Last Update: 28 February 2021

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 9.59% compound annual return, with a 8.45% standard deviation.

In 2020, the portfolio granted a 2.04% 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: 28 February 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Stocks/Bonds 60/40 Portfolio +1.27 +3.68 +7.51 +20.59 +11.27 +11.88 +9.59
Components
VTI - Vanguard Total Stock Market +3.14 +7.60 +13.78 +35.31 +15.02 +17.46 +13.44
BND - Vanguard Total Bond Market -1.55 -2.25 -1.71 +1.40 +5.35 +3.52 +3.44
(*) 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: 28 February 2021
Swipe left to see all data
Period Returns
Feb 2021		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+1.27%
0.00%
1 - 0
3M
+3.68%
-0.55%
Jan 2021 - Jan 2021
2 - 1
6M
+7.51%
-3.54%
Sep 2020 - Oct 2020
3 - 3
YTD
+0.72%
-0.55%
Jan 2021 - Jan 2021
1 - 1
1Y
+20.59%
15.03%
-8.55%
Mar 2020 - Mar 2020
8 - 4
3Y
+11.27%
annualized
11.56%
-12.29%
Feb 2020 - Mar 2020
24 - 12
5Y
+11.88%
annualized
9.46%
-12.29%
Feb 2020 - Mar 2020
46 - 14
10Y
+9.59%
annualized
8.45%
-12.29%
Feb 2020 - Mar 2020
86 - 34
MAX
01 Jan 1987
+9.12%
annualized
9.45%
-30.54%
Nov 2007 - Feb 2009
277 - 133

* 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		 +11.06% 75 25 0 Compare
Stocks/Bonds 60/40
 +9.59% 60 40 0
Edge Select Moderately Aggressive
Merrill Lynch		 +8.84% 69 31 0 Compare
Family Taxable Portfolio
Ted Aronson		 +8.71% 70 30 0 Compare
Yale Endowment
David Swensen		 +8.70% 70 30 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

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

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +9.18% +35.19%
Mar 2009 - Feb 2010 		-25.46%
Mar 2008 - Feb 2009 		17.04%
2 Years
 +9.06% +25.48%
Mar 2009 - Feb 2011 		-13.47%
Mar 2007 - Feb 2009 		10.59%
3 Years
 +8.92% +22.00%
Apr 1995 - Mar 1998 		-6.40%
Mar 2006 - Feb 2009 		8.27%
5 Years
 +8.81% +19.17%
Jan 1995 - Dec 1999 		-1.44%
Mar 2004 - Feb 2009 		0.57%
7 Years
 +8.69% +15.78%
Oct 1990 - Sep 1997 		+0.82%
Mar 2002 - Feb 2009 		0.00%
10 Years
 +8.50% +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

If you need a deeper detail about rolling returns, please refer to the Stocks/Bonds 60/40 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Stocks/Bonds 60/40 Portfolio Seasonality

Swipe left to see all data
Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.9 0.6 0.5 1.3 0.9 0.5 1.1 0.2 0.2 0.3 1.2 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 		7.5
2020 		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		 63 66 68 76 71 65 62 62 59 62 74 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
2021
 +0.72% -0.6 1.3
2020
 +15.70% 0.8 -4.1 -8.6 8.3 3.3 1.6 3.9 3.8 -2.2 -1.4 7.5 2.9
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

Share this page