50/50 Stocks/Bonds
A 50/50 Stocks/Bonds portfolio is an investment strategy that allocates 50% of assets to a high-income bonds fund and 50% to a large-cap stocks fund. This portfolio is designed to balance the potential for higher returns from stocks with the stability and income generation of bonds.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 50% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 50% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 50/50 Stocks/Bonds, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced every 3 months.
The earliest data available for this chart is Apr 10, 2007, corresponding to the inception date of BND
Returns By Period
As of Apr 28, 2025, the 50/50 Stocks/Bonds returned -4.23% Year-To-Date and 7.97% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -6.06% | -1.00% | -4.87% | 8.34% | 14.11% | 10.27% |
| 50/50 Stocks/Bonds | -4.23% | -0.74% | -3.06% | 8.55% | 9.81% | 7.97% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | -6.29% | -1.02% | -4.58% | 8.93% | 15.27% | 11.56% |
BND Vanguard Total Bond Market ETF | 2.74% | 0.14% | 1.94% | 7.37% | -0.83% | 1.45% |
Monthly Returns
The table below presents the monthly returns of 50/50 Stocks/Bonds, 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 | 2.48% | -0.98% | -4.50% | -1.17% | -4.23% | ||||||||
| 2024 | 0.78% | 3.55% | 2.66% | -3.87% | 3.99% | 2.54% | 2.00% | 1.97% | 1.86% | -1.16% | 5.37% | -2.73% | 17.86% |
| 2023 | 5.84% | -2.48% | 2.70% | 0.93% | -0.04% | 4.72% | 2.62% | -1.59% | -4.17% | -2.34% | 8.06% | 4.83% | 19.91% |
| 2022 | -4.92% | -2.09% | 1.48% | -7.66% | 0.07% | -6.27% | 7.17% | -3.45% | -7.71% | 5.22% | 4.73% | -4.39% | -17.69% |
| 2021 | -0.51% | 1.56% | 2.04% | 3.72% | 0.36% | 2.00% | 1.56% | 1.94% | -3.44% | 4.68% | -0.98% | 2.54% | 16.31% |
| 2020 | 0.68% | -4.42% | -8.98% | 8.71% | 3.49% | 1.66% | 4.08% | 4.06% | -2.30% | -1.44% | 7.87% | 3.04% | 16.13% |
| 2019 | 5.50% | 2.13% | 1.62% | 2.41% | -3.34% | 4.77% | 0.93% | -0.24% | 0.86% | 1.41% | 2.33% | 1.73% | 21.74% |
| 2018 | 2.67% | -2.72% | -0.94% | -0.06% | 1.92% | 0.41% | 2.03% | 2.39% | -0.08% | -5.00% | 1.48% | -4.96% | -3.21% |
| 2017 | 1.13% | 2.37% | 0.02% | 0.95% | 0.88% | 0.57% | 1.26% | 0.44% | 1.23% | 1.27% | 1.76% | 0.91% | 13.55% |
| 2016 | -2.55% | 0.40% | 4.13% | 0.54% | 0.93% | 1.07% | 2.41% | -0.03% | 0.16% | -1.63% | 1.27% | 1.26% | 8.10% |
| 2015 | -0.38% | 2.43% | -0.39% | 0.19% | 0.48% | -1.42% | 1.33% | -3.46% | -1.19% | 4.17% | 0.15% | -1.24% | 0.45% |
| 2014 | -0.94% | 2.74% | 0.19% | 0.41% | 1.60% | 1.42% | -1.20% | 2.74% | -1.39% | 1.80% | 1.72% | 0.01% | 9.37% |
Expense Ratio
50/50 Stocks/Bonds 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 50/50 Stocks/Bonds is 49, 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 | 0.80 | 1.12 | 0.49 | 1.99 |
BND Vanguard Total Bond Market ETF | 1.33 | 1.93 | 1.23 | 0.52 | 3.43 |
Dividends
Dividend yield
50/50 Stocks/Bonds provided a 2.54% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.54% | 2.47% | 2.26% | 2.13% | 1.59% | 1.82% | 2.25% | 2.43% | 2.13% | 2.22% | 2.28% | 2.27% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.39% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
BND Vanguard Total Bond Market ETF | 3.69% | 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.
Worst Drawdowns
The table below displays the maximum drawdowns of the 50/50 Stocks/Bonds. 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 50/50 Stocks/Bonds was 24.95%, occurring on Mar 9, 2009. Recovery took 278 trading sessions.
The current 50/50 Stocks/Bonds drawdown is 7.70%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -24.95% | Oct 10, 2007 | 355 | Mar 9, 2009 | 278 | Apr 15, 2010 | 633 |
| -22.97% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -22.64% | Dec 28, 2021 | 202 | Oct 14, 2022 | 322 | Jan 29, 2024 | 524 |
| -14.83% | Feb 20, 2025 | 34 | Apr 8, 2025 | — | — | — |
| -12.21% | Sep 21, 2018 | 65 | Dec 24, 2018 | 59 | Mar 21, 2019 | 124 |
Volatility
Volatility Chart
The current 50/50 Stocks/Bonds volatility is 11.21%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 2 assets, with an effective number of assets of 2.00, 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 | 0.95 |
| BND | -0.16 | 1.00 | -0.15 | 0.05 |
| VTI | 0.99 | -0.15 | 1.00 | 0.96 |
| Portfolio | 0.95 | 0.05 | 0.96 | 1.00 |