Data Source: from January 1995 to December 2021

Last Update: 31 December 2021

The Larry Swedroe Larry Portfolio is exposed for 30% on the Stock Market.

It's a Medium Risk portfolio and it can be replicated with 4 ETFs.

In the last 10 years, the portfolio obtained a 4.62% compound annual return, with a 4.19% standard deviation.

In the last 25 years, a 6.50% compound annual return, with a 5.10% standard deviation.

Asset Allocation and ETFs

The Larry Swedroe Larry Portfolio has the following asset allocation:

30% Stocks
70% Fixed Income
0% Commodities

The Larry Swedroe Larry Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
15.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
7.50 % DLS WisdomTree International SmallCp Div Equity, Developed Markets, Small Cap, Value
7.50 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
70.00 % IEI iShares 3-7 Year Treasury 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 Larry Swedroe Larry Portfolio guaranteed the following returns.

LARRY SWEDROE LARRY PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Larry Swedroe Larry Portfolio +1.02 +0.07 -1.41 +3.41 +6.79 +4.82 +4.62 +6.33 +6.50
--- Inflation Adjusted return +0.54 -2.10 -4.65 -3.47 +3.15 +1.85 +2.45 +3.93 +4.12
Components
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
DLS
WisdomTree International SmallCp Div
+5.39 +0.07 +0.12 +11.70 +10.44 +7.56 +8.95 +10.52 +7.85
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
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
(*) 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 1.20% dividend yield. If you are interested in getting periodic income, please refer to the Larry Swedroe Larry Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Larry Swedroe Larry Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

LARRY SWEDROE LARRY 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
+1.02%
+0.54%
0.00%
1 - 0
3M
+0.07%
-2.10%
-1.11%
Nov 2021 - Nov 2021
2 - 1
6M
-1.41%
-4.65%
-2.41%
Jul 2021 - Nov 2021
3 - 3
YTD
+3.41%
-3.47%
3.03%
-2.64%
Jun 2021 - Nov 2021
8 - 4
67% pos
1Y
+3.41%
-3.47%
3.03%
-2.64%
Jun 2021 - Nov 2021
8 - 4
67% pos
3Y
+6.79%
annualized
+3.15%
annualized
4.88%
-5.38%
Jan 2020 - Mar 2020
26 - 10
72% pos
5Y
+4.82%
annualized
+1.85%
annualized
4.38%
-5.38%
Jan 2020 - Mar 2020
44 - 16
73% pos
10Y
+4.62%
annualized
+2.45%
annualized
4.19%
-5.38%
Jan 2020 - Mar 2020
81 - 39
68% pos
20Y
+6.33%
annualized
+3.93%
annualized
4.96%
-11.47%
Apr 2008 - Feb 2009
170 - 70
71% pos
25Y
+6.50%
annualized
+4.12%
annualized
5.10%
-11.47%
Apr 2008 - Feb 2009
207 - 93
69% pos
MAX
01 Jan 1995
+6.91%
annualized
+4.47%
annualized
5.07%
-11.47%
Apr 2008 - Feb 2009
227 - 97
70% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Larry Swedroe Larry 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

See all portfolios

Our overall ratings, assigned to the Larry Swedroe Larry Portfolio. The portfolio is classified as Medium 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%
Medium Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+6.50%
(+4.12%)
Bad : 1.8 / 5
Average : 2.6 / 5
Standard Deviation
over 25 Years
5.10%
Excellent : 5 / 5
Excellent : 4.5 / 5
Maximum Drawdown
over 25 Years
-11.47%
Excellent : 5 / 5
Excellent : 4.5 / 5
Easy to manage 4 ETFs
Good : 3.5 / 5
Good : 3.5 / 5
Rating assigned considering all the Medium Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 4829.06$, with a total return of 382.91% (6.50% annualized).

The Inflation Adjusted Capital now would be 2742.06$, with a net total return of 174.21% (4.12% 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
-11.47% Apr 2008 Feb 2009 11 Jul 2009 5 16
-5.38% Jan 2020 Mar 2020 3 Jul 2020 4 7
-5.14% May 1998 Aug 1998 4 Nov 1998 3 7
-4.08% Sep 2018 Dec 2018 4 Mar 2019 3 7
-3.98% Apr 2004 May 2004 2 Sep 2004 4 6
-3.97% Aug 2011 Sep 2011 2 Jan 2012 4 6
-3.38% Jan 1999 Feb 1999 2 Apr 1999 2 4
-3.31% May 2015 Jan 2016 9 Mar 2016 2 11
-2.64% Jun 2021 Nov 2021 6 in progress 1 7
-2.41% May 2013 Jun 2013 2 Sep 2013 3 5
-2.38% Sep 2001 Sep 2001 1 Oct 2001 1 2
-2.37% Sep 2014 Sep 2014 1 Jan 2015 4 5
-2.25% May 2012 May 2012 1 Aug 2012 3 4
-2.17% May 2006 Jun 2006 2 Aug 2006 2 4
-2.16% May 2010 Jun 2010 2 Jul 2010 1 3
-1.98% Feb 2001 Mar 2001 2 May 2001 2 4
-1.92% Jun 2002 Jul 2002 2 Nov 2002 4 6
-1.81% Oct 2005 Oct 2005 1 Dec 2005 2 3
-1.80% Aug 1997 Aug 1997 1 Sep 1997 1 2
-1.66% Feb 2018 Feb 2018 1 Aug 2018 6 7

Rolling Returns ( more details)

Larry Swedroe Larry Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+6.94% +23.60%
Apr 2003 - Mar 2004
-11.03%
Mar 2008 - Feb 2009
6.07%
2 Years
+6.72% +15.40%
Mar 2009 - Feb 2011
-1.61%
Mar 2007 - Feb 2009
0.66%
3 Years
+6.67% +12.70%
Apr 2003 - Mar 2006
+1.59%
Mar 2006 - Feb 2009
0.00%
5 Years
+6.73% +10.99%
Apr 2003 - Mar 2008
+2.49%
Jan 2014 - Dec 2018
0.00%
7 Years
+6.81% +10.25%
Jun 2000 - May 2007
+3.02%
Apr 2013 - Mar 2020
0.00%
10 Years
+6.93% +9.47%
Jan 1995 - Dec 2004
+4.05%
Nov 2010 - Oct 2020
0.00%
15 Years
+6.93% +8.47%
Jan 1995 - Dec 2009
+5.02%
Dec 2006 - Nov 2021
0.00%
20 Years
+6.80% +7.85%
Feb 1995 - Jan 2015
+6.30%
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 Larry Swedroe Larry Portfolio: Rolling Returns page.

Seasonality

Larry Swedroe Larry 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 %
0.55
74%
0.35
74%
0.51
74%
0.91
81%
0.41
59%
0.48
56%
0.45
63%
0.45
70%
0.58
63%
0.42
67%
0.82
81%
0.92
78%
Best
Year
3.5
2019
2.5
1998
4.0
2009
3.5
1999
4.6
2003
3.0
2000
3.7
2009
2.3
2000
3.7
1998
3.2
2011
3.7
2020
4.4
2000
Worst
Year
-4.5
2009
-3.4
2009
-3.9
2020
-3.9
2004
-2.2
2012
-2.3
2008
-1.8
1996
-2.8
1998
-3.1
2011
-4.4
2008
-1.1
2021
-1.3
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

Larry Swedroe Larry Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
227 Positive Months (70%) - 97 Negative Months (30%)
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
+3.41 -3.47 0.9 1.3 0.6 1.0 1.3 -0.2 -0.6 0.5 -1.4 0.2 -1.1 1.0
2020
+6.44 +5.07 -0.5 -1.1 -3.9 2.4 1.1 1.0 1.3 1.0 -0.7 0.0 3.7 2.1
2019
+10.64 +8.20 3.5 0.5 0.5 1.1 -1.4 2.5 -0.3 0.1 0.9 1.2 0.4 1.4
2018
-3.54 -5.36 0.3 -1.7 0.6 -0.5 1.1 -0.4 0.6 0.6 -1.0 -2.8 1.0 -1.3
2017
+7.74 +5.52 0.9 0.7 0.4 1.0 0.4 0.4 1.2 0.4 0.9 0.4 0.3 0.5
2016
+6.87 +4.72 -0.2 0.6 3.0 0.3 -0.3 1.3 1.7 -0.2 0.8 -1.3 0.2 0.7
2015
-0.54 -1.17 0.8 0.7 0.5 0.6 -0.2 -0.7 -0.4 -1.7 -0.2 1.4 -0.1 -1.2
2014
+2.38 +1.72 -0.4 1.4 0.0 0.0 1.0 0.7 -1.1 1.5 -2.4 1.8 0.2 -0.3
2013
+6.31 +4.73 0.8 0.6 0.8 0.8 -0.9 -1.5 1.8 -1.3 3.2 1.5 0.7 -0.4
2012
+7.27 +5.41 3.1 0.6 -0.1 0.2 -2.2 1.2 0.3 1.1 1.2 -0.5 0.9 1.4
2011
+3.23 +0.16 0.2 0.5 0.6 1.8 0.4 -0.5 0.8 -0.9 -3.1 3.2 0.0 0.4
2010
+10.82 +9.25 0.1 1.1 1.7 1.8 -2.1 -0.1 3.1 -0.6 3.4 1.6 -0.9 1.3
2009
+10.12 +7.11 -4.5 -3.4 4.0 3.4 1.8 -0.4 3.7 1.6 2.7 -1.4 2.6 0.0
2008
-2.44 -2.42 0.4 0.8 0.5 -0.5 0.0 -2.3 0.3 0.8 -1.7 -4.4 0.9 2.9
2007
+8.99 +4.69 0.3 1.0 0.9 1.3 0.4 -0.3 0.3 1.4 1.5 2.3 0.1 -0.4
2006
+9.57 +6.87 2.7 -0.2 0.7 0.7 -2.1 -0.1 0.6 1.9 0.8 2.2 2.0 0.2
2005
+6.71 +3.26 0.1 0.8 -1.4 0.2 1.8 1.4 0.8 1.2 0.1 -1.8 1.7 1.6
2004
+10.23 +6.66 1.5 1.8 1.4 -3.9 -0.1 1.6 -0.7 1.8 1.6 1.3 1.9 1.8
2003
+16.93 +14.60 -0.9 0.4 -0.4 2.7 4.6 1.1 -0.9 2.0 2.0 2.0 0.9 2.4
2002
+7.68 +5.07 0.8 1.3 0.4 2.8 0.6 -0.3 -1.6 1.8 0.0 0.1 0.3 1.4
2001
+6.47 +4.79 3.2 -0.4 -1.6 1.3 0.7 0.3 1.2 0.7 -2.4 2.8 -0.1 0.6
2000
+10.81 +7.12 -1.6 1.4 2.2 -1.1 -0.4 3.0 0.1 2.3 0.0 -0.1 0.0 4.4
1999
+4.08 +1.37 -0.1 -3.3 1.7 3.5 -0.8 2.0 -0.6 -0.8 0.3 -0.1 0.9 1.3
1998
+6.06 +4.38 0.9 2.5 1.3 0.2 -1.0 -0.3 -1.2 -2.8 3.7 1.1 1.0 0.6
1997
+8.62 +6.81 0.6 0.4 -1.6 1.0 2.7 2.0 2.7 -1.8 2.5 -1.0 -0.3 1.1
1996
+5.81 +2.35 1.4 -1.3 -0.1 0.4 0.4 0.6 -1.8 0.8 1.9 1.5 2.6 -0.8
1995
+18.99 +16.05 0.5 2.4 0.9 1.9 4.1 1.0 0.8 1.0 0.8 0.1 2.1 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:

  • IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
  • DLS - WisdomTree International SmallCp Div: simulated historical serie, up to December 2006
  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • IEI - iShares 3-7 Year Treasury Bond: simulated historical serie, up to December 2007
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