Data Source: from January 1995 to December 2021

Last Update: 31 December 2021

The FundAdvice Ultimate Buy&Hold Portfolio is exposed for 60% on the Stock Market.

It's a High Risk portfolio and it can be replicated with 12 ETFs.

In the last 10 years, the portfolio obtained a 7.45% compound annual return, with a 7.99% standard deviation.

In the last 25 years, a 7.46% compound annual return, with a 9.25% standard deviation.

Asset Allocation and ETFs

The FundAdvice Ultimate Buy&Hold Portfolio has the following asset allocation:

60% Stocks
40% Fixed Income
0% Commodities

The FundAdvice Ultimate Buy&Hold Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
12.00 % DLS WisdomTree International SmallCp Div Equity, Developed Markets, Small Cap, Value
6.00 % IJR iShares Core S&P Small-Cap Equity, U.S., Small Cap
6.00 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
6.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
6.00 % VTV Vanguard Value Equity, U.S., Large Cap, Value
6.00 % VEA Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
6.00 % EFV iShares MSCI EAFE Value Equity, EAFE, Large Cap, Value
6.00 % VNQ Vanguard Real Estate Real Estate, U.S.
6.00 % VV Vanguard Large-Cap Equity, U.S., Large Cap
20.00 % IEI iShares 3-7 Year Treasury Bond Bond, U.S., Intermediate-Term
12.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
8.00 % TIP iShares TIPS Bond Bond, U.S., All-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 FundAdvice Ultimate Buy&Hold Portfolio guaranteed the following returns.

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
FundAdvice Ultimate Buy&Hold Portfolio +3.23 +3.06 +1.95 +11.49 +11.11 +7.72 +7.45 +7.75 +7.46
--- Inflation Adjusted return +2.75 +0.84 -1.40 +4.08 +7.32 +4.67 +5.22 +5.32 +5.05
Components
DLS
WisdomTree International SmallCp Div
+5.39 +0.07 +0.12 +11.70 +10.44 +7.56 +8.95 +10.52 +7.85
IJR
iShares Core S&P Small-Cap
+4.50 +5.57 +2.49 +26.60 +20.05 +12.37 +14.47 +10.68 +10.37
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
IJS
iShares S&P Small-Cap 600 Value
+4.12 +4.30 +0.09 +30.53 +18.47 +10.04 +13.33 +9.82 +10.48
VTV
Vanguard Value
+6.95 +9.34 +8.31 +26.51 +17.58 +12.48 +13.74 +8.48 +8.66
VEA
Vanguard FTSE Developed Markets
+4.34 +2.70 +1.04 +11.67 +14.54 +10.12 +8.44 +6.66 +5.54
EFV
iShares MSCI EAFE Value
+5.23 +1.26 -0.52 +10.87 +7.59 +5.21 +5.57 +6.09 +5.22
VNQ
Vanguard Real Estate
+9.69 +15.03 +15.74 +40.52 +19.96 +11.22 +11.50 +10.89 +9.94
VV
Vanguard Large-Cap
+4.17 +10.38 +10.81 +27.40 +26.47 +18.72 +16.63 +9.69 +9.88
IEI
iShares 3-7 Year Treasury Bond
-0.40 -0.91 -1.01 -2.54 +3.28 +2.48 +1.84 +3.90 +4.58
SHY
iShares 1-3 Year Treasury Bond
-0.21 -0.60 -0.57 -0.72 +1.88 +1.47 +0.95 +2.17 +3.01
TIP
iShares TIPS Bond
+0.40 +2.39 +4.14 +5.67 +8.26 +5.18 +2.93 +5.18 +5.79
(*) 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

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the portfolio granted a 2.22% dividend yield. If you are interested in getting periodic income, please refer to the FundAdvice Ultimate Buy&Hold Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of FundAdvice Ultimate Buy&Hold Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
+3.23%
+2.75%
0.00%
1 - 0
3M
+3.06%
+0.84%
-2.29%
Nov 2021 - Nov 2021
2 - 1
6M
+1.95%
-1.40%
-2.60%
Sep 2021 - Nov 2021
4 - 2
YTD
+11.49%
+4.08%
6.01%
-2.60%
Sep 2021 - Nov 2021
9 - 3
75% pos
1Y
+11.49%
+4.08%
6.01%
-2.60%
Sep 2021 - Nov 2021
9 - 3
75% pos
3Y
+11.11%
annualized
+7.32%
annualized
10.42%
-15.07%
Jan 2020 - Mar 2020
25 - 11
69% pos
5Y
+7.72%
annualized
+4.67%
annualized
9.01%
-15.07%
Jan 2020 - Mar 2020
44 - 16
73% pos
10Y
+7.45%
annualized
+5.22%
annualized
7.99%
-15.07%
Jan 2020 - Mar 2020
83 - 37
69% pos
20Y
+7.75%
annualized
+5.32%
annualized
9.39%
-34.23%
Nov 2007 - Feb 2009
161 - 79
67% pos
25Y
+7.46%
annualized
+5.05%
annualized
9.25%
-34.23%
Nov 2007 - Feb 2009
194 - 106
65% pos
MAX
01 Jan 1995
+7.90%
annualized
+5.43%
annualized
9.00%
-34.23%
Nov 2007 - Feb 2009
213 - 111
66% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the FundAdvice Ultimate Buy&Hold Portfolio actually efficient, compared to other Lazy Portfolios?

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Simple Path to Wealth
JL Collins
+8.96% -38.54% 75 25 0 Compare
Yale Endowment
David Swensen
+8.94% -39.46% 70 30 0 Compare
Talmud Portfolio
Roger Gibson
+8.80% -40.18% 66.67 33.33 0 Compare
Late Sixties and Beyond
Burton Malkiel
+8.63% -41.80% 71 29 0 Compare
Lazy Portfolio
David Swensen
+8.41% -40.88% 70 30 0 Compare

See all portfolios

Our overall ratings, assigned to the FundAdvice Ultimate Buy&Hold Portfolio. The portfolio is classified as High 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%
High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+7.46%
(+5.05%)
Average : 2.4 / 5
Good : 3.2 / 5
Standard Deviation
over 25 Years
9.25%
Good : 3.8 / 5
Good : 3.5 / 5
Maximum Drawdown
over 25 Years
-34.23%
Good : 3.3 / 5
Average : 2.9 / 5
Easy to manage 12 ETFs
Poor : 1 / 5
Poor : 1 / 5
Rating assigned considering all the High Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 6039.46$, with a total return of 503.95% (7.46% annualized).

The Inflation Adjusted Capital now would be 3429.35$, with a net total return of 242.94% (5.05% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-34.23% Nov 2007 Feb 2009 16 Oct 2010 20 36
-15.07% Jan 2020 Mar 2020 3 Nov 2020 8 11
-11.43% May 2011 Sep 2011 5 Mar 2012 6 11
-10.85% May 1998 Aug 1998 4 Apr 1999 8 12
-8.84% Jun 2002 Sep 2002 4 May 2003 8 12
-8.59% Feb 2018 Dec 2018 11 Apr 2019 4 15
-7.07% Feb 2001 Sep 2001 8 Mar 2002 6 14
-6.96% May 2015 Feb 2016 10 Jul 2016 5 15
-5.29% Apr 2012 May 2012 2 Sep 2012 4 6
-4.14% Apr 2004 Apr 2004 1 Sep 2004 5 6
-3.64% Sep 2000 Nov 2000 3 Dec 2000 1 4
-3.32% Sep 2014 Sep 2014 1 Feb 2015 5 6
-3.25% May 2019 May 2019 1 Jun 2019 1 2
-3.12% Oct 1997 Nov 1997 2 Feb 1998 3 5
-3.12% May 2013 Jun 2013 2 Jul 2013 1 3
-2.97% Aug 1997 Aug 1997 1 Sep 1997 1 2
-2.84% May 2006 May 2006 1 Aug 2006 3 4
-2.60% Sep 2021 Nov 2021 3 Dec 2021 1 4
-2.42% Apr 2000 May 2000 2 Jun 2000 1 3
-2.39% Jun 2007 Jul 2007 2 Sep 2007 2 4

Rolling Returns ( more details)

FundAdvice Ultimate Buy&Hold Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+8.22% +39.16%
Mar 2009 - Feb 2010
-29.49%
Mar 2008 - Feb 2009
16.29%
2 Years
+7.61% +27.26%
Mar 2009 - Feb 2011
-15.21%
Mar 2007 - Feb 2009
8.64%
3 Years
+7.44% +21.10%
Apr 2003 - Mar 2006
-6.63%
Mar 2006 - Feb 2009
4.15%
5 Years
+7.43% +16.61%
Nov 2002 - Oct 2007
+0.71%
Mar 2004 - Feb 2009
0.00%
7 Years
+7.43% +11.75%
Nov 2000 - Oct 2007
+3.38%
Apr 2013 - Mar 2020
0.00%
10 Years
+7.61% +10.48%
May 1997 - Apr 2007
+4.78%
Apr 2010 - Mar 2020
0.00%
15 Years
+7.45% +8.93%
Feb 2003 - Jan 2018
+5.25%
Apr 2005 - Mar 2020
0.00%
20 Years
+7.42% +8.45%
Mar 1995 - Feb 2015
+6.20%
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 FundAdvice Ultimate Buy&Hold Portfolio: Rolling Returns page.

Seasonality

FundAdvice Ultimate Buy&Hold 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 %
0.34
56%
0.30
63%
0.88
78%
1.72
85%
0.39
63%
0.42
56%
0.65
56%
0.01
63%
0.24
59%
0.51
63%
1.06
70%
1.52
78%
Best
Year
5.6
2019
4.3
1998
5.9
2009
8.0
2009
5.6
2003
3.6
2019
6.0
2009
3.5
2009
5.7
2010
6.3
2011
7.4
2020
4.7
2008
Worst
Year
-7.7
2009
-7.1
2009
-9.9
2020
-4.1
2004
-5.4
2010
-5.3
2008
-4.6
2002
-7.9
1998
-5.9
2011
-12.0
2008
-3.6
2008
-4.2
2018
Statistics calculated for the period Jan 1995 - Dec 2021

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

Monthly/Yearly Returns

FundAdvice Ultimate Buy&Hold Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
213 Positive Months (66%) - 111 Negative Months (34%)
Jan 1995 - Dec 2021
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
2021
+11.49 +4.08 0.6 2.4 2.2 2.2 1.7 -0.1 0.2 1.2 -2.4 2.2 -2.3 3.2
2020
+5.84 +4.48 -1.4 -4.4 -9.9 5.2 2.3 1.6 2.3 2.6 -1.5 -0.9 7.4 3.4
2019
+16.24 +13.67 5.6 1.3 0.5 1.8 -3.3 3.6 -0.4 -0.9 1.9 1.9 1.1 2.3
2018
-6.85 -8.61 1.9 -3.1 0.2 0.1 0.7 -0.3 1.4 0.5 -0.6 -4.8 1.4 -4.2
2017
+13.54 +11.20 1.5 1.4 0.7 1.2 0.8 0.8 1.8 0.1 1.7 0.8 1.0 1.0
2016
+8.37 +6.19 -2.6 -0.2 5.2 0.6 0.2 0.5 2.9 0.0 0.8 -1.7 0.9 1.6
2015
-0.60 -1.23 0.3 2.6 -0.1 1.1 0.0 -1.5 0.3 -3.8 -1.5 3.6 0.0 -1.3
2014
+3.11 +2.44 -1.5 3.0 0.4 0.4 1.3 1.1 -1.3 1.6 -3.3 2.0 0.2 -0.6
2013
+13.47 +11.78 2.5 0.3 1.5 2.1 -1.3 -1.9 3.2 -1.8 4.3 2.6 0.7 0.8
2012
+12.20 +10.26 4.3 1.9 0.8 -0.4 -4.9 2.9 0.4 1.7 1.7 -0.2 1.0 2.6
2011
-0.58 -3.53 0.9 1.9 0.2 3.0 -0.8 -1.0 -0.5 -3.7 -5.9 6.3 -0.7 0.1
2010
+12.72 +11.12 -1.8 1.4 4.1 1.7 -5.4 -1.8 5.3 -2.0 5.7 2.7 -1.5 4.4
2009
+19.90 +16.61 -7.7 -7.1 5.9 8.0 5.3 -0.4 6.0 3.5 3.7 -2.1 3.4 1.3
2008
-20.06 -20.05 -2.3 -0.4 0.6 2.0 0.7 -5.3 -0.5 0.2 -5.0 -12.0 -3.6 4.7
2007
+6.31 +2.11 1.3 0.1 1.4 2.2 1.5 -1.0 -1.4 0.8 2.6 2.9 -2.6 -1.5
2006
+16.25 +13.39 4.2 -0.1 1.9 1.5 -2.8 0.2 0.7 2.0 0.9 3.1 2.6 1.1
2005
+9.65 +6.10 -0.9 2.2 -1.6 -0.6 1.6 1.7 2.4 1.0 1.3 -2.1 2.3 2.1
2004
+16.13 +12.37 2.2 2.0 1.4 -4.1 0.9 2.2 -1.7 1.7 1.8 2.0 4.1 2.9
2003
+28.61 +26.05 -1.4 -0.3 -0.5 5.2 5.6 1.9 1.4 2.5 1.9 4.0 1.3 4.0
2002
-0.14 -2.55 -0.3 1.0 2.8 1.5 1.0 -1.8 -4.6 1.1 -3.7 0.9 2.3 -0.1
2001
+0.49 -1.09 2.9 -2.3 -2.8 3.7 0.6 -0.2 -0.4 -0.1 -5.6 2.1 1.9 1.0
2000
+4.94 +1.46 -2.3 1.1 2.8 -1.8 -0.6 3.5 -0.3 2.3 -1.1 -1.2 -1.3 4.2
1999
+11.76 +8.85 0.0 -2.7 2.7 5.4 -1.2 3.0 -0.3 -0.6 -0.4 0.8 1.1 3.5
1998
+6.47 +4.79 1.3 4.3 2.4 0.0 -1.3 -0.3 -1.6 -7.9 2.5 3.6 2.7 1.3
1997
+8.09 +6.29 0.6 0.4 -1.7 0.8 4.4 2.9 2.7 -3.0 3.4 -2.7 -0.4 0.7
1996
+9.91 +6.32 1.7 -0.2 0.6 1.7 0.8 0.1 -2.7 1.2 2.2 1.0 3.4 -0.1
1995
+17.23 +14.33 -0.3 1.5 2.0 2.0 2.7 0.8 2.3 0.1 1.2 -1.1 2.3 2.7

* 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:

  • DLS - WisdomTree International SmallCp Div: simulated historical serie, up to December 2006
  • IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
  • VTV - Vanguard Value: simulated historical serie, up to December 2004
  • VEA - Vanguard FTSE Developed Markets: simulated historical serie, up to December 2007
  • EFV - iShares MSCI EAFE Value: simulated historical serie, up to December 2005
  • VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
  • VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
  • IEI - iShares 3-7 Year Treasury Bond: simulated historical serie, up to December 2007
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • TIP - iShares TIPS Bond: simulated historical serie, up to December 2003
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