Data Source: from January 1994 to December 2021

Last Update: 31 December 2021

The Merrill Lynch Edge Select Conservative Portfolio is exposed for 21% on the Stock Market.

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

In the last 10 years, the portfolio obtained a 4.76% compound annual return, with a 3.33% standard deviation.

In the last 25 years, a 5.33% compound annual return, with a 3.86% standard deviation.

Asset Allocation and ETFs

The Merrill Lynch Edge Select Conservative Portfolio has the following asset allocation:

21% Stocks
79% Fixed Income
0% Commodities

The Merrill Lynch Edge Select Conservative Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
8.00 % VTV Vanguard Value Equity, U.S., Large Cap, Value
5.00 % VUG Vanguard Growth Equity, U.S., Large Cap, Growth
5.00 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
1.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
1.00 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
1.00 % IJT iShares S&P Small-Cap 600 Growth Equity, U.S., Small Cap, Growth
24.00 % BIL SPDR Blmbg Barclays 1-3 Mth T-Bill Bond, U.S., Ultra Short-Term
17.00 % IEI iShares 3-7 Year Treasury Bond Bond, U.S., Intermediate-Term
12.00 % MBB iShares MBS Bond, U.S., Long-Term
12.00 % BNDX Vanguard Total International Bond Bond, Developed Markets, All-Term
10.00 % LQD iShares Investment Grade Corporate Bond Bond, U.S., All-Term
4.00 % 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 Merrill Lynch Edge Select Conservative Portfolio guaranteed the following returns.

MERRILL LYNCH EDGE SELECT CONSERVATIVE PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Merrill Lynch Edge Select Conservative Portfolio +0.97 +1.49 +1.10 +3.46 +7.04 +5.31 +4.76 +4.97 +5.33
--- Inflation Adjusted return +0.50 -0.70 -2.22 -3.42 +3.39 +2.32 +2.59 +2.60 +2.97
Components
VTV
Vanguard Value
+6.95 +9.34 +8.31 +26.51 +17.58 +12.48 +13.74 +8.48 +8.66
VUG
Vanguard Growth
+1.57 +10.75 +12.16 +27.34 +34.75 +24.75 +19.30 +10.83 +10.88
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
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
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
IJT
iShares S&P Small-Cap 600 Growth
+4.86 +6.91 +5.11 +22.37 +20.85 +14.08 +15.16 +11.20 +10.39
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
0.00 -0.03 -0.04 -0.10 +0.77 +0.95 +0.45 +1.12 +1.86
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
MBB
iShares MBS
-0.13 -0.64 -0.49 -1.43 +2.89 +2.39 +2.06 +3.40 +4.13
BNDX
Vanguard Total International Bond
-0.74 -0.14 -0.17 -2.28 +3.32 +3.03 +3.80 +4.96 +5.22
LQD
iShares Investment Grade Corporate Bond
-0.03 +0.38 -0.08 -1.85 +8.53 +5.66 +4.94 +5.65 +5.93
HYG
iShares iBoxx $ High Yield Corporate Bond
+2.28 +0.77 +1.12 +3.75 +7.34 +5.14 +5.23 +5.81 +5.51
(*) 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 1.51% dividend yield. If you are interested in getting periodic income, please refer to the Merrill Lynch Edge Select Conservative Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Merrill Lynch Edge Select Conservative Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

MERRILL LYNCH EDGE SELECT CONSERVATIVE 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
+0.97%
+0.50%
0.00%
1 - 0
3M
+1.49%
-0.70%
-0.49%
Nov 2021 - Nov 2021
2 - 1
6M
+1.10%
-2.22%
-1.41%
Sep 2021 - Sep 2021
4 - 2
YTD
+3.46%
-3.42%
2.40%
-1.41%
Sep 2021 - Sep 2021
8 - 4
67% pos
1Y
+3.46%
-3.42%
2.40%
-1.41%
Sep 2021 - Sep 2021
8 - 4
67% pos
3Y
+7.04%
annualized
+3.39%
annualized
4.20%
-4.57%
Feb 2020 - Mar 2020
27 - 9
75% pos
5Y
+5.31%
annualized
+2.32%
annualized
3.65%
-4.57%
Feb 2020 - Mar 2020
46 - 14
77% pos
10Y
+4.76%
annualized
+2.59%
annualized
3.33%
-4.57%
Feb 2020 - Mar 2020
87 - 33
73% pos
20Y
+4.97%
annualized
+2.60%
annualized
3.81%
-10.97%
May 2008 - Feb 2009
172 - 68
72% pos
25Y
+5.33%
annualized
+2.97%
annualized
3.86%
-10.97%
May 2008 - Feb 2009
211 - 89
70% pos
MAX
01 Jan 1994
+5.60%
annualized
+3.18%
annualized
3.86%
-10.97%
May 2008 - Feb 2009
239 - 97
71% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Merrill Lynch Edge Select Conservative Portfolio actually efficient, compared to other Lazy Portfolios?

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
High Yield Bonds Income
+6.94% -23.98% 0 100 0 Compare
All Country World 20/80
+6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
+6.06% -8.42% 20 80 0 Compare
Vanguard LifeStrategy Income Fund
Vanguard
+5.87% -10.54% 20 80 0 Compare
US Inflation Protection
+5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Merrill Lynch Edge Select Conservative Portfolio. The 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)
+5.33%
(+2.97%)
Good : 3.5 / 5
Bad : 1.8 / 5
Standard Deviation
over 25 Years
3.86%
Good : 3.3 / 5
Excellent : 4.8 / 5
Maximum Drawdown
over 25 Years
-10.97%
Average : 2.6 / 5
Excellent : 4.6 / 5
Easy to manage 12 ETFs
Poor : 1 / 5
Poor : 1 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 3664.39$, with a total return of 266.44% (5.33% annualized).

The Inflation Adjusted Capital now would be 2080.73$, with a net total return of 108.07% (2.97% 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
-10.97% May 2008 Feb 2009 10 Aug 2009 6 16
-4.57% Feb 2020 Mar 2020 2 Jun 2020 3 5
-2.88% Jun 2011 Sep 2011 4 Dec 2011 3 7
-2.46% May 2015 Sep 2015 5 Mar 2016 6 11
-2.43% Jul 1998 Aug 1998 2 Sep 1998 1 3
-2.30% May 2013 Jun 2013 2 Oct 2013 4 6
-2.26% Sep 2018 Dec 2018 4 Jan 2019 1 5
-1.95% Jun 2002 Jul 2002 2 Nov 2002 4 6
-1.89% Feb 2001 Mar 2001 2 Jul 2001 4 6
-1.82% Apr 2004 Apr 2004 1 Aug 2004 4 5
-1.66% May 2010 May 2010 1 Jul 2010 2 3
-1.58% Aug 1997 Aug 1997 1 Sep 1997 1 2
-1.57% Feb 1999 Feb 1999 1 Apr 1999 2 3
-1.52% May 2012 May 2012 1 Jul 2012 2 3
-1.47% Feb 2018 Apr 2018 3 Jul 2018 3 6
-1.41% Sep 2021 Sep 2021 1 Dec 2021 3 4
-1.36% Aug 2001 Sep 2001 2 Oct 2001 1 3
-1.32% Oct 2016 Nov 2016 2 Feb 2017 3 5
-1.22% Mar 1997 Mar 1997 1 Apr 1997 1 2
-1.16% Jan 2000 Jan 2000 1 Mar 2000 2 3

Rolling Returns ( more details)

Merrill Lynch Edge Select Conservative Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+5.84% +17.99%
Jan 1995 - Dec 1995
-10.34%
Mar 2008 - Feb 2009
5.23%
2 Years
+5.73% +13.12%
Dec 1994 - Nov 1996
-3.26%
Mar 2007 - Feb 2009
2.88%
3 Years
+5.62% +11.35%
Mar 1995 - Feb 1998
+0.13%
Mar 2006 - Feb 2009
0.00%
5 Years
+5.45% +10.00%
Jan 1995 - Dec 1999
+2.06%
Mar 2004 - Feb 2009
0.00%
7 Years
+5.34% +8.46%
Dec 1994 - Nov 2001
+3.44%
Mar 2002 - Feb 2009
0.00%
10 Years
+5.35% +7.72%
Jan 1995 - Dec 2004
+3.92%
Mar 1999 - Feb 2009
0.00%
15 Years
+5.28% +6.65%
Dec 1994 - Nov 2009
+4.40%
Jan 2004 - Dec 2018
0.00%
20 Years
+5.33% +6.38%
Dec 1994 - Nov 2014
+4.59%
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 Merrill Lynch Edge Select Conservative Portfolio: Rolling Returns page.

Seasonality

Merrill Lynch Edge Select Conservative 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 %
0.46
64%
0.17
68%
0.25
75%
0.84
89%
0.34
64%
0.31
71%
0.64
71%
0.33
71%
0.32
61%
0.49
71%
0.62
71%
0.76
75%
Best
Year
2.6
2019
1.8
1998
2.3
2009
3.1
2009
2.9
1995
2.4
2019
3.3
2009
1.8
2000
2.9
1998
2.7
2011
3.1
2020
3.5
2008
Worst
Year
-2.4
2009
-3.1
2009
-3.6
2020
-1.8
2004
-1.7
2010
-1.9
2008
-1.2
2003
-2.4
1998
-3.4
2008
-4.3
2008
-0.9
1994
-0.9
2018
Statistics calculated for the period Jan 1994 - Dec 2021

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

Monthly/Yearly Returns

Merrill Lynch Edge Select Conservative Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
239 Positive Months (71%) - 97 Negative Months (29%)
Jan 1994 - 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
+3.46 -3.42 -0.2 0.0 0.5 1.1 0.5 0.5 0.6 0.4 -1.4 1.0 -0.5 1.0
2020
+6.74 +5.37 0.5 -1.0 -3.6 2.9 1.3 0.8 1.7 0.8 -0.6 -0.4 3.1 1.2
2019
+11.07 +8.62 2.6 0.7 1.2 0.9 -0.8 2.4 0.3 0.6 0.4 0.7 0.6 0.9
2018
-1.01 -2.88 0.6 -1.3 0.1 -0.3 0.5 0.0 0.9 0.6 -0.2 -1.9 0.7 -0.9
2017
+6.67 +4.47 0.5 1.0 0.2 0.7 0.7 0.1 0.8 0.5 0.4 0.6 0.5 0.6
2016
+4.67 +2.57 -0.5 0.3 2.1 0.5 0.2 1.1 1.2 0.1 0.2 -0.9 -0.4 0.7
2015
-0.16 -0.79 0.6 0.8 -0.1 0.3 -0.1 -1.0 0.6 -1.6 -0.3 1.7 -0.2 -0.7
2014
+4.82 +4.14 -0.1 1.3 0.1 0.5 1.0 0.6 -0.6 1.4 -1.0 1.0 0.7 -0.2
2013
+5.12 +3.56 0.7 0.5 0.8 1.1 -0.9 -1.4 1.5 -1.1 1.6 1.5 0.6 0.2
2012
+6.74 +4.89 1.7 1.1 0.2 0.3 -1.5 1.3 1.0 0.7 1.0 -0.1 0.3 0.6
2011
+3.69 +0.61 0.5 0.9 0.1 1.6 0.3 -0.5 0.4 -0.9 -1.9 2.7 -0.6 1.1
2010
+7.47 +5.95 -0.1 0.8 1.4 0.9 -1.7 0.1 2.3 0.0 2.1 1.0 -0.7 1.1
2009
+10.64 +7.61 -2.4 -3.1 2.3 3.1 2.1 0.4 3.3 1.3 2.0 -0.5 2.1 0.0
2008
-5.32 -5.30 -0.1 -0.1 0.0 0.7 -0.3 -1.9 0.1 0.3 -3.4 -4.3 0.2 3.5
2007
+5.55 +1.38 0.4 0.6 0.5 1.2 0.4 -0.5 -0.3 1.0 1.6 1.0 -0.2 -0.1
2006
+7.57 +4.92 1.0 0.3 0.1 0.5 -0.8 0.1 0.9 1.4 0.9 1.3 1.4 0.2
2005
+4.31 +0.94 -0.1 0.5 -0.8 0.3 1.2 0.7 0.5 0.7 0.1 -1.0 1.1 1.0
2004
+6.35 +2.91 0.8 1.0 0.3 -1.8 0.0 0.8 -0.2 1.3 0.7 1.0 1.0 1.4
2003
+10.38 +8.18 -0.5 0.4 0.0 2.3 2.5 0.4 -1.2 0.9 1.4 1.0 0.5 2.1
2002
+2.13 -0.34 0.0 0.3 0.3 0.4 0.4 -0.8 -1.1 1.1 -0.8 1.0 1.0 0.4
2001
+2.93 +1.31 1.9 -1.1 -0.8 1.2 0.3 -0.4 1.1 -0.2 -1.2 1.7 0.5 -0.1
2000
+5.85 +2.33 -1.2 0.7 2.2 -0.7 -0.3 1.7 0.2 1.8 -0.2 0.2 -0.5 1.9
1999
+5.52 +2.77 1.1 -1.6 1.4 1.6 -1.1 0.9 -0.5 -0.3 0.2 1.3 0.7 1.6
1998
+10.67 +8.92 0.9 1.8 1.0 0.8 -0.1 0.7 0.0 -2.4 2.9 1.9 1.2 1.6
1997
+9.16 +7.34 0.5 0.3 -1.2 1.2 2.4 1.8 2.3 -1.6 2.3 -0.4 0.5 0.8
1996
+7.09 +3.59 0.8 -0.4 0.1 0.4 0.3 0.6 -0.5 0.6 1.8 1.5 2.4 -0.7
1995
+17.99 +15.07 1.0 1.6 1.1 1.8 2.9 0.6 1.2 0.8 1.4 0.6 2.1 1.5
1994
-0.59 -3.10 1.8 -1.5 -2.1 0.0 0.2 -0.4 1.3 0.9 -1.0 0.6 -0.9 0.6

* Note:
Portofolio Returns, up to December 2013, 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:

  • VTV - Vanguard Value: simulated historical serie, up to December 2004
  • VUG - Vanguard Growth: simulated historical serie, up to December 2004
  • VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
  • IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • IJT - iShares S&P Small-Cap 600 Growth: simulated historical serie, up to December 2000
  • BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill: simulated historical serie, up to December 2007
  • IEI - iShares 3-7 Year Treasury Bond: simulated historical serie, up to December 2007
  • MBB - iShares MBS: simulated historical serie, up to December 2007
  • BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
  • LQD - iShares Investment Grade Corporate Bond: simulated historical serie, up to December 2002
  • HYG - iShares iBoxx $ High Yield Corporate Bond: simulated historical serie, up to December 2007
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