DFA Dimensional Retirement Income Fund Portfolio: ETF allocation and returns

Data Source: from January 1994 to September 2021

Last Update: 30 September 2021

The DFA Dimensional Retirement Income Fund Portfolio is exposed for 20.4% on the Stock Market.

It's a Low Risk portfolio and it can be replicated with 7 ETFs.

In the last 10 years, the portfolio obtained a 4.6% compound annual return, with a 3.82% standard deviation.

In the last 25 years, a 5.77% compound annual return, with a 4.47% standard deviation.

In 2020, the portfolio granted a 1.56% dividend yield. If you are interested in getting periodic income, please refer to the DFA Dimensional Retirement Income Fund Portfolio: Dividend Yield page.

Asset Allocation and ETFs

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

        20.4% Stocks
      
        79.6% Fixed Income
      
        0% Commodities

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

Weight	Ticker	ETF Name	Investment Themes
6.40 %	DFUSX	DFA US Large Company I	Stocks
6.40 %	DFEOX	DFA US Core Equity 1	Stocks
3.80 %	DFALX	DFA Large Cap International I	Stocks
1.90 %	DFCEX	DFA Emerging Markets Core Equity I	Stocks
1.90 %	DFIEX	DFA International Core Equity I	Stocks
47.60 %	DIPSX	DFA Inflation-Protected Securities I	Fixed Income
32.00 %	DFIHX	DFA One-Year Fixed-Income I	Fixed Income

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 Retirement Income Fund Portfolio guaranteed the following returns.

DFA DIMENSIONAL RETIREMENT INCOME FUND PORTFOLIO RETURNS (%)

Last Update: 30 September 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**	*20Y^()**	*25Y^()**
DFA Dimensional Retirement Income Fund Portfolio	-1.33	+0.78	+3.79	+8.37	+6.78	+5.35	+4.60	+5.23	+5.77
*Components*
DFUSX DFA US Large Company I	-4.66	+0.55	+9.13	+29.96	+15.94	+16.83	+16.56	+9.47	+9.59
DFEOX DFA US Core Equity 1	-4.16	-0.35	+6.60	+35.50	+14.01	+15.75	+16.08	+9.76	+9.54
DFALX DFA Large Cap International I	-3.17	-1.11	+4.38	+26.59	+7.70	+8.99	+8.13	+6.63	+5.47
DFCEX DFA Emerging Markets Core Equity I	-3.62	-6.27	-0.37	+27.21	+9.07	+8.77	+6.43	+11.39	+7.03
DFIEX DFA International Core Equity I	-3.10	-0.81	+4.51	+30.18	+7.25	+8.90	+8.67	+7.39	+5.56
DIPSX DFA Inflation-Protected Securities I	-0.89	+2.04	+5.29	+5.22	+7.81	+4.39	+3.19	+5.21	+6.05
DFIHX DFA One-Year Fixed-Income I	0.00	0.00	0.00	+0.03	+1.28	+1.18	+0.85	+1.78	+2.59

(*) 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 Retirement Income Fund Portfolio: Dividend Yield page.

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Historical Returns

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

DFA DIMENSIONAL RETIREMENT INCOME FUND PORTFOLIO

Last Update: 30 September 2021

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Period	Returns Sep 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-1.33%		-1.33% Sep 2021 - Sep 2021	0 - 1
3M	+0.78%		-1.33% Sep 2021 - Sep 2021	2 - 1
6M	+3.79%		-1.33% Sep 2021 - Sep 2021	5 - 1
YTD	+4.38%		-1.33% Sep 2021 - Sep 2021	7 - 2
1Y	+8.37%	3.91%	-1.33% Sep 2021 - Sep 2021	9 - 3
3Y	+6.78% annualized	4.79%	-4.64% Feb 2020 - Mar 2020	26 - 10
5Y	+5.35% annualized	3.95%	-4.64% Feb 2020 - Mar 2020	44 - 16
10Y	+4.60% annualized	3.82%	-4.64% Feb 2020 - Mar 2020	83 - 37
20Y	+5.23% annualized	4.46%	-12.91% Jun 2008 - Feb 2009	168 - 72
25Y	+5.77% annualized	4.47%	-12.91% Jun 2008 - Feb 2009	210 - 90
MAX 01 Jan 1994	+5.84% annualized	4.51%	-12.91% Jun 2008 - Feb 2009	233 - 100

* Annualized St.Dev. of monthly returns

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

	25 Years Stats		% Allocation
Portfolio	Return▾	Drawdown	Stocks	Bonds	Comm.
High Yield Bonds Income	+7.14%	-23.98%	0	100	0	Compare
All Country World 20/80	+6.24%	-14.04%	20	80	0	Compare
Stocks/Bonds 20/80	+6.14%	-8.42%	20	80	0	Compare
All Country World Bonds	+5.81%	-8.82%	0	100	0	Compare
Dimensional Retirement Income Fund DFA	+5.77%	-12.91%	20.4	79.6	0

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-12.91%	Jun 2008	Feb 2009	9	Sep 2009	7	16
-4.64%	Feb 2020	Mar 2020	2	Jun 2020	3	5
-4.34%	May 2013	Jun 2013	2	Feb 2014	8	10
-3.40%	May 2015	Sep 2015	5	Jun 2016	9	14
-3.15%	Sep 2018	Dec 2018	4	Mar 2019	3	7
-3.06%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-2.89%	Aug 2011	Sep 2011	2	Nov 2011	2	4
-2.13%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-2.01%	Aug 1998	Aug 1998	1	Sep 1998	1	2
-1.95%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-1.91%	May 2010	May 2010	1	Sep 2010	4	5
-1.82%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-1.75%	Dec 1996	Mar 1997	4	Apr 1997	1	5
-1.66%	Apr 2000	May 2000	2	Jun 2000	1	3
-1.65%	Jul 2003	Jul 2003	1	Sep 2003	2	3
-1.58%	Aug 2001	Sep 2001	2	Oct 2001	1	3
-1.56%	Feb 2001	Mar 2001	2	Apr 2001	1	3
-1.56%	Sep 2020	Oct 2020	2	Nov 2020	1	3
-1.35%	Oct 2016	Nov 2016	2	Jan 2017	2	4
-1.33%	Feb 2018	Feb 2018	1	Aug 2018	6	7

Worst drawdowns since January 1994 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-12.91%	Jun 2008	Feb 2009	9	Sep 2009	7	16
-6.09%	Feb 1994	Jun 1994	5	Apr 1995	10	15
-4.64%	Feb 2020	Mar 2020	2	Jun 2020	3	5
-4.34%	May 2013	Jun 2013	2	Feb 2014	8	10
-3.40%	May 2015	Sep 2015	5	Jun 2016	9	14
-3.15%	Sep 2018	Dec 2018	4	Mar 2019	3	7
-3.06%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-2.89%	Aug 2011	Sep 2011	2	Nov 2011	2	4
-2.13%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-2.01%	Aug 1998	Aug 1998	1	Sep 1998	1	2
-1.95%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-1.91%	May 2010	May 2010	1	Sep 2010	4	5
-1.82%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-1.75%	Dec 1996	Mar 1997	4	Apr 1997	1	5
-1.66%	Apr 2000	May 2000	2	Jun 2000	1	3
-1.65%	Jul 2003	Jul 2003	1	Sep 2003	2	3
-1.58%	Aug 2001	Sep 2001	2	Oct 2001	1	3
-1.57%	Feb 1996	Mar 1996	2	Sep 1996	6	8
-1.56%	Feb 2001	Mar 2001	2	Apr 2001	1	3
-1.56%	Sep 2020	Oct 2020	2	Nov 2020	1	3

Rolling Returns ( more details)

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

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+6.11%	+18.82% Jan 1995 - Dec 1995	-12.74% Mar 2008 - Feb 2009	8.07%
2 Years	+5.94%	+13.38% Dec 1994 - Nov 1996	-2.43% Mar 2007 - Feb 2009	1.94%
3 Years	+5.82%	+12.11% Jan 1995 - Dec 1997	+0.33% Mar 2006 - Feb 2009	0.00%
5 Years	+5.67%	+10.27% Jan 1995 - Dec 1999	+2.16% Mar 2004 - Feb 2009	0.00%
7 Years	+5.58%	+9.03% Jun 1994 - May 2001	+2.41% Apr 2013 - Mar 2020	0.00%
10 Years	+5.63%	+8.58% Jan 1995 - Dec 2004	+3.69% Mar 2008 - Feb 2018	0.00%
15 Years	+5.57%	+7.37% Dec 1994 - Nov 2009	+4.15% Apr 2005 - Mar 2020	0.00%
20 Years	+5.57%	+6.82% Jul 1994 - Jun 2014	+4.64% 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 Retirement Income Fund Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

DFA Dimensional Retirement Income Fund 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.

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	Monthly Average Return (%) and Gain Frequency
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average Win %	0.73 79%	0.15 71%	0.32 61%	0.83 82%	0.43 61%	0.34 71%	0.68 71%	0.38 71%	0.23 57%	0.40 74%	0.70 78%	0.62 63%
Best Year	2.6 2019	1.8 1995	4.9 2009	3.2 2020	3.5 2003	2.1 2000	3.6 1997	2.1 2000	2.4 2010	2.8 2011	2.9 2020	4.0 2008
Worst Year	-1.3 2009	-3.1 2009	-3.6 2020	-3.1 2004	-1.9 2010	-2.5 2013	-1.7 2003	-2.1 1997	-4.0 2008	-7.4 2008	-1.0 2010	-1.2 2018

Statistics calculated for the period Jan 1994 - Sep 2021

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

Monthly Returns of DFA Dimensional Retirement Income Fund Portfolio

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+4.38%	0.2	-0.2	0.6	1.7	0.9	0.3	1.7	0.4	-1.3
2020	+8.69%	0.8	-1.1	-3.6	3.2	1.3	1.1	2.0	1.9	-0.8	-0.8	2.9	1.7
2019	+10.30%	2.6	0.6	1.3	1.0	-0.7	2.0	0.2	0.5	0.0	0.6	0.7	1.1
2018	-1.96%	0.5	-1.3	0.2	0.0	0.5	0.2	0.4	0.7	-0.5	-2.2	0.7	-1.2
2017	+6.78%	1.1	0.8	0.2	0.7	0.4	-0.3	1.0	0.6	0.1	0.6	0.5	0.8
2016	+4.66%	-0.1	0.5	2.4	0.4	-0.3	1.2	1.1	-0.2	0.6	-0.6	-0.8	0.4
2015	-0.87%	1.4	0.5	-0.4	0.9	-0.4	-0.9	0.3	-1.8	-0.8	1.5	-0.2	-1.0
2014	+2.89%	0.4	1.2	-0.2	0.8	1.5	0.6	-0.4	0.9	-2.0	0.7	0.6	-1.0
2013	+1.29%	0.7	0.2	0.8	0.9	-1.9	-2.5	1.7	-1.4	2.1	1.2	0.0	-0.3
2012	+7.36%	2.4	0.9	-0.1	0.8	-1.0	0.7	1.0	0.6	1.0	0.2	0.6	0.2
2011	+6.06%	0.6	1.0	0.5	2.1	0.0	0.1	1.6	-0.9	-2.0	2.8	0.3	0.0
2010	+6.92%	0.0	0.1	1.3	1.5	-1.9	0.1	1.6	0.1	2.4	2.1	-1.0	0.6
2009	+12.97%	-1.3	-3.1	4.9	1.5	2.7	0.1	2.1	1.3	2.2	0.1	2.5	-0.5
2008	-7.45%	0.8	0.6	0.0	-0.2	0.4	-0.7	-0.5	0.3	-4.0	-7.4	-0.6	4.0
2007	+9.18%	0.6	0.9	0.7	1.3	0.3	-0.2	0.8	0.6	1.6	1.5	1.1	-0.3
2006	+5.72%	1.1	0.1	-0.4	0.6	-0.7	0.3	0.9	1.4	0.6	1.0	1.3	-0.5
2005	+4.07%	-0.4	0.5	-0.4	0.6	0.9	0.5	-0.4	1.4	0.5	-1.1	0.9	1.0
2004	+7.31%	1.0	1.5	0.7	-3.1	1.2	0.3	-0.3	1.6	0.5	1.1	0.9	1.7
2003	+11.38%	-0.3	1.5	-0.8	1.6	3.5	0.1	-1.7	1.4	1.7	1.6	0.4	1.9
2002	+5.44%	-0.1	0.7	0.4	0.9	0.8	-0.4	-0.5	2.0	-0.4	-0.3	0.9	1.2
2001	+2.76%	1.8	-0.8	-0.8	1.8	0.6	-0.4	0.6	-0.6	-1.0	1.8	-0.1	-0.2
2000	+7.94%	-0.8	1.6	2.6	-1.1	-0.6	2.1	0.2	2.1	-0.8	0.5	0.2	1.7
1999	+4.99%	0.9	-1.8	1.2	1.5	-1.2	0.9	-0.5	-0.2	0.4	1.5	0.7	1.5
1998	+10.20%	1.1	1.4	1.2	0.6	0.1	1.1	0.1	-2.0	2.1	1.5	1.7	1.1
1997	+11.97%	0.6	0.3	-1.6	2.1	2.0	2.0	3.6	-2.1	2.4	-0.1	1.1	1.1
1996	+5.90%	0.8	-1.4	-0.1	0.0	0.2	1.0	-0.8	0.0	2.4	2.1	2.8	-1.1
1995	+18.82%	1.5	1.8	1.3	1.5	3.3	0.8	0.8	1.0	1.5	0.6	1.8	1.6
1994	-2.17%	2.4	-2.5	-3.0	-0.3	-0.1	-0.4	2.1	0.9	-1.9	0.4	-0.8	1.0

* Note:
Portofolio Returns, up to December 2006, 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:

DFUSX - DFA US Large Company I: simulated historical serie, up to December 1999
DFEOX - DFA US Core Equity 1: simulated historical serie, up to December 2005
DFCEX - DFA Emerging Markets Core Equity I: simulated historical serie, up to December 2005
DFIEX - DFA International Core Equity I: simulated historical serie, up to December 2005
DIPSX - DFA Inflation-Protected Securities I: simulated historical serie, up to December 2006