Data Source: from January 1987 to September 2021

Last Update: 30 September 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 5.66% compound annual return, with a 3.82% standard deviation.

In the last 25 years, a 6.14% compound annual return, with a 4.23% 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 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Stocks/Bonds 20/80 Portfolio -1.82 -0.04 +3.23 +5.19 +7.60 +5.73 +5.66 +5.53 +6.14
Components
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
BND
Vanguard Total Bond Market
-1.01 -0.05 +1.88 -1.04 +5.36 +2.88 +2.88 +4.09 +4.86
(*) 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 September 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-1.82%
-1.82%
Sep 2021 - Sep 2021
0 - 1
3M
-0.04%
-1.82%
Sep 2021 - Sep 2021
2 - 1
6M
+3.23%
-1.82%
Sep 2021 - Sep 2021
5 - 1
YTD
+1.57%
-1.82%
Sep 2021 - Sep 2021
5 - 4
1Y
+5.19%
4.64%
-1.82%
Sep 2021 - Sep 2021
7 - 5
3Y
+7.60%
annualized
5.26%
-3.91%
Feb 2020 - Mar 2020
24 - 12
5Y
+5.73%
annualized
4.44%
-3.91%
Feb 2020 - Mar 2020
42 - 18
10Y
+5.66%
annualized
3.82%
-3.91%
Feb 2020 - Mar 2020
84 - 36
20Y
+5.53%
annualized
4.10%
-8.42%
May 2008 - Oct 2008
170 - 70
25Y
+6.14%
annualized
4.23%
-8.42%
May 2008 - Oct 2008
212 - 88
MAX
01 Jan 1987
+6.98%
annualized
4.55%
-8.42%
May 2008 - Oct 2008
297 - 120
* Annualized St.Dev. of monthly returns

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
+7.14% -23.98% 0 100 0 Compare
All Country World 20/80
+6.24% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
+6.14% -8.42% 20 80 0
All Country World Bonds
+5.81% -8.82% 0 100 0 Compare
Dimensional Retirement Income Fund
DFA
+5.77% -12.91% 20.4 79.6 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
5.42%
2 Years
+7.12% +15.27%
Oct 1990 - Sep 1992
-1.26%
Mar 2007 - Feb 2009
1.02%
3 Years
+7.04% +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
+6.87% +11.16%
Oct 1990 - Sep 1997
+3.53%
Nov 2001 - Oct 2008
0.00%
10 Years
+6.85% +10.82%
Jan 1989 - Dec 1998
+4.23%
Mar 1999 - Feb 2009
0.00%
15 Years
+6.62% +9.17%
Jun 1988 - May 2003
+4.82%
Jan 2004 - Dec 2018
0.00%
20 Years
+6.62% +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 and Yearly/Monthly Returns

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%
0.33
74%
0.69
71%
0.96
79%
Best
Year
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
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
-1.0
1996
Statistics calculated for the period Jan 1987 - Sep 2021

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

Monthly Returns of Stocks/Bonds 20/80 Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+1.57% -0.8 -0.6 -0.3 1.8 0.2 1.3 1.3 0.5 -1.8
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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