Last Update: 31 March 2021

The Pinwheel Portfolio is exposed for 65% on the Stock Market and for 10% on Commodities.

It's a High Risk portfolio and it can be replicated with 8 ETFs.

In the last 10 years, the portfolio obtained a 6.77% compound annual return, with a 9.45% standard deviation.

In 2020, the portfolio granted a 1.62% dividend yield. If you are interested in getting periodic income, please refer to the Pinwheel Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Pinwheel Portfolio has the following asset allocation:

65% Stocks
25% Fixed Income
10% Commodities

The Pinwheel Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
15.00 % EFA iShares MSCI EAFE Equity, EAFE, Large Cap
15.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
15.00 % VNQ Vanguard Real Estate Real Estate, U.S.
10.00 % EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
10.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
15.00 % IEI iShares 3-7 Year Treasury Bond Bond, U.S., Intermediate-Term
10.00 % BIL SPDR Blmbg Barclays 1-3 Mth T-Bill Bond, U.S., Ultra Short-Term
10.00 % 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 Pinwheel Portfolio guaranteed the following returns.

PINWHEEL PORTFOLIO RETURNS (%)
Last Update: 31 March 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Pinwheel Portfolio +2.05 +4.29 +14.99 +33.87 +8.80 +8.68 +6.77
Components
EFA - iShares MSCI EAFE +2.51 +3.99 +20.36 +45.32 +5.89 +8.92 +5.45
VTI - Vanguard Total Stock Market +3.65 +6.54 +22.26 +62.90 +17.17 +16.69 +13.80
VNQ - Vanguard Real Estate +5.15 +8.79 +18.88 +36.73 +11.00 +6.13 +8.91
EEM - iShares MSCI Emerging Markets -0.73 +3.23 +22.24 +58.83 +5.68 +11.59 +3.05
IJS - iShares S&P Small-Cap 600 Value +5.61 +24.32 +65.15 +104.15 +11.88 +13.92 +11.91
IEI - iShares 3-7 Year Treasury Bond -0.84 -2.20 -2.38 -1.65 +4.22 +2.21 +2.70
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill -0.01 -0.02 -0.02 -0.07 +1.26 +0.98 +0.45
GLD - SPDR Gold Trust -1.14 -10.32 -9.69 +8.04 +8.34 +6.34 +1.35
(*) 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

If you are interested in getting periodic income, please refer to the Pinwheel Portfolio: Dividend Yield page.

Historical Returns

Pinwheel Portfolio - Historical returns and stats.

PINWHEEL PORTFOLIO
Last Update: 31 March 2021
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Period Returns
Mar 2021		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+2.05%
0.00%
1 - 0
3M
+4.29%
0.00%
3 - 0
6M
+14.99%
-0.92%
Oct 2020 - Oct 2020
5 - 1
YTD
+4.29%
0.00%
3 - 0
1Y
+33.87%
8.89%
-3.16%
Sep 2020 - Oct 2020
10 - 2
3Y
+8.80%
annualized
11.50%
-14.99%
Jan 2020 - Mar 2020
26 - 10
5Y
+8.68%
annualized
9.46%
-14.99%
Jan 2020 - Mar 2020
45 - 15
10Y
+6.77%
annualized
9.45%
-14.99%
Jan 2020 - Mar 2020
78 - 42
MAX
01 Jan 2002
+8.24%
annualized
10.83%
-36.89%
Nov 2007 - Feb 2009
152 - 79

* Annualized St.Dev. of monthly returns

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Portfolio 10Y Return ▾ Stocks Bonds Comm.
Simple Path to Wealth
JL Collins		 +11.30% 75 25 0 Compare
Stocks/Bonds 60/40
 +9.76% 60 40 0 Compare
Edge Select Moderately Aggressive
Merrill Lynch		 +8.97% 69 31 0 Compare
Yale Endowment
David Swensen		 +8.90% 70 30 0 Compare
Talmud Portfolio
Roger Gibson		 +8.90% 66.67 33.33 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Pinwheel Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +8.69% +44.78%
Mar 2009 - Feb 2010 		-32.48%
Mar 2008 - Feb 2009 		17.73%
2 Years
 +8.38% +31.96%
Mar 2009 - Feb 2011 		-16.44%
Mar 2007 - Feb 2009 		10.10%
3 Years
 +8.03% +22.39%
Apr 2003 - Mar 2006 		-6.91%
Mar 2006 - Feb 2009 		5.61%
5 Years
 +7.55% +17.92%
Nov 2002 - Oct 2007 		+1.11%
Mar 2004 - Feb 2009 		0.00%
7 Years
 +7.22% +11.82%
Apr 2003 - Mar 2010 		+3.52%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +7.49% +11.01%
Apr 2003 - Mar 2013 		+5.03%
Dec 2006 - Nov 2016 		0.00%
15 Years
 +7.67% +9.34%
Feb 2003 - Jan 2018 		+6.08%
Apr 2005 - 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 Pinwheel Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Pinwheel Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.4 0.2 0.9 1.9 0.2 0.1 1.2 0.4 0.3 0.5 1.2 1.4
Best 6.7
2019 		3.9
2014 		5.6
2016 		9.6
2009 		5.9
2009 		4.5
2019 		6.9
2009 		3.5
2009 		6.2
2010 		8.5
2011 		6.9
2020 		5.7
2008
Worst -7.8
2009 		-7.6
2009 		-10.3
2020 		-5.8
2004 		-5.7
2012 		-5.3
2008 		-5.8
2002 		-4.0
2015 		-8.2
2011 		-15.8
2008 		-4.5
2008 		-4.3
2018
Gain
Frequency		 55 60 80 89 58 53 68 68 63 63 63 68

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
 +4.29% 0.4 1.8 2.1
2020
 +9.12% -0.8 -4.5 -10.3 6.4 2.6 2.4 4.0 2.4 -2.3 -0.9 6.9 4.1
2019
 +19.31% 6.7 1.2 0.8 1.7 -3.2 4.5 0.1 0.2 1.3 1.9 0.5 2.4
2018
 -6.39% 2.0 -3.7 0.5 0.1 1.0 -0.2 1.4 0.5 -0.8 -4.5 1.8 -4.3
2017
 +14.08% 1.9 1.9 0.4 1.1 0.8 0.6 1.9 0.5 1.1 0.8 1.3 1.0
2016
 +8.63% -2.4 0.9 5.6 0.9 -0.5 2.5 3.1 -0.8 0.4 -2.4 -0.2 1.6
2015
 -2.88% 1.3 1.3 -0.3 0.2 -0.1 -1.9 -0.1 -4.0 -1.4 4.4 -0.8 -1.4
2014
 +6.12% -1.3 3.9 0.1 0.8 1.1 1.9 -1.5 2.0 -4.0 2.7 0.7 -0.3
2013
 +9.02% 2.3 -0.3 1.7 1.6 -1.8 -2.5 3.4 -2.2 3.6 2.8 -0.1 0.6
2012
 +12.60% 5.6 1.5 1.0 -0.2 -5.7 3.7 0.6 1.8 1.8 -0.9 0.9 2.2
2011
 -0.25% 0.2 2.8 0.4 3.7 -0.7 -1.5 0.3 -3.1 -8.2 8.5 -0.8 -0.8
2010
 +16.08% -3.0 2.4 4.8 2.5 -4.9 -2.4 5.3 -1.7 6.2 3.1 -0.9 4.5
2009
 +24.19% -7.8 -7.6 5.1 9.6 5.9 -1.4 6.9 3.5 4.6 -2.2 5.3 1.7
2008
 -22.51% -2.0 -0.3 0.0 2.7 1.0 -5.3 -0.4 -1.0 -3.9 -15.8 -4.5 5.7
2007
 +7.60% 2.3 -0.5 0.8 2.0 1.5 -1.7 -2.1 1.7 4.4 3.6 -3.8 -0.7
2006
 +19.78% 5.8 -0.3 2.6 2.3 -3.3 0.3 1.2 1.8 0.4 3.6 3.4 0.7
2005
 +11.02% -2.6 2.8 -2.2 0.0 1.7 2.3 3.3 0.1 2.4 -2.5 3.5 2.1
2004
 +15.19% 1.4 1.6 1.8 -5.8 1.8 2.0 -1.9 2.5 1.9 2.4 4.7 2.5
2003
 +28.19% -1.3 -1.4 -0.5 5.2 5.4 1.3 2.3 2.8 1.3 3.9 2.2 4.2
2002
 -2.13% -0.2 1.2 3.5 0.8 0.4 -2.3 -5.8 0.8 -4.1 1.0 3.2 0.0

* 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:

VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004

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

BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill: simulated historical serie, up to December 2007

GLD - SPDR Gold Trust: simulated historical serie, up to December 2004

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