Last Update: 31 December 2020

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 6.54% compound annual return, with a 6.63% 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: 31 December 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Dynamic 40/60 Income Portfolio +2.35 +6.79 +11.51 +8.28 +6.71 +7.37 +6.54
Components
PFF - iShares Preferred and Income Securities ETF +2.63 +7.14 +14.29 +7.44 +5.90 +5.40 +5.91
VTI - Vanguard Total Stock Market +4.68 +14.75 +25.36 +21.03 +14.45 +15.44 +13.77
SHY - iShares 1-3 Year Treasury Bond +0.04 +0.02 +0.09 +3.03 +2.62 +1.79 +1.17
EMB - iShares JP Morgan USD Em Mkts Bd +2.15 +5.98 +8.55 +5.42 +4.79 +6.76 +5.60
HYG - iShares iBoxx $ High Yield Corporate Bond +1.96 +5.80 +10.09 +4.48 +5.31 +7.03 +5.54
(*) 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: 31 December 2020
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Period Returns
Dec 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+2.35%
0.00%
1 - 0
3M
+6.79%
-0.47%
Oct 2020 - Oct 2020
2 - 1
6M
+11.51%
-1.85%
Sep 2020 - Oct 2020
4 - 2
YTD
+8.28%
13.98%
-12.42%
Feb 2020 - Mar 2020
8 - 4
1Y
+8.28%
13.98%
-12.42%
Feb 2020 - Mar 2020
8 - 4
3Y
+6.71%
annualized
9.22%
-12.42%
Feb 2020 - Mar 2020
25 - 11
5Y
+7.37%
annualized
7.43%
-12.42%
Feb 2020 - Mar 2020
46 - 14
10Y
+6.54%
annualized
6.63%
-12.42%
Feb 2020 - Mar 2020
87 - 33
MAX
01 Jan 2008
+6.20%
annualized
9.47%
-29.06%
Jun 2008 - Feb 2009
109 - 47

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ Stocks Bonds Comm.
Couch Potato
Scott Burns		 +8.93% 50 50 0 Compare
Stocks/Bonds 40/60
 +7.90% 40 60 0 Compare
All Weather Portfolio
Ray Dalio		 +7.77% 30 55 15 Compare
Robo Advisor 50
Betterment		 +6.98% 49.9 50.1 0 Compare
Edge Select Moderately Conservative
Merrill Lynch		 +6.93% 37 63 0 Compare

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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
 +6.80% +45.82%
Mar 2009 - Feb 2010 		-27.71%
Mar 2008 - Feb 2009 		12.41%
2 Years
 +7.17% +27.87%
Mar 2009 - Feb 2011 		-0.13%
Apr 2018 - Mar 2020 		0.75%
3 Years
 +6.94% +20.25%
Mar 2009 - Feb 2012 		+1.42%
Apr 2017 - Mar 2020 		0.00%
5 Years
 +6.76% +15.13%
Mar 2009 - Feb 2014 		+2.67%
Apr 2015 - Mar 2020 		0.00%
7 Years
 +6.69% +11.17%
Mar 2009 - Feb 2016 		+3.68%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +6.90% +9.82%
Mar 2009 - Feb 2019 		+5.09%
Apr 2010 - 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

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.4 0.0 0.4 2.2 0.3 0.2 1.6 0.2 -0.6 0.0 0.3 1.4
Best 4.8
2019 		2.6
2014 		6.4
2009 		9.7
2009 		5.9
2009 		3.2
2019 		6.1
2009 		2.0
2014 		4.2
2009 		6.0
2011 		4.8
2020 		9.2
2008
Worst -5.6
2009 		-10.0
2009 		-9.8
2020 		-0.4
2018 		-3.7
2010 		-4.6
2008 		-1.1
2014 		-2.0
2011 		-10.0
2008 		-8.7
2008 		-2.1
2008 		-2.1
2018
Gain
Frequency		 69 69 69 92 69 69 77 69 62 62 54 77

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
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
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