In the last 30 Years, the Vanguard LifeStrategy Conservative Growth Portfolio obtained a 6.80% compound annual return, with a 6.43% standard deviation.
Asset Allocation and ETFs
The Vanguard LifeStrategy Conservative Growth Portfolio is a Medium Risk portfolio and can be implemented with 4 ETFs.
It has the following asset allocation:
The Vanguard LifeStrategy Conservative Growth Portfolio can be implemented with the following ETFs:
Weight | Ticker | ETF Name | Investment Themes | |
---|---|---|---|---|
24.00 % | VTI | Vanguard Total Stock Market | Equity, U.S., Large Cap | |
16.00 % | VEU | Vanguard FTSE All-World ex-US | Equity, Global ex-US, Large Cap | |
42.00 % | BND | Vanguard Total Bond Market | Bond, U.S., All-Term | |
18.00 % | BNDX | Vanguard Total International Bond | Bond, Developed Markets, All-Term |
Portfolio and ETF Returns
The Vanguard LifeStrategy Conservative Growth Portfolio guaranteed the following returns.
Portfolio returns are calculated in USD, assuming:
- No fees or capital gain taxes
- a rebalancing of the components at the beginning of each year (at every January 1st). How do returns change with different rebalancing strategies?
- the reinvestment of dividends
Chg (%) | Return (%) | Return (%) as of Apr 30, 2022 |
|||||||
---|---|---|---|---|---|---|---|---|---|
1 Day | Time ET(*) | May 2022 | 1M | 6M | 1Y | 5Y(*) | 10Y(*) | 30Y(*) | |
Vanguard LifeStrategy Conservative Growth Portfolio | 0.96 | 1.00 | -5.44 | -10.22 | -7.24 | 4.84 | 5.36 | 6.80 | |
US Inflation Adjusted return | -5.75 | -13.98 | -14.29 | 1.39 | 2.95 | 4.24 | |||
Components | |||||||||
VTI Vanguard Total Stock Market |
2.53 | May 27 2022 | 0.58 | -9.13 | -12.09 | -3.47 | 12.94 | 13.24 | 10.09 |
VEU Vanguard FTSE All-World ex-US |
1.22 | May 27 2022 | 1.62 | -6.48 | -12.62 | -10.84 | 4.94 | 5.25 | 5.58 |
BND Vanguard Total Bond Market |
0.29 | May 27 2022 | 1.41 | -3.97 | -9.68 | -8.71 | 1.16 | 1.59 | 4.77 |
BNDX Vanguard Total International Bond |
0.18 | May 27 2022 | 0.07 | -3.00 | -7.36 | -7.46 | 1.34 | 2.68 | 5.61 |
US Inflation is updated to Apr 2022. Current inflation (annualized) is 1Y: 8.22% , 5Y: 3.40% , 10Y: 2.33% , 30Y: 2.46%
Portfolio Dividends
In 2021, the Vanguard LifeStrategy Conservative Growth Portfolio granted a 2.39% dividend yield. If you are interested in getting periodic income, please refer to the Vanguard LifeStrategy Conservative Growth Portfolio: Dividend Yield page.
Historical Returns as of Apr 30, 2022
Historical returns and stats of Vanguard LifeStrategy Conservative Growth Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
Period | Return (%) as of Apr 2022 |
Return (%) Infl.Adj. |
Standard Deviation (%) |
Max Drawdown (%) |
Months Pos - Neg |
---|---|---|---|---|---|
1M
Apr 2022
|
-5.44
|
-5.75
|
-5.44
Apr 2022 - Apr 2022
|
0 - 1
|
|
3M
|
-7.97
|
-10.11
|
-7.97
Feb 2022 - Apr 2022
|
0 - 3
|
|
6M
|
-10.22
|
-13.98
|
-10.68
Jan 2022 - Apr 2022
|
1 - 5
|
|
YTD
|
-10.68
|
-13.32
|
-10.68
Jan 2022 - Apr 2022
|
0 - 4
|
|
1Y
|
-7.24
|
-14.29
|
7.35
|
-10.68
Jan 2022 - Apr 2022
|
6 - 6
50% pos
|
3Y(*)
|
4.05
|
-0.15
|
8.28
|
-10.68
Jan 2022 - Apr 2022
|
24 - 12
67% pos
|
5Y(*)
|
4.84
|
1.39
|
7.15
|
-10.68
Jan 2022 - Apr 2022
|
41 - 19
68% pos
|
10Y(*)
|
5.36
|
2.95
|
6.07
|
-10.68
Jan 2022 - Apr 2022
|
82 - 38
68% pos
|
15Y(*)
|
5.16
|
2.82
|
7.12
|
-21.90
Nov 2007 - Feb 2009
|
117 - 63
65% pos
|
20Y(*)
|
5.96
|
3.46
|
6.62
|
-21.90
Nov 2007 - Feb 2009
|
163 - 77
68% pos
|
25Y(*)
|
6.21
|
3.73
|
6.69
|
-21.90
Nov 2007 - Feb 2009
|
200 - 100
67% pos
|
30Y(*)
|
6.80
|
4.24
|
6.43
|
-21.90
Nov 2007 - Feb 2009
|
246 - 114
68% pos
|
MAX(*)
01 Jan 1986
|
7.61
|
4.78
|
6.79
|
-21.90
Nov 2007 - Feb 2009
|
300 - 136
69% pos
|
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 Apr 30, 2022
The Inflation Adjusted Capital now would be 3473.67$, with a net total return of 247.37% (4.24% annualized).
The Inflation Adjusted Capital now would be 5458.15$, with a net total return of 445.81% (4.78% annualized).
Drawdowns
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-21.90% | Nov 2007 | Feb 2009 | 16 | Dec 2009 | 10 | 26 |
-10.68% | Jan 2022 | Apr 2022 | 4 | in progress | 4 | |
-8.46% | Feb 2020 | Mar 2020 | 2 | Jul 2020 | 4 | 6 |
-8.06% | Feb 2001 | Sep 2002 | 20 | May 2003 | 8 | 28 |
-6.00% | May 2011 | Sep 2011 | 5 | Jan 2012 | 4 | 9 |
-5.30% | Jul 1998 | Aug 1998 | 2 | Oct 1998 | 2 | 4 |
-4.90% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 |
-4.63% | Sep 2018 | Dec 2018 | 4 | Feb 2019 | 2 | 6 |
-4.56% | May 2015 | Sep 2015 | 5 | May 2016 | 8 | 13 |
-3.80% | Sep 2000 | Nov 2000 | 3 | Jan 2001 | 2 | 5 |
-3.68% | May 2010 | Jun 2010 | 2 | Sep 2010 | 3 | 5 |
-3.47% | Apr 2000 | May 2000 | 2 | Aug 2000 | 3 | 5 |
-3.02% | May 2012 | May 2012 | 1 | Jul 2012 | 2 | 3 |
-3.00% | May 2013 | Jun 2013 | 2 | Sep 2013 | 3 | 5 |
-2.78% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 |
-2.48% | Nov 1993 | Nov 1993 | 1 | Jan 1994 | 2 | 3 |
-2.43% | Feb 2018 | Apr 2018 | 3 | Aug 2018 | 4 | 7 |
-2.35% | Sep 2021 | Sep 2021 | 1 | Dec 2021 | 3 | 4 |
-2.33% | Dec 1996 | Mar 1997 | 4 | May 1997 | 2 | 6 |
-2.28% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-21.90% | Nov 2007 | Feb 2009 | 16 | Dec 2009 | 10 | 26 |
-10.68% | Jan 2022 | Apr 2022 | 4 | in progress | 4 | |
-9.95% | Sep 1987 | Nov 1987 | 3 | Jun 1988 | 7 | 10 |
-8.46% | Feb 2020 | Mar 2020 | 2 | Jul 2020 | 4 | 6 |
-8.06% | Feb 2001 | Sep 2002 | 20 | May 2003 | 8 | 28 |
-7.29% | Aug 1990 | Sep 1990 | 2 | Jan 1991 | 4 | 6 |
-6.31% | Jan 1990 | Apr 1990 | 4 | Jul 1990 | 3 | 7 |
-6.00% | May 2011 | Sep 2011 | 5 | Jan 2012 | 4 | 9 |
-5.30% | Jul 1998 | Aug 1998 | 2 | Oct 1998 | 2 | 4 |
-4.90% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 |
-4.63% | Sep 2018 | Dec 2018 | 4 | Feb 2019 | 2 | 6 |
-4.56% | May 2015 | Sep 2015 | 5 | May 2016 | 8 | 13 |
-3.80% | Sep 2000 | Nov 2000 | 3 | Jan 2001 | 2 | 5 |
-3.68% | May 2010 | Jun 2010 | 2 | Sep 2010 | 3 | 5 |
-3.47% | Apr 2000 | May 2000 | 2 | Aug 2000 | 3 | 5 |
-3.26% | Sep 1986 | Sep 1986 | 1 | Jan 1987 | 4 | 5 |
-3.22% | Jan 1992 | Mar 1992 | 3 | Jul 1992 | 4 | 7 |
-3.02% | May 2012 | May 2012 | 1 | Jul 2012 | 2 | 3 |
-3.00% | May 2013 | Jun 2013 | 2 | Sep 2013 | 3 | 5 |
-2.78% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 |
Rolling Returns ( more details)
Vanguard LifeStrategy Conservative Growth Portfolio: annualized rolling and average returns
Rolling Period |
Return (*) | Negative Periods |
||
---|---|---|---|---|
Average (%) | Best (%) | Worst (%) | ||
1 Year |
7.91 |
29.04 Feb 1986 - Jan 1987 |
-19.24 Mar 2008 - Feb 2009 |
13.18% |
2 Years |
7.63 |
20.28 Mar 2009 - Feb 2011 |
-8.18 Mar 2007 - Feb 2009 |
5.81% |
3 Years |
7.55 |
15.11 Mar 2009 - Feb 2012 |
-2.68 Mar 2006 - Feb 2009 |
2.24% |
5 Years |
7.45 |
12.76 Jan 1995 - Dec 1999 |
1.14 Mar 2004 - Feb 2009 |
0.00% |
7 Years |
7.39 |
11.84 Oct 1990 - Sep 1997 |
3.13 Mar 2002 - Feb 2009 |
0.00% |
10 Years |
7.34 |
11.42 Jan 1986 - Dec 1995 |
3.33 Mar 1999 - Feb 2009 |
0.00% |
15 Years |
7.09 |
10.68 Feb 1986 - Jan 2001 |
5.16 May 2007 - Apr 2022 |
0.00% |
20 Years |
7.08 |
9.35 Feb 1986 - Jan 2006 |
5.21 Apr 2000 - Mar 2020 |
0.00% |
If you need a deeper detail about rolling returns, please refer to the Vanguard LifeStrategy Conservative Growth Portfolio: Rolling Returns page.
Seasonality
Vanguard LifeStrategy Conservative Growth Portfolio: in which months is it better to invest?
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Average Return (%) and Gain Frequency | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average Win % |
0.54 65% |
0.53 70% |
0.49 68% |
0.97 78% |
0.58 61% |
0.48 67% |
0.97 69% |
0.33 69% |
0.15 58% |
0.47 69% |
0.76 67% |
1.34 83% |
Best Year |
5.8 1987 |
5.6 1986 |
5.6 1986 |
5.3 2020 |
5.6 1990 |
3.5 2019 |
5.0 1989 |
4.8 1986 |
3.7 2010 |
4.1 2011 |
5.3 2020 |
5.5 1991 |
Worst Year |
-4.7 2009 |
-4.2 2009 |
-6.5 2020 |
-5.4 2022 |
-3.0 2010 |
-3.4 2008 |
-3.0 2002 |
-5.0 1998 |
-4.9 2008 |
-8.6 2008 |
-2.5 1993 |
-2.0 2018 |
Monthly/Yearly Returns
Vanguard LifeStrategy Conservative Growth Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2022 |
-10.68 | -13.32 | -3.0 | -1.8 | -0.9 | -5.4 | ||||||||
2021 |
+6.29 | -0.75 | -0.5 | 0.1 | 0.7 | 2.0 | 0.7 | 1.0 | 0.9 | 0.9 | -2.4 | 2.2 | -0.9 | 1.4 |
2020 |
+10.90 | +9.50 | 0.6 | -2.1 | -6.5 | 5.3 | 2.2 | 1.5 | 2.7 | 1.8 | -1.0 | -1.0 | 5.3 | 2.2 |
2019 |
+15.98 | +13.41 | 3.9 | 1.2 | 1.6 | 1.5 | -1.7 | 3.5 | 0.3 | 0.5 | 0.6 | 1.1 | 1.1 | 1.3 |
2018 |
-3.06 | -4.89 | 1.5 | -2.2 | -0.1 | -0.2 | 0.6 | -0.1 | 1.3 | 0.8 | -0.1 | -3.5 | 1.1 | -2.0 |
2017 |
+11.40 | +9.08 | 1.0 | 1.5 | 0.5 | 1.0 | 1.2 | 0.2 | 1.2 | 0.7 | 0.7 | 1.0 | 0.9 | 0.9 |
2016 |
+5.76 | +3.63 | -1.5 | 0.2 | 3.4 | 0.6 | 0.4 | 1.2 | 2.0 | 0.0 | 0.4 | -1.4 | -0.6 | 1.0 |
2015 |
-0.23 | -0.86 | 0.7 | 1.7 | -0.2 | 0.6 | -0.2 | -1.6 | 1.0 | -3.0 | -0.8 | 3.0 | -0.2 | -1.0 |
2014 |
+6.30 | +5.61 | -0.8 | 2.3 | 0.2 | 0.7 | 1.4 | 1.0 | -0.7 | 1.9 | -1.5 | 1.1 | 1.1 | -0.4 |
2013 |
+9.27 | +7.64 | 1.3 | 0.5 | 1.2 | 1.6 | -1.1 | -1.9 | 2.5 | -1.6 | 2.8 | 2.2 | 0.8 | 0.7 |
2012 |
+10.01 | +8.11 | 2.8 | 1.9 | 0.5 | 0.2 | -3.0 | 2.1 | 1.1 | 1.3 | 1.5 | -0.4 | 0.7 | 0.9 |
2011 |
+2.86 | -0.19 | 0.7 | 1.6 | 0.0 | 2.4 | -0.2 | -0.8 | 0.1 | -2.0 | -3.2 | 4.1 | -0.6 | 0.9 |
2010 |
+10.21 | +8.65 | -0.9 | 1.2 | 2.6 | 1.0 | -3.0 | -0.7 | 3.6 | -0.4 | 3.7 | 1.6 | -1.0 | 2.4 |
2009 |
+17.23 | +14.02 | -4.7 | -4.2 | 3.8 | 4.9 | 4.3 | 0.3 | 4.8 | 2.3 | 2.8 | -1.0 | 3.0 | 0.4 |
2008 |
-13.37 | -13.35 | -1.7 | -0.3 | -0.3 | 1.6 | 0.1 | -3.4 | -0.5 | 0.1 | -4.9 | -8.6 | -0.4 | 4.7 |
2007 |
+7.58 | +3.33 | 0.5 | 0.5 | 0.7 | 1.8 | 0.9 | -0.6 | -0.4 | 0.8 | 2.5 | 2.0 | -1.0 | -0.3 |
2006 |
+10.35 | +7.63 | 1.8 | 0.1 | 0.5 | 1.0 | -1.6 | 0.0 | 0.9 | 1.9 | 1.0 | 1.9 | 1.8 | 0.5 |
2005 |
+5.91 | +2.49 | -0.5 | 0.9 | -1.0 | -0.1 | 1.5 | 0.8 | 1.1 | 0.9 | 0.4 | -1.6 | 1.8 | 1.5 |
2004 |
+9.28 | +5.75 | 1.3 | 1.4 | 0.3 | -2.3 | 0.2 | 1.1 | -0.9 | 1.2 | 1.0 | 1.5 | 2.1 | 2.1 |
2003 |
+16.21 | +13.89 | -1.1 | 0.1 | -0.2 | 3.9 | 3.5 | 0.7 | -0.6 | 1.3 | 1.6 | 2.1 | 0.9 | 3.0 |
2002 |
-2.19 | -4.55 | -0.6 | 0.2 | 0.9 | 0.0 | 0.3 | -2.0 | -3.0 | 1.1 | -2.6 | 1.9 | 2.0 | -0.2 |
2001 |
-0.37 | -1.94 | 2.2 | -3.0 | -2.1 | 2.6 | 0.1 | -0.8 | 0.8 | -1.0 | -2.8 | 2.3 | 1.2 | 0.2 |
2000 |
+1.40 | -1.96 | -2.1 | 1.8 | 2.7 | -2.3 | -1.2 | 2.8 | -0.6 | 2.5 | -1.3 | -0.6 | -1.9 | 1.9 |
1999 |
+10.23 | +7.36 | 1.5 | -2.3 | 2.1 | 2.3 | -1.9 | 1.6 | -0.6 | -0.3 | 0.1 | 2.4 | 1.6 | 3.5 |
1998 |
+14.76 | +12.95 | 1.3 | 3.1 | 1.6 | 0.9 | -0.5 | 1.1 | -0.3 | -5.0 | 3.2 | 3.9 | 2.1 | 2.8 |
1997 |
+10.41 | +8.57 | 0.3 | 0.2 | -1.7 | 1.4 | 3.7 | 2.7 | 3.0 | -2.8 | 3.5 | -1.5 | 0.5 | 0.9 |
1996 |
+8.12 | +4.59 | 0.7 | -0.3 | 0.3 | 1.1 | 0.4 | 0.4 | -1.4 | 0.8 | 2.4 | 1.4 | 3.2 | -1.1 |
1995 |
+20.68 | +17.70 | 0.8 | 1.2 | 1.9 | 2.1 | 2.9 | 0.7 | 2.1 | 0.6 | 1.8 | 0.2 | 2.8 | 1.8 |
1994 |
-0.91 | -3.42 | 2.9 | -1.7 | -2.8 | 0.3 | 0.0 | -0.7 | 1.7 | 1.3 | -1.5 | 0.9 | -1.7 | 0.7 |
1993 |
+14.36 | +11.23 | 1.1 | 1.9 | 2.4 | 1.4 | 1.6 | 0.7 | 1.2 | 2.9 | -0.4 | 1.0 | -2.5 | 2.2 |
1992 |
+4.96 | +1.94 | -1.4 | 0.1 | -2.0 | 0.6 | 2.4 | -0.2 | 1.8 | 1.0 | 0.6 | -1.3 | 1.3 | 2.1 |
1991 |
+19.55 | +16.09 | 2.1 | 4.1 | 0.4 | 1.0 | 1.3 | -2.3 | 2.7 | 1.6 | 1.9 | 1.3 | -1.4 | 5.5 |
1990 |
-0.50 | -6.35 | -3.4 | -0.4 | -0.9 | -1.8 | 5.6 | 0.9 | 0.8 | -4.7 | -2.7 | 2.7 | 1.9 | 1.9 |
1989 |
+16.53 | +11.37 | 2.5 | -0.6 | 0.4 | 2.5 | 1.6 | 1.3 | 5.0 | -1.0 | 0.9 | 0.1 | 1.6 | 1.3 |
1988 |
+12.93 | +8.16 | 3.5 | 3.0 | 0.1 | 0.3 | -0.9 | 2.1 | -0.1 | -1.6 | 2.6 | 2.3 | 0.3 | 0.6 |
1987 |
+6.77 | +2.34 | 5.8 | 2.0 | 2.3 | -0.2 | 0.0 | 1.2 | 1.1 | 2.3 | -2.0 | -7.0 | -1.2 | 2.8 |
1986 |
+22.93 | +21.49 | 0.8 | 5.6 | 5.6 | 1.5 | -0.8 | 3.4 | 0.6 | 4.8 | -3.3 | 0.5 | 1.7 | 1.0 |
Portofolio Returns, up to December 2013, 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
- VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
- BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
- BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
Portfolio efficiency
Is the Vanguard LifeStrategy Conservative Growth Portfolio actually efficient, compared to other Lazy Portfolios?
Overall Ratings
The Vanguard LifeStrategy Conservative Growth Portfolio is classified as Medium Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
Medium Risk Portfolios |
All Portfolios |
||
---|---|---|---|
25 Years Ann. Return (Inflation Adjusted) |
+6.21%
(+3.73%) |
Bad : 1 / 5
|
Average : 2.4 / 5
|
Standard Deviation over 25 Years |
6.69% |
Good : 3.6 / 5
|
Excellent : 4.1 / 5
|
Maximum Drawdown over 25 Years |
-21.90% |
Good : 3.2 / 5
|
Good : 3.8 / 5
|
Easy to manage | 4 ETFs |
Good : 3.5 / 5
|
Good : 3.5 / 5
|
Rating assigned considering all the Medium Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Best Classic Portfolios, with Medium Risk
30 Years Stats (%) |
% Allocation |
|||||||
---|---|---|---|---|---|---|---|---|
Portfolio | May 2022 | Return▾ | Drawdown | Stocks | Bonds | Comm | ||
Couch Potato Scott Burns |
+0.15 | +8.54 | -27.04 | 50 | 50 | 0 | ||
Robo Advisor 50 Betterment |
+1.08 | +7.96 | -30.72 | 49.9 | 50.1 | 0 | ||
All Weather Portfolio Ray Dalio |
+0.63 | +7.90 | -12.18 | 30 | 55 | 15 | ||
Dynamic 40/60 Income |
+1.71 | +7.45 | -29.84 | 40 | 60 | 0 | ||
Rob Arnott Portfolio Rob Arnott |
+0.88 | +7.32 | -24.27 | 30 | 60 | 10 |
Last update: May 27 2022.