Original Morningstar Retiree Moderate ETF Portfolio: allocation, returns and risk
Original Morningstar Retiree Moderate ETF Portfolio has been tracked since 2008 and holds 11 funds.
Since inception the allocation returned 6.10% a year with a worst peak-to-trough decline of 24.61% and a Sharpe ratio of 0.58. Annualized volatility over the same period was 9.05%.
Compare this allocation with Bridgewater All Weather Portfolio, Bogleheads Three Fund Portfolio, Tyler Golden Butterfly Portfolio, or see all 68 lazy portfolios compared on return, drawdown and risk.
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Portfolio Overview
Buy and Hold (Annually Reblance)
USMegaStocks MGC 20%
USMidCap VO 7%
USSmallCap VB 3%
ForeignStocks EFA 7%
EmergingMktStocks VWO 1.5%
TIPS TIP 20%
ShortTermBonds BSV 11%
IntlTIPS WIP 3%
MortgageBonds MBB 8%
LongTermCorp LQD 13.5%
Cash CASH 6%
Simulated from 3/20/2008
Asset Allocation
| Symbol | Category/Sector | Target Weight |
|---|---|---|
|
MGC Vanguard Mega Cap Index Fund ETF Shares |
US Equity | 20% |
|
VO Vanguard Mid-Cap Index Fund ETF Shares |
US Equity | 7% |
|
VB Vanguard Small-Cap Index Fund ETF Shares |
US Equity | 3% |
|
EFA iShares MSCI EAFE ETF |
International Equity | 7% |
|
VWO Vanguard FTSE Emerging Markets Index Fund ETF Shares |
International Equity | 1.5% |
|
TIP iShares TIPS Bond ETF |
Fixed Income | 20% |
|
BSV Vanguard Short-Term Bond Index Fund ETF Shares |
Fixed Income | 11% |
|
WIP SPDR® FTSE International Government Inflation-Protected Bond ETF |
Fixed Income | 3% |
|
MBB iShares MBS ETF |
Fixed Income | 8% |
|
LQD iShares iBoxx $ Investment Grade Corporate Bond ETF |
Corporate Bond | 13.5% |
|
CASH CASH |
CASH | 6% |
Historical Performance
Original Morningstar Retiree Moderate ETF Portfolio Historical Returns
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Original Morningstar Retiree Moderate ETF Portfolio | NA | 10.13% | 8.39% | 7.64% | 6.27% | 6.78% | NA | 6.09% | 6.10% |
| VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) | NA | 14.20% | 14.72% | 15.60% | 12.93% | 14.20% | 10.38% | 11.16% | 11.04% |
| VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) | NA | 10.77% | 8.38% | 7.42% | 6.31% | 7.37% | 6.07% | 5.96% | 7.46% |
| Ticker/Portfolio | Last 1 Week | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 20 Yr | Common | Inception | YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 | 1987 | 1986 | 1985 | 1984 | 1983 | 1982 | 1981 | 1980 | 1979 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return (%) | Original Morn…Portfolio | 1.11 | 10.13 | 8.39 | 7.64 | 6.27 | 6.78 | NA | 6.09 | 6.10 | NA | 3.29 | 12.54 | 15.40 | -15.40 | 12.09 | 13.28 | 17.19 | -4.41 | 9.23 | 6.63 | -1.05 | 5.78 | 8.36 | 9.62 | 3.82 | 10.05 | 18.65 | -12.74 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| VFINX (VANGUA…R SHARES) | 1.42 | 14.20 | 14.72 | 15.60 | 12.93 | 14.20 | 10.38 | 11.16 | 11.04 | NA | 17.71 | 24.84 | 26.11 | -18.23 | 28.54 | 18.78 | 31.33 | -4.52 | 21.67 | 11.82 | 1.25 | 13.51 | 32.18 | 15.82 | 1.97 | 14.91 | 26.49 | -37.02 | 5.39 | 15.64 | 4.77 | 10.74 | 28.50 | -22.15 | -12.02 | -9.06 | 21.05 | 28.59 | 33.21 | 22.86 | 37.45 | 1.18 | 10.13 | 8.22 | 31.96 | -3.34 | 28.41 | 14.89 | 3.98 | 9.31 | 22.71 | 3.67 | 17.07 | 19.25 | -8.55 | 27.89 | -2.07 | |
| VSMGX (VANGUA…R SHARES) | 1.13 | 10.77 | 8.38 | 7.42 | 6.31 | 7.37 | 6.07 | 5.96 | 7.46 | NA | 16.24 | 10.31 | 15.49 | -16.00 | 10.08 | 13.60 | 19.30 | -6.26 | 14.86 | 7.09 | -2.20 | 6.38 | 14.72 | 9.82 | 0.11 | 13.14 | 20.33 | -26.50 | 7.24 | 13.31 | 5.69 | 11.75 | 22.40 | -10.32 | -4.78 | 1.16 | 13.98 | 21.47 | 17.90 | 10.77 | 26.58 | 2.04 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Sharpe Ratio | Original Morn…Portfolio | NA | 0.59 | 0.47 | 0.55 | 0.52 | NA | NA | NA | NA | NA | 0.13 | 1.13 | 1.45 | -1.18 | 1.66 | 0.82 | 2.94 | -0.82 | 2.87 | 1.17 | -0.19 | 1.32 | 1.52 | 1.90 | 0.44 | 1.29 | 1.65 | -0.85 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| VFINX (VANGUA…R SHARES) | NA | 0.61 | 1.15 | 0.47 | 0.74 | NA | NA | NA | NA | 0.55 | 0.80 | 1.67 | 1.73 | -0.82 | 2.18 | 0.53 | 2.39 | -0.35 | 3.16 | 0.88 | 0.08 | 1.18 | 2.90 | 1.25 | 0.08 | 0.82 | 0.97 | -0.92 | 0.14 | 1.22 | 0.24 | 0.88 | 1.63 | -0.90 | -0.68 | -0.60 | 0.97 | 1.23 | 1.61 | 1.62 | 4.31 | -0.19 | 0.90 | 0.57 | 1.90 | -0.55 | 1.72 | 0.58 | -0.01 | 0.30 | 1.48 | -0.26 | 0.79 | 0.63 | -1.30 | 1.17 | -3.84 | |
| VSMGX (VANGUA…R SHARES) | NA | 0.48 | 1.15 | 0.26 | 0.60 | NA | NA | NA | NA | 0.37 | 1.36 | 0.87 | 1.44 | -1.22 | 1.32 | 0.70 | 2.77 | -0.87 | 3.76 | 0.83 | -0.26 | 1.01 | 2.16 | 1.23 | 0.01 | 1.18 | 1.12 | -0.98 | 0.40 | 1.34 | 0.49 | 1.48 | 2.09 | -0.75 | -0.59 | -0.25 | 1.06 | 1.55 | 1.56 | 0.91 | 4.18 | 4.60 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Standard Deviation(%) | Original Morn…Portfolio | NA | 11.52 | 10.80 | 10.25 | 9.32 | NA | NA | NA | NA | NA | 14.88 | 7.90 | 8.12 | 14.28 | 7.27 | 15.83 | 5.34 | 7.07 | 2.99 | 5.50 | 5.80 | 4.37 | 5.47 | 5.03 | 8.66 | 7.69 | 11.22 | 15.65 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| VFINX (VANGUA…R SHARES) | NA | 13.58 | 15.11 | 17.12 | 18.19 | NA | NA | NA | NA | 13.85 | 18.66 | 12.67 | 13.09 | 24.19 | 13.10 | 34.68 | 12.48 | 17.11 | 6.68 | 13.11 | 15.50 | 11.39 | 11.07 | 12.74 | 23.36 | 18.07 | 27.21 | 40.99 | 16.02 | 10.04 | 10.29 | 11.10 | 17.04 | 25.96 | 21.55 | 22.20 | 18.17 | 20.47 | 18.21 | 11.77 | 7.77 | 9.92 | 8.83 | 9.93 | 14.68 | 16.06 | 13.09 | 17.07 | 33.80 | 16.54 | 11.63 | 12.80 | 13.62 | 18.09 | 14.61 | 16.53 | 23.80 | |
| VSMGX (VANGUA…R SHARES) | NA | 9.51 | 9.10 | 10.25 | 10.37 | NA | NA | NA | NA | 9.88 | 9.89 | 7.69 | 8.26 | 14.34 | 7.62 | 19.08 | 6.43 | 8.81 | 3.80 | 8.31 | 8.51 | 6.28 | 6.80 | 7.98 | 14.68 | 11.10 | 18.01 | 27.95 | 10.37 | 7.43 | 6.96 | 7.25 | 10.38 | 15.37 | 12.42 | 12.28 | 10.05 | 11.62 | 9.10 | 7.74 | 5.41 | 15.57 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Draw Down(%) | Original Morn…Portfolio | NA | 10.97 | 12.22 | 20.35 | 20.35 | NA | NA | NA | NA | NA | 10.97 | 4.54 | 7.50 | 20.07 | 3.20 | 18.80 | 2.41 | 9.50 | 1.35 | 3.57 | 6.29 | 3.26 | 5.71 | 3.48 | 7.14 | 5.29 | 10.76 | 24.47 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| VFINX (VANGUA…R SHARES) | NA | 8.91 | 18.76 | 24.58 | 33.81 | NA | NA | NA | NA | 8.91 | 18.76 | 8.45 | 9.97 | 24.58 | 5.13 | 33.81 | 6.63 | 19.40 | 2.60 | 10.29 | 12.05 | 7.30 | 5.60 | 9.60 | 18.69 | 15.66 | 27.17 | 47.72 | 9.88 | 7.47 | 7.01 | 7.47 | 13.79 | 33.01 | 29.17 | 16.55 | 11.81 | 19.20 | 10.79 | 7.45 | 2.50 | 8.48 | 4.84 | 5.63 | 5.57 | 19.20 | 7.35 | 7.24 | 33.08 | 11.60 | 7.43 | 10.58 | 7.02 | 13.21 | 15.61 | 16.03 | 2.40 | |
| VSMGX (VANGUA…R SHARES) | NA | 6.64 | 9.62 | 22.28 | 22.43 | NA | NA | NA | NA | 6.64 | 9.62 | 4.17 | 8.15 | 21.74 | 3.53 | 22.43 | 3.12 | 11.47 | 1.14 | 6.20 | 8.34 | 4.70 | 5.67 | 6.27 | 12.91 | 8.64 | 19.61 | 36.80 | 6.11 | 6.13 | 4.74 | 5.89 | 8.91 | 20.05 | 17.93 | 8.77 | 6.26 | 11.99 | 6.02 | 4.75 | 1.82 | 1.89 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Yield(%) | Original Morn…Portfolio | NA | 2.93 | 2.69 | 2.59 | 2.11 | NA | NA | 2.31 | NA | NA | NA | 0.91 | 2.73 | 2.47 | 2.46 | 2.26 | 2.36 | 1.69 | 0.43 | 2.62 | 1.50 | 1.93 | 1.73 | 2.27 | 2.92 | 2.82 | 3.10 | 2.78 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| VFINX (VANGUA…R SHARES) | 0.00 | 1.07 | 1.59 | 1.42 | 2.79 | 4.15 | 3.26 | 17.32 | NA | 0.81 | 1.20 | 1.41 | 1.69 | 1.26 | 1.48 | 2.12 | 2.28 | 1.81 | 2.00 | 2.14 | 1.97 | 1.96 | 2.19 | 2.30 | 1.92 | 1.88 | 2.45 | 1.88 | 1.91 | 1.83 | 1.79 | 1.91 | 1.71 | 1.28 | 1.08 | 0.97 | 2.11 | 1.93 | 2.77 | 2.64 | 3.14 | 3.13 | 3.83 | 3.10 | 5.86 | 3.71 | 4.46 | 4.31 | 2.79 | 3.90 | 4.71 | 4.49 | 5.04 | 5.34 | 4.64 | 5.79 | 0.00 | |
| VSMGX (VANGUA…R SHARES) | 0.00 | 5.03 | 6.15 | 4.28 | 4.59 | 4.61 | 3.95 | 7.57 | NA | 1.04 | 5.80 | 7.43 | 4.45 | 2.18 | 4.11 | 3.77 | 2.85 | 2.41 | 2.40 | 2.34 | 2.10 | 2.20 | 2.14 | 2.47 | 2.22 | 2.38 | 2.79 | 2.66 | 3.04 | 2.89 | 2.53 | 3.74 | 2.48 | 2.67 | 2.88 | 6.36 | 5.93 | 7.27 | 3.78 | 3.63 | 3.65 | 2.91 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Data as of 06/04/2025, Common starting date is 03/20/2008
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Original Morningstar Retiree Moderate ETF Portfolio Historical Return Chart
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Rolling Returns
From 03/20/2008 to 06/04/2025, the worst annualized return of 3-year rolling returns for Original Morningstar Retiree Moderate ETF Portfolio is
2.05%.
From 03/20/2008 to 06/04/2025, the worst annualized return of 5-year rolling returns for Original Morningstar Retiree Moderate ETF Portfolio is
2.7%.
From 03/20/2008 to 06/04/2025, the worst annualized return of 10-year rolling returns for Original Morningstar Retiree Moderate ETF Portfolio is
4.29%.
Maximum Drawdown
Original Morningstar Retiree Moderate ETF Portfolio Maximum Drawdown
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