Data Source: from January 1992 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 04:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.67%
1 Day
Jul 05 2022, 04:00PM Eastern Time
0.03%
Current Month
July 2022

The FundAdvice Ultimate Buy&Hold Portfolio is a High Risk portfolio and can be implemented with 12 ETFs.

It's exposed for 60% on the Stock Market.

In the last 30 Years, the FundAdvice Ultimate Buy&Hold Portfolio obtained a 7.43% compound annual return, with a 8.92% 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 implemented 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.

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.
FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 04:00PM 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(*)
FundAdvice Ultimate Buy&Hold Portfolio -0.67 0.03 -5.24 -12.58 -10.88 3.56 5.54 7.43
US Inflation Adjusted return -5.24 -15.99 -17.15 -0.05 3.01 4.83
Components
DLS
WisdomTree International SmallCp Div 		-1.97 03:59PM
Jul 05 2022 		-1.73 -7.84 -18.35 -18.26 -0.02 6.32 6.96
IJR
iShares Core S&P Small-Cap 		0.09 04:00PM
Jul 05 2022 		1.03 -8.48 -18.93 -16.91 7.20 11.24 10.52
EEM
iShares MSCI Emerging Markets 		-0.78 03:59PM
Jul 05 2022 		-1.40 -5.14 -17.20 -25.55 1.56 2.33 6.09
IJS
iShares S&P Small-Cap 600 Value 		-0.53 03:59PM
Jul 05 2022 		0.56 -8.96 -14.31 -14.23 6.57 10.79 11.03
VTV
Vanguard Value 		-1.10 03:59PM
Jul 05 2022 		-0.11 -7.89 -9.29 -1.75 9.23 11.77 9.47
VEA
Vanguard FTSE Developed Markets 		-2.16 03:59PM
Jul 05 2022 		-1.95 -9.19 -18.92 -18.07 2.71 5.87 5.27
EFV
iShares MSCI EAFE Value 		-2.87 03:59PM
Jul 05 2022 		-2.56 -9.59 -11.33 -11.79 0.42 4.05 5.30
VNQ
Vanguard Real Estate 		-0.26 03:59PM
Jul 05 2022 		1.53 -7.46 -20.54 -8.02 5.69 7.49 9.57
VV
Vanguard Large-Cap 		0.37 03:59PM
Jul 05 2022 		1.44 -8.26 -21.46 -12.97 11.11 12.82 9.87
IEI
iShares 3-7 Year Treasury Bond 		0.11 03:59PM
Jul 05 2022 		0.94 -0.73 -6.91 -7.85 0.73 0.98 4.68
SHY
iShares 1-3 Year Treasury Bond 		-0.01 03:59PM
Jul 05 2022 		0.29 -0.59 -2.99 -3.55 0.78 0.65 3.26
TIP
iShares TIPS Bond 		-0.29 03:59PM
Jul 05 2022 		1.32 -3.11 -9.04 -5.27 3.04 1.57 5.80
(*) 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%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the FundAdvice Ultimate Buy&Hold 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.

Readings that may interest you
INDEX FUNDS AND ETFS: Index Funds Investing and ETF Investing Made Easy
Summary of Principles for Dealing with the Changing World Order by Ray Dalio: A ...
Principles: Your Guided Journal (Create Your Own Principles to Get the Work and ...

Historical Returns as of Jun 30, 2022

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

FUNDADVICE ULTIMATE BUY&HOLD 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
-5.24
-5.24
-5.24
Jun 2022 - Jun 2022
0 - 1
3M
-8.74
-9.91
-8.74
Apr 2022 - Jun 2022
1 - 2
6M
-12.58
-15.99
-12.58
Jan 2022 - Jun 2022
1 - 5
YTD
-12.58
-15.99
-12.58
Jan 2022 - Jun 2022
1 - 5
1Y
-10.88
-17.15
8.55
-12.58
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
3.00
-1.44
10.79
-15.07
Jan 2020 - Mar 2020
21 - 15
58% pos
5Y(*)
3.56
-0.05
9.73
-15.07
Jan 2020 - Mar 2020
39 - 21
65% pos
10Y(*)
5.54
3.01
8.11
-15.07
Jan 2020 - Mar 2020
80 - 40
67% pos
15Y(*)
4.51
2.16
10.17
-34.23
Nov 2007 - Feb 2009
113 - 67
63% pos
20Y(*)
6.80
4.25
9.55
-34.23
Nov 2007 - Feb 2009
158 - 82
66% pos
25Y(*)
6.57
4.05
9.35
-34.23
Nov 2007 - Feb 2009
190 - 110
63% pos
30Y(*)
7.43
4.83
8.92
-34.23
Nov 2007 - Feb 2009
236 - 124
66% pos
MAX(*)
01 Jan 1992
7.35
4.76
8.87
-34.23
Nov 2007 - Feb 2009
240 - 126
66% 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$, since July 1992, now would be worth 8576.39$, with a total return of 757.64% (7.43% annualized).

The Inflation Adjusted Capital now would be 4122.33$, with a net total return of 312.23% (4.83% annualized).
An investment of 1000$, since January 1992, now would be worth 8706.78$, with a total return of 770.68% (7.35% annualized).

The Inflation Adjusted Capital now would be 4128.25$, with a net total return of 312.82% (4.76% annualized).

Drawdowns

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
-12.58% Jan 2022 Jun 2022 6 in progress 6
-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
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16
-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
-2.67% Jul 1996 Jul 1996 1 Sep 1996 2 3
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
-12.58% Jan 2022 Jun 2022 6 in progress 6
-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
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16
-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
-2.67% Jul 1996 Jul 1996 1 Sep 1996 2 3

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 8.30 39.16
Mar 2009 - Feb 2010 		-29.49
Mar 2008 - Feb 2009 		16.06%
2 Years
 7.88 27.26
Mar 2009 - Feb 2011 		-15.21
Mar 2007 - Feb 2009 		7.58%
3 Years
 7.67 21.10
Apr 2003 - Mar 2006 		-6.63
Mar 2006 - Feb 2009 		3.63%
5 Years
 7.65 16.61
Nov 2002 - Oct 2007 		0.71
Mar 2004 - Feb 2009 		0.00%
7 Years
 7.56 11.75
Nov 2000 - Oct 2007 		3.38
Apr 2013 - Mar 2020 		0.00%
10 Years
 7.65 10.48
May 1997 - Apr 2007 		4.78
Apr 2010 - Mar 2020 		0.00%
15 Years
 7.63 10.63
Nov 1992 - Oct 2007 		4.51
Jul 2007 - Jun 2022 		0.00%
20 Years
 7.65 8.62
Apr 1992 - Mar 2012 		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: 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 %		 0.44
58% 		0.22
61% 		0.68
71% 		1.41
84% 		0.49
68% 		0.15
52% 		0.78
60% 		0.20
63% 		0.20
60% 		0.53
63% 		0.84
67% 		1.58
80%
Best
Year		 5.6
2019 		4.3
1998 		5.9
2009 		8.0
2009 		5.6
2003 		3.6
2019 		6.0
2009 		3.7
1993 		5.7
2010 		6.3
2011 		7.4
2020 		4.7
2008
Worst
Year		 -7.7
2009 		-7.1
2009 		-9.9
2020 		-4.3
2022 		-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 1992 - Jun 2022

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
240 Positive Months (66%) - 126 Negative Months (34%)
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
 -12.58 -15.99 -2.7 -1.1 -0.4 -4.3 0.7 -5.2
2021
 +11.49 +4.10 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 +4.50 -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 -8.60 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 +11.17 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
1994
 -2.80 -5.26 3.3 -2.4 -4.1 0.7 0.1 -1.3 2.1 2.6 -2.0 0.5 -3.0 0.9
1993
 +22.68 +19.32 3.1 1.9 3.4 0.3 0.9 1.6 1.5 3.7 0.7 2.1 -2.4 3.9
1992
 +7.34 +4.25 0.9 0.5 -1.8 0.8 2.9 -1.7 2.2 -0.5 0.8 -0.5 1.9 1.8

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

Portfolio efficiency

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

Overall Ratings

The FundAdvice Ultimate Buy&Hold 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)		 +6.57%
(+4.05%)
Poor : 1 / 5
Average : 2.6 / 5
Standard Deviation
over 25 Years		 9.35%
Good : 3.6 / 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

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David Swensen 		+0.84 +8.66 -39.48 70 30 0
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Burton Malkiel 		+0.43 +8.59 -41.80 71 29 0
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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 04:00PM Eastern Time.
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