Data Source: from March 1987 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.53%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.17%
Current Month
July 2022

The Paul Boyer Portfolio is a Medium Risk portfolio and can be implemented with 5 ETFs.

It's exposed for 25% on the Stock Market and for 25% on Commodities.

In the last 30 Years, the Paul Boyer Portfolio obtained a 6.76% compound annual return, with a 7.17% standard deviation.

Asset Allocation and ETFs

The Paul Boyer Portfolio has the following asset allocation:

25% Stocks
50% Fixed Income
25% Commodities

The Paul Boyer Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
12.50 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
12.50 % IJR iShares Core S&P Small-Cap Equity, U.S., Small Cap
25.00 % TLT iShares 20+ Year Treasury Bond Bond, U.S., Long-Term
25.00 % SHY iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
25.00 % GLD SPDR Gold Trust Commodity, Gold
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 Paul Boyer Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on March 1987.

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.
PAUL BOYER 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(*)
Paul Boyer Portfolio -0.53 -0.17 -2.51 -11.10 -10.70 3.55 2.94 6.76
US Inflation Adjusted return -2.51 -14.56 -16.98 -0.05 0.47 4.18
Components
EEM
iShares MSCI Emerging Markets
-1.73 02:00PM
Jul 05 2022
-2.34 -5.14 -17.20 -25.55 1.56 2.33 6.09
IJR
iShares Core S&P Small-Cap
-1.20 01:59PM
Jul 05 2022
-0.27 -8.48 -18.93 -16.91 7.20 11.24 10.52
TLT
iShares 20+ Year Treasury Bond
1.60 02:00PM
Jul 05 2022
2.64 -1.27 -21.88 -19.11 0.34 1.51 6.36
SHY
iShares 1-3 Year Treasury Bond
0.01 01:59PM
Jul 05 2022
0.31 -0.59 -2.99 -3.55 0.78 0.65 3.26
GLD
SPDR Gold Trust
-2.25 01:59PM
Jul 05 2022
-2.33 -1.57 -1.46 1.71 7.38 0.82 5.43
(*) 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%

Portfolio Dividends

In 2021, the Paul Boyer Portfolio granted a 0.90% dividend yield. If you are interested in getting periodic income, please refer to the Paul Boyer Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Paul Boyer Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

PAUL BOYER PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from March 1987 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
-2.51
-2.51
-2.51
Jun 2022 - Jun 2022
0 - 1
3M
-7.86
-9.05
-7.86
Apr 2022 - Jun 2022
0 - 3
6M
-11.10
-14.56
-11.10
Jan 2022 - Jun 2022
1 - 5
YTD
-11.10
-14.56
-11.10
Jan 2022 - Jun 2022
1 - 5
1Y
-10.70
-16.98
6.05
-11.25
Sep 2021 - Jun 2022
5 - 7
42% pos
3Y(*)
2.52
-1.90
7.23
-11.30
Jun 2021 - Jun 2022
18 - 18
50% pos
5Y(*)
3.55
-0.05
6.57
-11.30
Jun 2021 - Jun 2022
34 - 26
57% pos
10Y(*)
2.94
0.47
6.46
-11.30
Jun 2021 - Jun 2022
68 - 52
57% pos
15Y(*)
5.47
3.10
7.68
-13.66
Mar 2008 - Oct 2008
106 - 74
59% pos
20Y(*)
7.01
4.45
7.48
-13.66
Mar 2008 - Oct 2008
149 - 91
62% pos
25Y(*)
6.47
3.95
7.42
-13.66
Mar 2008 - Oct 2008
182 - 118
61% pos
30Y(*)
6.76
4.18
7.17
-13.66
Mar 2008 - Oct 2008
221 - 139
61% pos
MAX(*)
01 Mar 1987
7.03
4.17
7.19
-13.66
Mar 2008 - Oct 2008
262 - 162
62% 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$, since July 1992, now would be worth 7106.47$, with a total return of 610.65% (6.76% annualized).

The Inflation Adjusted Capital now would be 3415.80$, with a net total return of 241.58% (4.18% annualized).
An investment of 1000$, since March 1987, now would be worth 11026.61$, with a total return of 1002.66% (7.03% annualized).

The Inflation Adjusted Capital now would be 4229.45$, with a net total return of 322.95% (4.17% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-13.66% Mar 2008 Oct 2008 8 Jul 2009 9 17
-11.30% Jun 2021 Jun 2022 13 in progress 13
-9.22% May 1998 Aug 1998 4 Apr 1999 8 12
-9.15% Feb 2015 Dec 2015 11 Jun 2016 6 17
-8.62% Oct 2012 Jun 2013 9 Jun 2014 12 21
-6.93% Feb 1994 Jan 1995 12 May 1995 4 16
-6.74% Aug 2016 Dec 2016 5 Jul 2017 7 12
-6.72% Feb 2018 Oct 2018 9 Jun 2019 8 17
-5.64% Apr 2004 Apr 2004 1 Oct 2004 6 7
-4.97% Mar 2000 May 2000 3 Jan 2001 8 11
-4.44% Jun 2002 Jul 2002 2 Dec 2002 5 7
-4.04% Oct 1997 Nov 1997 2 Mar 1998 4 6
-3.75% Feb 2001 Mar 2001 2 Aug 2001 5 7
-3.72% Sep 2014 Sep 2014 1 Jan 2015 4 5
-3.56% May 1999 Aug 1999 4 Sep 1999 1 5
-3.53% May 2006 Jun 2006 2 Oct 2006 4 6
-3.38% Jan 2021 Mar 2021 3 May 2021 2 5
-3.10% Feb 1996 Jul 1996 6 Nov 1996 4 10
-3.07% Aug 2020 Oct 2020 3 Dec 2020 2 5
-2.93% Feb 2012 May 2012 4 Aug 2012 3 7
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-13.66% Mar 2008 Oct 2008 8 Jul 2009 9 17
-11.30% Jun 2021 Jun 2022 13 in progress 13
-9.22% May 1998 Aug 1998 4 Apr 1999 8 12
-9.15% Feb 2015 Dec 2015 11 Jun 2016 6 17
-8.62% Oct 2012 Jun 2013 9 Jun 2014 12 21
-6.93% Feb 1994 Jan 1995 12 May 1995 4 16
-6.74% Aug 2016 Dec 2016 5 Jul 2017 7 12
-6.72% Feb 2018 Oct 2018 9 Jun 2019 8 17
-6.64% Aug 1987 Oct 1987 3 Jun 1988 8 11
-5.76% Aug 1990 Sep 1990 2 Jan 1991 4 6
-5.64% Apr 2004 Apr 2004 1 Oct 2004 6 7
-5.46% Jan 1990 Apr 1990 4 Jul 1990 3 7
-4.97% Mar 2000 May 2000 3 Jan 2001 8 11
-4.44% Jun 2002 Jul 2002 2 Dec 2002 5 7
-4.04% Oct 1997 Nov 1997 2 Mar 1998 4 6
-3.75% Feb 2001 Mar 2001 2 Aug 2001 5 7
-3.72% Sep 2014 Sep 2014 1 Jan 2015 4 5
-3.56% May 1999 Aug 1999 4 Sep 1999 1 5
-3.53% May 2006 Jun 2006 2 Oct 2006 4 6
-3.38% Jan 2021 Mar 2021 3 May 2021 2 5

Rolling Returns ( more details)

Paul Boyer Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
7.79 25.08
Jan 1993 - Dec 1993
-10.70
Jul 2021 - Jun 2022
11.86%
2 Years
7.87 20.38
Nov 2008 - Oct 2010
-1.97
Jul 2020 - Jun 2022
2.74%
3 Years
7.83 17.66
Nov 2008 - Oct 2011
-1.60
Jan 2013 - Dec 2015
1.54%
5 Years
7.74 14.45
Mar 2003 - Feb 2008
1.23
Feb 2012 - Jan 2017
0.00%
7 Years
7.62 12.56
Sep 2004 - Aug 2011
1.86
Nov 2011 - Oct 2018
0.00%
10 Years
7.68 11.91
Dec 2001 - Nov 2011
2.94
Jul 2012 - Jun 2022
0.00%
15 Years
8.03 9.26
Dec 1997 - Nov 2012
5.47
Jul 2007 - Jun 2022
0.00%
20 Years
8.06 9.42
Nov 1990 - Oct 2010
6.76
Feb 1996 - Jan 2016
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 Paul Boyer Portfolio: Rolling Returns page.

Seasonality

Paul Boyer 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 %
0.87
66%
0.39
57%
-0.14
50%
0.72
69%
0.53
67%
0.44
53%
0.76
60%
0.56
69%
0.59
54%
0.09
60%
0.81
63%
1.47
74%
Best
Year
5.0
2006
4.3
2000
2.9
2009
4.1
2020
5.2
2003
4.9
2016
5.5
2020
3.9
2019
4.9
1998
4.3
2007
5.6
2008
8.0
1991
Worst
Year
-4.6
2009
-2.8
1994
-3.0
1994
-5.6
2004
-3.2
2013
-3.9
2013
-2.8
2002
-4.7
1998
-3.7
2014
-9.0
2008
-3.5
2016
-2.2
2011
Statistics calculated for the period Mar 1987 - Jun 2022

Monthly/Yearly Returns

Paul Boyer Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
262 Positive Months (62%) - 162 Negative Months (38%)
Mar 1987 - 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
-11.10 -14.56 -2.5 0.6 -1.7 -4.6 -1.0 -2.5
2021
+0.51 -6.15 -0.5 -1.8 -1.1 1.8 2.4 -0.7 0.3 0.4 -2.3 1.5 -0.4 1.1
2020
+15.04 +13.59 1.9 0.2 -2.1 4.1 0.8 1.8 5.5 -0.8 -1.6 -0.7 1.8 3.3
2019
+13.97 +11.45 3.5 -0.1 0.8 0.2 0.1 4.0 -0.1 3.9 -1.0 1.2 -0.6 1.5
2018
-3.50 -5.31 1.3 -2.5 1.2 -1.0 0.8 -1.1 -0.1 0.1 -1.4 -2.8 1.4 0.8
2017
+11.87 +9.53 2.3 1.6 0.2 1.2 0.6 0.1 1.4 2.0 -0.6 0.4 0.6 1.5
2016
+7.19 +5.04 1.5 3.7 2.1 1.4 -1.8 4.9 2.3 -0.9 0.2 -2.6 -3.5 -0.1
2015
-5.29 -5.89 4.2 -2.0 -0.2 -0.3 -0.8 -1.6 -1.5 -1.1 -0.7 1.9 -1.9 -1.3
2014
+6.63 +5.94 0.9 2.7 -0.1 0.5 0.4 2.3 -1.3 2.3 -3.7 1.1 0.5 1.1
2013
-5.67 -7.07 -0.2 -1.0 0.6 -0.5 -3.2 -3.9 2.2 0.1 1.0 1.4 -1.0 -1.0
2012
+6.80 +4.95 5.0 -0.5 -1.4 0.7 -1.8 1.3 1.1 1.4 1.5 -1.3 0.6 0.1
2011
+8.99 +5.75 -2.8 2.4 1.5 3.6 0.0 -1.6 2.8 3.8 -2.7 3.3 0.9 -2.2
2010
+15.54 +13.90 -0.8 1.5 1.2 3.1 0.0 1.2 0.4 2.4 3.1 0.7 0.2 1.6
2009
+12.50 +9.42 -4.6 -2.1 2.9 1.4 4.5 -1.4 3.8 0.6 4.5 -0.9 5.6 -1.8
2008
+1.32 +1.34 1.9 1.5 -1.5 -0.5 0.4 -0.2 -0.8 -1.9 -0.7 -9.0 5.6 7.5
2007
+16.13 +11.54 0.7 1.2 0.2 1.6 0.0 -0.3 1.0 1.3 4.6 4.3 -0.9 1.4
2006
+12.57 +9.80 5.0 -0.6 0.8 3.5 -2.5 -1.1 1.4 0.9 -0.7 2.2 3.6 -0.4
2005
+11.99 +8.38 -0.4 1.9 -1.9 0.6 1.1 2.6 0.4 1.3 2.0 -2.1 3.2 2.8
2004
+9.39 +5.85 0.2 1.2 2.4 -5.6 0.7 1.3 -1.0 2.5 2.2 1.7 3.3 0.6
2003
+17.95 +15.60 0.9 -1.5 -1.4 2.5 5.2 -0.4 -0.4 3.4 2.1 1.6 1.6 3.1
2002
+9.85 +7.19 1.5 1.9 0.8 2.3 1.2 -1.7 -2.8 2.3 0.5 -0.4 1.0 3.1
2001
+3.66 +2.02 1.5 -1.1 -2.7 1.9 1.0 0.6 -0.1 1.0 -1.1 1.6 -0.2 1.2
2000
+2.00 -1.39 -1.2 4.3 -1.5 -2.0 -1.6 4.2 -1.4 1.9 -1.4 -1.5 -0.7 3.1
1999
+9.10 +6.25 -0.1 -2.0 1.1 4.0 -2.4 1.1 -1.4 -0.8 4.2 0.7 1.3 3.4
1998
+2.30 +0.69 0.8 1.4 1.4 1.0 -3.1 -0.1 -1.5 -4.7 4.9 1.2 1.6 -0.2
1997
+0.72 -0.96 -0.7 1.0 -2.3 0.1 2.8 1.1 2.0 -2.5 3.0 -3.3 -0.8 0.6
1996
+3.88 +0.49 2.7 -1.5 -0.3 0.3 0.6 -0.4 -1.8 1.0 1.2 0.8 1.5 -0.3
1995
+14.46 +11.63 -1.0 1.7 1.5 1.4 3.2 1.2 0.6 0.7 1.0 -0.2 1.8 1.7
1994
-5.01 -7.41 1.1 -2.8 -3.0 -0.5 0.9 -0.8 1.4 1.9 -0.8 -0.5 -1.7 -0.1
1993
+25.08 +21.66 3.2 0.8 2.7 1.7 1.2 2.9 2.9 0.8 -0.7 3.5 -1.4 5.3
1992
+3.02 +0.05 0.4 -0.1 -1.7 -0.1 3.2 -1.7 3.7 -1.9 0.8 -0.8 0.6 0.7
1991
+24.71 +21.10 1.1 3.4 0.4 1.1 3.0 -1.7 1.1 3.1 2.0 2.5 -1.4 8.0
1990
+0.64 -5.28 -1.7 -0.4 -2.1 -1.4 3.2 0.8 3.3 -4.7 -1.1 0.5 2.7 1.8
1989
+21.34 +15.96 1.9 0.4 -0.5 2.5 2.3 1.7 1.5 1.5 2.9 0.2 3.1 2.1
1988
+7.47 +2.92 3.3 0.4 0.4 -0.2 -0.6 3.6 -1.2 -1.2 0.6 1.7 -0.5 0.9
1987
- - -1.9 0.2 -1.6 0.6 2.9 -0.5 -1.3 -4.9 0.8 0.6

Portofolio Returns, up to December 2004, 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:

  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
  • TLT - iShares 20+ Year Treasury Bond: simulated historical serie, up to December 2002
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • GLD - SPDR Gold Trust: simulated historical serie, up to December 2004

Portfolio efficiency

Is the Paul Boyer Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Paul Boyer 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)
+6.47%
(+3.95%)
Bad : 1.5 / 5
Average : 2.5 / 5
Standard Deviation
over 25 Years
7.42%
Average : 2.2 / 5
Good : 4 / 5
Maximum Drawdown
over 25 Years
-13.66%
Excellent : 5 / 5
Excellent : 4.4 / 5
Easy to manage 5 ETFs
Average : 3 / 5
Average : 3 / 5
Rating assigned considering all the Medium Risk Portfolios Rating assigned considering all the Portfolios in the database

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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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