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)
0.44%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.69%
Current Month
July 2022

The High Yield Bonds Income Portfolio is a Low Risk portfolio and can be implemented with 4 ETFs.

It's exposed for 0% on the Stock Market.

In the last 30 Years, the High Yield Bonds Income Portfolio obtained a 6.91% compound annual return, with a 8.43% standard deviation.

Asset Allocation and ETFs

The High Yield Bonds Income Portfolio has the following asset allocation:

0% Stocks
100% Fixed Income
0% Commodities

The High Yield Bonds Income Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
25.00 % SPLB SPDR Portfolio Long Term Corporate Bond ETF Bond, U.S., Long-Term
25.00 % EMB iShares JP Morgan USD Em Mkts Bd Bond, Emerging Markets, All-Term
25.00 % JNK SPDR Barclays High Yield Bond ETF Bond, U.S., Intermediate-Term
25.00 % 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 High Yield Bonds 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.
HIGH YIELD BONDS 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(*)
High Yield Bonds Income Portfolio -0.44 0.69 -6.40 -17.78 -17.31 0.50 2.73 6.91
US Inflation Adjusted return -6.40 -20.98 -23.13 -3.00 0.26 4.33
Components
SPLB
SPDR Portfolio Long Term Corporate Bond ETF 		0.21 01:59PM
Jul 05 2022 		1.52 -4.55 -22.31 -21.72 0.86 2.89 6.37
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
JNK
SPDR Barclays High Yield Bond ETF 		-0.52 01:59PM
Jul 05 2022 		0.35 -7.62 -14.76 -13.74 1.03 2.96 5.58
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%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the High Yield Bonds Income Portfolio granted a 3.76% dividend yield. If you are interested in getting periodic income, please refer to the High Yield Bonds Income Portfolio: Dividend Yield page.

Readings that may interest you
Index Funds & ETFs: What they are and how to make them work for you
The Lords of Easy Money: How the Federal Reserve Broke the American Economy
Summary of Principles: Life and Work - by Ray Dalio

Historical Returns as of Jun 30, 2022

Historical returns and stats of High Yield Bonds Income Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

HIGH YIELD BONDS 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
-6.40
-6.40
-6.40
Jun 2022 - Jun 2022
0 - 1
3M
-10.98
-12.13
-10.98
Apr 2022 - Jun 2022
1 - 2
6M
-17.78
-20.98
-17.78
Jan 2022 - Jun 2022
1 - 5
YTD
-17.78
-20.98
-17.78
Jan 2022 - Jun 2022
1 - 5
1Y
-17.31
-23.13
9.03
-18.26
Sep 2021 - Jun 2022
5 - 7
42% pos
3Y(*)
-2.42
-6.63
10.84
-18.26
Sep 2021 - Jun 2022
20 - 16
56% pos
5Y(*)
0.50
-3.00
9.08
-18.26
Sep 2021 - Jun 2022
33 - 27
55% pos
10Y(*)
2.73
0.26
7.61
-18.26
Sep 2021 - Jun 2022
72 - 48
60% pos
15Y(*)
4.39
2.04
10.15
-23.97
Nov 2007 - Oct 2008
111 - 69
62% pos
20Y(*)
5.67
3.14
9.28
-23.97
Nov 2007 - Oct 2008
153 - 87
64% pos
25Y(*)
5.83
3.33
8.88
-23.97
Nov 2007 - Oct 2008
189 - 111
63% pos
30Y(*)
6.91
4.33
8.43
-23.97
Nov 2007 - Oct 2008
236 - 124
66% pos
MAX(*)
01 Jan 1992
6.99
4.40
8.37
-23.97
Nov 2007 - Oct 2008
242 - 124
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$, since July 1992, now would be worth 7427.75$, with a total return of 642.78% (6.91% annualized).

The Inflation Adjusted Capital now would be 3570.23$, with a net total return of 257.02% (4.33% annualized).
An investment of 1000$, since January 1992, now would be worth 7848.01$, with a total return of 684.80% (6.99% annualized).

The Inflation Adjusted Capital now would be 3721.07$, with a net total return of 272.11% (4.40% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-23.97% Nov 2007 Oct 2008 12 Jul 2009 9 21
-18.26% Sep 2021 Jun 2022 10 in progress 10
-11.99% Feb 2020 Mar 2020 2 Jul 2020 4 6
-8.48% Aug 1998 Aug 1998 1 Apr 1999 8 9
-7.79% Mar 2015 Jan 2016 11 Jun 2016 5 16
-7.41% Feb 1994 Jun 1994 5 May 1995 11 16
-6.71% May 2013 Aug 2013 4 Feb 2014 6 10
-6.70% May 2002 Jul 2002 3 Nov 2002 4 7
-4.56% Apr 2004 May 2004 2 Aug 2004 3 5
-4.53% Jan 2018 Dec 2018 12 Feb 2019 2 14
-4.40% Aug 2011 Sep 2011 2 Oct 2011 1 3
-3.93% Oct 2016 Nov 2016 2 Feb 2017 3 5
-3.91% Jul 2003 Jul 2003 1 Sep 2003 2 3
-3.84% May 2007 Jul 2007 3 Oct 2007 3 6
-3.60% May 1999 Aug 1999 4 Nov 1999 3 7
-3.49% Sep 2001 Sep 2001 1 Nov 2001 2 3
-3.24% May 2010 May 2010 1 Jul 2010 2 3
-3.16% Jan 2021 Mar 2021 3 Jun 2021 3 6
-3.14% Sep 2000 Nov 2000 3 Jan 2001 2 5
-2.87% Feb 1996 Mar 1996 2 Jul 1996 4 6
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-23.97% Nov 2007 Oct 2008 12 Jul 2009 9 21
-18.26% Sep 2021 Jun 2022 10 in progress 10
-11.99% Feb 2020 Mar 2020 2 Jul 2020 4 6
-8.48% Aug 1998 Aug 1998 1 Apr 1999 8 9
-7.79% Mar 2015 Jan 2016 11 Jun 2016 5 16
-7.41% Feb 1994 Jun 1994 5 May 1995 11 16
-6.71% May 2013 Aug 2013 4 Feb 2014 6 10
-6.70% May 2002 Jul 2002 3 Nov 2002 4 7
-4.56% Apr 2004 May 2004 2 Aug 2004 3 5
-4.53% Jan 2018 Dec 2018 12 Feb 2019 2 14
-4.40% Aug 2011 Sep 2011 2 Oct 2011 1 3
-3.93% Oct 2016 Nov 2016 2 Feb 2017 3 5
-3.91% Jul 2003 Jul 2003 1 Sep 2003 2 3
-3.84% May 2007 Jul 2007 3 Oct 2007 3 6
-3.60% May 1999 Aug 1999 4 Nov 1999 3 7
-3.49% Sep 2001 Sep 2001 1 Nov 2001 2 3
-3.24% May 2010 May 2010 1 Jul 2010 2 3
-3.16% Jan 2021 Mar 2021 3 Jun 2021 3 6
-3.14% Sep 2000 Nov 2000 3 Jan 2001 2 5
-2.87% Feb 1996 Mar 1996 2 Jul 1996 4 6

Rolling Returns ( more details)

High Yield Bonds Income Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 7.87 41.19
Dec 2008 - Nov 2009 		-23.97
Nov 2007 - Oct 2008 		14.65%
2 Years
 7.69 27.64
Nov 2008 - Oct 2010 		-10.66
Dec 2006 - Nov 2008 		4.08%
3 Years
 7.69 20.32
Nov 2008 - Oct 2011 		-4.59
Dec 2005 - Nov 2008 		2.11%
5 Years
 7.64 14.58
Nov 2008 - Oct 2013 		0.18
Mar 2004 - Feb 2009 		0.00%
7 Years
 7.51 11.31
May 1992 - Apr 1999 		2.18
Jul 2015 - Jun 2022 		0.00%
10 Years
 7.63 10.98
Jan 1995 - Dec 2004 		2.73
Jul 2012 - Jun 2022 		0.00%
15 Years
 7.47 9.90
May 1992 - Apr 2007 		4.39
Jul 2007 - Jun 2022 		0.00%
20 Years
 7.64 9.23
Nov 1992 - Oct 2012 		5.67
Jul 2002 - Jun 2022 		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 High Yield Bonds Income Portfolio: Rolling Returns page.

Seasonality

High Yield Bonds 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
68% 		0.28
71% 		-0.21
48% 		1.25
77% 		0.43
52% 		0.39
61% 		1.14
77% 		0.64
73% 		0.23
60% 		0.13
67% 		0.55
53% 		1.71
87%
Best
Year		 4.7
2019 		2.6
2014 		3.5
2016 		9.7
2009 		4.6
1995 		3.8
2012 		6.1
2009 		4.2
2002 		4.9
2009 		6.5
2011 		4.5
1998 		16.0
2008
Worst
Year		 -3.8
2009 		-7.1
2009 		-11.5
2020 		-6.2
2022 		-3.7
2013 		-6.4
2022 		-3.9
2003 		-8.5
1998 		-7.8
2008 		-14.8
2008 		-2.5
2016 		-1.8
2015
Statistics calculated for the period Jan 1992 - Jun 2022

Monthly/Yearly Returns

High Yield Bonds Income Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
242 Positive Months (66%) - 124 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
 -17.78 -20.98 -3.5 -2.6 -1.8 -6.2 1.4 -6.4
2021
 +0.88 -5.81 -1.4 -1.6 -0.2 1.3 0.4 1.8 0.8 0.4 -1.4 0.3 -1.0 1.5
2020
 +7.08 +5.73 1.1 -0.6 -11.5 5.5 3.5 1.3 5.0 -0.9 -1.1 -0.1 4.4 1.5
2019
 +16.98 +14.40 4.7 0.6 2.1 0.8 -0.3 3.5 0.5 2.3 -0.4 0.2 0.3 1.7
2018
 -4.53 -6.32 -0.4 -2.0 0.3 -0.9 -0.2 -0.5 1.9 -0.3 0.7 -2.5 -0.6 0.0
2017
 +8.78 +6.51 1.0 1.6 -0.2 1.3 1.3 0.1 1.1 0.8 0.3 0.3 -0.2 1.0
2016
 +12.01 +9.76 -1.0 1.6 3.5 2.8 0.1 3.1 1.8 1.4 0.2 -1.5 -2.5 1.9
2015
 -3.94 -4.55 2.4 0.8 -0.5 0.1 -0.5 -2.3 0.3 -1.7 -1.7 2.6 -1.5 -1.8
2014
 +6.28 +5.59 0.8 2.6 0.5 1.2 1.8 0.5 -1.1 2.3 -2.3 1.4 -0.5 -1.0
2013
 -0.40 -1.88 -1.1 1.0 0.0 2.9 -3.7 -3.1 1.5 -1.5 1.2 2.7 -0.5 0.4
2012
 +12.61 +10.66 1.5 1.8 -1.2 1.7 -1.9 3.8 2.7 0.8 0.8 1.0 0.3 0.7
2011
 +9.07 +5.83 0.2 1.1 0.3 1.9 1.3 -0.8 2.0 -1.2 -3.3 6.5 -2.5 3.5
2010
 +11.52 +9.94 -0.4 1.1 2.2 1.8 -3.2 2.0 4.1 1.4 1.9 1.3 -2.3 1.3
2009
 +23.52 +20.14 -3.8 -7.1 3.1 9.7 4.1 2.7 6.1 0.7 4.9 -0.9 1.4 1.5
2008
 -10.54 -10.52 -0.8 -1.6 0.4 2.1 -0.5 -2.1 -0.4 0.2 -7.8 -14.8 0.9 16.0
2007
 +3.36 -0.72 -0.1 2.0 -0.1 1.2 -0.1 -1.9 -1.9 1.4 2.4 1.1 -0.7 0.2
2006
 +7.28 +4.64 0.5 1.2 -1.5 -0.3 -0.8 -0.1 1.7 2.1 1.2 1.2 1.8 0.1
2005
 +5.61 +2.20 0.8 0.5 -2.3 0.9 2.3 1.5 -0.2 1.4 -0.7 -1.3 1.1 1.6
2004
 +9.55 +6.01 1.2 0.4 1.3 -3.4 -1.2 1.3 1.6 3.1 1.3 1.7 0.0 2.0
2003
 +18.30 +15.94 1.4 2.4 1.4 4.1 2.5 0.5 -3.9 1.7 3.2 0.5 1.2 2.2
2002
 +7.38 +4.78 1.4 1.1 -0.1 1.7 -0.2 -3.1 -3.5 4.2 -1.0 1.0 3.4 2.6
2001
 +10.89 +9.14 4.1 0.5 -0.5 -0.3 1.2 -0.5 1.8 2.2 -3.5 3.1 2.2 0.2
2000
 +6.15 +2.62 -0.9 1.7 0.6 -0.5 -1.4 3.2 1.6 2.1 -0.9 -1.1 -1.1 2.9
1999
 +6.34 +3.56 0.3 -0.8 2.1 2.8 -2.8 0.2 -0.4 -0.6 1.4 1.0 1.5 1.5
1998
 +2.17 +0.56 1.3 0.9 1.2 0.4 -0.1 -0.2 0.6 -8.5 3.3 -0.5 4.5 -0.2
1997
 +13.61 +11.72 1.1 1.6 -2.5 2.0 2.6 2.0 3.6 -0.7 2.3 -2.1 1.2 2.0
1996
 +14.28 +10.54 2.3 -2.6 -0.3 0.7 0.5 1.3 1.1 1.5 3.5 1.6 3.4 0.5
1995
 +22.64 +19.61 1.4 1.4 -0.2 3.4 4.6 0.8 0.5 1.3 1.7 1.1 1.6 3.0
1994
 -4.27 -6.69 1.8 -2.1 -3.8 -1.1 -0.4 -0.2 1.3 0.4 -0.7 0.1 -0.4 0.8
1993
 +18.58 +15.34 2.6 2.4 1.2 0.7 0.7 2.7 1.2 2.0 0.3 2.1 -0.4 1.6
1992
 +12.00 +8.78 0.3 1.2 0.1 0.5 2.4 1.1 2.7 0.8 1.0 -2.1 1.3 2.3

Portofolio Returns, up to March 2009, 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:

  • SPLB - SPDR Portfolio Long Term Corporate Bond ETF: simulated historical serie, up to March 2009
  • EMB - iShares JP Morgan USD Em Mkts Bd: simulated historical serie, up to December 2007
  • JNK - SPDR Barclays High Yield Bond ETF: 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 High Yield Bonds Income Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The High Yield Bonds Income Portfolio is classified as Low 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%
Low Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +5.83%
(+3.33%)
Excellent : 4.2 / 5
Average : 2.1 / 5
Standard Deviation
over 25 Years		 8.88%
Poor : 1 / 5
Good : 3.6 / 5
Maximum Drawdown
over 25 Years		 -23.97%
Poor : 1 / 5
Good : 3.6 / 5
Easy to manage 4 ETFs
Good : 3.5 / 5
Good : 3.5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Best Classic Portfolios, with Low Risk

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30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return▾ Drawdown Stocks Bonds Comm
High Yield Bonds Income
 +0.69 +6.91 -23.97 0 100 0
All Country World 20/80
 +0.43 +6.10 -14.04 20 80 0
Stocks/Bonds 20/80
 +0.89 +5.93 -12.54 20 80 0
US Inflation Protection
 +1.49 +5.80 -11.79 0 100 0
Dimensional Retirement Income Fund
DFA 		+0.89 +5.79 -12.91 20.4 79.6 0

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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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