Last Update: 31 March 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 5.52% compound annual return, with a 3.78% 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 | -0.25 | -1.60 | +1.91 | +11.29 | +7.23 | +5.83 | +5.52 |
Components | |||||||
VTI - Vanguard Total Stock Market | +3.65 | +6.54 | +22.26 | +62.90 | +17.17 | +16.69 | +13.80 |
BND - Vanguard Total Bond Market | -1.27 | -3.64 | -2.86 | +1.56 | +4.67 | +3.08 | +3.32 |
- 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 Mar 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
---|---|---|---|---|
1M
|
-0.25%
|
-0.25%
Mar 2021 - Mar 2021
|
0 - 1 | |
3M
|
-1.60%
|
-1.61%
Jan 2021 - Mar 2021
|
0 - 3 | |
6M
|
+1.91%
|
-1.61%
Jan 2021 - Mar 2021
|
2 - 4 | |
YTD
|
-1.60%
|
-1.61%
Jan 2021 - Mar 2021
|
0 - 3 | |
1Y
|
+11.29%
|
5.73%
|
-1.62%
Sep 2020 - Oct 2020
|
7 - 5 |
3Y
|
+7.23%
annualized
|
5.10%
|
-3.91%
Feb 2020 - Mar 2020
|
23 - 13 |
5Y
|
+5.83%
annualized
|
4.31%
|
-3.91%
Feb 2020 - Mar 2020
|
42 - 18 |
10Y
|
+5.52%
annualized
|
3.78%
|
-3.91%
Feb 2020 - Mar 2020
|
83 - 37 |
MAX
01 Jan 1987
|
+6.99%
annualized
|
4.56%
|
-8.42%
May 2008 - Oct 2008
|
292 - 119 |
* 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 |
+5.66% | 0 | 100 | 0 | Compare | |
Stocks/Bonds 20/80 |
+5.52% | 20 | 80 | 0 | ||
Developed World 20/80 |
+5.03% | 20 | 80 | 0 | Compare | |
Edge Select Conservative Merrill Lynch |
+4.66% | 21 | 79 | 0 | Compare | |
Total Bond Developed World |
+4.56% | 0 | 100 | 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 |
+7.15% |
+21.70% Jan 1995 - Dec 1995 |
-7.75% Nov 2007 - Oct 2008 |
5.50% |
2 Years |
+7.11% |
+15.27% Oct 1990 - Sep 1992 |
-1.26% Mar 2007 - Feb 2009 |
1.03% |
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 |
+6.90% |
+11.16% Oct 1990 - Sep 1997 |
+3.53% Nov 2001 - Oct 2008 |
0.00% |
10 Years |
+6.87% |
+10.82% Jan 1989 - Dec 1998 |
+4.23% Mar 1999 - Feb 2009 |
0.00% |
15 Years |
+6.64% |
+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 | 0.7 | 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 |
77 | 69 | 60 | 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 |
2021 |
-1.60% | -0.8 | -0.6 | -0.3 | |||||||||
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