Data Source: from January 1995 to September 2021

Last Update: 30 September 2021

The Dynamic 40/60 Income Portfolio is exposed for 40% on the Stock Market.

It's a Medium Risk portfolio and it can be replicated with 5 ETFs.

In the last 10 years, the portfolio obtained a 7.26% compound annual return, with a 6.44% standard deviation.

In the last 25 years, a 7.22% compound annual return, with a 8.07% standard deviation.

In 2020, the portfolio granted a 3.24% dividend yield. If you are interested in getting periodic income, please refer to the Dynamic 40/60 Income Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Dynamic 40/60 Income Portfolio has the following asset allocation:

40% Stocks
60% Fixed Income
0% Commodities

The Dynamic 40/60 Income Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
20.00 % PFF iShares Preferred and Income Securities ETF Preferred Stock, U.S.
20.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
20.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
20.00 % EMB iShares JP Morgan USD Em Mkts Bd Bond, Emerging Markets, All-Term
20.00 % HYG iShares iBoxx $ High Yield Corporate Bond Bond, U.S., Intermediate-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 Dynamic 40/60 Income Portfolio guaranteed the following returns.

DYNAMIC 40/60 INCOME PORTFOLIO RETURNS (%)
Last Update: 30 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Dynamic 40/60 Income Portfolio -1.83 -0.20 +3.45 +10.93 +7.36 +6.46 +7.26 +6.80 +7.22
Components
PFF
iShares Preferred and Income Securities ETF
-1.12 -0.20 +3.48 +11.43 +6.83 +5.10 +6.77 +5.69 +6.32
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
SHY
iShares 1-3 Year Treasury Bond
-0.10 +0.03 -0.02 -0.10 +2.53 +1.51 +1.03 +2.20 +3.12
EMB
iShares JP Morgan USD Em Mkts Bd
-2.64 -1.22 +3.01 +3.20 +5.43 +3.36 +5.14 +8.56 +9.45
HYG
iShares iBoxx $ High Yield Corporate Bond
-0.37 +0.34 +2.36 +8.92 +5.46 +5.16 +6.23 +5.97 +5.65
(*) 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 Dynamic 40/60 Income Portfolio: Dividend Yield page.

Historical Returns

Dynamic 40/60 Income Portfolio - Historical returns and stats.

DYNAMIC 40/60 INCOME PORTFOLIO
Last Update: 30 September 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-1.83%
-1.83%
Sep 2021 - Sep 2021
0 - 1
3M
-0.20%
-1.83%
Sep 2021 - Sep 2021
2 - 1
6M
+3.45%
-1.83%
Sep 2021 - Sep 2021
5 - 1
YTD
+3.88%
-1.83%
Sep 2021 - Sep 2021
6 - 3
1Y
+10.93%
5.72%
-1.83%
Sep 2021 - Sep 2021
8 - 4
3Y
+7.36%
annualized
9.31%
-12.42%
Feb 2020 - Mar 2020
25 - 11
5Y
+6.46%
annualized
7.41%
-12.42%
Feb 2020 - Mar 2020
44 - 16
10Y
+7.26%
annualized
6.44%
-12.42%
Feb 2020 - Mar 2020
88 - 32
20Y
+6.80%
annualized
8.18%
-29.85%
Nov 2007 - Feb 2009
172 - 68
25Y
+7.22%
annualized
8.07%
-29.85%
Nov 2007 - Feb 2009
213 - 87
MAX
01 Jan 1995
+7.97%
annualized
7.90%
-29.85%
Nov 2007 - Feb 2009
232 - 89
* Annualized St.Dev. of monthly returns

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Couch Potato
Scott Burns
+8.32% -27.03% 50 50 0 Compare
All Weather Portfolio
Ray Dalio
+7.92% -12.19% 30 55 15 Compare
Robo Advisor 50
Betterment
+7.70% -30.72% 49.9 50.1 0 Compare
Stocks/Bonds 40/60
+7.27% -19.17% 40 60 0 Compare
Dynamic 40/60 Income
+7.22% -29.85% 40 60 0

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Dynamic 40/60 Income Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+8.08% +45.82%
Mar 2009 - Feb 2010
-27.71%
Mar 2008 - Feb 2009
9.68%
2 Years
+7.60% +27.87%
Mar 2009 - Feb 2011
-14.95%
Mar 2007 - Feb 2009
5.03%
3 Years
+7.29% +20.25%
Mar 2009 - Feb 2012
-7.96%
Mar 2006 - Feb 2009
3.50%
5 Years
+7.07% +15.13%
Mar 2009 - Feb 2014
-2.29%
Mar 2004 - Feb 2009
1.15%
7 Years
+6.97% +12.04%
Jan 1995 - Dec 2001
+1.44%
Mar 2002 - Feb 2009
0.00%
10 Years
+6.91% +11.43%
Jan 1995 - Dec 2004
+3.40%
Mar 1999 - Feb 2009
0.00%
15 Years
+6.79% +8.87%
Apr 1995 - Mar 2010
+5.00%
Apr 2005 - Mar 2020
0.00%
20 Years
+6.95% +8.62%
Jan 1995 - Dec 2014
+5.68%
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 Dynamic 40/60 Income Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Dynamic 40/60 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 %
0.67
74%
0.30
70%
0.46
70%
1.60
89%
0.50
63%
0.48
74%
0.83
67%
0.40
74%
0.04
63%
0.43
69%
0.90
69%
1.41
85%
Best
Year
4.8
2019
2.6
2014
6.4
2009
9.7
2009
5.9
2009
3.5
2000
6.1
2009
2.9
2000
4.2
2009
6.0
2011
4.8
2020
9.2
2008
Worst
Year
-5.6
2009
-10.0
2009
-9.8
2020
-2.6
2004
-3.7
2010
-4.6
2008
-3.3
2002
-9.1
1998
-10.0
2008
-8.7
2008
-2.6
2007
-2.1
2018
Statistics calculated for the period Jan 1995 - Sep 2021

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

Monthly Returns of Dynamic 40/60 Income Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+3.88% -0.8 -0.2 1.5 1.9 0.5 1.3 0.7 1.0 -1.8
2020
+8.28% 0.6 -2.9 -9.8 6.1 3.2 0.7 3.9 1.9 -1.4 -0.5 4.8 2.4
2019
+15.91% 4.8 1.2 1.3 1.2 -1.5 3.2 0.8 0.3 0.4 0.7 0.7 2.0
2018
-3.18% 0.6 -1.4 -0.2 -0.4 0.6 0.2 1.5 0.8 0.2 -2.9 -0.1 -2.1
2017
+9.18% 1.4 1.8 0.2 1.0 0.7 0.2 1.0 0.5 0.5 0.4 0.6 0.4
2016
+7.53% -1.5 0.7 3.1 1.3 0.6 1.6 1.6 0.7 0.2 -1.2 -0.8 1.2
2015
+0.21% 0.4 1.9 -0.3 0.6 0.3 -1.3 0.6 -1.9 -1.5 3.1 -0.2 -1.2
2014
+7.01% -0.1 2.6 0.7 0.7 1.7 0.8 -1.1 2.0 -1.4 1.4 0.5 -0.8
2013
+6.13% 0.9 0.6 1.1 1.7 -1.1 -1.9 1.8 -1.8 1.8 2.2 0.5 0.5
2012
+12.70% 3.0 2.4 0.5 0.5 -2.7 3.0 1.5 1.4 1.1 0.1 0.7 0.8
2011
+2.96% 0.7 1.3 0.6 1.7 0.3 -0.5 -0.3 -2.0 -4.6 6.0 -1.4 1.5
2010
+11.25% -0.8 2.1 2.5 1.0 -3.7 0.0 4.6 0.0 2.9 1.6 -1.3 2.1
2009
+22.37% -5.6 -10.0 6.4 9.7 5.9 1.6 6.1 0.5 4.2 -1.5 2.1 2.6
2008
-14.80% 0.9 -0.7 -1.2 2.9 0.2 -4.6 -0.7 0.4 -10.0 -8.7 -2.1 9.2
2007
+0.88% 0.4 0.5 0.7 1.3 0.7 -1.4 -1.9 1.0 1.4 1.2 -2.6 -0.5
2006
+9.18% 1.3 1.0 -0.1 0.2 -1.2 -0.1 1.0 2.0 1.2 1.6 1.4 0.6
2005
+5.23% 0.0 0.9 -1.8 0.4 2.0 0.9 0.6 0.9 -0.1 -1.2 1.7 1.0
2004
+8.41% 1.5 0.6 0.6 -2.6 -0.7 0.9 0.2 2.0 1.4 1.1 0.9 2.3
2003
+21.64% 1.5 1.2 1.4 4.3 3.3 1.2 -1.3 1.8 1.8 1.6 0.9 2.3
2002
+1.03% 0.6 0.6 0.8 0.1 -0.5 -3.0 -3.3 2.9 -2.5 1.6 3.2 0.9
2001
+8.71% 3.0 -1.2 -0.9 1.4 1.2 0.3 1.1 0.7 -3.2 2.5 3.0 0.7
2000
+3.43% -1.5 1.6 2.1 -2.0 -1.7 3.5 0.7 2.9 -1.0 -1.2 -2.0 2.1
1999
+11.02% 0.4 -0.6 2.5 3.0 -2.2 1.5 -1.0 -0.4 0.5 2.0 1.6 3.3
1998
+6.04% 0.9 2.2 2.0 0.5 -0.7 0.5 -0.1 -9.1 3.2 1.9 3.7 1.5
1997
+16.36% 2.0 1.4 -1.8 2.1 3.3 2.2 3.6 -0.7 2.7 -2.5 1.5 1.7
1996
+16.81% 2.3 -1.1 0.6 1.4 1.3 0.8 -0.4 1.8 3.4 1.5 4.2 0.1
1995
+23.17% 1.6 1.7 0.3 3.1 4.1 1.4 1.1 1.4 2.0 0.4 2.1 2.1

* Note:
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:

  • PFF - iShares Preferred and Income Securities ETF: simulated historical serie, up to December 2007
  • VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • EMB - iShares JP Morgan USD Em Mkts Bd: simulated historical serie, up to December 2007
  • HYG - iShares iBoxx $ High Yield Corporate Bond: simulated historical serie, up to December 2007
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