Bill Bernstein Coward's Portfolio: ETF allocation and returns

Data Source: from January 1994 to September 2021

Last Update: 30 September 2021

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 9.03% compound annual return, with a 8.42% standard deviation.

In the last 25 years, a 7.51% compound annual return, with a 9.45% standard deviation.

In 2020, the portfolio granted a 1.81% 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: 30 September 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**	*20Y^()**	*25Y^()**
Bill Bernstein Coward's Portfolio	-2.51	-1.26	+3.01	+20.67	+8.52	+8.63	+9.03	+7.48	+7.51
*Components*
VV Vanguard Large-Cap	-4.71	+0.39	+9.10	+30.17	+16.63	+17.28	+16.75	+9.70	+9.80
IJS iShares S&P Small-Cap 600 Value	-1.46	-4.03	+0.66	+66.24	+8.16	+11.74	+14.78	+10.60	+10.64
VTV Vanguard Value	-3.94	-0.95	+4.14	+32.59	+9.86	+12.14	+14.05	+8.41	+8.67
EEM iShares MSCI Emerging Markets	-3.87	-8.65	-5.14	+15.96	+7.76	+8.29	+5.81	+10.20	+6.12
IJR iShares Core S&P Small-Cap	-2.39	-2.92	+1.29	+57.36	+9.37	+13.54	+15.66	+11.40	+10.36
VGK Vanguard FTSE Europe	-5.38	-1.88	+5.90	+29.41	+8.66	+9.50	+8.83	+6.74	+6.67
VPL Vanguard FTSE Pacific	-0.88	-1.11	+0.27	+21.93	+7.20	+8.78	+8.32	+6.65	+3.29
VNQ Vanguard Real Estate	-5.68	+0.62	+12.29	+33.49	+11.96	+7.52	+11.52	+10.37	+10.07
SHY iShares 1-3 Year Treasury Bond	-0.10	+0.03	-0.02	-0.10	+2.53	+1.51	+1.03	+2.20	+3.12
LQD iShares Investment Grade Corporate Bond	-1.51	-0.45	+3.45	+1.11	+8.18	+4.75	+5.18	+5.62	+6.06

(*) 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.

Readings that may interest you

Beat the Market with ETFs and LEAPS: Using Leverage to Supercharge Profits While ...

A Guide to the Project Management Body of Knowledge (PMBOK® Guide) – Seventh ...

Investing 101: From Stocks and Bonds to ETFs and IPOs, an Essential Primer on ...

Historical Returns

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

BILL BERNSTEIN COWARD'S PORTFOLIO

Last Update: 30 September 2021

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Period	Returns Sep 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-2.51%		-2.51% Sep 2021 - Sep 2021	0 - 1
3M	-1.26%		-2.51% Sep 2021 - Sep 2021	2 - 1
6M	+3.01%		-2.51% Sep 2021 - Sep 2021	5 - 1
YTD	+8.82%		-2.51% Sep 2021 - Sep 2021	8 - 1
1Y	+20.67%	8.58%	-2.51% Sep 2021 - Sep 2021	10 - 2
3Y	+8.52% annualized	11.75%	-15.14% Jan 2020 - Mar 2020	26 - 10
5Y	+8.63% annualized	9.49%	-15.14% Jan 2020 - Mar 2020	45 - 15
10Y	+9.03% annualized	8.42%	-15.14% Jan 2020 - Mar 2020	87 - 33
20Y	+7.48% annualized	9.45%	-33.86% Nov 2007 - Feb 2009	165 - 75
25Y	+7.51% annualized	9.45%	-33.86% Nov 2007 - Feb 2009	202 - 98
MAX 01 Jan 1994	+7.73% annualized	9.19%	-33.86% Nov 2007 - Feb 2009	228 - 105

* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with High Risk, ordered by 25 Years annualized return.

	25 Years Stats		% Allocation
Portfolio	Return▾	Drawdown	Stocks	Bonds	Comm.
Yale Endowment David Swensen	+8.94%	-39.46%	70	30	0	Compare
Simple Path to Wealth JL Collins	+8.92%	-38.54%	75	25	0	Compare
Talmud Portfolio Roger Gibson	+8.85%	-40.18%	66.67	33.33	0	Compare
Late Sixties and Beyond Burton Malkiel	+8.64%	-41.80%	71	29	0	Compare
Lazy Portfolio David Swensen	+8.43%	-40.88%	70	30	0	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-33.86%	Nov 2007	Feb 2009	16	Dec 2010	22	38
-15.14%	Jan 2020	Mar 2020	3	Nov 2020	8	11
-11.86%	May 2011	Sep 2011	5	Feb 2012	5	10
-11.84%	Feb 2001	Sep 2002	20	Jul 2003	10	30
-11.38%	May 1998	Aug 1998	4	Dec 1998	4	8
-8.66%	Sep 2018	Dec 2018	4	Apr 2019	4	8
-6.46%	Jun 2015	Jan 2016	8	Jun 2016	5	13
-4.88%	Apr 2012	May 2012	2	Aug 2012	3	5
-4.68%	Sep 2000	Nov 2000	3	Jan 2001	2	5
-3.72%	May 2019	May 2019	1	Jun 2019	1	2
-3.48%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-3.24%	Jun 2007	Jul 2007	2	Sep 2007	2	4
-3.20%	Feb 2018	Mar 2018	2	Jul 2018	4	6
-2.92%	Oct 1997	Oct 1997	1	Feb 1998	4	5
-2.77%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-2.67%	Jul 1999	Sep 1999	3	Nov 1999	2	5
-2.66%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-2.62%	Apr 2000	May 2000	2	Aug 2000	3	5
-2.60%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-2.60%	May 2006	May 2006	1	Aug 2006	3	4

Worst drawdowns since January 1994 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-33.86%	Nov 2007	Feb 2009	16	Dec 2010	22	38
-15.14%	Jan 2020	Mar 2020	3	Nov 2020	8	11
-11.86%	May 2011	Sep 2011	5	Feb 2012	5	10
-11.84%	Feb 2001	Sep 2002	20	Jul 2003	10	30
-11.38%	May 1998	Aug 1998	4	Dec 1998	4	8
-8.66%	Sep 2018	Dec 2018	4	Apr 2019	4	8
-6.46%	Jun 2015	Jan 2016	8	Jun 2016	5	13
-5.79%	Feb 1994	Mar 1994	2	Mar 1995	12	14
-4.88%	Apr 2012	May 2012	2	Aug 2012	3	5
-4.68%	Sep 2000	Nov 2000	3	Jan 2001	2	5
-3.72%	May 2019	May 2019	1	Jun 2019	1	2
-3.48%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-3.24%	Jun 2007	Jul 2007	2	Sep 2007	2	4
-3.20%	Feb 2018	Mar 2018	2	Jul 2018	4	6
-2.92%	Oct 1997	Oct 1997	1	Feb 1998	4	5
-2.77%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-2.74%	Jul 1996	Jul 1996	1	Sep 1996	2	3
-2.67%	Jul 1999	Sep 1999	3	Nov 1999	2	5
-2.66%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-2.62%	Apr 2000	May 2000	2	Aug 2000	3	5

Rolling Returns ( more details)

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

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+8.30%	+38.05% Mar 2009 - Feb 2010	-28.57% Mar 2008 - Feb 2009	17.39%
2 Years	+7.83%	+26.64% Mar 2009 - Feb 2011	-15.55% Mar 2007 - Feb 2009	10.32%
3 Years	+7.59%	+18.22% Mar 2009 - Feb 2012	-7.36% Mar 2006 - Feb 2009	9.06%
5 Years	+7.31%	+15.26% Mar 2009 - Feb 2014	-0.84% Mar 2004 - Feb 2009	0.73%
7 Years	+7.09%	+10.85% Apr 2009 - Mar 2016	+2.09% Mar 2002 - Feb 2009	0.00%
10 Years	+7.10%	+10.29% Mar 2009 - Feb 2019	+3.20% Mar 1999 - Feb 2009	0.00%
15 Years	+6.85%	+8.34% Feb 2003 - Jan 2018	+5.46% Apr 2005 - Mar 2020	0.00%
20 Years	+7.07%	+8.39% Dec 1994 - Nov 2014	+5.49% Apr 2000 - Mar 2020	0.00%

* Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Bill Bernstein Coward's Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Bill Bernstein Coward's Portfolio Seasonality: in which months is it better to invest?

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.

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	Monthly Average Return (%) and Gain Frequency
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average Win %	0.35 61%	0.14 64%	0.67 71%	1.69 86%	0.40 64%	0.45 68%	0.72 64%	0.01 64%	0.15 57%	0.59 63%	1.31 78%	1.46 81%
Best Year	6.0 2019	4.0 1998	5.3 2016	8.4 2009	4.7 2003	4.4 2019	6.2 2009	3.0 2000	5.4 2010	7.2 2011	8.1 2020	4.9 2008
Worst Year	-7.3 2009	-7.6 2009	-10.1 2020	-3.5 2004	-5.1 2010	-5.3 2008	-5.4 2002	-8.8 1998	-5.7 2011	-11.2 2008	-4.1 2008	-4.9 2018

Statistics calculated for the period Jan 1994 - Sep 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns of Bill Bernstein Coward's Portfolio

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+8.82%	0.6	2.6	2.4	2.3	1.5	0.5	0.0	1.3	-2.5
2020	+8.12%	-1.2	-4.5	-10.1	6.4	2.5	1.7	2.9	2.6	-1.8	-0.6	8.1	3.3
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
2002	-5.60%	-0.4	0.2	3.0	0.0	-0.1	-2.8	-5.4	0.7	-4.3	2.2	2.8	-1.2
2001	-0.05%	3.2	-3.6	-2.8	4.0	0.7	-0.4	-0.3	-1.3	-5.4	1.9	3.1	1.5
2000	+3.31%	-2.6	1.0	3.3	-1.5	-1.2	2.3	0.0	3.0	-1.1	-0.7	-2.9	4.0
1999	+12.80%	0.7	-2.7	2.5	4.6	-1.0	3.0	-1.0	-1.1	-0.6	2.0	1.8	4.1
1998	+8.26%	0.3	4.0	2.6	0.4	-1.7	0.6	-1.6	-8.8	3.7	4.1	3.0	2.3
1997	+15.65%	1.8	0.5	-1.8	1.7	4.3	3.3	4.0	-2.8	4.3	-2.9	1.2	1.5
1996	+13.38%	1.8	0.2	0.9	1.2	1.1	0.2	-2.7	1.9	2.8	1.3	4.1	0.2
1995	+21.63%	0.3	2.5	1.7	2.3	3.0	1.3	2.5	0.4	1.9	-1.0	2.8	2.3
1994	-1.24%	3.1	-2.2	-3.7	1.1	0.4	-1.0	1.9	2.5	-1.8	0.8	-2.9	0.9

* 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
IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
VTV - Vanguard Value: simulated historical serie, up to December 2004
EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
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
SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
LQD - iShares Investment Grade Corporate Bond: simulated historical serie, up to December 2002