Last Update: 30 June 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 5.67% compound annual return, with a 3.77% 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:

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: 30 June 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Stocks/Bonds 20/80 Portfolio +1.25 +3.27 +1.62 +7.38 +8.17 +5.99 +5.67
Components
VTI - Vanguard Total Stock Market +2.48 +8.13 +15.21 +44.42 +18.73 +17.90 +14.70
BND - Vanguard Total Bond Market +0.90 +1.93 -1.78 -0.59 +5.41 +2.98 +3.29
(*) 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

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.

STOCKS/BONDS 20/80 PORTFOLIO
Last Update: 30 June 2021
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Period Returns
Jun 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+1.25%
0.00%
1 - 0
3M
+3.27%
0.00%
3 - 0
6M
+1.62%
-1.61%
Jan 2021 - Mar 2021
3 - 3
YTD
+1.62%
-1.61%
Jan 2021 - Mar 2021
3 - 3
1Y
+7.38%
4.49%
-1.62%
Sep 2020 - Oct 2020
7 - 5
3Y
+8.17%
annualized
5.10%
-3.91%
Feb 2020 - Mar 2020
24 - 12
5Y
+5.99%
annualized
4.33%
-3.91%
Feb 2020 - Mar 2020
42 - 18
10Y
+5.67%
annualized
3.77%
-3.91%
Feb 2020 - Mar 2020
84 - 36
MAX
01 Jan 1987
+7.04%
annualized
4.55%
-8.42%
May 2008 - Oct 2008
295 - 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
+5.79% 0 100 0 Compare
Stocks/Bonds 20/80
+5.67% 20 80 0
All Country World 20/80
+5.33% 20 80 0 Compare
Developed World ex-US 20/80
+5.00% 20 80 0 Compare
Edge Select Conservative
Merrill Lynch
+4.73% 21 79 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+7.15% +21.70%
Jan 1995 - Dec 1995
-7.75%
Nov 2007 - Oct 2008
5.46%
2 Years
+7.12% +15.27%
Oct 1990 - Sep 1992
-1.26%
Mar 2007 - Feb 2009
1.02%
3 Years
+7.03% +14.01%
Jan 1995 - Dec 1997
+1.37%
Mar 2006 - Feb 2009
0.00%
5 Years
+6.97% +12.26%
Sep 1988 - Aug 1993
+2.35%
Mar 2004 - Feb 2009
0.00%
7 Years
+6.89% +11.16%
Oct 1990 - Sep 1997
+3.53%
Nov 2001 - Oct 2008
0.00%
10 Years
+6.86% +10.82%
Jan 1989 - Dec 1998
+4.23%
Mar 1999 - Feb 2009
0.00%
15 Years
+6.63% +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

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.7 0.4 0.2 0.7 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 77 66 77 74 71 62 74 71 79

Detail of Monthly Returns

Swipe left to see all data
Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+1.62% -0.8 -0.6 -0.3 1.8 0.2 1.3
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

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