Data Source: from January 1987 to September 2021

Last Update: 30 September 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 13.89% compound annual return, with a 10.94% standard deviation.

In the last 25 years, a 9.12% compound annual return, with a 12.47% 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: 30 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Stocks/Bonds 80/20 Portfolio -3.88 -0.03 +6.96 +25.11 +14.01 +14.13 +13.89 +9.15 +9.12
Components
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
BND
Vanguard Total Bond Market
-1.01 -0.05 +1.88 -1.04 +5.36 +2.88 +2.88 +4.09 +4.86
(*) 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: 30 September 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-3.88%
-3.88%
Sep 2021 - Sep 2021
0 - 1
3M
-0.03%
-3.88%
Sep 2021 - Sep 2021
2 - 1
6M
+6.96%
-3.88%
Sep 2021 - Sep 2021
5 - 1
YTD
+11.78%
-3.88%
Sep 2021 - Sep 2021
7 - 2
1Y
+25.11%
11.14%
-3.88%
Sep 2021 - Sep 2021
9 - 3
3Y
+14.01%
annualized
15.48%
-16.53%
Feb 2020 - Mar 2020
26 - 10
5Y
+14.13%
annualized
12.53%
-16.53%
Feb 2020 - Mar 2020
47 - 13
10Y
+13.89%
annualized
10.94%
-16.53%
Feb 2020 - Mar 2020
90 - 30
20Y
+9.15%
annualized
11.85%
-41.09%
Nov 2007 - Feb 2009
165 - 75
25Y
+9.12%
annualized
12.47%
-41.09%
Nov 2007 - Feb 2009
199 - 101
MAX
01 Jan 1987
+10.12%
annualized
12.29%
-41.09%
Nov 2007 - Feb 2009
279 - 138
* Annualized St.Dev. of monthly returns

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
+9.79% -50.84% 100 0 0 Compare
Warren Buffett
+9.32% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.18% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.12% -41.09% 80 20 0

See all portfolios

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
+10.60% +47.67%
Apr 2020 - Mar 2021
-34.49%
Mar 2008 - Feb 2009
17.98%
2 Years
+10.13% +32.35%
Mar 2009 - Feb 2011
-19.74%
Mar 2007 - Feb 2009
12.69%
3 Years
+9.85% +26.34%
Apr 1995 - Mar 1998
-11.24%
Apr 2000 - Mar 2003
12.57%
5 Years
+9.67% +23.01%
Jan 1995 - Dec 1999
-3.66%
Mar 2004 - Feb 2009
2.23%
7 Years
+9.45% +18.07%
Oct 1990 - Sep 1997
-0.93%
Mar 2002 - Feb 2009
0.60%
10 Years
+9.18% +16.75%
Oct 1990 - Sep 2000
-0.44%
Mar 1999 - Feb 2009
0.67%
15 Years
+8.26% +11.91%
Jan 1987 - Dec 2001
+4.90%
Sep 2000 - Aug 2015
0.00%
20 Years
+8.25% +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 and Yearly/Monthly Returns

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%
0.09
63%
-0.06
54%
0.31
62%
1.51
74%
1.77
82%
Best
Year
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
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 - Sep 2021

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

Monthly Returns of Stocks/Bonds 80/20 Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+11.78% -0.4 2.2 2.7 4.3 0.4 2.2 1.6 2.3 -3.9
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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