50/50 Portfolio
Apr 10, 2007 – Nov 12, 2026, Rebalanced annually, BND starts Apr 10, 2007
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| 50/50 | $39,050 | +7.20% | −27.82% | 0.76 |
| S&P 500 | $74,751 | +10.81% | −55.19% | 0.62 |
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| 50/50 | $39,050 | +7.20% | −27.82% | 0.76 |
| S&P 500 | $74,751 | +10.81% | −55.19% | 0.62 |
| 50/50 | S&P 500 | |
|---|---|---|
| Final balance | $39,050 | $74,751 |
| CAGR | +7.20% | +10.81% |
| Max drawdown | −27.82% | −55.19% |
| Sharpe ratio | 0.76 | 0.62 |
Loading the growth chart…
Growth of $10,000
Key metrics
| Return | 50/50 | S&P 500 |
|---|---|---|
| Final balance | $39,050 | $74,751 |
| Total return | +290.50% | +647.51% |
| CAGR | +7.20% | +10.81% |
| Calendar years | 50/50 | S&P 500 |
|---|---|---|
| Best year | +19.75% | +32.31% |
| Worst year | −16.32% | −36.80% |
| Positive years | 15 of 18 | 15 of 18 |
| Risk | 50/50 | S&P 500 |
|---|---|---|
| Max drawdown | −27.82% | −55.19% |
| Longest drawdown | 2.4 years | 4.9 years |
| Volatility (daily, annualized) | 9.79% | 19.62% |
| Risk-adjusted | 50/50 | S&P 500 |
|---|---|---|
| Sharpe ratio | 0.76 | 0.62 |
| Sortino ratio | 1.07 | 0.88 |
| Calmar ratio | 0.26 | 0.20 |
Annual returns
| Year | 50/50 | S&P 500 |
|---|---|---|
| 2017 | +12.39% | +21.71% |
| 2018 | −2.68% | −4.57% |
| 2019 | +19.75% | +31.22% |
| 2020 | +14.40% | +18.33% |
| 2021 | +11.91% | +28.73% |
| 2022 | −16.32% | −18.18% |
| 2023 | +15.85% | +26.18% |
| 2024 | +12.60% | +24.89% |
| 2025 | +12.09% | +17.72% |
| 2026 to Nov 12 | +5.38% | +11.89% |
Worst drawdowns
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −27.8% | Oct 2007 | Mar 2009 | Mar 2010 | 2.4 years |
| −20.6% | Dec 2021 | Oct 2022 | Mar 2024 | 2.2 years |
| −18.6% | Feb 2020 | Mar 2020 | Jul 2020 | 5 months |
| −10.1% | Aug 2018 | Dec 2018 | Mar 2019 | 7 months |
| −9.8% | Dec 2024 | Apr 2025 | Jun 2025 | 7 months |
About the 50/50 Portfolio
The 50/50 portfolio holds equal parts stocks and bonds. It gives up some of the 60/40's growth for smaller drops. The Couch Potato is the same split with inflation-protected bonds.
In 2008 it lost less than half as much as the stock market. In 2022 bonds fell too, and the gap was much smaller.
Its worst fall took 2.4 years to recover, and it beat the S&P 500 in 4 of 18 full years.
Daily closes with dividends reinvested and fund fees included, before taxes and trading costs.