Data Source: from January 1986 to April 2022
Consolidated Returns as of 30 April 2022
Live Update: May 27 2022
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.60%
1 Day
May 27 2022
1.00%
Current Month
May 2022

In the last 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.98% compound annual return, with a 4.32% standard deviation.

Asset Allocation and ETFs

The Vanguard LifeStrategy Income Fund Portfolio is a Low Risk portfolio and can be implemented with 4 ETFs.

It has the following asset allocation:

20% Stocks
80% Fixed Income
0% Commodities

The Vanguard LifeStrategy Income Fund Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
12.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
8.00 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
56.00 % BND Vanguard Total Bond Market Bond, U.S., All-Term
24.00 % 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 Income Fund 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: May 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
VANGUARD LIFESTRATEGY INCOME FUND PORTFOLIO RETURNS
Consolidated returns as of 30 April 2022
Live Update: May 27 2022
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Apr 30, 2022
  1 Day Time ET(*) May 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Vanguard LifeStrategy Income Fund Portfolio 0.60 1.00 -4.56 -9.59 -7.74 3.06 3.67 5.98
US Inflation Adjusted return -4.87 -13.37 -14.75 -0.33 1.30 3.44
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
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

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 Income Fund Portfolio granted a 2.45% dividend yield. If you are interested in getting periodic income, please refer to the Vanguard LifeStrategy Income Fund Portfolio: Dividend Yield page.

Historical Returns as of Apr 30, 2022

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

VANGUARD LIFESTRATEGY INCOME FUND PORTFOLIO
Consolidated returns as of 30 April 2022
Data Source: from January 1986 to April 2022
Swipe left to see all data
Period Return (%)
as of Apr 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Apr 2022
-4.56
-4.87
-4.56
Apr 2022 - Apr 2022
0 - 1
3M
-7.62
-9.77
-7.62
Feb 2022 - Apr 2022
0 - 3
6M
-9.59
-13.37
-9.84
Jan 2022 - Apr 2022
1 - 5
YTD
-9.84
-12.51
-9.84
Jan 2022 - Apr 2022
0 - 4
1Y
-7.74
-14.75
5.77
-10.18
Sep 2021 - Apr 2022
6 - 6
50% pos
3Y(*)
2.11
-2.01
5.82
-10.18
Sep 2021 - Apr 2022
22 - 14
61% pos
5Y(*)
3.06
-0.33
4.91
-10.18
Sep 2021 - Apr 2022
41 - 19
68% pos
10Y(*)
3.67
1.30
4.17
-10.18
Sep 2021 - Apr 2022
83 - 37
69% pos
15Y(*)
4.36
2.04
4.69
-10.54
May 2008 - Oct 2008
124 - 56
69% pos
20Y(*)
4.94
2.47
4.37
-10.54
May 2008 - Oct 2008
169 - 71
70% pos
25Y(*)
5.46
3.00
4.35
-10.54
May 2008 - Oct 2008
209 - 91
70% pos
30Y(*)
5.98
3.44
4.32
-10.54
May 2008 - Oct 2008
253 - 107
70% pos
MAX(*)
01 Jan 1986
6.78
3.97
4.70
-10.54
May 2008 - Oct 2008
305 - 131
70% 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 Apr 30, 2022

An investment of 1000$, since May 1992, now would be worth 5709.68$, with a total return of 470.97% (5.98% annualized).

The Inflation Adjusted Capital now would be 2757.30$, with a net total return of 175.73% (3.44% annualized).
An investment of 1000$, since January 1986, now would be worth 10860.48$, with a total return of 986.05% (6.78% annualized).

The Inflation Adjusted Capital now would be 4119.76$, with a net total return of 311.98% (3.97% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15
-10.18% Sep 2021 Apr 2022 8 in progress 8
-5.45% Feb 1994 Jun 1994 5 Apr 1995 10 15
-4.47% Feb 2020 Mar 2020 2 May 2020 2 4
-3.36% May 2013 Jun 2013 2 Oct 2013 4 6
-2.63% Dec 1996 Mar 1997 4 May 1997 2 6
-2.58% Oct 2016 Nov 2016 2 Apr 2017 5 7
-2.43% May 2015 Sep 2015 5 Mar 2016 6 11
-2.37% Sep 2018 Oct 2018 2 Jan 2019 3 5
-2.22% Apr 2004 May 2004 2 Sep 2004 4 6
-1.98% Feb 1999 Feb 1999 1 Apr 1999 2 3
-1.88% Apr 2000 May 2000 2 Jun 2000 1 3
-1.88% Jun 2002 Jul 2002 2 Nov 2002 4 6
-1.77% May 1999 Aug 1999 4 Oct 1999 2 6
-1.74% Jul 2003 Jul 2003 1 Sep 2003 2 3
-1.73% Aug 1997 Aug 1997 1 Sep 1997 1 2
-1.61% Feb 2001 Mar 2001 2 Jul 2001 4 6
-1.57% Jul 1998 Aug 1998 2 Sep 1998 1 3
-1.55% Aug 2011 Sep 2011 2 Oct 2011 1 3
-1.55% Nov 1993 Nov 1993 1 Dec 1993 1 2
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15
-10.18% Sep 2021 Apr 2022 8 in progress 8
-5.45% Feb 1994 Jun 1994 5 Apr 1995 10 15
-4.47% Sep 1987 Nov 1987 3 Jan 1988 2 5
-4.47% Feb 2020 Mar 2020 2 May 2020 2 4
-4.35% Jan 1990 Apr 1990 4 Jun 1990 2 6
-4.18% Aug 1990 Sep 1990 2 Dec 1990 3 5
-3.36% May 2013 Jun 2013 2 Oct 2013 4 6
-2.63% Dec 1996 Mar 1997 4 May 1997 2 6
-2.58% Oct 2016 Nov 2016 2 Apr 2017 5 7
-2.56% Sep 1986 Sep 1986 1 Dec 1986 3 4
-2.43% May 2015 Sep 2015 5 Mar 2016 6 11
-2.37% Sep 2018 Oct 2018 2 Jan 2019 3 5
-2.36% Jan 1992 Mar 1992 3 May 1992 2 5
-2.22% Apr 2004 May 2004 2 Sep 2004 4 6
-1.98% Feb 1999 Feb 1999 1 Apr 1999 2 3
-1.88% Apr 2000 May 2000 2 Jun 2000 1 3
-1.88% Jun 2002 Jul 2002 2 Nov 2002 4 6
-1.84% Apr 1987 May 1987 2 Aug 1987 3 5
-1.77% May 1999 Aug 1999 4 Oct 1999 2 6

Rolling Returns ( more details)

Vanguard LifeStrategy Income Fund Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
7.01 22.80
Feb 1986 - Jan 1987
-9.83
Nov 2007 - Oct 2008
5.65%
2 Years
6.93 14.76
Oct 1990 - Sep 1992
-2.21
Mar 2007 - Feb 2009
1.69%
3 Years
6.92 14.52
Oct 1990 - Sep 1993
0.82
Mar 2006 - Feb 2009
0.00%
5 Years
6.86 12.01
Sep 1988 - Aug 1993
2.54
Mar 2004 - Feb 2009
0.00%
7 Years
6.82 11.05
Feb 1986 - Jan 1993
2.95
May 2015 - Apr 2022
0.00%
10 Years
6.79 10.58
Jan 1986 - Dec 1995
3.67
May 2012 - Apr 2022
0.00%
15 Years
6.66 9.65
Feb 1986 - Jan 2001
4.36
May 2007 - Apr 2022
0.00%
20 Years
6.64 8.61
Feb 1986 - Jan 2006
4.94
May 2002 - Apr 2022
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 Income Fund Portfolio: Rolling Returns page.

Seasonality

Vanguard LifeStrategy Income Fund 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 %
0.53
73%
0.44
70%
0.25
57%
0.60
78%
0.53
61%
0.57
75%
0.87
75%
0.52
72%
0.31
58%
0.47
72%
0.58
67%
1.05
81%
Best
Year
3.7
1987
4.6
1986
4.6
1986
3.8
2020
4.3
1990
3.2
1986
3.5
1989
4.0
1986
3.2
1998
2.3
1998
3.1
2020
4.8
2008
Worst
Year
-2.9
2009
-2.4
2009
-4.1
2020
-4.6
2022
-1.6
1986
-1.8
2013
-1.7
2003
-3.2
1990
-3.3
2008
-5.7
2008
-1.5
1993
-0.9
1996
Statistics calculated for the period Jan 1986 - Apr 2022

Monthly/Yearly Returns

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

MONTHLY RETURNS HISTOGRAM
305 Positive Months (70%) - 131 Negative Months (30%)
Jan 1986 - Apr 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
-9.84 -12.51 -2.4 -1.5 -1.8 -4.6
2021
+2.15 -4.62 -0.6 -0.7 -0.1 1.3 0.4 0.9 1.1 0.3 -1.7 1.1 -0.2 0.5
2020
+8.85 +7.48 1.3 -0.3 -4.1 3.8 1.4 1.1 2.0 0.4 -0.4 -0.6 3.1 1.2
2019
+12.26 +9.78 2.5 0.6 1.8 0.8 0.0 2.4 0.4 1.5 0.0 0.6 0.5 0.6
2018
-1.15 -3.01 0.3 -1.4 0.4 -0.4 0.5 0.0 0.7 0.6 -0.3 -2.1 0.8 -0.2
2017
+7.31 +5.07 0.4 1.1 0.2 0.9 1.0 0.1 0.8 0.8 0.1 0.6 0.5 0.7
2016
+4.45 +2.35 -0.1 0.6 2.1 0.4 0.3 1.6 1.3 -0.1 0.2 -1.2 -1.4 0.7
2015
+0.26 -0.38 1.4 0.3 0.2 0.0 -0.3 -1.4 1.0 -1.7 0.0 1.6 -0.2 -0.6
2014
+6.50 +5.81 0.4 1.4 0.1 0.7 1.2 0.6 -0.4 1.5 -1.0 0.9 1.0 0.0
2013
+3.78 +2.23 0.4 0.5 0.7 1.3 -1.5 -1.8 1.5 -1.2 1.9 1.5 0.3 0.1
2012
+7.54 +5.68 1.8 1.0 0.1 0.6 -1.1 1.1 1.3 0.8 1.1 -0.2 0.6 0.2
2011
+5.49 +2.36 0.4 1.0 0.0 1.9 0.5 -0.6 0.9 -0.3 -1.3 2.1 -0.4 1.3
2010
+8.55 +7.02 0.3 0.8 1.3 1.1 -1.0 0.4 2.1 0.8 1.8 0.9 -0.9 0.7
2009
+12.18 +9.11 -2.9 -2.4 2.3 2.8 2.6 0.6 3.3 1.9 2.0 -0.3 2.1 -0.3
2008
-4.64 -4.61 0.0 0.1 -0.2 0.5 -0.5 -1.8 -0.1 0.4 -3.3 -5.7 1.3 4.8
2007
+6.96 +2.74 0.2 0.9 0.4 1.1 0.0 -0.5 0.3 0.9 1.7 1.5 0.3 0.0
2006
+7.11 +4.47 0.8 0.2 -0.2 0.4 -0.8 0.0 1.1 1.7 0.9 1.3 1.4 0.0
2005
+4.54 +1.16 0.1 0.2 -0.6 0.6 1.2 0.7 0.2 1.1 -0.2 -1.2 1.1 1.2
2004
+7.04 +3.58 1.0 1.2 0.5 -2.2 -0.1 0.8 -0.1 1.5 0.6 1.1 0.9 1.5
2003
+10.09 +7.89 -0.3 0.8 -0.2 2.3 2.6 0.3 -1.7 0.9 2.0 0.6 0.6 2.0
2002
+3.19 +0.69 0.0 0.5 -0.2 0.8 0.5 -0.7 -1.1 1.3 -0.5 0.7 1.0 1.0
2001
+4.39 +2.74 2.0 -1.0 -0.6 1.0 0.4 -0.2 1.6 0.1 -0.9 2.2 -0.1 -0.2
2000
+6.07 +2.55 -1.2 1.5 2.1 -1.3 -0.6 2.3 0.1 1.8 -0.2 0.0 -0.2 1.8
1999
+4.89 +2.16 1.4 -2.0 1.3 1.5 -1.5 0.4 -0.5 -0.2 0.6 1.4 0.8 1.7
1998
+12.95 +11.17 1.2 1.8 0.7 0.9 0.1 0.8 -0.1 -1.5 3.2 2.3 0.8 2.0
1997
+7.78 +5.99 -0.4 0.0 -1.3 0.9 2.6 2.0 2.2 -1.7 2.7 0.0 0.0 0.7
1996
+6.01 +2.55 0.3 -0.8 -0.1 0.4 0.1 0.7 -0.2 0.5 1.8 1.7 2.4 -0.9
1995
+19.89 +16.93 1.2 1.5 1.2 1.9 3.4 0.5 1.2 1.0 1.5 0.9 2.5 1.6
1994
-2.48 -4.95 2.0 -1.9 -2.5 -0.3 -0.2 -0.7 1.6 0.5 -1.3 0.5 -0.7 0.5
1993
+13.03 +9.94 1.3 2.0 1.4 1.0 1.0 1.3 1.1 2.4 0.0 0.8 -1.5 1.6
1992
+6.76 +3.69 -1.5 0.4 -1.3 0.6 2.2 0.7 2.0 0.9 0.9 -1.3 0.8 2.4
1991
+18.32 +14.90 1.7 2.6 0.6 1.1 1.0 -1.3 2.1 1.9 2.1 1.1 -0.4 4.6
1990
+3.86 -2.25 -2.7 0.0 -0.3 -1.4 4.3 1.3 1.1 -3.2 -1.1 2.1 2.2 1.7
1989
+14.71 +9.62 1.7 -0.5 0.4 2.2 2.0 2.1 3.5 -1.3 0.6 1.2 1.2 0.9
1988
+10.36 +5.69 3.4 2.1 -0.4 -0.1 -0.8 2.2 -0.2 -0.7 2.3 1.9 -0.2 0.5
1987
+4.45 +0.11 3.7 1.3 1.0 -1.6 -0.2 1.3 0.5 0.9 -2.1 -2.2 -0.3 2.2
1986
+19.21 +17.81 0.6 4.6 4.6 1.1 -1.6 3.2 1.0 4.0 -2.6 1.0 1.0 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 Income Fund Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Vanguard LifeStrategy Income Fund 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)
+5.46%
(+3.00%)
Good : 3.6 / 5
Bad : 1.9 / 5
Standard Deviation
over 25 Years
4.35%
Average : 2.3 / 5
Excellent : 4.7 / 5
Maximum Drawdown
over 25 Years
-10.54%
Average : 2.8 / 5
Excellent : 4.6 / 5
Easy to manage 4 ETFs
Good : 3.5 / 5
Good : 3.5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Best Classic Portfolios, with Low Risk

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30 Years Stats (%)
% Allocation
Portfolio May 2022 Return Drawdown Stocks Bonds Comm
High Yield Bonds Income
+2.23 +7.22 -23.97 0 100 0
All Country World 20/80
+0.94 +6.32 -14.04 20 80 0
US Inflation Protection
-0.28 +6.11 -11.79 0 100 0
Stocks/Bonds 20/80
+1.24 +6.09 -10.48 20 80 0
Dimensional Retirement Income Fund
DFA
+0.23 +6.01 -12.91 20.4 79.6 0

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May 2022 return refers to period 01-27 May 2022.
Last update: May 27 2022.
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