Apr 10, 2007 – Oct 2, 2026, Rebalanced annually, BND sets the start date
Growth of $10,000
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Key metrics
| Return | 70/30 | 60/40 |
|---|---|---|
| Final balance | $51,645 | $45,070 |
| Total return | +416.45% | +350.70% |
| CAGR | +8.79% | +8.04% |
| Calendar years | 70/30 | 60/40 |
|---|---|---|
| Best year | +24.12% | +21.93% |
| Worst year | −23.83% | −19.45% |
| Positive years | 15 of 18 | 15 of 18 |
| Risk | 70/30 | 60/40 |
|---|---|---|
| Max drawdown | −39.74% | −33.93% |
| Longest drawdown | 3.2 years | 2.5 years |
| Volatility (annualized) | 13.51% | 11.60% |
| Risk-adjusted | 70/30 | 60/40 |
|---|---|---|
| Sharpe ratio | 0.69 | 0.73 |
| Sortino ratio | 0.97 | 1.02 |
| Calmar ratio | 0.22 | 0.24 |
Trailing returns
| Period | 70/30 | 60/40 | 70/30 − 60/40 |
|---|---|---|---|
| YTD | +8.79% | +7.16% | +1.64% |
| 1Y | +10.48% | +8.67% | +1.81% |
| 3Y | +17.26% | +15.42% | +1.85% |
| 5Y | +8.67% | +7.37% | +1.29% |
| 10Y | +10.83% | +9.48% | +1.35% |
| 15Y | +11.32% | +9.97% | +1.35% |
Rolling returns
| Period | 70/30 median | 60/40 median | More often ahead |
|---|---|---|---|
| 1Y | +11.72% | +10.56% | 70/30 74% |
| 3Y | +9.99% | +9.08% | 70/30 90% |
| 5Y | +9.93% | +8.74% | 70/30 93% |
| 10Y | +9.86% | +8.77% | 70/30 100% |
Worst drawdowns · 70/30
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −39.7% | Oct 2007 | Mar 2009 | Dec 2010 | 3.2 years |
| −25.1% | Feb 2020 | Mar 2020 | Aug 2020 | 5 months |
| −22.5% | Dec 2021 | Oct 2022 | Jan 2024 | 2.1 years |
| −14.2% | Sep 2018 | Dec 2018 | Apr 2019 | 6 months |
| −13.4% | Dec 2024 | Apr 2025 | Jun 2025 | 7 months |
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −33.9% | Oct 2007 | Mar 2009 | Apr 2010 | 2.5 years |
| −21.8% | Feb 2020 | Mar 2020 | Jul 2020 | 5 months |
| −21.6% | Dec 2021 | Oct 2022 | Feb 2024 | 2.2 years |
| −12.1% | Sep 2018 | Dec 2018 | Mar 2019 | 6 months |
| −11.6% | Dec 2024 | Apr 2025 | Jun 2025 | 7 months |
Annual returns
| Year | 70/30 | 60/40 | 70/30 − 60/40 |
|---|---|---|---|
| 2017 | +16.05% | +14.33% | +1.72% |
| 2018 | −3.63% | −3.09% | −0.54% |
| 2019 | +24.12% | +21.93% | +2.18% |
| 2020 | +17.07% | +15.73% | +1.34% |
| 2021 | +17.42% | +14.66% | +2.75% |
| 2022 | −17.60% | −16.96% | −0.64% |
| 2023 | +19.93% | +17.89% | +2.04% |
| 2024 | +17.08% | +14.84% | +2.24% |
| 2025 | +14.09% | +13.09% | +1.00% |
| 2026to Oct 2 | +8.79% | +7.16% | +1.64% |
Holdings
About 70/30 vs 60/40
Both hold the same two funds, the total US stock market and the broad US bond market. The 70/30 has 10% more in stocks, so it tends to grow a little faster and to fall a little further in a crash.
The 70/30 returned 8.8% a year from Apr 2007 to Oct 2026, against 8.0% for the 60/40. Both fell furthest in 2007–2009, the 70/30 by 39.7% and the 60/40 by 33.9%. The 70/30 beat the 60/40 in 13 of 18 full years and in every rolling 10-year period.
Daily closes with dividends reinvested and fund fees included, before taxes and trading costs. Both rebalance once a year. The comparison starts on Apr 10, 2007, when BND's prices begin.