Data Source: from January 1986 to August 2022
Consolidated Returns as of 31 August 2022
Live Update: Sep 23 2022
PORTFOLIO • LIVE PERFORMANCE (USD currency)
1.10%
1 Day
Sep 23 2022
4.69%
Current Month
September 2022

The Vanguard LifeStrategy Conservative Growth Portfolio is a Medium Risk portfolio and can be implemented with 4 ETFs.

It's exposed for 40% on the Stock Market.

In the last 30 Years, the Vanguard LifeStrategy Conservative Growth Portfolio obtained a 6.51% compound annual return, with a 6.54% standard deviation.

Asset Allocation and ETFs

The Vanguard LifeStrategy Conservative Growth Portfolio has the following asset allocation:

40% Stocks
60% Fixed Income
0% Commodities

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
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 Vanguard LifeStrategy Conservative Growth Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1986.

Portfolio returns are calculated in USD, assuming: September 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH PORTFOLIO RETURNS
Consolidated returns as of 31 August 2022
Live Update: Sep 23 2022
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Aug 31, 2022
  1 Day Time ET(*) Sep 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Vanguard LifeStrategy Conservative Growth Portfolio -1.10 -4.69 -3.41 -9.19 -13.18 3.50 4.88 6.51
US Inflation Adjusted return -3.37 -13.00 -19.80 -0.31 2.28 3.91
Components
VTI
Vanguard Total Stock Market
-1.72 Sep 23 2022 -6.81 -3.73 -9.58 -13.66 11.22 12.70 9.94
VEU
Vanguard FTSE All-World ex-US
-3.00 Sep 23 2022 -7.97 -4.40 -13.69 -19.52 1.84 4.74 5.13
BND
Vanguard Total Bond Market
-0.28 Sep 23 2022 -3.28 -2.80 -7.85 -11.72 0.49 1.21 4.51
BNDX
Vanguard Total International Bond
-0.50 Sep 23 2022 -2.22 -3.61 -7.89 -11.39 0.49 2.02 5.23
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to Aug 2022. Current inflation (annualized) is 1Y: 8.26% , 5Y: 3.82% , 10Y: 2.54% , 30Y: 2.51%

COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 31 August 2022
Swipe left to see all data
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.89
0.70
0.65
VEU
0.89
1.00
0.67
0.54
BND
0.70
0.67
1.00
0.91
BNDX
0.65
0.54
0.91
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.90
0.36
0.37
VEU
0.90
1.00
0.30
0.30
BND
0.36
0.30
1.00
0.87
BNDX
0.37
0.30
0.87
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.85
0.25
0.29
VEU
0.85
1.00
0.25
0.25
BND
0.25
0.25
1.00
0.86
BNDX
0.29
0.25
0.86
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.82
0.10
0.11
VEU
0.82
1.00
0.10
0.13
BND
0.10
0.10
1.00
0.65
BNDX
0.11
0.13
0.65
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.72
0.15
0.16
VEU
0.72
1.00
0.12
0.16
BND
0.15
0.12
1.00
0.72
BNDX
0.16
0.16
0.72
1.00

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 Aug 31, 2022

Historical returns and stats of Vanguard LifeStrategy Conservative Growth Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH PORTFOLIO
Consolidated returns as of 31 August 2022
Data Source: from January 1986 to August 2022
Swipe left to see all data
Period Return (%)
as of Aug 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Aug 2022
-3.41
-3.37
-3.41
Aug 2022 - Aug 2022
0 - 1
3M
-3.50
-4.76
-4.14
Jun 2022 - Jun 2022
1 - 2
6M
-9.19
-13.00
-9.79
Mar 2022 - Jun 2022
2 - 4
YTD
-13.44
-18.51
-14.02
Jan 2022 - Jun 2022
2 - 6
1Y
-13.18
-19.80
9.31
-14.02
Jan 2022 - Jun 2022
4 - 8
33% pos
3Y(*)
2.06
-2.71
8.95
-14.02
Jan 2022 - Jun 2022
23 - 13
64% pos
5Y(*)
3.50
-0.31
7.79
-14.02
Jan 2022 - Jun 2022
39 - 21
65% pos
10Y(*)
4.88
2.28
6.35
-14.02
Jan 2022 - Jun 2022
81 - 39
68% pos
15Y(*)
4.89
2.45
7.34
-21.90
Nov 2007 - Feb 2009
117 - 63
65% pos
20Y(*)
5.98
3.40
6.74
-21.90
Nov 2007 - Feb 2009
163 - 77
68% pos
25Y(*)
5.80
3.24
6.74
-21.90
Nov 2007 - Feb 2009
199 - 101
66% pos
30Y(*)
6.51
3.91
6.54
-21.90
Nov 2007 - Feb 2009
245 - 115
68% pos
MAX(*)
01 Jan 1986
7.45
4.57
6.86
-21.90
Nov 2007 - Feb 2009
302 - 138
69% 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 Aug 31, 2022

An investment of 1000$, since September 1992, now would be worth 6639.89$, with a total return of 563.99% (6.51% annualized).

The Inflation Adjusted Capital now would be 3158.85$, with a net total return of 215.89% (3.91% annualized).
An investment of 1000$, since January 1986, now would be worth 13944.87$, with a total return of 1294.49% (7.45% annualized).

The Inflation Adjusted Capital now would be 5146.26$, with a net total return of 414.63% (4.57% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-21.90% Nov 2007 Feb 2009 16 Dec 2009 10 26
-14.02% Jan 2022 Jun 2022 6 in progress 2 8
-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
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-21.90% Nov 2007 Feb 2009 16 Dec 2009 10 26
-14.02% Jan 2022 Jun 2022 6 in progress 2 8
-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

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
7.74 29.04
Feb 1986 - Jan 1987
-19.24
Mar 2008 - Feb 2009
13.99%
2 Years
7.57 20.28
Mar 2009 - Feb 2011
-8.18
Mar 2007 - Feb 2009
6.00%
3 Years
7.51 15.11
Mar 2009 - Feb 2012
-2.68
Mar 2006 - Feb 2009
2.22%
5 Years
7.42 12.76
Jan 1995 - Dec 1999
1.14
Mar 2004 - Feb 2009
0.00%
7 Years
7.35 11.84
Oct 1990 - Sep 1997
3.13
Mar 2002 - Feb 2009
0.00%
10 Years
7.32 11.42
Jan 1986 - Dec 1995
3.33
Mar 1999 - Feb 2009
0.00%
15 Years
7.05 10.68
Feb 1986 - Jan 2001
4.87
Jul 2007 - Jun 2022
0.00%
20 Years
7.06 9.35
Feb 1986 - Jan 2006
5.21
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 Vanguard LifeStrategy Conservative Growth Portfolio: Rolling Returns page.

Seasonality

Vanguard LifeStrategy Conservative Growth 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 %
0.54
65%
0.53
70%
0.49
68%
0.97
78%
0.57
62%
0.36
65%
1.06
70%
0.23
68%
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
-4.1
2022
-3.0
2002
-5.0
1998
-4.9
2008
-8.6
2008
-2.5
1993
-2.0
2018
Statistics calculated for the period Jan 1986 - Aug 2022

Monthly/Yearly Returns

Vanguard LifeStrategy Conservative Growth Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
302 Positive Months (69%) - 138 Negative Months (31%)
Jan 1986 - Aug 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
-13.44 -18.51 -3.0 -1.8 -0.9 -5.4 0.4 -4.1 4.2 -3.4
2021
+6.29 -0.69 -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 +9.41 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 +13.39 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 -4.88 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 +9.10 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 +3.61 -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 -0.95 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 +5.50 -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 +7.65 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 +8.13 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 -0.10 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 +8.59 -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 +14.12 -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 -13.45 -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 +3.36 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 +7.62 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 +2.41 -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 +5.84 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 +14.07 -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 -4.46 -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 -1.89 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 -1.92 -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 +7.35 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 +12.94 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 +8.56 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 +4.65 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 -3.49 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 +11.30 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 +2.00 -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 +16.00 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 -6.22 -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 +11.36 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 +8.15 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 +2.24 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 +21.59 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?

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Swipe left to see all data
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-5.44 +7.55 -14.04 30 55 15
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Sep 2022 return refers to period 01-23 September 2022.
Last update: Sep 23 2022.
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