Einstein Portfolio Review: 30 July 2025

Example of Depth Masking

Einstein is similar to the Bethe portfolio, posted earlier today.  This will be a quick analysis as the rebalancing process is similar.  The Einstein is in a state of rebuilding after significant withdrawals were made to cover educational expenses.

Einstein Security Holdings

Below are the current holdings for the Einstein.  Rather than selling either VOO or SHV to raise cash for rebalancing, I will wait on new cash infusions and dividends to build back SCHG and SCHD.

Numerous limit orders are in place to pick up more shares of SCHG.

Einstein Performance Data

The Einstein is woefully behind all tracked potential benchmarks.  It is extremely difficult to keep up with the market when money is withdrawn at critical periods.  Now it is rebuilding time with the hope that dollar-cost-averaging will begin to close the gap between the portfolio IRR and the Internal Rate of Return of AOR.  The Risk Ratios indicate this is beginning to happen.

Einstein Risk Ratios

This past month we see slight gains in the Jensen Alpha and certainly improvement since July of 2024.  The other three risk ratios are well above where they were a year ago.  Those are the positives we can take from the following data.

Comments are always welcome.