Data Source: from October 2013 to December 2021

Last Update: 31 December 2021

The Stocks/Bonds 60/40 with Bitcoin Portfolio is exposed for 59% on the Stock Market and for 2% on Commodities.

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

In the last 5 years, the portfolio obtained a 18.19% compound annual return, with a 11.17% standard deviation.

Asset Allocation and ETFs

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

59% Stocks
39% Fixed Income
2% Commodities

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

Weight Ticker ETF Name Investment Themes
59.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
39.00 % 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 60/40 with Bitcoin Portfolio guaranteed the following returns.

STOCKS/BONDS 60/40 WITH BITCOIN PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*)
Stocks/Bonds 60/40 with Bitcoin Portfolio +1.60 +5.82 +6.38 +15.60 +20.14 +18.19
--- Inflation Adjusted return +1.13 +3.53 +2.88 +7.91 +16.04 +14.83
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 1.69% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 60/40 with Bitcoin Portfolio: Dividend Yield page.

Historical Returns

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

STOCKS/BONDS 60/40 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
+1.60%
+1.13%
0.00%
1 - 0
3M
+5.82%
+3.53%
-1.09%
Nov 2021 - Nov 2021
2 - 1
6M
+6.38%
+2.88%
-3.35%
Sep 2021 - Sep 2021
4 - 2
YTD
+15.60%
+7.91%
7.63%
-3.35%
Sep 2021 - Sep 2021
8 - 4
67% pos
1Y
+15.60%
+7.91%
7.63%
-3.35%
Sep 2021 - Sep 2021
8 - 4
67% pos
3Y
+20.14%
annualized
+16.04%
annualized
11.71%
-12.82%
Feb 2020 - Mar 2020
26 - 10
72% pos
5Y
+18.19%
annualized
+14.83%
annualized
11.17%
-12.82%
Feb 2020 - Mar 2020
44 - 16
73% pos
MAX
01 Oct 2013
+15.38%
annualized
+12.87%
annualized
11.23%
-12.82%
Feb 2020 - Mar 2020
68 - 31
69% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Stocks/Bonds 60/40 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 60/40 2x Leveraged
+21.71% -18.11% 60 40 0 Compare
Stocks/Bonds 60/40 with Bitcoin
+18.19% -12.83% 59 39 2
Stocks/Bonds 60/40
+12.32% -12.29% 60 40 0 Compare
Stocks/Bonds 60/40 Momentum
+12.26% -11.66% 60 40 0 Compare
Stocks/Bonds 60/40 ESG
+10.68% -10.58% 60 40 0 Compare

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

5 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Simple Path to Wealth
JL Collins
+14.46% -15.47% 75 25 0 Compare
Edge Select Moderately Aggressive
Merrill Lynch
+12.37% -14.28% 69 31 0 Compare
Stocks/Bonds 60/40
+12.32% -12.29% 60 40 0 Compare
Jane Bryant Quinn's Portfolio
Jane Bryant Quinn
+11.79% -15.08% 70 30 0 Compare
Yale Endowment
David Swensen
+11.74% -13.19% 70 30 0 Compare

See all portfolios

Capital Growth

Time Range:

An investment of 1000$, since January 2017, now would be worth 2306.03$, with a total return of 130.60% (18.19% annualized).

The Inflation Adjusted Capital now would be 1996.94$, with a net total return of 99.69% (14.83% 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
-12.82% Feb 2020 Mar 2020 2 Jul 2020 4 6
-8.81% Sep 2018 Dec 2018 4 Apr 2019 4 8
-4.00% Feb 2018 Mar 2018 2 Jul 2018 4 6
-3.35% Sep 2021 Sep 2021 1 Oct 2021 1 2
-2.88% Sep 2020 Oct 2020 2 Nov 2020 1 3
-1.79% May 2019 May 2019 1 Jun 2019 1 2
-1.09% Nov 2021 Nov 2021 1 Dec 2021 1 2
-0.96% May 2021 May 2021 1 Jun 2021 1 2
-0.46% Aug 2019 Aug 2019 1 Oct 2019 2 3
-0.27% Mar 2017 Mar 2017 1 Apr 2017 1 2
-0.26% Jan 2021 Jan 2021 1 Feb 2021 1 2

Rolling Returns ( more details)

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

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+14.70% +43.70%
Apr 2020 - Mar 2021
-4.56%
Jan 2018 - Dec 2018
6.82%
2 Years
+13.84% +27.71%
Feb 2016 - Jan 2018
+2.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+14.32% +20.14%
Jan 2019 - Dec 2021
+4.50%
Dec 2013 - Nov 2016
0.00%
5 Years
+14.50% +19.03%
Nov 2016 - Oct 2021
+9.99%
Apr 2015 - Mar 2020
0.00%
7 Years
+13.96% +14.77%
Nov 2014 - Oct 2021
+12.02%
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 60/40 with Bitcoin Portfolio: Rolling Returns page.

Seasonality

Stocks/Bonds 60/40 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 %
0.54
50%
0.81
75%
-0.33
38%
2.25
100%
1.13
75%
1.53
88%
1.67
88%
1.26
63%
-1.01
38%
1.78
67%
4.45
89%
0.55
56%
Best
Year
5.3
2019
3.0
2017
4.3
2016
8.9
2020
3.4
2020
5.8
2019
4.4
2020
4.1
2017
0.4
2017
5.3
2021
16.3
2013
5.2
2020
Worst
Year
-3.1
2016
-4.2
2020
-9.0
2020
0.1
2015
-1.8
2019
-1.3
2015
-1.4
2014
-4.1
2015
-3.4
2021
-5.0
2018
-1.1
2021
-4.9
2018
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 60/40 with Bitcoin Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
68 Positive Months (69%) - 31 Negative Months (31%)
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
+15.60 +7.91 -0.3 2.1 2.6 3.2 -1.0 1.7 1.9 2.0 -3.4 5.3 -1.1 1.6
2020
+21.52 +19.96 1.4 -4.2 -9.0 8.9 3.4 1.5 4.4 3.8 -2.4 -0.5 8.7 5.2
2019
+23.43 +20.70 5.3 2.3 1.7 3.0 -1.8 5.8 0.5 -0.5 0.2 1.8 1.6 1.5
2018
-4.56 -6.35 2.1 -2.5 -1.5 0.3 1.6 0.2 2.2 2.3 -0.1 -5.0 1.1 -4.9
2017
+39.33 +36.47 1.1 3.0 -0.3 1.5 2.6 1.3 1.6 4.1 0.4 4.7 9.3 4.8
2016
+11.03 +8.80 -3.1 0.6 4.3 0.7 1.4 1.4 2.5 -0.3 0.3 -1.3 1.8 2.3
2015
+1.17 +0.53 -1.2 3.0 -0.5 0.1 0.6 -1.3 1.5 -4.1 -1.3 5.2 0.5 -1.0
2014
+8.50 +7.80 -1.0 2.3 0.0 0.3 2.1 1.6 -1.4 2.8 -1.8 1.9 1.9 -0.2
2013
- - 4.0 16.3 -4.2
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