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)
1.48%
1 Day
Sep 23 2022
5.55%
Current Month
September 2022

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

It's exposed for 60% on the Stock Market.

In the last 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.21% compound annual return, with a 9.18% standard deviation.

Asset Allocation and ETFs

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

60% Stocks
40% Fixed Income
0% Commodities

The Vanguard LifeStrategy Moderate Growth Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
36.00 %
VTI Vanguard Total Stock Market Equity, U.S., Large Cap
24.00 %
VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
28.00 %
BND Vanguard Total Bond Market Bond, U.S., All-Term
12.00 %
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 Moderate 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 MODERATE 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 Moderate Growth Portfolio -1.48 -5.55 -3.60 -9.86 -14.04 4.89 6.50 7.21
US Inflation Adjusted return -3.56 -13.65 -20.60 1.03 3.86 4.59
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
Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the Vanguard LifeStrategy Moderate Growth Portfolio granted a 2.33% dividend yield. If you are interested in getting periodic income, please refer to the Vanguard LifeStrategy Moderate Growth Portfolio: Dividend Yield page.

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Historical Returns as of Aug 31, 2022

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

VANGUARD LIFESTRATEGY MODERATE 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
-3.60
-3.56
-3.60
Aug 2022 - Aug 2022
0 - 1
3M
-4.18
-5.44
-5.41
Jun 2022 - Jun 2022
1 - 2
6M
-9.86
-13.65
-11.01
Mar 2022 - Jun 2022
2 - 4
YTD
-14.84
-19.83
-15.92
Jan 2022 - Jun 2022
2 - 6
1Y
-14.04
-20.60
11.56
-15.92
Jan 2022 - Jun 2022
4 - 8
33% pos
3Y(*)
4.23
-0.64
11.84
-15.92
Jan 2022 - Jun 2022
22 - 14
61% pos
5Y(*)
4.89
1.03
10.53
-15.92
Jan 2022 - Jun 2022
39 - 21
65% pos
10Y(*)
6.50
3.86
8.61
-15.92
Jan 2022 - Jun 2022
81 - 39
68% pos
15Y(*)
5.50
3.04
10.26
-33.52
Nov 2007 - Feb 2009
113 - 67
63% pos
20Y(*)
7.02
4.41
9.46
-33.52
Nov 2007 - Feb 2009
157 - 83
65% pos
25Y(*)
6.30
3.73
9.60
-33.52
Nov 2007 - Feb 2009
189 - 111
63% pos
30Y(*)
7.21
4.59
9.18
-33.52
Nov 2007 - Feb 2009
236 - 124
66% pos
MAX(*)
01 Jan 1986
8.14
5.24
9.45
-33.52
Nov 2007 - Feb 2009
293 - 147
67% 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$, since September 1992, now would be worth 8076.87$, with a total return of 707.69% (7.21% annualized).

The Inflation Adjusted Capital now would be 3842.48$, with a net total return of 284.25% (4.59% annualized).
An investment of 1000$, since January 1986, now would be worth 17611.41$, with a total return of 1661.14% (8.14% annualized).

The Inflation Adjusted Capital now would be 6499.38$, with a net total return of 549.94% (5.24% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-33.52% Nov 2007 Feb 2009 16 Oct 2010 20 36
-20.87% Apr 2000 Sep 2002 30 Dec 2003 15 45
-15.92% Jan 2022 Jun 2022 6 in progress 2 8
-12.56% Jan 2020 Mar 2020 3 Jul 2020 4 7
-11.06% May 2011 Sep 2011 5 Feb 2012 5 10
-8.89% Jul 1998 Aug 1998 2 Nov 1998 3 5
-7.60% Feb 2018 Dec 2018 11 Mar 2019 3 14
-7.06% Jun 2015 Feb 2016 9 Jul 2016 5 14
-5.08% Apr 2012 May 2012 2 Aug 2012 3 5
-4.62% Feb 1994 Mar 1994 2 Mar 1995 12 14
-3.76% Aug 1997 Aug 1997 1 Sep 1997 1 2
-3.38% Nov 1993 Nov 1993 1 Jan 1994 2 3
-3.22% May 2019 May 2019 1 Jun 2019 1 2
-3.10% Jan 2000 Jan 2000 1 Mar 2000 2 3
-2.95% Sep 2021 Sep 2021 1 Oct 2021 1 2
-2.90% Sep 2020 Oct 2020 2 Nov 2020 1 3
-2.89% Oct 1997 Oct 1997 1 Jan 1998 3 4
-2.66% May 2013 Jun 2013 2 Jul 2013 1 3
-2.55% Feb 1999 Feb 1999 1 Mar 1999 1 2
-2.46% Jul 1996 Jul 1996 1 Sep 1996 2 3
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-33.52% Nov 2007 Feb 2009 16 Oct 2010 20 36
-20.87% Apr 2000 Sep 2002 30 Dec 2003 15 45
-15.92% Jan 2022 Jun 2022 6 in progress 2 8
-14.69% Sep 1987 Nov 1987 3 Oct 1988 11 14
-12.56% Jan 2020 Mar 2020 3 Jul 2020 4 7
-11.27% Jan 1990 Sep 1990 9 Feb 1991 5 14
-11.06% May 2011 Sep 2011 5 Feb 2012 5 10
-8.89% Jul 1998 Aug 1998 2 Nov 1998 3 5
-7.60% Feb 2018 Dec 2018 11 Mar 2019 3 14
-7.06% Jun 2015 Feb 2016 9 Jul 2016 5 14
-5.08% Apr 2012 May 2012 2 Aug 2012 3 5
-4.62% Feb 1994 Mar 1994 2 Mar 1995 12 14
-4.08% Jan 1992 Mar 1992 3 Aug 1992 5 8
-3.93% Sep 1986 Oct 1986 2 Jan 1987 3 5
-3.76% Aug 1997 Aug 1997 1 Sep 1997 1 2
-3.38% Nov 1993 Nov 1993 1 Jan 1994 2 3
-3.35% Jun 1991 Jun 1991 1 Aug 1991 2 3
-3.22% May 2019 May 2019 1 Jun 2019 1 2
-3.10% Jan 2000 Jan 2000 1 Mar 2000 2 3
-2.95% Sep 2021 Sep 2021 1 Oct 2021 1 2

Rolling Returns ( more details)

Vanguard LifeStrategy Moderate Growth Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 8.63 38.54
Mar 2009 - Feb 2010 		-28.61
Mar 2008 - Feb 2009 		17.02%
2 Years
 8.24 26.72
Mar 2009 - Feb 2011 		-14.29
Mar 2007 - Feb 2009 		10.31%
3 Years
 8.07 18.55
Mar 2009 - Feb 2012 		-6.84
Apr 2000 - Mar 2003 		6.91%
5 Years
 7.91 15.32
Jan 1995 - Dec 1999 		-0.49
Mar 2004 - Feb 2009 		0.26%
7 Years
 7.81 13.17
Oct 1990 - Sep 1997 		2.06
Mar 2002 - Feb 2009 		0.00%
10 Years
 7.75 12.22
Feb 1986 - Jan 1996 		2.00
Mar 1999 - Feb 2009 		0.00%
15 Years
 7.34 11.64
Feb 1986 - Jan 2001 		5.06
Mar 1994 - Feb 2009 		0.00%
20 Years
 7.36 9.99
Feb 1986 - Jan 2006 		5.02
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 Moderate Growth Portfolio: Rolling Returns page.

Seasonality

Vanguard LifeStrategy Moderate 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 %		 0.55
59% 		0.61
59% 		0.72
68% 		1.35
81% 		0.63
68% 		0.24
59% 		1.18
70% 		0.04
62% 		-0.04
58% 		0.49
61% 		0.93
69% 		1.61
83%
Best
Year		 8.0
1987 		6.5
1986 		6.6
1986 		7.1
2009 		6.9
1990 		4.6
2019 		6.4
1989 		5.5
1986 		5.6
2010 		6.4
2011 		7.5
2020 		6.4
1991
Worst
Year		 -6.5
2009 		-6.1
2009 		-9.0
2020 		-6.3
2022 		-5.0
2010 		-5.4
2022 		-4.9
2002 		-8.4
1998 		-6.7
2008 		-11.9
2008 		-3.8
2000 		-3.9
2018
Statistics calculated for the period Jan 1986 - Aug 2022

Monthly/Yearly Returns

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

MONTHLY RETURNS HISTOGRAM
293 Positive Months (67%) - 147 Negative Months (33%)
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
 -14.84 -19.83 -3.5 -2.1 0.0 -6.3 0.5 -5.4 5.1 -3.6
2021
 +10.43 +3.17 -0.3 1.0 1.4 2.7 1.0 1.1 0.8 1.4 -2.9 3.2 -1.5 2.2
2020
 +12.96 +11.44 -0.1 -3.9 -9.0 6.9 3.1 2.0 3.4 3.2 -1.6 -1.3 7.5 3.2
2019
 +19.70 +17.02 5.3 1.7 1.5 2.2 -3.2 4.6 0.3 -0.4 1.1 1.6 1.6 2.0
2018
 -4.98 -6.76 2.8 -2.9 -0.5 0.0 0.7 -0.2 1.9 0.9 0.0 -5.0 1.3 -3.9
2017
 +15.50 +13.11 1.6 1.9 0.7 1.2 1.4 0.4 1.7 0.5 1.2 1.4 1.3 1.1
2016
 +7.06 +4.88 -2.9 -0.2 4.7 0.8 0.5 0.7 2.7 0.2 0.5 -1.6 0.2 1.3
2015
 -0.72 -1.44 -0.1 3.0 -0.6 1.2 0.0 -1.8 0.9 -4.3 -1.7 4.4 -0.2 -1.4
2014
 +6.10 +5.31 -1.9 3.2 0.3 0.7 1.6 1.4 -1.1 2.2 -2.1 1.3 1.2 -0.8
2013
 +14.76 +13.06 2.3 0.4 1.7 1.9 -0.6 -2.0 3.5 -2.0 3.7 2.8 1.1 1.3
2012
 +12.49 +10.56 3.8 2.9 0.8 -0.3 -4.8 3.0 1.0 1.8 2.0 -0.5 0.9 1.5
2011
 +0.23 -2.65 1.0 2.1 0.1 2.9 -0.8 -1.1 -0.7 -3.7 -5.3 6.4 -0.8 0.5
2010
 +11.87 +10.22 -2.1 1.7 3.9 0.9 -5.0 -1.8 5.1 -1.6 5.6 2.4 -1.1 4.0
2009
 +22.28 +19.04 -6.5 -6.1 5.4 7.1 6.0 0.0 6.2 2.7 3.5 -1.7 3.8 1.1
2008
 -22.10 -22.17 -3.4 -0.7 -0.4 2.8 0.6 -5.0 -0.9 -0.3 -6.7 -11.9 -2.4 4.6
2007
 +8.20 +3.95 0.8 0.0 1.1 2.5 1.8 -0.6 -1.2 0.7 3.3 2.5 -2.2 -0.7
2006
 +13.59 +10.78 2.8 0.0 1.2 1.6 -2.3 0.0 0.7 2.1 1.2 2.5 2.2 1.0
2005
 +7.28 +3.73 -1.0 1.6 -1.4 -0.7 1.8 0.8 2.1 0.8 1.1 -2.0 2.5 1.7
2004
 +11.52 +8.01 1.6 1.5 0.0 -2.4 0.5 1.5 -1.8 0.9 1.4 1.8 3.4 2.7
2003
 +22.34 +20.08 -1.8 -0.5 -0.3 5.6 4.3 1.2 0.5 1.7 1.2 3.6 1.2 3.9
2002
 -7.56 -9.71 -1.2 -0.1 2.1 -0.9 0.1 -3.2 -4.9 0.9 -5.0 3.3 3.0 -1.5
2001
 -5.13 -6.57 2.4 -4.9 -3.6 4.3 -0.2 -1.3 -0.1 -2.1 -4.9 2.4 2.6 0.6
2000
 -3.26 -6.43 -3.1 2.1 3.4 -3.3 -1.8 3.3 -1.4 3.3 -2.4 -1.2 -3.8 2.1
1999
 +15.58 +12.55 1.7 -2.5 2.8 3.2 -2.4 2.7 -0.8 -0.3 -0.3 3.4 2.3 5.2
1998
 +16.58 +14.73 1.3 4.5 2.5 0.9 -1.1 1.4 -0.5 -8.4 3.2 5.4 3.3 3.6
1997
 +13.04 +11.14 1.0 0.3 -2.1 1.9 4.8 3.4 3.9 -3.8 4.2 -2.9 0.9 1.1
1996
 +10.23 +6.69 1.0 0.2 0.7 1.7 0.6 0.2 -2.5 1.2 3.0 1.0 4.0 -1.2
1995
 +21.48 +18.47 0.5 1.0 2.6 2.4 2.4 0.9 2.9 0.2 2.2 -0.4 3.1 1.9
1994
 +0.66 -1.96 3.9 -1.5 -3.2 0.8 0.1 -0.7 1.8 1.9 -1.8 1.3 -2.7 0.8
1993
 +15.69 +12.59 1.0 1.8 3.5 1.8 2.2 0.1 1.4 3.4 -0.7 1.2 -3.4 2.7
1992
 +3.16 +0.25 -1.2 -0.1 -2.7 0.6 2.6 -1.1 1.6 1.0 0.3 -1.3 1.8 1.9
1991
 +20.78 +17.18 2.6 5.6 0.2 1.0 1.7 -3.3 3.3 1.2 1.8 1.5 -2.4 6.4
1990
 -4.85 -10.33 -4.2 -0.8 -1.4 -2.1 6.9 0.4 0.6 -6.2 -4.5 3.4 1.6 2.0
1989
 +18.36 +13.10 3.3 -0.7 0.4 2.8 1.3 0.5 6.4 -0.7 1.2 -1.0 2.0 1.8
1988
 +15.51 +10.62 3.7 3.9 0.6 0.7 -0.9 1.9 0.0 -2.4 2.9 2.7 0.8 0.7
1987
 +9.10 +4.47 8.0 2.6 3.5 1.1 0.2 1.1 1.6 3.6 -1.9 -11.2 -2.1 3.5
1986
 +26.65 +25.27 1.0 6.5 6.6 1.9 -0.1 3.6 0.1 5.5 -3.9 0.0 2.2 0.9

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 Moderate Growth Portfolio actually efficient, compared to other Lazy Portfolios?

Best Classic Portfolios, with High Risk

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Sep 2022 Return▾ Drawdown Stocks Bonds Comm
Simple Path to Wealth
JL Collins 		-5.93 +8.90 -38.53 75 25 0
Yale Endowment
David Swensen 		-7.04 +8.59 -39.48 70 30 0
Late Sixties and Beyond
Burton Malkiel 		-6.01 +8.57 -41.80 71 29 0
Talmud Portfolio
Roger Gibson 		-6.47 +8.53 -40.17 66.7 33.3 0
Lazy Portfolio
David Swensen 		-6.59 +8.22 -40.89 70 30 0

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Sep 2022 return refers to period 01-23 September 2022.
Last update: Sep 23 2022.
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