Last Update: 31 August 2020

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

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

In the last 10 years, the portfolio obtained a 10.46% compound annual return, with a 8.27% standard deviation.

In 2019, the portfolio granted a 2.54% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 60/40 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

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

60% Stocks
40% Fixed Income
0% Commodities

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

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

STOCKS/BONDS 60/40 PORTFOLIO RETURNS (%)
Last Update: 31 August 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Stocks/Bonds 60/40 Portfolio +3.78 +9.58 +12.16 +15.53 +10.55 +10.12 +10.46
Components
VTI - Vanguard Total Stock Market +7.10 +15.85 +18.93 +21.25 +13.89 +13.82 +14.92
BND - Vanguard Total Bond Market -0.94 +1.17 +3.16 +6.56 +5.13 +4.36 +3.51
(*) 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 60/40 Portfolio: Dividend Yield page.

Historical Returns

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

STOCKS/BONDS 60/40 PORTFOLIO
Last Update: 31 August 2020
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Period Returns
Aug 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+3.78%
0.00%
1 - 0
3M
+9.58%
0.00%
3 - 0
6M
+12.16%
-8.55%
Mar 2020 - Mar 2020
5 - 1
YTD
+8.39%
-12.29%
Feb 2020 - Mar 2020
6 - 2
1Y
+15.53%
13.95%
-12.29%
Feb 2020 - Mar 2020
10 - 2
3Y
+10.55%
annualized
10.86%
-12.29%
Feb 2020 - Mar 2020
26 - 10
5Y
+10.12%
annualized
9.19%
-12.29%
Feb 2020 - Mar 2020
46 - 14
10Y
+10.46%
annualized
8.27%
-12.29%
Feb 2020 - Mar 2020
89 - 31
MAX
01 Jan 1987
+9.03%
annualized
9.42%
-30.54%
Nov 2007 - Feb 2009
274 - 130

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ Stocks Bonds Comm.
Simple Path to Wealth
JL Collins
+12.14% 75 25 0 Compare
Stocks/Bonds 60/40
+10.46% 60 40 0
Edge Select Moderately Aggressive
Merrill Lynch
+9.59% 69 31 0 Compare
Talmud Portfolio
Roger Gibson
+9.43% 66.67 33.33 0 Compare
Yale Endowment
David Swensen
+9.37% 70 30 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+9.11% +35.19%
Mar 2009 - Feb 2010
-25.46%
Mar 2008 - Feb 2009
17.30%
2 Years
+8.98% +25.48%
Mar 2009 - Feb 2011
-13.47%
Mar 2007 - Feb 2009
10.76%
3 Years
+8.90% +22.00%
Apr 1995 - Mar 1998
-6.40%
Mar 2006 - Feb 2009
8.40%
5 Years
+8.78% +19.17%
Jan 1995 - Dec 1999
-1.44%
Mar 2004 - Feb 2009
0.58%
7 Years
+8.68% +15.78%
Oct 1990 - Sep 1997
+0.82%
Mar 2002 - Feb 2009
0.00%
10 Years
+8.47% +14.59%
Oct 1990 - Sep 2000
+1.34%
Mar 1999 - Feb 2009
0.00%
15 Years
+7.84% +11.00%
Jan 1987 - Dec 2001
+5.21%
Sep 2000 - Aug 2015
0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Stocks/Bonds 60/40 Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 1.0 0.5 0.5 1.3 0.9 0.5 1.1 0.2 0.3 0.3 1.1 1.5
Best 8.2
1987
4.5
1991
5.1
2009
8.3
2020
6.4
1990
4.8
2019
5.9
1997
4.8
2000
5.4
2010
6.4
2011
4.9
1996
7.7
1991
Worst -5.7
2009
-6.4
2009
-8.6
2020
-3.3
2000
-4.4
2010
-4.8
2008
-4.5
2002
-9.0
1998
-5.5
2008
-13.9
1987
-5.0
2000
-4.9
2018
Gain
Frequency
65 65 68 76 71 65 62 62 61 64 73 85

Detail of Monthly Returns

Swipe left to see all data
Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+8.39% 0.8 -4.1 -8.6 8.3 3.3 1.6 3.9 3.8
2019
+21.94% 5.6 2.2 1.6 2.4 -3.4 4.8 0.9 -0.3 0.9 1.4 2.4 1.8
2018
-3.17% 2.6 -2.7 -0.9 -0.1 1.9 0.4 2.0 2.4 -0.1 -5.0 1.5 -4.9
2017
+14.15% 1.2 2.5 0.0 1.0 0.9 0.6 1.3 0.4 1.3 1.3 1.9 0.9
2016
+8.71% -3.0 0.4 4.5 0.6 1.0 1.0 2.6 0.0 0.2 -1.7 1.7 1.4
2015
+0.44% -0.7 2.8 -0.5 0.2 0.6 -1.5 1.4 -3.8 -1.4 4.6 0.2 -1.4
2014
+9.85% -1.3 3.1 0.2 0.4 1.7 1.6 -1.3 3.0 -1.5 2.0 1.8 0.0
2013
+19.23% 3.0 1.0 2.5 1.4 0.8 -1.5 3.8 -2.3 2.9 3.1 1.7 1.6
2012
+11.13% 3.3 2.6 1.7 0.0 -3.5 2.5 1.0 1.7 1.6 -1.2 0.6 0.5
2011
+3.75% 1.3 2.4 0.2 2.3 -0.2 -1.2 -0.7 -3.0 -4.1 6.4 -0.2 1.1
2010
+12.93% -1.6 2.2 3.7 1.8 -4.4 -2.9 4.4 -2.1 5.4 2.5 0.0 3.8
2009
+18.79% -5.7 -6.4 5.1 6.5 3.6 0.5 5.2 2.7 3.0 -1.6 4.1 1.3
2008
-19.44% -3.2 -1.4 -0.3 2.7 0.8 -4.8 -0.4 1.2 -5.5 -10.9 -2.1 3.5
2007
+5.99% 1.1 -0.4 0.7 2.6 2.0 -1.2 -1.9 1.4 2.6 1.5 -2.0 -0.3
2006
+11.12% 1.9 0.3 0.9 0.5 -2.0 0.1 0.5 2.0 1.7 2.4 1.9 0.6
2005
+4.74% -1.2 1.0 -1.3 -0.8 2.7 0.7 2.2 -0.1 0.0 -1.7 3.0 0.4
2004
+9.37% 1.9 1.3 -0.3 -2.4 0.7 1.5 -1.8 0.8 1.1 1.4 2.5 2.5
2003
+20.04% -1.6 -0.4 0.4 5.4 4.3 1.0 0.2 1.7 0.3 3.4 1.1 2.9
2002
-8.98% -0.3 -0.7 1.6 -2.0 -0.5 -3.9 -4.5 1.2 -4.7 3.5 3.2 -1.8
2001
-3.21% 3.0 -5.3 -3.7 4.4 0.9 -0.7 0.0 -2.9 -4.5 2.2 3.4 0.7
2000
-1.79% -2.6 2.0 3.9 -3.3 -2.1 3.5 -0.8 4.8 -2.5 -1.0 -5.0 1.8
1999
+13.98% 2.5 -3.0 2.6 3.0 -1.6 3.0 -2.2 -0.6 -1.0 4.0 2.2 4.6
1998
+17.39% 0.8 4.4 3.2 0.9 -1.3 2.5 -1.3 -9.0 4.7 4.2 3.9 4.1
1997
+22.37% 3.4 0.0 -3.1 3.3 4.7 3.2 5.9 -2.7 4.2 -1.7 2.2 1.5
1996
+14.01% 1.9 0.3 0.4 1.3 1.6 -0.1 -3.3 1.8 4.0 1.7 4.9 -1.1
1995
+28.74% 2.1 3.3 1.9 2.0 3.7 2.1 2.4 1.1 2.6 -0.2 3.2 1.5
1994
-1.16% 2.4 -2.1 -3.6 0.2 0.6 -1.7 2.6 2.7 -1.7 0.9 -2.3 1.1
1993
+10.25% 1.3 1.1 1.6 -1.4 1.9 1.1 0.1 3.0 0.2 1.1 -1.4 1.3
1992
+8.32% -0.6 1.0 -1.7 1.1 1.1 -0.6 3.1 -0.8 1.2 0.2 2.5 1.7
1991
+25.53% 3.4 4.5 2.1 0.6 2.7 -2.9 3.5 2.4 0.0 1.4 -2.1 7.7
1990
-0.19% -5.0 1.3 1.5 -2.1 6.4 0.3 -0.2 -5.8 -2.7 0.0 4.5 2.3
1989
+22.33% 4.3 -1.4 1.4 3.7 3.4 1.0 5.5 0.8 0.0 -0.9 1.3 1.4
1988
+13.33% 3.9 3.6 -1.3 0.5 -0.4 4.1 -0.6 -1.7 3.1 1.6 -1.3 1.4
1987
+2.18% 8.2 3.2 1.2 -2.1 0.2 3.2 3.0 2.3 -2.1 -13.9 -4.1 5.0

* 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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