Bill Bernstein Coward's Portfolio: ETF allocation and returns

Last Update: 31 August 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 7.67% compound annual return, with a 8.58% 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 August 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Bill Bernstein Coward's Portfolio	+2.59	+7.30	+5.23	+6.34	+5.42	+6.89	+7.67
*Components*
VV - Vanguard Large-Cap	+7.63	+16.44	+20.95	+23.74	+15.03	+14.63	+15.28
IJS - iShares S&P Small-Cap 600 Value	+5.07	+11.63	-3.21	-7.32	-0.16	+5.14	+10.42
VTV - Vanguard Value	+4.18	+6.97	+3.68	+2.16	+6.17	+9.18	+11.85
EEM - iShares MSCI Emerging Markets	+2.89	+18.74	+10.56	+13.83	+2.17	+8.00	+3.18
IJR - iShares Core S&P Small-Cap	+3.88	+12.22	+2.45	-0.48	+3.82	+7.47	+12.28
VGK - Vanguard FTSE Europe	+4.31	+12.37	+5.52	+6.11	+1.71	+4.32	+6.10
VPL - Vanguard FTSE Pacific	+6.19	+9.65	+9.84	+9.56	+2.80	+6.67	+6.23
VNQ - Vanguard Real Estate	+0.44	+6.61	-4.77	-8.13	+3.22	+6.40	+9.25
SHY - iShares 1-3 Year Treasury Bond	-0.02	+0.09	+1.54	+3.31	+2.44	+1.73	+1.17
LQD - iShares Investment Grade Corporate Bond	-1.78	+3.42	+4.09	+8.54	+7.21	+6.83	+5.58

(*) 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 August 2020

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Period	Returns Aug 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+2.59%		0.00%	1 - 0
3M	+7.30%		0.00%	3 - 0
6M	+5.23%		-10.06% Mar 2020 - Mar 2020	5 - 1
YTD	-0.71%		-15.14% Jan 2020 - Mar 2020	5 - 3
1Y	+6.34%	13.99%	-15.14% Jan 2020 - Mar 2020	9 - 3
3Y	+5.42% annualized	10.75%	-15.14% Jan 2020 - Mar 2020	26 - 10
5Y	+6.89% annualized	9.18%	-15.14% Jan 2020 - Mar 2020	45 - 15
10Y	+7.67% annualized	8.58%	-15.14% Jan 2020 - Mar 2020	84 - 36
MAX 01 Jan 2003	+7.43% annualized	9.50%	-33.86% Nov 2007 - Feb 2009	146 - 66

* Annualized St.Dev. of monthly returns

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since August 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-15.14%	Jan 2020	Mar 2020	3	in progress	5	8
-11.86%	May 2011	Sep 2011	5	Feb 2012	5	10
-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
-3.72%	May 2019	May 2019	1	Jun 2019	1	2
-3.20%	Feb 2018	Mar 2018	2	Jul 2018	4	6
-2.60%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-2.13%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-1.91%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.77%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.37%	May 2013	Jun 2013	2	Jul 2013	1	3
-1.27%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.88%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-0.63%	Dec 2014	Jan 2015	2	Feb 2015	1	3
-0.46%	Oct 2012	Oct 2012	1	Nov 2012	1	2
-0.44%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.14%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.11%	Aug 2017	Aug 2017	1	Sep 2017	1	2

Worst drawdowns since December 2002.

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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	in progress	5	8
-11.86%	May 2011	Sep 2011	5	Feb 2012	5	10
-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
-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
-2.83%	Jan 2003	Mar 2003	3	Apr 2003	1	4
-2.60%	May 2006	May 2006	1	Aug 2006	3	4
-2.60%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-2.58%	Mar 2005	Apr 2005	2	Jun 2005	2	4
-2.13%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.05%	Oct 2005	Oct 2005	1	Nov 2005	1	2
-1.91%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.77%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.57%	Jan 2005	Jan 2005	1	Feb 2005	1	2
-1.37%	May 2013	Jun 2013	2	Jul 2013	1	3

Rolling Returns

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	+7.66%	+38.05% Mar 2009 - Feb 2010	-28.57% Mar 2008 - Feb 2009	16.92%
2 Years	+7.09%	+26.64% Mar 2009 - Feb 2011	-15.55% Mar 2007 - Feb 2009	11.11%
3 Years	+6.91%	+18.22% Mar 2009 - Feb 2012	-7.36% Mar 2006 - Feb 2009	12.43%
5 Years	+6.39%	+15.26% Mar 2009 - Feb 2014	-0.84% Mar 2004 - Feb 2009	1.31%
7 Years	+6.77%	+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	+6.82%	+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	0.5	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	71	65	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	-0.71%	-1.2	-4.5	-10.1	6.4	2.5	1.7	2.9	2.6
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