Last Update: 31 December 2020

The Stocks/Bonds 40/60 Portfolio is exposed for 40% on the Stock Market.

It's a Medium Risk portfolio and it can be replicated with 2 ETFs.

In the last 10 years, the portfolio obtained a 7.9% compound annual return, with a 5.87% standard deviation.

In 2020, the portfolio granted a 2.20% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 40/60 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

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

40% Stocks
60% Fixed Income
0% Commodities

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

Weight Ticker ETF Name Investment Themes
40.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
60.00 % 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 40/60 Portfolio guaranteed the following returns.

STOCKS/BONDS 40/60 PORTFOLIO RETURNS (%)
Last Update: 31 December 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Stocks/Bonds 40/60 Portfolio +2.04 +6.34 +10.31 +13.04 +9.15 +8.94 +7.90
Components
VTI - Vanguard Total Stock Market +4.68 +14.75 +25.36 +21.03 +14.45 +15.44 +13.77
BND - Vanguard Total Bond Market +0.15 +0.80 +1.21 +7.71 +5.40 +4.45 +3.73
(*) 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 40/60 Portfolio: Dividend Yield page.

Historical Returns

Stocks/Bonds 40/60 Portfolio - Historical returns and stats.

STOCKS/BONDS 40/60 PORTFOLIO
Last Update: 31 December 2020
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Period Returns
Dec 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+2.04%
0.00%
1 - 0
3M
+6.34%
-1.11%
Oct 2020 - Oct 2020
2 - 1
6M
+10.31%
-2.59%
Sep 2020 - Oct 2020
4 - 2
YTD
+13.04%
11.24%
-8.09%
Feb 2020 - Mar 2020
8 - 4
1Y
+13.04%
11.24%
-8.09%
Feb 2020 - Mar 2020
8 - 4
3Y
+9.15%
annualized
8.23%
-8.09%
Feb 2020 - Mar 2020
25 - 11
5Y
+8.94%
annualized
6.71%
-8.09%
Feb 2020 - Mar 2020
46 - 14
10Y
+7.90%
annualized
5.87%
-8.09%
Feb 2020 - Mar 2020
89 - 31
MAX
01 Jan 1987
+8.18%
annualized
6.77%
-19.17%
Nov 2007 - Feb 2009
286 - 122

* Annualized St.Dev. of monthly returns

Best Medium Risk Porftolios, ordered by 10Y annualized return.

Portfolio 10Y Return ▾ Stocks Bonds Comm.
Couch Potato
Scott Burns		 +8.93% 50 50 0 Compare
Stocks/Bonds 40/60
 +7.90% 40 60 0
All Weather Portfolio
Ray Dalio		 +7.77% 30 55 15 Compare
Robo Advisor 50
Betterment		 +6.98% 49.9 50.1 0 Compare
Edge Select Moderately Conservative
Merrill Lynch		 +6.93% 37 63 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +8.14% +25.63%
Mar 2009 - Feb 2010 		-16.25%
Mar 2008 - Feb 2009 		11.59%
2 Years
 +8.09% +18.91%
Mar 2009 - Feb 2011 		-7.31%
Mar 2007 - Feb 2009 		5.97%
3 Years
 +8.01% +17.79%
Jan 1995 - Dec 1997 		-2.41%
Mar 2006 - Feb 2009 		1.88%
5 Years
 +7.94% +15.33%
Jan 1995 - Dec 1999 		+0.55%
Mar 2004 - Feb 2009 		0.00%
7 Years
 +7.86% +13.48%
Oct 1990 - Sep 1997 		+2.31%
Mar 2002 - Feb 2009 		0.00%
10 Years
 +7.75% +12.59%
Jan 1989 - Dec 1998 		+2.89%
Mar 1999 - Feb 2009 		0.00%
15 Years
 +7.32% +10.02%
Jan 1987 - Dec 2001 		+5.31%
Sep 2000 - Aug 2015 		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 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Stocks/Bonds 40/60 Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.9 0.5 0.3 0.9 0.8 0.6 0.9 0.3 0.3 0.3 1.0 1.2
Best 5.9
1987 		3.3
1991 		3.7
2009 		6.3
2020 		5.2
1990 		3.7
2019 		5.0
1997 		3.7
2000 		3.7
1998 		4.2
2011 		5.4
2020 		6.2
1991
Worst -4.5
2009 		-4.4
2009 		-6.1
2020 		-2.5
2004 		-2.6
2010 		-3.2
2008 		-2.7
2002 		-5.5
1998 		-3.8
2008 		-8.9
1987 		-2.7
2000 		-2.7
2018
Gain
Frequency		 71 71 71 74 68 71 68 65 59 68 74 85

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
 +13.04% 1.2 -2.2 -6.1 6.3 2.4 1.3 3.1 2.2 -1.5 -1.1 5.4 2.0
2019
 +17.57% 4.1 1.4 1.7 1.7 -1.8 3.7 0.7 0.7 0.4 1.1 1.6 1.2
2018
 -2.15% 1.4 -2.2 -0.4 -0.3 1.5 0.3 1.4 1.8 -0.2 -3.7 1.2 -2.7
2017
 +10.63% 0.9 1.9 0.0 0.9 0.8 0.4 1.0 0.6 0.7 0.9 1.2 0.8
2016
 +6.64% -1.6 0.5 3.3 0.5 0.7 1.3 1.9 -0.1 0.2 -1.5 0.3 1.0
2015
 +0.48% 0.4 1.4 -0.1 0.1 0.2 -1.3 1.2 -2.6 -0.7 3.1 0.0 -1.0
2014
 +8.51% -0.3 2.2 0.1 0.5 1.5 1.1 -1.0 2.4 -1.2 1.5 1.5 0.0
2013
 +12.12% 1.8 0.9 1.7 1.3 -0.1 -1.6 2.7 -1.8 2.4 2.4 1.1 0.9
2012
 +8.47% 2.4 1.8 1.0 0.4 -2.1 1.7 1.1 1.2 1.2 -0.8 0.5 0.0
2011
 +5.14% 0.9 1.7 0.1 2.1 0.2 -1.0 0.0 -1.4 -2.5 4.2 -0.2 1.1
2010
 +10.69% -0.7 1.5 2.4 1.5 -2.6 -1.4 3.2 -0.9 3.5 1.8 -0.2 2.2
2009
 +13.74% -4.5 -4.4 3.7 4.4 2.6 0.5 4.0 2.2 2.4 -1.0 3.2 0.5
2008
 -10.67% -1.7 -0.9 -0.1 1.6 0.2 -3.2 -0.2 1.1 -3.8 -8.0 0.2 4.2
2007
 +6.30% 0.7 0.2 0.5 1.9 1.1 -1.0 -1.0 1.4 2.0 1.3 -0.8 -0.2
2006
 +8.84% 1.2 0.3 0.2 0.3 -1.4 0.1 0.8 1.9 1.4 1.9 1.6 0.2
2005
 +3.96% -0.6 0.4 -1.0 -0.1 2.2 0.6 1.1 0.4 -0.3 -1.4 2.1 0.6
2004
 +7.66% 1.6 1.2 0.1 -2.5 0.3 1.2 -0.9 1.2 0.8 1.2 1.4 2.0
2003
 +14.68% -1.1 0.2 0.2 3.9 3.5 0.6 -1.0 1.4 1.1 2.1 0.8 2.3
2002
 -3.23% 0.1 -0.2 0.5 -0.8 -0.1 -2.5 -2.7 1.4 -2.5 1.9 2.0 -0.4
2001
 +0.67% 2.6 -3.3 -2.2 2.7 0.8 -0.3 0.7 -1.5 -2.6 2.1 1.6 0.2
2000
 +2.61% -1.8 1.7 3.1 -2.4 -1.4 3.0 -0.2 3.7 -1.4 -0.4 -2.7 1.8
1999
 +9.07% 1.9 -2.6 1.9 2.2 -1.3 1.8 -1.6 -0.4 -0.3 2.8 1.5 3.0
1998
 +14.45% 1.0 2.9 2.3 0.8 -0.6 2.0 -0.8 -5.5 3.7 2.6 2.8 2.9
1997
 +18.06% 2.3 0.0 -2.4 2.7 3.4 2.5 5.0 -2.1 3.3 -0.7 1.6 1.3
1996
 +10.53% 1.4 -0.4 0.0 0.7 1.0 0.4 -2.2 1.2 3.3 1.9 3.9 -1.0
1995
 +25.22% 2.0 2.9 1.5 1.8 3.8 1.6 1.5 1.1 2.1 0.3 2.6 1.5
1994
 -1.66% 2.1 -2.0 -3.2 -0.2 0.4 -1.2 2.3 1.9 -1.6 0.6 -1.6 1.0
1993
 +10.06% 1.5 1.4 1.2 -0.7 1.3 1.3 0.3 2.6 0.2 0.8 -1.2 1.1
1992
 +7.93% -0.8 0.9 -1.3 1.0 1.3 0.1 2.7 -0.2 1.2 -0.3 1.6 1.6
1991
 +22.10% 2.7 3.3 1.6 0.7 2.1 -2.0 2.8 2.3 0.6 1.3 -1.2 6.2
1990
 +2.76% -3.9 1.1 1.0 -1.7 5.2 0.7 0.3 -4.3 -1.5 0.5 3.7 2.0
1989
 +19.43% 3.2 -1.1 1.0 3.2 3.1 1.6 4.5 0.1 0.2 0.2 1.1 1.2
1988
 +11.34% 3.6 2.8 -1.3 0.1 -0.6 3.6 -0.6 -1.1 2.8 1.5 -1.2 1.1
1987
 +1.97% 5.9 2.4 0.6 -2.4 0.0 2.7 2.0 1.4 -2.2 -8.9 -2.5 3.8

* 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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