Data Source: from January 1994 to September 2021

Last Update: 30 September 2021

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

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

In the last 10 years, the portfolio obtained a 8.59% compound annual return, with a 7.72% standard deviation.

In the last 25 years, a 7.42% compound annual return, with a 9.34% standard deviation.

In 2020, the portfolio granted a 3.17% dividend yield. If you are interested in getting periodic income, please refer to the Dynamic 60/40 Income Portfolio: Dividend Yield page.

Asset Allocation and ETFs

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

60% Stocks
40% Fixed Income
0% Commodities

The Dynamic 60/40 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 % VNQ Vanguard Real Estate Real Estate, U.S.
20.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short 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 60/40 Income Portfolio guaranteed the following returns.

DYNAMIC 60/40 INCOME PORTFOLIO RETURNS (%)
Last Update: 30 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Dynamic 60/40 Income Portfolio -2.58 +0.17 +5.39 +16.87 +8.80 +7.38 +8.59 +7.23 +7.42
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
VNQ
Vanguard Real Estate
-5.68 +0.62 +12.29 +33.49 +11.96 +7.52 +11.52 +10.37 +10.07
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
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 60/40 Income Portfolio: Dividend Yield page.

Historical Returns

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

DYNAMIC 60/40 INCOME PORTFOLIO
Last Update: 30 September 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-2.58%
-2.58%
Sep 2021 - Sep 2021
0 - 1
3M
+0.17%
-2.58%
Sep 2021 - Sep 2021
2 - 1
6M
+5.39%
-2.58%
Sep 2021 - Sep 2021
5 - 1
YTD
+8.84%
-2.58%
Sep 2021 - Sep 2021
7 - 2
1Y
+16.87%
7.10%
-2.58%
Sep 2021 - Sep 2021
9 - 3
3Y
+8.80%
annualized
10.68%
-14.25%
Feb 2020 - Mar 2020
27 - 9
5Y
+7.38%
annualized
8.62%
-14.25%
Feb 2020 - Mar 2020
45 - 15
10Y
+8.59%
annualized
7.72%
-14.25%
Feb 2020 - Mar 2020
87 - 33
20Y
+7.23%
annualized
9.98%
-41.44%
Jun 2007 - Feb 2009
167 - 73
25Y
+7.42%
annualized
9.34%
-41.44%
Jun 2007 - Feb 2009
206 - 94
MAX
01 Jan 1994
+7.55%
annualized
9.00%
-41.44%
Jun 2007 - Feb 2009
229 - 104
* Annualized St.Dev. of monthly returns

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Yale Endowment
David Swensen
+8.94% -39.46% 70 30 0 Compare
Simple Path to Wealth
JL Collins
+8.92% -38.54% 75 25 0 Compare
Talmud Portfolio
Roger Gibson
+8.85% -40.18% 66.67 33.33 0 Compare
Late Sixties and Beyond
Burton Malkiel
+8.64% -41.80% 71 29 0 Compare
Lazy Portfolio
David Swensen
+8.43% -40.88% 70 30 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+8.20% +57.27%
Mar 2009 - Feb 2010
-36.55%
Mar 2008 - Feb 2009
11.49%
2 Years
+7.80% +36.22%
Mar 2009 - Feb 2011
-22.81%
Mar 2007 - Feb 2009
6.45%
3 Years
+7.58% +24.89%
Mar 2009 - Feb 2012
-12.45%
Mar 2006 - Feb 2009
7.38%
5 Years
+7.25% +18.49%
Mar 2009 - Feb 2014
-4.51%
Mar 2004 - Feb 2009
1.82%
7 Years
+7.14% +13.85%
Mar 2009 - Feb 2016
-0.10%
Mar 2002 - Feb 2009
0.40%
10 Years
+7.13% +11.81%
Mar 2009 - Feb 2019
+1.60%
Mar 1999 - Feb 2009
0.00%
15 Years
+6.77% +7.95%
May 1995 - Apr 2010
+4.43%
Mar 1994 - Feb 2009
0.00%
20 Years
+7.13% +8.51%
Dec 1994 - Nov 2014
+5.95%
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 60/40 Income Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Dynamic 60/40 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 %
0.69
75%
0.04
71%
0.65
75%
1.63
75%
0.58
64%
0.46
71%
1.04
68%
0.37
68%
-0.10
50%
0.22
56%
0.64
67%
1.50
85%
Best
Year
6.3
2019
2.9
2010
6.2
2009
13.5
2009
5.9
2009
3.3
2012
7.5
2009
2.7
2004
4.5
2009
7.8
2011
5.8
2020
8.3
2008
Worst
Year
-7.7
2009
-12.7
2009
-10.6
2020
-4.3
2004
-4.4
2010
-6.4
2008
-3.2
2007
-5.4
1998
-8.5
2008
-11.8
2008
-8.0
2008
-4.1
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 Dynamic 60/40 Income Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+8.84% -0.5 1.1 2.7 3.1 0.4 1.6 1.5 1.3 -2.6
2020
+6.26% 0.6 -4.1 -10.6 6.9 2.3 0.6 3.8 1.9 -1.5 -0.9 5.8 2.5
2019
+18.59% 6.3 1.3 1.8 1.1 -1.6 2.7 1.0 0.8 1.0 0.8 0.5 1.5
2018
-3.28% -0.1 -2.4 0.4 0.2 1.5 1.3 1.2 1.7 -0.8 -3.0 0.9 -4.1
2017
+8.11% 1.0 2.2 -0.4 0.7 0.4 0.8 1.0 0.0 0.5 0.2 1.2 0.2
2016
+7.39% -2.2 0.3 4.5 0.5 1.1 2.2 2.2 -0.4 -0.3 -2.0 -0.2 1.8
2015
+0.49% 1.4 0.9 0.0 -0.9 0.3 -1.8 1.6 -2.9 -0.7 3.7 -0.4 -0.5
2014
+11.87% 0.9 2.9 0.5 1.2 1.5 1.0 -1.0 2.3 -2.3 3.1 1.0 0.2
2013
+8.15% 2.2 0.8 1.8 2.4 -1.4 -1.5 1.9 -2.8 1.9 2.6 -0.3 0.5
2012
+12.84% 4.0 1.6 1.5 0.8 -3.1 3.3 1.2 1.1 0.4 -0.2 0.4 1.4
2011
+3.16% 1.6 2.3 -0.1 2.5 0.3 -1.3 -0.4 -3.3 -5.8 7.8 -2.0 2.1
2010
+14.75% -1.8 2.9 4.0 2.4 -4.4 -1.6 5.8 -0.8 3.5 2.2 -0.7 2.9
2009
+25.31% -7.7 -12.7 6.2 13.5 5.9 0.8 7.5 2.5 4.5 -2.3 3.2 4.0
2008
-21.78% 0.5 -1.3 0.1 4.0 0.1 -6.4 -0.2 0.7 -8.5 -11.8 -8.0 8.3
2007
-3.54% 2.4 -0.4 0.0 1.1 0.7 -2.8 -3.2 2.1 1.5 1.3 -4.3 -1.6
2006
+14.28% 2.6 0.9 1.3 -0.6 -1.3 0.9 1.2 2.3 1.5 2.6 2.2 0.0
2005
+5.27% -1.9 1.3 -1.5 1.1 2.1 1.4 2.1 -0.5 -0.2 -1.4 2.2 0.5
2004
+12.11% 2.1 1.1 1.2 -4.3 0.8 1.1 -0.2 2.7 1.0 1.9 1.6 2.7
2003
+22.26% 0.5 0.7 1.0 3.7 3.5 1.7 0.6 1.3 1.7 1.8 1.4 2.3
2002
-0.78% 0.0 0.0 2.0 -0.1 0.0 -0.9 -3.1 1.3 -2.4 -1.2 3.4 0.2
2001
+5.55% 2.2 -1.4 -1.0 1.8 1.1 0.9 0.5 0.4 -3.3 0.9 3.0 0.5
2000
+5.79% -0.9 0.1 2.2 -0.2 -1.1 3.1 2.2 1.2 -0.1 -1.9 -1.7 2.9
1999
+4.89% 0.6 -1.2 1.1 3.1 -0.4 0.5 -1.5 -0.6 -1.3 0.9 0.7 2.9
1998
+5.13% 0.6 1.4 1.9 -0.2 -0.2 1.2 -1.7 -5.4 2.9 0.7 2.6 1.4
1997
+16.74% 1.4 0.7 -0.9 0.7 3.0 2.6 3.4 -0.8 3.8 -0.9 1.3 1.5
1996
+16.21% 1.1 0.4 0.3 0.5 1.5 0.5 -0.8 1.8 2.3 1.7 3.8 2.1
1995
+20.42% 0.9 2.6 1.0 1.6 3.5 1.5 1.4 1.1 1.8 -0.1 1.8 1.9
1994
-3.20% 1.8 -0.8 -3.0 -0.7 -0.1 -0.8 1.1 1.5 -1.4 -0.6 -2.2 2.0

* 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
  • VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • HYG - iShares iBoxx $ High Yield Corporate Bond: simulated historical serie, up to December 2007
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