Data Source: from January 1972 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.15%
1 Day
Jul 05 2022, 02:59PM Eastern Time
1.00%
Current Month
July 2022

The Stocks/Bonds 20/80 Portfolio is a Low Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 20% on the Stock Market.

In the last 30 Years, the Stocks/Bonds 20/80 Portfolio obtained a 5.93% compound annual return, with a 4.43% 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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1972.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
STOCKS/BONDS 20/80 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Stocks/Bonds 20/80 Portfolio 0.15 1.00 -2.91 -12.54 -10.80 2.96 3.77 5.93
US Inflation Adjusted return -2.91 -15.95 -17.08 -0.62 1.27 3.37
Components
VTI
Vanguard Total Stock Market
-0.20 02:59PM
Jul 05 2022
0.85 -8.23 -21.32 -14.17 10.53 12.52 9.81
BND
Vanguard Total Bond Market
0.23 02:59PM
Jul 05 2022
1.03 -1.66 -10.35 -10.42 0.84 1.40 4.63
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Portfolio Dividends

In 2021, the Stocks/Bonds 20/80 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.

Historical Returns as of Jun 30, 2022

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

STOCKS/BONDS 20/80 PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1972 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Jun 2022
-2.91
-2.91
-2.91
Jun 2022 - Jun 2022
0 - 1
3M
-7.20
-8.40
-7.20
Apr 2022 - Jun 2022
1 - 2
6M
-12.54
-15.95
-12.54
Jan 2022 - Jun 2022
1 - 5
YTD
-12.54
-15.95
-12.54
Jan 2022 - Jun 2022
1 - 5
1Y
-10.80
-17.08
6.67
-12.54
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
1.40
-2.98
6.39
-12.54
Jan 2022 - Jun 2022
21 - 15
58% pos
5Y(*)
2.96
-0.62
5.50
-12.54
Jan 2022 - Jun 2022
39 - 21
65% pos
10Y(*)
3.77
1.27
4.46
-12.54
Jan 2022 - Jun 2022
80 - 40
67% pos
15Y(*)
4.48
2.13
4.72
-12.54
Jan 2022 - Jun 2022
121 - 59
67% pos
20Y(*)
4.84
2.33
4.42
-12.54
Jan 2022 - Jun 2022
167 - 73
70% pos
25Y(*)
5.25
2.76
4.41
-12.54
Jan 2022 - Jun 2022
208 - 92
69% pos
30Y(*)
5.93
3.37
4.43
-12.54
Jan 2022 - Jun 2022
255 - 105
71% pos
MAX(*)
01 Jan 1972
7.45
3.36
5.73
-12.54
Jan 2022 - Jun 2022
419 - 187
69% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 5624.26$, with a total return of 462.43% (5.93% annualized).

The Inflation Adjusted Capital now would be 2703.36$, with a net total return of 170.34% (3.37% annualized).
An investment of 1000$, since January 1972, now would be worth 37705.29$, with a total return of 3670.53% (7.45% annualized).

The Inflation Adjusted Capital now would be 5316.73$, with a net total return of 431.67% (3.36% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-12.54% Jan 2022 Jun 2022 6 in progress 6
-8.42% May 2008 Oct 2008 6 Jul 2009 9 15
-5.50% Feb 1994 Jun 1994 5 Feb 1995 8 13
-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
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-12.54% Jan 2022 Jun 2022 6 in progress 6
-8.42% May 2008 Oct 2008 6 Jul 2009 9 15
-7.96% Nov 1973 Aug 1974 10 Jan 1975 5 15
-7.75% Oct 1979 Mar 1980 6 Apr 1980 1 7
-6.14% Sep 1987 Nov 1987 3 Feb 1988 3 6
-5.50% Feb 1994 Jun 1994 5 Feb 1995 8 13
-5.25% Feb 1984 May 1984 4 Aug 1984 3 7
-4.80% Jun 1981 Sep 1981 4 Oct 1981 1 5
-4.25% Jan 1973 Jul 1973 7 Sep 1973 2 9
-3.92% Feb 2020 Mar 2020 2 Apr 2020 1 3
-3.91% Oct 1978 Oct 1978 1 Jan 1979 3 4
-3.81% Aug 1980 Oct 1980 3 Mar 1981 5 8
-3.39% Jul 1975 Sep 1975 3 Oct 1975 1 4
-3.38% Dec 1981 Jan 1982 2 Apr 1982 3 5
-3.14% Sep 1986 Sep 1986 1 Nov 1986 2 3
-3.09% Aug 1990 Sep 1990 2 Nov 1990 2 4
-3.03% Jan 1977 Feb 1977 2 Jun 1977 4 6
-2.99% Apr 1987 May 1987 2 Jul 1987 2 4
-2.91% Jan 1990 Jan 1990 1 May 1990 4 5
-2.67% Sep 2018 Oct 2018 2 Jan 2019 3 5

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
7.95 35.57
Jul 1982 - Jun 1983
-10.80
Jul 2021 - Jun 2022
7.56%
2 Years
7.98 26.49
Jul 1984 - Jun 1986
-2.17
Sep 1972 - Aug 1974
2.57%
3 Years
8.06 20.41
Jul 1982 - Jun 1985
1.37
Mar 2006 - Feb 2009
0.00%
5 Years
8.11 20.12
Sep 1981 - Aug 1986
2.35
Mar 2004 - Feb 2009
0.00%
7 Years
8.19 16.81
Apr 1980 - Mar 1987
3.35
Jul 2015 - Jun 2022
0.00%
10 Years
8.38 14.44
Oct 1981 - Sep 1991
3.77
Jul 2012 - Jun 2022
0.00%
15 Years
8.42 12.55
Oct 1981 - Sep 1996
4.48
Jul 2007 - Jun 2022
0.00%
20 Years
8.41 11.85
Apr 1980 - Mar 2000
4.84
Jul 2002 - Jun 2022
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: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
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 %
0.64
71%
0.20
61%
0.24
61%
0.70
75%
0.76
67%
0.61
71%
0.55
66%
0.63
72%
0.47
62%
0.59
72%
1.12
76%
0.87
78%
Best
Year
3.6
1987
4.0
1986
4.1
1986
9.5
1980
5.7
1985
3.2
1988
3.9
1997
6.2
1982
4.1
1982
6.4
1981
7.7
1981
4.7
2008
Worst
Year
-3.3
2009
-5.9
1980
-3.7
2020
-5.0
2022
-3.6
1984
-2.9
2022
-2.4
1983
-3.4
1980
-3.1
1986
-6.0
1979
-1.6
1973
-3.0
1981
Statistics calculated for the period Jan 1972 - Jun 2022

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
419 Positive Months (69%) - 187 Negative Months (31%)
Jan 1972 - Jun 2022
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
2022
-12.54 -15.95 -2.9 -1.4 -1.6 -5.0 0.6 -2.9
2021
+3.64 -3.22 -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 +8.98 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 -2.99 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 +4.86 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
1986
+15.00 +13.65 0.6 4.0 4.1 0.4 -0.6 2.7 -0.1 3.9 -3.1 2.1 1.1 -0.7
1985
+24.05 +19.52 3.5 -1.2 1.4 1.8 5.7 1.1 -0.4 1.2 -0.2 2.3 3.3 3.3
1984
+12.45 +8.08 1.2 -1.2 -0.6 0.0 -3.6 1.5 3.1 3.1 1.7 3.5 1.6 1.7
1983
+8.71 +4.74 0.8 2.8 0.0 3.4 -1.1 0.9 -2.4 0.3 2.8 -0.5 1.5 -0.1
1982
+29.01 +24.25 -0.4 0.3 0.0 3.2 0.8 -2.0 3.3 6.2 4.1 6.3 2.3 1.9
1981
+6.70 -2.03 -0.6 -1.6 2.9 -2.3 2.5 0.0 -1.8 -2.5 -0.6 6.4 7.7 -3.0
1980
+8.94 -3.04 -0.2 -5.9 -1.4 9.5 4.9 2.6 0.1 -3.4 0.8 -1.2 2.2 1.4
1979
+9.13 -3.64 2.8 -1.0 2.3 0.3 1.3 2.5 0.1 0.8 0.3 -6.0 4.4 1.5
1978
+2.61 -5.85 -1.2 -0.1 0.8 1.8 0.4 -0.4 1.9 1.6 0.1 -3.9 2.0 -0.2
1977
+0.16 -6.11 -2.7 -0.4 0.4 0.7 0.4 2.0 -0.9 0.5 -0.1 -1.4 1.6 0.1
1976
+16.30 +10.72 3.3 0.5 1.3 0.4 -1.1 2.1 0.7 1.4 1.4 0.9 3.0 1.4
1975
+13.45 +5.90 3.4 2.5 0.0 -0.3 3.5 1.2 -1.9 -0.3 -1.2 4.3 0.5 1.5
1974
-1.00 -11.69 0.2 0.3 -2.2 -2.2 0.2 -0.8 -1.2 -1.5 0.8 3.3 1.2 0.8
1973
-0.06 -8.26 -0.8 -1.4 0.0 -0.2 -0.1 -0.1 -1.8 2.0 3.4 0.2 -1.6 0.5
1972
+5.70 +2.22 0.1 1.3 -0.9 1.2 1.1 -0.8 0.4 0.4 0.3 0.5 1.7 0.2

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

Portfolio efficiency

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

Overall Ratings

The Stocks/Bonds 20/80 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)
+5.25%
(+2.76%)
Good : 3.1 / 5
Bad : 1.7 / 5
Standard Deviation
over 25 Years
4.41%
Average : 2.2 / 5
Excellent : 4.7 / 5
Maximum Drawdown
over 25 Years
-12.54%
Bad : 2 / 5
Excellent : 4.4 / 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

Best Classic Portfolios, with Low Risk

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30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return Drawdown Stocks Bonds Comm
High Yield Bonds Income
+0.80 +6.91 -23.97 0 100 0
All Country World 20/80
+0.54 +6.10 -14.04 20 80 0
Stocks/Bonds 20/80
+1.00 +5.93 -12.54 20 80 0
US Inflation Protection
+1.31 +5.80 -11.79 0 100 0
Dimensional Retirement Income Fund
DFA
+0.89 +5.79 -12.91 20.4 79.6 0

See all portfolios

Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 03:00PM Eastern Time.
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