Data Source: from January 1972 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.18%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.72%
Current Month
July 2022

The Stocks/Bonds 40/60 Portfolio is a Medium Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 40% on the Stock Market.

In the last 30 Years, the Stocks/Bonds 40/60 Portfolio obtained a 7.10% compound annual return, with a 6.51% standard deviation.

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 implemented 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.

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 40/60 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM 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 40/60 Portfolio -0.18 0.72 -4.19 -14.74 -11.38 4.99 6.06 7.10
US Inflation Adjusted return -4.19 -18.06 -17.62 1.33 3.51 4.52
Components
VTI
Vanguard Total Stock Market
-0.84 01:59PM
Jul 05 2022
0.21 -8.23 -21.32 -14.17 10.53 12.52 9.81
BND
Vanguard Total Bond Market
0.26 02:00PM
Jul 05 2022
1.06 -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 40/60 Portfolio granted a 1.84% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 40/60 Portfolio: Dividend Yield page.

Historical Returns as of Jun 30, 2022

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

STOCKS/BONDS 40/60 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
-4.19
-4.19
-4.19
Jun 2022 - Jun 2022
0 - 1
3M
-9.61
-10.78
-9.61
Apr 2022 - Jun 2022
1 - 2
6M
-14.74
-18.06
-14.74
Jan 2022 - Jun 2022
1 - 5
YTD
-14.74
-18.06
-14.74
Jan 2022 - Jun 2022
1 - 5
1Y
-11.38
-17.62
8.99
-14.74
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
3.62
-0.85
9.04
-14.74
Jan 2022 - Jun 2022
24 - 12
67% pos
5Y(*)
4.99
1.33
8.00
-14.74
Jan 2022 - Jun 2022
41 - 19
68% pos
10Y(*)
6.06
3.51
6.43
-14.74
Jan 2022 - Jun 2022
85 - 35
71% pos
15Y(*)
5.71
3.33
7.05
-19.17
Nov 2007 - Feb 2009
122 - 58
68% pos
20Y(*)
6.17
3.63
6.51
-19.17
Nov 2007 - Feb 2009
168 - 72
70% pos
25Y(*)
6.20
3.69
6.69
-19.17
Nov 2007 - Feb 2009
202 - 98
67% pos
30Y(*)
7.10
4.52
6.51
-19.17
Nov 2007 - Feb 2009
248 - 112
69% pos
MAX(*)
01 Jan 1972
8.36
4.24
7.51
-19.17
Nov 2007 - Feb 2009
411 - 195
68% 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$, since July 1992, now would be worth 7830.16$, with a total return of 683.02% (7.10% annualized).

The Inflation Adjusted Capital now would be 3763.65$, with a net total return of 276.36% (4.52% annualized).
An investment of 1000$, since January 1972, now would be worth 57784.43$, with a total return of 5678.44% (8.36% annualized).

The Inflation Adjusted Capital now would be 8148.03$, with a net total return of 714.80% (4.24% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-19.17% Nov 2007 Feb 2009 16 Nov 2009 9 25
-14.74% Jan 2022 Jun 2022 6 in progress 6
-8.59% Sep 2000 Sep 2002 25 May 2003 8 33
-8.09% Feb 2020 Mar 2020 2 May 2020 2 4
-6.25% Jul 1998 Aug 1998 2 Nov 1998 3 5
-5.98% Feb 1994 Jun 1994 5 Feb 1995 8 13
-5.36% Sep 2018 Dec 2018 4 Mar 2019 3 7
-4.76% Jun 2011 Sep 2011 4 Dec 2011 3 7
-3.96% May 2010 Jun 2010 2 Sep 2010 3 5
-3.79% Apr 2000 May 2000 2 Aug 2000 3 5
-3.41% Jun 2015 Sep 2015 4 Mar 2016 6 10
-2.87% Feb 2018 Apr 2018 3 Jul 2018 3 6
-2.59% Sep 2020 Oct 2020 2 Nov 2020 1 3
-2.57% Feb 1999 Feb 1999 1 Apr 1999 2 3
-2.56% Sep 2021 Sep 2021 1 Oct 2021 1 2
-2.46% Apr 2004 Apr 2004 1 Sep 2004 5 6
-2.41% Mar 1997 Mar 1997 1 Apr 1997 1 2
-2.32% Jul 1999 Sep 1999 3 Oct 1999 1 4
-2.15% Jul 1996 Jul 1996 1 Sep 1996 2 3
-2.12% Aug 1997 Aug 1997 1 Sep 1997 1 2
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-19.17% Nov 2007 Feb 2009 16 Nov 2009 9 25
-17.04% Jan 1973 Sep 1974 21 May 1975 8 29
-14.74% Jan 2022 Jun 2022 6 in progress 6
-13.08% Sep 1987 Nov 1987 3 Oct 1988 11 14
-8.59% Sep 2000 Sep 2002 25 May 2003 8 33
-8.39% Feb 1980 Mar 1980 2 May 1980 2 4
-8.09% Feb 2020 Mar 2020 2 May 2020 2 4
-6.81% Jun 1981 Sep 1981 4 Nov 1981 2 6
-6.34% Oct 1979 Oct 1979 1 Dec 1979 2 3
-6.25% Jul 1998 Aug 1998 2 Nov 1998 3 5
-5.98% Feb 1994 Jun 1994 5 Feb 1995 8 13
-5.93% Jul 1975 Sep 1975 3 Dec 1975 3 6
-5.90% Sep 1978 Oct 1978 2 Mar 1979 5 7
-5.84% Feb 1984 May 1984 4 Aug 1984 3 7
-5.70% Aug 1990 Sep 1990 2 Dec 1990 3 5
-5.36% Sep 2018 Dec 2018 4 Mar 2019 3 7
-5.08% Dec 1981 Mar 1982 4 Aug 1982 5 9
-4.76% Jun 2011 Sep 2011 4 Dec 2011 3 7
-4.37% Sep 1986 Sep 1986 1 Jan 1987 4 5
-3.96% May 2010 Jun 2010 2 Sep 2010 3 5

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
9.00 42.98
Jul 1982 - Jun 1983
-16.25
Mar 2008 - Feb 2009
12.61%
2 Years
8.95 27.88
Jul 1984 - Jun 1986
-7.31
Mar 2007 - Feb 2009
6.17%
3 Years
9.02 21.82
Aug 1984 - Jul 1987
-2.41
Mar 2006 - Feb 2009
1.40%
5 Years
9.07 20.32
Apr 1982 - Mar 1987
0.55
Mar 2004 - Feb 2009
0.00%
7 Years
9.14 17.94
Apr 1980 - Mar 1987
2.31
Mar 2002 - Feb 2009
0.00%
10 Years
9.27 14.86
Oct 1981 - Sep 1991
2.89
Mar 1999 - Feb 2009
0.00%
15 Years
9.24 13.88
Aug 1982 - Jul 1997
5.31
Sep 2000 - Aug 2015
0.00%
20 Years
9.22 13.30
Apr 1980 - Mar 2000
5.38
Apr 2000 - Mar 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 Portfolio: Rolling Returns page.

Seasonality

Stocks/Bonds 40/60 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 %
0.81
67%
0.30
61%
0.42
65%
0.92
75%
0.82
67%
0.62
67%
0.60
62%
0.59
68%
0.24
56%
0.62
68%
1.34
78%
1.07
82%
Best
Year
6.0
1975
4.8
1986
4.5
1986
8.4
1980
5.6
1985
3.7
2019
4.9
1997
7.5
1982
3.8
1973
7.6
1982
7.0
1981
6.2
1991
Worst
Year
-4.5
2009
-4.4
2009
-6.1
2020
-6.0
2022
-4.0
1984
-4.2
2022
-3.2
1975
-5.5
1998
-4.4
1986
-8.9
1987
-4.1
1973
-3.0
1981
Statistics calculated for the period Jan 1972 - Jun 2022

Monthly/Yearly Returns

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

MONTHLY RETURNS HISTOGRAM
411 Positive Months (68%) - 195 Negative Months (32%)
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
-14.74 -18.06 -3.7 -1.7 -0.4 -6.0 0.4 -4.2
2021
+9.15 +1.92 -0.7 0.3 0.8 2.6 0.3 1.6 1.4 1.2 -2.6 3.0 -0.6 1.5
2020
+13.04 +11.61 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 +14.97 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 -3.99 1.3 -2.2 -0.4 -0.3 1.5 0.3 1.3 1.8 -0.2 -3.7 1.2 -2.7
2017
+10.63 +8.32 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 +4.50 -1.6 0.5 3.3 0.5 0.7 1.3 1.9 -0.1 0.2 -1.4 0.3 1.0
2015
+0.48 -0.16 0.3 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 +7.81 -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 +10.45 1.8 0.8 1.7 1.3 -0.1 -1.6 2.7 -1.8 2.4 2.4 1.1 0.9
2012
+8.47 +6.60 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 +2.02 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 +9.12 -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 +10.63 -4.5 -4.4 3.7 4.4 2.6 0.5 3.9 2.2 2.4 -1.0 3.2 0.5
2008
-10.67 -10.65 -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 +2.11 0.7 0.2 0.5 1.9 1.1 -1.0 -1.0 1.4 2.0 1.3 -0.8 -0.1
2006
+8.84 +6.16 1.2 0.3 0.2 0.3 -1.4 0.1 0.7 1.9 1.4 1.9 1.6 0.2
2005
+3.96 +0.60 -0.6 0.4 -1.0 -0.1 2.1 0.6 1.1 0.4 -0.3 -1.4 2.1 0.6
2004
+7.66 +4.17 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 +12.40 -1.1 0.2 0.2 3.9 3.5 0.6 -1.0 1.4 1.1 2.0 0.8 2.3
2002
-3.23 -5.58 0.1 -0.2 0.5 -0.8 -0.1 -2.5 -2.7 1.4 -2.4 1.9 2.0 -0.4
2001
+0.67 -0.92 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 -0.80 -1.8 1.7 3.1 -2.4 -1.4 3.0 -0.2 3.6 -1.4 -0.4 -2.7 1.8
1999
+9.07 +6.23 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 +12.64 1.0 2.9 2.3 0.8 -0.6 2.0 -0.8 -5.5 3.7 2.5 2.8 2.9
1997
+18.06 +16.09 2.3 0.0 -2.4 2.7 3.4 2.5 4.9 -2.1 3.3 -0.7 1.6 1.3
1996
+10.53 +6.92 1.4 -0.4 0.0 0.7 1.0 0.4 -2.1 1.2 3.2 1.9 3.9 -1.0
1995
+25.22 +22.13 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 -4.15 2.1 -2.0 -3.2 -0.1 0.4 -1.2 2.3 1.8 -1.6 0.6 -1.6 1.0
1993
+10.06 +7.05 1.5 1.4 1.2 -0.7 1.3 1.3 0.3 2.6 0.2 0.8 -1.2 1.0
1992
+7.93 +4.82 -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 +18.57 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 -3.29 -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 +14.14 3.2 -1.1 1.0 3.2 3.1 1.6 4.5 0.1 0.2 0.1 1.1 1.2
1988
+11.34 +6.63 3.6 2.8 -1.3 0.1 -0.6 3.6 -0.5 -1.1 2.8 1.5 -1.2 1.1
1987
+1.97 -2.27 5.9 2.4 0.6 -2.4 0.0 2.7 2.0 1.4 -2.2 -8.9 -2.5 3.8
1986
+14.89 +13.54 0.7 4.8 4.5 0.1 0.8 2.3 -1.6 4.5 -4.4 2.8 1.2 -1.2
1985
+25.86 +21.26 4.9 -0.4 0.9 1.3 5.6 1.2 -0.3 0.7 -1.2 2.9 4.2 3.5
1984
+9.88 +5.61 0.5 -1.9 -0.1 0.1 -4.0 1.7 1.8 5.0 1.3 2.7 0.9 1.8
1983
+12.20 +8.10 1.7 2.8 0.9 4.5 -0.4 1.7 -2.6 0.3 2.5 -1.1 1.9 -0.4
1982
+26.88 +22.20 -0.9 -1.0 -0.2 3.5 0.0 -2.1 2.1 7.5 3.5 7.6 3.0 1.8
1981
+3.99 -4.52 -1.4 -0.8 3.3 -2.0 2.2 -0.3 -1.4 -3.3 -2.0 6.3 7.0 -3.0
1980
+14.99 +2.35 1.5 -4.3 -4.3 8.4 5.1 2.9 1.8 -1.9 1.4 -0.3 4.6 -0.1
1979
+12.91 -0.30 3.3 -1.4 3.3 0.4 0.6 3.0 0.4 2.3 0.2 -6.3 4.9 1.8
1978
+4.07 -4.51 -2.3 -0.3 1.4 3.4 0.9 -0.6 2.9 2.3 -0.1 -5.8 2.4 0.3
1977
-0.72 -6.94 -2.9 -0.7 0.1 0.6 0.0 2.8 -1.0 0.0 0.0 -2.0 2.3 0.2
1976
+18.84 +13.14 5.6 0.5 1.7 0.0 -1.1 2.8 0.3 1.0 1.7 0.1 2.3 2.6
1975
+19.54 +11.59 6.0 3.4 0.8 1.1 4.1 2.4 -3.2 -0.9 -2.0 4.7 1.3 0.7
1974
-7.71 -17.67 0.2 0.3 -2.2 -2.8 -0.8 -1.1 -2.6 -3.1 -1.7 5.9 0.1 0.1
1973
-4.59 -12.42 -1.2 -2.1 -0.1 -1.4 -0.6 -0.2 -0.1 0.8 3.8 0.1 -4.1 0.6
1972
+8.68 +5.10 0.7 1.7 -0.4 1.0 1.2 -1.1 0.2 1.2 0.1 0.6 2.6 0.4

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 40/60 Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Stocks/Bonds 40/60 Portfolio is classified as Medium 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%
Medium Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+6.20%
(+3.69%)
Poor : 1 / 5
Average : 2.3 / 5
Standard Deviation
over 25 Years
6.69%
Good : 3.6 / 5
Excellent : 4.1 / 5
Maximum Drawdown
over 25 Years
-19.17%
Good : 3.9 / 5
Good : 4 / 5
Easy to manage 2 ETFs
Excellent : 4.5 / 5
Excellent : 4.5 / 5
Rating assigned considering all the Medium Risk Portfolios Rating assigned considering all the Portfolios in the database

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

Swipe left to see all data
5 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return Drawdown Stocks Bonds Comm
Stocks/Bonds 40/60 with Bitcoin
+0.75 +9.75 -15.61 39 59 2
Stocks/Bonds 40/60 2x Leveraged
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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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