FundAdvice Ultimate Buy&Hold Portfolio: ETF allocation and returns

Data Source: from January 1985 to May 2023 (~38 years)
Consolidated Returns as of 31 May 2023
Live Update: Jun 06 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.70%
1 Day
Jun 06 2023
2.14%
Current Month
June 2023

The FundAdvice Ultimate Buy&Hold Portfolio is a High Risk portfolio and can be implemented with 12 ETFs.

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

In the last 30 Years, the FundAdvice Ultimate Buy&Hold Portfolio obtained a 6.95% compound annual return, with a 9.20% standard deviation.

Asset Allocation and ETFs

The FundAdvice Ultimate Buy&Hold Portfolio has the following asset allocation:

60% Stocks
40% Fixed Income
0% Commodities

The FundAdvice Ultimate Buy&Hold Portfolio can be implemented with the following ETFs:

Weight (%) Ticker ETF Name Investment Themes
12.00
DLS
WisdomTree International SmallCp Div Equity, Developed Markets, Small Cap, Value
6.00
IJR
iShares Core S&P Small-Cap Equity, U.S., Small Cap
6.00
EEM
iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
6.00
IJS
iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
6.00
VTV
Vanguard Value Equity, U.S., Large Cap, Value
6.00
VEA
Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
6.00
EFV
iShares MSCI EAFE Value Equity, EAFE, Large Cap, Value
6.00
VNQ
Vanguard Real Estate Real Estate, U.S.
6.00
VV
Vanguard Large-Cap Equity, U.S., Large Cap
20.00
IEI
iShares 3-7 Year Treasury Bond Bond, U.S., Intermediate-Term
12.00
SHY
iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
8.00
TIP
iShares TIPS Bond Bond, U.S., 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 May 31, 2023

The FundAdvice Ultimate Buy&Hold Portfolio guaranteed the following returns.

Portfolio returns are calculated in USD, assuming: June 2023 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Consolidated returns as of 31 May 2023
Live Update: Jun 06 2023
Swipe left to see all data
    Chg (%) Return (%) Return (%) as of May 31, 2023
    1 Day Time ET(*) Jun 2023 1M 6M 1Y 5Y 10Y 30Y MAX
(~38Y)
FundAdvice Ultimate Buy&Hold Portfolio 0.70 2.14 -2.49 -0.53 -3.56 2.64 4.46 6.95 8.87
US Inflation Adjusted return -2.49 -2.38 -7.08 -1.13 1.73 4.33 5.92
Components
DLS
WisdomTree International SmallCp Div 0.78 Jun 06 2023 2.96 -5.52 1.98 -4.42 -1.23 4.15 6.53 10.33
IJR
iShares Core S&P Small-Cap 2.85 Jun 06 2023 5.78 -1.67 -8.53 -7.27 3.75 8.89 9.76 11.34
EEM
iShares MSCI Emerging Markets 0.89 Jun 06 2023 4.43 -2.40 -1.90 -8.29 -1.39 1.39 5.57 7.36
IJS
iShares S&P Small-Cap 600 Value 3.19 Jun 06 2023 6.35 -3.66 -9.53 -8.86 3.20 8.10 10.13 12.72
VTV
Vanguard Value 0.33 Jun 06 2023 2.69 -4.12 -6.58 -3.93 8.08 9.73 9.03 9.87
VEA
Vanguard FTSE Developed Markets 0.88 Jun 06 2023 3.29 -3.73 4.40 1.18 3.21 4.92 4.86 8.10
EFV
iShares MSCI EAFE Value 0.92 Jun 06 2023 3.53 -5.22 3.57 0.31 1.52 3.09 5.45 9.87
VNQ
Vanguard Real Estate 0.96 Jun 06 2023 2.71 -3.96 -6.98 -15.87 4.07 5.34 8.35 6.94
VV
Vanguard Large-Cap 0.25 Jun 06 2023 2.56 0.73 3.57 2.95 10.80 11.85 9.84 8.93
IEI
iShares 3-7 Year Treasury Bond -0.03 Jun 06 2023 -0.33 -0.93 1.68 -1.33 0.87 0.91 4.24 4.49
SHY
iShares 1-3 Year Treasury Bond -0.05 Jun 06 2023 -0.15 -0.38 1.41 -0.24 0.88 0.65 3.03 4.43
TIP
iShares TIPS Bond 0.06 Jun 06 2023 -0.15 -1.71 0.52 -5.71 2.20 1.42 5.21 6.80
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Apr 2023. Waiting for updates, inflation of May 2023 is set to 0%. Current inflation (annualized) is 1Y: 3.79% , 5Y: 3.81% , 10Y: 2.68% , 30Y: 2.51%
Live update: World Markets and Indexes

In 2022, the FundAdvice Ultimate Buy&Hold Portfolio granted a 2.37% dividend yield. If you are interested in getting periodic income, please refer to the FundAdvice Ultimate Buy&Hold Portfolio: Dividend Yield page.

Portfolio Metrics as of May 31, 2023

Metrics of FundAdvice Ultimate Buy&Hold Portfolio, updated as of 31 May 2023.

Portfolio metrics are calculated based on monthly returns, assuming:
FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Portfolio Metrics
Data Source: 1 January 1985 - 31 May 2023 (~38 years)
Swipe left to see all data
Metrics as of May 31, 2023
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~38Y)
Portfolio Return (%) -2.49 -1.22 -0.53 -3.56 4.71 2.64 4.46 6.69 6.95 8.87
US Inflation (%) 0.00 0.84 1.90 3.79 5.77 3.81 2.68 2.55 2.51 2.79
Infl. Adjusted Return (%) -2.49 -2.04 -2.38 -7.08 -1.00 -1.13 1.73 4.04 4.33 5.92
Waiting for updates, inflation of May 2023 is temporarily set to 0%. Returns / Inflation rates over 1 year are annualized.
RISK INDICATORS
Standard Deviation (%) 14.33 10.92 11.24 9.04 9.76 9.20 9.51
Sharpe Ratio -0.47 0.34 0.12 0.41 0.57 0.52 0.51
Sortino Ratio -0.68 0.47 0.15 0.54 0.73 0.67 0.67
MAXIMUM DRAWDOWN
Drawdown Depth (%) -11.59 -18.44 -18.44 -18.44 -34.23 -34.23 -34.23
Start (yyyy mm) 2022 06 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Bottom (yyyy mm) 2022 09 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Start to Bottom (# months) 4 9 9 9 16 16 16
Start to Recovery (# months) in progress
8
> 17
> 17
> 17
36
36
36
ROLLING PERIOD RETURNS - Annualized
Best Return (%) 39.73 21.21 20.13 14.24 12.13 10.29
Worst Return (%) -29.49 -6.63 0.71 4.42 6.20 6.95
% Positive Periods 84% 97% 100% 100% 100% 100%
MONTHS
Positive 0 2 3 6 21 35 77 159 233 307
Negative 1 1 3 6 15 25 43 81 127 154
% Positive 0% 67% 50% 50% 58% 58% 64% 66% 65% 67%
WITHDRAWAL RATES (WR)
Safe WR (%) 37.00 20.67 12.15 8.98 7.00 10.22
Perpetual WR (%) 0.00 0.00 1.70 3.88 4.15 5.59
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 May 2023
Swipe left to see all data
Asset
DLS
IJR
EEM
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.74
0.86
0.74
0.80
0.97
0.96
0.92
0.82
0.78
0.71
0.84
IJR
0.74
-
0.50
0.99
0.88
0.79
0.76
0.88
0.89
0.46
0.36
0.73
EEM
0.86
0.50
-
0.50
0.58
0.85
0.81
0.76
0.64
0.79
0.74
0.67
IJS
0.74
0.99
0.50
-
0.89
0.79
0.78
0.87
0.86
0.43
0.34
0.69
VTV
0.80
0.88
0.58
0.89
-
0.87
0.87
0.82
0.89
0.54
0.50
0.77
VEA
0.97
0.79
0.85
0.79
0.87
-
0.97
0.92
0.89
0.80
0.74
0.86
EFV
0.96
0.76
0.81
0.78
0.87
0.97
-
0.86
0.80
0.68
0.64
0.76
VNQ
0.92
0.88
0.76
0.87
0.82
0.92
0.86
-
0.91
0.77
0.66
0.88
VV
0.82
0.89
0.64
0.86
0.89
0.89
0.80
0.91
-
0.72
0.66
0.91
IEI
0.78
0.46
0.79
0.43
0.54
0.80
0.68
0.77
0.72
-
0.96
0.87
SHY
0.71
0.36
0.74
0.34
0.50
0.74
0.64
0.66
0.66
0.96
-
0.83
TIP
0.84
0.73
0.67
0.69
0.77
0.86
0.76
0.88
0.91
0.87
0.83
-
Asset
DLS
IJR
EEM
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.86
0.84
0.85
0.88
0.96
0.93
0.80
0.86
0.07
0.04
0.50
IJR
0.86
-
0.73
0.99
0.91
0.87
0.83
0.79
0.89
-0.06
-0.09
0.44
EEM
0.84
0.73
-
0.72
0.70
0.85
0.81
0.64
0.71
0.19
0.18
0.44
IJS
0.85
0.99
0.72
-
0.90
0.85
0.85
0.76
0.85
-0.12
-0.12
0.38
VTV
0.88
0.91
0.70
0.90
-
0.90
0.89
0.81
0.92
-0.06
-0.06
0.43
VEA
0.96
0.87
0.85
0.85
0.90
-
0.96
0.80
0.90
0.17
0.14
0.56
EFV
0.93
0.83
0.81
0.85
0.89
0.96
-
0.72
0.80
0.02
0.01
0.39
VNQ
0.80
0.79
0.64
0.76
0.81
0.80
0.72
-
0.84
0.17
0.08
0.64
VV
0.86
0.89
0.71
0.85
0.92
0.90
0.80
0.84
-
0.12
0.08
0.60
IEI
0.07
-0.06
0.19
-0.12
-0.06
0.17
0.02
0.17
0.12
-
0.95
0.71
SHY
0.04
-0.09
0.18
-0.12
-0.06
0.14
0.01
0.08
0.08
0.95
-
0.61
TIP
0.50
0.44
0.44
0.38
0.43
0.56
0.39
0.64
0.60
0.71
0.61
-
Asset
DLS
IJR
EEM
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.77
0.81
0.77
0.82
0.95
0.92
0.64
0.82
0.02
0.00
0.42
IJR
0.77
-
0.62
0.99
0.88
0.78
0.75
0.67
0.86
-0.12
-0.12
0.31
EEM
0.81
0.62
-
0.62
0.66
0.83
0.79
0.52
0.69
0.14
0.15
0.43
IJS
0.77
0.99
0.62
-
0.88
0.77
0.76
0.65
0.82
-0.16
-0.15
0.27
VTV
0.82
0.88
0.66
0.88
-
0.86
0.85
0.68
0.93
-0.13
-0.11
0.32
VEA
0.95
0.78
0.83
0.77
0.86
-
0.96
0.66
0.88
0.10
0.09
0.47
EFV
0.92
0.75
0.79
0.76
0.85
0.96
-
0.57
0.79
-0.04
-0.03
0.33
VNQ
0.64
0.67
0.52
0.65
0.68
0.66
0.57
-
0.72
0.26
0.14
0.62
VV
0.82
0.86
0.69
0.82
0.93
0.88
0.79
0.72
-
0.03
0.02
0.46
IEI
0.02
-0.12
0.14
-0.16
-0.13
0.10
-0.04
0.26
0.03
-
0.93
0.73
SHY
0.00
-0.12
0.15
-0.15
-0.11
0.09
-0.03
0.14
0.02
0.93
-
0.62
TIP
0.42
0.31
0.43
0.27
0.32
0.47
0.33
0.62
0.46
0.73
0.62
-
Asset
DLS
IJR
EEM
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.70
0.76
0.72
0.72
0.89
0.91
0.60
0.72
-0.10
-0.12
0.25
IJR
0.70
-
0.69
0.96
0.80
0.75
0.72
0.64
0.82
-0.20
-0.19
0.11
EEM
0.76
0.69
-
0.67
0.70
0.80
0.77
0.51
0.72
-0.10
-0.09
0.20
IJS
0.72
0.96
0.67
-
0.85
0.74
0.75
0.68
0.82
-0.19
-0.17
0.12
VTV
0.72
0.80
0.70
0.85
-
0.82
0.81
0.64
0.95
-0.15
-0.15
0.16
VEA
0.89
0.75
0.80
0.74
0.82
-
0.96
0.60
0.83
-0.13
-0.13
0.20
EFV
0.91
0.72
0.77
0.75
0.81
0.96
-
0.61
0.78
-0.14
-0.13
0.17
VNQ
0.60
0.64
0.51
0.68
0.64
0.60
0.61
-
0.61
0.03
-0.02
0.32
VV
0.72
0.82
0.72
0.82
0.95
0.83
0.78
0.61
-
-0.11
-0.12
0.21
IEI
-0.10
-0.20
-0.10
-0.19
-0.15
-0.13
-0.14
0.03
-0.11
-
0.90
0.76
SHY
-0.12
-0.19
-0.09
-0.17
-0.15
-0.13
-0.13
-0.02
-0.12
0.90
-
0.62
TIP
0.25
0.11
0.20
0.12
0.16
0.20
0.17
0.32
0.21
0.76
0.62
-
Asset
DLS
IJR
EEM
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.74
0.69
0.75
0.77
0.79
0.92
0.60
0.77
0.00
-0.02
0.26
IJR
0.74
-
0.66
0.96
0.81
0.65
0.74
0.65
0.83
-0.12
-0.12
0.12
EEM
0.69
0.66
-
0.64
0.68
0.66
0.71
0.48
0.69
0.02
0.02
0.21
IJS
0.75
0.96
0.64
-
0.86
0.65
0.76
0.69
0.83
-0.11
-0.11
0.13
VTV
0.77
0.81
0.68
0.86
-
0.71
0.83
0.63
0.95
-0.03
-0.03
0.21
VEA
0.79
0.65
0.66
0.65
0.71
-
0.85
0.53
0.72
-0.01
-0.01
0.21
EFV
0.92
0.74
0.71
0.76
0.83
0.85
-
0.60
0.81
-0.02
-0.02
0.21
VNQ
0.60
0.65
0.48
0.69
0.63
0.53
0.60
-
0.60
0.06
0.01
0.29
VV
0.77
0.83
0.69
0.83
0.95
0.72
0.81
0.60
-
0.00
-0.02
0.24
IEI
0.00
-0.12
0.02
-0.11
-0.03
-0.01
-0.02
0.06
0.00
-
0.91
0.83
SHY
-0.02
-0.12
0.02
-0.11
-0.03
-0.01
-0.02
0.01
-0.02
0.91
-
0.71
TIP
0.26
0.12
0.21
0.13
0.21
0.21
0.21
0.29
0.24
0.83
0.71
-

If you want to learn more about historical correlations, you can find out here how the main asset class are correlated to each other.

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Capital Growth as of May 31, 2023

An investment of 1000$, since June 1993, now would be worth 7507.80$, with a total return of 650.78% (6.95% annualized).

The Inflation Adjusted Capital now would be 3568.75$, with a net total return of 256.87% (4.33% annualized).
An investment of 1000$, since January 1985, now would be worth 26217.33$, with a total return of 2521.73% (8.87% annualized).

The Inflation Adjusted Capital now would be 9100.27$, with a net total return of 810.03% (5.92% annualized).

Drawdowns

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.

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Drawdown periods
Updated to May 2023
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-34.23% Nov 2007 Feb 2009 16 Oct 2010 20 36
-18.44% Jan 2022 Sep 2022 9 in progress 8 17
-15.07% Jan 2020 Mar 2020 3 Nov 2020 8 11
-11.43% May 2011 Sep 2011 5 Mar 2012 6 11
-10.85% May 1998 Aug 1998 4 Apr 1999 8 12
-8.84% Jun 2002 Sep 2002 4 May 2003 8 12
-8.59% Feb 2018 Dec 2018 11 Apr 2019 4 15
-7.07% Feb 2001 Sep 2001 8 Mar 2002 6 14
-6.96% May 2015 Feb 2016 10 Jul 2016 5 15
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16
-5.29% Apr 2012 May 2012 2 Sep 2012 4 6
-4.14% Apr 2004 Apr 2004 1 Sep 2004 5 6
-3.64% Sep 2000 Nov 2000 3 Dec 2000 1 4
-3.32% Sep 2014 Sep 2014 1 Feb 2015 5 6
-3.25% May 2019 May 2019 1 Jun 2019 1 2
-3.12% Oct 1997 Nov 1997 2 Feb 1998 3 5
-3.12% May 2013 Jun 2013 2 Jul 2013 1 3
-2.97% Aug 1997 Aug 1997 1 Sep 1997 1 2
-2.84% May 2006 May 2006 1 Aug 2006 3 4
-2.67% 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
-34.23% Nov 2007 Feb 2009 16 Oct 2010 20 36
-18.44% Jan 2022 Sep 2022 9 in progress 8 17
-16.12% Sep 1987 Nov 1987 3 Oct 1988 11 14
-15.07% Jan 2020 Mar 2020 3 Nov 2020 8 11
-11.54% Jan 1990 Sep 1990 9 Feb 1991 5 14
-11.43% May 2011 Sep 2011 5 Mar 2012 6 11
-10.85% May 1998 Aug 1998 4 Apr 1999 8 12
-8.84% Jun 2002 Sep 2002 4 May 2003 8 12
-8.59% Feb 2018 Dec 2018 11 Apr 2019 4 15
-7.07% Feb 2001 Sep 2001 8 Mar 2002 6 14
-6.96% May 2015 Feb 2016 10 Jul 2016 5 15
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16
-5.29% Apr 2012 May 2012 2 Sep 2012 4 6
-4.14% Apr 2004 Apr 2004 1 Sep 2004 5 6
-3.78% Sep 1986 Sep 1986 1 Nov 1986 2 3
-3.64% Sep 2000 Nov 2000 3 Dec 2000 1 4
-3.56% Jun 1991 Jun 1991 1 Aug 1991 2 3
-3.32% Sep 2014 Sep 2014 1 Feb 2015 5 6
-3.25% May 2019 May 2019 1 Jun 2019 1 2
-3.12% Oct 1997 Nov 1997 2 Feb 1998 3 5

Rolling Returns ( more details)

A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Annualized Rolling Returns
Data Source: from January 1985 to May 2023
Swipe left to see all data
Rolling
Period		 Annualized Return (%) Negative
Periods
Average Latest Best Worst
1 Year
 9.26 -3.56 39.73
Apr 1985 - Mar 1986 		-29.49
Mar 2008 - Feb 2009 		16.44%
2 Years
 8.87 -4.79 31.68
Mar 1985 - Feb 1987 		-15.21
Mar 2007 - Feb 2009 		7.08%
3 Years
 8.62 4.71 21.21
Mar 1985 - Feb 1988 		-6.63
Mar 2006 - Feb 2009 		2.82%
5 Years
 8.46 2.64 20.13
Jan 1985 - Dec 1989 		0.71
Mar 2004 - Feb 2009 		0.00%
7 Years
 8.44 4.45 16.76
Jan 1985 - Dec 1991 		3.38
Apr 2013 - Mar 2020 		0.00%
10 Years
 8.38 4.46 14.24
Jan 1985 - Dec 1994 		4.42
Oct 2012 - Sep 2022 		0.00%
15 Years
 8.24 4.56 13.03
Jan 1985 - Dec 1999 		3.89
Oct 2007 - Sep 2022 		0.00%
20 Years
 8.43 6.69 12.13
Jan 1985 - Dec 2004 		6.20
Apr 2000 - Mar 2020 		0.00%
30 Years
 8.38 6.95 10.29
Jan 1985 - Dec 2014 		6.95
Jun 1993 - May 2023 		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 FundAdvice Ultimate Buy&Hold Portfolio: Rolling Returns page.

Previous vs subsequent Returns

Considering all 10-year rolling periods, is there a relationship between past and future returns, at a given date?

In the following chart, we show how past returns (x-axis) and subsequent returns (y-axis) are related.

Neighboring data is aggregated and occurrences are indicated. It is possible to zoom by clicking or drawing the desired area

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Previous vs Next Returns - 10 Years annualized
Updated to May 2023

The annualized return of the last 10 years has been 4.46% (updated at May 31, 2023).

Seasonality

In which months is it better to invest in FundAdvice Ultimate Buy&Hold 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
1.56
60%
-0.90
40%
-1.38
60%
1.11
80%
-0.21
60%
-0.08
40%
1.54
80%
-0.02
60%
-1.96
20%
0.43
60%
2.65
80%
0.52
60%
 Capital Growth on monthly avg returns
100
101.56
100.64
99.25
100.35
100.14
100.06
101.60
101.58
99.59
100.02
102.67
103.20
Best 5.7
2023 		2.4
2021 		2.2
2021 		5.2
2020 		2.3
2020 		3.6
2019 		4.1
2022 		2.6
2020 		1.9
2019 		3.8
2022 		7.4
2020 		3.4
2020
Worst -2.7
2022 		-4.4
2020 		-9.9
2020 		-4.3
2022 		-3.3
2019 		-5.2
2022 		-0.4
2019 		-3.5
2022 		-7.2
2022 		-4.8
2018 		-2.3
2021 		-4.2
2018
Monthly Seasonality over the period Jun 2018 - May 2023
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
0.73
60%
-0.08
50%
-0.05
70%
0.89
90%
0.19
70%
-0.14
50%
1.46
80%
-0.41
50%
-0.78
40%
0.96
70%
1.60
80%
0.41
60%
 Capital Growth on monthly avg returns
100
100.73
100.65
100.60
101.50
101.69
101.55
103.03
102.61
101.81
102.78
104.42
104.86
Best 5.7
2023 		3.0
2014 		5.2
2016 		5.2
2020 		2.3
2020 		3.6
2019 		4.1
2022 		2.6
2020 		4.3
2013 		3.8
2022 		7.4
2020 		3.4
2020
Worst -2.7
2022 		-4.4
2020 		-9.9
2020 		-4.3
2022 		-3.3
2019 		-5.2
2022 		-1.3
2014 		-3.8
2015 		-7.2
2022 		-4.8
2018 		-2.3
2021 		-4.2
2018
Monthly Seasonality over the period Jun 2013 - May 2023
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
1.09
64%
0.58
62%
0.78
74%
1.26
82%
0.79
67%
0.37
58%
0.98
63%
0.15
63%
-0.20
55%
0.45
66%
0.96
66%
1.76
79%
 Capital Growth on monthly avg returns
100
101.09
101.68
102.47
103.76
104.58
104.96
105.99
106.15
105.94
106.42
107.44
109.33
Best 7.8
1987 		6.2
1986 		5.9
2009 		8.0
2009 		5.6
1985 		4.3
1988 		6.0
2009 		5.4
1986 		5.7
2010 		6.3
2011 		7.4
2020 		8.9
1991
Worst -7.7
2009 		-7.1
2009 		-9.9
2020 		-4.3
2022 		-5.4
2010 		-5.3
2008 		-4.6
2002 		-7.9
1998 		-7.2
2022 		-12.6
1987 		-3.6
2008 		-4.2
2018
Monthly Seasonality over the period Jan 1985 - May 2023

Monthly/Yearly Returns

FundAdvice Ultimate Buy&Hold 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 - May 2023
307 Positive Months (67%) - 154 Negative Months (33%)
MONTHLY RETURNS TABLE
Jan 1985 - May 2023
(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
2023
 +1.68 -0.52 5.7 -2.7 0.7 0.6 -2.5
2022
 -12.51 -17.81 -2.7 -1.1 -0.4 -4.3 0.7 -5.2 4.1 -3.5 -7.2 3.8 5.7 -2.2
2021
 +11.49 +4.16 0.6 2.4 2.2 2.2 1.7 -0.1 0.2 1.2 -2.4 2.2 -2.3 3.2
2020
 +5.84 +4.42 -1.4 -4.4 -9.9 5.2 2.3 1.6 2.3 2.6 -1.5 -0.9 7.4 3.4
2019
 +16.24 +13.64 5.6 1.3 0.5 1.8 -3.3 3.6 -0.4 -0.9 1.9 1.9 1.1 2.3
2018
 -6.85 -8.60 1.9 -3.1 0.2 0.1 0.7 -0.3 1.4 0.5 -0.6 -4.8 1.4 -4.2
2017
 +13.54 +11.19 1.5 1.4 0.7 1.2 0.8 0.8 1.8 0.1 1.7 0.8 1.0 1.0
2016
 +8.37 +6.17 -2.6 -0.2 5.2 0.6 0.2 0.5 2.9 0.0 0.8 -1.7 0.9 1.6
2015
 -0.60 -1.32 0.3 2.6 -0.1 1.1 0.0 -1.5 0.3 -3.8 -1.5 3.6 0.0 -1.3
2014
 +3.11 +2.34 -1.5 3.0 0.4 0.4 1.3 1.1 -1.3 1.6 -3.3 2.0 0.2 -0.6
2013
 +13.47 +11.79 2.5 0.3 1.5 2.1 -1.3 -1.9 3.2 -1.8 4.3 2.6 0.7 0.8
2012
 +12.20 +10.28 4.3 1.9 0.8 -0.4 -4.9 2.9 0.4 1.7 1.7 -0.2 1.0 2.6
2011
 -0.58 -3.44 0.9 1.9 0.2 3.0 -0.8 -1.0 -0.5 -3.7 -5.9 6.3 -0.7 0.1
2010
 +12.72 +11.06 -1.8 1.4 4.1 1.7 -5.4 -1.8 5.3 -2.0 5.7 2.7 -1.5 4.4
2009
 +19.90 +16.72 -7.7 -7.1 5.9 8.0 5.3 -0.4 6.0 3.5 3.7 -2.1 3.4 1.3
2008
 -20.06 -20.14 -2.3 -0.4 0.6 2.0 0.7 -5.3 -0.5 0.2 -5.0 -12.0 -3.6 4.7
2007
 +6.31 +2.14 1.3 0.1 1.4 2.2 1.5 -1.0 -1.4 0.8 2.6 2.9 -2.6 -1.5
2006
 +16.25 +13.37 4.2 -0.1 1.9 1.5 -2.8 0.2 0.7 2.0 0.9 3.1 2.6 1.1
2005
 +9.65 +6.02 -0.9 2.2 -1.6 -0.6 1.6 1.7 2.4 1.0 1.3 -2.1 2.3 2.1
2004
 +16.13 +12.46 2.2 2.0 1.4 -4.1 0.9 2.2 -1.7 1.7 1.8 2.0 4.1 2.9
2003
 +28.61 +26.24 -1.4 -0.3 -0.5 5.2 5.6 1.9 1.4 2.5 1.9 4.0 1.3 4.0
2002
 -0.14 -2.45 -0.3 1.0 2.8 1.5 1.0 -1.8 -4.6 1.1 -3.7 0.9 2.3 -0.1
2001
 +0.49 -1.04 2.9 -2.3 -2.8 3.7 0.6 -0.2 -0.4 -0.1 -5.6 2.1 1.9 1.0
2000
 +4.94 +1.51 -2.3 1.1 2.8 -1.8 -0.6 3.5 -0.3 2.3 -1.1 -1.2 -1.3 4.2
1999
 +11.76 +8.84 0.0 -2.7 2.7 5.4 -1.2 3.0 -0.3 -0.6 -0.4 0.8 1.1 3.5
1998
 +6.47 +4.78 1.3 4.3 2.4 0.0 -1.3 -0.3 -1.6 -7.9 2.5 3.6 2.7 1.3
1997
 +8.09 +6.28 0.6 0.4 -1.7 0.8 4.4 2.9 2.7 -3.0 3.4 -2.7 -0.4 0.7
1996
 +9.91 +6.38 1.7 -0.2 0.6 1.7 0.8 0.1 -2.7 1.2 2.2 1.0 3.4 -0.1
1995
 +17.23 +14.32 -0.3 1.5 2.0 2.0 2.7 0.8 2.3 0.1 1.2 -1.1 2.3 2.7
1994
 -2.80 -5.33 3.3 -2.4 -4.1 0.7 0.1 -1.3 2.1 2.6 -2.0 0.5 -3.0 0.9
1993
 +22.68 +19.39 3.1 1.9 3.4 0.3 0.9 1.6 1.5 3.7 0.7 2.1 -2.4 3.9
1992
 +7.34 +4.31 0.9 0.5 -1.8 0.8 2.9 -1.7 2.2 -0.5 0.8 -0.5 1.9 1.8
1991
 +25.36 +21.63 3.4 4.9 1.4 0.7 2.8 -3.6 2.5 2.6 0.8 1.8 -2.9 8.9
1990
 -5.66 -11.09 -4.5 0.0 0.2 -2.2 5.5 0.4 0.8 -7.2 -4.4 1.4 3.3 1.8
1989
 +22.18 +16.75 4.0 -0.5 0.5 3.6 3.0 0.4 4.9 1.1 1.1 -1.4 1.6 2.1
1988
 +17.37 +12.40 5.1 3.8 -0.8 0.9 -0.4 4.3 -0.3 -1.7 2.9 1.9 -0.7 1.4
1987
 +4.64 +0.19 7.8 3.0 0.6 -0.6 -0.1 2.7 3.1 2.3 -1.6 -12.6 -2.5 3.9
1986
 +26.02 +24.66 1.6 6.2 5.7 0.8 1.9 3.2 -1.6 5.4 -3.8 2.8 2.1 -0.5
1985
 +32.30 +27.46 5.9 0.8 1.2 1.3 5.6 1.8 0.4 0.6 -1.3 3.5 4.8 4.0

Portofolio Returns, up to December 2007, 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:

  • DLS - WisdomTree International SmallCp Div: simulated historical serie, up to December 2006
  • IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
  • EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
  • IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
  • VTV - Vanguard Value: simulated historical serie, up to December 2004
  • VEA - Vanguard FTSE Developed Markets: simulated historical serie, up to December 2007
  • EFV - iShares MSCI EAFE Value: simulated historical serie, up to December 2005
  • VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
  • VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
  • IEI - iShares 3-7 Year Treasury Bond: simulated historical serie, up to December 2007
  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • TIP - iShares TIPS Bond: simulated historical serie, up to December 2003

Portfolio efficiency

Compared to the FundAdvice Ultimate Buy&Hold 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 Author Return▾ Dev.Std Drawdown Stocks Bonds Comm
Stocks/Bonds 60/40 Momentum +9.28 9.43 -32.52 60 40 0
Stocks/Bonds 60/40 +7.93 9.46 -30.55 60 40 0
Couch Potato Scott Burns +7.88 8.66 -27.04 50 50 0
Stocks/Bonds 40/60 Momentum +7.77 6.87 -21.11 40 60 0
Golden Butterfly Tyler +7.52 7.52 -17.79 40 40 20
Coffeehouse Bill Schultheis +7.42 9.53 -33.93 60 40 0
Robo Advisor 50 Betterment +7.29 9.24 -30.72 49.9 50.1 0
Sheltered Sam 60/40 Bill Bernstein +7.25 9.15 -34.12 58.2 40 1.8
Dimensional 2030 Retirement Income DFA +7.25 9.17 -31.78 55.9 44.1 0
Marc Faber Portfolio Marc Faber +7.20 9.54 -28.82 50 25 25
All Weather Portfolio Ray Dalio +7.19 7.21 -20.19 30 55 15
Edge Select Moderate Merrill Lynch +7.18 8.84 -29.58 53 47 0
Simple Money Portfolio Tim Maurer +7.08 9.00 -32.39 60 40 0
Sandwich Portfolio Bob Clyatt +7.08 8.23 -28.96 55 45 0
Global Market Portfolio Credit Suisse +6.96 8.14 -25.90 45 55 0
Ultimate Buy&Hold FundAdvice +6.95 9.20 -34.23 60 40 0

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

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Author Return▾ Dev.Std Drawdown Stocks Bonds Comm
Stocks/Bonds 60/40 Momentum +9.28 9.43 -32.52 60 40 0
Simple Path to Wealth JL Collins +8.66 11.60 -38.53 75 25 0
Late Sixties and Beyond Burton Malkiel +8.19 11.57 -41.80 71 29 0
Yale Endowment David Swensen +8.06 10.83 -39.48 70 30 0
Talmud Portfolio Roger Gibson +8.00 10.64 -40.17 66.7 33.3 0