Data Source: from January 1986 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 01:59PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
1.18%
1 Day
Jul 05 2022, 01:59PM Eastern Time
0.61%
Current Month
July 2022

The Bill Bernstein No Brainer Portfolio is a High Risk portfolio and can be implemented with 4 ETFs.

It's exposed for 75% on the Stock Market.

In the last 30 Years, the Bill Bernstein No Brainer Portfolio obtained a 7.73% compound annual return, with a 11.37% standard deviation.

Asset Allocation and ETFs

The Bill Bernstein No Brainer Portfolio has the following asset allocation:

75% Stocks
25% Fixed Income
0% Commodities

The Bill Bernstein No Brainer Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
25.00 % IJR iShares Core S&P Small-Cap Equity, U.S., Small Cap
25.00 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
25.00 % VV Vanguard Large-Cap Equity, U.S., Large Cap
25.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short 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 No Brainer Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1986.

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 NO BRAINER PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 01:59PM 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 No Brainer Portfolio -1.18 -0.61 -6.10 -15.19 -12.65 5.82 7.76 7.73
US Inflation Adjusted return -6.10 -18.49 -18.80 2.13 5.17 5.13
Components
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
VEU
Vanguard FTSE All-World ex-US
-2.68 01:59PM
Jul 05 2022
-2.70 -7.68 -17.38 -18.51 2.89 5.19 5.29
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
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
(*) 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 No Brainer Portfolio granted a 1.74% dividend yield. If you are interested in getting periodic income, please refer to the Bill Bernstein No Brainer Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Bill Bernstein No Brainer Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BILL BERNSTEIN NO BRAINER PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1986 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
-6.10
-6.10
-6.10
Jun 2022 - Jun 2022
0 - 1
3M
-10.87
-12.03
-10.87
Apr 2022 - Jun 2022
1 - 2
6M
-15.19
-18.49
-15.19
Jan 2022 - Jun 2022
2 - 4
YTD
-15.19
-18.49
-15.19
Jan 2022 - Jun 2022
2 - 4
1Y
-12.65
-18.80
10.70
-15.19
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
5.32
0.77
13.83
-18.24
Jan 2020 - Mar 2020
23 - 13
64% pos
5Y(*)
5.82
2.13
12.76
-18.24
Jan 2020 - Mar 2020
39 - 21
65% pos
10Y(*)
7.76
5.17
10.50
-18.24
Jan 2020 - Mar 2020
82 - 38
68% pos
15Y(*)
5.50
3.12
12.63
-40.40
Nov 2007 - Feb 2009
114 - 66
63% pos
20Y(*)
7.10
4.54
11.85
-40.40
Nov 2007 - Feb 2009
155 - 85
65% pos
25Y(*)
6.52
4.00
12.02
-40.40
Nov 2007 - Feb 2009
186 - 114
62% pos
30Y(*)
7.73
5.13
11.37
-40.40
Nov 2007 - Feb 2009
231 - 129
64% pos
MAX(*)
01 Jan 1986
8.49
5.62
11.63
-40.40
Nov 2007 - Feb 2009
286 - 152
65% 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$, since July 1992, now would be worth 9325.99$, with a total return of 832.60% (7.73% annualized).

The Inflation Adjusted Capital now would be 4482.64$, with a net total return of 348.26% (5.13% annualized).
An investment of 1000$, since January 1986, now would be worth 19585.92$, with a total return of 1858.59% (8.49% annualized).

The Inflation Adjusted Capital now would be 7357.98$, with a net total return of 635.80% (5.62% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-40.40% Nov 2007 Feb 2009 16 Feb 2011 24 40
-24.46% Apr 2000 Sep 2002 30 Dec 2003 15 45
-18.24% Jan 2020 Mar 2020 3 Aug 2020 5 8
-16.20% May 2011 Sep 2011 5 Sep 2012 12 17
-15.19% Jan 2022 Jun 2022 6 in progress 6
-13.95% May 1998 Aug 1998 4 Dec 1998 4 8
-11.92% Sep 2018 Dec 2018 4 Oct 2019 10 14
-9.17% Jun 2015 Feb 2016 9 Jul 2016 5 14
-4.66% Jun 1996 Jul 1996 2 Sep 1996 2 4
-4.18% Feb 1994 Mar 1994 2 Aug 1994 5 7
-4.07% Mar 2005 Apr 2005 2 Jul 2005 3 5
-4.06% Oct 1997 Oct 1997 1 Feb 1998 4 5
-3.74% Sep 1994 Nov 1994 3 Mar 1995 4 7
-3.68% Nov 1993 Nov 1993 1 Jan 1994 2 3
-3.58% Feb 1999 Feb 1999 1 Apr 1999 2 3
-3.45% Feb 2018 Mar 2018 2 Jul 2018 4 6
-3.41% May 2006 Jul 2006 3 Oct 2006 3 6
-3.29% Jan 2000 Jan 2000 1 Feb 2000 1 2
-3.16% Jan 2014 Jan 2014 1 Feb 2014 1 2
-3.10% Sep 2020 Oct 2020 2 Nov 2020 1 3
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-40.40% Nov 2007 Feb 2009 16 Feb 2011 24 40
-24.46% Apr 2000 Sep 2002 30 Dec 2003 15 45
-19.71% Sep 1987 Nov 1987 3 Jan 1989 14 17
-18.24% Jan 2020 Mar 2020 3 Aug 2020 5 8
-16.20% May 2011 Sep 2011 5 Sep 2012 12 17
-15.19% Jan 2022 Jun 2022 6 in progress 6
-14.76% Jan 1990 Sep 1990 9 Feb 1991 5 14
-13.95% May 1998 Aug 1998 4 Dec 1998 4 8
-11.92% Sep 2018 Dec 2018 4 Oct 2019 10 14
-9.17% Jun 2015 Feb 2016 9 Jul 2016 5 14
-4.66% Jun 1996 Jul 1996 2 Sep 1996 2 4
-4.26% Jun 1991 Jun 1991 1 Aug 1991 2 3
-4.18% Feb 1994 Mar 1994 2 Aug 1994 5 7
-4.13% Sep 1986 Sep 1986 1 Jan 1987 4 5
-4.07% Mar 2005 Apr 2005 2 Jul 2005 3 5
-4.06% Oct 1997 Oct 1997 1 Feb 1998 4 5
-3.74% Sep 1994 Nov 1994 3 Mar 1995 4 7
-3.68% Nov 1993 Nov 1993 1 Jan 1994 2 3
-3.58% Feb 1999 Feb 1999 1 Apr 1999 2 3
-3.48% Nov 1991 Nov 1991 1 Dec 1991 1 2

Rolling Returns ( more details)

Bill Bernstein No Brainer Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
9.28 46.17
Apr 2020 - Mar 2021
-34.04
Mar 2008 - Feb 2009
20.61%
2 Years
8.61 30.92
Mar 2009 - Feb 2011
-18.55
Mar 2007 - Feb 2009
12.05%
3 Years
8.36 20.22
Apr 2003 - Mar 2006
-9.55
Mar 2006 - Feb 2009
10.17%
5 Years
8.22 17.42
Mar 2009 - Feb 2014
-1.78
Mar 2004 - Feb 2009
1.06%
7 Years
8.11 14.87
Oct 1990 - Sep 1997
1.23
Mar 2002 - Feb 2009
0.00%
10 Years
8.03 13.10
Oct 1990 - Sep 2000
1.74
Mar 1999 - Feb 2009
0.00%
15 Years
7.57 11.92
Feb 1986 - Jan 2001
4.83
Mar 1994 - Feb 2009
0.00%
20 Years
7.60 10.46
Feb 1986 - Jan 2006
4.80
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 No Brainer Portfolio: Rolling Returns page.

Seasonality

Bill Bernstein No Brainer 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 %
0.58
62%
0.82
59%
0.96
70%
1.57
76%
0.73
70%
0.24
51%
0.83
56%
-0.04
67%
-0.15
53%
0.33
64%
1.14
72%
1.85
83%
Best
Year
9.3
1987
7.6
1991
6.5
1986
9.8
2009
7.2
1990
5.2
2019
7.1
2009
5.3
1986
7.7
2010
9.0
2011
10.1
2020
6.9
1999
Worst
Year
-8.3
2009
-7.7
2009
-11.7
2020
-6.0
2022
-6.5
2010
-6.1
2022
-7.4
2002
-11.5
1998
-7.6
2001
-16.1
1987
-5.5
2008
-6.4
2018
Statistics calculated for the period Jan 1986 - Jun 2022

Monthly/Yearly Returns

Bill Bernstein No Brainer Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
286 Positive Months (65%) - 152 Negative Months (35%)
Jan 1986 - 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
-15.19 -18.49 -4.1 -1.3 0.5 -6.0 1.0 -6.1
2021
+15.39 +7.74 1.4 3.2 2.3 2.5 1.5 0.6 -0.4 1.6 -2.7 3.4 -2.0 3.2
2020
+11.61 +10.20 -1.6 -5.8 -11.7 7.5 3.4 2.4 3.5 4.0 -2.5 -0.6 10.1 4.5
2019
+19.82 +17.17 6.6 2.4 0.0 2.8 -5.2 5.2 0.2 -2.1 2.0 2.0 2.0 2.6
2018
-6.41 -8.17 3.4 -3.3 -0.2 0.4 1.8 -0.1 2.4 1.7 -0.7 -6.5 1.3 -6.4
2017
+15.70 +13.29 1.4 1.7 0.8 1.1 0.7 1.0 1.7 -0.3 2.8 1.3 1.8 0.8
2016
+11.03 +8.80 -4.1 -0.3 5.8 0.9 0.6 0.2 3.3 0.5 0.6 -2.1 3.5 1.9
2015
-1.35 -1.98 -1.5 4.3 -0.2 0.8 0.4 -0.9 0.2 -4.8 -2.5 5.1 0.4 -2.3
2014
+3.78 +3.11 -3.2 3.6 0.4 -0.2 1.2 2.1 -2.1 2.4 -2.9 2.4 0.6 -0.4
2013
+22.10 +20.28 3.4 0.4 2.2 1.4 0.9 -1.3 4.4 -1.9 4.4 3.0 2.1 1.4
2012
+12.91 +10.96 4.6 2.9 1.3 -0.9 -6.1 3.6 0.3 2.3 2.1 -0.9 1.0 2.4
2011
-2.59 -5.48 0.8 2.6 0.7 2.9 -1.2 -1.2 -1.8 -5.4 -7.5 9.0 -0.5 0.0
2010
+14.15 +12.53 -2.9 2.2 5.1 1.6 -6.5 -3.5 5.9 -3.9 7.7 3.0 0.0 5.7
2009
+22.80 +19.44 -8.3 -7.7 6.0 9.8 5.7 -0.2 7.1 2.4 3.9 -2.8 3.7 2.8
2008
-26.26 -26.24 -4.4 -1.0 -0.1 3.4 1.7 -5.9 -0.5 0.3 -6.4 -13.6 -5.5 3.3
2007
+7.14 +2.92 1.2 -0.4 1.5 2.7 2.8 -0.6 -2.1 1.0 3.1 2.5 -3.6 -1.0
2006
+15.27 +12.44 4.4 -0.2 2.6 1.6 -3.0 0.0 -0.4 1.8 1.0 3.2 2.3 1.2
2005
+7.66 +4.19 -1.7 2.4 -1.8 -2.3 2.7 1.4 3.2 0.2 1.6 -2.2 3.0 1.2
2004
+13.66 +9.99 1.6 1.6 0.2 -2.4 1.0 2.5 -3.0 0.2 2.2 1.8 5.0 2.5
2003
+27.39 +24.85 -2.4 -1.7 -0.1 6.6 4.9 1.7 2.4 2.4 -0.1 5.3 1.8 4.0
2002
-10.88 -13.04 -1.0 -0.6 4.1 -0.2 -0.9 -3.9 -7.4 0.5 -6.1 3.9 3.5 -2.5
2001
-4.49 -6.00 2.7 -5.5 -4.2 5.7 0.0 -0.8 -0.6 -2.3 -7.6 2.9 3.9 2.2
2000
-4.63 -7.79 -3.3 4.6 1.4 -3.6 -2.5 4.3 -2.1 4.0 -3.1 -1.8 -5.3 3.4
1999
+18.99 +15.89 1.3 -3.6 2.8 4.5 -1.6 4.0 -0.8 -1.0 -0.3 2.7 3.1 6.9
1998
+12.24 +10.47 0.9 5.4 3.3 0.7 -2.1 1.1 -1.8 -11.5 3.2 5.8 4.1 3.9
1997
+15.88 +13.94 1.6 0.1 -2.3 1.9 6.0 4.0 4.2 -3.1 4.9 -4.1 0.9 1.3
1996
+12.52 +8.84 1.2 1.0 1.2 2.7 1.4 -0.6 -4.1 2.1 3.2 0.4 4.1 -0.4
1995
+20.57 +17.59 -0.2 1.1 2.9 2.4 1.6 1.6 3.7 0.0 2.1 -1.6 3.1 2.3
1994
+2.49 -0.11 4.4 -0.9 -3.3 1.2 0.2 -0.8 1.6 2.8 -1.5 1.3 -3.5 1.3
1993
+16.21 +13.03 1.5 1.1 3.9 1.6 2.6 -0.5 1.3 3.5 -0.3 1.6 -3.7 2.9
1992
+4.40 +1.39 0.8 0.4 -3.1 0.0 2.3 -2.4 1.6 0.6 0.4 -0.6 2.9 1.6
1991
+24.11 +20.52 3.8 7.6 1.4 0.5 2.4 -4.3 3.3 1.4 1.4 1.8 -3.5 6.5
1990
-9.08 -14.43 -4.7 -0.8 -0.5 -2.1 7.2 0.1 -0.3 -7.8 -6.2 2.3 1.8 2.4
1989
+18.78 +13.51 3.8 -0.3 0.8 3.2 1.4 -0.6 6.7 0.1 1.3 -2.5 2.1 1.7
1988
+17.83 +12.86 3.3 5.1 1.6 1.2 -0.9 2.5 -0.1 -3.0 2.8 2.4 0.5 1.3
1987
+8.39 +3.89 9.3 3.6 4.1 1.6 0.4 1.2 2.1 4.2 -1.6 -16.1 -2.8 4.2
1986
+25.39 +23.92 1.3 6.7 6.5 2.2 1.4 3.0 -1.7 5.3 -4.1 0.0 2.5 0.4

Portofolio Returns, up to December 2007, 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:

  • IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
  • VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
  • VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002

Portfolio efficiency

Is the Bill Bernstein No Brainer Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Bill Bernstein No Brainer 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)
+6.52%
(+4.00%)
Poor : 1 / 5
Average : 2.5 / 5
Standard Deviation
over 25 Years
12.02%
Poor : 1 / 5
Average : 2.9 / 5
Maximum Drawdown
over 25 Years
-40.40%
Poor : 1 / 5
Average : 2.4 / 5
Easy to manage 4 ETFs
Good : 3.5 / 5
Good : 3.5 / 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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