Data Source: from January 1993 to December 2021

Last Update: 31 December 2021

The DFA Dimensional 2030 Retirement Income Portfolio is exposed for 55.9% on the Stock Market.

It's a High Risk portfolio and it can be replicated with 8 ETFs.

In the last 10 years, the portfolio obtained a 8.77% compound annual return, with a 7.72% standard deviation.

In the last 25 years, a 7.68% compound annual return, with a 9.07% standard deviation.

Asset Allocation and ETFs

The DFA Dimensional 2030 Retirement Income Portfolio has the following asset allocation:

55.9% Stocks
44.1% Fixed Income
0% Commodities

The DFA Dimensional 2030 Retirement Income Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
17.50 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
17.50 % VV Vanguard Large-Cap Equity, U.S., Large Cap
10.50 % VEA Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
5.20 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
5.20 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
31.90 % TIP iShares TIPS Bond Bond, U.S., All-Term
6.10 % BSV Vanguard Short-Term Bond Bond, U.S., Short Term
6.10 % BNDX Vanguard Total International Bond Bond, Developed Markets, 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 DFA Dimensional 2030 Retirement Income Portfolio guaranteed the following returns.

DFA DIMENSIONAL 2030 RETIREMENT INCOME PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
DFA Dimensional 2030 Retirement Income Portfolio +2.31 +4.66 +4.44 +12.36 +14.96 +10.64 +8.77 +7.66 +7.68
--- Inflation Adjusted return +1.83 +2.40 +1.00 +4.89 +11.04 +7.50 +6.51 +5.23 +5.27
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
VV
Vanguard Large-Cap
+4.17 +10.38 +10.81 +27.40 +26.47 +18.72 +16.63 +9.69 +9.88
VEA
Vanguard FTSE Developed Markets
+4.34 +2.70 +1.04 +11.67 +14.54 +10.12 +8.44 +6.66 +5.54
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
VEU
Vanguard FTSE All-World ex-US
+3.69 +1.96 -1.37 +8.28 +13.60 +9.89 +7.57 +6.87 +5.48
TIP
iShares TIPS Bond
+0.40 +2.39 +4.14 +5.67 +8.26 +5.18 +2.93 +5.18 +5.79
BSV
Vanguard Short-Term Bond
-0.15 -0.73 -0.72 -1.09 +2.83 +2.20 +1.64 +2.88 +3.61
BNDX
Vanguard Total International Bond
-0.74 -0.14 -0.17 -2.28 +3.32 +3.03 +3.80 +4.96 +5.22
(*) 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

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the portfolio granted a 2.87% dividend yield. If you are interested in getting periodic income, please refer to the DFA Dimensional 2030 Retirement Income Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of DFA Dimensional 2030 Retirement Income Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

DFA DIMENSIONAL 2030 RETIREMENT INCOME PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
+2.31%
+1.83%
0.00%
1 - 0
3M
+4.66%
+2.40%
-1.07%
Nov 2021 - Nov 2021
2 - 1
6M
+4.44%
+1.00%
-2.79%
Sep 2021 - Sep 2021
4 - 2
YTD
+12.36%
+4.89%
5.60%
-2.79%
Sep 2021 - Sep 2021
9 - 3
75% pos
1Y
+12.36%
+4.89%
5.60%
-2.79%
Sep 2021 - Sep 2021
9 - 3
75% pos
3Y
+14.96%
annualized
+11.04%
annualized
9.82%
-11.58%
Feb 2020 - Mar 2020
27 - 9
75% pos
5Y
+10.64%
annualized
+7.50%
annualized
8.67%
-11.58%
Feb 2020 - Mar 2020
45 - 15
75% pos
10Y
+8.77%
annualized
+6.51%
annualized
7.72%
-11.58%
Feb 2020 - Mar 2020
86 - 34
72% pos
20Y
+7.66%
annualized
+5.23%
annualized
8.89%
-31.78%
Nov 2007 - Feb 2009
163 - 77
68% pos
25Y
+7.68%
annualized
+5.27%
annualized
9.07%
-31.78%
Nov 2007 - Feb 2009
199 - 101
66% pos
MAX
01 Jan 1993
+8.32%
annualized
+5.81%
annualized
8.79%
-31.78%
Nov 2007 - Feb 2009
236 - 112
68% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the DFA Dimensional 2030 Retirement Income Portfolio actually efficient, compared to other Lazy Portfolios?

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Simple Path to Wealth
JL Collins
+8.96% -38.54% 75 25 0 Compare
Yale Endowment
David Swensen
+8.94% -39.46% 70 30 0 Compare
Talmud Portfolio
Roger Gibson
+8.80% -40.18% 66.67 33.33 0 Compare
Late Sixties and Beyond
Burton Malkiel
+8.63% -41.80% 71 29 0 Compare
Lazy Portfolio
David Swensen
+8.41% -40.88% 70 30 0 Compare

See all portfolios

Our overall ratings, assigned to the DFA Dimensional 2030 Retirement Income Portfolio. The 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)
+7.68%
(+5.27%)
Average : 2.7 / 5
Good : 3.4 / 5
Standard Deviation
over 25 Years
9.07%
Good : 3.9 / 5
Good : 3.6 / 5
Maximum Drawdown
over 25 Years
-31.78%
Excellent : 4.3 / 5
Good : 3 / 5
Easy to manage 8 ETFs
Bad : 1.5 / 5
Bad : 1.5 / 5
Rating assigned considering all the High Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 6353.02$, with a total return of 535.30% (7.68% annualized).

The Inflation Adjusted Capital now would be 3607.40$, with a net total return of 260.74% (5.27% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-31.78% Nov 2007 Feb 2009 16 Oct 2010 20 36
-15.10% Sep 2000 Sep 2002 25 Oct 2003 13 38
-11.58% Feb 2020 Mar 2020 2 Jul 2020 4 6
-9.50% May 2011 Sep 2011 5 Jan 2012 4 9
-8.22% Jul 1998 Aug 1998 2 Nov 1998 3 5
-7.57% Feb 2018 Dec 2018 11 Mar 2019 3 14
-7.01% May 2015 Jan 2016 9 Jul 2016 6 15
-4.40% Apr 2000 May 2000 2 Aug 2000 3 5
-4.20% Aug 1997 Aug 1997 1 Jan 1998 5 6
-4.05% Apr 2012 May 2012 2 Aug 2012 3 5
-3.78% May 2013 Jun 2013 2 Sep 2013 3 5
-3.31% Apr 2004 Apr 2004 1 Oct 2004 6 7
-3.03% Sep 2020 Oct 2020 2 Nov 2020 1 3
-2.99% May 2019 May 2019 1 Jun 2019 1 2
-2.79% Sep 2021 Sep 2021 1 Oct 2021 1 2
-2.73% Jan 2000 Jan 2000 1 Mar 2000 2 3
-2.58% Sep 2014 Sep 2014 1 Feb 2015 5 6
-2.56% Mar 1997 Mar 1997 1 May 1997 2 3
-2.49% Feb 1999 Feb 1999 1 Mar 1999 1 2
-2.25% May 2006 May 2006 1 Aug 2006 3 4

Rolling Returns ( more details)

DFA Dimensional 2030 Retirement Income Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+8.45% +36.46%
Mar 2009 - Feb 2010
-28.55%
Mar 2008 - Feb 2009
16.62%
2 Years
+8.00% +25.36%
Mar 2009 - Feb 2011
-12.83%
Mar 2007 - Feb 2009
11.69%
3 Years
+7.83% +18.55%
Mar 2009 - Feb 2012
-5.79%
Mar 2006 - Feb 2009
7.67%
5 Years
+7.56% +15.52%
Jan 1995 - Dec 1999
-0.13%
Mar 2004 - Feb 2009
0.35%
7 Years
+7.26% +13.48%
Jan 1993 - Dec 1999
+2.84%
Mar 2002 - Feb 2009
0.00%
10 Years
+7.17% +9.96%
Jan 1995 - Dec 2004
+3.00%
Mar 1999 - Feb 2009
0.00%
15 Years
+7.02% +9.73%
Jan 1993 - Dec 2007
+5.53%
Feb 2001 - Jan 2016
0.00%
20 Years
+7.15% +8.38%
Dec 1994 - Nov 2014
+5.30%
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 DFA Dimensional 2030 Retirement Income Portfolio: Rolling Returns page.

Seasonality

DFA Dimensional 2030 Retirement Income 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.

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 %
0.62
66%
0.20
69%
0.67
69%
1.63
83%
0.46
66%
0.42
62%
0.90
66%
0.20
66%
0.10
55%
0.85
66%
1.05
69%
1.32
79%
Best
Year
5.2
2019
4.1
1998
6.9
2009
6.7
2020
5.7
2009
4.1
2019
5.3
2009
3.9
1993
5.5
2010
6.5
2011
6.8
2020
5.1
2008
Worst
Year
-5.4
2009
-6.2
2009
-8.2
2020
-3.3
2004
-4.9
2010
-4.0
2008
-3.9
2002
-7.8
1998
-7.0
2008
-12.7
2008
-2.9
2008
-4.0
2018
Statistics calculated for the period Jan 1993 - Dec 2021

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

Monthly/Yearly Returns

DFA Dimensional 2030 Retirement Income Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
236 Positive Months (68%) - 112 Negative Months (32%)
Jan 1993 - Dec 2021
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
2021
+12.36 +4.89 -0.1 0.7 1.6 2.9 1.1 1.1 1.3 1.3 -2.8 3.4 -1.1 2.3
2020
+13.87 +12.41 0.1 -3.7 -8.2 6.7 2.9 2.0 3.7 3.7 -1.7 -1.4 6.8 3.2
2019
+18.74 +16.11 5.2 1.5 1.5 2.1 -3.0 4.1 0.3 -0.3 0.8 1.5 1.7 2.2
2018
-4.97 -6.76 2.8 -2.8 -0.4 0.1 0.6 0.0 1.6 1.0 -0.1 -4.8 1.3 -4.0
2017
+14.85 +12.49 1.9 1.8 0.7 1.0 1.2 0.1 1.7 0.6 0.9 1.4 1.2 1.3
2016
+7.26 +5.11 -2.4 0.0 4.8 0.6 0.1 1.0 2.5 0.1 0.7 -1.3 0.1 1.1
2015
-1.32 -1.95 0.2 2.7 -0.8 1.4 -0.2 -1.7 0.7 -4.1 -1.9 4.2 -0.1 -1.6
2014
+5.23 +4.55 -1.6 2.9 0.2 0.9 1.9 1.3 -0.9 2.0 -2.6 1.3 1.0 -1.1
2013
+11.66 +10.00 2.2 0.3 1.6 1.8 -1.3 -2.5 3.3 -2.1 3.6 2.6 0.9 1.0
2012
+12.36 +10.41 4.1 2.4 0.7 0.0 -4.0 2.5 1.1 1.4 1.9 -0.3 1.0 1.2
2011
+2.36 -0.68 0.9 2.0 0.5 3.0 -0.8 -0.7 0.2 -3.5 -5.0 6.5 -0.4 0.1
2010
+10.90 +9.33 -1.8 1.0 3.6 1.2 -4.9 -1.7 4.5 -1.4 5.5 3.0 -1.4 3.5
2009
+22.15 +18.81 -5.4 -6.2 6.9 5.5 5.7 -0.2 5.3 2.3 3.6 -1.2 4.3 0.6
2008
-21.57 -21.55 -2.4 -0.3 -0.5 2.3 0.9 -4.0 -1.2 -0.2 -7.0 -12.7 -2.9 5.1
2007
+10.20 +5.85 0.9 0.0 1.2 2.5 1.5 -0.5 -0.6 0.8 3.4 2.6 -1.3 -0.7
2006
+11.79 +9.04 2.8 -0.2 0.6 1.4 -2.3 0.2 0.9 1.9 0.9 2.3 2.1 0.5
2005
+7.33 +3.86 -1.2 1.7 -1.4 -0.5 1.8 0.8 1.5 1.1 1.4 -2.0 2.2 1.7
2004
+11.75 +8.13 1.6 1.9 0.3 -3.3 1.3 1.1 -1.6 1.3 1.3 1.7 3.1 2.8
2003
+22.57 +20.13 -1.3 0.3 -0.6 4.7 4.9 0.9 0.0 2.0 1.2 3.8 0.9 3.9
2002
-4.09 -6.41 -0.8 0.2 2.1 -0.8 0.5 -2.9 -3.9 1.7 -4.1 2.2 2.8 -0.8
2001
-3.94 -5.46 2.8 -4.3 -3.3 4.3 0.2 -1.4 -0.3 -2.2 -4.6 2.4 2.2 0.5
2000
-0.49 -3.79 -2.7 1.6 4.2 -2.8 -1.7 3.0 -1.0 3.3 -2.6 -0.6 -2.8 2.1
1999
+15.39 +12.38 1.8 -2.5 2.9 3.5 -2.2 2.8 -1.0 -0.2 -0.3 3.2 2.2 4.7
1998
+15.08 +13.26 1.0 4.1 2.5 0.8 -1.1 1.3 -0.4 -7.8 3.5 4.7 3.3 2.8
1997
+14.36 +12.45 1.5 0.5 -2.6 2.6 4.3 3.2 4.6 -4.2 4.0 -2.5 1.5 1.1
1996
+10.23 +6.63 1.6 -0.7 0.4 1.1 0.7 0.6 -2.5 0.8 3.4 1.8 4.3 -1.5
1995
+22.89 +19.85 0.6 1.5 2.2 2.3 3.4 0.9 2.3 0.4 2.3 -0.2 2.9 2.1
1994
-1.78 -4.27 3.9 -2.8 -4.2 0.6 0.3 -0.9 2.4 2.2 -2.4 1.2 -2.6 0.8
1993
+19.97 +16.69 2.0 2.1 3.0 1.3 1.3 1.6 1.6 3.9 -0.6 1.9 -2.7 3.2

* Note:
Portofolio Returns, up to December 2013, 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:

  • VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
  • VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
  • VEA - Vanguard FTSE Developed Markets: simulated historical serie, up to December 2007
  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
  • TIP - iShares TIPS Bond: simulated historical serie, up to December 2003
  • BSV - Vanguard Short-Term Bond: simulated historical serie, up to December 2007
  • BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
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