Data Source: from January 1994 to December 2021
Last Update: 31 December 2021
The iShares Lifepath Fund Portfolio is exposed for 40.42% on the Stock Market.
It's a Medium Risk portfolio and it can be replicated with 6 ETFs.
In the last 10 years, the portfolio obtained a 7.20% compound annual return, with a 5.76% standard deviation.
In the last 25 years, a 6.85% compound annual return, with a 6.59% standard deviation.
Asset Allocation and ETFs
The iShares Lifepath Fund Portfolio has the following asset allocation:
The iShares Lifepath Fund Portfolio can be replicated with the following ETFs:
| Weight | Ticker | ETF Name | Investment Themes | |
|---|---|---|---|---|
| 22.09 % | VV | Vanguard Large-Cap | Equity, U.S., Large Cap | |
| 13.67 % | VEU | Vanguard FTSE All-World ex-US | Equity, Global ex-US, Large Cap | |
| 4.15 % | IJR | iShares Core S&P Small-Cap | Equity, U.S., Small Cap | |
| 0.51 % | VNQ | Vanguard Real Estate | Real Estate, U.S. | |
| 50.82 % | BND | Vanguard Total Bond Market | Bond, U.S., All-Term | |
| 8.76 % | TIP | iShares TIPS Bond | Bond, U.S., All-Term |
Portfolio and ETF Returns
The iShares Lifepath Fund Portfolio guaranteed the following returns.
| 1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | 20Y(*) | 25Y(*) | |
|---|---|---|---|---|---|---|---|---|---|
| iShares Lifepath Fund Portfolio | +1.72 | +3.35 | +2.95 | +8.05 | +11.86 | +8.48 | +7.20 | +6.62 | +6.85 |
| --- Inflation Adjusted return | +1.24 | +1.11 | -0.44 | +0.86 | +8.04 | +5.41 | +4.97 | +4.21 | +4.46 |
| Components | |||||||||
|
VV Vanguard Large-Cap |
+4.17 | +10.38 | +10.81 | +27.40 | +26.47 | +18.72 | +16.63 | +9.69 | +9.88 |
|
VEU Vanguard FTSE All-World ex-US |
+3.69 | +1.96 | -1.37 | +8.28 | +13.60 | +9.89 | +7.57 | +6.87 | +5.48 |
|
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 |
|
VNQ Vanguard Real Estate |
+9.69 | +15.03 | +15.74 | +40.52 | +19.96 | +11.22 | +11.50 | +10.89 | +9.94 |
|
BND Vanguard Total Bond Market |
-0.31 | -0.04 | -0.08 | -1.86 | +4.78 | +3.54 | +2.75 | +4.09 | +4.73 |
|
TIP iShares TIPS Bond |
+0.40 | +2.39 | +4.14 | +5.67 | +8.26 | +5.18 | +2.93 | +5.18 | +5.79 |
- 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 2.31% dividend yield. If you are interested in getting periodic income, please refer to the iShares Lifepath Fund Portfolio: Dividend Yield page.
Historical Returns
Historical returns and stats of iShares Lifepath Fund Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
| Period | Return Dec 2021 update |
Return Inflation Adjusted |
Standard Deviation(*) |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|---|
|
1M
Dec 2021
|
+1.72%
|
+1.24%
|
0.00%
|
1 - 0
|
|
|
3M
|
+3.35%
|
+1.11%
|
-0.82%
Nov 2021 - Nov 2021
|
2 - 1
|
|
|
6M
|
+2.95%
|
-0.44%
|
-2.34%
Sep 2021 - Sep 2021
|
4 - 2
|
|
|
YTD
|
+8.05%
|
+0.86%
|
4.43%
|
-2.34%
Sep 2021 - Sep 2021
|
9 - 3
75% pos
|
|
1Y
|
+8.05%
|
+0.86%
|
4.43%
|
-2.34%
Sep 2021 - Sep 2021
|
9 - 3
75% pos
|
|
3Y
|
+11.86%
annualized
|
+8.04%
annualized
|
7.45%
|
-8.33%
Feb 2020 - Mar 2020
|
28 - 8
78% pos
|
|
5Y
|
+8.48%
annualized
|
+5.41%
annualized
|
6.54%
|
-8.33%
Feb 2020 - Mar 2020
|
45 - 15
75% pos
|
|
10Y
|
+7.20%
annualized
|
+4.97%
annualized
|
5.76%
|
-8.33%
Feb 2020 - Mar 2020
|
85 - 35
71% pos
|
|
20Y
|
+6.62%
annualized
|
+4.21%
annualized
|
6.51%
|
-21.23%
Nov 2007 - Feb 2009
|
165 - 75
69% pos
|
|
25Y
|
+6.85%
annualized
|
+4.46%
annualized
|
6.59%
|
-21.23%
Nov 2007 - Feb 2009
|
203 - 97
68% pos
|
|
MAX
01 Jan 1994
|
+7.13%
annualized
|
+4.67%
annualized
|
6.48%
|
-21.23%
Nov 2007 - Feb 2009
|
231 - 105
69% pos
|
Portfolio efficiency
Is the iShares Lifepath Fund Portfolio actually efficient, compared to other Lazy Portfolios?
Best Classic Portfolios, with Medium Risk, ordered by 25 Years annualized return.
25 Years Stats |
% Allocation |
||||||
|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Drawdown | Stocks | Bonds | Comm. | ||
| Couch Potato Scott Burns |
+8.33% | -27.03% | 50 | 50 | 0 | Compare | |
| All Weather Portfolio Ray Dalio |
+7.89% | -12.19% | 30 | 55 | 15 | Compare | |
| Robo Advisor 50 Betterment |
+7.63% | -30.72% | 49.9 | 50.1 | 0 | Compare | |
| Simplified Permanent Portfolio |
+7.48% | -13.28% | 25 | 50 | 25 | Compare | |
| Stocks/Bonds 40/60 |
+7.24% | -19.17% | 40 | 60 | 0 | Compare | |
Our overall ratings, assigned to the iShares Lifepath Fund Portfolio. The portfolio is classified as Medium Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
| Medium Risk Portfolios |
All Portfolios |
||
|---|---|---|---|
| 25 Years Ann. Return (Inflation Adjusted) |
+6.85%
(+4.46%) |
Average : 2.5 / 5
|
Average : 2.8 / 5
|
| Standard Deviation over 25 Years |
6.59% |
Good : 3.8 / 5
|
Excellent : 4.2 / 5
|
| Maximum Drawdown over 25 Years |
-21.23% |
Good : 3.3 / 5
|
Good : 3.8 / 5
|
| Easy to manage | 6 ETFs |
Average : 2.5 / 5
|
Average : 2.5 / 5
|
| Rating assigned considering all the Medium Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Capital Growth
An investment of 1000$, since January 1997, now would be worth 5245.48$, with a total return of 424.55% (6.85% annualized).
The Inflation Adjusted Capital now would be 2978.51$, with a net total return of 197.85% (4.46% annualized).
Drawdowns
Worst drawdowns since January 1997 - Chart and Data
Drawdown period |
Recovery period |
Total |
||||
|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months |
| -21.23% | Nov 2007 | Feb 2009 | 16 | Dec 2009 | 10 | 26 |
| -8.33% | Feb 2020 | Mar 2020 | 2 | Jun 2020 | 3 | 5 |
| -7.15% | Feb 2001 | Sep 2002 | 20 | May 2003 | 8 | 28 |
| -5.64% | May 2011 | Sep 2011 | 5 | Jan 2012 | 4 | 9 |
| -5.36% | Jul 1998 | Aug 1998 | 2 | Nov 1998 | 3 | 5 |
| -5.27% | Sep 2018 | Dec 2018 | 4 | Mar 2019 | 3 | 7 |
| -4.45% | May 2015 | Sep 2015 | 5 | May 2016 | 8 | 13 |
| -3.83% | May 2010 | Jun 2010 | 2 | Sep 2010 | 3 | 5 |
| -3.16% | Sep 2000 | Nov 2000 | 3 | Jan 2001 | 2 | 5 |
| -3.07% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 |
| -3.01% | Apr 2000 | May 2000 | 2 | Aug 2000 | 3 | 5 |
| -2.99% | May 2013 | Jun 2013 | 2 | Sep 2013 | 3 | 5 |
| -2.78% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
| -2.74% | May 2012 | May 2012 | 1 | Jul 2012 | 2 | 3 |
| -2.73% | Feb 2018 | Apr 2018 | 3 | Aug 2018 | 4 | 7 |
| -2.48% | Feb 1999 | Feb 1999 | 1 | Apr 1999 | 2 | 3 |
| -2.41% | Sep 2020 | Oct 2020 | 2 | Nov 2020 | 1 | 3 |
| -2.34% | Sep 2021 | Sep 2021 | 1 | Oct 2021 | 1 | 2 |
| -2.07% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
| -1.84% | Mar 1997 | Mar 1997 | 1 | Apr 1997 | 1 | 2 |
Rolling Returns ( more details)
iShares Lifepath Fund Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+7.46% |
+27.21% Mar 2009 - Feb 2010 |
-18.54% Mar 2008 - Feb 2009 |
13.23% |
| 2 Years |
+7.18% |
+19.57% Mar 2009 - Feb 2011 |
-7.79% Mar 2007 - Feb 2009 |
7.03% |
| 3 Years |
+6.99% |
+15.10% Apr 1995 - Mar 1998 |
-2.45% Mar 2006 - Feb 2009 |
1.33% |
| 5 Years |
+6.70% |
+13.20% Jan 1995 - Dec 1999 |
+1.14% Mar 2004 - Feb 2009 |
0.00% |
| 7 Years |
+6.48% |
+9.94% Jun 1994 - May 2001 |
+3.18% Mar 2002 - Feb 2009 |
0.00% |
| 10 Years |
+6.51% |
+9.09% Jan 1995 - Dec 2004 |
+3.50% Mar 1999 - Feb 2009 |
0.00% |
| 15 Years |
+6.38% |
+7.71% Dec 1994 - Nov 2009 |
+5.32% Feb 2001 - Jan 2016 |
0.00% |
| 20 Years |
+6.46% |
+7.72% Dec 1994 - Nov 2014 |
+5.24% 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 iShares Lifepath Fund Portfolio: Rolling Returns page.
Seasonality
iShares Lifepath Fund 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.
| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Win % |
0.49 64% |
0.15 71% |
0.41 71% |
1.30 82% |
0.43 64% |
0.43 64% |
0.77 64% |
0.26 68% |
0.23 61% |
0.59 68% |
0.99 68% |
1.07 79% |
| Best Year |
4.0 2019 |
2.8 1998 |
4.3 2009 |
5.5 2020 |
3.9 2009 |
3.4 2019 |
4.3 2009 |
2.6 2000 |
3.8 2010 |
4.4 2011 |
5.5 2020 |
5.1 2008 |
| Worst Year |
-5.2 2009 |
-4.5 2009 |
-6.3 2020 |
-2.8 2004 |
-3.1 2010 |
-3.1 2008 |
-3.0 2002 |
-5.0 1998 |
-4.2 2008 |
-9.2 2008 |
-1.9 1994 |
-2.3 2018 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly/Yearly Returns
iShares Lifepath Fund Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+8.05 | +0.86 | -0.3 | 0.3 | 0.7 | 2.3 | 0.8 | 1.1 | 1.1 | 0.9 | -2.3 | 2.4 | -0.8 | 1.7 |
| 2020 |
+11.47 | +10.04 | 0.6 | -2.1 | -6.3 | 5.5 | 2.2 | 1.5 | 2.9 | 1.9 | -1.3 | -1.1 | 5.5 | 2.2 |
| 2019 |
+16.20 | +13.63 | 4.0 | 1.1 | 1.6 | 1.5 | -1.7 | 3.4 | 0.3 | 0.6 | 0.6 | 1.2 | 1.2 | 1.4 |
| 2018 |
-3.49 | -5.30 | 1.4 | -2.4 | -0.1 | -0.2 | 0.9 | 0.0 | 1.3 | 1.1 | -0.3 | -3.8 | 1.1 | -2.3 |
| 2017 |
+11.24 | +8.95 | 1.1 | 1.5 | 0.4 | 1.0 | 1.0 | 0.3 | 1.3 | 0.6 | 0.8 | 0.9 | 0.9 | 0.9 |
| 2016 |
+6.11 | +3.98 | -1.5 | 0.2 | 3.5 | 0.6 | 0.3 | 1.3 | 2.0 | 0.0 | 0.4 | -1.4 | -0.4 | 1.1 |
| 2015 |
-0.37 | -1.00 | 0.7 | 1.5 | -0.2 | 0.6 | -0.1 | -1.5 | 0.9 | -2.9 | -0.9 | 2.9 | -0.2 | -1.1 |
| 2014 |
+6.00 | +5.32 | -0.7 | 2.2 | 0.1 | 0.7 | 1.5 | 1.0 | -0.9 | 1.9 | -1.8 | 1.3 | 1.0 | -0.5 |
| 2013 |
+9.07 | +7.45 | 1.4 | 0.5 | 1.2 | 1.6 | -1.1 | -1.9 | 2.5 | -1.7 | 2.9 | 2.2 | 0.8 | 0.6 |
| 2012 |
+9.09 | +7.20 | 2.8 | 1.8 | 0.5 | 0.2 | -2.7 | 1.9 | 1.1 | 1.2 | 1.3 | -0.4 | 0.6 | 0.6 |
| 2011 |
+3.66 | +0.58 | 0.7 | 1.6 | 0.1 | 2.5 | -0.1 | -0.8 | 0.3 | -1.8 | -3.3 | 4.4 | -0.4 | 0.6 |
| 2010 |
+10.07 | +8.51 | -0.9 | 1.1 | 2.5 | 1.2 | -3.1 | -0.8 | 3.5 | -0.8 | 3.8 | 1.9 | -0.9 | 2.3 |
| 2009 |
+15.04 | +11.89 | -5.2 | -4.5 | 4.3 | 4.6 | 3.9 | 0.1 | 4.3 | 2.0 | 2.7 | -1.1 | 3.2 | 0.3 |
| 2008 |
-12.05 | -12.03 | -1.7 | -0.5 | 0.1 | 1.6 | 0.2 | -3.1 | -0.6 | 0.3 | -4.2 | -9.2 | -0.1 | 5.1 |
| 2007 |
+7.94 | +3.68 | 0.6 | 0.5 | 0.7 | 1.9 | 0.9 | -0.6 | -0.5 | 1.1 | 2.3 | 1.9 | -0.7 | -0.5 |
| 2006 |
+10.06 | +7.35 | 1.8 | 0.1 | 0.4 | 0.8 | -1.5 | 0.1 | 0.9 | 1.9 | 1.1 | 1.9 | 1.8 | 0.3 |
| 2005 |
+5.27 | +1.87 | -0.7 | 0.9 | -1.1 | -0.1 | 1.8 | 0.8 | 0.8 | 1.0 | 0.3 | -1.5 | 1.7 | 1.4 |
| 2004 |
+9.19 | +5.65 | 1.3 | 1.4 | 0.4 | -2.8 | 0.4 | 1.3 | -0.9 | 1.4 | 0.9 | 1.4 | 1.9 | 2.1 |
| 2003 |
+16.31 | +13.99 | -1.2 | 0.3 | -0.2 | 3.8 | 3.7 | 0.6 | -0.9 | 1.5 | 1.6 | 2.3 | 0.9 | 3.0 |
| 2002 |
-1.88 | -4.25 | -0.5 | 0.2 | 1.1 | 0.0 | 0.4 | -2.0 | -3.0 | 1.4 | -2.5 | 1.6 | 1.8 | -0.2 |
| 2001 |
-0.13 | -1.71 | 2.2 | -2.7 | -2.1 | 2.6 | 0.3 | -0.6 | 0.8 | -1.0 | -2.9 | 2.1 | 1.1 | 0.2 |
| 2000 |
+3.22 | -0.20 | -2.1 | 1.5 | 3.2 | -1.9 | -1.1 | 2.8 | -0.4 | 2.6 | -1.5 | -0.2 | -1.5 | 2.1 |
| 1999 |
+8.91 | +6.07 | 1.4 | -2.5 | 1.9 | 2.2 | -1.7 | 1.8 | -0.8 | -0.3 | 0.2 | 2.2 | 1.3 | 3.1 |
| 1998 |
+13.44 | +11.64 | 1.4 | 2.8 | 2.0 | 0.6 | -0.3 | 1.4 | -0.3 | -5.0 | 2.6 | 2.9 | 2.6 | 2.2 |
| 1997 |
+14.26 | +12.35 | 1.2 | 0.4 | -1.8 | 2.3 | 3.3 | 2.8 | 4.2 | -3.1 | 3.3 | -1.4 | 1.2 | 1.3 |
| 1996 |
+8.55 | +5.01 | 1.2 | -0.8 | 0.1 | 0.8 | 0.5 | 0.7 | -1.7 | 0.6 | 2.9 | 1.8 | 3.6 | -1.1 |
| 1995 |
+21.33 | +18.33 | 1.2 | 1.7 | 2.0 | 2.0 | 3.2 | 0.9 | 1.6 | 0.5 | 1.9 | 0.2 | 2.4 | 1.9 |
| 1994 |
-0.37 | -2.89 | 3.2 | -1.8 | -3.2 | 0.2 | 0.2 | -0.5 | 2.0 | 1.5 | -2.0 | 0.8 | -1.9 | 1.2 |
* 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:
- VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
- VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
- IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
- VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
- BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
- TIP - iShares TIPS Bond: simulated historical serie, up to December 2003