Stocks/Bonds 20/80 Portfolio
The 20/80 Portfolio is a simple, balanced portfolio with a 20% equity and 80% fixed income allocation.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 80% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 20% |
Performance
Performance Chart
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The earliest data available for this chart is Apr 10, 2007, corresponding to the inception date of BND
Returns By Period
As of May 31, 2025, the Stocks/Bonds 20/80 Portfolio returned 2.15% Year-To-Date and 3.80% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.51% | 6.15% | -2.00% | 12.92% | 14.19% | 10.85% |
| Stocks/Bonds 20/80 Portfolio | 2.15% | 0.70% | 0.14% | 7.48% | 2.22% | 3.80% |
| Portfolio components: | ||||||
BND Vanguard Total Bond Market ETF | 2.49% | -0.67% | 0.77% | 5.82% | -1.00% | 1.54% |
VTI Vanguard Total Stock Market ETF | 0.38% | 6.25% | -2.68% | 13.67% | 15.23% | 12.13% |
Monthly Returns
The table below presents the monthly returns of Stocks/Bonds 20/80 Portfolio, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.08% | 1.33% | -1.14% | 0.17% | 0.70% | 2.15% | |||||||
| 2024 | 0.09% | -0.02% | 1.36% | -2.79% | 2.29% | 1.32% | 2.26% | 1.59% | 1.46% | -2.11% | 2.22% | -1.97% | 5.65% |
| 2023 | 4.04% | -2.61% | 2.68% | 0.69% | -0.84% | 1.19% | 0.64% | -0.92% | -2.96% | -1.74% | 5.51% | 3.91% | 9.55% |
| 2022 | -2.86% | -1.40% | -1.60% | -4.99% | 0.63% | -2.92% | 3.76% | -2.99% | -5.23% | 0.68% | 3.99% | -1.89% | -14.29% |
| 2021 | -0.76% | -0.60% | -0.25% | 1.70% | 0.22% | 1.23% | 1.28% | 0.42% | -1.72% | 1.38% | -0.14% | 0.42% | 3.16% |
| 2020 | 1.57% | -0.24% | -3.71% | 4.83% | 1.68% | 1.00% | 2.32% | 0.74% | -0.88% | -0.84% | 3.32% | 0.99% | 11.05% |
| 2019 | 2.61% | 0.69% | 1.81% | 0.77% | 0.11% | 2.38% | 0.40% | 1.78% | -0.11% | 0.67% | 0.74% | 0.52% | 13.05% |
| 2018 | 0.05% | -1.61% | 0.15% | -0.59% | 1.10% | 0.11% | 0.63% | 1.24% | -0.39% | -2.17% | 0.90% | -0.22% | -0.86% |
| 2017 | 0.52% | 1.24% | -0.02% | 0.85% | 0.77% | 0.23% | 0.70% | 0.71% | 0.12% | 0.41% | 0.53% | 0.68% | 6.95% |
| 2016 | -0.17% | 0.69% | 2.03% | 0.46% | 0.34% | 1.67% | 1.28% | -0.21% | 0.13% | -1.19% | -1.17% | 0.69% | 4.59% |
| 2015 | 1.38% | 0.03% | 0.20% | -0.14% | -0.14% | -1.23% | 1.04% | -1.43% | 0.12% | 1.63% | -0.18% | -0.58% | 0.68% |
| 2014 | 0.60% | 1.32% | -0.03% | 0.65% | 1.26% | 0.60% | -0.62% | 1.73% | -0.88% | 1.13% | 1.16% | 0.05% | 7.16% |
Expense Ratio
Stocks/Bonds 20/80 Portfolio has an expense ratio of 0.03%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 79, Stocks/Bonds 20/80 Portfolio is among the top 21% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 1.10 | 1.60 | 1.19 | 0.47 | 2.79 |
VTI Vanguard Total Stock Market ETF | 0.68 | 0.98 | 1.14 | 0.63 | 2.36 |
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Dividends
Dividend yield
Stocks/Bonds 20/80 Portfolio provided a 3.25% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 3.25% | 3.19% | 2.76% | 2.41% | 1.82% | 2.06% | 2.53% | 2.66% | 2.38% | 2.39% | 2.46% | 2.58% |
| Portfolio components: | ||||||||||||
BND Vanguard Total Bond Market ETF | 3.74% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
VTI Vanguard Total Stock Market ETF | 1.29% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Stocks/Bonds 20/80 Portfolio. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Stocks/Bonds 20/80 Portfolio was 18.52%, occurring on Oct 20, 2022. Recovery took 476 trading sessions.
The current Stocks/Bonds 20/80 Portfolio drawdown is 0.40%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -18.52% | Nov 10, 2021 | 238 | Oct 20, 2022 | 476 | Sep 13, 2024 | 714 |
| -14.44% | May 20, 2008 | 101 | Oct 10, 2008 | 211 | Aug 13, 2009 | 312 |
| -10.51% | Feb 21, 2020 | 19 | Mar 18, 2020 | 44 | May 20, 2020 | 63 |
| -4.26% | Dec 9, 2024 | 82 | Apr 8, 2025 | — | — | — |
| -4.11% | May 22, 2013 | 23 | Jun 24, 2013 | 82 | Oct 18, 2013 | 105 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 2 assets, with an effective number of assets of 1.47, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | BND | VTI | Portfolio | |
|---|---|---|---|---|
| ^GSPC | 1.00 | -0.16 | 0.99 | 0.61 |
| BND | -0.16 | 1.00 | -0.15 | 0.60 |
| VTI | 0.99 | -0.15 | 1.00 | 0.61 |
| Portfolio | 0.61 | 0.60 | 0.61 | 1.00 |