Data Source: from January 1972 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.11%
1 Day
Jul 05 2022, 02:59PM Eastern Time
0.89%
Current Month
July 2022

The Stocks/Bonds 80/20 Portfolio is a Very High Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 80% on the Stock Market.

In the last 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.06% compound annual return, with a 12.01% 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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1972.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
STOCKS/BONDS 80/20 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Stocks/Bonds 80/20 Portfolio -0.11 0.89 -6.85 -19.13 -13.08 8.77 10.43 9.06
US Inflation Adjusted return -6.85 -22.27 -19.20 4.99 7.77 6.42
Components
VTI
Vanguard Total Stock Market 		-0.20 02:59PM
Jul 05 2022 		0.85 -8.23 -21.32 -14.17 10.53 12.52 9.81
BND
Vanguard Total Bond Market 		0.23 02:59PM
Jul 05 2022 		1.03 -1.66 -10.35 -10.42 0.84 1.40 4.63
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the Stocks/Bonds 80/20 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.

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Historical Returns as of Jun 30, 2022

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

STOCKS/BONDS 80/20 PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1972 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022		 Return (%)
Infl.Adj.		 Standard
Deviation (%)		 Max
Drawdown (%)		 Months
Pos - Neg
1M
Jun 2022
-6.85
-6.85
-6.85
Jun 2022 - Jun 2022
0 - 1
3M
-14.42
-15.53
-14.42
Apr 2022 - Jun 2022
0 - 3
6M
-19.13
-22.27
-19.13
Jan 2022 - Jun 2022
1 - 5
YTD
-19.13
-22.27
-19.13
Jan 2022 - Jun 2022
1 - 5
1Y
-13.08
-19.20
14.14
-19.13
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
7.74
3.09
15.50
-19.13
Jan 2022 - Jun 2022
23 - 13
64% pos
5Y(*)
8.77
4.99
14.07
-19.13
Jan 2022 - Jun 2022
42 - 18
70% pos
10Y(*)
10.43
7.77
11.41
-19.13
Jan 2022 - Jun 2022
87 - 33
73% pos
15Y(*)
7.70
5.27
12.99
-41.09
Nov 2007 - Feb 2009
121 - 59
67% pos
20Y(*)
8.40
5.80
12.11
-41.09
Nov 2007 - Feb 2009
164 - 76
68% pos
25Y(*)
7.65
5.11
12.63
-41.09
Nov 2007 - Feb 2009
196 - 104
65% pos
30Y(*)
9.06
6.42
12.01
-41.09
Nov 2007 - Feb 2009
241 - 119
67% pos
MAX(*)
01 Jan 1972
9.82
5.64
12.70
-41.09
Nov 2007 - Feb 2009
388 - 218
64% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 13473.04$, with a total return of 1247.30% (9.06% annualized).

The Inflation Adjusted Capital now would be 6475.96$, with a net total return of 547.60% (6.42% annualized).
An investment of 1000$, since January 1972, now would be worth 113147.92$, with a total return of 11214.79% (9.82% annualized).

The Inflation Adjusted Capital now would be 15954.70$, with a net total return of 1495.47% (5.64% annualized).

Drawdowns

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
-19.13% Jan 2022 Jun 2022 6 in progress 6
-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
-6.95% Feb 1994 Jun 1994 5 Feb 1995 8 13
-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
-4.78% Jun 1996 Jul 1996 2 Sep 1996 2 4
-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
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
-36.88% Jan 1973 Sep 1974 21 Mar 1976 18 39
-33.33% Sep 2000 Sep 2002 25 Jul 2005 34 59
-24.55% Sep 1987 Nov 1987 3 Apr 1989 17 20
-19.13% Jan 2022 Jun 2022 6 in progress 6
-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
-12.23% Jun 1990 Oct 1990 5 Feb 1991 4 9
-11.51% Dec 1980 Sep 1981 10 Sep 1982 12 22
-11.32% Oct 2018 Dec 2018 3 Apr 2019 4 7
-10.71% Feb 1980 Mar 1980 2 May 1980 2 4
-9.83% Sep 1978 Oct 1978 2 Mar 1979 5 7
-9.03% Jul 1983 May 1984 11 Aug 1984 3 14
-7.56% Jan 1977 Feb 1978 14 Apr 1978 2 16
-7.05% Jun 2015 Sep 2015 4 May 2016 8 12
-6.95% Feb 1994 Jun 1994 5 Feb 1995 8 13
-6.94% Oct 1979 Oct 1979 1 Dec 1979 2 3
-6.90% Apr 2000 May 2000 2 Aug 2000 3 5
-6.76% Sep 1986 Sep 1986 1 Jan 1987 4 5

Rolling Returns ( more details)

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

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 11.09 58.54
Jul 1982 - Jun 1983 		-34.49
Mar 2008 - Feb 2009 		20.00%
2 Years
 10.69 32.35
Mar 2009 - Feb 2011 		-19.74
Mar 2007 - Feb 2009 		12.18%
3 Years
 10.67 27.36
Aug 1984 - Jul 1987 		-11.24
Apr 2000 - Mar 2003 		10.68%
5 Years
 10.70 24.87
Aug 1982 - Jul 1987 		-3.66
Mar 2004 - Feb 2009 		1.46%
7 Years
 10.71 19.88
Apr 1980 - Mar 1987 		-0.93
Mar 2002 - Feb 2009 		0.38%
10 Years
 10.73 16.84
Sep 1977 - Aug 1987 		-0.44
Mar 1999 - Feb 2009 		0.41%
15 Years
 10.54 16.79
Aug 1982 - Jul 1997 		4.90
Sep 2000 - Aug 2015 		0.00%
20 Years
 10.51 16.03
Apr 1980 - Mar 2000 		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: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
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 %		 1.17
61% 		0.48
61% 		0.80
69% 		1.36
73% 		0.95
65% 		0.61
61% 		0.70
50% 		0.50
62% 		-0.28
54% 		0.76
64% 		1.74
74% 		1.43
76%
Best
Year		 11.4
1975 		6.3
1986 		6.6
2009 		10.6
2020 		7.5
1990 		6.0
2019 		6.9
1997 		10.3
1982 		7.4
2010 		12.5
1974 		9.6
2020 		9.1
1991
Worst
Year		 -6.9
2009 		-8.4
2009 		-11.2
2020 		-8.1
2022 		-6.2
2010 		-6.9
2022 		-6.4
2002 		-12.4
1998 		-7.6
1974 		-18.3
1987 		-9.3
1973 		-7.1
2018
Statistics calculated for the period Jan 1972 - Jun 2022

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
388 Positive Months (64%) - 218 Negative Months (36%)
Jan 1972 - Jun 2022
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
2022
 -19.13 -22.27 -5.3 -2.2 2.0 -8.1 0.0 -6.9
2021
 +20.16 +12.20 -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 +16.87 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 -5.99 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 +15.23 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
1986
 +14.68 +13.33 0.8 6.3 5.4 -0.5 3.6 1.6 -4.5 5.8 -6.8 4.1 1.3 -2.3
1985
 +29.47 +24.74 7.7 1.1 0.0 0.3 5.6 1.6 -0.1 -0.2 -3.1 3.9 5.9 4.0
1984
 +4.75 +0.68 -0.8 -3.3 0.8 0.2 -4.9 2.1 -0.7 9.0 0.4 0.9 -0.6 2.1
1983
 +19.17 +14.82 3.3 3.0 2.6 6.4 0.8 3.2 -3.0 0.3 1.9 -2.3 2.6 -0.8
1982
 +22.62 +18.11 -2.1 -3.7 -0.7 4.1 -1.9 -2.3 -0.5 10.3 2.3 10.3 4.4 1.6
1981
 -1.44 -9.50 -3.2 0.8 4.2 -1.5 1.6 -0.8 -0.7 -4.9 -4.9 6.1 5.4 -2.9
1980
 +27.10 +13.12 4.8 -1.3 -9.6 6.2 5.7 3.5 5.2 0.9 2.4 1.3 8.7 -2.5
1979
 +20.47 +6.37 4.4 -2.3 5.5 0.7 -0.7 4.1 1.1 5.1 0.2 -6.9 5.9 2.5
1978
 +6.99 -1.83 -4.5 -0.7 2.7 6.6 1.9 -0.9 4.8 3.5 -0.5 -9.4 3.1 1.2
1977
 -2.48 -8.59 -3.5 -1.3 -0.6 0.5 -0.7 4.3 -1.2 -0.9 0.1 -3.3 3.8 0.6
1976
 +23.93 +17.98 10.3 0.6 2.4 -0.7 -1.0 3.9 -0.3 0.2 2.2 -1.4 1.0 5.0
1975
 +31.73 +22.96 11.4 5.1 2.4 3.6 5.1 4.4 -5.2 -1.9 -3.2 5.3 2.6 -0.6
1974
 -21.11 -29.62 0.2 0.3 -2.3 -4.0 -3.0 -1.9 -5.5 -6.7 -7.6 12.5 -2.5 -1.6
1973
 -13.65 -20.74 -2.2 -3.6 -0.5 -3.8 -1.7 -0.6 3.6 -1.6 4.8 0.0 -9.3 1.0
1972
 +14.64 +10.87 2.1 2.7 0.5 0.7 1.6 -1.8 -0.2 2.9 -0.5 0.8 4.2 0.9

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

Portfolio efficiency

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

Overall Ratings

The Stocks/Bonds 80/20 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)		 +7.65%
(+5.11%)
Bad : 1.5 / 5
Good : 3.3 / 5
Standard Deviation
over 25 Years		 12.63%
Excellent : 4.7 / 5
Average : 2.7 / 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

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Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return▾ Drawdown Stocks Bonds Comm
Technology
 +1.92 +13.42 -81.08 100 0 0
US Stocks
 +0.85 +9.81 -50.84 100 0 0
Warren Buffett Portfolio
Warren Buffett 		+0.84 +9.38 -45.52 90 10 0
Aggressive Global Income
 -0.51 +9.37 -52.63 80 20 0
Stocks/Bonds 80/20
 +0.89 +9.06 -41.09 80 20 0

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 03:00PM Eastern Time.
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