AR**		 15Yr
AR**
Wasik Nano 2.7% 17.7% 4.0% 6.9% 6.4% 8.9%
VFINX (Vanguard (S&P 500) Index) 5.5% 22.3% 7.7% 13.3% 12.5% 14.5%
VBINX (Vanguard Balance (60% stocks/40% bonds) 1.5% 12.4% 2.1% 7.5% 7.6% 9.6%
*   YTD: Year to Date
**  AR: Annualized Return
Last 1 Week* YTD*(2024) 1 Yr 3 Yr 5 Yr 10 Yr 15 Yr Since
12/31/2004		 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004
Annualized Return(%) -0.8 2.7 17.7 4.0 6.9 6.4 8.9 6.3 15.9 -18.8 20.2 8.7 21.7 -6.5 10.0 7.7 1.0 10.6 9.5 12.8 3.9 13.1 17.9 -23.6 2.9 17.1 7.4 0.0
Sharpe Ratio NA 0.21 1.36 0.14 0.35 0.44 NA 0.41 1.05 -1.12 2.14 0.34 2.82 -0.82 1.95 0.78 0.1 1.72 1.19 1.82 0.29 1.11 1.0 -0.95 -0.01 1.8 0.78 NA
Draw Down(%) NA 2.1 10.6 25.1 27.5 27.5 NA 39.9 10.6 25.0 4.7 27.5 3.1 11.9 2.3 7.0 8.1 4.7 8.7 5.4 11.8 8.0 18.0 37.7 8.1 5.6 4.2 0.0
Standard Deviation(%) NA 9.3 10.2 13.3 15.5 12.4 NA 12.9 11.1 18.0 9.4 24.5 7.2 9.6 4.8 9.5 9.5 6.1 7.9 7.0 13.6 11.7 17.8 25.9 11.9 7.7 6.8 NA
Treynor Ratio NA 0.03 0.18 0.03 0.08 0.08 NA 0.08 0.15 -0.28 0.3 0.12 0.4 -0.15 0.18 0.12 0.02 0.23 0.16 0.26 0.07 0.21 0.29 -0.4 0.0 0.2 0.1 NA
Alpha NA -0.06 -0.02 -0.01 -0.01 0.0 NA 0.0 -0.01 -0.02 0.01 -0.01 0.02 -0.02 0.0 0.01 0.0 0.02 -0.03 0.02 0.01 0.02 0.01 0.0 0.0 0.02 0.02 NA
Beta NA 0.68 0.76 0.72 0.68 0.64 NA 0.62 0.76 0.71 0.67 0.68 0.51 0.52 0.52 0.63 0.55 0.47 0.6 0.5 0.56 0.62 0.61 0.61 0.68 0.68 0.55 NA
RSquared NA 0.69 0.76 0.87 0.89 0.86 NA 0.87 0.81 0.91 0.87 0.92 0.77 0.86 0.52 0.75 0.81 0.75 0.71 0.82 0.91 0.9 0.87 0.92 0.83 0.78 0.69 NA
Sortino Ratio NA 0.3 2.08 0.2 0.47 0.59 NA 0.56 1.57 -1.52 3.13 0.44 4.2 -1.03 2.94 1.09 0.14 2.55 1.71 2.84 0.39 1.6 1.45 -1.27 -0.01 2.83 1.13 NA
Yield(%) N/A 0.06 2.97 2.86 2.87 2.89 N/A 3.33 3.01 2.5 3.12 2.33 2.98 2.31 0.8 4.26 3.18 4.25 3.16 3.59 3.86 3.58 4.13 3.95 4.03 4.09 4.13 0.0
Dividend Growth(%) N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2004

Tax Performance Analytics
Commission Fee ($ per transaction)      Long Term Tax Rate (%)
Short Term Tax Rate (%)      Monthly Withdraw ($)
Monthly Deposit ($)      Tax on Withdraw (%)
Initial Amount ($)      Estimation Method
The start date of the charts is 12/31/2004 when all charts have data
Strategies

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