DFA Dimensional 2030 Retirement Income Portfolio: ETF allocation and returns

Last Update: 31 December 2020

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 7.76% compound annual return, with a 8.13% standard deviation.

In 2020, the portfolio granted a 1.63% dividend yield. If you are interested in getting periodic income, please refer to the DFA Dimensional 2030 Retirement Income Portfolio: Dividend Yield page.

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 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
DFA Dimensional 2030 Retirement Income Portfolio	+3.20	+8.76	+14.96	+13.87	+8.71	+9.62	+7.76
*Components*
VTI - Vanguard Total Stock Market	+4.68	+14.75	+25.36	+21.03	+14.45	+15.44	+13.77
VV - Vanguard Large-Cap	+4.10	+12.78	+23.87	+20.99	+14.91	+15.66	+14.00
VEA - Vanguard FTSE Developed Markets	+5.64	+16.46	+23.46	+9.74	+4.68	+8.29	+5.86
EEM - iShares MSCI Emerging Markets	+7.14	+18.41	+30.55	+17.03	+5.42	+12.26	+2.95
VEU - Vanguard FTSE All-World ex-US	+5.72	+16.59	+24.39	+11.12	+5.12	+9.20	+5.12
TIP - iShares TIPS Bond	+1.10	+1.63	+4.52	+10.84	+5.79	+4.99	+3.65
BSV - Vanguard Short-Term Bond	+0.23	+0.33	+0.67	+4.70	+3.66	+2.70	+2.05
BNDX - Vanguard Total International Bond	+0.36	+1.09	+2.15	+4.65	+5.09	+4.45	+4.90

(*) 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 DFA Dimensional 2030 Retirement Income Portfolio: Dividend Yield page.

Historical Returns

DFA Dimensional 2030 Retirement Income Portfolio - Historical returns and stats.

DFA DIMENSIONAL 2030 RETIREMENT INCOME PORTFOLIO

Last Update: 31 December 2020

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Period	Returns Dec 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+3.20%		0.00%	1 - 0
3M	+8.76%		-1.37% Oct 2020 - Oct 2020	2 - 1
6M	+14.96%		-3.04% Sep 2020 - Oct 2020	4 - 2
YTD	+13.87%	14.49%	-11.59% Feb 2020 - Mar 2020	8 - 4
1Y	+13.87%	14.49%	-11.59% Feb 2020 - Mar 2020	8 - 4
3Y	+8.71% annualized	10.64%	-11.59% Feb 2020 - Mar 2020	24 - 12
5Y	+9.62% annualized	8.72%	-11.59% Feb 2020 - Mar 2020	46 - 14
10Y	+7.76% annualized	8.13%	-11.59% Feb 2020 - Mar 2020	84 - 36
MAX 01 Jan 2001	+6.82% annualized	9.08%	-31.78% Nov 2007 - Feb 2009	160 - 80

* Annualized St.Dev. of monthly returns

Best High Risk Porftolios, ordered by 10Y annualized return.

Portfolio	10Y Return ▾	Stocks	Bonds
Simple Path to Wealth JL Collins	+11.38%	75	25	Compare
Stocks/Bonds 60/40	+9.90%	60	40	Compare
Yale Endowment David Swensen	+9.07%	70	30	Compare
Edge Select Moderately Aggressive Merrill Lynch	+9.02%	69	31	Compare
Talmud Portfolio Roger Gibson	+8.95%	66.67	33.33	Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since December 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-11.59%	Feb 2020	Mar 2020	2	Jul 2020	4	6
-9.50%	May 2011	Sep 2011	5	Jan 2012	4	9
-7.56%	Feb 2018	Dec 2018	11	Mar 2019	3	14
-7.01%	May 2015	Jan 2016	9	Jul 2016	6	15
-4.05%	Apr 2012	May 2012	2	Aug 2012	3	5
-3.78%	May 2013	Jun 2013	2	Sep 2013	3	5
-3.04%	Sep 2020	Oct 2020	2	Nov 2020	1	3
-2.99%	May 2019	May 2019	1	Jun 2019	1	2
-2.58%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-1.64%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.35%	Oct 2016	Oct 2016	1	Jan 2017	3	4
-0.87%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.82%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.34%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-0.33%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Worst drawdowns since December 2000.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-31.78%	Nov 2007	Feb 2009	16	Oct 2010	20	36
-13.99%	Feb 2001	Sep 2002	20	Sep 2003	12	32
-11.59%	Feb 2020	Mar 2020	2	Jul 2020	4	6
-9.50%	May 2011	Sep 2011	5	Jan 2012	4	9
-7.56%	Feb 2018	Dec 2018	11	Mar 2019	3	14
-7.01%	May 2015	Jan 2016	9	Jul 2016	6	15
-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
-3.04%	Sep 2020	Oct 2020	2	Nov 2020	1	3
-2.99%	May 2019	May 2019	1	Jun 2019	1	2
-2.58%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-2.25%	May 2006	May 2006	1	Aug 2006	3	4
-2.02%	Oct 2005	Oct 2005	1	Nov 2005	1	2
-1.82%	Mar 2005	Apr 2005	2	Jun 2005	2	4
-1.64%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.38%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-1.35%	Oct 2016	Oct 2016	1	Jan 2017	3	4
-1.21%	Jan 2005	Jan 2005	1	Feb 2005	1	2
-1.12%	Jun 2007	Jul 2007	2	Sep 2007	2	4

Rolling Returns ( more details)

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

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+7.11%	+36.46% Mar 2009 - Feb 2010	-28.55% Mar 2008 - Feb 2009	18.78%
2 Years	+7.09%	+25.36% Mar 2009 - Feb 2011	-12.83% Mar 2007 - Feb 2009	11.06%
3 Years	+7.15%	+18.55% Mar 2009 - Feb 2012	-5.79% Mar 2006 - Feb 2009	5.85%
5 Years	+6.91%	+14.68% Mar 2009 - Feb 2014	-0.13% Mar 2004 - Feb 2009	0.55%
7 Years	+6.71%	+10.30% Mar 2009 - Feb 2016	+2.84% Mar 2002 - Feb 2009	0.00%
10 Years	+6.91%	+9.78% Mar 2009 - Feb 2019	+5.18% Feb 2006 - Jan 2016	0.00%
15 Years	+6.86%	+8.27% Feb 2003 - Jan 2018	+5.53% Feb 2001 - Jan 2016	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 and Yearly/Monthly Returns

DFA Dimensional 2030 Retirement Income Portfolio Seasonality

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	Months
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average	0.4	0.1	0.5	1.8	0.4	-0.1	1.0	0.3	-0.1	0.6	1.3	1.0
Best	5.2 2019	2.9 2014	6.9 2009	6.7 2020	5.7 2009	4.2 2019	5.3 2009	3.7 2020	5.5 2010	6.5 2011	6.9 2020	5.1 2008
Worst	-5.5 2009	-6.2 2009	-8.2 2020	-3.3 2004	-4.9 2010	-4.0 2008	-3.9 2002	-4.1 2015	-7.0 2008	-12.8 2008	-2.9 2008	-4.0 2018
Gain Frequency	60	70	65	80	65	50	70	65	60	65	75	75

Detail of Monthly Returns

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2020	+13.87%	0.1	-3.7	-8.2	6.7	2.9	2.0	3.7	3.7	-1.7	-1.4	6.9	3.2
2019	+18.74%	5.2	1.5	1.5	2.1	-3.0	4.2	0.3	-0.3	0.8	1.5	1.7	2.2
2018	-4.97%	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%	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%	-2.5	0.0	4.8	0.6	0.2	1.0	2.5	0.1	0.7	-1.4	0.1	1.1
2015	-1.32%	0.2	2.7	-0.8	1.4	-0.2	-1.7	0.7	-4.1	-1.9	4.2	-0.2	-1.6
2014	+5.23%	-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%	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%	4.1	2.4	0.7	-0.1	-4.0	2.5	1.1	1.4	1.9	-0.3	1.0	1.2
2011	+2.36%	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%	-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%	-5.5	-6.2	6.9	5.5	5.7	-0.2	5.3	2.3	3.6	-1.2	4.3	0.7
2008	-21.57%	-2.4	-0.3	-0.5	2.3	0.9	-4.0	-1.2	-0.2	-7.0	-12.8	-2.9	5.1
2007	+10.20%	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%	2.8	-0.2	0.7	1.5	-2.3	0.2	0.9	2.0	1.0	2.3	2.1	0.6
2005	+7.33%	-1.2	1.8	-1.4	-0.5	1.8	0.9	1.5	1.1	1.4	-2.0	2.3	1.7
2004	+11.75%	1.6	1.9	0.3	-3.3	1.3	1.1	-1.7	1.3	1.3	1.7	3.1	2.8
2003	+22.57%	-1.3	0.3	-0.7	4.7	4.9	0.9	0.0	2.0	1.2	3.8	0.9	3.9
2002	-4.09%	-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%	2.8	-4.3	-3.3	4.3	0.2	-1.4	-0.3	-2.2	-4.6	2.5	2.2	0.5

* 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