Burton Malkiel Late Thirties to Early Forties Portfolio: Rebalancing Strategy

With the current simulation settings, as of June 2026, in the previous 30 Years:

• the Burton Malkiel Late Thirties to Early Forties Portfolio obtained a 8.60% compound annual return, with a 13.72% standard deviation. It suffered a maximum drawdown of -48.55% that required 42 months to be recovered.
• the Burton Malkiel Late Thirties to Early Forties Portfolio obtained a 8.75% compound annual return, with a 13.69% standard deviation. It suffered a maximum drawdown of -48.28% that required 42 months to be recovered.
• the Burton Malkiel Late Thirties to Early Forties Portfolio obtained a 8.81% compound annual return, with a 13.56% standard deviation. It suffered a maximum drawdown of -47.58% that required 59 months to be recovered.
• the Burton Malkiel Late Thirties to Early Forties Portfolio obtained a 8.77% compound annual return, with a 13.48% standard deviation. It suffered a maximum drawdown of -47.04% that required 53 months to be recovered.

Your practical guide to Building Wealth.

Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.

English Book Italian Book

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Burton Malkiel Late Thirties to Early Forties Portfolio

6MRebalanced: every 6M
at every Jan 1^st, Jul 1^st

Weight (%)	Ticker		Name
32.50	VTI		Vanguard Total Stock Market
16.25	EEM		iShares MSCI Emerging Markets
16.25	EFA		iShares MSCI EAFE
10.00	VIG		Vanguard Dividend Appreciation
10.00	VNQ		Vanguard Real Estate
5.00	BIL		SPDR Blmbg Barclays 1-3 Mth T-Bill
5.00	EMB		iShares JP Morgan USD Em Mkts Bd
5.00	LQD		iShares Investment Grade Corporate Bond

Burton Malkiel Late Thirties to Early Forties Portfolio

1YRebalanced: every 12M
at every Jan 1^st

Weight (%)	Ticker		Name
32.50	VTI		Vanguard Total Stock Market
16.25	EEM		iShares MSCI Emerging Markets
16.25	EFA		iShares MSCI EAFE
10.00	VIG		Vanguard Dividend Appreciation
10.00	VNQ		Vanguard Real Estate
5.00	BIL		SPDR Blmbg Barclays 1-3 Mth T-Bill
5.00	EMB		iShares JP Morgan USD Em Mkts Bd
5.00	LQD		iShares Investment Grade Corporate Bond

Burton Malkiel Late Thirties to Early Forties Portfolio

±5%Rebalanced:
at 5% asset weight deviation

Weight (%)	Ticker		Name
32.50	VTI		Vanguard Total Stock Market
16.25	EEM		iShares MSCI Emerging Markets
16.25	EFA		iShares MSCI EAFE
10.00	VIG		Vanguard Dividend Appreciation
10.00	VNQ		Vanguard Real Estate
5.00	BIL		SPDR Blmbg Barclays 1-3 Mth T-Bill
5.00	EMB		iShares JP Morgan USD Em Mkts Bd
5.00	LQD		iShares Investment Grade Corporate Bond

Burton Malkiel Late Thirties to Early Forties Portfolio

±10%Rebalanced:
at 10% asset weight deviation

Weight (%)	Ticker		Name
32.50	VTI		Vanguard Total Stock Market
16.25	EEM		iShares MSCI Emerging Markets
16.25	EFA		iShares MSCI EAFE
10.00	VIG		Vanguard Dividend Appreciation
10.00	VNQ		Vanguard Real Estate
5.00	BIL		SPDR Blmbg Barclays 1-3 Mth T-Bill
5.00	EMB		iShares JP Morgan USD Em Mkts Bd
5.00	LQD		iShares Investment Grade Corporate Bond

Portfolio Returns as of Jun 30, 2026

Readings that may interest you

Mastering ETF Investing: How to Build Wealth with Lazy Portfolios and Passive ...

Counter Investing: A Winning Approach to Life and Finance

Exchange-Traded Fund Investing For Beginners: How To Build Your Wealth With Less ...

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

Your practical guide to Building Wealth.

Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.

English Book Italian Book

Drawdowns

A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.

Rolling Returns

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the Simulation Settings.

You can explore the Rolling Returns for a single portfolio, or check the return differential, by switching on "Head To Head" toggle.

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Yearly Returns

For each year, the following table provides the return and intra-year drawdown. The highlighted returns represent the highest values for that specific year.

Your practical guide to Building Wealth.

Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.

English Book Italian Book