Vanguard LifeStrategy Income Fund 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 01 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.77%
1 Day
Dec 01 2023
0.77%
Current Month
December 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 5.33% compound annual return, with a 4.77% standard deviation.

Table of contents

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 Currency ETF Name Investment Themes
12.00
VTI
USD Vanguard Total Stock Market Equity, U.S., Large Cap
8.00
VEU
USD Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
56.00
BND
USD Vanguard Total Bond Market Bond, U.S., All-Term
24.00
BNDX
USD 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 Nov 30, 2023

The Vanguard LifeStrategy Income Fund 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.
VANGUARD LIFESTRATEGY INCOME FUND PORTFOLIO
Consolidated returns as of 30 November 2023
Live Update: Dec 01 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)
Vanguard LifeStrategy Income Fund Portfolio 0.77 0.77 5.21 1.71 3.41 2.48 2.98 5.33 6.98
US Inflation Adjusted return 5.21 0.54 0.06 -1.53 0.16 2.74 4.07
Components
VTI
USD Vanguard Total Stock Market 0.84 Dec 01 2023 0.84 9.42 10.04 12.72 11.71 11.16 9.90 11.00
VEU
USD Vanguard FTSE All-World ex-US 0.83 Dec 01 2023 0.83 8.23 5.00 8.02 5.37 3.75 5.13 7.64
BND
USD Vanguard Total Bond Market 0.82 Dec 01 2023 0.82 4.54 -0.60 0.97 0.72 1.33 4.12 5.68
BNDX
USD Vanguard Total International Bond 0.60 Dec 01 2023 0.60 3.43 1.56 2.49 0.52 2.06 4.69 6.57
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 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.

Capital Growth as of Nov 30, 2023

An investment of 1$, since December 1993, now would be worth 4.75$, with a total return of 375.25% (5.33% annualized).

The Inflation Adjusted Capital now would be 2.25$, with a net total return of 125.22% (2.74% annualized).
An investment of 1$, since January 1985, now would be worth 13.80$, with a total return of 1279.88% (6.98% annualized).

The Inflation Adjusted Capital now would be 4.72$, with a net total return of 372.26% (4.07% annualized).

Portfolio Metrics as of Nov 30, 2023

Metrics of Vanguard LifeStrategy Income Fund Portfolio, updated as of 30 November 2023.

Metrics are calculated based on monthly returns, assuming:
VANGUARD LIFESTRATEGY INCOME FUND 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 (%) 5.21 0.86 1.71 3.41 -2.10 2.48 2.98 4.47 5.33 6.98
Infl. Adjusted Return (%) details 5.21 0.65 0.54 0.06 -7.42 -1.53 0.16 1.83 2.74 4.07
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 (%) -5.04 -16.61 -16.61 -16.61 -16.61 -16.61 -16.61
Start to Recovery (# months) details 4* 27* 27* 27* 27* 27* 27*
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) 1 14 14 14 14 14 14
End (yyyy mm) - - - - - - -
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 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) 1 14 14 14 14 14 14
End (yyyy mm) - - - - - - -
Longest negative period (# months) details 11 36* 52 52 52 52 52
Period Start (yyyy mm) 2022 12 2020 12 2019 07 2019 07 2019 07 2019 07 2019 07
Period End (yyyy mm) 2023 10 2023 11 2023 10 2023 10 2023 10 2023 10 2023 10
Annualized Return (%) -1.87 -2.10 -0.12 -0.12 -0.12 -0.12 -0.12
Drawdowns / Negative periods marked with * are in progress
Deepest Drawdown Depth (%) -6.20 -25.42 -25.42 -25.42 -25.42 -25.42 -25.42
Start to Recovery (# months) details 10* 35* 35* 35* 35* 35* 35*
Start (yyyy mm) 2023 02 2021 01 2021 01 2021 01 2021 01 2021 01 2021 01
Start to Bottom (# months) 9 34 34 34 34 34 34
Bottom (yyyy mm) 2023 10 2023 10 2023 10 2023 10 2023 10 2023 10 2023 10
Bottom to End (# months) 1 1 1 1 1 1 1
End (yyyy mm) - - - - - - -
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 01 2021 01 2021 01 2021 01 2021 01 2021 01
Start to Bottom (# months) 9 34 34 34 34 34 34
Bottom (yyyy mm) 2023 10 2023 10 2023 10 2023 10 2023 10 2023 10 2023 10
Bottom to End (# months) 1 1 1 1 1 1 1
End (yyyy mm) - - - - - - -
Longest negative period (# months) details 11 36* 60* 119 133 133 133
Period Start (yyyy mm) 2022 12 2020 12 2018 12 2013 12 2012 10 2012 10 2012 10
Period End (yyyy mm) 2023 10 2023 11 2023 11 2023 10 2023 10 2023 10 2023 10
Annualized Return (%) -5.33 -7.42 -1.53 -0.35 0.00 0.00 0.00
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
1Y 3Y 5Y 10Y 20Y 30Y MAX
Standard Deviation (%) 8.53 7.91 7.16 5.47 5.03 4.77 5.12
Sharpe Ratio -0.17 -0.51 0.11 0.35 0.63 0.65 0.58
Sortino Ratio -0.27 -0.74 0.15 0.48 0.83 0.86 0.80
Ulcer Index 1.98 8.96 7.00 5.02 3.88 3.29 2.95
Ratio: Return / Standard Deviation 0.40 -0.27 0.35 0.55 0.89 1.12 1.36
Ratio: Return / Deepest Drawdown 0.68 -0.13 0.15 0.18 0.27 0.32 0.42
% Positive Months details 50% 50% 60% 65% 69% 68% 69%
Positive Months 6 18 36 79 166 246 325
Negative Months 6 18 24 41 74 114 142
LONG TERM RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Best 10 Years Return (%) - Annualized 2.98 6.31 8.13 11.20
Worst 10 Years Return (%) - Annualized 2.50 2.50 2.50
Best 10 Years Return (%) - Annualized 0.16 4.47 5.57 7.34
Worst 10 Years Return (%) - Annualized -0.29 -0.29 -0.29
ROLLING PERIOD RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Over the latest 30Y
Best Rolling Return (%) - Annualized 19.89 11.70 10.17 8.13 6.95 5.33
Worst Rolling Return (%) - Annualized -15.57 -2.77 1.00 2.50 4.23
% Positive Periods 89% 95% 100% 100% 100% 100%
Best Rolling Return (%) - Annualized 17.22 9.11 7.62 5.57 4.60 2.74
Worst Rolling Return (%) - Annualized -21.64 -8.03 -2.75 -0.29 1.62
% Positive Periods 82% 92% 93% 99% 100% 100%
Over all the available data source (Jan 1985 - Nov 2023)
Best Rolling Return (%) - Annualized 33.33 17.54 14.75 11.20 9.63 8.31
Worst Rolling Return (%) - Annualized -15.57 -2.77 1.00 2.50 4.23 5.10
% Positive Periods 91% 96% 100% 100% 100% 100%
Best Rolling Return (%) - Annualized 30.71 14.06 10.69 7.34 6.43 5.46
Worst Rolling Return (%) - Annualized -21.64 -8.03 -2.75 -0.29 1.62 2.51
% Positive Periods 83% 93% 94% 99% 100% 100%
WITHDRAWAL RATES (WR)
1Y 3Y 5Y 10Y 20Y 30Y MAX
Safe WR (%) 30.26 21.02 11.08 6.65 5.66 7.65
Perpetual WR (%) 0.00 0.00 0.16 1.80 2.67 3.91
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
VTI
VEU
BND
BNDX
VTI
-
0.91
0.80
0.82
VEU
0.91
-
0.87
0.74
BND
0.80
0.87
-
0.89
BNDX
0.82
0.74
0.89
-
Asset
VTI
VEU
BND
BNDX
VTI
-
0.89
0.48
0.53
VEU
0.89
-
0.54
0.51
BND
0.48
0.54
-
0.89
BNDX
0.53
0.51
0.89
-
Asset
VTI
VEU
BND
BNDX
VTI
-
0.86
0.37
0.41
VEU
0.86
-
0.42
0.37
BND
0.37
0.42
-
0.87
BNDX
0.41
0.37
0.87
-
Asset
VTI
VEU
BND
BNDX
VTI
-
0.84
0.16
0.16
VEU
0.84
-
0.16
0.17
BND
0.16
0.16
-
0.67
BNDX
0.16
0.17
0.67
-
Asset
VTI
VEU
BND
BNDX
VTI
-
0.73
0.20
0.20
VEU
0.73
-
0.19
0.21
BND
0.20
0.19
-
0.74
BNDX
0.20
0.21
0.74
-

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.

VANGUARD LIFESTRATEGY INCOME FUND 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
-16.61% Sep 2021 Sep 2022 13 in progress 14 27 10.29
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15 5.76
-5.45% Feb 1994 Jun 1994 5 Apr 1995 10 15 3.70
-4.47% Feb 2020 Mar 2020 2 May 2020 2 4 2.04
-3.36% May 2013 Jun 2013 2 Oct 2013 4 6 2.02
-2.63% Dec 1996 Mar 1997 4 May 1997 2 6 1.43
-2.58% Oct 2016 Nov 2016 2 Apr 2017 5 7 1.33
-2.43% May 2015 Sep 2015 5 Mar 2016 6 11 1.45
-2.37% Sep 2018 Oct 2018 2 Jan 2019 3 5 1.36
-2.22% Apr 2004 May 2004 2 Sep 2004 4 6 1.42
-1.98% Feb 1999 Feb 1999 1 Apr 1999 2 3 1.04
-1.88% Apr 2000 May 2000 2 Jun 2000 1 3 1.14
-1.88% Jun 2002 Jul 2002 2 Nov 2002 4 6 0.90
-1.77% May 1999 Aug 1999 4 Oct 1999 2 6 1.21
-1.74% Jul 2003 Jul 2003 1 Sep 2003 2 3 0.98
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-25.42% Jan 2021 Oct 2023 34 in progress 1 35 16.59
-13.01% Nov 2007 Oct 2008 12 Aug 2009 10 22 6.05
-7.09% Feb 1994 Nov 1994 10 May 1995 6 16 5.14
-4.52% Feb 2020 Mar 2020 2 May 2020 2 4 2.04
-4.26% Jan 2018 Oct 2018 10 Mar 2019 5 15 2.26
-3.80% Feb 2015 Aug 2015 7 Jun 2016 10 17 2.02
-3.76% May 2013 Jun 2013 2 Nov 2013 5 7 2.23
-3.49% Dec 1996 Mar 1997 4 Jun 1997 3 7 1.83
-3.24% Mar 2004 May 2004 3 Nov 2004 6 9 1.88
-2.78% Sep 2005 Oct 2005 2 Dec 2005 2 4 1.45
-2.74% Aug 2016 Nov 2016 4 May 2017 6 10 1.47
-2.66% Feb 1999 Aug 1999 7 Dec 1999 4 11 1.64
-2.58% Mar 2006 Jun 2006 4 Sep 2006 3 7 1.49
-2.23% Jan 2002 Jul 2002 7 Dec 2002 5 12 1.07
-2.22% Feb 2001 Mar 2001 2 Oct 2001 7 9 1.40
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-16.61% Sep 2021 Sep 2022 13 in progress 14 27 10.29
-10.54% May 2008 Oct 2008 6 Jul 2009 9 15 5.76
-5.45% Feb 1994 Jun 1994 5 Apr 1995 10 15 3.70
-4.47% Sep 1987 Nov 1987 3 Jan 1988 2 5 2.81
-4.47% Feb 2020 Mar 2020 2 May 2020 2 4 2.04
-4.35% Jan 1990 Apr 1990 4 Jun 1990 2 6 2.45
-4.18% Aug 1990 Sep 1990 2 Dec 1990 3 5 2.32
-3.36% May 2013 Jun 2013 2 Oct 2013 4 6 2.02
-2.63% Dec 1996 Mar 1997 4 May 1997 2 6 1.43
-2.58% Oct 2016 Nov 2016 2 Apr 2017 5 7 1.33
-2.56% Sep 1986 Sep 1986 1 Dec 1986 3 4 1.37
-2.43% May 2015 Sep 2015 5 Mar 2016 6 11 1.45
-2.37% Sep 2018 Oct 2018 2 Jan 2019 3 5 1.36
-2.36% Jan 1992 Mar 1992 3 May 1992 2 5 1.43
-2.22% Apr 2004 May 2004 2 Sep 2004 4 6 1.42
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-25.42% Jan 2021 Oct 2023 34 in progress 1 35 16.59
-13.01% Nov 2007 Oct 2008 12 Aug 2009 10 22 6.05
-7.09% Feb 1994 Nov 1994 10 May 1995 6 16 5.14
-7.01% Jan 1990 Sep 1990 9 Feb 1991 5 14 3.97
-6.39% Apr 1987 Nov 1987 8 Feb 1988 3 11 3.30
-4.52% Feb 2020 Mar 2020 2 May 2020 2 4 2.04
-4.26% Jan 2018 Oct 2018 10 Mar 2019 5 15 2.26
-3.80% Feb 2015 Aug 2015 7 Jun 2016 10 17 2.02
-3.76% May 2013 Jun 2013 2 Nov 2013 5 7 2.23
-3.49% Dec 1996 Mar 1997 4 Jun 1997 3 7 1.83
-3.34% Jan 1992 Mar 1992 3 Jul 1992 4 7 1.81
-3.24% Mar 2004 May 2004 3 Nov 2004 6 9 1.88
-3.01% Sep 1986 Sep 1986 1 Jan 1987 4 5 1.58
-2.78% Sep 2005 Oct 2005 2 Dec 2005 2 4 1.45
-2.74% Aug 2016 Nov 2016 4 May 2017 6 10 1.47

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.

VANGUARD LIFESTRATEGY INCOME FUND 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 -15.57 11/2021
10/2022
0.84$ 2.03 1.02$ 6.16 1.06$ 9.55 1.09$ 19.89 01/1995
12/1995
1.19$ 3.41 10.03%
2Y -7.00 11/2021
10/2023
0.86$ 3.19 1.06$ 5.88 1.12$ 8.70 1.18$ 14.13 03/2009
02/2011
1.30$ -4.51 7.72%
3Y -2.77 11/2020
10/2023
0.91$ 3.66 1.11$ 5.78 1.18$ 8.11 1.26$ 11.70 03/2009
02/2012
1.39$ -2.10 4.62%
5Y 1.00 11/2017
10/2022
1.05$ 4.20 1.22$ 5.81 1.32$ 7.47 1.43$ 10.17 01/1995
12/1999
1.62$ 2.48 0.00%
7Y 1.81 11/2016
10/2023
1.13$ 4.51 1.36$ 5.82 1.48$ 6.77 1.58$ 8.85 12/1994
11/2001
1.80$ 2.76 0.00%
10Y 2.50 11/2013
10/2023
1.27$ 4.97 1.62$ 5.77 1.75$ 6.77 1.92$ 8.13 01/1995
12/2004
2.18$ 2.98 0.00%
15Y 3.62 11/2007
10/2022
1.70$ 5.11 2.11$ 5.67 2.28$ 6.52 2.57$ 7.17 12/1994
11/2009
2.82$ 4.78 0.00%
20Y 4.23 11/2003
10/2023
2.29$ 4.94 2.62$ 5.63 2.98$ 6.42 3.47$ 6.95 12/1994
11/2014
3.83$ 4.47 0.00%
30Y 5.33 12/1993
11/2023
4.75$ 5.33 4.75$ 5.33 4.75$ 5.33 4.75$ 5.33 12/1993
11/2023
4.75$ 5.33 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 -21.64 11/2021
10/2022
0.78$ -0.47 0.99$ 3.48 1.03$ 7.39 1.07$ 17.22 11/2008
10/2009
1.17$ 0.06 17.48%
2Y -12.19 01/2021
12/2022
0.77$ 1.17 1.02$ 3.54 1.07$ 6.26 1.12$ 13.25 11/2008
10/2010
1.28$ -9.24 10.09%
3Y -8.03 11/2020
10/2023
0.77$ 2.01 1.06$ 3.58 1.11$ 5.72 1.18$ 9.11 03/2009
02/2012
1.29$ -7.42 8.00%
5Y -2.75 11/2017
10/2022
0.86$ 2.34 1.12$ 3.44 1.18$ 5.02 1.27$ 7.62 01/1995
12/1999
1.44$ -1.53 6.98%
7Y -1.63 11/2016
10/2023
0.89$ 2.60 1.19$ 3.50 1.27$ 4.52 1.36$ 6.24 12/1994
11/2001
1.52$ -0.75 6.14%
10Y -0.29 11/2013
10/2023
0.97$ 2.84 1.32$ 3.54 1.41$ 4.15 1.50$ 5.57 01/1995
12/2004
1.71$ 0.16 0.41%
15Y 1.20 11/2007
10/2022
1.19$ 2.95 1.54$ 3.49 1.67$ 3.98 1.79$ 4.57 12/1994
11/2009
1.95$ 2.22 0.00%
20Y 1.62 11/2003
10/2023
1.37$ 2.42 1.61$ 3.42 1.96$ 4.05 2.21$ 4.60 02/1995
01/2015
2.45$ 1.83 0.00%
30Y 2.74 12/1993
11/2023
2.25$ 2.74 2.25$ 2.74 2.25$ 2.74 2.25$ 2.74 12/1993
11/2023
2.25$ 2.74 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 -15.57 11/2021
10/2022
0.84$ 2.48 1.02$ 6.76 1.06$ 12.13 1.12$ 33.33 04/1985
03/1986
1.33$ 3.41 8.33%
2Y -7.00 11/2021
10/2023
0.86$ 3.64 1.07$ 6.57 1.13$ 10.34 1.21$ 24.37 03/1985
02/1987
1.54$ -4.51 5.86%
3Y -2.77 11/2020
10/2023
0.91$ 4.02 1.12$ 6.60 1.21$ 9.76 1.32$ 17.54 03/1985
02/1988
1.62$ -2.10 3.47%
5Y 1.00 11/2017
10/2022
1.05$ 4.43 1.24$ 6.20 1.35$ 9.54 1.57$ 14.75 01/1985
12/1989
1.98$ 2.48 0.00%
7Y 1.81 11/2016
10/2023
1.13$ 4.78 1.38$ 6.25 1.52$ 9.37 1.87$ 13.63 01/1985
12/1991
2.44$ 2.76 0.00%
10Y 2.50 11/2013
10/2023
1.27$ 5.12 1.64$ 6.24 1.83$ 9.18 2.40$ 11.20 03/1985
02/1995
2.89$ 2.98 0.00%
15Y 3.62 11/2007
10/2022
1.70$ 5.36 2.18$ 6.35 2.51$ 8.31 3.31$ 10.82 01/1985
12/1999
4.67$ 4.78 0.00%
20Y 4.23 11/2003
10/2023
2.29$ 5.51 2.92$ 6.67 3.64$ 7.86 4.54$ 9.63 01/1985
12/2004
6.28$ 4.47 0.00%
30Y 5.10 11/1993
10/2023
4.44$ 5.69 5.26$ 6.78 7.15$ 7.23 8.11$ 8.31 01/1985
12/2014
10.96$ 5.33 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
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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 -21.64 11/2021
10/2022
0.78$ -0.32 0.99$ 4.02 1.04$ 9.43 1.09$ 30.71 05/1985
04/1986
1.30$ 0.06 16.45%
2Y -12.19 01/2021
12/2022
0.77$ 1.66 1.03$ 3.83 1.07$ 7.36 1.15$ 21.21 03/1985
02/1987
1.46$ -9.24 7.66%
3Y -8.03 11/2020
10/2023
0.77$ 2.17 1.06$ 3.97 1.12$ 6.52 1.20$ 14.06 03/1985
02/1988
1.48$ -7.42 6.02%
5Y -2.75 11/2017
10/2022
0.86$ 2.64 1.13$ 3.86 1.20$ 6.15 1.34$ 10.69 01/1985
12/1989
1.66$ -1.53 5.15%
7Y -1.63 11/2016
10/2023
0.89$ 2.88 1.22$ 3.85 1.30$ 6.04 1.50$ 9.33 01/1985
12/1991
1.86$ -0.75 4.43%
10Y -0.29 11/2013
10/2023
0.97$ 3.18 1.36$ 3.88 1.46$ 5.81 1.75$ 7.34 03/1985
02/1995
2.03$ 0.16 0.29%
15Y 1.20 11/2007
10/2022
1.19$ 3.23 1.60$ 3.81 1.75$ 5.24 2.15$ 7.41 01/1985
12/1999
2.92$ 2.22 0.00%
20Y 1.62 11/2003
10/2023
1.37$ 3.16 1.86$ 4.10 2.23$ 4.75 2.52$ 6.43 01/1985
12/2004
3.47$ 1.83 0.00%
30Y 2.51 11/1993
10/2023
2.10$ 3.11 2.50$ 4.22 3.45$ 4.48 3.72$ 5.46 03/1985
02/2015
4.93$ 2.74 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 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.
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Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.93
60%
-0.92
20%
-0.32
40%
0.40
80%
0.26
60%
0.51
80%
1.52
100%
-0.38
60%
-1.93
20%
0.04
60%
2.55
80%
0.03
60%
Best 3.9
2023
0.6
2019
2.7
2023
3.8
2020
1.4
2020
2.4
2019
3.4
2022
1.5
2019
0.0
2019
1.1
2021
5.2
2023
1.2
2020
Worst -2.4
2022
-2.6
2023
-4.1
2020
-4.6
2022
-0.8
2023
-2.9
2022
0.4
2019
-3.2
2022
-4.8
2022
-1.5
2023
-0.2
2021
-2.0
2022
Monthly Seasonality over the period Feb 1985 - Nov 2023
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Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.70
70%
-0.26
50%
0.14
70%
0.36
80%
0.39
70%
0.35
80%
1.10
90%
-0.07
60%
-1.06
30%
-0.01
60%
1.34
70%
0.11
60%
Best 3.9
2023
1.4
2014
2.7
2023
3.8
2020
1.4
2020
2.4
2019
3.4
2022
1.5
2014
0.2
2016
1.6
2015
5.2
2023
1.2
2020
Worst -2.4
2022
-2.6
2023
-4.1
2020
-4.6
2022
-0.8
2023
-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 Feb 1985 - Nov 2023
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Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.70
74%
0.31
67%
0.36
59%
0.62
79%
0.62
62%
0.51
74%
0.90
74%
0.42
69%
0.09
56%
0.47
72%
0.86
69%
1.03
79%
Best 3.9
2023
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
5.2
2023
4.8
2008
Worst -2.9
2009
-2.6
2023
-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 Feb 1985 - Nov 2023

Monthly Returns

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

VANGUARD LIFESTRATEGY INCOME FUND PORTFOLIO
Monthly Returns Distribution
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
246 Positive Months (68%) - 114 Negative Months (32%)
325 Positive Months (70%) - 142 Negative Months (30%)
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(Scroll down to see all data)
Investment Returns, up to December 2013, are simulated.
They have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, the series derived from equivalent datasets are:
  • VTI - Vanguard Total Stock Market, up to December 2001
  • VEU - Vanguard FTSE All-World ex-US, up to December 2007
  • BND - Vanguard Total Bond Market, up to December 2007
  • BNDX - Vanguard Total International Bond, up to December 2013

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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30 Years Stats (%)
% Allocation
Portfolio Author Return Dev.Std Drawdown Stocks Bonds Comm
Simplified Permanent Portfolio +6.75 6.88 -16.43 25 50 25
Desert Portfolio Gyroscopic Investing +6.48 5.50 -14.72 30 60 10
Permanent Portfolio Harry Browne +6.37 6.58 -15.92 25 50 25
Larry Portfolio Larry Swedroe +5.81 5.57 -15.96 30 70 0
Sheltered Sam 30/70 Bill Bernstein +5.62 5.22 -16.58 29.1 70 0.9
Stocks/Bonds 20/80 +5.54 4.90 -16.57 20 80 0
Dimensional Retirement Income Fund DFA +5.36 4.79 -12.91 20.4 79.6 0
LifeStrategy Income Fund Vanguard +5.33 4.77 -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 Author Return Dev.Std Drawdown Stocks Bonds Comm
High Yield Bonds Income +6.42 8.80 -23.97 0 100 0
Stocks/Bonds 20/80 Momentum +6.01 4.94 -17.91 20 80 0
All Country World 20/80 +5.64 5.63 -17.97 20 80 0
Stocks/Bonds 20/80 +5.54 4.90 -16.57 20 80 0
Dimensional Retirement Income Fund DFA +5.36 4.79 -12.91 20.4 79.6 0
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