Data Source: from January 1972 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.47%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.31%
Current Month
July 2022

The Simplified Permanent Portfolio is a Medium Risk portfolio and can be implemented with 3 ETFs.

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

In the last 30 Years, the Simplified Permanent Portfolio obtained a 7.11% compound annual return, with a 6.51% standard deviation.

Asset Allocation and ETFs

The Simplified Permanent Portfolio has the following asset allocation:

25% Stocks
50% Fixed Income
25% Commodities

The Simplified Permanent Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
25.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
50.00 % IEF iShares 7-10 Year Treasury Bond Bond, U.S., Intermediate-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 Simplified Permanent Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1972.

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.
SIMPLIFIED PERMANENT 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(*)
Simplified Permanent Portfolio -0.47 0.31 -2.78 -10.97 -7.95 5.13 4.30 7.11
US Inflation Adjusted return -2.78 -14.44 -14.43 1.47 1.79 4.53
Components
VTI
Vanguard Total Stock Market
-0.84 01:59PM
Jul 05 2022
0.21 -8.23 -21.32 -14.17 10.53 12.52 9.81
IEF
iShares 7-10 Year Treasury Bond
0.60 02:00PM
Jul 05 2022
1.67 -0.86 -10.56 -10.48 0.76 1.17 5.42
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 Simplified Permanent Portfolio granted a 0.78% dividend yield. If you are interested in getting periodic income, please refer to the Simplified Permanent Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

Historical returns and stats of Simplified Permanent Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

SIMPLIFIED PERMANENT PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1972 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
-2.78
-2.78
-2.78
Jun 2022 - Jun 2022
0 - 1
3M
-8.10
-9.29
-8.10
Apr 2022 - Jun 2022
0 - 3
6M
-10.97
-14.44
-10.97
Jan 2022 - Jun 2022
1 - 5
YTD
-10.97
-14.44
-10.97
Jan 2022 - Jun 2022
1 - 5
1Y
-7.95
-14.43
7.48
-10.97
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
4.18
-0.31
7.40
-10.97
Jan 2022 - Jun 2022
19 - 17
53% pos
5Y(*)
5.13
1.47
6.47
-10.97
Jan 2022 - Jun 2022
37 - 23
62% pos
10Y(*)
4.30
1.79
6.16
-10.97
Jan 2022 - Jun 2022
69 - 51
58% pos
15Y(*)
6.38
3.99
7.10
-13.28
Mar 2008 - Oct 2008
109 - 71
61% pos
20Y(*)
7.17
4.61
6.78
-13.28
Mar 2008 - Oct 2008
149 - 91
62% pos
25Y(*)
6.84
4.31
6.73
-13.28
Mar 2008 - Oct 2008
185 - 115
62% pos
30Y(*)
7.11
4.53
6.51
-13.28
Mar 2008 - Oct 2008
226 - 134
63% pos
MAX(*)
01 Jan 1972
8.82
4.68
7.93
-14.34
Dec 1980 - Sep 1981
383 - 223
63% 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$, since July 1992, now would be worth 7850.26$, with a total return of 685.03% (7.11% annualized).

The Inflation Adjusted Capital now would be 3773.31$, with a net total return of 277.33% (4.53% annualized).
An investment of 1000$, since January 1972, now would be worth 71380.58$, with a total return of 7038.06% (8.82% annualized).

The Inflation Adjusted Capital now would be 10065.19$, with a net total return of 906.52% (4.68% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-13.28% Mar 2008 Oct 2008 8 Aug 2009 10 18
-10.97% Jan 2022 Jun 2022 6 in progress 6
-6.69% Apr 2013 Jun 2013 3 Feb 2014 8 11
-6.23% Aug 2016 Dec 2016 5 Jul 2017 7 12
-5.67% Feb 1994 Jun 1994 5 Mar 1995 9 14
-5.27% Feb 2015 Dec 2015 11 Mar 2016 3 14
-5.09% Feb 1999 Aug 1999 7 Oct 1999 2 9
-4.79% Apr 2004 Apr 2004 1 Oct 2004 6 7
-4.63% Jul 1998 Aug 1998 2 Sep 1998 1 3
-3.81% Jan 2021 Mar 2021 3 May 2021 2 5
-3.73% Dec 1996 Mar 1997 4 May 1997 2 6
-3.69% Sep 2011 Sep 2011 1 Nov 2011 2 3
-3.68% Feb 2018 Oct 2018 9 Jan 2019 3 12
-3.64% Feb 1996 Jul 1996 6 Oct 1996 3 9
-3.46% Sep 2000 Mar 2001 7 Sep 2001 6 13
-3.24% Dec 2009 Jan 2010 2 Apr 2010 3 5
-3.11% Sep 2020 Oct 2020 2 Dec 2020 2 4
-2.98% Apr 2000 May 2000 2 Jun 2000 1 3
-2.81% Sep 2021 Sep 2021 1 Dec 2021 3 4
-2.60% Jun 2002 Jul 2002 2 Aug 2002 1 3
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-14.34% Dec 1980 Sep 1981 10 Aug 1982 11 21
-13.28% Mar 2008 Oct 2008 8 Aug 2009 10 18
-13.17% Feb 1980 Mar 1980 2 Jun 1980 3 5
-11.37% Apr 1974 Sep 1974 6 Jan 1975 4 10
-10.97% Jan 2022 Jun 2022 6 in progress 6
-7.68% Jul 1975 Sep 1975 3 Feb 1976 5 8
-7.59% May 1983 May 1984 13 Oct 1984 5 18
-6.69% Apr 2013 Jun 2013 3 Feb 2014 8 11
-6.38% Jul 1973 Aug 1973 2 Jan 1974 5 7
-6.23% Aug 2016 Dec 2016 5 Jul 2017 7 12
-5.94% Oct 1979 Oct 1979 1 Dec 1979 2 3
-5.83% Aug 1987 Nov 1987 4 Oct 1988 11 15
-5.67% Feb 1994 Jun 1994 5 Mar 1995 9 14
-5.66% Jan 1990 Apr 1990 4 Dec 1990 8 12
-5.48% Oct 1978 Nov 1978 2 Jan 1979 2 4
-5.27% Feb 2015 Dec 2015 11 Mar 2016 3 14
-5.09% Feb 1999 Aug 1999 7 Oct 1999 2 9
-4.79% Apr 2004 Apr 2004 1 Oct 2004 6 7
-4.63% Jul 1998 Aug 1998 2 Sep 1998 1 3
-3.81% Jan 2021 Mar 2021 3 May 2021 2 5

Rolling Returns ( more details)

Simplified Permanent Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
9.27 43.26
Feb 1979 - Jan 1980
-14.15
Oct 1980 - Sep 1981
9.92%
2 Years
9.07 29.39
Jul 1978 - Jun 1980
-6.27
Jul 1980 - Jun 1982
1.03%
3 Years
8.97 21.47
Jul 1977 - Jun 1980
0.72
Oct 2012 - Sep 2015
0.00%
5 Years
8.89 18.07
Apr 1982 - Mar 1987
2.76
Feb 2012 - Jan 2017
0.00%
7 Years
8.92 15.09
Feb 1973 - Jan 1980
3.15
Nov 2011 - Oct 2018
0.00%
10 Years
8.90 14.38
Sep 1976 - Aug 1986
4.30
Jul 2012 - Jun 2022
0.00%
15 Years
8.86 13.11
Apr 1972 - Mar 1987
6.38
Jul 2007 - Jun 2022
0.00%
20 Years
8.71 11.71
Jan 1972 - Dec 1991
6.52
Jan 1999 - Dec 2018
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 Simplified Permanent Portfolio: Rolling Returns page.

Seasonality

Simplified Permanent 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 %
0.95
71%
0.57
59%
0.13
57%
0.63
63%
0.92
63%
0.61
59%
0.61
60%
0.80
60%
0.69
60%
0.55
66%
1.15
70%
1.19
72%
Best
Year
6.6
1980
6.7
1974
4.8
1986
8.6
1980
7.7
1973
7.4
1980
4.6
2020
10.4
1982
7.5
1979
8.1
1982
6.0
2009
9.6
1979
Worst
Year
-4.7
1981
-4.3
1980
-9.3
1980
-4.8
2022
-3.1
1984
-4.0
2013
-2.7
1973
-3.8
1973
-4.1
1975
-8.3
2008
-5.2
1978
-3.4
1981
Statistics calculated for the period Jan 1972 - Jun 2022

Monthly/Yearly Returns

Simplified Permanent Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
383 Positive Months (63%) - 223 Negative Months (37%)
Jan 1972 - 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
-10.97 -14.44 -3.0 0.8 -0.9 -4.8 -0.7 -2.8
2021
+3.72 -3.16 -1.4 -1.9 -0.5 2.7 2.1 -0.6 2.0 0.6 -2.8 2.1 -0.1 1.6
2020
+16.46 +14.99 2.8 -0.6 -1.2 4.6 2.0 1.2 4.6 1.0 -1.9 -1.3 1.4 2.9
2019
+16.15 +13.58 3.2 0.5 1.3 0.7 0.1 4.4 0.4 3.3 -1.0 1.3 -0.1 1.2
2018
-1.29 -3.15 1.0 -2.0 0.2 -0.8 0.9 -0.6 0.1 0.9 -0.7 -1.7 1.3 0.1
2017
+9.78 +7.49 1.9 2.1 -0.1 1.3 0.6 -0.6 1.3 1.8 -1.0 0.3 0.8 0.9
2016
+5.72 +3.59 1.6 3.6 1.3 1.5 -1.4 4.0 1.6 -1.4 0.4 -2.1 -3.3 0.0
2015
-1.82 -2.45 3.6 -1.4 -0.4 -0.2 0.3 -1.6 -0.4 -0.7 -0.3 2.1 -1.7 -0.9
2014
+7.12 +6.43 1.6 2.9 -1.0 0.5 0.6 2.1 -1.5 2.1 -2.6 0.7 1.2 0.4
2013
-1.76 -3.23 0.6 -0.4 1.4 -0.6 -2.2 -4.0 3.0 -0.6 1.0 1.6 -0.7 -0.8
2012
+7.59 +5.73 4.5 -0.3 -0.3 1.0 -1.9 1.4 1.1 1.9 1.7 -1.4 0.6 -0.7
2011
+10.45 +7.17 -1.1 2.3 0.4 3.9 0.5 -1.3 3.1 4.1 -3.7 3.2 0.7 -1.7
2010
+16.36 +14.71 0.0 1.8 0.9 2.8 0.2 0.8 0.7 2.1 3.3 1.9 0.2 0.6
2009
+9.94 +6.93 -2.6 -2.5 2.7 0.2 3.0 -1.6 3.1 1.4 3.2 0.2 6.0 -3.2
2008
+0.94 +0.96 2.8 1.5 -1.2 -1.3 -0.2 -0.2 -0.2 -1.4 -1.1 -8.3 6.0 5.3
2007
+14.14 +9.64 0.9 1.3 -0.1 1.8 -0.3 -1.2 0.8 1.8 3.6 2.8 0.3 1.7
2006
+10.82 +8.09 2.9 -0.3 0.8 3.2 -1.2 -1.2 1.7 1.0 -0.2 1.5 3.1 -0.8
2005
+7.34 +3.87 -1.1 0.6 -1.1 1.0 0.9 1.5 -0.4 1.1 1.2 -1.4 3.0 2.0
2004
+6.42 +2.98 0.2 0.9 2.0 -4.8 0.4 1.0 -0.6 2.4 1.1 1.5 1.8 0.4
2003
+15.31 +13.01 0.4 -0.7 -0.9 2.3 5.2 -1.0 -1.3 2.4 2.9 0.8 1.2 3.2
2002
+9.00 +6.36 0.5 1.8 -0.6 0.9 1.6 -1.2 -1.4 2.7 1.4 -0.5 0.2 3.3
2001
+0.15 -1.43 0.0 -1.0 -2.3 0.9 0.6 0.2 0.8 0.4 1.1 0.7 -0.6 -0.5
2000
+4.63 +1.16 -2.2 2.8 1.7 -2.0 -1.0 3.7 -1.2 3.3 -1.5 -0.9 -0.5 2.6
1999
+2.25 -0.41 0.9 -3.0 0.7 1.7 -2.9 0.3 -1.6 -0.3 3.9 1.5 0.0 1.4
1998
+12.93 +11.14 2.4 1.1 1.7 1.3 -1.4 1.8 -1.2 -3.5 6.1 1.0 1.5 1.7
1997
+8.38 +6.57 -0.3 1.0 -2.9 1.6 2.7 1.3 3.8 -2.1 3.2 -1.0 0.2 0.8
1996
+4.09 +0.69 2.0 -1.6 -0.5 -0.5 0.3 -0.1 -1.2 0.6 2.1 1.9 2.8 -1.6
1995
+21.97 +18.95 1.2 2.8 2.0 1.3 3.7 1.5 0.2 1.1 1.8 0.4 2.7 1.3
1994
-4.18 -6.61 0.6 -1.8 -2.6 -1.4 0.9 -0.9 1.5 1.3 -1.0 -0.6 -1.0 0.9
1993
+13.56 +10.46 1.5 1.5 1.6 0.7 2.2 1.8 1.7 0.6 -0.6 1.5 -1.6 2.1
1992
+4.46 +1.45 -1.8 0.7 -2.1 0.0 1.5 0.9 3.8 -1.1 2.1 -1.7 0.4 1.6
1991
+15.41 +12.07 0.4 2.0 0.6 0.7 1.5 -1.1 1.5 1.4 1.7 0.9 0.1 4.9
1990
+1.55 -4.43 -2.1 0.0 -2.0 -1.7 3.7 0.1 1.6 -2.6 0.6 -1.2 3.5 1.8
1989
+15.24 +10.13 1.5 -1.5 0.8 2.2 1.9 2.7 3.1 -1.0 0.5 1.4 2.8 0.0
1988
+3.97 -0.43 2.0 0.4 0.1 -0.7 -0.4 2.0 -0.8 -1.3 1.1 2.4 -0.9 0.1
1987
+5.46 +1.08 4.4 1.9 0.8 -0.4 -0.5 1.6 1.7 -0.1 -1.7 -3.9 -0.3 2.0
1986
+19.06 +17.66 2.1 4.3 4.8 0.3 -0.9 3.4 -0.5 5.2 -1.0 0.4 0.6 -0.7
1985
+24.24 +19.70 3.8 -2.7 4.5 0.5 4.8 1.3 0.1 1.6 -1.2 2.5 3.6 3.6
1984
+3.14 -0.87 0.0 -0.2 -1.0 -1.1 -3.1 0.5 0.5 4.0 1.2 1.9 0.6 -0.1
1983
+2.74 -1.01 2.5 -2.1 0.6 4.3 -0.4 0.0 -2.4 -0.4 2.0 -2.4 2.9 -1.6
1982
+28.65 +23.91 -1.2 -1.9 -2.8 5.4 -1.9 -2.5 4.1 10.4 3.5 8.1 2.1 3.3
1981
-6.55 -14.19 -4.7 -2.0 3.7 -3.8 2.5 -3.0 -2.6 -2.0 -2.0 5.5 5.8 -3.4
1980
+11.44 -0.81 6.6 -4.3 -9.3 8.6 4.4 7.4 -1.6 -0.4 2.0 -2.1 2.4 -1.2
1979
+38.61 +22.39 3.1 0.9 1.0 0.4 4.0 2.6 2.0 3.1 7.5 -5.9 5.8 9.6
1978
+11.00 +1.84 0.0 0.7 0.7 0.4 2.3 -0.7 4.5 3.1 0.8 -0.3 -5.2 4.5
1977
+5.09 -1.49 -3.1 1.7 1.3 0.0 -0.5 2.2 -0.6 0.8 1.4 0.0 1.3 0.6
1976
+13.24 +7.81 1.2 1.3 1.0 -0.2 -1.4 1.6 -1.8 -0.5 3.6 1.4 3.1 3.4
1975
+6.02 -1.04 1.9 3.0 -1.2 -0.5 2.9 2.2 -2.4 -1.4 -4.1 4.3 0.0 1.5
1974
+11.61 -0.44 4.5 6.7 0.6 -2.2 -2.7 -3.2 0.5 -2.1 -2.2 7.2 3.6 1.1
1973
+15.34 +5.87 -0.4 6.2 1.6 -0.5 7.7 2.9 -2.7 -3.8 1.2 0.2 -1.1 3.7
1972
+17.84 +13.96 2.3 1.8 0.3 1.0 6.4 2.1 2.1 -0.6 -1.6 1.0 1.5 0.7

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:

  • VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
  • IEF - iShares 7-10 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 Simplified Permanent Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Simplified Permanent 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)
+6.84%
(+4.31%)
Average : 2.2 / 5
Average : 2.7 / 5
Standard Deviation
over 25 Years
6.73%
Good : 3.5 / 5
Excellent : 4.1 / 5
Maximum Drawdown
over 25 Years
-13.28%
Excellent : 5 / 5
Excellent : 4.4 / 5
Easy to manage 3 ETFs
Good : 4 / 5
Good : 4 / 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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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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