Data Source: from January 1994 to December 2021

Last Update: 31 December 2021

The Rick Ferri Core Four Portfolio is exposed for 80% on the Stock Market.

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

In the last 10 years, the portfolio obtained a 11.30% compound annual return, with a 10.38% standard deviation.

In the last 25 years, a 8.31% compound annual return, with a 12.27% 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 replicated 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.

RICK FERRI CORE FOUR PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Rick Ferri Core Four Portfolio +3.59 +6.35 +5.56 +17.18 +18.31 +12.80 +11.30 +8.56 +8.31
--- Inflation Adjusted return +3.10 +4.05 +2.09 +9.39 +14.27 +9.60 +8.99 +6.11 +5.88
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
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
VNQ
Vanguard Real Estate
+9.69 +15.03 +15.74 +40.52 +19.96 +11.22 +11.50 +10.89 +9.94
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
(*) 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 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

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

RICK FERRI CORE FOUR 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
+3.59%
+3.10%
0.00%
1 - 0
3M
+6.35%
+4.05%
-1.88%
Nov 2021 - Nov 2021
2 - 1
6M
+5.56%
+2.09%
-3.72%
Sep 2021 - Sep 2021
4 - 2
YTD
+17.18%
+9.39%
7.93%
-3.72%
Sep 2021 - Sep 2021
9 - 3
75% pos
1Y
+17.18%
+9.39%
7.93%
-3.72%
Sep 2021 - Sep 2021
9 - 3
75% pos
3Y
+18.31%
annualized
+14.27%
annualized
13.61%
-17.12%
Jan 2020 - Mar 2020
26 - 10
72% pos
5Y
+12.80%
annualized
+9.60%
annualized
11.88%
-17.12%
Jan 2020 - Mar 2020
45 - 15
75% pos
10Y
+11.30%
annualized
+8.99%
annualized
10.38%
-17.12%
Jan 2020 - Mar 2020
84 - 36
70% pos
20Y
+8.56%
annualized
+6.11%
annualized
12.17%
-44.44%
Nov 2007 - Feb 2009
158 - 82
66% pos
25Y
+8.31%
annualized
+5.88%
annualized
12.27%
-44.44%
Nov 2007 - Feb 2009
193 - 107
64% pos
MAX
01 Jan 1994
+8.74%
annualized
+6.25%
annualized
11.82%
-44.44%
Nov 2007 - Feb 2009
221 - 115
66% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

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

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

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Technology
+13.30% -81.08% 100 0 0 Compare
US Stocks
+9.88% -50.84% 100 0 0 Compare
Warren Buffett Portfolio
Warren Buffett
+9.38% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.25% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.17% -41.09% 80 20 0 Compare

See all portfolios

Our overall ratings, assigned to the Rick Ferri Core Four Portfolio. The 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)
+8.31%
(+5.88%)
Average : 2.6 / 5
Good : 3.8 / 5
Standard Deviation
over 25 Years
12.27%
Excellent : 4.9 / 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

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 7353.82$, with a total return of 635.38% (8.31% annualized).

The Inflation Adjusted Capital now would be 4175.68$, with a net total return of 317.57% (5.88% 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
-44.44% Nov 2007 Feb 2009 16 Feb 2011 24 40
-27.90% Sep 2000 Sep 2002 25 Feb 2004 17 42
-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
-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
-3.84% 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
-3.49% Jan 2000 Jan 2000 1 Mar 2000 2 3
-2.92% May 2006 May 2006 1 Aug 2006 3 4
-2.86% Jul 1999 Sep 1999 3 Oct 1999 1 4

Rolling Returns ( more details)

Rick Ferri Core Four Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+9.57% +50.17%
Mar 2009 - Feb 2010
-37.84%
Mar 2008 - Feb 2009
20.92%
2 Years
+8.80% +34.70%
Mar 2009 - Feb 2011
-21.61%
Mar 2007 - Feb 2009
15.65%
3 Years
+8.41% +23.15%
Mar 2009 - Feb 2012
-11.08%
Mar 2006 - Feb 2009
14.62%
5 Years
+7.89% +19.13%
Mar 2009 - Feb 2014
-2.71%
Mar 2004 - Feb 2009
2.17%
7 Years
+7.40% +13.50%
Mar 2009 - Feb 2016
+0.61%
Mar 2002 - Feb 2009
0.00%
10 Years
+7.47% +12.78%
Mar 2009 - Feb 2019
+0.83%
Mar 1999 - Feb 2009
0.00%
15 Years
+7.11% +9.66%
Feb 2003 - Jan 2018
+4.79%
Mar 1994 - Feb 2009
0.00%
20 Years
+7.38% +8.77%
Dec 1994 - Nov 2014
+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 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 %
0.34
57%
0.15
61%
0.81
71%
2.17
82%
0.41
61%
0.45
64%
0.98
61%
-0.12
61%
-0.01
57%
0.85
64%
1.41
71%
1.69
79%
Best
Year
7.1
2019
5.0
1998
6.7
2009
10.4
2009
6.6
2009
5.2
2019
7.4
2009
4.3
2020
7.2
2010
9.0
2011
9.6
2020
6.3
1999
Worst
Year
-8.8
2009
-8.8
2009
-11.9
2020
-3.6
2004
-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 1994 - Dec 2021

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

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
221 Positive Months (66%) - 115 Negative Months (34%)
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
+17.18 +9.39 -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 +12.47 -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 -8.18 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 +15.44 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

* 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:

  • 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
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