Last Update: 31 October 2020

The Bill Bernstein Coward's Portfolio is exposed for 60% on the Stock Market.

It's a High Risk portfolio and it can be replicated with 10 ETFs.

In the last 10 years, the portfolio obtained a 6.6% compound annual return, with a 8.47% standard deviation.

In 2019, the portfolio granted a 2.75% dividend yield. If you are interested in getting periodic income, please refer to the Bill Bernstein Coward's Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Bill Bernstein Coward's Portfolio has the following asset allocation:

60% Stocks
40% Fixed Income
0% Commodities

The Bill Bernstein Coward's Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
15.00 % VV Vanguard Large-Cap Equity, U.S., Large Cap
10.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
10.00 % VTV Vanguard Value Equity, U.S., Large Cap, Value
5.00 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
5.00 % IJR iShares Core S&P Small-Cap Equity, U.S., Small Cap
5.00 % VGK Vanguard FTSE Europe Equity, Developed Europe, Large Cap
5.00 % VPL Vanguard FTSE Pacific Equity, Developed Asia Pacific, Large Cap
5.00 % VNQ Vanguard Real Estate Real Estate, U.S.
28.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
12.00 % LQD iShares Investment Grade Corporate Bond Bond, U.S., All-Term
Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The Bill Bernstein Coward's Portfolio guaranteed the following returns.

BILL BERNSTEIN COWARD'S PORTFOLIO RETURNS (%)
Last Update: 31 October 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Bill Bernstein Coward's Portfolio -0.63 +0.10 +7.31 +0.35 +3.52 +5.80 +6.60
Components
VV - Vanguard Large-Cap -2.49 +1.06 +14.98 +11.60 +11.01 +12.02 +13.11
IJS - iShares S&P Small-Cap 600 Value +3.66 +3.27 +12.52 -15.41 -3.61 +4.25 +8.66
VTV - Vanguard Value -1.82 +0.01 +5.65 -6.98 +3.09 +7.26 +10.29
EEM - iShares MSCI Emerging Markets +1.41 +3.28 +22.74 +7.85 +1.22 +7.44 +1.78
IJR - iShares Core S&P Small-Cap +2.55 +1.57 +14.57 -7.73 +0.21 +6.50 +10.38
VGK - Vanguard FTSE Europe -5.42 -4.40 +9.00 -8.68 -2.39 +2.20 +3.57
VPL - Vanguard FTSE Pacific -1.10 +5.66 +15.71 +1.06 +0.81 +5.85 +5.17
VNQ - Vanguard Real Estate -3.00 -5.18 +2.39 -15.86 +1.66 +3.39 +7.65
SHY - iShares 1-3 Year Treasury Bond -0.05 -0.07 -0.03 +3.08 +2.52 +1.69 +1.13
LQD - iShares Investment Grade Corporate Bond -0.51 -2.71 +4.96 +7.85 +6.82 +6.25 +5.46
(*) annualized
Portfolio returns are calculated assuming:
  • a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
  • the reinvestment of dividends

If you are interested in getting periodic income, please refer to the Bill Bernstein Coward's Portfolio: Dividend Yield page.

Historical Returns

Bill Bernstein Coward's Portfolio - Historical returns and stats.

BILL BERNSTEIN COWARD'S PORTFOLIO
Last Update: 31 October 2020
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Period Returns
Oct 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
-0.63%
-0.63%
Oct 2020 - Oct 2020
0 - 1
3M
+0.10%
-2.43%
Sep 2020 - Oct 2020
1 - 2
6M
+7.31%
-2.43%
Sep 2020 - Oct 2020
4 - 2
YTD
-3.11%
-15.14%
Jan 2020 - Mar 2020
5 - 5
1Y
+0.35%
14.07%
-15.14%
Jan 2020 - Mar 2020
7 - 5
3Y
+3.52%
annualized
10.80%
-15.14%
Jan 2020 - Mar 2020
24 - 12
5Y
+5.80%
annualized
9.07%
-15.14%
Jan 2020 - Mar 2020
44 - 16
10Y
+6.60%
annualized
8.47%
-15.14%
Jan 2020 - Mar 2020
82 - 38
MAX
01 Jan 2003
+7.21%
annualized
9.48%
-33.86%
Nov 2007 - Feb 2009
146 - 68

* Annualized St.Dev. of monthly returns

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Bill Bernstein Coward's Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +7.60% +38.05%
Mar 2009 - Feb 2010 		-28.57%
Mar 2008 - Feb 2009 		16.75%
2 Years
 +7.06% +26.64%
Mar 2009 - Feb 2011 		-15.55%
Mar 2007 - Feb 2009 		10.99%
3 Years
 +6.87% +18.22%
Mar 2009 - Feb 2012 		-7.36%
Mar 2006 - Feb 2009 		12.29%
5 Years
 +6.39% +15.26%
Mar 2009 - Feb 2014 		-0.84%
Mar 2004 - Feb 2009 		1.29%
7 Years
 +6.75% +10.85%
Apr 2009 - Mar 2016 		+4.48%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +6.84% +10.29%
Mar 2009 - Feb 2019 		+4.99%
Feb 2006 - Jan 2016 		0.00%
15 Years
 +6.78% +8.34%
Feb 2003 - Jan 2018 		+5.46%
Apr 2005 - Mar 2020 		0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Bill Bernstein Coward's Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.1 0.1 0.6 1.7 0.2 0.3 1.3 0.3 0.4 0.5 0.9 1.2
Best 6.0
2019 		2.9
2014 		5.3
2016 		8.4
2009 		4.7
2003 		4.4
2019 		6.2
2009 		2.8
2009 		5.4
2010 		7.2
2011 		3.6
2009 		4.9
2008
Worst -7.3
2009 		-7.6
2009 		-10.1
2020 		-3.5
2004 		-5.1
2010 		-5.3
2008 		-2.2
2007 		-4.0
2011 		-5.7
2011 		-11.2
2008 		-4.1
2008 		-4.9
2018
Gain
Frequency		 50 61 72 83 67 67 72 67 67 61 76 76

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
 -3.11% -1.2 -4.5 -10.1 6.4 2.5 1.7 2.9 2.6 -1.8 -0.6
2019
 +18.34% 6.0 1.6 0.6 2.1 -3.7 4.4 0.3 -0.9 1.8 1.6 1.5 2.1
2018
 -5.49% 2.1 -3.1 -0.1 0.1 1.4 0.0 2.0 1.2 -0.5 -4.8 1.4 -4.9
2017
 +12.63% 1.0 1.7 0.2 0.8 0.6 1.0 1.4 -0.1 2.0 1.1 1.5 0.8
2016
 +10.13% -3.0 0.0 5.3 0.8 0.3 1.2 2.7 0.1 0.3 -1.8 2.2 1.7
2015
 -1.45% -0.5 2.6 -0.1 0.2 0.1 -1.3 0.3 -3.8 -1.4 4.2 0.2 -1.5
2014
 +6.21% -1.9 2.9 0.7 0.3 1.3 1.4 -1.3 2.2 -2.6 2.5 0.8 -0.1
2013
 +16.08% 2.7 0.6 1.9 1.7 -0.1 -1.3 3.3 -2.1 3.3 2.7 1.4 1.1
2012
 +11.64% 4.0 2.2 1.2 -0.5 -4.4 3.1 0.7 1.5 1.7 -0.5 0.5 1.9
2011
 -0.01% 0.8 2.3 0.1 2.5 -0.6 -1.1 -0.9 -4.0 -5.7 7.2 -0.9 0.9
2010
 +12.72% -1.9 1.9 4.2 1.9 -5.1 -2.6 5.0 -2.4 5.4 2.3 -0.4 4.4
2009
 +18.27% -7.3 -7.6 4.9 8.4 4.3 0.1 6.2 2.8 3.2 -2.3 3.6 2.0
2008
 -19.69% -2.5 -1.2 0.1 2.8 0.7 -5.3 0.0 0.6 -5.4 -11.2 -4.1 4.9
2007
 +4.57% 1.3 -0.4 0.9 2.0 1.9 -1.0 -2.2 1.5 2.7 1.9 -2.9 -1.0
2006
 +14.41% 3.6 0.0 1.8 1.1 -2.6 0.5 0.5 1.9 1.1 2.9 2.1 1.0
2005
 +6.99% -1.6 1.9 -1.7 -0.9 2.2 1.5 2.5 0.1 1.2 -2.1 2.6 1.1
2004
 +12.14% 1.5 1.5 0.7 -3.5 0.9 1.9 -1.7 1.4 1.5 1.6 3.6 2.3
2003
 +23.63% -1.9 -1.0 0.0 5.1 4.7 1.6 1.3 2.2 0.6 3.8 1.4 3.9

* Note:
Portofolio Returns, up to December 2005, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

VV - Vanguard Large-Cap: simulated historical serie, up to December 2004

VTV - Vanguard Value: simulated historical serie, up to December 2004

EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003

VGK - Vanguard FTSE Europe: simulated historical serie, up to December 2005

VPL - Vanguard FTSE Pacific: simulated historical serie, up to December 2005

VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004

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