Data Source: from January 1986 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 03:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.65%
1 Day
Jul 05 2022, 03:00PM Eastern Time
0.15%
Current Month
July 2022

The Rick Ferri Core Four Portfolio is a Very High Risk portfolio and can be implemented with 4 ETFs.

It's exposed for 80% on the Stock Market.

In the last 30 Years, the Rick Ferri Core Four Portfolio obtained a 8.16% compound annual return, with a 11.73% standard deviation.

Asset Allocation and ETFs

The Rick Ferri Core Four Portfolio has the following asset allocation:

80% Stocks
20% Fixed Income
0% Commodities

The Rick Ferri Core Four Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
48.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
24.00 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
8.00 % VNQ Vanguard Real Estate Real Estate, U.S.
20.00 % BND Vanguard Total Bond Market Bond, U.S., All-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 Rick Ferri Core Four Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1986.

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.
RICK FERRI CORE FOUR PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 03:00PM 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(*)
Rick Ferri Core Four Portfolio -0.65 0.15 -6.67 -18.12 -13.56 6.63 8.36 8.16
US Inflation Adjusted return -6.67 -21.30 -19.65 2.92 5.76 5.55
Components
VTI
Vanguard Total Stock Market
-0.20 02:59PM
Jul 05 2022
0.85 -8.23 -21.32 -14.17 10.53 12.52 9.81
VEU
Vanguard FTSE All-World ex-US
-2.22 03:00PM
Jul 05 2022
-2.24 -7.68 -17.38 -18.51 2.89 5.19 5.29
VNQ
Vanguard Real Estate
-0.86 03:00PM
Jul 05 2022
0.93 -7.46 -20.54 -8.02 5.69 7.49 9.57
BND
Vanguard Total Bond Market
0.23 02:59PM
Jul 05 2022
1.03 -1.66 -10.35 -10.42 0.84 1.40 4.63
(*) 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 Rick Ferri Core Four Portfolio granted a 2.20% dividend yield. If you are interested in getting periodic income, please refer to the Rick Ferri Core Four Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Rick Ferri Core Four Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

RICK FERRI CORE FOUR PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1986 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
-6.67
-6.67
-6.67
Jun 2022 - Jun 2022
0 - 1
3M
-13.21
-14.33
-13.21
Apr 2022 - Jun 2022
1 - 2
6M
-18.12
-21.30
-18.12
Jan 2022 - Jun 2022
2 - 4
YTD
-18.12
-21.30
-18.12
Jan 2022 - Jun 2022
2 - 4
1Y
-13.56
-19.65
12.81
-18.12
Jan 2022 - Jun 2022
6 - 6
50% pos
3Y(*)
5.65
1.09
14.59
-18.12
Jan 2022 - Jun 2022
23 - 13
64% pos
5Y(*)
6.63
2.92
13.12
-18.12
Jan 2022 - Jun 2022
41 - 19
68% pos
10Y(*)
8.36
5.76
10.75
-18.12
Jan 2022 - Jun 2022
82 - 38
68% pos
15Y(*)
6.06
3.67
13.34
-44.44
Nov 2007 - Feb 2009
113 - 67
63% pos
20Y(*)
7.71
5.13
12.40
-44.44
Nov 2007 - Feb 2009
159 - 81
66% pos
25Y(*)
6.95
4.42
12.44
-44.44
Nov 2007 - Feb 2009
190 - 110
63% pos
30Y(*)
8.16
5.55
11.73
-44.44
Nov 2007 - Feb 2009
238 - 122
66% pos
MAX(*)
01 Jan 1986
8.90
6.02
11.90
-44.44
Nov 2007 - Feb 2009
295 - 143
67% 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$, since July 1992, now would be worth 10515.88$, with a total return of 951.59% (8.16% annualized).

The Inflation Adjusted Capital now would be 5054.57$, with a net total return of 405.46% (5.55% annualized).
An investment of 1000$, since January 1986, now would be worth 22467.09$, with a total return of 2146.71% (8.90% annualized).

The Inflation Adjusted Capital now would be 8440.36$, with a net total return of 744.04% (6.02% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-44.44% Nov 2007 Feb 2009 16 Feb 2011 24 40
-27.90% Sep 2000 Sep 2002 25 Feb 2004 17 42
-18.12% Jan 2022 Jun 2022 6 in progress 6
-17.12% Jan 2020 Mar 2020 3 Jul 2020 4 7
-15.17% May 2011 Sep 2011 5 Mar 2012 6 11
-12.55% Jul 1998 Aug 1998 2 Nov 1998 3 5
-10.12% Sep 2018 Dec 2018 4 Apr 2019 4 8
-8.57% Jun 2015 Feb 2016 9 Jul 2016 5 14
-6.30% Apr 2012 May 2012 2 Aug 2012 3 5
-5.46% Apr 2000 May 2000 2 Aug 2000 3 5
-5.04% Feb 1994 Mar 1994 2 Mar 1995 12 14
-4.54% Feb 2018 Mar 2018 2 Aug 2018 5 7
-4.20% May 2019 May 2019 1 Jun 2019 1 2
-4.11% Aug 1997 Aug 1997 1 Sep 1997 1 2
-4.07% Sep 2020 Oct 2020 2 Nov 2020 1 3
-3.96% Nov 1993 Nov 1993 1 Jan 1994 2 3
-3.84% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.74% Oct 1997 Oct 1997 1 Jan 1998 3 4
-3.72% Sep 2021 Sep 2021 1 Oct 2021 1 2
-3.58% Apr 2004 Apr 2004 1 Oct 2004 6 7
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-44.44% Nov 2007 Feb 2009 16 Feb 2011 24 40
-27.90% Sep 2000 Sep 2002 25 Feb 2004 17 42
-19.07% Sep 1987 Nov 1987 3 Jan 1989 14 17
-18.12% Jan 2022 Jun 2022 6 in progress 6
-17.12% Jan 2020 Mar 2020 3 Jul 2020 4 7
-15.17% May 2011 Sep 2011 5 Mar 2012 6 11
-14.61% Jan 1990 Sep 1990 9 Feb 1991 5 14
-12.55% Jul 1998 Aug 1998 2 Nov 1998 3 5
-10.12% Sep 2018 Dec 2018 4 Apr 2019 4 8
-8.57% Jun 2015 Feb 2016 9 Jul 2016 5 14
-6.30% Apr 2012 May 2012 2 Aug 2012 3 5
-5.46% Apr 2000 May 2000 2 Aug 2000 3 5
-5.04% Feb 1994 Mar 1994 2 Mar 1995 12 14
-4.54% Feb 2018 Mar 2018 2 Aug 2018 5 7
-4.50% Sep 1986 Sep 1986 1 Jan 1987 4 5
-4.20% May 2019 May 2019 1 Jun 2019 1 2
-4.11% Aug 1997 Aug 1997 1 Sep 1997 1 2
-4.07% Sep 2020 Oct 2020 2 Nov 2020 1 3
-4.00% Jun 1991 Jun 1991 1 Aug 1991 2 3
-3.96% Nov 1993 Nov 1993 1 Jan 1994 2 3

Rolling Returns ( more details)

Rick Ferri Core Four Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
9.82 50.17
Mar 2009 - Feb 2010
-37.84
Mar 2008 - Feb 2009
18.74%
2 Years
9.13 34.70
Mar 2009 - Feb 2011
-21.61
Mar 2007 - Feb 2009
11.81%
3 Years
8.87 23.15
Mar 2009 - Feb 2012
-11.08
Mar 2006 - Feb 2009
10.92%
5 Years
8.65 19.13
Mar 2009 - Feb 2014
-2.71
Mar 2004 - Feb 2009
1.58%
7 Years
8.53 15.17
Oct 1990 - Sep 1997
0.61
Mar 2002 - Feb 2009
0.00%
10 Years
8.45 13.78
Oct 1990 - Sep 2000
0.83
Mar 1999 - Feb 2009
0.00%
15 Years
7.90 12.43
Feb 1986 - Jan 2001
4.79
Mar 1994 - Feb 2009
0.00%
20 Years
7.93 10.69
Feb 1986 - Jan 2006
5.22
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 Rick Ferri Core Four Portfolio: Rolling Returns page.

Seasonality

Rick Ferri Core Four 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 %
0.65
59%
0.61
59%
1.01
73%
1.65
81%
0.74
68%
0.21
65%
1.20
67%
0.03
64%
-0.19
56%
0.38
64%
1.09
69%
1.89
83%
Best
Year
9.7
1987
6.7
1986
7.2
1986
10.4
2009
7.4
1990
5.2
2019
7.4
2009
5.8
1986
7.2
2010
9.0
2011
9.6
2020
7.4
1991
Worst
Year
-8.8
2009
-8.8
2009
-11.9
2020
-7.1
2022
-6.6
2010
-6.7
2008
-6.5
2002
-11.4
1998
-7.3
2011
-16.5
2008
-5.6
2008
-6.0
2018
Statistics calculated for the period Jan 1986 - Jun 2022

Monthly/Yearly Returns

Rick Ferri Core Four Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
295 Positive Months (67%) - 143 Negative Months (33%)
Jan 1986 - 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
-18.12 -21.30 -4.6 -2.4 1.3 -7.1 0.1 -6.7
2021
+17.18 +9.41 -0.2 2.0 2.4 3.9 1.1 1.5 1.1 1.9 -3.7 4.6 -1.9 3.6
2020
+13.93 +12.49 -0.4 -5.6 -11.9 8.9 3.9 2.4 4.2 4.3 -2.4 -1.8 9.6 3.9
2019
+24.04 +21.29 7.1 2.2 1.6 2.6 -4.2 5.2 0.4 -0.8 1.6 2.0 2.0 2.4
2018
-6.41 -8.17 3.3 -3.9 -0.7 0.2 1.2 0.2 2.3 1.5 -0.1 -6.0 1.8 -6.0
2017
+17.86 +15.40 1.9 2.5 0.6 1.2 1.3 0.8 1.9 0.4 1.6 1.5 1.8 1.2
2016
+8.53 +6.35 -4.1 -0.4 6.3 0.7 0.8 0.9 3.4 -0.1 0.3 -2.1 1.0 1.9
2015
-0.67 -1.30 -0.3 3.5 -0.7 0.9 0.2 -2.1 1.3 -5.4 -2.0 5.8 -0.1 -1.5
2014
+8.52 +7.82 -2.3 4.1 0.4 0.8 1.9 1.8 -1.4 2.7 -2.8 2.4 1.5 -0.7
2013
+19.22 +17.45 3.3 0.5 2.3 2.4 -0.4 -2.0 4.1 -2.7 4.2 3.5 1.1 1.7
2012
+14.47 +12.49 4.7 3.2 1.6 -0.3 -6.0 3.9 1.0 2.0 1.9 -0.8 0.8 2.0
2011
-0.63 -3.58 1.5 2.9 0.0 3.5 -0.9 -1.5 -1.2 -5.1 -7.3 9.0 -1.1 0.6
2010
+14.71 +13.08 -3.3 2.5 5.4 1.5 -6.6 -3.3 6.7 -2.8 7.2 3.2 -1.0 5.4
2009
+26.02 +22.57 -8.8 -8.8 6.7 10.4 6.6 -0.5 7.4 3.8 4.2 -2.4 4.8 2.1
2008
-29.77 -29.75 -4.6 -1.5 0.2 4.1 1.1 -6.7 -0.9 -0.1 -7.2 -16.5 -5.6 5.0
2007
+6.37 +2.17 1.8 -0.7 1.0 3.0 2.4 -1.5 -2.4 1.2 3.9 2.7 -3.7 -1.2
2006
+17.60 +14.71 3.8 0.2 2.0 1.4 -2.9 0.4 0.8 2.3 1.5 3.3 2.7 1.1
2005
+8.20 +4.70 -2.2 2.2 -1.8 -0.8 2.3 1.2 3.4 0.1 1.4 -2.4 3.3 1.5
2004
+14.45 +10.74 2.2 1.6 0.2 -3.6 1.3 1.9 -2.3 1.2 1.5 2.3 4.2 3.3
2003
+28.09 +25.53 -2.4 -0.9 0.1 6.9 5.1 1.6 1.7 2.0 0.9 4.5 1.7 4.4
2002
-11.49 -13.64 -1.4 -0.3 3.3 -1.6 -0.1 -3.9 -6.5 0.7 -7.0 3.8 4.1 -2.5
2001
-7.43 -8.89 2.5 -6.3 -4.6 5.6 0.0 -1.0 -1.0 -2.7 -6.6 1.9 4.3 1.2
2000
-4.44 -7.61 -3.5 2.0 4.1 -3.4 -2.2 3.7 -1.0 3.5 -2.9 -1.9 -5.1 2.7
1999
+18.14 +15.06 1.6 -2.8 3.2 4.3 -2.2 3.3 -1.4 -0.5 -1.1 3.9 2.6 6.3
1998
+15.32 +13.50 1.1 5.0 3.5 0.5 -1.6 1.8 -1.3 -11.4 3.5 5.9 4.5 4.0
1997
+18.08 +16.11 2.1 0.4 -2.4 2.3 5.4 4.1 5.0 -4.1 5.2 -3.7 1.7 1.5
1996
+14.61 +10.86 1.6 0.6 0.9 2.0 1.1 0.1 -3.4 1.8 3.7 1.0 4.8 -0.3
1995
+22.74 +19.71 0.3 1.4 2.8 2.3 2.4 1.4 3.3 0.1 2.5 -1.1 3.1 2.3
1994
+1.06 -1.50 4.3 -1.3 -3.7 1.1 0.4 -1.0 1.9 2.7 -2.1 1.2 -3.4 1.5
1993
+15.79 +12.63 1.4 1.9 4.4 1.0 2.2 0.0 1.3 3.6 -0.4 1.0 -4.0 2.5
1992
+3.42 +0.44 -0.5 -0.3 -3.0 0.6 2.5 -1.8 1.9 0.6 0.4 -0.8 2.4 1.5
1991
+23.73 +20.15 3.9 6.3 1.1 1.0 2.1 -4.0 3.7 1.0 1.3 1.4 -3.0 7.4
1990
-8.36 -13.76 -5.0 -0.7 -1.1 -2.3 7.4 0.1 0.1 -7.5 -5.9 2.8 2.3 2.0
1989
+20.02 +14.70 4.1 -0.9 0.6 3.3 1.4 0.1 7.2 0.1 1.1 -2.0 2.0 1.9
1988
+17.02 +12.07 4.0 4.6 0.6 1.0 -1.0 2.4 0.1 -2.8 3.0 2.6 0.6 1.0
1987
+8.59 +4.08 9.7 3.3 3.7 1.4 0.2 1.6 2.1 3.8 -1.8 -15.2 -2.9 4.3
1986
+26.76 +25.27 1.4 6.7 7.2 1.6 0.9 3.5 -0.9 5.8 -4.5 0.4 2.4 0.0

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:

  • VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
  • VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
  • VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
  • BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007

Portfolio efficiency

Is the Rick Ferri Core Four Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Rick Ferri Core Four Portfolio is classified as Very High 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%
Very High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+6.95%
(+4.42%)
Poor : 1 / 5
Average : 2.8 / 5
Standard Deviation
over 25 Years
12.44%
Excellent : 4.8 / 5
Average : 2.8 / 5
Maximum Drawdown
over 25 Years
-44.44%
Excellent : 5 / 5
Average : 2.1 / 5
Easy to manage 4 ETFs
Good : 3.5 / 5
Good : 3.5 / 5
Rating assigned considering all the Very High 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, 03:00PM Eastern Time.
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