Last Update: 31 December 2020
The Stocks/Bonds 20/80 Portfolio is exposed for 20% on the Stock Market.
It's a Low Risk portfolio and it can be replicated with 2 ETFs.
In the last 10 years, the portfolio obtained a 5.84% compound annual return, with a 3.75% standard deviation.
In 2020, the portfolio granted a 2.37% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 20/80 Portfolio: Dividend Yield page.
Asset Allocation and ETFs
The Stocks/Bonds 20/80 Portfolio has the following asset allocation:
The Stocks/Bonds 20/80 Portfolio can be replicated with the following ETFs:
Weight | Ticker | ETF Name | Investment Themes | |
---|---|---|---|---|
20.00 % | VTI | Vanguard Total Stock Market | Equity, U.S., Large Cap | |
80.00 % | BND | Vanguard Total Bond Market | Bond, U.S., All-Term |
Portfolio and ETF Returns
The Stocks/Bonds 20/80 Portfolio guaranteed the following returns.
1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | |
---|---|---|---|---|---|---|---|
Stocks/Bonds 20/80 Portfolio | +1.11 | +3.56 | +5.67 | +10.38 | +7.30 | +6.71 | +5.84 |
Components | |||||||
VTI - Vanguard Total Stock Market | +4.68 | +14.75 | +25.36 | +21.03 | +14.45 | +15.44 | +13.77 |
BND - Vanguard Total Bond Market | +0.15 | +0.80 | +1.21 | +7.71 | +5.40 | +4.45 | +3.73 |
- 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 Stocks/Bonds 20/80 Portfolio: Dividend Yield page.
Historical Returns
Stocks/Bonds 20/80 Portfolio - Historical returns and stats.
Period | Returns Dec 2020 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
---|---|---|---|---|
1M
|
+1.11%
|
0.00%
|
1 - 0 | |
3M
|
+3.56%
|
-0.83%
Oct 2020 - Oct 2020
|
2 - 1 | |
6M
|
+5.67%
|
-1.62%
Sep 2020 - Oct 2020
|
4 - 2 | |
YTD
|
+10.38%
|
7.01%
|
-3.91%
Feb 2020 - Mar 2020
|
8 - 4 |
1Y
|
+10.38%
|
7.01%
|
-3.91%
Feb 2020 - Mar 2020
|
8 - 4 |
3Y
|
+7.30%
annualized
|
5.15%
|
-3.91%
Feb 2020 - Mar 2020
|
25 - 11 |
5Y
|
+6.71%
annualized
|
4.29%
|
-3.91%
Feb 2020 - Mar 2020
|
44 - 16 |
10Y
|
+5.84%
annualized
|
3.75%
|
-3.91%
Feb 2020 - Mar 2020
|
85 - 35 |
MAX
01 Jan 1987
|
+7.09%
annualized
|
4.57%
|
-8.42%
May 2008 - Oct 2008
|
292 - 116 |
* Annualized St.Dev. of monthly returns
Best Low Risk Porftolios, ordered by 10Y annualized return.
Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
---|---|---|---|---|---|---|
High Yield Bonds Income |
+6.17% | 0 | 100 | 0 | Compare | |
World Developed 20/80 |
+5.93% | 20 | 80 | 0 | Compare | |
Stocks/Bonds 20/80 |
+5.84% | 20 | 80 | 0 | ||
Total Bond World Developed |
+4.90% | 0 | 100 | 0 | Compare | |
Edge Select Conservative Merrill Lynch |
+4.78% | 21 | 79 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns (more details)
Stocks/Bonds 20/80 Portfolio: annualized rolling and average returns
Return (*) | Negative Periods |
|||
---|---|---|---|---|
Rolling Period | Average | Best | Worst | |
1 Year |
+7.14% |
+21.70% Jan 1995 - Dec 1995 |
-7.75% Nov 2007 - Oct 2008 |
5.54% |
2 Years |
+7.09% |
+15.27% Oct 1990 - Sep 1992 |
-1.26% Mar 2007 - Feb 2009 |
1.04% |
3 Years |
+7.02% |
+14.01% Jan 1995 - Dec 1997 |
+1.37% Mar 2006 - Feb 2009 |
0.00% |
5 Years |
+6.98% |
+12.26% Sep 1988 - Aug 1993 |
+2.35% Mar 2004 - Feb 2009 |
0.00% |
7 Years |
+6.91% |
+11.16% Oct 1990 - Sep 1997 |
+3.53% Nov 2001 - Oct 2008 |
0.00% |
10 Years |
+6.89% |
+10.82% Jan 1989 - Dec 1998 |
+4.23% Mar 1999 - Feb 2009 |
0.00% |
15 Years |
+6.65% |
+9.17% Jun 1988 - May 2003 |
+4.82% Jan 2004 - 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 Stocks/Bonds 20/80 Portfolio: Rolling Returns page.
Seasonality and Yearly/Monthly Returns
Stocks/Bonds 20/80 Portfolio Seasonality
Months | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average | 0.8 | 0.4 | 0.2 | 0.6 | 0.7 | 0.6 | 0.8 | 0.5 | 0.4 | 0.3 | 0.7 | 1.0 |
Best |
3.6 1987 |
2.6 1995 |
2.3 2009 |
4.4 2020 |
4.0 1990 |
3.2 1988 |
3.9 1997 |
2.5 2000 |
2.8 1998 |
2.1 2011 |
3.3 2020 |
4.7 2008 |
Worst |
-3.3 2009 |
-2.5 2009 |
-3.7 2020 |
-2.8 1987 |
-1.1 1999 |
-1.6 2013 |
-2.1 2003 |
-2.7 1990 |
-2.2 1987 |
-5.4 2008 |
-1.2 2016 |
-1.0 1996 |
Gain Frequency |
79 | 71 | 62 | 76 | 65 | 76 | 74 | 71 | 62 | 74 | 71 | 79 |
Detail of Monthly Returns
Months | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2020 |
+10.38% | 1.6 | -0.2 | -3.7 | 4.4 | 1.5 | 1.0 | 2.3 | 0.6 | -0.8 | -0.8 | 3.3 | 1.1 |
2019 |
+13.20% | 2.6 | 0.7 | 1.8 | 0.8 | 0.0 | 2.5 | 0.4 | 1.7 | -0.1 | 0.7 | 0.8 | 0.6 |
2018 |
-1.13% | 0.1 | -1.6 | 0.1 | -0.6 | 1.1 | 0.1 | 0.7 | 1.3 | -0.4 | -2.3 | 0.9 | -0.5 |
2017 |
+7.10% | 0.5 | 1.2 | 0.0 | 0.9 | 0.8 | 0.2 | 0.7 | 0.7 | 0.2 | 0.5 | 0.6 | 0.7 |
2016 |
+4.58% | -0.2 | 0.7 | 2.1 | 0.5 | 0.3 | 1.7 | 1.3 | -0.2 | 0.1 | -1.2 | -1.2 | 0.7 |
2015 |
+0.52% | 1.4 | 0.1 | 0.2 | -0.1 | -0.1 | -1.2 | 1.1 | -1.4 | 0.1 | 1.5 | -0.2 | -0.6 |
2014 |
+7.16% | 0.6 | 1.3 | 0.0 | 0.7 | 1.3 | 0.6 | -0.6 | 1.8 | -0.9 | 1.1 | 1.2 | 0.0 |
2013 |
+5.01% | 0.5 | 0.7 | 0.9 | 1.1 | -1.0 | -1.6 | 1.6 | -1.4 | 1.8 | 1.7 | 0.4 | 0.2 |
2012 |
+5.82% | 1.5 | 0.9 | 0.3 | 0.7 | -0.6 | 0.9 | 1.2 | 0.7 | 0.7 | -0.5 | 0.4 | -0.4 |
2011 |
+6.53% | 0.5 | 1.0 | 0.0 | 1.8 | 0.7 | -0.7 | 0.8 | 0.1 | -0.9 | 2.1 | -0.1 | 1.1 |
2010 |
+8.44% | 0.3 | 0.9 | 1.1 | 1.3 | -0.8 | 0.0 | 2.0 | 0.4 | 1.7 | 1.1 | -0.4 | 0.6 |
2009 |
+8.69% | -3.3 | -2.5 | 2.3 | 2.4 | 1.6 | 0.6 | 2.6 | 1.6 | 1.7 | -0.4 | 2.3 | -0.5 |
2008 |
-1.91% | -0.2 | -0.4 | 0.2 | 0.6 | -0.4 | -1.6 | -0.1 | 1.0 | -2.1 | -5.4 | 2.2 | 4.7 |
2007 |
+6.61% | 0.3 | 0.9 | 0.2 | 1.2 | 0.2 | -0.7 | -0.1 | 1.4 | 1.4 | 1.1 | 0.6 | 0.0 |
2006 |
+6.55% | 0.6 | 0.3 | -0.4 | 0.0 | -0.8 | 0.1 | 1.0 | 1.8 | 1.1 | 1.3 | 1.4 | -0.1 |
2005 |
+3.18% | 0.0 | -0.1 | -0.8 | 0.7 | 1.6 | 0.6 | 0.1 | 0.9 | -0.7 | -1.1 | 1.3 | 0.8 |
2004 |
+5.95% | 1.2 | 1.1 | 0.4 | -2.5 | -0.1 | 0.9 | 0.0 | 1.6 | 0.5 | 1.0 | 0.3 | 1.4 |
2003 |
+9.33% | -0.5 | 0.8 | 0.0 | 2.4 | 2.6 | 0.2 | -2.1 | 1.0 | 1.9 | 0.6 | 0.6 | 1.6 |
2002 |
+2.51% | 0.4 | 0.3 | -0.5 | 0.5 | 0.4 | -1.1 | -1.1 | 1.5 | -0.4 | 0.6 | 1.0 | 0.9 |
2001 |
+4.55% | 2.2 | -1.2 | -0.8 | 1.1 | 0.8 | 0.1 | 1.5 | -0.2 | -0.8 | 2.0 | 0.1 | -0.2 |
2000 |
+7.00% | -1.0 | 1.4 | 2.2 | -1.4 | -0.8 | 2.6 | 0.3 | 2.5 | -0.3 | 0.1 | -0.5 | 1.8 |
1999 |
+4.16% | 1.4 | -2.2 | 1.2 | 1.3 | -1.1 | 0.7 | -1.0 | -0.3 | 0.5 | 1.6 | 0.8 | 1.3 |
1998 |
+11.52% | 1.1 | 1.4 | 1.3 | 0.6 | 0.2 | 1.4 | -0.3 | -1.8 | 2.8 | 1.0 | 1.6 | 1.7 |
1997 |
+13.75% | 1.3 | 0.1 | -1.7 | 2.1 | 2.2 | 1.9 | 3.9 | -1.5 | 2.4 | 0.3 | 1.0 | 1.2 |
1996 |
+7.06% | 1.0 | -1.1 | -0.4 | 0.1 | 0.4 | 0.8 | -1.0 | 0.5 | 2.5 | 2.0 | 2.9 | -1.0 |
1995 |
+21.70% | 2.0 | 2.6 | 1.1 | 1.6 | 3.9 | 1.1 | 0.7 | 1.2 | 1.5 | 0.9 | 2.0 | 1.5 |
1994 |
-2.16% | 1.7 | -1.9 | -2.7 | -0.5 | 0.2 | -0.7 | 2.1 | 1.0 | -1.5 | 0.3 | -0.9 | 0.9 |
1993 |
+9.87% | 1.6 | 1.7 | 0.8 | 0.0 | 0.7 | 1.6 | 0.4 | 2.1 | 0.3 | 0.6 | -1.1 | 0.8 |
1992 |
+7.53% | -1.1 | 0.8 | -0.9 | 0.9 | 1.6 | 0.7 | 2.3 | 0.4 | 1.2 | -0.8 | 0.8 | 1.5 |
1991 |
+18.68% | 1.9 | 2.0 | 1.2 | 0.9 | 1.4 | -1.1 | 2.1 | 2.2 | 1.3 | 1.1 | -0.3 | 4.6 |
1990 |
+5.70% | -2.9 | 0.9 | 0.5 | -1.3 | 4.0 | 1.2 | 0.8 | -2.7 | -0.4 | 1.0 | 2.9 | 1.7 |
1989 |
+16.54% | 2.0 | -0.9 | 0.6 | 2.6 | 2.8 | 2.3 | 3.3 | -0.8 | 0.3 | 1.3 | 0.9 | 1.0 |
1988 |
+9.35% | 3.4 | 2.0 | -1.2 | -0.2 | -0.8 | 3.2 | -0.5 | -0.5 | 2.5 | 1.5 | -1.0 | 0.8 |
1987 |
+1.75% | 3.6 | 1.5 | 0.0 | -2.8 | -0.2 | 2.1 | 1.0 | 0.4 | -2.2 | -3.1 | -0.9 | 2.7 |
* 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
BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007