80/20 vs
Open in Compare portfoliosApr 10, 2007 – Oct 2, 2026, Rebalanced annually, BND sets the start date
Growth of $10,000
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Key metrics
| Return | 80/20 | 70/30 |
|---|---|---|
| Final balance | $58,751 | $51,645 |
| Total return | +487.51% | +416.45% |
| CAGR | +9.52% | +8.79% |
| Calendar years | 80/20 | 70/30 |
|---|---|---|
| Best year | +26.34% | +24.12% |
| Worst year | −28.22% | −23.83% |
| Positive years | 15 of 18 | 15 of 18 |
| Risk | 80/20 | 70/30 |
|---|---|---|
| Max drawdown | −45.26% | −39.74% |
| Longest drawdown | 3.3 years | 3.2 years |
| Volatility (annualized) | 15.52% | 13.51% |
| Risk-adjusted | 80/20 | 70/30 |
|---|---|---|
| Sharpe ratio | 0.66 | 0.69 |
| Sortino ratio | 0.93 | 0.97 |
| Calmar ratio | 0.21 | 0.22 |
Trailing returns
| Period | 80/20 | 70/30 | 80/20 − 70/30 |
|---|---|---|---|
| YTD | +10.43% | +8.79% | +1.64% |
| 1Y | +12.29% | +10.48% | +1.81% |
| 3Y | +19.11% | +17.26% | +1.84% |
| 5Y | +9.95% | +8.67% | +1.28% |
| 10Y | +12.17% | +10.83% | +1.34% |
| 15Y | +12.65% | +11.32% | +1.34% |
Rolling returns
| Period | 80/20 median | 70/30 median | More often ahead |
|---|---|---|---|
| 1Y | +12.95% | +11.72% | 80/20 74% |
| 3Y | +10.94% | +9.99% | 80/20 90% |
| 5Y | +11.12% | +9.93% | 80/20 92% |
| 10Y | +10.94% | +9.86% | 80/20 100% |
Worst drawdowns · 80/20
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −45.3% | Oct 2007 | Mar 2009 | Jan 2011 | 3.3 years |
| −28.5% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −23.4% | Dec 2021 | Oct 2022 | Jan 2024 | 2.1 years |
| −16.2% | Sep 2018 | Dec 2018 | Apr 2019 | 6 months |
| −15.5% | Jul 2011 | Oct 2011 | Feb 2012 | 7 months |
| 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 |
Annual returns
| Year | 80/20 | 70/30 | 80/20 − 70/30 |
|---|---|---|---|
| 2017 | +17.77% | +16.05% | +1.72% |
| 2018 | −4.16% | −3.63% | −0.54% |
| 2019 | +26.30% | +24.12% | +2.18% |
| 2020 | +18.40% | +17.07% | +1.34% |
| 2021 | +20.17% | +17.42% | +2.75% |
| 2022 | −18.24% | −17.60% | −0.64% |
| 2023 | +21.97% | +19.93% | +2.04% |
| 2024 | +19.32% | +17.08% | +2.24% |
| 2025 | +15.10% | +14.09% | +1.00% |
| 2026to Oct 2 | +10.43% | +8.79% | +1.64% |
Holdings
About 80/20 vs 70/30
Both hold the same two funds, the total US stock market and the broad US bond market. The 80/20 has 10% more in stocks, so it tends to grow faster and to fall further in a crash.
The 80/20 returned 9.5% a year from Apr 2007 to Oct 2026, against 8.8% for the 70/30. Both fell furthest in 2007–2009, the 80/20 by 45.3% and the 70/30 by 39.7%. The 80/20 beat the 70/30 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.