Data Source: from January 1985 to December 2022 (~38 years)
Consolidated Returns as of 31 December 2022
Live Update: Jan 30 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.50%
1 Day
Jan 30 2023
3.37%
Current Month
January 2023

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

It's exposed for 20% on the Stock Market.

In the last 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.52% compound annual return, with a 4.58% standard deviation.

Asset Allocation and ETFs

The Vanguard LifeStrategy Income Fund Portfolio 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 as of Dec 31, 2022

The Vanguard LifeStrategy Income Fund Portfolio guaranteed the following returns.

Portfolio returns are calculated in USD, assuming: January 2023 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 31 December 2022
Live Update: Jan 30 2023
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Dec 31, 2022
  1 Day Time ET(*) Jan 2023 1M 6M 1Y 5Y 10Y 30Y MAX
(~38Y)
Vanguard LifeStrategy Income Fund Portfolio -0.50 3.37 -1.98 -2.15 -14.00 1.20 2.80 5.52 7.00
US Inflation Adjusted return -1.68 -2.31 -19.21 -2.49 0.19 2.95 4.12
Components
VTI
Vanguard Total Stock Market 		-1.34 Jan 30 2023 5.24 -5.85 2.30 -19.51 8.68 12.07 9.54 9.01
VEU
Vanguard FTSE All-World ex-US 		-1.08 Jan 30 2023 8.24 -2.19 2.16 -15.59 1.20 3.95 5.49 7.98
BND
Vanguard Total Bond Market 		-0.28 Jan 30 2023 2.84 -0.81 -3.09 -13.11 -0.03 1.00 4.37 4.49
BNDX
Vanguard Total International Bond 		-0.41 Jan 30 2023 2.07 -2.75 -3.23 -12.76 -0.21 1.47 4.95 6.58
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)

US Inflation is updated to Dec 2022. Current inflation (annualized) is 1Y: 6.45% , 5Y: 3.78% , 10Y: 2.60% , 30Y: 2.49%

Live update: World Markets and Indexes

Portfolio Metrics as of Dec 31, 2022

Metrics of Vanguard LifeStrategy Income Fund Portfolio, updated as of 31 December 2022.

Portfolio metrics are calculated based on monthly returns, assuming:
VANGUARD LIFESTRATEGY INCOME FUND PORTFOLIO
Portfolio Metrics
Data Source: 1 January 1985 - 31 December 2022 (~38 years)
Swipe left to see all data
Metrics as of Dec 31, 2022
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~38Y)
Portfolio
Return (%)		 -1.98 2.75 -2.15 -14.00 -1.48 1.20 2.80 4.58 5.52 7.00
US Inflation (%) -0.31 0.00 0.16 6.45 4.92 3.78 2.60 2.51 2.49 2.76
Infl. Adjusted
Return (%)		 -1.68 2.76 -2.31 -19.21 -6.10 -2.49 0.19 2.03 2.95 4.12
Returns / Inflation rates over 1 year are annualized.
RISK INDICATORS
Standard Deviation (%) 9.51 7.51 6.28 4.98 4.78 4.58 5.01
Sharpe Ratio -1.62 -0.27 0.02 0.44 0.73 0.73 0.60
Sortino Ratio -2.65 -0.37 0.02 0.57 0.94 0.96 0.82
MAXIMUM DRAWDOWN
Drawdown Depth (%) -16.30 -16.61 -16.61 -16.61 -16.61 -16.61 -16.61
Start (yyyy mm) 2022 01 2021 09 2021 09 2021 09 2021 09 2021 09 2021 09
Bottom (yyyy mm) 2022 09 2022 09 2022 09 2022 09 2022 09 2022 09 2022 09
Start to Bottom (# months) 9 13 13 13 13 13 13
Start to Recovery (# months) in progress
> 12
> 16
> 16
> 16
> 16
> 16
> 16
ROLLING PERIOD RETURNS - Annualized
Best Return (%) 33.33 17.54 14.75 11.20 9.63 8.31
Worst Return (%) -15.57 -1.83 1.00 2.58 4.58 5.49
% Positive Periods 93% 99% 100% 100% 100% 100%
MONTHS
Positive 0 2 3 4 19 37 81 168 250 319
Negative 1 1 3 8 17 23 39 72 110 137
% Positive 0% 67% 50% 33% 53% 62% 68% 70% 69% 70%
WITHDRAWAL RATES (WR)
Safe WR (%) 32.54 20.81 11.48 7.17 6.29 7.65
Perpetual WR (%) 0.00 0.00 0.19 1.99 2.87 3.96
Terms and Definitions
  • Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
  • Standard Deviation: it's a measure of the dispersion of returns around the mean
  • Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return.
  • Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation).
  • Maximum Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.
  • Rolling Returns: returns over a time frame (best, worst, % of positive returns).
  • Pos./Neg. Months: number of months with positive/negative return.
  • Safe Withdrawal Rate (SWR): it's the percentage of the original portfolio balance that can be withdrawn at the end of each year with inflation adjustment, without the portfolio running out of money (dollar amount withdrawal).
  • Perpetual Withdrawal Rate (PWR): it's the percentage of portfolio balance that can be withdrawn at the end of each year, while retaining the inflation adjusted portfolio balance (percentage withdrawal).

Portfolio Components Correlation

Correlation measures to what degree the returns of the two assets move in relation to each other.

Correlation coefficient is a numerical value between -1 and +1.

If one variable goes up by a certain amount, the correlation coefficient indicates which way the other variable moves and by how much.

Asset correlations are calculated based on monthly returns.
COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 31 December 2022
Swipe left to see all data
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.81
0.68
0.81
VEU
0.81
1.00
0.86
0.81
BND
0.68
0.86
1.00
0.87
BNDX
0.81
0.81
0.87
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.88
0.41
0.45
VEU
0.88
1.00
0.43
0.41
BND
0.41
0.43
1.00
0.86
BNDX
0.45
0.41
0.86
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.85
0.30
0.36
VEU
0.85
1.00
0.36
0.33
BND
0.30
0.36
1.00
0.86
BNDX
0.36
0.33
0.86
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.82
0.12
0.14
VEU
0.82
1.00
0.13
0.15
BND
0.12
0.13
1.00
0.66
BNDX
0.14
0.15
0.66
1.00
 
 
 
 
Asset VTI VEU BND BNDX
VTI
1.00
0.72
0.18
0.19
VEU
0.72
1.00
0.16
0.19
BND
0.18
0.16
1.00
0.74
BNDX
0.19
0.19
0.74
1.00

Portfolio Dividends

In 2022, the Vanguard LifeStrategy Income Fund Portfolio granted a 1.93% dividend yield. If you are interested in getting periodic income, please refer to the Vanguard LifeStrategy Income Fund Portfolio: Dividend Yield page.

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Get Good with Money: Ten Simple Steps to Becoming Financially Whole
Retirement Planning Guidebook: Navigating the Important Decisions for Retirement ...
Bond Investing For Dummies (For Dummies (Business & Personal Finance))

Capital Growth as of Dec 31, 2022

An investment of 1000$, since January 1993, now would be worth 5010.05$, with a total return of 401.01% (5.52% annualized).

The Inflation Adjusted Capital now would be 2395.33$, with a net total return of 139.53% (2.95% annualized).
An investment of 1000$, since January 1985, now would be worth 13079.69$, with a total return of 1207.97% (7.00% annualized).

The Inflation Adjusted Capital now would be 4640.52$, with a net total return of 364.05% (4.12% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-16.61% Sep 2021 Sep 2022 13 in progress 3 16
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15
-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
-16.61% Sep 2021 Sep 2022 13 in progress 3 16
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15
-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
 7.21 33.33
Apr 1985 - Mar 1986 		-15.57
Nov 2021 - Oct 2022 		7.19%
2 Years
 7.08 24.37
Mar 1985 - Feb 1987 		-6.27
Jan 2021 - Dec 2022 		3.46%
3 Years
 7.00 17.54
Mar 1985 - Feb 1988 		-1.83
Nov 2019 - Oct 2022 		1.19%
5 Years
 6.93 14.75
Jan 1985 - Dec 1989 		1.00
Nov 2017 - Oct 2022 		0.00%
7 Years
 6.91 13.63
Jan 1985 - Dec 1991 		2.08
Nov 2015 - Oct 2022 		0.00%
10 Years
 6.85 11.20
Mar 1985 - Feb 1995 		2.58
Oct 2012 - Sep 2022 		0.00%
15 Years
 6.74 10.82
Jan 1985 - Dec 1999 		3.62
Nov 2007 - Oct 2022 		0.00%
20 Years
 6.71 9.63
Jan 1985 - Dec 2004 		4.58
Nov 2002 - Oct 2022 		0.00%
30 Years
 6.87 8.31
Jan 1985 - Dec 2014 		5.49
Oct 1992 - Sep 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

In which months is it better to invest in Vanguard LifeStrategy Income Fund Portfolio?

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
Gain Frequency
0.20
60%
-0.68
20%
-0.77
40%
0.19
60%
0.53
80%
0.30
80%
1.51
100%
-0.06
80%
-1.45
20%
-0.08
60%
1.68
80%
0.03
60%
 Capital Growth on monthly avg returns
100
100.20
99.52
98.75
98.93
99.45
99.75
101.26
101.20
99.73
99.65
101.32
101.35
Best 2.5
2019 		0.6
2019 		1.8
2019 		3.8
2020 		1.4
2020 		2.4
2019 		3.4
2022 		1.5
2019 		0.0
2019 		1.1
2021 		4.2
2022 		1.2
2020
Worst -2.4
2022 		-1.5
2022 		-4.1
2020 		-4.6
2022 		0.0
2019 		-2.9
2022 		0.4
2019 		-3.2
2022 		-4.8
2022 		-2.1
2018 		-0.2
2021 		-2.0
2022
Monthly Seasonality over the period Jan 2018 - Dec 2022
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
Gain Frequency
0.34
70%
0.06
60%
-0.06
70%
0.43
80%
0.32
70%
0.06
70%
1.18
90%
-0.10
60%
-0.60
40%
0.29
70%
0.86
70%
0.11
60%
 Capital Growth on monthly avg returns
100
100.34
100.40
100.35
100.77
101.10
101.15
102.34
102.24
101.63
101.93
102.80
102.92
Best 2.5
2019 		1.4
2014 		2.1
2016 		3.8
2020 		1.4
2020 		2.4
2019 		3.4
2022 		1.5
2014 		1.9
2013 		1.6
2015 		4.2
2022 		1.2
2020
Worst -2.4
2022 		-1.5
2022 		-4.1
2020 		-4.6
2022 		-1.5
2013 		-2.9
2022 		-0.4
2014 		-3.2
2022 		-4.8
2022 		-2.1
2018 		-1.4
2016 		-2.0
2022
Monthly Seasonality over the period Jan 2013 - Dec 2022
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
Gain Frequency
0.61
74%
0.39
68%
0.30
58%
0.62
79%
0.65
63%
0.50
74%
0.91
74%
0.45
71%
0.17
58%
0.53
74%
0.75
68%
1.03
79%
 Capital Growth on monthly avg returns
100
100.61
101.01
101.31
101.93
102.60
103.11
104.05
104.52
104.69
105.24
106.03
107.13
Best 3.7
1985 		4.6
1986 		4.6
1986 		3.8
2020 		5.5
1985 		3.2
1986 		3.5
1989 		4.0
1986 		3.2
1998 		2.5
1985 		4.2
2022 		4.8
2008
Worst -2.9
2009 		-2.4
2009 		-4.1
2020 		-4.6
2022 		-1.6
1986 		-2.9
2022 		-1.7
2003 		-3.2
2022 		-4.8
2022 		-5.7
2008 		-1.5
1993 		-2.0
2022
Monthly Seasonality over the period Jan 1985 - Dec 2022

Monthly/Yearly Returns

Vanguard LifeStrategy Income Fund Portfolio data source starts from January 1985: let's focus on monthly and yearly returns.

We are providing two different views:
  • Histogram: it shows the distribution of the returns recorded so far
  • Plain Table: it shows the detailed monthly and yearly returns
MONTHLY RETURNS HISTOGRAM
Jan 1985 - Dec 2022
319 Positive Months (70%) - 137 Negative Months (30%)
MONTHLY RETURNS TABLE
Jan 1985 - Dec 2022
(Scroll down to see all data)
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
 -14.00 -19.21 -2.4 -1.5 -1.8 -4.6 0.4 -2.9 3.4 -3.2 -4.8 0.6 4.2 -2.0
2021
 +2.15 -4.56 -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 +7.39 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 +9.75 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 -3.00 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 +5.09 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 +2.33 -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 -0.47 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 +5.70 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 +2.24 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 +5.70 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 +2.46 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 +6.95 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 +9.21 -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 -4.72 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 +2.77 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 +4.46 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 +1.09 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 +3.66 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 +8.06 -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 +0.79 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 +2.80 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 +2.59 -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 +2.15 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 +11.16 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 +5.98 -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 +2.60 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 +16.92 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 -5.02 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 +10.01 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 +3.76 -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 +14.81 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 -2.12 -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 +9.61 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 +0.01 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 +17.91 0.6 4.6 4.6 1.1 -1.6 3.2 1.0 4.0 -2.6 1.0 1.0 1.0
1985
 +26.25 +21.63 3.7 -1.5 2.0 1.5 5.5 1.3 -0.3 1.8 0.1 2.5 3.4 3.6

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

Compared to the Vanguard LifeStrategy Income Fund Portfolio, the following portfolios granted a higher return over 30 Years and a less severe drawdown at the same time.

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Return▾ Dev.Std Drawdown Stocks Bonds Comm
Simplified Permanent Portfolio
 +6.86 6.67 -16.43 25 50 25
Desert Portfolio
Gyroscopic Investing 		+6.55 5.34 -14.72 30 60 10
Permanent Portfolio
Harry Browne 		+6.44 6.35 -15.92 25 50 25
Larry Portfolio
Larry Swedroe 		+6.28 5.46 -15.96 30 70 0
Sheltered Sam 30/70
Bill Bernstein 		+5.91 5.14 -16.58 29.1 70 0.9
Stocks/Bonds 20/80
 +5.66 4.67 -16.57 20 80 0
Dimensional Retirement Income Fund
DFA 		+5.58 4.75 -12.91 20.4 79.6 0
LifeStrategy Income Fund
Vanguard 		+5.52 4.58 -16.61 20 80 0

Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Low Risk categorization.

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30 Years Stats (%)
% Allocation
Portfolio Return▾ Dev.Std Drawdown Stocks Bonds Comm
High Yield Bonds Income
 +6.74 8.65 -23.97 0 100 0
Stocks/Bonds 20/80 Momentum
 +6.26 4.74 -17.91 20 80 0
All Country World 20/80
 +5.86 5.47 -17.97 20 80 0
Stocks/Bonds 20/80
 +5.66 4.67 -16.57 20 80 0
Dimensional Retirement Income Fund
DFA 		+5.58 4.75 -12.91 20.4 79.6 0
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