Data Source: from October 2013 to December 2021

Last Update: 31 December 2021

The Stocks/Bonds 40/60 with Bitcoin Portfolio is exposed for 39% on the Stock Market and for 2% on Commodities.

It's a Medium Risk portfolio and it can be replicated with 3 ETFs.

In the last 5 years, the portfolio obtained a 15.34% compound annual return, with a 8.75% standard deviation.

Asset Allocation and ETFs

The Stocks/Bonds 40/60 with Bitcoin Portfolio has the following asset allocation:

39% Stocks
59% Fixed Income
2% Commodities

The Stocks/Bonds 40/60 with Bitcoin Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
39.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
59.00 % BND Vanguard Total Bond Market Bond, U.S., All-Term
2.00 % ^BTC Bitcoin Commodities
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 40/60 with Bitcoin Portfolio guaranteed the following returns.

STOCKS/BONDS 40/60 WITH BITCOIN PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*)
Stocks/Bonds 40/60 with Bitcoin Portfolio +0.77 +4.02 +4.58 +10.09 +15.93 +15.34
--- Inflation Adjusted return +0.30 +1.77 +1.14 +2.77 +11.98 +12.07
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54
^BTC
Bitcoin
-19.34 +5.94 +32.88 +59.10 +132.41 +117.46
(*) 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%

In 2021, the portfolio granted a 1.80% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 40/60 with Bitcoin Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Stocks/Bonds 40/60 with Bitcoin Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

STOCKS/BONDS 40/60 WITH BITCOIN 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
+0.77%
+0.30%
0.00%
1 - 0
3M
+4.02%
+1.77%
-0.78%
Nov 2021 - Nov 2021
2 - 1
6M
+4.58%
+1.14%
-2.68%
Sep 2021 - Sep 2021
4 - 2
YTD
+10.09%
+2.77%
5.93%
-2.68%
Sep 2021 - Sep 2021
8 - 4
67% pos
1Y
+10.09%
+2.77%
5.93%
-2.68%
Sep 2021 - Sep 2021
8 - 4
67% pos
3Y
+15.93%
annualized
+11.98%
annualized
8.65%
-8.64%
Feb 2020 - Mar 2020
26 - 10
72% pos
5Y
+15.34%
annualized
+12.07%
annualized
8.75%
-8.64%
Feb 2020 - Mar 2020
43 - 17
72% pos
MAX
01 Oct 2013
+13.03%
annualized
+10.56%
annualized
9.35%
-8.64%
Feb 2020 - Mar 2020
66 - 33
67% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Stocks/Bonds 40/60 with Bitcoin Portfolio actually efficient, compared to other Lazy Portfolios?

Similar portfolios, ordered by 5 Years annualized return.

These portfolios share asset allocation strategy and/or similar asset weights. Comparing their returns and drawdowns, you can get an idea of the risk you are facing implementing one of them.

5 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Stocks/Bonds 40/60 2x Leveraged
+16.41% -9.59% 40 60 0 Compare
Stocks/Bonds 40/60 with Bitcoin
+15.34% -8.64% 39 59 2
Stocks/Bonds 40/60
+9.44% -8.09% 40 60 0 Compare
Stocks/Bonds 40/60 Momentum
+9.41% -7.68% 40 60 0 Compare
Stocks/Bonds 40/60 ESG
+8.35% -6.32% 40 60 0 Compare

Best Classic Portfolios, with Medium Risk, ordered by 5 Years annualized return.

5 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Couch Potato
Scott Burns
+11.67% -10.72% 50 50 0 Compare
All Weather Portfolio
Ray Dalio
+9.60% -4.76% 30 55 15 Compare
Stocks/Bonds 40/60
+9.44% -8.09% 40 60 0 Compare
Permanent Portfolio
Harry Browne
+8.91% -4.43% 25 50 25 Compare
Simplified Permanent Portfolio
+8.74% -3.82% 25 50 25 Compare

See all portfolios

Capital Growth

Time Range:

An investment of 1000$, since January 2017, now would be worth 2041.16$, with a total return of 104.12% (15.34% annualized).

The Inflation Adjusted Capital now would be 1767.57$, with a net total return of 76.76% (12.07% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 2017 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-8.64% Feb 2020 Mar 2020 2 May 2020 2 4
-5.78% Sep 2018 Dec 2018 4 Mar 2019 3 7
-2.95% Feb 2018 Mar 2018 2 Aug 2018 5 7
-2.68% Sep 2021 Sep 2021 1 Oct 2021 1 2
-1.94% Sep 2020 Oct 2020 2 Nov 2020 1 3
-1.06% May 2021 May 2021 1 Jun 2021 1 2
-0.78% Nov 2021 Nov 2021 1 in progress 1 2
-0.37% Jan 2021 Jan 2021 1 Feb 2021 1 2
-0.29% Mar 2017 Mar 2017 1 Apr 2017 1 2
-0.26% Sep 2019 Sep 2019 1 Oct 2019 1 2
-0.19% Sep 2017 Sep 2017 1 Oct 2017 1 2
-0.11% May 2019 May 2019 1 Jun 2019 1 2

Rolling Returns ( more details)

Stocks/Bonds 40/60 with Bitcoin Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+12.42% +35.89%
Feb 2017 - Jan 2018
-3.54%
Jan 2018 - Dec 2018
5.68%
2 Years
+12.05% +23.23%
Feb 2016 - Jan 2018
+1.89%
Dec 2013 - Nov 2015
0.00%
3 Years
+12.51% +16.35%
Feb 2017 - Jan 2020
+3.31%
Dec 2013 - Nov 2016
0.00%
5 Years
+12.65% +15.88%
Nov 2016 - Oct 2021
+8.64%
Dec 2013 - Nov 2018
0.00%
7 Years
+12.00% +12.52%
Nov 2014 - Oct 2021
+10.39%
Dec 2013 - Nov 2020
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 40/60 with Bitcoin Portfolio: Rolling Returns page.

Seasonality

Stocks/Bonds 40/60 with Bitcoin 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 %
0.61
50%
0.57
75%
-0.19
38%
1.74
88%
1.03
75%
1.26
88%
1.34
88%
1.11
75%
-0.86
13%
1.47
67%
3.83
89%
0.49
56%
Best
Year
3.8
2019
2.4
2017
3.1
2016
6.8
2020
2.5
2017
4.7
2019
3.6
2020
4.3
2017
0.3
2016
4.4
2017
15.8
2013
4.8
2017
Worst
Year
-1.7
2016
-2.3
2020
-6.5
2020
-0.1
2015
-1.1
2021
-1.2
2015
-1.0
2014
-2.9
2015
-2.7
2021
-3.7
2018
-0.8
2021
-4.9
2013
Statistics calculated for the period Oct 2013 - Dec 2021

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

Monthly/Yearly Returns

Stocks/Bonds 40/60 with Bitcoin Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
66 Positive Months (67%) - 33 Negative Months (33%)
Oct 2013 - 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
+10.09 +2.77 -0.4 1.1 1.7 2.4 -1.1 1.4 1.8 1.4 -2.7 4.0 -0.8 0.8
2020
+18.86 +17.34 1.8 -2.3 -6.5 6.8 2.5 1.2 3.6 2.2 -1.7 -0.3 6.6 4.3
2019
+19.07 +16.43 3.8 1.6 1.8 2.2 -0.1 4.7 0.2 0.5 -0.3 1.4 0.8 1.0
2018
-3.54 -5.35 0.8 -2.0 -1.0 0.0 1.2 0.1 1.5 1.7 -0.3 -3.7 0.8 -2.7
2017
+35.81 +33.01 0.8 2.4 -0.3 1.4 2.5 1.1 1.3 4.3 -0.2 4.4 8.9 4.8
2016
+8.97 +6.78 -1.7 0.8 3.1 0.7 1.0 1.7 1.9 -0.4 0.3 -1.0 0.4 2.0
2015
+1.21 +0.57 -0.2 1.5 -0.2 -0.1 0.3 -1.2 1.4 -2.9 -0.6 3.6 0.3 -0.6
2014
+7.16 +6.46 -0.1 1.4 -0.2 0.4 1.9 1.0 -1.0 2.2 -1.5 1.4 1.6 -0.1
2013
- - 3.3 15.8 -4.9
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