Data Source: from January 1991 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
1.02%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.31%
Current Month
July 2022

The Bill Bernstein Coward's Portfolio is a High Risk portfolio and can be implemented with 10 ETFs.

It's exposed for 60% on the Stock Market.

In the last 30 Years, the Bill Bernstein Coward's Portfolio obtained a 7.60% compound annual return, with a 9.11% standard deviation.

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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1991.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BILL BERNSTEIN COWARD'S PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Bill Bernstein Coward's Portfolio -1.02 -0.31 -5.38 -13.12 -10.54 4.97 6.65 7.60
US Inflation Adjusted return -5.38 -16.50 -16.84 1.31 4.09 5.00
Components
VV
Vanguard Large-Cap
-0.84 01:59PM
Jul 05 2022
0.22 -8.26 -21.46 -12.97 11.11 12.82 9.87
IJS
iShares S&P Small-Cap 600 Value
-1.71 02:00PM
Jul 05 2022
-0.63 -8.96 -14.31 -14.23 6.57 10.79 11.03
VTV
Vanguard Value
-2.33 01:59PM
Jul 05 2022
-1.35 -7.89 -9.29 -1.75 9.23 11.77 9.47
EEM
iShares MSCI Emerging Markets
-1.73 02:00PM
Jul 05 2022
-2.34 -5.14 -17.20 -25.55 1.56 2.33 6.09
IJR
iShares Core S&P Small-Cap
-1.20 01:59PM
Jul 05 2022
-0.27 -8.48 -18.93 -16.91 7.20 11.24 10.52
VGK
Vanguard FTSE Europe
-3.69 02:00PM
Jul 05 2022
-3.62 -9.93 -20.89 -18.43 2.45 5.80 6.55
VPL
Vanguard FTSE Pacific
-1.70 02:00PM
Jul 05 2022
-1.67 -8.19 -17.87 -20.32 2.02 5.30 3.72
VNQ
Vanguard Real Estate
-1.65 01:59PM
Jul 05 2022
0.12 -7.46 -20.54 -8.02 5.69 7.49 9.57
SHY
iShares 1-3 Year Treasury Bond
0.01 01:59PM
Jul 05 2022
0.31 -0.59 -2.99 -3.55 0.78 0.65 3.26
LQD
iShares Investment Grade Corporate Bond
0.06 02:00PM
Jul 05 2022
1.33 -3.62 -16.08 -16.14 1.18 2.60 5.53
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Portfolio Dividends

In 2021, the Bill Bernstein Coward's Portfolio granted a 1.73% dividend yield. If you are interested in getting periodic income, please refer to the Bill Bernstein Coward's Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Bill Bernstein Coward's Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BILL BERNSTEIN COWARD'S PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1991 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Jun 2022
-5.38
-5.38
-5.38
Jun 2022 - Jun 2022
0 - 1
3M
-9.28
-10.45
-9.28
Apr 2022 - Jun 2022
1 - 2
6M
-13.12
-16.50
-13.12
Jan 2022 - Jun 2022
2 - 4
YTD
-13.12
-16.50
-13.12
Jan 2022 - Jun 2022
2 - 4
1Y
-10.54
-16.84
9.31
-13.12
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
4.31
-0.19
11.41
-15.13
Jan 2020 - Mar 2020
23 - 13
64% pos
5Y(*)
4.97
1.31
10.40
-15.13
Jan 2020 - Mar 2020
39 - 21
65% pos
10Y(*)
6.65
4.09
8.49
-15.13
Jan 2020 - Mar 2020
83 - 37
69% pos
15Y(*)
5.21
2.85
10.33
-33.85
Nov 2007 - Feb 2009
117 - 63
65% pos
20Y(*)
6.62
4.07
9.64
-33.85
Nov 2007 - Feb 2009
161 - 79
67% pos
25Y(*)
6.45
3.93
9.58
-33.85
Nov 2007 - Feb 2009
195 - 105
65% pos
30Y(*)
7.60
5.00
9.11
-33.85
Nov 2007 - Feb 2009
244 - 116
68% pos
MAX(*)
01 Jan 1991
8.13
5.50
9.14
-33.85
Nov 2007 - Feb 2009
258 - 120
68% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 8998.71$, with a total return of 799.87% (7.60% annualized).

The Inflation Adjusted Capital now would be 4325.32$, with a net total return of 332.53% (5.00% annualized).
An investment of 1000$, since January 1991, now would be worth 11721.24$, with a total return of 1072.12% (8.13% annualized).

The Inflation Adjusted Capital now would be 5396.67$, with a net total return of 439.67% (5.50% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-33.85% Nov 2007 Feb 2009 16 Dec 2010 22 38
-15.13% Jan 2020 Mar 2020 3 Nov 2020 8 11
-13.12% Jan 2022 Jun 2022 6 in progress 6
-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
-6.47% 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
-3.23% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.19% 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
-2.66% Feb 1999 Feb 1999 1 Apr 1999 2 3
-2.66% Jul 1999 Sep 1999 3 Nov 1999 2 5
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-33.85% Nov 2007 Feb 2009 16 Dec 2010 22 38
-15.13% Jan 2020 Mar 2020 3 Nov 2020 8 11
-13.12% Jan 2022 Jun 2022 6 in progress 6
-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
-6.47% 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 1991 Jun 1991 1 Aug 1991 2 3
-3.23% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.19% 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
-2.66% Feb 1999 Feb 1999 1 Apr 1999 2 3

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
8.73 38.05
Mar 2009 - Feb 2010
-28.57
Mar 2008 - Feb 2009
16.08%
2 Years
8.33 26.64
Mar 2009 - Feb 2011
-15.55
Mar 2007 - Feb 2009
9.01%
3 Years
8.05 18.22
Mar 2009 - Feb 2012
-7.36
Mar 2006 - Feb 2009
7.87%
5 Years
7.91 15.26
Mar 2009 - Feb 2014
-0.84
Mar 2004 - Feb 2009
0.63%
7 Years
7.69 14.53
Jan 1991 - Dec 1997
2.09
Mar 2002 - Feb 2009
0.00%
10 Years
7.46 12.54
Jan 1991 - Dec 2000
3.20
Mar 1999 - Feb 2009
0.00%
15 Years
7.29 10.65
Jan 1991 - Dec 2005
5.21
Jul 2007 - Jun 2022
0.00%
20 Years
7.37 9.23
Jan 1991 - Dec 2010
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

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

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

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %
0.42
63%
0.32
66%
0.69
72%
1.42
81%
0.58
69%
0.12
59%
0.87
65%
0.19
65%
0.20
61%
0.71
65%
0.99
71%
1.78
84%
Best
Year
5.9
2019
5.3
1991
5.3
2016
8.4
2009
4.7
2003
4.4
2019
6.2
2009
3.3
1993
5.4
2010
7.2
2011
8.1
2020
8.1
1991
Worst
Year
-7.3
2009
-7.5
2009
-10.1
2020
-5.0
2022
-5.1
2010
-5.4
2022
-5.4
2002
-8.8
1998
-5.6
2011
-11.2
2008
-4.1
2008
-4.9
2018
Statistics calculated for the period Jan 1991 - Jun 2022

Monthly/Yearly Returns

Bill Bernstein Coward's Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
258 Positive Months (68%) - 120 Negative Months (32%)
Jan 1991 - Jun 2022
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
-13.12 -16.50 -3.3 -1.3 0.3 -5.0 0.9 -5.4
2021
+13.47 +5.95 0.6 2.6 2.4 2.3 1.5 0.5 0.0 1.3 -2.5 2.9 -1.7 3.1
2020
+8.12 +6.76 -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 +15.72 5.9 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 -7.27 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 +10.28 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 +7.92 -3.0 0.0 5.3 0.7 0.3 1.2 2.7 0.1 0.3 -1.8 2.2 1.7
2015
-1.45 -2.08 -0.5 2.6 -0.1 0.2 0.1 -1.3 0.3 -3.8 -1.4 4.1 0.2 -1.5
2014
+6.21 +5.52 -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 +14.35 2.6 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 +9.71 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 -2.98 0.8 2.3 0.1 2.5 -0.6 -1.1 -0.9 -4.0 -5.6 7.2 -0.9 0.9
2010
+12.72 +11.12 -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 +15.03 -7.3 -7.5 4.9 8.4 4.3 0.1 6.2 2.8 3.2 -2.3 3.6 2.0
2008
-19.69 -19.68 -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 +0.44 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 +11.59 3.6 0.0 1.8 1.1 -2.6 0.5 0.5 1.9 1.1 2.9 2.1 0.9
2005
+6.99 +3.53 -1.6 1.9 -1.7 -0.9 2.2 1.5 2.5 0.1 1.1 -2.0 2.6 1.1
2004
+12.14 +8.52 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 +21.17 -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 -7.88 -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 -1.62 3.2 -3.6 -2.8 4.0 0.7 -0.4 -0.3 -1.3 -5.4 1.8 3.1 1.5
2000
+3.31 -0.13 -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 +9.86 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 +6.54 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 +13.72 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 +9.67 1.8 0.2 0.9 1.2 1.1 0.2 -2.7 1.9 2.8 1.3 4.1 0.1
1995
+21.63 +18.63 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 -3.74 3.1 -2.2 -3.7 1.1 0.4 -1.0 1.9 2.5 -1.8 0.8 -2.9 0.9
1993
+18.86 +15.61 2.7 1.8 3.1 0.4 0.9 1.4 1.3 3.3 0.2 1.8 -2.4 3.2
1992
+8.23 +5.12 0.5 0.6 -1.5 1.4 2.6 -1.4 2.6 -0.4 0.6 -0.6 2.0 1.5
1991
+27.53 +23.84 3.8 5.3 1.4 1.3 2.9 -3.2 2.8 2.5 1.1 1.8 -2.6 8.1

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

Portfolio efficiency

Is the Bill Bernstein Coward's Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Bill Bernstein Coward's Portfolio is classified as High Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+6.45%
(+3.93%)
Poor : 1 / 5
Average : 2.5 / 5
Standard Deviation
over 25 Years
9.58%
Good : 3.4 / 5
Good : 3.4 / 5
Maximum Drawdown
over 25 Years
-33.85%
Good : 3.4 / 5
Average : 2.9 / 5
Easy to manage 10 ETFs
Poor : 1 / 5
Poor : 1 / 5
Rating assigned considering all the High Risk Portfolios Rating assigned considering all the Portfolios in the database

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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