FundAdvice Ultimate Buy&Hold Portfolio: ETF allocation and returns

Data Source: from January 1985 to November 2023 (~39 years)
Consolidated Returns as of 30 November 2023
Live Update: Dec 08 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.03%
1 Day
Dec 08 2023
1.08%
Current Month
December 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 6.82% compound annual return, with a 9.29% standard deviation.

Table of contents

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 Currency ETF Name Investment Themes
12.00
DLS
USD WisdomTree International SmallCp Div Equity, Developed Markets, Small Cap, Value
6.00
EEM
USD iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
6.00
IJR
USD iShares Core S&P Small-Cap Equity, U.S., Small Cap
6.00
IJS
USD iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
6.00
VTV
USD Vanguard Value Equity, U.S., Large Cap, Value
6.00
VEA
USD Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
6.00
EFV
USD iShares MSCI EAFE Value Equity, EAFE, Large Cap, Value
6.00
VNQ
USD Vanguard Real Estate Real Estate, U.S.
6.00
VV
USD Vanguard Large-Cap Equity, U.S., Large Cap
20.00
IEI
USD iShares 3-7 Year Treasury Bond Bond, U.S., Intermediate-Term
12.00
SHY
USD iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
8.00
TIP
USD 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 Nov 30, 2023

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

Returns are calculated in USD, assuming: December 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 30 November 2023
Live Update: Dec 08 2023
Swipe left to see all data
  Chg (%) Return (%) Return (%) as of Nov 30, 2023
  1 Day Time ET(*) Dec 2023 1M 6M 1Y 5Y 10Y 30Y MAX
(~39Y)
FundAdvice Ultimate Buy&Hold Portfolio -0.03 1.08 5.94 3.50 2.96 3.88 4.10 6.82 8.85
US Inflation Adjusted return 5.94 2.31 -0.38 -0.18 1.25 4.19 5.89
Components
DLS
USD WisdomTree International SmallCp Div -0.07 Dec 08 2023 1.41 7.79 3.59 5.64 1.97 3.06 6.19 9.28
EEM
USD iShares MSCI Emerging Markets -0.43 Dec 08 2023 -1.39 7.79 4.40 2.42 1.46 1.42 4.65 8.63
IJR
USD iShares Core S&P Small-Cap 0.63 Dec 08 2023 4.27 8.27 5.00 -3.96 5.56 7.47 9.65 10.69
IJS
USD iShares S&P Small-Cap 600 Value 0.59 Dec 08 2023 4.75 9.07 4.59 -5.38 5.50 6.78 10.07 11.60
VTV
USD Vanguard Value 0.40 Dec 08 2023 0.63 6.68 7.69 0.61 8.52 9.41 9.12 10.72
VEA
USD Vanguard FTSE Developed Markets 0.24 Dec 08 2023 0.72 8.81 4.66 9.27 6.03 4.14 5.23 7.81
EFV
USD iShares MSCI EAFE Value 0.14 Dec 08 2023 1.19 6.94 9.04 12.93 4.80 2.65 5.54 8.82
VNQ
USD Vanguard Real Estate -0.17 Dec 08 2023 2.34 12.08 4.30 -2.99 3.66 6.41 8.34 9.08
VV
USD Vanguard Large-Cap 0.43 Dec 08 2023 0.78 9.48 10.62 14.57 12.47 11.69 10.07 11.31
IEI
USD iShares 3-7 Year Treasury Bond -0.49 Dec 08 2023 0.28 2.70 -0.34 1.33 0.67 0.89 4.10 5.72
SHY
USD iShares 1-3 Year Treasury Bond -0.22 Dec 08 2023 0.09 1.05 1.53 2.96 1.04 0.77 3.00 4.33
TIP
USD iShares TIPS Bond -0.12 Dec 08 2023 0.53 2.77 -1.03 -0.52 2.25 1.70 4.90 6.69
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Oct 2023. Waiting for updates, inflation of Nov 2023 is set to 0%. Current inflation (annualized) is 1Y: 3.35% , 5Y: 4.07% , 10Y: 2.82% , 30Y: 2.52%

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.

Capital Growth as of Nov 30, 2023

An investment of 1$, since December 1993, now would be worth 7.23$, with a total return of 623.39% (6.82% annualized).

The Inflation Adjusted Capital now would be 3.43$, with a net total return of 242.80% (4.19% annualized).
An investment of 1$, since January 1985, now would be worth 27.14$, with a total return of 2613.54% (8.85% annualized).

The Inflation Adjusted Capital now would be 9.29$, with a net total return of 828.71% (5.89% annualized).

Portfolio Metrics as of Nov 30, 2023

Metrics of FundAdvice Ultimate Buy&Hold Portfolio, updated as of 30 November 2023.

Metrics are calculated based on monthly returns, assuming:
FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Advanced Metrics
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
Swipe left to see all data
Metrics as of Nov 30, 2023
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~39Y)
Investment Return (%) 5.94 0.19 3.50 2.96 2.02 3.88 4.10 6.18 6.82 8.85
Infl. Adjusted Return (%) details 5.94 -0.02 2.31 -0.38 -3.51 -0.18 1.25 3.50 4.19 5.89
US Inflation (%) 0.00 0.21 1.17 3.35 5.74 4.07 2.82 2.59 2.52 2.79
Waiting for updates, inflation of Nov 2023 is temporarily set to 0%. Returns / Inflation rates over 1 year are annualized.
DRAWDOWN
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Deepest Drawdown Depth (%) -7.58 -18.44 -18.44 -18.44 -34.23 -34.23 -34.23
Start to Recovery (# months) details 4* 23* 23* 23* 36 36 36
Start (yyyy mm) 2023 08 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Start to Bottom (# months) 3 9 9 9 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 1 14 14 14 20 20 20
End (yyyy mm) - - - - 2010 10 2010 10 2010 10
Longest Drawdown Depth (%) -3.84
same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest
Start to Recovery (# months) details 6
Start (yyyy mm) 2023 02 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Start to Bottom (# months) 4 9 9 9 16 16 16
Bottom (yyyy mm) 2023 05 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 2 14 14 14 20 20 20
End (yyyy mm) 2023 07 - - - 2010 10 2010 10 2010 10
Longest negative period (# months) details 11 34 35 35 52 52 52
Period Start (yyyy mm) 2022 12 2021 01 2019 11 2017 05 2004 11 2004 11 2004 11
Period End (yyyy mm) 2023 10 2023 10 2022 09 2020 03 2009 02 2009 02 2009 02
Annualized Return (%) -3.07 -1.10 -0.16 -0.14 -0.11 -0.11 -0.11
Drawdowns / Negative periods marked with * are in progress
Deepest Drawdown Depth (%) -8.65 -24.63 -24.63 -24.63 -35.24 -35.24 -35.24
Start to Recovery (# months) details 10* 30* 30* 30* 40 40 40
Start (yyyy mm) 2023 02 2021 06 2021 06 2021 06 2007 11 2007 11 2007 11
Start to Bottom (# months) 9 16 16 16 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 1 14 14 14 24 24 24
End (yyyy mm) - - - - 2011 02 2011 02 2011 02
Longest Drawdown Depth (%)
same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest
Start to Recovery (# months) details
Start (yyyy mm) 2023 02 2021 06 2021 06 2021 06 2007 11 2007 11 2007 11
Start to Bottom (# months) 9 16 16 16 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 1 14 14 14 24 24 24
End (yyyy mm) - - - - 2011 02 2011 02 2011 02
Longest negative period (# months) details 12* 36* 60* 91 91 91 91
Period Start (yyyy mm) 2022 12 2020 12 2018 12 2015 03 2015 03 2015 03 2015 03
Period End (yyyy mm) 2023 11 2023 11 2023 11 2022 09 2022 09 2022 09 2022 09
Annualized Return (%) -0.38 -3.51 -0.18 -0.27 -0.27 -0.27 -0.27
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
1Y 3Y 5Y 10Y 20Y 30Y MAX
Standard Deviation (%) 11.07 10.99 11.59 9.21 9.88 9.29 9.54
Sharpe Ratio -0.17 0.01 0.19 0.33 0.50 0.49 0.51
Sortino Ratio -0.28 0.01 0.25 0.44 0.65 0.64 0.67
Ulcer Index 3.14 8.02 6.98 5.29 7.07 6.09 5.61
Ratio: Return / Standard Deviation 0.27 0.18 0.33 0.45 0.63 0.73 0.93
Ratio: Return / Deepest Drawdown 0.39 0.11 0.21 0.22 0.18 0.20 0.26
% Positive Months details 50% 55% 58% 63% 65% 64% 66%
Positive Months 6 20 35 76 156 231 310
Negative Months 6 16 25 44 84 129 157
LONG TERM RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Best 10 Years Return (%) - Annualized 4.10 9.62 10.48 14.24
Worst 10 Years Return (%) - Annualized 3.57 3.57 3.57
Best 10 Years Return (%) - Annualized 1.25 7.72 7.72 10.29
Worst 10 Years Return (%) - Annualized 0.75 0.75 0.75
ROLLING PERIOD RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Over the latest 30Y
Best Rolling Return (%) - Annualized 39.16 21.10 16.61 10.48 8.50 6.82
Worst Rolling Return (%) - Annualized -29.49 -6.63 0.71 3.57 5.95
% Positive Periods 80% 96% 100% 100% 100% 100%
Best Rolling Return (%) - Annualized 36.47 17.86 13.35 7.72 6.08 4.19
Worst Rolling Return (%) - Annualized -29.66 -8.66 -2.27 0.75 3.29
% Positive Periods 72% 84% 92% 100% 100% 100%
Over all the available data source (Jan 1985 - Nov 2023)
Best Rolling Return (%) - Annualized 39.73 21.21 20.13 14.24 12.13 10.29
Worst Rolling Return (%) - Annualized -29.49 -6.63 0.71 3.57 5.95 6.53
% Positive Periods 83% 97% 100% 100% 100% 100%
Best Rolling Return (%) - Annualized 37.56 17.86 15.88 10.29 8.86 7.38
Worst Rolling Return (%) - Annualized -29.66 -8.66 -2.27 0.75 3.29 3.91
% Positive Periods 75% 88% 94% 100% 100% 100%
WITHDRAWAL RATES (WR)
1Y 3Y 5Y 10Y 20Y 30Y MAX
Safe WR (%) 33.07 21.21 11.34 7.89 6.51 10.22
Perpetual WR (%) 0.00 0.00 1.23 3.38 4.02 5.57
Terms and Definitions
  • Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
  • Deepest/Longest Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. The deepest (or maximum) drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The longest drawdown is the period observed from a peak to the subsequent peak with the greatest duration.
  • Longest negative period: it's the maximum period for which an overall negative return has been observed
  • 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)
  • Ulcer Index: it's a measure of downside risk that quantifies the depth and duration of drawdowns in an investment portfolio
  • Best/Worst 10Y returns: the best and the worst 10-year return over a time frame
  • Rolling Returns: N-year returns over a time frame, calculated over all the available data source (best, worst, % of positive returns). Each rolling period, longer than the longest negative period, yielded a non-negative minimum 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).
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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 30 November 2023
Swipe left to see all data
Asset
DLS
EEM
IJR
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.88
0.83
0.87
0.88
0.97
0.97
0.93
0.80
0.64
0.43
0.75
EEM
0.88
-
0.79
0.81
0.83
0.93
0.87
0.87
0.85
0.70
0.54
0.77
IJR
0.83
0.79
-
0.99
0.85
0.82
0.82
0.90
0.85
0.31
0.06
0.49
IJS
0.87
0.81
0.99
-
0.85
0.85
0.86
0.91
0.83
0.33
0.08
0.51
VTV
0.88
0.83
0.85
0.85
-
0.90
0.90
0.90
0.88
0.50
0.31
0.65
VEA
0.97
0.93
0.82
0.85
0.90
-
0.94
0.95
0.90
0.72
0.51
0.84
EFV
0.97
0.87
0.82
0.86
0.90
0.94
-
0.88
0.76
0.53
0.33
0.65
VNQ
0.93
0.87
0.90
0.91
0.90
0.95
0.88
-
0.91
0.63
0.40
0.74
VV
0.80
0.85
0.85
0.83
0.88
0.90
0.76
0.91
-
0.64
0.42
0.78
IEI
0.64
0.70
0.31
0.33
0.50
0.72
0.53
0.63
0.64
-
0.94
0.93
SHY
0.43
0.54
0.06
0.08
0.31
0.51
0.33
0.40
0.42
0.94
-
0.83
TIP
0.75
0.77
0.49
0.51
0.65
0.84
0.65
0.74
0.78
0.93
0.83
-
Asset
DLS
EEM
IJR
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.85
0.87
0.86
0.89
0.96
0.93
0.83
0.87
0.12
0.07
0.52
EEM
0.85
-
0.75
0.75
0.72
0.86
0.81
0.68
0.73
0.23
0.20
0.47
IJR
0.87
0.75
-
0.99
0.92
0.88
0.85
0.81
0.89
-0.03
-0.08
0.45
IJS
0.86
0.75
0.99
-
0.91
0.86
0.87
0.78
0.85
-0.07
-0.11
0.39
VTV
0.89
0.72
0.92
0.91
-
0.91
0.90
0.82
0.92
-0.02
-0.05
0.45
VEA
0.96
0.86
0.88
0.86
0.91
-
0.96
0.84
0.91
0.23
0.17
0.58
EFV
0.93
0.81
0.85
0.87
0.90
0.96
-
0.75
0.81
0.06
0.03
0.41
VNQ
0.83
0.68
0.81
0.78
0.82
0.84
0.75
-
0.87
0.22
0.10
0.66
VV
0.87
0.73
0.89
0.85
0.92
0.91
0.81
0.87
-
0.16
0.10
0.61
IEI
0.12
0.23
-0.03
-0.07
-0.02
0.23
0.06
0.22
0.16
-
0.93
0.73
SHY
0.07
0.20
-0.08
-0.11
-0.05
0.17
0.03
0.10
0.10
0.93
-
0.62
TIP
0.52
0.47
0.45
0.39
0.45
0.58
0.41
0.66
0.61
0.73
0.62
-
Asset
DLS
EEM
IJR
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.82
0.78
0.78
0.84
0.95
0.92
0.67
0.83
0.03
0.01
0.43
EEM
0.82
-
0.63
0.64
0.68
0.83
0.79
0.54
0.70
0.14
0.15
0.42
IJR
0.78
0.63
-
0.99
0.88
0.79
0.76
0.70
0.86
-0.09
-0.11
0.33
IJS
0.78
0.64
0.99
-
0.88
0.78
0.77
0.68
0.83
-0.13
-0.14
0.29
VTV
0.84
0.68
0.88
0.88
-
0.87
0.86
0.70
0.93
-0.11
-0.11
0.33
VEA
0.95
0.83
0.79
0.78
0.87
-
0.96
0.69
0.88
0.11
0.10
0.48
EFV
0.92
0.79
0.76
0.77
0.86
0.96
-
0.59
0.80
-0.04
-0.03
0.33
VNQ
0.67
0.54
0.70
0.68
0.70
0.69
0.59
-
0.74
0.28
0.16
0.63
VV
0.83
0.70
0.86
0.83
0.93
0.88
0.80
0.74
-
0.05
0.03
0.48
IEI
0.03
0.14
-0.09
-0.13
-0.11
0.11
-0.04
0.28
0.05
-
0.92
0.74
SHY
0.01
0.15
-0.11
-0.14
-0.11
0.10
-0.03
0.16
0.03
0.92
-
0.62
TIP
0.43
0.42
0.33
0.29
0.33
0.48
0.33
0.63
0.48
0.74
0.62
-
Asset
DLS
EEM
IJR
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.76
0.71
0.72
0.73
0.89
0.91
0.61
0.72
-0.10
-0.12
0.25
EEM
0.76
-
0.70
0.67
0.71
0.81
0.78
0.52
0.73
-0.10
-0.09
0.19
IJR
0.71
0.70
-
0.96
0.80
0.76
0.73
0.65
0.82
-0.19
-0.19
0.12
IJS
0.72
0.67
0.96
-
0.85
0.75
0.75
0.69
0.82
-0.19
-0.17
0.13
VTV
0.73
0.71
0.80
0.85
-
0.82
0.82
0.64
0.95
-0.14
-0.15
0.16
VEA
0.89
0.81
0.76
0.75
0.82
-
0.96
0.61
0.84
-0.12
-0.13
0.21
EFV
0.91
0.78
0.73
0.75
0.82
0.96
-
0.61
0.78
-0.14
-0.14
0.17
VNQ
0.61
0.52
0.65
0.69
0.64
0.61
0.61
-
0.62
0.03
-0.02
0.33
VV
0.72
0.73
0.82
0.82
0.95
0.84
0.78
0.62
-
-0.10
-0.12
0.21
IEI
-0.10
-0.10
-0.19
-0.19
-0.14
-0.12
-0.14
0.03
-0.10
-
0.90
0.76
SHY
-0.12
-0.09
-0.19
-0.17
-0.15
-0.13
-0.14
-0.02
-0.12
0.90
-
0.62
TIP
0.25
0.19
0.12
0.13
0.16
0.21
0.17
0.33
0.21
0.76
0.62
-
Asset
DLS
EEM
IJR
IJS
VTV
VEA
EFV
VNQ
VV
IEI
SHY
TIP
DLS
-
0.70
0.74
0.75
0.77
0.79
0.92
0.60
0.77
0.00
-0.02
0.27
EEM
0.70
-
0.66
0.64
0.68
0.67
0.71
0.49
0.69
0.02
0.02
0.21
IJR
0.74
0.66
-
0.96
0.82
0.65
0.74
0.65
0.84
-0.11
-0.12
0.13
IJS
0.75
0.64
0.96
-
0.86
0.65
0.77
0.70
0.83
-0.10
-0.10
0.14
VTV
0.77
0.68
0.82
0.86
-
0.72
0.83
0.64
0.95
-0.02
-0.03
0.21
VEA
0.79
0.67
0.65
0.65
0.72
-
0.85
0.53
0.72
0.00
0.00
0.22
EFV
0.92
0.71
0.74
0.77
0.83
0.85
-
0.60
0.81
-0.02
-0.02
0.21
VNQ
0.60
0.49
0.65
0.70
0.64
0.53
0.60
-
0.61
0.07
0.02
0.30
VV
0.77
0.69
0.84
0.83
0.95
0.72
0.81
0.61
-
0.01
-0.02
0.24
IEI
0.00
0.02
-0.11
-0.10
-0.02
0.00
-0.02
0.07
0.01
-
0.91
0.83
SHY
-0.02
0.02
-0.12
-0.10
-0.03
0.00
-0.02
0.02
-0.02
0.91
-
0.71
TIP
0.27
0.21
0.13
0.14
0.21
0.22
0.21
0.30
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.

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
Drawdown periods - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
Inflation Adjusted:
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-34.23% Nov 2007 Feb 2009 16 Oct 2010 20 36 14.90
-18.44% Jan 2022 Sep 2022 9 in progress 14 23 9.93
-15.07% Jan 2020 Mar 2020 3 Nov 2020 8 11 6.88
-11.43% May 2011 Sep 2011 5 Mar 2012 6 11 4.95
-10.85% May 1998 Aug 1998 4 Apr 1999 8 12 4.53
-8.84% Jun 2002 Sep 2002 4 May 2003 8 12 6.00
-8.59% Feb 2018 Dec 2018 11 Apr 2019 4 15 3.42
-7.07% Feb 2001 Sep 2001 8 Mar 2002 6 14 3.06
-6.96% May 2015 Feb 2016 10 Jul 2016 5 15 3.64
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16 4.69
-5.29% Apr 2012 May 2012 2 Sep 2012 4 6 2.36
-4.14% Apr 2004 Apr 2004 1 Sep 2004 5 6 2.36
-3.64% Sep 2000 Nov 2000 3 Dec 2000 1 4 2.00
-3.32% Sep 2014 Sep 2014 1 Feb 2015 5 6 1.68
-3.25% May 2019 May 2019 1 Jun 2019 1 2 1.88
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-35.24% Nov 2007 Feb 2009 16 Feb 2011 24 40 16.00
-24.63% Jun 2021 Sep 2022 16 in progress 14 30 14.97
-15.44% Jan 2020 Mar 2020 3 Nov 2020 8 11 7.21
-12.20% May 2011 Sep 2011 5 Nov 2012 14 19 4.70
-11.50% Apr 1998 Aug 1998 5 Apr 1999 8 13 5.00
-10.18% Jun 2002 Mar 2003 10 May 2003 2 12 6.89
-9.81% Feb 2018 Dec 2018 11 Nov 2019 11 22 4.36
-8.91% Feb 1994 Nov 1994 10 Jul 1995 8 18 6.03
-8.74% Feb 2001 Sep 2001 8 Apr 2002 7 15 3.92
-7.16% May 2015 Feb 2016 10 Jul 2016 5 15 4.04
-4.45% Apr 2004 Apr 2004 1 Oct 2004 6 7 2.82
-4.36% Sep 2000 Nov 2000 3 Jan 2001 2 5 2.27
-3.60% Mar 2005 Apr 2005 2 Jul 2005 3 5 1.93
-3.52% May 2013 Jun 2013 2 Sep 2013 3 5 1.84
-3.40% Aug 1997 Nov 1997 4 Feb 1998 3 7 2.24
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-34.23% Nov 2007 Feb 2009 16 Oct 2010 20 36 14.90
-18.44% Jan 2022 Sep 2022 9 in progress 14 23 9.93
-16.12% Sep 1987 Nov 1987 3 Oct 1988 11 14 7.39
-15.07% Jan 2020 Mar 2020 3 Nov 2020 8 11 6.88
-11.54% Jan 1990 Sep 1990 9 Feb 1991 5 14 5.74
-11.43% May 2011 Sep 2011 5 Mar 2012 6 11 4.95
-10.85% May 1998 Aug 1998 4 Apr 1999 8 12 4.53
-8.84% Jun 2002 Sep 2002 4 May 2003 8 12 6.00
-8.59% Feb 2018 Dec 2018 11 Apr 2019 4 15 3.42
-7.07% Feb 2001 Sep 2001 8 Mar 2002 6 14 3.06
-6.96% May 2015 Feb 2016 10 Jul 2016 5 15 3.64
-6.89% Feb 1994 Jun 1994 5 May 1995 11 16 4.69
-5.29% Apr 2012 May 2012 2 Sep 2012 4 6 2.36
-4.14% Apr 2004 Apr 2004 1 Sep 2004 5 6 2.36
-3.78% Sep 1986 Sep 1986 1 Nov 1986 2 3 1.97
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-35.24% Nov 2007 Feb 2009 16 Feb 2011 24 40 16.00
-24.63% Jun 2021 Sep 2022 16 in progress 14 30 14.97
-16.85% Sep 1987 Nov 1987 3 Jan 1989 14 17 7.94
-15.94% Jan 1990 Sep 1990 9 Aug 1991 11 20 7.70
-15.44% Jan 2020 Mar 2020 3 Nov 2020 8 11 7.21
-12.20% May 2011 Sep 2011 5 Nov 2012 14 19 4.70
-11.50% Apr 1998 Aug 1998 5 Apr 1999 8 13 5.00
-10.18% Jun 2002 Mar 2003 10 May 2003 2 12 6.89
-9.81% Feb 2018 Dec 2018 11 Nov 2019 11 22 4.36
-8.91% Feb 1994 Nov 1994 10 Jul 1995 8 18 6.03
-8.74% Feb 2001 Sep 2001 8 Apr 2002 7 15 3.92
-7.16% May 2015 Feb 2016 10 Jul 2016 5 15 4.04
-4.45% Apr 2004 Apr 2004 1 Oct 2004 6 7 2.82
-4.36% Sep 2000 Nov 2000 3 Jan 2001 2 5 2.27
-4.22% Sep 1986 Sep 1986 1 Nov 1986 2 3 2.27

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
Annualized Rolling Returns - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
Inflation Adjusted:
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -29.49 03/2008
02/2009
0.70$ -1.48 0.98$ 8.04 1.08$ 15.86 1.15$ 39.16 03/2009
02/2010
1.39$ 2.96 19.48%
2Y -15.21 03/2007
02/2009
0.71$ 1.07 1.02$ 7.14 1.14$ 13.41 1.28$ 27.26 03/2009
02/2011
1.61$ -2.50 10.98%
3Y -6.63 03/2006
02/2009
0.81$ 3.00 1.09$ 7.08 1.22$ 11.99 1.40$ 21.10 04/2003
03/2006
1.77$ 2.02 3.69%
5Y 0.71 03/2004
02/2009
1.03$ 3.80 1.20$ 6.72 1.38$ 10.27 1.63$ 16.61 11/2002
10/2007
2.15$ 3.88 0.00%
7Y 3.38 04/2013
03/2020
1.26$ 5.39 1.44$ 6.80 1.58$ 9.62 1.90$ 11.75 11/2000
10/2007
2.17$ 4.46 0.00%
10Y 3.57 11/2013
10/2023
1.42$ 5.33 1.68$ 7.50 2.06$ 9.39 2.45$ 10.48 05/1997
04/2007
2.70$ 4.10 0.00%
15Y 3.89 10/2007
09/2022
1.77$ 5.69 2.29$ 7.54 2.97$ 8.23 3.27$ 8.93 02/2003
01/2018
3.60$ 6.73 0.00%
20Y 5.95 11/2003
10/2023
3.17$ 6.90 3.79$ 7.40 4.16$ 8.02 4.67$ 8.50 07/1994
06/2014
5.11$ 6.18 0.00%
30Y 6.82 12/1993
11/2023
7.23$ 6.82 7.23$ 6.82 7.23$ 6.82 7.23$ 6.82 12/1993
11/2023
7.23$ 6.82 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -29.66 03/2008
02/2009
0.70$ -3.52 0.96$ 5.32 1.05$ 13.40 1.13$ 36.47 04/2003
03/2004
1.36$ -0.38 27.22%
2Y -16.96 03/2007
02/2009
0.68$ -0.56 0.98$ 4.85 1.09$ 10.42 1.21$ 24.61 03/2009
02/2011
1.55$ -7.33 16.91%
3Y -8.66 03/2006
02/2009
0.76$ -0.05 0.99$ 4.83 1.15$ 9.19 1.30$ 17.86 04/2003
03/2006
1.63$ -3.51 15.38%
5Y -2.27 10/2017
09/2022
0.89$ 1.44 1.07$ 4.84 1.26$ 7.59 1.44$ 13.35 11/2002
10/2007
1.87$ -0.18 7.31%
7Y 0.22 11/2016
10/2023
1.01$ 3.20 1.24$ 4.92 1.39$ 6.84 1.58$ 8.87 11/2000
10/2007
1.81$ 0.90 0.00%
10Y 0.75 11/2013
10/2023
1.07$ 3.38 1.39$ 5.17 1.65$ 6.71 1.91$ 7.72 03/2009
02/2019
2.10$ 1.25 0.00%
15Y 1.47 10/2007
09/2022
1.24$ 3.61 1.70$ 5.09 2.10$ 5.72 2.30$ 6.70 02/2003
01/2018
2.64$ 4.13 0.00%
20Y 3.29 11/2003
10/2023
1.90$ 4.50 2.41$ 5.12 2.71$ 5.56 2.95$ 6.08 03/1995
02/2015
3.25$ 3.50 0.00%
30Y 4.19 12/1993
11/2023
3.42$ 4.19 3.42$ 4.19 3.42$ 4.19 3.42$ 4.19 12/1993
11/2023
3.42$ 4.19 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -29.49 03/2008
02/2009
0.70$ -0.58 0.99$ 9.22 1.09$ 18.61 1.18$ 39.73 04/1985
03/1986
1.39$ 2.96 16.23%
2Y -15.21 03/2007
02/2009
0.71$ 2.30 1.04$ 8.78 1.18$ 14.65 1.31$ 31.68 03/1985
02/1987
1.73$ -2.50 8.33%
3Y -6.63 03/2006
02/2009
0.81$ 3.98 1.12$ 8.28 1.26$ 13.37 1.45$ 21.21 03/1985
02/1988
1.78$ 2.02 2.78%
5Y 0.71 03/2004
02/2009
1.03$ 4.38 1.23$ 8.21 1.48$ 12.29 1.78$ 20.13 01/1985
12/1989
2.50$ 3.88 0.00%
7Y 3.38 04/2013
03/2020
1.26$ 5.60 1.46$ 8.09 1.72$ 11.09 2.08$ 16.76 01/1985
12/1991
2.95$ 4.46 0.00%
10Y 3.57 11/2013
10/2023
1.42$ 5.76 1.75$ 8.32 2.22$ 10.29 2.66$ 14.24 01/1985
12/1994
3.78$ 4.10 0.00%
15Y 3.89 10/2007
09/2022
1.77$ 6.16 2.45$ 8.06 3.20$ 10.13 4.25$ 13.03 01/1985
12/1999
6.27$ 6.73 0.00%
20Y 5.95 11/2003
10/2023
3.17$ 7.15 3.98$ 8.12 4.76$ 10.22 6.99$ 12.13 01/1985
12/2004
9.87$ 6.18 0.00%
30Y 6.53 11/1993
10/2023
6.66$ 7.38 8.47$ 8.27 10.85$ 8.96 13.12$ 10.29 01/1985
12/2014
18.86$ 6.82 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -29.66 03/2008
02/2009
0.70$ -2.87 0.97$ 6.31 1.06$ 15.01 1.15$ 37.56 09/1985
08/1986
1.37$ -0.38 24.78%
2Y -16.96 03/2007
02/2009
0.68$ 0.53 1.01$ 5.69 1.11$ 11.26 1.23$ 28.33 03/1985
02/1987
1.64$ -7.33 13.06%
3Y -8.66 03/2006
02/2009
0.76$ 1.16 1.03$ 5.52 1.17$ 9.95 1.32$ 17.86 04/2003
03/2006
1.63$ -3.51 11.81%
5Y -2.27 10/2017
09/2022
0.89$ 2.25 1.11$ 5.70 1.31$ 8.77 1.52$ 15.88 01/1985
12/1989
2.08$ -0.18 5.39%
7Y 0.22 11/2016
10/2023
1.01$ 3.37 1.26$ 5.69 1.47$ 7.83 1.69$ 12.35 01/1985
12/1991
2.25$ 0.90 0.00%
10Y 0.75 11/2013
10/2023
1.07$ 3.79 1.45$ 5.73 1.74$ 7.25 2.01$ 10.29 01/1985
12/1994
2.66$ 1.25 0.00%
15Y 1.47 10/2007
09/2022
1.24$ 4.13 1.83$ 5.56 2.25$ 7.16 2.82$ 9.55 01/1985
12/1999
3.92$ 4.13 0.00%
20Y 3.29 11/2003
10/2023
1.90$ 4.77 2.53$ 5.52 2.92$ 6.92 3.81$ 8.86 01/1985
12/2004
5.46$ 3.50 0.00%
30Y 3.91 11/1993
10/2023
3.15$ 4.76 4.03$ 5.70 5.28$ 6.23 6.13$ 7.38 01/1985
12/2014
8.45$ 4.19 0.00%
Annualized rolling and percentiles/median 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.

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%
0.59
60%
1.77
80%
-0.57
40%
-2.46
20%
0.90
60%
3.57
80%
0.52
60%
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
-2.4
2023
-2.3
2021
-4.2
2018
Monthly Seasonality over the period Feb 1985 - Nov 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%
0.35
60%
1.39
80%
-0.45
50%
-1.51
30%
0.45
60%
2.12
80%
0.41
60%
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
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
-1.3
2014
-3.8
2015
-7.2
2022
-4.8
2018
-2.3
2021
-4.2
2018
Monthly Seasonality over the period Feb 1985 - Nov 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%
0.43
59%
1.03
64%
0.09
62%
-0.27
54%
0.38
64%
1.09
67%
1.76
79%
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 Feb 1985 - Nov 2023

Monthly Returns

This section provides a visual/tabular representation of the performance variability in the FundAdvice Ultimate Buy&Hold Portfolio over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.

FUNDADVICE ULTIMATE BUY&HOLD PORTFOLIO
Monthly Returns Distribution
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
231 Positive Months (64%) - 129 Negative Months (36%)
310 Positive Months (66%) - 157 Negative Months (34%)
Swipe left to see all data
(Scroll down to see all data)
Investment Returns, up to December 2007, are simulated.
They have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
You can see details about extended Data Sources here.

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

Portfolio efficiency

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 +9.34 9.56 -32.52 60 40 0
Aim Bold Strategy Aim Ways +8.24 9.93 -30.09 45 40 15
Weird Portfolio Value Stock Geek +8.02 10.75 -32.97 60 20 20
Stocks/Bonds 60/40 +7.99 9.61 -30.55 60 40 0
Couch Potato Scott Burns +7.83 8.76 -27.04 50 50 0
Stocks/Bonds 40/60 Momentum +7.75 6.99 -21.11 40 60 0
Golden Butterfly Tyler +7.46 7.68 -17.79 40 40 20
Coffeehouse Bill Schultheis +7.41 9.68 -33.93 60 40 0
Marc Faber Portfolio Marc Faber +7.22 9.65 -28.82 50 25 25
Dimensional 2030 Retirement Income DFA +7.22 9.25 -31.78 55.9 44.1 0
Sheltered Sam 60/40 Bill Bernstein +7.22 9.24 -34.12 58.2 40 1.8
Edge Select Moderate Merrill Lynch +7.20 8.97 -29.58 53 47 0
All Weather Portfolio Ray Dalio +7.19 7.39 -20.58 30 55 15
Robo Advisor 50 Betterment +7.16 9.32 -30.72 49.9 50.1 0
LifeStrategy Moderate Growth Vanguard +7.01 9.53 -33.52 60 40 0
Simple Money Portfolio Tim Maurer +6.99 9.10 -32.39 60 40 0
Sandwich Portfolio Bob Clyatt +6.97 8.32 -28.96 55 45 0
Coward's Portfolio Bill Bernstein +6.93 9.11 -32.68 60 40 0
One-Decision Portfolio Marvin Appel +6.85 8.38 -31.96 50 50 0
Dynamic 40/60 Income +6.84 8.11 -29.84 40 60 0
Global Market Portfolio Credit Suisse +6.84 8.29 -25.90 45 55 0
Stocks/Bonds 40/60 +6.83 6.98 -19.17 40 60 0
Big Rocks Portfolio Larry Swedroe +6.83 9.15 -33.80 60 40 0
Ultimate Buy&Hold FundAdvice +6.82 9.29 -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 +9.34 9.56 -32.52 60 40 0
Simple Path to Wealth JL Collins +8.78 11.75 -38.53 75 25 0
Aim Bold Strategy Aim Ways +8.24 9.93 -30.09 45 40 15
Late Sixties and Beyond Burton Malkiel +8.13 11.69 -41.80 71 29 0
Talmud Portfolio Roger Gibson +8.01 10.81 -40.17 66.7 33.3 0
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