70/30 Portfolio
Apr 10, 2007 – Nov 12, 2026, Rebalanced annually, BND starts Apr 10, 2007
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| 70/30 | $51,335 | +8.71% | −39.74% | 0.69 |
| S&P 500 | $74,751 | +10.81% | −55.19% | 0.62 |
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| 70/30 | $51,335 | +8.71% | −39.74% | 0.69 |
| S&P 500 | $74,751 | +10.81% | −55.19% | 0.62 |
| 70/30 | S&P 500 | |
|---|---|---|
| Final balance | $51,335 | $74,751 |
| CAGR | +8.71% | +10.81% |
| Max drawdown | −39.74% | −55.19% |
| Sharpe ratio | 0.69 | 0.62 |
Loading the growth chart…
Growth of $10,000
Key metrics
| Return | 70/30 | S&P 500 |
|---|---|---|
| Final balance | $51,335 | $74,751 |
| Total return | +413.35% | +647.51% |
| CAGR | +8.71% | +10.81% |
| Calendar years | 70/30 | S&P 500 |
|---|---|---|
| Best year | +24.12% | +32.31% |
| Worst year | −23.83% | −36.80% |
| Positive years | 15 of 18 | 15 of 18 |
| Risk | 70/30 | S&P 500 |
|---|---|---|
| Max drawdown | −39.74% | −55.19% |
| Longest drawdown | 3.2 years | 4.9 years |
| Volatility (daily, annualized) | 13.51% | 19.62% |
| Risk-adjusted | 70/30 | S&P 500 |
|---|---|---|
| Sharpe ratio | 0.69 | 0.62 |
| Sortino ratio | 0.96 | 0.88 |
| Calmar ratio | 0.22 | 0.20 |
Annual returns
| Year | 70/30 | S&P 500 |
|---|---|---|
| 2017 | +15.92% | +21.71% |
| 2018 | −3.70% | −4.57% |
| 2019 | +24.12% | +31.22% |
| 2020 | +17.07% | +18.33% |
| 2021 | +17.42% | +28.73% |
| 2022 | −17.60% | −18.18% |
| 2023 | +19.93% | +26.18% |
| 2024 | +17.08% | +24.89% |
| 2025 | +14.09% | +17.72% |
| 2026 to Nov 12 | +8.07% | +11.89% |
Worst drawdowns
| 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 |
About the 70/30 Portfolio
The 70/30 portfolio holds 70% stocks and 30% bonds, between the 60/40 and the 80/20.
Compared with the 60/40, the extra stocks usually mean more growth over long periods, and deeper drops along the way.
Its worst fall took 3.2 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.