Stocks/Bonds/Commodities 80/15/5 Portfolio
Stocks/Bonds/Commodities 80/15/5 Portfolio is a simple, balanced portfolio with a 80% equity and 15% fixed income allocation and 5% commodities (energy)
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 15% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 80% |
XLE Energy Select Sector SPDR Fund | Energy Equities | 5% |
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 14, 2025, the Stocks/Bonds/Commodities 80/15/5 Portfolio returned 0.59% Year-To-Date and 10.46% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | 0.08% | 9.75% | -1.63% | 12.74% | 15.66% | 10.77% |
| Stocks/Bonds/Commodities 80/15/5 Portfolio | 0.59% | 8.90% | -1.39% | 11.43% | 14.81% | 10.46% |
| Portfolio components: | ||||||
BND Vanguard Total Bond Market ETF | 1.82% | 0.70% | 1.61% | 5.03% | -1.00% | 1.41% |
VTI Vanguard Total Stock Market ETF | 0.15% | 10.50% | -1.75% | 13.52% | 16.93% | 12.09% |
XLE Energy Select Sector SPDR Fund | 0.91% | 8.72% | -7.05% | -5.33% | 23.98% | 4.67% |
Monthly Returns
The table below presents the monthly returns of Stocks/Bonds/Commodities 80/15/5 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 | 2.63% | -1.00% | -4.47% | -1.23% | 4.92% | 0.59% | |||||||
| 2024 | 0.84% | 4.21% | 3.27% | -3.88% | 4.03% | 2.53% | 1.98% | 1.82% | 1.68% | -0.92% | 5.93% | -3.19% | 19.35% |
| 2023 | 6.18% | -2.66% | 2.57% | 1.09% | -0.34% | 5.71% | 3.30% | -1.56% | -4.06% | -2.63% | 8.19% | 4.81% | 21.62% |
| 2022 | -4.21% | -1.68% | 2.75% | -7.98% | 0.79% | -7.75% | 8.31% | -3.28% | -8.52% | 7.55% | 4.73% | -5.01% | -15.10% |
| 2021 | -0.21% | 3.43% | 2.92% | 4.20% | 0.66% | 2.34% | 1.14% | 2.18% | -3.37% | 5.87% | -1.41% | 3.14% | 22.59% |
| 2020 | -0.30% | -6.85% | -12.60% | 12.48% | 4.54% | 1.86% | 4.57% | 5.57% | -3.57% | -1.85% | 10.99% | 4.02% | 17.28% |
| 2019 | 7.57% | 2.98% | 1.52% | 3.14% | -5.48% | 6.28% | 1.07% | -1.67% | 1.51% | 1.63% | 3.12% | 2.49% | 26.26% |
| 2018 | 4.17% | -3.72% | -1.40% | 0.71% | 2.44% | 0.59% | 2.73% | 2.69% | 0.19% | -6.62% | 1.63% | -7.57% | -4.87% |
| 2017 | 1.35% | 2.96% | -0.03% | 0.82% | 0.75% | 0.77% | 1.70% | -0.03% | 2.38% | 1.69% | 2.51% | 1.28% | 17.32% |
| 2016 | -4.56% | -0.01% | 6.25% | 1.04% | 1.33% | 0.66% | 3.21% | 0.20% | 0.35% | -2.04% | 3.63% | 1.75% | 12.02% |
| 2015 | -2.05% | 4.57% | -0.91% | 0.77% | 0.69% | -1.68% | 1.11% | -5.14% | -2.51% | 6.91% | 0.43% | -2.28% | -0.66% |
| 2014 | -2.60% | 4.19% | 0.49% | 0.43% | 1.92% | 2.40% | -1.81% | 3.60% | -2.15% | 2.13% | 1.71% | -0.03% | 10.49% |
Expense Ratio
Stocks/Bonds/Commodities 80/15/5 Portfolio has an expense ratio of 0.04%, 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/Commodities 80/15/5 Portfolio is 38, 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 | |
|---|---|---|---|---|---|
BND Vanguard Total Bond Market ETF | 0.96 | 1.33 | 1.16 | 0.38 | 2.33 |
VTI Vanguard Total Stock Market ETF | 0.67 | 1.09 | 1.16 | 0.71 | 2.69 |
XLE Energy Select Sector SPDR Fund | -0.21 | -0.16 | 0.98 | -0.30 | -0.80 |
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Dividends
Dividend yield
Stocks/Bonds/Commodities 80/15/5 Portfolio provided a 1.77% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.77% | 1.73% | 1.79% | 1.91% | 1.48% | 1.75% | 2.11% | 2.23% | 1.90% | 2.03% | 2.14% | 1.95% |
| Portfolio components: | ||||||||||||
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% |
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% |
XLE Energy Select Sector SPDR Fund | 3.33% | 3.36% | 3.55% | 3.68% | 4.21% | 5.62% | 5.73% | 3.54% | 3.03% | 2.26% | 3.39% | 2.35% |
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/Commodities 80/15/5 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/Commodities 80/15/5 Portfolio was 47.99%, occurring on Mar 9, 2009. Recovery took 485 trading sessions.
The current Stocks/Bonds/Commodities 80/15/5 Portfolio drawdown is 3.46%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -47.99% | Oct 10, 2007 | 355 | Mar 9, 2009 | 485 | Feb 8, 2011 | 840 |
| -31.01% | Feb 20, 2020 | 23 | Mar 23, 2020 | 97 | Aug 10, 2020 | 120 |
| -21.12% | Jan 5, 2022 | 186 | Sep 30, 2022 | 302 | Dec 13, 2023 | 488 |
| -17.22% | Sep 21, 2018 | 65 | Dec 24, 2018 | 71 | Apr 8, 2019 | 136 |
| -17.18% | May 2, 2011 | 108 | Oct 3, 2011 | 85 | Feb 3, 2012 | 193 |
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 3 assets, with an effective number of assets of 1.50, 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 | XLE | VTI | Portfolio | |
|---|---|---|---|---|---|
| ^GSPC | 1.00 | -0.16 | 0.64 | 0.99 | 0.99 |
| BND | -0.16 | 1.00 | -0.20 | -0.16 | -0.12 |
| XLE | 0.64 | -0.20 | 1.00 | 0.64 | 0.69 |
| VTI | 0.99 | -0.16 | 0.64 | 1.00 | 1.00 |
| Portfolio | 0.99 | -0.12 | 0.69 | 1.00 | 1.00 |