Data Source: from January 1987 to December 2021

Last Update: 31 December 2021

The Total Bond US Portfolio is exposed for 0% on the Stock Market.

It's a Low Risk portfolio and it can be replicated with 1 ETF.

In the last 10 years, the portfolio obtained a 2.75% compound annual return, with a 3.25% standard deviation.

In the last 25 years, a 4.73% compound annual return, with a 3.58% standard deviation.

Asset Allocation and ETFs

The Total Bond US Portfolio has the following asset allocation:

0% Stocks
100% Fixed Income
0% Commodities

The Total Bond US Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
100.00 % 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 Total Bond US Portfolio guaranteed the following returns.

TOTAL BOND US PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Total Bond US Portfolio -0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
--- Inflation Adjusted return -0.78 -2.20 -3.37 -8.39 +1.21 +0.61 +0.62 +1.74 +2.39
Components
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:
  • 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 2.06% dividend yield. If you are interested in getting periodic income, please refer to the Total Bond US Portfolio: Dividend Yield page.

Readings that may interest you
Security Analysis: Sixth Edition, Foreword by Warren Buffett (Security Analysis ...
The 12% Solution: Earn A 12% Average Annual Return On Your Money, Beating The ...
The Infographic Guide to Personal Finance: A Visual Reference for Everything You ...

Historical Returns

Historical returns and stats of Total Bond US Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

TOTAL BOND US 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
-0.31%
-0.78%
-0.31%
Dec 2021 - Dec 2021
0 - 1
3M
-0.04%
-2.20%
-0.31%
Dec 2021 - Dec 2021
2 - 1
6M
-0.08%
-3.37%
-1.24%
Aug 2021 - Dec 2021
3 - 3
YTD
-1.86%
-8.39%
2.94%
-3.64%
Jan 2021 - Mar 2021
6 - 6
50% pos
1Y
-1.86%
-8.39%
2.94%
-3.64%
Jan 2021 - Mar 2021
6 - 6
50% pos
3Y
+4.78%
annualized
+1.21%
annualized
3.80%
-3.87%
Aug 2020 - Mar 2021
21 - 15
58% pos
5Y
+3.54%
annualized
+0.61%
annualized
3.36%
-3.87%
Aug 2020 - Mar 2021
34 - 26
57% pos
10Y
+2.75%
annualized
+0.62%
annualized
3.25%
-4.01%
May 2013 - Aug 2013
71 - 49
59% pos
20Y
+4.09%
annualized
+1.74%
annualized
3.64%
-4.01%
May 2013 - Aug 2013
155 - 85
65% pos
25Y
+4.73%
annualized
+2.39%
annualized
3.58%
-4.01%
May 2013 - Aug 2013
199 - 101
66% pos
MAX
01 Jan 1987
+5.67%
annualized
+2.91%
annualized
3.90%
-5.86%
Mar 1987 - Sep 1987
283 - 137
67% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Total Bond US Portfolio actually efficient, compared to other Lazy Portfolios?

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

25 Years Stats
% Allocation
Portfolio Return▾ Drawdown Stocks Bonds Comm.
High Yield Bonds Income
 +6.94% -23.98% 0 100 0 Compare
All Country World 20/80
 +6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
 +6.06% -8.42% 20 80 0 Compare
Vanguard LifeStrategy Income Fund
Vanguard		 +5.87% -10.54% 20 80 0 Compare
US Inflation Protection
 +5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Total Bond US Portfolio. The portfolio is classified as Low 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%
Low Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +4.73%
(+2.39%)
Average : 2.4 / 5
Bad : 1.4 / 5
Standard Deviation
over 25 Years		 3.58%
Good : 3.8 / 5
Excellent : 4.9 / 5
Maximum Drawdown
over 25 Years		 -4.01%
Excellent : 5 / 5
Excellent : 5 / 5
Easy to manage 1 ETF
Excellent : 5 / 5
Excellent : 5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 3175.18$, with a total return of 217.52% (4.73% annualized).

The Inflation Adjusted Capital now would be 1802.95$, with a net total return of 80.29% (2.39% 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
-4.01% May 2013 Aug 2013 4 May 2014 9 13
-3.88% Apr 2008 Oct 2008 7 Dec 2008 2 9
-3.87% Aug 2020 Mar 2021 8 in progress 9 17
-3.68% Aug 2016 Nov 2016 4 Aug 2017 9 13
-3.47% Jun 2003 Jul 2003 2 Jan 2004 6 8
-3.03% Apr 2004 May 2004 2 Aug 2004 3 5
-2.67% Feb 2015 Jun 2015 5 Feb 2016 8 13
-2.65% Jan 2009 Feb 2009 2 Jun 2009 4 6
-2.64% Feb 1999 Aug 1999 7 Mar 2000 7 14
-2.63% Sep 2017 Oct 2018 14 Jan 2019 3 17
-1.91% Nov 2001 Dec 2001 2 May 2002 5 7
-1.90% Sep 2005 Oct 2005 2 Aug 2006 10 12
-1.70% Nov 2010 Dec 2010 2 May 2011 5 7
-1.56% Dec 2012 Jan 2013 2 Apr 2013 3 5
-1.45% Dec 2009 Dec 2009 1 Feb 2010 2 3
-1.43% Mar 2020 Mar 2020 1 Apr 2020 1 2
-1.16% May 2007 Jun 2007 2 Aug 2007 2 4
-1.12% Feb 2005 Mar 2005 2 Apr 2005 1 3
-0.99% Jul 2005 Jul 2005 1 Aug 2005 1 2
-0.97% Mar 1997 Mar 1997 1 Apr 1997 1 2

Rolling Returns ( more details)

Total Bond US Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +5.95% +18.18%
Jan 1995 - Dec 1995 		-3.73%
Nov 1993 - Oct 1994 		11.49%
2 Years
 +5.98% +13.88%
Oct 1990 - Sep 1992 		-0.88%
Aug 2016 - Jul 2018 		1.26%
3 Years
 +5.94% +12.83%
May 1990 - Apr 1993 		+0.94%
May 2015 - Apr 2018 		0.00%
5 Years
 +5.84% +11.58%
Oct 1987 - Sep 1992 		+1.35%
May 2013 - Apr 2018 		0.00%
7 Years
 +5.76% +9.80%
Jan 1989 - Dec 1995 		+1.69%
Nov 2011 - Oct 2018 		0.00%
10 Years
 +5.78% +9.20%
Oct 1987 - Sep 1997 		+2.75%
Jan 2012 - Dec 2021 		0.00%
15 Years
 +5.76% +8.59%
Oct 1987 - Sep 2002 		+3.57%
Jun 2003 - May 2018 		0.00%
20 Years
 +5.75% +7.43%
Oct 1987 - Sep 2007 		+3.99%
Nov 2001 - Oct 2021 		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 Total Bond US Portfolio: Rolling Returns page.

Seasonality

Total Bond US 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 %		 0.62
74% 		0.26
69% 		-0.05
51% 		0.34
63% 		0.57
66% 		0.64
74% 		0.67
77% 		0.65
69% 		0.49
69% 		0.39
66% 		0.40
63% 		0.63
69%
Best
Year		 3.1
1988 		2.2
1995 		1.9
2019 		2.8
2020 		4.0
1995 		2.9
1989 		2.8
1997 		2.8
2019 		2.7
2003 		3.5
1987 		3.9
2008 		5.1
2008
Worst
Year		 -2.1
2009 		-1.8
1994 		-2.3
1994 		-3.2
1987 		-1.9
2013 		-1.6
2013 		-3.3
2003 		-1.6
1989 		-2.3
1987 		-2.9
2008 		-2.6
2016 		-1.4
2009
Statistics calculated for the period Jan 1987 - Dec 2021

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

Monthly/Yearly Returns

Total Bond US Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
283 Positive Months (67%) - 137 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
 -1.86 -8.39 -0.9 -1.5 -1.3 0.9 0.2 0.9 1.2 -0.2 -1.0 0.1 0.2 -0.3
2020
 +7.71 +6.33 2.0 1.7 -1.4 2.8 0.7 0.7 1.5 -0.9 -0.1 -0.6 1.2 0.2
2019
 +8.83 +6.43 1.1 -0.1 1.9 0.0 1.8 1.2 0.1 2.8 -0.6 0.3 0.0 -0.1
2018
 -0.12 -2.00 -1.2 -1.0 0.7 -0.9 0.7 0.0 0.0 0.7 -0.5 -0.9 0.6 1.9
2017
 +3.57 +1.44 0.2 0.6 0.0 0.8 0.7 0.1 0.4 0.9 -0.5 0.0 -0.1 0.5
2016
 +2.52 +0.46 1.2 0.9 0.9 0.4 0.0 2.0 0.6 -0.3 0.1 -0.9 -2.6 0.3
2015
 +0.56 -0.08 2.4 -1.3 0.5 -0.3 -0.5 -1.1 0.9 -0.2 0.8 0.0 -0.4 -0.2
2014
 +5.82 +5.13 1.5 0.5 -0.2 0.8 1.1 0.1 -0.3 1.1 -0.6 0.7 0.8 0.1
2013
 -2.10 -3.56 -0.7 0.5 0.1 1.0 -1.9 -1.6 0.4 -0.9 1.1 0.9 -0.3 -0.6
2012
 +3.16 +1.37 0.6 0.0 -0.5 1.1 0.9 0.1 1.2 0.2 0.2 -0.1 0.3 -0.9
2011
 +7.92 +4.72 0.1 0.3 -0.1 1.5 1.2 -0.4 1.6 1.7 0.7 0.1 -0.1 1.2
2010
 +6.20 +4.69 1.3 0.3 -0.2 1.1 1.1 1.5 0.9 1.6 0.0 0.3 -0.7 -1.0
2009
 +3.64 +0.80 -2.1 -0.6 1.1 0.5 0.7 0.6 1.3 1.0 1.0 0.3 1.3 -1.4
2008
 +6.86 +6.88 1.3 0.1 0.4 -0.3 -1.0 0.0 0.0 0.8 -0.5 -2.9 3.9 5.1
2007
 +6.92 +2.70 -0.1 1.5 0.0 0.5 -0.8 -0.4 0.8 1.3 0.7 0.9 1.9 0.2
2006
 +4.27 +1.70 -0.1 0.4 -1.0 -0.2 -0.1 0.1 1.3 1.6 0.8 0.7 1.1 -0.5
2005
 +2.40 -0.91 0.7 -0.6 -0.5 1.4 1.1 0.6 -1.0 1.4 -1.1 -0.8 0.5 1.0
2004
 +4.24 +0.87 0.9 1.0 0.8 -2.6 -0.4 0.6 1.0 1.9 0.2 0.8 -0.8 0.9
2003
 +3.97 +1.90 0.1 1.4 -0.1 0.9 1.8 -0.1 -3.3 0.6 2.7 -1.0 0.3 0.9
2002
 +8.26 +5.64 0.7 0.9 -1.5 1.7 0.8 0.3 0.5 1.7 1.5 -0.6 0.0 2.1
2001
 +8.43 +6.72 1.8 0.9 0.5 -0.5 0.7 0.5 2.2 1.1 0.9 1.9 -1.3 -0.6
2000
 +11.39 +7.69 -0.2 1.2 1.4 -0.5 -0.2 2.1 0.9 1.4 0.8 0.6 1.6 1.8
1999
 -0.76 -3.35 0.8 -1.8 0.6 0.4 -0.8 -0.5 -0.4 -0.1 1.3 0.3 0.0 -0.5
1998
 +8.58 +6.86 1.3 -0.1 0.3 0.5 1.0 0.8 0.2 1.9 2.0 -0.6 0.5 0.4
1997
 +9.44 +7.62 0.2 0.1 -1.0 1.5 0.9 1.2 2.8 -0.9 1.4 1.4 0.3 1.0
1996
 +3.58 +0.20 0.6 -1.8 -0.8 -0.5 -0.2 1.3 0.2 -0.2 1.7 2.2 1.8 -0.9
1995
 +18.18 +15.26 1.9 2.2 0.7 1.3 4.0 0.7 -0.3 1.2 1.0 1.5 1.4 1.4
1994
 -2.66 -5.12 1.4 -1.8 -2.3 -0.8 0.0 -0.2 1.8 0.1 -1.4 -0.1 -0.2 0.8
1993
 +9.68 +6.68 1.8 2.0 0.4 0.7 0.1 1.8 0.6 1.7 0.4 0.3 -1.0 0.5
1992
 +7.14 +4.05 -1.4 0.6 -0.5 0.7 1.8 1.3 1.9 1.0 1.3 -1.2 0.0 1.5
1991
 +15.25 +11.91 1.1 0.8 0.7 1.0 0.7 -0.1 1.3 2.0 2.0 1.0 0.7 3.0
1990
 +8.65 +2.25 -1.9 0.8 0.1 -0.9 2.9 1.6 1.3 -1.2 0.7 1.5 2.2 1.5
1989
 +13.64 +8.61 0.9 -0.6 0.3 2.0 2.5 2.9 2.2 -1.6 0.5 2.5 0.7 0.7
1988
 +7.35 +2.82 3.1 1.2 -1.1 -0.6 -1.0 2.7 -0.5 0.2 2.2 1.5 -0.9 0.4
1987
 +1.54 -2.68 1.3 0.5 -0.6 -3.2 -0.4 1.4 -0.1 -0.8 -2.3 3.5 0.7 1.6

* 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:

  • BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
Share this page