Stocks/Bonds 60/40 Portfolio: ETF allocation and returns

Last Update: 30 June 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 10.28% 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: 30 June 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Stocks/Bonds 60/40 Portfolio	+1.90	+5.80	+8.41	+24.81	+13.54	+11.98	+10.28
*Components*
VTI - Vanguard Total Stock Market	+2.48	+8.13	+15.21	+44.42	+18.73	+17.90	+14.70
BND - Vanguard Total Bond Market	+0.90	+1.93	-1.78	-0.59	+5.41	+2.98	+3.29

(*) 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.

Readings that may interest you

How to Adult: Personal Finance for the Real World

The Joy of Saving: Money Lessons I Learned From My Italian-American Father & ...

Investing in ETFs For Beginner's: 2 Books in 1: Beginner's Guide to ...

Historical Returns

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

STOCKS/BONDS 60/40 PORTFOLIO

Last Update: 30 June 2021

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Period	Returns Jun 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+1.90%		0.00%	1 - 0
3M	+5.80%		0.00%	3 - 0
6M	+8.41%		-0.55% Jan 2021 - Jan 2021	5 - 1
YTD	+8.41%		-0.55% Jan 2021 - Jan 2021	5 - 1
1Y	+24.81%	8.88%	-3.54% Sep 2020 - Oct 2020	9 - 3
3Y	+13.54% annualized	11.58%	-12.29% Feb 2020 - Mar 2020	26 - 10
5Y	+11.98% annualized	9.41%	-12.29% Feb 2020 - Mar 2020	46 - 14
10Y	+10.28% annualized	8.45%	-12.29% Feb 2020 - Mar 2020	88 - 32
MAX 01 Jan 1987	+9.26% annualized	9.42%	-30.54% Nov 2007 - Feb 2009	281 - 133

* Annualized St.Dev. of monthly returns

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

Portfolio	10Y Return ▾	Stocks	Bonds
Simple Path to Wealth JL Collins	+11.96%	75	25	Compare
Stocks/Bonds 60/40	+10.28%	60	40
Yale Endowment David Swensen	+9.47%	70	30	Compare
Talmud Portfolio Roger Gibson	+9.47%	66.67	33.33	Compare
Edge Select Moderately Aggressive Merrill Lynch	+9.47%	69	31	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since June 2011.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-12.29%	Feb 2020	Mar 2020	2	Jul 2020	4	6
-8.37%	Sep 2018	Dec 2018	4	Mar 2019	3	7
-7.66%	Jul 2011	Sep 2011	3	Jan 2012	4	7
-5.23%	Jun 2015	Sep 2015	4	Apr 2016	7	11
-3.67%	Feb 2018	Apr 2018	3	Jul 2018	3	6
-3.54%	May 2012	May 2012	1	Aug 2012	3	4
-3.54%	Sep 2020	Oct 2020	2	Nov 2020	1	3
-3.41%	May 2019	May 2019	1	Jun 2019	1	2
-2.27%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-1.70%	Oct 2016	Oct 2016	1	Dec 2016	2	3
-1.51%	Jun 2013	Jun 2013	1	Jul 2013	1	2
-1.50%	Sep 2014	Sep 2014	1	Oct 2014	1	2
-1.32%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-1.28%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.17%	Oct 2012	Oct 2012	1	Jan 2013	3	4
-0.68%	Jan 2015	Jan 2015	1	Feb 2015	1	2
-0.55%	Jan 2021	Jan 2021	1	Feb 2021	1	2
-0.48%	Mar 2015	Mar 2015	1	May 2015	2	3
-0.29%	Aug 2019	Aug 2019	1	Sep 2019	1	2

Worst drawdowns since December 1986.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-30.54%	Nov 2007	Feb 2009	16	Oct 2010	20	36
-21.55%	Sep 2000	Sep 2002	25	Jan 2004	16	41
-19.17%	Sep 1987	Nov 1987	3	Jan 1989	14	17
-12.29%	Feb 2020	Mar 2020	2	Jul 2020	4	6
-10.18%	Jul 1998	Aug 1998	2	Nov 1998	3	5
-8.98%	May 2011	Sep 2011	5	Jan 2012	4	9
-8.51%	Jul 1990	Oct 1990	4	Jan 1991	3	7
-8.37%	Sep 2018	Dec 2018	4	Mar 2019	3	7
-6.47%	Feb 1994	Jun 1994	5	Feb 1995	8	13
-5.35%	Apr 2000	May 2000	2	Aug 2000	3	5
-5.23%	Jun 2015	Sep 2015	4	Apr 2016	7	11
-4.96%	Jan 1990	Jan 1990	1	May 1990	4	5
-3.76%	Jul 1999	Sep 1999	3	Oct 1999	1	4
-3.67%	Feb 2018	Apr 2018	3	Jul 2018	3	6
-3.54%	May 2012	May 2012	1	Aug 2012	3	4
-3.54%	Sep 2020	Oct 2020	2	Nov 2020	1	3
-3.41%	May 2019	May 2019	1	Jun 2019	1	2
-3.33%	Jun 1996	Jul 1996	2	Sep 1996	2	4
-3.12%	Feb 1997	Mar 1997	2	Apr 1997	1	3
-3.07%	Jun 2007	Jul 2007	2	Sep 2007	2	4

Rolling Returns ( more details)

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

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+9.37%	+35.19% Mar 2009 - Feb 2010	-25.46% Mar 2008 - Feb 2009	16.87%
2 Years	+9.13%	+25.48% Mar 2009 - Feb 2011	-13.47% Mar 2007 - Feb 2009	10.49%
3 Years	+8.96%	+22.00% Apr 1995 - Mar 1998	-6.40% Mar 2006 - Feb 2009	8.18%
5 Years	+8.85%	+19.17% Jan 1995 - Dec 1999	-1.44% Mar 2004 - Feb 2009	0.56%
7 Years	+8.70%	+15.78% Oct 1990 - Sep 1997	+0.82% Mar 2002 - Feb 2009	0.00%
10 Years	+8.52%	+14.59% Oct 1990 - Sep 2000	+1.34% Mar 1999 - Feb 2009	0.00%
15 Years	+7.85%	+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

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	Months
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average	0.9	0.6	0.6	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	69	77	71	66	62	62	59	62	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
2021	+8.41%	-0.6	1.3	1.7	3.5	0.4	1.9
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