Data Source: from January 1987 to December 2021

Last Update: 31 December 2021

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 5.55% compound annual return, with a 3.80% standard deviation.

In the last 25 years, a 6.06% compound annual return, with a 4.19% standard deviation.

Asset Allocation and ETFs

The Stocks/Bonds 20/80 Portfolio has the following asset allocation:

20% Stocks
80% Fixed Income
0% Commodities

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
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 Stocks/Bonds 20/80 Portfolio guaranteed the following returns.

STOCKS/BONDS 20/80 PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Stocks/Bonds 20/80 Portfolio +0.65 +2.04 +1.99 +3.64 +9.00 +6.52 +5.55 +5.54 +6.06
--- Inflation Adjusted return +0.18 -0.17 -1.36 -3.25 +5.28 +3.49 +3.36 +3.16 +3.68
Components
VTI
Vanguard Total Stock Market 		+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
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 1.95% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 20/80 Portfolio: Dividend Yield page.

Readings that may interest you
J.K. Lasser's Your Income Tax 2022: For Preparing Your 2021 Tax Return
SUMMARY and ANALYSIS OF PRINCIPLES FOR DEALING WITH THE CHANGING WORLD ORDER BY ...
Etf Investing: Create Passive Income And Retire Early With Etf Strategy

Historical Returns

Historical returns and stats of Stocks/Bonds 20/80 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

STOCKS/BONDS 20/80 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
+0.65%
+0.18%
0.00%
1 - 0
3M
+2.04%
-0.17%
-0.19%
Nov 2021 - Nov 2021
2 - 1
6M
+1.99%
-1.36%
-1.82%
Sep 2021 - Sep 2021
4 - 2
YTD
+3.64%
-3.25%
3.58%
-1.82%
Sep 2021 - Sep 2021
7 - 5
58% pos
1Y
+3.64%
-3.25%
3.58%
-1.82%
Sep 2021 - Sep 2021
7 - 5
58% pos
3Y
+9.00%
annualized
+5.28%
annualized
4.98%
-3.92%
Feb 2020 - Mar 2020
25 - 11
69% pos
5Y
+6.52%
annualized
+3.49%
annualized
4.34%
-3.92%
Feb 2020 - Mar 2020
43 - 17
72% pos
10Y
+5.55%
annualized
+3.36%
annualized
3.80%
-3.92%
Feb 2020 - Mar 2020
84 - 36
70% pos
20Y
+5.54%
annualized
+3.16%
annualized
4.09%
-8.42%
May 2008 - Oct 2008
170 - 70
71% pos
25Y
+6.06%
annualized
+3.68%
annualized
4.19%
-8.42%
May 2008 - Oct 2008
212 - 88
71% pos
MAX
01 Jan 1987
+6.99%
annualized
+4.19%
annualized
4.54%
-8.42%
May 2008 - Oct 2008
299 - 121
71% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Stocks/Bonds 20/80 Portfolio actually efficient, compared to other Lazy Portfolios?

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

25 Years Stats
% Allocation
Portfolio Return▾ Drawdown Stocks Bonds Comm.
High Yield Bonds Income
 +6.94% -23.98% 0 100 0 Compare
All Country World 20/80
 +6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
 +6.06% -8.42% 20 80 0
Vanguard LifeStrategy Income Fund
Vanguard		 +5.87% -10.54% 20 80 0 Compare
US Inflation Protection
 +5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Stocks/Bonds 20/80 Portfolio. The portfolio is classified as Low 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%
Low Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +6.06%
(+3.68%)
Excellent : 5 / 5
Average : 2.3 / 5
Standard Deviation
over 25 Years		 4.19%
Average : 2.6 / 5
Excellent : 4.7 / 5
Maximum Drawdown
over 25 Years		 -8.42%
Good : 3.6 / 5
Excellent : 4.8 / 5
Easy to manage 2 ETFs
Excellent : 4.5 / 5
Excellent : 4.5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 4348.87$, with a total return of 334.89% (6.06% annualized).

The Inflation Adjusted Capital now would be 2469.40$, with a net total return of 146.94% (3.68% 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
-8.42% May 2008 Oct 2008 6 Jul 2009 9 15
-3.92% Feb 2020 Mar 2020 2 Apr 2020 1 3
-2.67% Sep 2018 Oct 2018 2 Jan 2019 3 5
-2.58% Apr 2004 May 2004 2 Sep 2004 4 6
-2.56% May 2013 Jun 2013 2 Oct 2013 4 6
-2.40% Aug 2016 Nov 2016 4 Apr 2017 5 9
-2.23% Apr 2000 May 2000 2 Jun 2000 1 3
-2.17% Feb 1999 Feb 1999 1 Apr 1999 2 3
-2.15% Jul 1998 Aug 1998 2 Sep 1998 1 3
-2.13% Jul 2003 Jul 2003 1 Sep 2003 2 3
-2.13% Jun 2002 Jul 2002 2 Nov 2002 4 6
-2.05% Feb 2018 Apr 2018 3 Aug 2018 4 7
-1.99% Feb 2001 Mar 2001 2 Jul 2001 4 6
-1.90% Apr 2015 Aug 2015 5 Mar 2016 7 12
-1.84% Sep 2005 Oct 2005 2 Dec 2005 2 4
-1.82% Sep 2021 Sep 2021 1 Dec 2021 3 4
-1.70% Mar 1997 Mar 1997 1 Apr 1997 1 2
-1.69% May 1999 Aug 1999 4 Oct 1999 2 6
-1.63% Sep 2020 Oct 2020 2 Nov 2020 1 3
-1.60% Jan 2021 Mar 2021 3 Apr 2021 1 4

Rolling Returns ( more details)

Stocks/Bonds 20/80 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +7.13% +21.70%
Jan 1995 - Dec 1995 		-7.75%
Nov 2007 - Oct 2008 		5.38%
2 Years
 +7.12% +15.27%
Oct 1990 - Sep 1992 		-1.26%
Mar 2007 - Feb 2009 		1.01%
3 Years
 +7.05% +14.01%
Jan 1995 - Dec 1997 		+1.37%
Mar 2006 - Feb 2009 		0.00%
5 Years
 +6.96% +12.26%
Sep 1988 - Aug 1993 		+2.35%
Mar 2004 - Feb 2009 		0.00%
7 Years
 +6.86% +11.16%
Oct 1990 - Sep 1997 		+3.53%
Nov 2001 - Oct 2008 		0.00%
10 Years
 +6.84% +10.82%
Jan 1989 - Dec 1998 		+4.23%
Mar 1999 - Feb 2009 		0.00%
15 Years
 +6.60% +9.17%
Jun 1988 - May 2003 		+4.82%
Jan 2004 - Dec 2018 		0.00%
20 Years
 +6.60% +8.47%
Dec 1987 - Nov 2007 		+4.99%
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 Stocks/Bonds 20/80 Portfolio: Rolling Returns page.

Seasonality

Stocks/Bonds 20/80 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 %		 0.72
77% 		0.36
69% 		0.15
60% 		0.66
77% 		0.68
66% 		0.61
77% 		0.82
74% 		0.51
71% 		0.38
60% 		0.36
74% 		0.66
69% 		0.96
80%
Best
Year		 3.6
1987 		2.5
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
Year		 -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 		-0.9
1996
Statistics calculated for the period Jan 1987 - Dec 2021

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

Monthly/Yearly Returns

Stocks/Bonds 20/80 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
299 Positive Months (71%) - 121 Negative Months (29%)
Jan 1987 - 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
 +3.64 -3.25 -0.8 -0.6 -0.2 1.8 0.2 1.3 1.3 0.5 -1.8 1.6 -0.2 0.7
2020
 +10.38 +8.96 1.6 -0.2 -3.7 4.4 1.5 1.0 2.2 0.6 -0.8 -0.8 3.3 1.1
2019
 +13.20 +10.70 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 -3.00 0.1 -1.6 0.1 -0.6 1.1 0.1 0.7 1.3 -0.4 -2.3 0.9 -0.4
2017
 +7.10 +4.89 0.5 1.2 0.0 0.9 0.8 0.2 0.7 0.7 0.1 0.4 0.6 0.7
2016
 +4.58 +2.48 -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 -0.12 1.4 0.0 0.2 -0.1 -0.1 -1.2 1.0 -1.4 0.1 1.5 -0.2 -0.6
2014
 +7.16 +6.47 0.6 1.3 0.0 0.7 1.3 0.6 -0.6 1.7 -0.9 1.1 1.2 0.0
2013
 +5.01 +3.44 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 +3.99 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 +3.37 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 +6.91 0.3 0.9 1.1 1.3 -0.8 0.0 2.0 0.4 1.7 1.0 -0.4 0.6
2009
 +8.69 +5.71 -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 -1.89 -0.2 -0.4 0.2 0.6 -0.4 -1.5 -0.1 0.9 -2.1 -5.4 2.2 4.7
2007
 +6.61 +2.40 0.3 0.9 0.2 1.2 0.1 -0.7 -0.1 1.4 1.4 1.1 0.6 0.0
2006
 +6.55 +3.93 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 -0.16 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 +2.52 1.2 1.1 0.4 -2.5 0.0 0.9 0.0 1.6 0.5 1.0 0.3 1.4
2003
 +9.33 +7.15 -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 +0.03 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 +2.90 2.2 -1.2 -0.8 1.0 0.8 0.1 1.5 -0.2 -0.8 2.0 0.1 -0.2
2000
 +7.00 +3.44 -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 +1.44 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 +9.75 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 +11.86 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 +3.56 1.0 -1.1 -0.4 0.1 0.4 0.8 -1.0 0.5 2.5 2.0 2.9 -0.9
1995
 +21.70 +18.70 2.0 2.5 1.1 1.6 3.9 1.1 0.6 1.2 1.5 0.9 2.0 1.5
1994
 -2.16 -4.64 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 +6.87 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 +4.44 -1.1 0.8 -0.9 0.8 1.6 0.7 2.3 0.4 1.2 -0.8 0.8 1.5
1991
 +18.68 +15.24 1.9 2.0 1.2 0.9 1.4 -1.0 2.1 2.2 1.3 1.1 -0.3 4.6
1990
 +5.70 -0.52 -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 +11.37 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 +4.73 3.3 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 -2.47 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
Share this page