Data Source: from January 1987 to December 2021

Last Update: 31 December 2021

The Stocks/Bonds 80/20 Portfolio is exposed for 80% on the Stock Market.

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

In the last 10 years, the portfolio obtained a 13.67% compound annual return, with a 10.79% standard deviation.

In the last 25 years, a 9.17% compound annual return, with a 12.47% standard deviation.

Asset Allocation and ETFs

The Stocks/Bonds 80/20 Portfolio has the following asset allocation:

80% Stocks
20% Fixed Income
0% Commodities

The Stocks/Bonds 80/20 Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
80.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
20.00 % 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 80/20 Portfolio guaranteed the following returns.

STOCKS/BONDS 80/20 PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Stocks/Bonds 80/20 Portfolio +3.10 +7.50 +7.47 +20.16 +21.56 +15.16 +13.67 +9.06 +9.17
--- Inflation Adjusted return +2.61 +5.18 +3.94 +12.17 +17.42 +11.89 +11.31 +6.60 +6.72
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
(*) 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% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the portfolio granted a 1.62% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 80/20 Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Stocks/Bonds 80/20 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

STOCKS/BONDS 80/20 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
+3.10%
+2.61%
0.00%
1 - 0
3M
+7.50%
+5.18%
-1.18%
Nov 2021 - Nov 2021
2 - 1
6M
+7.47%
+3.94%
-3.88%
Sep 2021 - Sep 2021
4 - 2
YTD
+20.16%
+12.17%
8.40%
-3.88%
Sep 2021 - Sep 2021
9 - 3
75% pos
1Y
+20.16%
+12.17%
8.40%
-3.88%
Sep 2021 - Sep 2021
9 - 3
75% pos
3Y
+21.56%
annualized
+17.42%
annualized
14.30%
-16.53%
Feb 2020 - Mar 2020
27 - 9
75% pos
5Y
+15.16%
annualized
+11.89%
annualized
12.64%
-16.53%
Feb 2020 - Mar 2020
47 - 13
78% pos
10Y
+13.67%
annualized
+11.31%
annualized
10.79%
-16.53%
Feb 2020 - Mar 2020
90 - 30
75% pos
20Y
+9.06%
annualized
+6.60%
annualized
11.87%
-41.09%
Nov 2007 - Feb 2009
164 - 76
68% pos
25Y
+9.17%
annualized
+6.72%
annualized
12.47%
-41.09%
Nov 2007 - Feb 2009
199 - 101
66% pos
MAX
01 Jan 1987
+10.27%
annualized
+7.39%
annualized
12.28%
-41.09%
Nov 2007 - Feb 2009
281 - 139
67% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Stocks/Bonds 80/20 Portfolio actually efficient, compared to other Lazy Portfolios?

Best Classic Portfolios, with Very High Risk, ordered by 25 Years annualized return.

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Technology
+13.30% -81.08% 100 0 0 Compare
US Stocks
+9.88% -50.84% 100 0 0 Compare
Warren Buffett Portfolio
Warren Buffett
+9.38% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.25% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.17% -41.09% 80 20 0

See all portfolios

Our overall ratings, assigned to the Stocks/Bonds 80/20 Portfolio. The portfolio is classified as Very High 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%
Very High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+9.17%
(+6.72%)
Good : 3.7 / 5
Excellent : 4.4 / 5
Standard Deviation
over 25 Years
12.47%
Excellent : 4.8 / 5
Average : 2.8 / 5
Maximum Drawdown
over 25 Years
-41.09%
Excellent : 5 / 5
Average : 2.4 / 5
Easy to manage 2 ETFs
Excellent : 4.5 / 5
Excellent : 4.5 / 5
Rating assigned considering all the Very High Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 8957.57$, with a total return of 795.76% (9.17% annualized).

The Inflation Adjusted Capital now would be 5086.33$, with a net total return of 408.63% (6.72% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-41.09% Nov 2007 Feb 2009 16 Jan 2011 23 39
-33.33% Sep 2000 Sep 2002 25 Jul 2005 34 59
-16.53% Feb 2020 Mar 2020 2 Jul 2020 4 6
-13.95% Jul 1998 Aug 1998 2 Nov 1998 3 5
-13.35% May 2011 Sep 2011 5 Feb 2012 5 10
-11.32% Oct 2018 Dec 2018 3 Apr 2019 4 7
-7.05% Jun 2015 Sep 2015 4 May 2016 8 12
-6.90% Apr 2000 May 2000 2 Aug 2000 3 5
-5.21% Apr 2012 May 2012 2 Aug 2012 3 5
-5.12% Jul 1999 Sep 1999 3 Nov 1999 2 5
-4.97% May 2019 May 2019 1 Jun 2019 1 2
-4.64% Feb 2018 Mar 2018 2 Jul 2018 4 6
-4.49% Sep 2020 Oct 2020 2 Nov 2020 1 3
-4.17% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.88% Sep 2021 Sep 2021 1 Oct 2021 1 2
-3.85% Feb 1997 Mar 1997 2 May 1997 2 4
-3.38% Jan 2000 Jan 2000 1 Mar 2000 2 3
-3.35% Feb 1999 Feb 1999 1 Apr 1999 2 3
-3.22% Aug 1997 Aug 1997 1 Sep 1997 1 2
-2.66% Aug 2013 Aug 2013 1 Sep 2013 1 2

Rolling Returns ( more details)

Stocks/Bonds 80/20 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+10.71% +47.67%
Apr 2020 - Mar 2021
-34.49%
Mar 2008 - Feb 2009
17.85%
2 Years
+10.20% +32.35%
Mar 2009 - Feb 2011
-19.74%
Mar 2007 - Feb 2009
12.59%
3 Years
+9.92% +26.34%
Apr 1995 - Mar 1998
-11.24%
Apr 2000 - Mar 2003
12.73%
5 Years
+9.72% +23.01%
Jan 1995 - Dec 1999
-3.66%
Mar 2004 - Feb 2009
2.22%
7 Years
+9.47% +18.07%
Oct 1990 - Sep 1997
-0.93%
Mar 2002 - Feb 2009
0.59%
10 Years
+9.23% +16.75%
Oct 1990 - Sep 2000
-0.44%
Mar 1999 - Feb 2009
0.66%
15 Years
+8.27% +11.91%
Jan 1987 - Dec 2001
+4.90%
Sep 2000 - Aug 2015
0.00%
20 Years
+8.26% +11.27%
Dec 1987 - Nov 2007
+5.30%
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 80/20 Portfolio: Rolling Returns page.

Seasonality

Stocks/Bonds 80/20 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 %
1.03
63%
0.65
66%
0.75
69%
1.68
77%
1.04
71%
0.50
63%
1.22
60%
0.08
63%
-0.06
54%
0.46
63%
1.43
71%
1.81
83%
Best
Year
10.5
1987
5.8
1998
6.6
2009
10.6
2020
7.5
1990
6.0
2019
6.9
1997
6.0
2000
7.4
2010
8.8
2011
9.6
2020
9.1
1991
Worst
Year
-6.9
2009
-8.4
2009
-11.2
2020
-4.3
2000
-6.2
2010
-6.4
2008
-6.4
2002
-12.4
1998
-7.3
2008
-18.3
1987
-7.4
2000
-7.1
2018
Statistics calculated for the period Jan 1987 - Dec 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly/Yearly Returns

Stocks/Bonds 80/20 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
281 Positive Months (67%) - 139 Negative Months (33%)
Jan 1987 - 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
+20.16 +12.17 -0.4 2.2 2.7 4.3 0.4 2.2 1.6 2.3 -3.9 5.5 -1.2 3.1
2020
+18.36 +16.85 0.3 -6.0 -11.2 10.6 4.3 1.9 4.8 5.4 -2.9 -1.7 9.6 3.8
2019
+26.30 +23.51 7.1 2.9 1.5 3.2 -5.0 6.0 1.2 -1.2 1.3 1.8 3.1 2.3
2018
-4.19 -6.00 3.9 -3.2 -1.4 0.2 2.3 0.6 2.7 2.9 0.1 -6.2 1.7 -7.1
2017
+17.68 +15.26 1.5 3.1 0.0 1.0 1.0 0.8 1.6 0.3 1.9 1.8 2.5 1.1
2016
+10.77 +8.54 -4.3 0.2 5.8 0.6 1.4 0.6 3.3 0.1 0.2 -1.9 3.1 1.7
2015
+0.40 -0.24 -1.7 4.3 -0.8 0.4 0.9 -1.6 1.5 -5.0 -2.2 6.2 0.4 -1.7
2014
+11.20 +10.48 -2.2 4.0 0.4 0.2 1.9 2.1 -1.7 3.6 -1.8 2.3 2.2 0.0
2013
+26.34 +24.46 4.2 1.1 3.2 1.5 1.6 -1.5 4.8 -2.7 3.4 3.7 2.2 2.2
2012
+13.79 +11.82 4.2 3.4 2.4 -0.3 -4.9 3.3 0.9 2.2 2.1 -1.5 0.7 0.9
2011
+2.36 -0.68 1.7 3.0 0.3 2.6 -0.6 -1.5 -1.5 -4.5 -5.8 8.8 -0.3 1.0
2010
+15.18 +13.55 -2.6 2.8 5.1 2.0 -6.2 -4.3 5.7 -3.4 7.4 3.3 0.3 5.4
2009
+23.84 +20.45 -6.9 -8.4 6.6 8.7 4.5 0.4 6.5 3.2 3.6 -2.1 4.9 2.1
2008
-28.21 -28.19 -4.7 -1.9 -0.6 3.7 1.4 -6.4 -0.5 1.3 -7.3 -14.0 -4.8 2.8
2007
+5.68 +1.51 1.5 -1.0 0.9 3.3 2.8 -1.5 -2.7 1.4 3.2 1.6 -3.3 -0.5
2006
+13.41 +10.62 2.6 0.3 1.5 0.7 -2.6 0.1 0.2 2.2 2.0 3.0 2.1 0.9
2005
+5.53 +2.12 -1.9 1.5 -1.6 -1.5 3.3 0.7 3.3 -0.6 0.4 -2.0 3.8 0.2
2004
+11.08 +7.48 2.3 1.3 -0.7 -2.3 1.1 1.7 -2.7 0.4 1.4 1.6 3.6 2.9
2003
+25.40 +22.90 -2.2 -0.9 0.6 7.0 5.0 1.3 1.3 2.1 -0.4 4.8 1.3 3.5
2002
-14.73 -16.79 -0.6 -1.2 2.6 -3.2 -0.9 -5.4 -6.4 1.0 -7.3 5.3 4.5 -3.4
2001
-7.09 -8.55 3.4 -7.4 -5.2 6.2 1.0 -1.2 -0.9 -4.4 -6.7 2.4 5.4 1.2
2000
-6.18 -9.30 -3.4 2.3 4.8 -4.3 -2.7 3.9 -1.4 6.0 -3.6 -1.5 -7.4 1.8
1999
+18.90 +15.80 3.1 -3.3 3.3 3.8 -1.8 4.1 -2.7 -0.8 -1.8 5.1 2.8 6.2
1998
+20.33 +18.42 0.6 5.8 4.2 1.0 -2.0 3.0 -1.8 -12.4 5.6 5.8 5.0 5.3
1997
+26.68 +24.57 4.4 -0.1 -3.8 3.9 5.9 3.8 6.9 -3.2 5.0 -2.6 2.8 1.6
1996
+17.49 +13.65 2.3 1.0 0.8 1.9 2.1 -0.5 -4.3 2.5 4.7 1.6 5.9 -1.2
1995
+32.26 +29.00 2.1 3.7 2.3 2.3 3.6 2.5 3.2 1.1 3.1 -0.7 3.7 1.5
1994
-0.67 -3.18 2.7 -2.2 -4.0 0.5 0.8 -2.2 2.8 3.5 -1.8 1.2 -3.0 1.1
1993
+10.44 +7.42 1.2 0.8 2.0 -2.1 2.4 0.8 -0.1 3.5 0.1 1.4 -1.5 1.6
1992
+8.71 +5.58 -0.3 1.2 -2.0 1.3 0.8 -1.2 3.5 -1.5 1.1 0.7 3.3 1.7
1991
+28.96 +25.23 4.2 5.7 2.5 0.5 3.4 -3.7 4.2 2.5 -0.6 1.6 -3.0 9.1
1990
-3.13 -8.83 -6.0 1.4 2.0 -2.4 7.5 -0.1 -0.6 -7.4 -3.9 -0.6 5.4 2.6
1989
+25.22 +19.67 5.5 -1.6 1.8 4.3 3.6 0.4 6.6 1.6 -0.1 -1.9 1.4 1.6
1988
+15.32 +10.45 4.1 4.4 -1.4 0.8 -0.2 4.5 -0.6 -2.2 3.4 1.6 -1.4 1.7
1987
+2.40 -1.85 10.5 4.0 1.7 -1.8 0.3 3.7 3.8 3.0 -2.1 -18.3 -5.6 6.1

* 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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