Data Source: from January 1992 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.61%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.29%
Current Month
July 2022

The Dynamic 40/60 Income Portfolio is a Medium Risk portfolio and can be implemented with 5 ETFs.

It's exposed for 40% on the Stock Market.

In the last 30 Years, the Dynamic 40/60 Income Portfolio obtained a 7.20% compound annual return, with a 7.79% standard deviation.

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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1992.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
DYNAMIC 40/60 INCOME PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Dynamic 40/60 Income Portfolio -0.61 0.29 -5.30 -14.69 -12.54 2.75 4.56 7.20
US Inflation Adjusted return -5.30 -18.01 -18.69 -0.82 2.05 4.62
Components
PFF
iShares Preferred and Income Securities ETF
-0.79 01:59PM
Jul 05 2022
0.04 -4.98 -15.10 -12.71 1.61 3.92 6.23
VTI
Vanguard Total Stock Market
-0.84 01:59PM
Jul 05 2022
0.21 -8.23 -21.32 -14.17 10.53 12.52 9.81
SHY
iShares 1-3 Year Treasury Bond
0.01 01:59PM
Jul 05 2022
0.31 -0.59 -2.99 -3.55 0.78 0.65 3.26
EMB
iShares JP Morgan USD Em Mkts Bd
-0.95 02:00PM
Jul 05 2022
0.44 -6.15 -20.28 -20.94 -1.34 1.59 9.35
HYG
iShares iBoxx $ High Yield Corporate Bond
-0.51 02:00PM
Jul 05 2022
0.44 -7.05 -13.77 -12.80 1.21 3.17 5.70
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Portfolio Dividends

In 2021, the Dynamic 40/60 Income Portfolio granted a 2.85% dividend yield. If you are interested in getting periodic income, please refer to the Dynamic 40/60 Income Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Dynamic 40/60 Income Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

DYNAMIC 40/60 INCOME PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1992 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Jun 2022
-5.30
-5.30
-5.30
Jun 2022 - Jun 2022
0 - 1
3M
-9.36
-10.53
-9.36
Apr 2022 - Jun 2022
1 - 2
6M
-14.69
-18.01
-14.69
Jan 2022 - Jun 2022
1 - 5
YTD
-14.69
-18.01
-14.69
Jan 2022 - Jun 2022
1 - 5
1Y
-12.54
-18.69
8.77
-14.69
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
1.12
-3.24
10.11
-14.69
Jan 2022 - Jun 2022
23 - 13
64% pos
5Y(*)
2.75
-0.82
8.54
-14.69
Jan 2022 - Jun 2022
40 - 20
67% pos
10Y(*)
4.56
2.05
6.74
-14.69
Jan 2022 - Jun 2022
84 - 36
70% pos
15Y(*)
4.59
2.24
9.29
-29.84
Nov 2007 - Feb 2009
121 - 59
67% pos
20Y(*)
5.85
3.32
8.42
-29.84
Nov 2007 - Feb 2009
168 - 72
70% pos
25Y(*)
6.04
3.53
8.23
-29.84
Nov 2007 - Feb 2009
208 - 92
69% pos
30Y(*)
7.20
4.62
7.79
-29.84
Nov 2007 - Feb 2009
256 - 104
71% pos
MAX(*)
01 Jan 1992
7.29
4.69
7.74
-29.84
Nov 2007 - Feb 2009
261 - 105
71% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 8062.07$, with a total return of 706.21% (7.20% annualized).

The Inflation Adjusted Capital now would be 3875.12$, with a net total return of 287.51% (4.62% annualized).
An investment of 1000$, since January 1992, now would be worth 8541.66$, with a total return of 754.17% (7.29% annualized).

The Inflation Adjusted Capital now would be 4049.96$, with a net total return of 305.00% (4.69% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-29.84% Nov 2007 Feb 2009 16 Dec 2009 10 26
-14.69% Jan 2022 Jun 2022 6 in progress 6
-12.42% Feb 2020 Mar 2020 2 Jul 2020 4 6
-9.38% May 1998 Aug 1998 4 Dec 1998 4 8
-7.19% Jun 2011 Sep 2011 4 Jan 2012 4 8
-6.73% May 2002 Jul 2002 3 Jan 2003 6 9
-5.36% Feb 1994 Jun 1994 5 Apr 1995 10 15
-5.09% Oct 2018 Dec 2018 3 Feb 2019 2 5
-4.13% Sep 2000 Nov 2000 3 Jan 2001 2 5
-4.06% Jun 2015 Sep 2015 4 Apr 2016 7 11
-3.72% May 2010 May 2010 1 Jul 2010 2 3
-3.69% Apr 2000 May 2000 2 Jul 2000 2 4
-3.31% Apr 2004 May 2004 2 Sep 2004 4 6
-3.24% Sep 2001 Sep 2001 1 Nov 2001 2 3
-3.23% Jun 2007 Jul 2007 2 Oct 2007 3 5
-3.06% May 2013 Aug 2013 4 Oct 2013 2 6
-2.72% May 2012 May 2012 1 Jun 2012 1 2
-2.49% Oct 1997 Oct 1997 1 Dec 1997 2 3
-2.15% May 1999 May 1999 1 Oct 1999 5 6
-2.09% Feb 2001 Mar 2001 2 May 2001 2 4
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-29.84% Nov 2007 Feb 2009 16 Dec 2009 10 26
-14.69% Jan 2022 Jun 2022 6 in progress 6
-12.42% Feb 2020 Mar 2020 2 Jul 2020 4 6
-9.38% May 1998 Aug 1998 4 Dec 1998 4 8
-7.19% Jun 2011 Sep 2011 4 Jan 2012 4 8
-6.73% May 2002 Jul 2002 3 Jan 2003 6 9
-5.36% Feb 1994 Jun 1994 5 Apr 1995 10 15
-5.09% Oct 2018 Dec 2018 3 Feb 2019 2 5
-4.13% Sep 2000 Nov 2000 3 Jan 2001 2 5
-4.06% Jun 2015 Sep 2015 4 Apr 2016 7 11
-3.72% May 2010 May 2010 1 Jul 2010 2 3
-3.69% Apr 2000 May 2000 2 Jul 2000 2 4
-3.31% Apr 2004 May 2004 2 Sep 2004 4 6
-3.24% Sep 2001 Sep 2001 1 Nov 2001 2 3
-3.23% Jun 2007 Jul 2007 2 Oct 2007 3 5
-3.06% May 2013 Aug 2013 4 Oct 2013 2 6
-2.72% May 2012 May 2012 1 Jun 2012 1 2
-2.49% Oct 1997 Oct 1997 1 Dec 1997 2 3
-2.15% May 1999 May 1999 1 Oct 1999 5 6
-2.09% Feb 2001 Mar 2001 2 May 2001 2 4

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
8.04 45.82
Mar 2009 - Feb 2010
-27.71
Mar 2008 - Feb 2009
10.70%
2 Years
7.81 27.87
Mar 2009 - Feb 2011
-14.95
Mar 2007 - Feb 2009
4.37%
3 Years
7.74 20.25
Mar 2009 - Feb 2012
-7.96
Mar 2006 - Feb 2009
3.02%
5 Years
7.66 15.13
Mar 2009 - Feb 2014
-2.29
Mar 2004 - Feb 2009
0.98%
7 Years
7.45 12.44
May 1992 - Apr 1999
1.44
Mar 2002 - Feb 2009
0.00%
10 Years
7.35 11.43
Jan 1995 - Dec 2004
3.40
Mar 1999 - Feb 2009
0.00%
15 Years
7.08 10.14
Jan 1992 - Dec 2006
4.59
Jul 2007 - Jun 2022
0.00%
20 Years
7.32 8.70
Apr 1992 - Mar 2012
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

Dynamic 40/60 Income Portfolio: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
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 %
0.61
74%
0.25
68%
0.36
65%
1.24
84%
0.57
65%
0.29
71%
0.90
70%
0.48
77%
0.05
63%
0.47
70%
0.71
63%
1.43
87%
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
5.9
2011
4.8
2020
9.2
2008
Worst
Year
-5.6
2009
-10.0
2009
-9.8
2020
-5.3
2022
-3.7
2010
-5.3
2022
-3.3
2002
-9.1
1998
-10.0
2008
-8.7
2008
-2.6
2007
-2.1
2018
Statistics calculated for the period Jan 1992 - Jun 2022

Monthly/Yearly Returns

Dynamic 40/60 Income Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
261 Positive Months (71%) - 105 Negative Months (29%)
Jan 1992 - Jun 2022
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
2022
-14.69 -18.01 -3.5 -2.5 -0.1 -5.3 1.1 -5.3
2021
+6.72 -0.35 -0.8 -0.2 1.5 1.9 0.5 1.3 0.7 1.0 -1.8 1.8 -1.3 2.3
2020
+8.28 +6.91 0.6 -2.9 -9.8 6.1 3.2 0.7 3.9 1.9 -1.4 -0.5 4.8 2.3
2019
+15.91 +13.34 4.8 1.2 1.3 1.2 -1.5 3.2 0.8 0.3 0.4 0.7 0.6 2.0
2018
-3.18 -4.99 0.6 -1.4 -0.2 -0.4 0.6 0.2 1.5 0.8 0.1 -2.9 -0.1 -2.1
2017
+9.18 +6.91 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 +5.36 -1.5 0.7 3.0 1.3 0.6 1.6 1.6 0.7 0.2 -1.2 -0.8 1.2
2015
+0.21 -0.42 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 +6.31 -0.1 2.6 0.7 0.7 1.6 0.8 -1.1 2.0 -1.4 1.4 0.5 -0.8
2013
+6.13 +4.55 0.9 0.6 1.1 1.7 -1.1 -1.9 1.8 -1.8 1.8 2.1 0.5 0.5
2012
+12.70 +10.75 3.0 2.4 0.4 0.5 -2.7 3.0 1.5 1.4 1.1 0.1 0.7 0.8
2011
+2.96 -0.09 0.7 1.3 0.6 1.7 0.3 -0.5 -0.3 -2.0 -4.6 5.9 -1.4 1.5
2010
+11.25 +9.67 -0.8 2.1 2.5 1.0 -3.7 0.0 4.6 0.0 2.9 1.6 -1.2 2.1
2009
+22.37 +19.03 -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 -14.78 0.9 -0.7 -1.2 2.9 0.1 -4.6 -0.7 0.4 -10.0 -8.7 -2.1 9.2
2007
+0.88 -3.10 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 +6.49 1.3 0.9 -0.1 0.2 -1.2 -0.1 1.0 2.0 1.2 1.6 1.4 0.6
2005
+5.23 +1.83 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 +4.90 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 +19.21 1.5 1.2 1.4 4.2 3.3 1.2 -1.3 1.8 1.8 1.6 0.9 2.3
2002
+1.03 -1.41 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 +7.00 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 -0.00 -1.5 1.6 2.0 -2.0 -1.7 3.5 0.7 2.9 -1.0 -1.2 -2.0 2.1
1999
+11.02 +8.12 0.4 -0.6 2.5 3.0 -2.1 1.5 -1.0 -0.4 0.5 2.0 1.6 3.3
1998
+6.04 +4.36 0.9 2.2 2.0 0.5 -0.7 0.5 -0.1 -9.1 3.2 1.8 3.7 1.5
1997
+16.36 +14.42 2.0 1.4 -1.8 2.1 3.3 2.2 3.6 -0.6 2.7 -2.5 1.5 1.7
1996
+16.81 +12.99 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 +20.13 1.6 1.7 0.2 3.1 4.1 1.4 1.1 1.4 2.0 0.4 2.1 2.1
1994
-3.19 -5.64 1.5 -1.4 -2.5 -0.7 -0.2 -0.6 1.2 1.2 -0.8 0.3 -1.4 0.3
1993
+14.73 +11.59 1.9 1.9 1.4 0.3 0.9 1.7 0.9 1.9 0.4 1.7 -0.6 1.6
1992
+12.95 +9.70 1.0 1.5 -0.2 1.1 2.2 0.3 2.7 0.5 0.8 -0.7 1.3 1.9

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

Portfolio efficiency

Is the Dynamic 40/60 Income Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Dynamic 40/60 Income Portfolio is classified as Medium 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%
Medium Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+6.04%
(+3.53%)
Poor : 1 / 5
Average : 2.2 / 5
Standard Deviation
over 25 Years
8.23%
Poor : 1 / 5
Good : 3.8 / 5
Maximum Drawdown
over 25 Years
-29.84%
Bad : 1 / 5
Good : 3.2 / 5
Easy to manage 5 ETFs
Average : 3 / 5
Average : 3 / 5
Rating assigned considering all the Medium Risk Portfolios Rating assigned considering all the Portfolios in the database

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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