iShares Lifepath Fund Portfolio: ETF allocation and returns

Data Source: from January 1985 to April 2024 (~39 years)
Consolidated Returns as of 30 April 2024
Live Update: May 23 2024, 09:59AM Eastern Time Currency: USD
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.16%
1 Day
May 23 2024, 09:59AM Eastern Time
3.06%
Current Month
May 2024

The iShares Lifepath Fund Portfolio is a Medium Risk portfolio and can be implemented with 6 ETFs.

It's exposed for 40.42% on the Stock Market.

In the last 30 Years, the iShares Lifepath Fund Portfolio obtained a 6.50% compound annual return, with a 7.00% standard deviation.

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Asset Allocation and ETFs

The iShares Lifepath Fund Portfolio has the following asset allocation:

40.42% Stocks
59.58% Fixed Income
0% Commodities

The iShares Lifepath Fund Portfolio can be implemented with the following ETFs:

Weight
(%)
Investment Themes (Orig.Currency) ETF
Ticker
ETF
Currency
ETF Name
22.09 Equity, U.S., Large Cap (USD)
VV
USD Vanguard Large-Cap
13.67 Equity, Global ex-US, Large Cap (USD)
VEU
USD Vanguard FTSE All-World ex-US
4.15 Equity, U.S., Small Cap (USD)
IJR
USD iShares Core S&P Small-Cap
0.51 Real Estate, U.S. (USD)
VNQ
USD Vanguard Real Estate
50.82 Bond, U.S., All-Term (USD)
BND
USD Vanguard Total Bond Market
8.76 Bond, U.S., All-Term (USD)
TIP
USD iShares TIPS Bond

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 Apr 30, 2024

The iShares Lifepath Fund Portfolio guaranteed the following returns.

Returns are calculated in USD, assuming: May 2024 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
ISHARES LIFEPATH FUND PORTFOLIO
Consolidated returns as of 30 April 2024
Live Update: May 23 2024, 09:59AM Eastern Time
Swipe left to see all data
  Chg (%) Return (%) Return (%) as of Apr 30, 2024
  1 Day Time ET(*) May 2024 1M 6M 1Y 5Y 10Y 30Y MAX
(~39Y)
iShares Lifepath Fund Portfolio -0.16 3.06 -2.89 10.41 5.79 4.08 4.52 6.50 7.98
US Inflation Adjusted return -3.19 8.41 2.35 -0.10 1.63 3.85 5.03
Components
VV
USD Vanguard Large-Cap 0.00 09:57AM, May 23 2024 5.64 -3.99 20.72 22.87 12.96 12.23 10.48 11.46
VEU
USD Vanguard FTSE All-World ex-US 0.13 09:59AM, May 23 2024 4.73 -2.51 16.06 8.76 5.23 4.18 4.81 7.75
IJR
USD iShares Core S&P Small-Cap -0.69 09:59AM, May 23 2024 4.07 -5.55 18.10 12.63 7.02 8.43 9.90 10.81
VNQ
USD Vanguard Real Estate -0.96 09:59AM, May 23 2024 4.01 -7.94 10.51 -1.24 1.82 4.89 8.45 8.94
BND
USD Vanguard Total Bond Market -0.25 09:59AM, May 23 2024 1.65 -2.41 4.92 -1.40 -0.16 1.16 4.25 5.63
TIP
USD iShares TIPS Bond -0.22 09:57AM, May 23 2024 1.58 -1.69 3.42 -2.11 1.57 1.58 5.16 6.63
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Apr 2024. Current inflation (annualized) is 1Y: 3.36% , 5Y: 4.18% , 10Y: 2.85% , 30Y: 2.55%

In 2023, the iShares Lifepath Fund Portfolio granted a 2.86% dividend yield. If you are interested in getting periodic income, please refer to the iShares Lifepath Fund Portfolio: Dividend Yield page.

Capital Growth as of Apr 30, 2024

An investment of 1$, since May 1994, now would be worth 6.62$, with a total return of 561.77% (6.50% annualized).

The Inflation Adjusted Capital now would be 3.11$, with a net total return of 211.02% (3.85% annualized).
An investment of 1$, since January 1985, now would be worth 20.48$, with a total return of 1948.15% (7.98% annualized).

The Inflation Adjusted Capital now would be 6.90$, with a net total return of 589.89% (5.03% annualized).

Portfolio Metrics as of Apr 30, 2024

Metrics of iShares Lifepath Fund Portfolio, updated as of 30 April 2024.

Metrics are calculated based on monthly returns, assuming:
ISHARES LIFEPATH FUND PORTFOLIO
Advanced Metrics
Data Source: 1 January 1985 - 30 April 2024 (~39 years)
Swipe left to see all data
Metrics as of Apr 30, 2024
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~39Y)
Investment Return (%) -2.89 -0.30 10.41 5.79 -0.24 4.08 4.52 5.61 6.50 7.98
Infl. Adjusted Return (%) details -3.19 -1.43 8.41 2.35 -5.44 -0.10 1.63 2.93 3.85 5.03
US Inflation (%) 0.31 1.14 1.85 3.36 5.50 4.18 2.85 2.60 2.55 2.81
Returns / Inflation rates over 1 year are annualized.
DRAWDOWN
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Deepest Drawdown Depth (%) -6.77 -18.92 -18.92 -18.92 -21.23 -21.23 -21.23
Start to Recovery (# months) details 5 28* 28* 28* 26 26 26
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) 2 19 19 19 10 10 10
End (yyyy mm) 2023 12 - - - 2009 12 2009 12 2009 12
Longest Drawdown Depth (%)
same as
deepest

same as
deepest

same as
deepest

same as
deepest
-18.92 -18.92 -18.92
Start to Recovery (# months) details 28* 28* 28*
Start (yyyy mm) 2023 08 2022 01 2022 01 2022 01 2022 01 2022 01 2022 01
Start to Bottom (# months) 3 9 9 9 9 9 9
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2022 09 2022 09 2022 09
Bottom to End (# months) 2 19 19 19 19 19 19
End (yyyy mm) 2023 12 - - - - - -
Longest negative period (# months) details 6 36* 39 39 50 50 50
Period Start (yyyy mm) 2023 05 2021 05 2020 08 2020 08 2005 01 2005 01 2005 01
Period End (yyyy mm) 2023 10 2024 04 2023 10 2023 10 2009 02 2009 02 2009 02
Annualized Return (%) -8.19 -0.24 -0.22 -0.22 -0.09 -0.09 -0.09
Drawdowns / Negative periods marked with * are in progress
Deepest Drawdown Depth (%) -7.65 -24.67 -24.67 -24.67 -24.67 -24.67 -24.67
Start to Recovery (# months) details 5 32* 32* 32* 32* 32* 32*
Start (yyyy mm) 2023 08 2021 09 2021 09 2021 09 2021 09 2021 09 2021 09
Start to Bottom (# months) 3 13 13 13 13 13 13
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2022 09 2022 09 2022 09
Bottom to End (# months) 2 19 19 19 19 19 19
End (yyyy mm) 2023 12 - - - - - -
Longest Drawdown Depth (%)
same as
deepest

same as
deepest

same as
deepest

same as
deepest
-22.53 -10.40 -10.40
Start to Recovery (# months) details 35 38 38
Start (yyyy mm) 2023 08 2021 09 2021 09 2021 09 2007 11 2000 09 2000 09
Start to Bottom (# months) 3 13 13 13 16 25 25
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2002 09 2002 09
Bottom to End (# months) 2 19 19 19 19 13 13
End (yyyy mm) 2023 12 - - - 2010 09 2003 10 2003 10
Longest negative period (# months) details 6 36* 60* 80 80 102 102
Period Start (yyyy mm) 2023 05 2021 05 2019 05 2017 03 2017 03 2000 09 2000 09
Period End (yyyy mm) 2023 10 2024 04 2024 04 2023 10 2023 10 2009 02 2009 02
Annualized Return (%) -10.86 -5.44 -0.10 -0.07 -0.07 -0.06 -0.06
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
1Y 3Y 5Y 10Y 20Y 30Y MAX
Standard Deviation (%) 9.67 10.42 9.76 7.71 7.35 7.00 7.26
Sharpe Ratio 0.05 -0.28 0.22 0.42 0.58 0.60 0.55
Sortino Ratio 0.08 -0.39 0.30 0.57 0.76 0.79 0.73
Ulcer Index 2.52 9.43 7.45 5.43 5.07 4.32 3.97
Ratio: Return / Standard Deviation 0.60 -0.02 0.42 0.59 0.76 0.93 1.10
Ratio: Return / Deepest Drawdown 0.86 -0.01 0.22 0.24 0.26 0.31 0.38
% Positive Months details 50% 52% 61% 63% 66% 67% 68%
Positive Months 6 19 37 76 160 242 322
Negative Months 6 17 23 44 80 118 150
LONG TERM RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Best 10 Years Return (%) - Annualized 4.52 8.12 9.09 12.16
Worst 10 Years Return (%) - Annualized 3.87 3.50 3.50
Best 10 Years Return (%) - Annualized 1.63 6.24 6.46 8.32
Worst 10 Years Return (%) - Annualized 1.06 0.88 0.88
ROLLING PERIODS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Over the latest 30Y
Best Rolling Return (%) - Annualized 27.21 15.10 13.20 9.09 7.72 6.50
Worst Rolling Return (%) - Annualized -18.54 -2.45 1.14 3.50 5.24
% Positive Periods 84% 98% 100% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 86.35 29.14 19.59 10.71 6.40 6.52
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - 0.96 2.92 4.43
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Best Rolling Return (%) - Annualized 24.54 12.48 10.58 6.46 5.27 3.85
Worst Rolling Return (%) - Annualized -22.55 -5.47 -1.46 0.88 2.66
% Positive Periods 78% 85% 95% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 86.35 29.14 19.59 10.71 6.40 6.52
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - 0.96 2.92 4.43
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Over all the available data source (Jan 1985 - Apr 2024)
Best Rolling Return (%) - Annualized 37.31 19.50 17.19 12.16 10.59 9.10
Worst Rolling Return (%) - Annualized -18.54 -2.45 1.14 3.50 5.24 6.06
% Positive Periods 86% 98% 100% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 86.35 29.14 19.59 10.71 6.40 6.12
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - 0.96 2.92 3.94
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Best Rolling Return (%) - Annualized 34.93 16.01 13.05 8.32 7.33 6.20
Worst Rolling Return (%) - Annualized -22.55 -5.47 -1.46 0.88 2.66 3.45
% Positive Periods 78% 89% 96% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 86.35 29.14 19.59 10.71 6.40 6.12
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - 0.96 2.92 3.94
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
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 initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, without the portfolio running out of money in any case (money amount withdrawal).
    For instance: Your initial invested capital is 100.000$; withdrawal rate (annualized) is 4%. This means that, in the first month, you will withdraw 100.000 * 4% * 1/12 = 333.33$. The second month, you’ll withdraw 333.33$ plus the inflation monthly rate. You’ll continue adjusting your withdraw monthly for inflation.
  • Perpetual Withdrawal Rate (PWR): it's the percentage of the initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, preserving the original invested capital, adjusted for inflation too.

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 April 2024
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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.

ISHARES LIFEPATH FUND PORTFOLIO
Drawdown periods
Drawdown periods - Inflation Adjusted
Data Source: 1 May 1994 - 30 April 2024 (30 Years)
Data Source: 1 January 1985 - 30 April 2024 (~39 years)
Inflation Adjusted:
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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.

ISHARES LIFEPATH FUND PORTFOLIO
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Data Source: 1 May 1994 - 30 April 2024 (30 Years)
Data Source: 1 January 1985 - 30 April 2024 (~39 years)
Inflation Adjusted:

If you need a deeper detail about rolling returns, please refer to the iShares Lifepath Fund Portfolio: Rolling Returns page.

Seasonality

In which months is it better to invest in iShares Lifepath 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.
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Monthly Returns

This section provides a visual/tabular representation of the performance variability in the iShares Lifepath Fund Portfolio over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.

ISHARES LIFEPATH FUND PORTFOLIO
Monthly Returns Distribution
Data Source: 1 May 1994 - 30 April 2024 (30 Years)
Data Source: 1 January 1985 - 30 April 2024 (~39 years)
242 Positive Months (67%) - 118 Negative Months (33%)
322 Positive Months (68%) - 150 Negative Months (32%)
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(Scroll down to see all data)
Investment Returns, up to December 2007, have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
You can find additional information on extended Data Sources here.

In particular, the series derived from equivalent datasets are:
  • VV - Vanguard Large-Cap (VV), up to December 2004
  • VEU - Vanguard FTSE All-World ex-US (VEU), up to December 2007
  • IJR - iShares Core S&P Small-Cap (IJR), up to December 2000
  • VNQ - Vanguard Real Estate (VNQ), up to December 2004
  • BND - Vanguard Total Bond Market (BND), up to December 2007
  • TIP - iShares TIPS Bond (TIP), 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.

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In the following table, you can compare the current portfolio with a list of famous portfolios. Metrics are calculated over the last 30 Years.

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