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
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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 29, 2025, the 50/50 Stocks/Bonds returned 1.16% Year-To-Date and 7.01% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.12% | 6.51% | -1.84% | 10.98% | 14.10% | 10.82% |
| 50/50 Stocks/Bonds | 1.16% | 2.81% | -0.79% | 8.78% | 7.01% | 7.01% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | 0.14% | 6.70% | -2.37% | 11.92% | 15.18% | 12.12% |
BND Vanguard Total Bond Market ETF | 1.93% | -1.03% | 0.59% | 5.31% | -1.11% | 1.42% |
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 | 1.81% | 0.11% | -2.89% | -0.17% | 2.38% | 1.16% | |||||||
| 2024 | 0.48% | 1.99% | 2.10% | -3.38% | 3.21% | 1.99% | 2.12% | 1.79% | 1.67% | -1.60% | 3.92% | -2.38% | 12.25% |
| 2023 | 5.12% | -2.53% | 2.68% | 0.83% | -0.36% | 3.29% | 1.78% | -1.31% | -3.66% | -2.08% | 6.96% | 4.44% | 15.57% |
| 2022 | -4.06% | -1.80% | 0.17% | -6.53% | 0.31% | -4.85% | 5.84% | -3.28% | -6.76% | 3.45% | 4.45% | -3.45% | -16.16% |
| 2021 | -0.60% | 0.81% | 1.24% | 2.96% | 0.31% | 1.71% | 1.45% | 1.34% | -2.77% | 3.36% | -0.65% | 1.71% | 11.26% |
| 2020 | 0.96% | -3.13% | -7.32% | 7.93% | 3.14% | 1.49% | 3.61% | 3.19% | -1.95% | -1.26% | 6.50% | 2.43% | 15.64% |
| 2019 | 4.84% | 1.81% | 1.64% | 1.96% | -2.41% | 4.10% | 0.78% | 0.32% | 0.59% | 1.21% | 1.89% | 1.40% | 19.51% |
| 2018 | 1.99% | -2.44% | -0.66% | -0.20% | 1.71% | 0.34% | 1.64% | 2.07% | -0.16% | -4.14% | 1.30% | -3.47% | -2.24% |
| 2017 | 1.02% | 2.16% | 0.01% | 0.93% | 0.86% | 0.50% | 1.14% | 0.50% | 0.99% | 1.07% | 1.48% | 0.87% | 12.15% |
| 2016 | -2.24% | 0.44% | 3.85% | 0.53% | 0.86% | 1.14% | 2.30% | -0.05% | 0.15% | -1.57% | 0.95% | 1.20% | 7.69% |
| 2015 | -0.15% | 2.11% | -0.31% | 0.14% | 0.40% | -1.40% | 1.29% | -3.19% | -0.97% | 4.00% | 0.13% | -1.17% | 0.70% |
| 2014 | -0.81% | 2.62% | 0.17% | 0.43% | 1.58% | 1.36% | -1.14% | 2.63% | -1.34% | 1.73% | 1.66% | 0.02% | 9.18% |
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 60, 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 | 0.59 | 1.02 | 1.15 | 0.66 | 2.47 |
BND Vanguard Total Bond Market ETF | 1.01 | 1.34 | 1.16 | 0.39 | 2.34 |
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Dividends
Dividend yield
50/50 Stocks/Bonds provided a 2.53% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.53% | 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 | 1.30% | 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 | 3.77% | 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 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 29.22%, occurring on Mar 9, 2009. Recovery took 271 trading sessions.
The current 50/50 Stocks/Bonds drawdown is 1.90%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -29.22% | Oct 10, 2007 | 355 | Mar 9, 2009 | 271 | Apr 6, 2010 | 626 |
| -20.62% | Nov 8, 2021 | 236 | Oct 14, 2022 | 349 | Mar 7, 2024 | 585 |
| -18.59% | Feb 20, 2020 | 22 | Mar 20, 2020 | 54 | Jun 8, 2020 | 76 |
| -9.91% | Dec 9, 2024 | 82 | Apr 8, 2025 | — | — | — |
| -9.48% | Aug 30, 2018 | 80 | Dec 24, 2018 | 41 | Feb 25, 2019 | 121 |
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 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 | 0.09 |
| VTI | 0.99 | -0.15 | 1.00 | 0.96 |
| Portfolio | 0.95 | 0.09 | 0.96 | 1.00 |