Last Update: 31 December 2020

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 11.86% compound annual return, with a 11.20% standard deviation.

In 2020, the portfolio granted a 1.87% dividend yield. If you are interested in getting periodic income, please refer to the Stocks/Bonds 80/20 Portfolio: Dividend Yield page.

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 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Stocks/Bonds 80/20 Portfolio +3.82 +11.93 +20.14 +18.36 +12.72 +13.30 +11.86
Components
VTI - Vanguard Total Stock Market +4.68 +14.75 +25.36 +21.03 +14.45 +15.44 +13.77
BND - Vanguard Total Bond Market +0.15 +0.80 +1.21 +7.71 +5.40 +4.45 +3.73
(*) 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

If you are interested in getting periodic income, please refer to the Stocks/Bonds 80/20 Portfolio: Dividend Yield page.

Historical Returns

Stocks/Bonds 80/20 Portfolio - Historical returns and stats.

STOCKS/BONDS 80/20 PORTFOLIO
Last Update: 31 December 2020
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Period Returns
Dec 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+3.82%
0.00%
1 - 0
3M
+11.93%
-1.67%
Oct 2020 - Oct 2020
2 - 1
6M
+20.14%
-4.49%
Sep 2020 - Oct 2020
4 - 2
YTD
+18.36%
20.89%
-16.53%
Feb 2020 - Mar 2020
8 - 4
1Y
+18.36%
20.89%
-16.53%
Feb 2020 - Mar 2020
8 - 4
3Y
+12.72%
annualized
15.47%
-16.53%
Feb 2020 - Mar 2020
26 - 10
5Y
+13.30%
annualized
12.65%
-16.53%
Feb 2020 - Mar 2020
48 - 12
10Y
+11.86%
annualized
11.20%
-16.53%
Feb 2020 - Mar 2020
87 - 33
MAX
01 Jan 1987
+10.00%
annualized
12.37%
-41.09%
Nov 2007 - Feb 2009
272 - 136

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ Stocks Bonds Comm.
Technology
 +20.35% 100 0 0 Compare
US Stocks
 +13.77% 100 0 0 Compare
Warren Buffett
 +12.76% 90 10 0 Compare
Stocks/Bonds 80/20
 +11.86% 80 20 0
Second Grader's Starter
Paul Farrell		 +10.28% 90 10 0 Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns (more details)

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +10.13% +45.38%
Mar 2009 - Feb 2010 		-34.49%
Mar 2008 - Feb 2009 		18.39%
2 Years
 +9.91% +32.35%
Mar 2009 - Feb 2011 		-19.74%
Mar 2007 - Feb 2009 		12.99%
3 Years
 +9.73% +26.34%
Apr 1995 - Mar 1998 		-11.24%
Apr 2000 - Mar 2003 		12.87%
5 Years
 +9.54% +23.01%
Jan 1995 - Dec 1999 		-3.66%
Mar 2004 - Feb 2009 		2.29%
7 Years
 +9.39% +18.07%
Oct 1990 - Sep 1997 		-0.93%
Mar 2002 - Feb 2009 		0.62%
10 Years
 +9.08% +16.75%
Oct 1990 - Sep 2000 		-0.44%
Mar 1999 - Feb 2009 		0.69%
15 Years
 +8.20% +11.91%
Jan 1987 - Dec 2001 		+4.90%
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 80/20 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Stocks/Bonds 80/20 Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 1.1 0.6 0.7 1.6 1.1 0.4 1.2 0.0 0.1 0.3 1.5 1.8
Best 10.5
1987 		5.9
1998 		6.6
2009 		10.6
2020 		7.6
1990 		6.0
2019 		6.9
1997 		6.0
2000 		7.4
2010 		8.8
2011 		9.6
2020 		9.1
1991
Worst -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
Gain
Frequency		 65 65 68 76 71 62 59 62 56 62 74 82

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
 +18.36% 0.4 -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% 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% 3.9 -3.2 -1.4 0.2 2.3 0.6 2.7 2.9 0.1 -6.2 1.8 -7.1
2017
 +17.68% 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% -4.3 0.2 5.8 0.6 1.4 0.6 3.3 0.1 0.2 -2.0 3.1 1.7
2015
 +0.40% -1.7 4.3 -0.8 0.4 0.9 -1.6 1.5 -5.0 -2.2 6.3 0.4 -1.7
2014
 +11.20% -2.2 4.0 0.4 0.2 1.9 2.1 -1.7 3.6 -1.8 2.4 2.2 0.0
2013
 +26.34% 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% 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% 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% -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% -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% -4.7 -2.0 -0.6 3.7 1.4 -6.4 -0.5 1.3 -7.3 -14.1 -4.8 2.8
2007
 +5.68% 1.5 -1.0 0.9 3.3 2.9 -1.5 -2.7 1.5 3.2 1.6 -3.3 -0.5
2006
 +13.41% 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% -1.9 1.5 -1.6 -1.5 3.3 0.7 3.3 -0.6 0.4 -2.1 3.8 0.2
2004
 +11.08% 2.3 1.3 -0.7 -2.3 1.1 1.7 -2.7 0.4 1.4 1.6 3.6 3.0
2003
 +25.40% -2.2 -1.0 0.6 7.0 5.1 1.3 1.3 2.1 -0.4 4.8 1.3 3.5
2002
 -14.73% -0.6 -1.2 2.6 -3.2 -1.0 -5.4 -6.4 1.0 -7.3 5.3 4.5 -3.4
2001
 -7.09% 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% -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% 3.1 -3.4 3.3 3.9 -1.8 4.1 -2.7 -0.8 -1.8 5.1 2.8 6.2
1998
 +20.33% 0.6 5.9 4.2 1.0 -2.0 3.0 -1.8 -12.4 5.7 5.8 5.1 5.3
1997
 +26.68% 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% 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% 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% 2.7 -2.2 -4.0 0.6 0.8 -2.2 2.8 3.6 -1.8 1.2 -3.0 1.2
1993
 +10.44% 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% -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% 4.2 5.7 2.5 0.5 3.4 -3.7 4.2 2.6 -0.6 1.6 -3.0 9.1
1990
 -3.13% -6.0 1.4 2.0 -2.5 7.6 -0.1 -0.6 -7.4 -3.9 -0.6 5.4 2.6
1989
 +25.22% 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% 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% 10.5 4.0 1.8 -1.8 0.3 3.7 3.8 3.1 -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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