Stocks/Bonds 80/20 Portfolio
The 80/20 Portfolio is a simple, balanced portfolio with an 80% equity and 20% fixed income allocation.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 20% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 80% |
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 11, 2025, the Stocks/Bonds 80/20 Portfolio returned -2.53% Year-To-Date and 9.88% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -3.77% | 7.44% | -5.60% | 8.37% | 14.12% | 10.46% |
| Stocks/Bonds 80/20 Portfolio | -2.53% | 6.53% | -4.30% | 8.54% | 12.06% | 9.88% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | -3.75% | 7.98% | -5.68% | 9.17% | 15.27% | 11.77% |
BND Vanguard Total Bond Market ETF | 2.21% | 0.98% | 1.19% | 5.53% | -0.78% | 1.51% |
Monthly Returns
The table below presents the monthly returns of Stocks/Bonds 80/20 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 | 2.55% | -1.09% | -4.66% | -0.51% | 1.32% | -2.53% | |||||||
| 2024 | 0.86% | 3.98% | 2.80% | -3.96% | 4.13% | 2.64% | 1.98% | 2.00% | 1.89% | -1.09% | 5.59% | -2.78% | 19.10% |
| 2023 | 6.20% | -2.45% | 2.70% | 0.98% | 0.11% | 5.36% | 2.91% | -1.69% | -4.35% | -2.42% | 8.43% | 4.96% | 21.79% |
| 2022 | -5.26% | -2.21% | 2.01% | -8.09% | -0.02% | -6.86% | 7.94% | -3.55% | -8.26% | 6.24% | 4.89% | -4.92% | -18.14% |
| 2021 | -0.44% | 2.21% | 2.70% | 4.21% | 0.40% | 2.18% | 1.62% | 2.25% | -3.79% | 5.35% | -1.14% | 2.97% | 19.77% |
| 2020 | 0.35% | -6.04% | -11.17% | 11.05% | 4.52% | 1.98% | 4.89% | 5.57% | -2.93% | -1.67% | 9.68% | 3.80% | 19.27% |
| 2019 | 7.06% | 2.87% | 1.50% | 3.14% | -4.85% | 5.87% | 1.16% | -1.13% | 1.30% | 1.75% | 3.04% | 2.25% | 26.15% |
| 2018 | 3.93% | -3.24% | -1.44% | 0.19% | 2.32% | 0.56% | 2.65% | 2.89% | 0.05% | -6.10% | 1.72% | -6.85% | -3.93% |
| 2017 | 1.52% | 3.08% | 0.04% | 1.01% | 0.95% | 0.77% | 1.59% | 0.29% | 1.86% | 1.73% | 2.42% | 1.05% | 17.53% |
| 2016 | -4.33% | 0.17% | 5.77% | 0.61% | 1.39% | 0.62% | 3.31% | 0.11% | 0.18% | -1.94% | 3.07% | 1.68% | 10.77% |
| 2015 | -1.70% | 4.26% | -0.82% | 0.43% | 0.94% | -1.56% | 1.54% | -4.93% | -2.12% | 6.36% | 0.42% | -1.75% | 0.55% |
| 2014 | -2.23% | 3.96% | 0.37% | 0.21% | 1.89% | 2.12% | -1.65% | 3.54% | -1.79% | 2.34% | 2.15% | -0.01% | 11.20% |
Expense Ratio
Stocks/Bonds 80/20 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
The current rank of Stocks/Bonds 80/20 Portfolio is 43, indicating average performance compared to other portfolios on our website. Here’s 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 | |
|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 0.47 | 0.83 | 1.12 | 0.51 | 1.94 |
BND Vanguard Total Bond Market ETF | 1.00 | 1.45 | 1.17 | 0.42 | 2.54 |
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Dividends
Dividend yield
Stocks/Bonds 80/20 Portfolio provided a 1.83% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.83% | 1.75% | 1.77% | 1.85% | 1.36% | 1.58% | 1.96% | 2.19% | 1.87% | 2.04% | 2.10% | 1.97% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.35% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
BND Vanguard Total Bond Market ETF | 3.75% | 3.67% | 3.09% | 2.60% | 1.97% | 2.22% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% | 2.79% |
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 80/20 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 80/20 Portfolio was 46.06%, occurring on Mar 9, 2009. Recovery took 483 trading sessions.
The current Stocks/Bonds 80/20 Portfolio drawdown is 6.15%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -46.06% | Oct 10, 2007 | 355 | Mar 9, 2009 | 483 | Feb 4, 2011 | 838 |
| -28.47% | Feb 20, 2020 | 23 | Mar 23, 2020 | 92 | Aug 3, 2020 | 115 |
| -23.4% | Dec 28, 2021 | 202 | Oct 14, 2022 | 317 | Jan 22, 2024 | 519 |
| -15.81% | Sep 21, 2018 | 65 | Dec 24, 2018 | 68 | Apr 3, 2019 | 133 |
| -15.55% | Jul 8, 2011 | 61 | Oct 3, 2011 | 83 | Feb 1, 2012 | 144 |
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 | 0.99 |
| BND | -0.16 | 1.00 | -0.16 | -0.09 |
| VTI | 0.99 | -0.16 | 1.00 | 1.00 |
| Portfolio | 0.99 | -0.09 | 1.00 | 1.00 |