Data Source: from January 1970 to November 2023 (~54 years)
Consolidated Returns as of 30 November 2023
Live Update: Dec 22 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.14%
1 Day
Dec 22 2023
4.66%
Current Month
December 2023
The Rick Ferri Core Four Portfolio is a Very High Risk portfolio and can be implemented with 4 ETFs.
It's exposed for 80% on the Stock Market.
In the last 30 Years, the Rick Ferri Core Four Portfolio obtained a 7.94% compound annual return, with a 12.21% standard deviation.
Table of contents
Asset Allocation and ETFs
The Rick Ferri Core Four Portfolio has the following asset allocation:
80% Stocks
20% Fixed Income
0% Commodities
The Rick Ferri Core Four Portfolio can be implemented with the following ETFs:
| Weight (%) | Ticker | Currency | ETF Name | Investment Themes |
|---|---|---|---|---|
| 48.00 | VTI | USD | Vanguard Total Stock Market | Equity, U.S., Large Cap |
| 24.00 | VEU | USD | Vanguard FTSE All-World ex-US | Equity, Global ex-US, Large Cap |
| 8.00 | VNQ | USD | Vanguard Real Estate | Real Estate, U.S. |
| 20.00 | BND | USD | Vanguard Total Bond Market | Bond, U.S., All-Term |
Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.
Portfolio and ETF Returns as of Nov 30, 2023
The Rick Ferri Core Four Portfolio guaranteed the following returns.
Returns are calculated in USD, assuming:
- no fees or capital gain taxes.
- a rebalancing of the components at every January 1st. How do returns change with different rebalancing strategies?
- the reinvestment of dividends.
December 2023 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
RICK FERRI CORE FOUR PORTFOLIO
Consolidated returns as of 30 November 2023
Live Update: Dec 22 2023
Swipe left to see all data
| Chg (%) | Return (%) | Return (%) as of Nov 30, 2023 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 Day | Time ET(*) | Dec 2023 | 1M | 6M | 1Y | 5Y | 10Y | 30Y | MAX (~54Y) | |||
| Rick Ferri Core Four Portfolio | 0.14 | 4.66 | 8.41 | 6.35 | 8.15 | 7.56 | 7.22 | 7.94 | 9.57 | |||
| US Inflation Adjusted return | 8.63 | 5.34 | 4.86 | 3.39 | 4.31 | 5.30 | 5.39 | |||||
| Components | ||||||||||||
VTI | USD | Vanguard Total Stock Market | 0.23 | Dec 22 2023 | 5.03 | 9.42 | 10.04 | 12.72 | 11.71 | 11.16 | 9.90 | 10.49 |
VEU | USD | Vanguard FTSE All-World ex-US | 0.05 | Dec 22 2023 | 3.75 | 8.23 | 5.00 | 8.02 | 5.37 | 3.75 | 5.13 | 8.04 |
VNQ | USD | Vanguard Real Estate | 0.39 | Dec 22 2023 | 8.64 | 12.08 | 4.30 | -2.99 | 3.66 | 6.41 | 8.34 | 10.27 |
BND | USD | Vanguard Total Bond Market | -0.07 | Dec 22 2023 | 3.29 | 4.54 | -0.60 | 0.97 | 0.72 | 1.33 | 4.12 | 6.47 |
Returns over 1 year are annualized | Available data source: since Jan 1970
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Nov 2023. Current inflation (annualized) is 1Y: 3.14% , 5Y: 4.03% , 10Y: 2.80% , 30Y: 2.51%
Live update: World Markets and Indexes
In 2022, the Rick Ferri Core Four Portfolio granted a 1.93% dividend yield. If you are interested in getting periodic income, please refer to the Rick Ferri Core Four Portfolio: Dividend Yield page.
Capital Growth as of Nov 30, 2023
An investment of 1$, since December 1993, now would be worth 9.91$, with a total return of 890.89% (7.94% annualized).
The Inflation Adjusted Capital now would be 4.71$, with a net total return of 370.52% (5.30% annualized).
An investment of 1$, since January 1970, now would be worth 138.34$, with a total return of 13733.50% (9.57% annualized).
The Inflation Adjusted Capital now would be 16.98$, with a net total return of 1598.49% (5.39% annualized).
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Portfolio Metrics as of Nov 30, 2023
Metrics of Rick Ferri Core Four Portfolio, updated as of 30 November 2023.
Metrics are calculated based on monthly returns, assuming:
- no fees or capital gain taxes.
- a rebalancing of the components at every January 1st. How do returns change with different rebalancing strategies?
- the reinvestment of dividends.
RICK FERRI CORE FOUR PORTFOLIO
Advanced Metrics
Data Source: 1 January 1970 - 30 November 2023 (~54 years)
Swipe left to see all data
| Metrics as of Nov 30, 2023 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX (~54Y) | |
| Investment Return (%) | 8.41 | 1.09 | 6.35 | 8.15 | 4.02 | 7.56 | 7.22 | 7.69 | 7.94 | 9.57 |
| Infl. Adjusted Return (%) details | 8.63 | 1.09 | 5.34 | 4.86 | -1.56 | 3.39 | 4.31 | 4.98 | 5.30 | 5.39 |
| US Inflation (%) | -0.20 | 0.01 | 0.96 | 3.14 | 5.67 | 4.03 | 2.80 | 2.58 | 2.51 | 3.97 |
| Returns / Inflation rates over 1 year are annualized. | ||||||||||
DRAWDOWN Inflation Adjusted: Inflation Adjusted: | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Deepest Drawdown Depth (%) | -8.99 | -23.46 | -23.46 | -23.46 | -44.44 | -44.44 | -44.44 | |||
| Start to Recovery (# months) details | 4* | 23* | 23* | 23* | 40 | 40 | 40 | |||
| Start (yyyy mm) | 2023 08 | 2022 01 | 2022 01 | 2022 01 | 2007 11 | 2007 11 | 2007 11 | |||
| Start to Bottom (# months) | 3 | 9 | 9 | 9 | 16 | 16 | 16 | |||
| Bottom (yyyy mm) | 2023 10 | 2022 09 | 2022 09 | 2022 09 | 2009 02 | 2009 02 | 2009 02 | |||
| Bottom to End (# months) | 1 | 14 | 14 | 14 | 24 | 24 | 24 | |||
| End (yyyy mm) | - | - | - | - | 2011 02 | 2011 02 | 2011 02 | |||
| Longest Drawdown Depth (%) | same as deepest | same as deepest | same as deepest | same as deepest | same as deepest | -27.90 | -27.90 | |||
| Start to Recovery (# months) details | 42 | 42 | ||||||||
| Start (yyyy mm) | 2023 08 | 2022 01 | 2022 01 | 2022 01 | 2007 11 | 2000 09 | 2000 09 | |||
| Start to Bottom (# months) | 3 | 9 | 9 | 9 | 16 | 25 | 25 | |||
| Bottom (yyyy mm) | 2023 10 | 2022 09 | 2022 09 | 2022 09 | 2009 02 | 2002 09 | 2002 09 | |||
| Bottom to End (# months) | 1 | 14 | 14 | 14 | 24 | 17 | 17 | |||
| End (yyyy mm) | - | - | - | - | 2011 02 | 2004 02 | 2004 02 | |||
| Longest negative period (# months) details | 11 | 34 | 34 | 34 | 63 | 116 | 116 | |||
| Period Start (yyyy mm) | 2022 12 | 2021 01 | 2021 01 | 2021 01 | 2003 12 | 1999 07 | 1999 07 | |||
| Period End (yyyy mm) | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2009 02 | 2009 02 | 2009 02 | |||
| Annualized Return (%) | -0.26 | -0.03 | -0.03 | -0.03 | -1.09 | -0.01 | -0.01 | |||
| Drawdowns / Negative periods marked with * are in progress | ||||||||||
| Deepest Drawdown Depth (%) | -9.57 | -28.10 | -28.10 | -28.10 | -45.29 | -45.29 | -45.29 | |||
| Start to Recovery (# months) details | 4* | 23* | 23* | 23* | 63 | 63 | 63 | |||
| Start (yyyy mm) | 2023 08 | 2022 01 | 2022 01 | 2022 01 | 2007 11 | 2007 11 | 2007 11 | |||
| Start to Bottom (# months) | 3 | 9 | 9 | 9 | 16 | 16 | 16 | |||
| Bottom (yyyy mm) | 2023 10 | 2022 09 | 2022 09 | 2022 09 | 2009 02 | 2009 02 | 2009 02 | |||
| Bottom to End (# months) | 1 | 14 | 14 | 14 | 47 | 47 | 47 | |||
| End (yyyy mm) | - | - | - | - | 2013 01 | 2013 01 | 2013 01 | |||
| Longest Drawdown Depth (%) | -3.80 | same as deepest | same as deepest | same as deepest | same as deepest | same as deepest | -44.10 | |||
| Start to Recovery (# months) details | 5 | 122 | ||||||||
| Start (yyyy mm) | 2023 02 | 2022 01 | 2022 01 | 2022 01 | 2007 11 | 2007 11 | 1973 01 | |||
| Start to Bottom (# months) | 1 | 9 | 9 | 9 | 16 | 16 | 21 | |||
| Bottom (yyyy mm) | 2023 02 | 2022 09 | 2022 09 | 2022 09 | 2009 02 | 2009 02 | 1974 09 | |||
| Bottom to End (# months) | 4 | 14 | 14 | 14 | 47 | 47 | 101 | |||
| End (yyyy mm) | 2023 06 | - | - | - | 2013 01 | 2013 01 | 1983 02 | |||
| Longest negative period (# months) details | 11 | 36* | 48 | 58 | 68 | 140 | 151 | |||
| Period Start (yyyy mm) | 2022 12 | 2020 12 | 2019 11 | 2017 12 | 2006 02 | 1997 07 | 1970 01 | |||
| Period End (yyyy mm) | 2023 10 | 2023 11 | 2023 10 | 2022 09 | 2011 09 | 2009 02 | 1982 07 | |||
| Annualized Return (%) | -3.78 | -1.56 | -0.13 | -0.05 | -0.36 | -0.15 | -0.34 | |||
| Drawdowns / Negative periods marked with * are in progress | ||||||||||
RISK INDICATORS | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Standard Deviation (%) | 14.39 | 14.44 | 15.31 | 12.17 | 12.73 | 12.21 | 12.31 | |||
| Sharpe Ratio | 0.23 | 0.15 | 0.38 | 0.51 | 0.50 | 0.47 | 0.45 | |||
| Sortino Ratio | 0.35 | 0.20 | 0.51 | 0.68 | 0.66 | 0.61 | 0.61 | |||
| Ulcer Index | 3.49 | 10.58 | 8.77 | 6.57 | 9.90 | 9.88 | 8.66 | |||
| Ratio: Return / Standard Deviation | 0.57 | 0.28 | 0.49 | 0.59 | 0.60 | 0.65 | 0.78 | |||
| Ratio: Return / Deepest Drawdown | 0.91 | 0.17 | 0.32 | 0.31 | 0.17 | 0.18 | 0.22 | |||
| % Positive Months details | 50% | 58% | 61% | 65% | 65% | 64% | 64% | |||
| Positive Months | 6 | 21 | 37 | 78 | 156 | 233 | 420 | |||
| Negative Months | 6 | 15 | 23 | 42 | 84 | 127 | 227 | |||
LONG TERM RETURNS Inflation Adjusted: Inflation Adjusted: | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Best 10 Years Return (%) - Annualized | 7.22 | 12.78 | 12.78 | 18.56 | ||||||
| Worst 10 Years Return (%) - Annualized | 5.45 | 0.83 | 0.83 | |||||||
| Best 10 Years Return (%) - Annualized | 4.31 | 10.82 | 10.82 | 12.78 | ||||||
| Worst 10 Years Return (%) - Annualized | 3.57 | -1.71 | -2.16 | |||||||
ROLLING PERIOD RETURNS Inflation Adjusted: Inflation Adjusted: | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Over the latest 30Y | ||||||||||
| Best Rolling Return (%) - Annualized | 50.17 | 23.15 | 19.13 | 12.78 | 8.77 | 7.94 | ||||
| Worst Rolling Return (%) - Annualized | -37.84 | -11.08 | -2.71 | 0.83 | 5.22 | |||||
| % Positive Periods | 76% | 86% | 98% | 100% | 100% | 100% | ||||
| Best Rolling Return (%) - Annualized | 47.02 | 20.29 | 16.75 | 10.82 | 6.39 | 5.30 | ||||
| Worst Rolling Return (%) - Annualized | -37.98 | -13.01 | -5.22 | -1.71 | 3.09 | |||||
| % Positive Periods | 73% | 80% | 88% | 97% | 100% | 100% | ||||
| Over all the available data source (Jan 1970 - Nov 2023) | ||||||||||
| Best Rolling Return (%) - Annualized | 53.97 | 33.03 | 28.16 | 18.56 | 14.93 | 13.03 | ||||
| Worst Rolling Return (%) - Annualized | -37.84 | -11.08 | -2.71 | 0.83 | 5.22 | 7.51 | ||||
| % Positive Periods | 80% | 90% | 98% | 100% | 100% | 100% | ||||
| Best Rolling Return (%) - Annualized | 50.10 | 29.14 | 24.26 | 12.78 | 10.65 | 7.95 | ||||
| Worst Rolling Return (%) - Annualized | -37.98 | -13.01 | -5.47 | -2.16 | 3.09 | 4.83 | ||||
| % Positive Periods | 72% | 81% | 86% | 96% | 100% | 100% | ||||
WITHDRAWAL RATES (WR) | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Safe WR (%) | 33.55 | 22.95 | 12.80 | 7.97 | 7.10 | 5.08 | ||||
| Perpetual WR (%) | 0.00 | 3.28 | 4.13 | 4.74 | 5.03 | 5.12 | ||||
Terms and Definitions
- Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
- Deepest/Longest Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. The deepest (or maximum) drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The longest drawdown is the period observed from a peak to the subsequent peak with the greatest duration.
- Longest negative period: it's the maximum period for which an overall negative return has been observed
- Standard Deviation: it's a measure of the dispersion of returns around the mean
- Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return
- Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation)
- Ulcer Index: it's a measure of downside risk that quantifies the depth and duration of drawdowns in an investment portfolio
- Best/Worst 10Y returns: the best and the worst 10-year return over a time frame
- Rolling Returns: N-year returns over a time frame, calculated over all the available data source (best, worst, % of positive returns). Each rolling period, longer than the longest negative period, yielded a non-negative minimum return.
- Safe Withdrawal Rate (SWR): it's the percentage of the original portfolio balance that can be withdrawn at the end of each year with inflation adjustment, without the portfolio running out of money (dollar amount withdrawal).
- Perpetual Withdrawal Rate (PWR): it's the percentage of portfolio balance that can be withdrawn at the end of each year, while retaining the inflation adjusted portfolio balance (percentage withdrawal).
Analyze your Portfolio: Backtest Now!
Explore historical data since 1871 and fine-tune your investment strategy for better results.
Portfolio Components Correlation
Correlation measures to what degree the returns of the two assets move in relation to each other.
Correlation coefficient is a numerical value between -1 and +1. If one variable goes up by a certain amount, the correlation coefficient indicates which way the other variable moves and by how much.
Asset correlations are calculated based on monthly returns.
COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 30 November 2023
Swipe left to see all data
| Asset | VTI | VEU | VNQ | BND |
|---|---|---|---|---|
VTI | - | 0.91 | 0.93 | 0.80 |
VEU | 0.91 | - | 0.94 | 0.87 |
VNQ | 0.93 | 0.94 | - | 0.83 |
BND | 0.80 | 0.87 | 0.83 | - |
| Asset | VTI | VEU | VNQ | BND |
|---|---|---|---|---|
VTI | - | 0.89 | 0.87 | 0.48 |
VEU | 0.89 | - | 0.82 | 0.54 |
VNQ | 0.87 | 0.82 | - | 0.56 |
BND | 0.48 | 0.54 | 0.56 | - |
| Asset | VTI | VEU | VNQ | BND |
|---|---|---|---|---|
VTI | - | 0.86 | 0.75 | 0.37 |
VEU | 0.86 | - | 0.66 | 0.42 |
VNQ | 0.75 | 0.66 | - | 0.57 |
BND | 0.37 | 0.42 | 0.57 | - |
| Asset | VTI | VEU | VNQ | BND |
|---|---|---|---|---|
VTI | - | 0.84 | 0.63 | 0.16 |
VEU | 0.84 | - | 0.60 | 0.16 |
VNQ | 0.63 | 0.60 | - | 0.31 |
BND | 0.16 | 0.16 | 0.31 | - |
| Asset | VTI | VEU | VNQ | BND |
|---|---|---|---|---|
VTI | - | 0.79 | 0.65 | 0.22 |
VEU | 0.79 | - | 0.56 | 0.20 |
VNQ | 0.65 | 0.56 | - | 0.24 |
BND | 0.22 | 0.20 | 0.24 | - |
If you want to learn more about historical correlations, you can find out here how the main asset class are correlated to each other.
Drawdowns
A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.
RICK FERRI CORE FOUR PORTFOLIO
Drawdown periods
Drawdown periods - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1970 - 30 November 2023 (~54 years)
Inflation Adjusted:
Swipe left to see all data
Drawdown period | Recovery period | Total | |||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -44.44% | Nov 2007 | Feb 2009 | 16 | Feb 2011 | 24 | 40 | 20.80 |
| -27.90% | Sep 2000 | Sep 2002 | 25 | Feb 2004 | 17 | 42 | 16.05 |
| -23.46% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 13.10 |
| -17.12% | Jan 2020 | Mar 2020 | 3 | Jul 2020 | 4 | 7 | 7.75 |
| -15.17% | May 2011 | Sep 2011 | 5 | Mar 2012 | 6 | 11 | 6.63 |
| -12.55% | Jul 1998 | Aug 1998 | 2 | Nov 1998 | 3 | 5 | 6.67 |
| -10.12% | Sep 2018 | Dec 2018 | 4 | Apr 2019 | 4 | 8 | 4.43 |
| -8.57% | Jun 2015 | Feb 2016 | 9 | Jul 2016 | 5 | 14 | 4.41 |
| -6.30% | Apr 2012 | May 2012 | 2 | Aug 2012 | 3 | 5 | 2.87 |
| -5.46% | Apr 2000 | May 2000 | 2 | Aug 2000 | 3 | 5 | 2.98 |
| -5.04% | Feb 1994 | Mar 1994 | 2 | Mar 1995 | 12 | 14 | 2.98 |
| -4.54% | Feb 2018 | Mar 2018 | 2 | Aug 2018 | 5 | 7 | 3.03 |
| -4.20% | May 2019 | May 2019 | 1 | Jun 2019 | 1 | 2 | 2.42 |
| -4.11% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 | 2.38 |
| -4.07% | Sep 2020 | Oct 2020 | 2 | Nov 2020 | 1 | 3 | 2.36 |
Swipe left to see all data
Drawdown period | Recovery period | Total | |||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -45.29% | Nov 2007 | Feb 2009 | 16 | Jan 2013 | 47 | 63 | 18.78 |
| -31.43% | Apr 2000 | Sep 2002 | 30 | Dec 2004 | 27 | 57 | 17.06 |
| -28.10% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 18.54 |
| -17.49% | Jan 2020 | Mar 2020 | 3 | Aug 2020 | 5 | 8 | 7.44 |
| -12.86% | May 1998 | Aug 1998 | 4 | Dec 1998 | 4 | 8 | 5.71 |
| -10.61% | Feb 2018 | Dec 2018 | 11 | Apr 2019 | 4 | 15 | 4.65 |
| -9.06% | Mar 2015 | Feb 2016 | 12 | Jul 2016 | 5 | 17 | 4.62 |
| -6.81% | Feb 1994 | Nov 1994 | 10 | May 1995 | 6 | 16 | 4.17 |
| -4.79% | Jan 2005 | Apr 2005 | 4 | Jul 2005 | 3 | 7 | 2.45 |
| -4.40% | May 2019 | May 2019 | 1 | Jun 2019 | 1 | 2 | 2.54 |
| -4.29% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 | 2.48 |
| -4.25% | Sep 2020 | Oct 2020 | 2 | Nov 2020 | 1 | 3 | 2.46 |
| -4.01% | Jun 2007 | Jul 2007 | 2 | Sep 2007 | 2 | 4 | 2.27 |
| -3.98% | Oct 1997 | Oct 1997 | 1 | Jan 1998 | 3 | 4 | 2.08 |
| -3.98% | Sep 2021 | Sep 2021 | 1 | Dec 2021 | 3 | 4 | 2.16 |
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Drawdown period | Recovery period | Total | |||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -44.44% | Nov 2007 | Feb 2009 | 16 | Feb 2011 | 24 | 40 | 20.80 |
| -33.44% | Jan 1973 | Sep 1974 | 21 | Jan 1976 | 16 | 37 | 15.05 |
| -27.90% | Sep 2000 | Sep 2002 | 25 | Feb 2004 | 17 | 42 | 16.05 |
| -23.46% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 13.10 |
| -19.07% | Sep 1987 | Nov 1987 | 3 | Jan 1989 | 14 | 17 | 8.87 |
| -17.12% | Jan 2020 | Mar 2020 | 3 | Jul 2020 | 4 | 7 | 7.75 |
| -16.53% | Jan 1970 | Jun 1970 | 6 | Dec 1970 | 6 | 12 | 8.08 |
| -15.17% | May 2011 | Sep 2011 | 5 | Mar 2012 | 6 | 11 | 6.63 |
| -14.61% | Jan 1990 | Sep 1990 | 9 | Feb 1991 | 5 | 14 | 7.47 |
| -12.55% | Jul 1998 | Aug 1998 | 2 | Nov 1998 | 3 | 5 | 6.67 |
| -11.97% | Dec 1980 | Jul 1982 | 20 | Oct 1982 | 3 | 23 | 5.95 |
| -10.43% | Feb 1980 | Mar 1980 | 2 | Jun 1980 | 3 | 5 | 4.86 |
| -10.12% | Sep 2018 | Dec 2018 | 4 | Apr 2019 | 4 | 8 | 4.43 |
| -8.57% | Jun 2015 | Feb 2016 | 9 | Jul 2016 | 5 | 14 | 4.41 |
| -7.80% | Oct 1978 | Oct 1978 | 1 | Jan 1979 | 3 | 4 | 4.34 |
Swipe left to see all data
Drawdown period | Recovery period | Total | |||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -45.29% | Nov 2007 | Feb 2009 | 16 | Jan 2013 | 47 | 63 | 18.78 |
| -44.10% | Jan 1973 | Sep 1974 | 21 | Feb 1983 | 101 | 122 | 20.95 |
| -31.43% | Apr 2000 | Sep 2002 | 30 | Dec 2004 | 27 | 57 | 17.06 |
| -28.10% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 18.54 |
| -19.77% | Sep 1987 | Nov 1987 | 3 | Jul 1989 | 20 | 23 | 9.20 |
| -18.90% | Jan 1970 | Jun 1970 | 6 | Jan 1971 | 7 | 13 | 9.78 |
| -18.86% | Jan 1990 | Sep 1990 | 9 | Dec 1991 | 15 | 24 | 8.56 |
| -17.49% | Jan 2020 | Mar 2020 | 3 | Aug 2020 | 5 | 8 | 7.44 |
| -12.86% | May 1998 | Aug 1998 | 4 | Dec 1998 | 4 | 8 | 5.71 |
| -10.61% | Feb 2018 | Dec 2018 | 11 | Apr 2019 | 4 | 15 | 4.65 |
| -10.08% | Jul 1983 | May 1984 | 11 | Dec 1984 | 7 | 18 | 4.71 |
| -9.06% | Mar 2015 | Feb 2016 | 12 | Jul 2016 | 5 | 17 | 4.62 |
| -6.99% | May 1971 | Jul 1971 | 3 | Dec 1971 | 5 | 8 | 4.07 |
| -6.81% | Feb 1994 | Nov 1994 | 10 | May 1995 | 6 | 16 | 4.17 |
| -4.94% | Sep 1986 | Sep 1986 | 1 | Jan 1987 | 4 | 5 | 3.14 |
Rolling Returns
( more details)
A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.
RICK FERRI CORE FOUR PORTFOLIO
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1970 - 30 November 2023 (~54 years)
Inflation Adjusted:
Swipe left to see all data
| Rolling Period | Worst Period | 15th Percentile | 50th Percentile | 85th Percentile | Best Period | Latest | Negative Periods | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return | From To | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | From To | Growth of 1$ | |||
| 1Y | -37.84 | 03/2008 02/2009 | 0.62$ | -5.21 | 0.94$ | 11.13 | 1.11$ | 19.46 | 1.19$ | 50.17 | 03/2009 02/2010 | 1.50$ | 8.15 | 23.21% |
| 2Y | -21.61 | 03/2007 02/2009 | 0.61$ | -1.88 | 0.96$ | 10.60 | 1.22$ | 16.73 | 1.36$ | 34.70 | 03/2009 02/2011 | 1.81$ | -2.14 | 17.80% |
| 3Y | -11.08 | 03/2006 02/2009 | 0.70$ | 1.34 | 1.04$ | 9.17 | 1.30$ | 14.99 | 1.52$ | 23.15 | 03/2009 02/2012 | 1.86$ | 4.02 | 13.54% |
| 5Y | -2.71 | 03/2004 02/2009 | 0.87$ | 2.86 | 1.15$ | 7.31 | 1.42$ | 12.85 | 1.83$ | 19.13 | 03/2009 02/2014 | 2.39$ | 7.56 | 1.99% |
| 7Y | 0.61 | 03/2002 02/2009 | 1.04$ | 5.51 | 1.45$ | 7.13 | 1.61$ | 9.67 | 1.90$ | 13.50 | 03/2009 02/2016 | 2.42$ | 8.06 | 0.00% |
| 10Y | 0.83 | 03/1999 02/2009 | 1.08$ | 5.64 | 1.73$ | 7.99 | 2.15$ | 9.48 | 2.47$ | 12.78 | 03/2009 02/2019 | 3.32$ | 7.22 | 0.00% |
| 15Y | 4.79 | 03/1994 02/2009 | 2.01$ | 6.08 | 2.42$ | 7.12 | 2.80$ | 7.91 | 3.13$ | 9.80 | 12/2008 11/2023 | 4.06$ | 9.80 | 0.00% |
| 20Y | 5.22 | 04/2000 03/2020 | 2.76$ | 6.54 | 3.55$ | 7.52 | 4.26$ | 8.43 | 5.04$ | 8.77 | 12/1994 11/2014 | 5.37$ | 7.69 | 0.00% |
| 30Y | 7.94 | 12/1993 11/2023 | 9.90$ | 7.94 | 9.90$ | 7.94 | 9.90$ | 7.94 | 9.90$ | 7.94 | 12/1993 11/2023 | 9.90$ | 7.94 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
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| Rolling Period | Worst Period | 15th Percentile | 50th Percentile | 85th Percentile | Best Period | Latest | Negative Periods | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return | From To | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | From To | Growth of 1$ | |||
| 1Y | -37.98 | 03/2008 02/2009 | 0.62$ | -7.95 | 0.92$ | 8.72 | 1.08$ | 17.06 | 1.17$ | 47.02 | 03/2009 02/2010 | 1.47$ | 4.86 | 26.93% |
| 2Y | -23.23 | 03/2007 02/2009 | 0.58$ | -5.23 | 0.89$ | 7.79 | 1.16$ | 13.89 | 1.29$ | 31.89 | 03/2009 02/2011 | 1.73$ | -6.90 | 21.66% |
| 3Y | -13.01 | 03/2006 02/2009 | 0.65$ | -1.56 | 0.95$ | 6.79 | 1.21$ | 12.11 | 1.40$ | 20.29 | 03/2009 02/2012 | 1.74$ | -1.56 | 19.69% |
| 5Y | -5.22 | 03/2004 02/2009 | 0.76$ | 0.42 | 1.02$ | 5.28 | 1.29$ | 10.28 | 1.63$ | 16.75 | 03/2009 02/2014 | 2.16$ | 3.39 | 11.30% |
| 7Y | -1.90 | 03/2002 02/2009 | 0.87$ | 3.10 | 1.23$ | 4.40 | 1.35$ | 7.71 | 1.68$ | 11.71 | 03/2009 02/2016 | 2.17$ | 4.40 | 1.44% |
| 10Y | -1.71 | 03/1999 02/2009 | 0.84$ | 3.40 | 1.39$ | 5.50 | 1.70$ | 7.26 | 2.01$ | 10.82 | 03/2009 02/2019 | 2.79$ | 4.31 | 2.49% |
| 15Y | 2.24 | 03/1994 02/2009 | 1.39$ | 3.65 | 1.71$ | 4.66 | 1.98$ | 5.80 | 2.32$ | 7.41 | 02/2003 01/2018 | 2.92$ | 7.14 | 0.00% |
| 20Y | 3.09 | 04/2000 03/2020 | 1.83$ | 4.31 | 2.32$ | 5.18 | 2.74$ | 5.93 | 3.16$ | 6.39 | 11/2001 10/2021 | 3.44$ | 4.98 | 0.00% |
| 30Y | 5.30 | 12/1993 11/2023 | 4.70$ | 5.30 | 4.70$ | 5.30 | 4.70$ | 5.30 | 4.70$ | 5.30 | 12/1993 11/2023 | 4.70$ | 5.30 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
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| Rolling Period | Worst Period | 15th Percentile | 50th Percentile | 85th Percentile | Best Period | Latest | Negative Periods | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return | From To | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | From To | Growth of 1$ | |||
| 1Y | -37.84 | 03/2008 02/2009 | 0.62$ | -2.65 | 0.97$ | 11.95 | 1.11$ | 22.21 | 1.22$ | 53.97 | 07/1982 06/1983 | 1.53$ | 8.15 | 19.18% |
| 2Y | -21.61 | 03/2007 02/2009 | 0.61$ | 2.45 | 1.04$ | 11.22 | 1.23$ | 17.73 | 1.38$ | 35.43 | 07/1984 06/1986 | 1.83$ | -2.14 | 12.66% |
| 3Y | -11.08 | 03/2006 02/2009 | 0.70$ | 3.14 | 1.09$ | 10.36 | 1.34$ | 16.31 | 1.57$ | 33.03 | 08/1984 07/1987 | 2.35$ | 4.02 | 9.80% |
| 5Y | -2.71 | 03/2004 02/2009 | 0.87$ | 3.95 | 1.21$ | 10.15 | 1.62$ | 15.43 | 2.04$ | 28.16 | 08/1982 07/1987 | 3.45$ | 7.56 | 1.02% |
| 7Y | 0.61 | 03/2002 02/2009 | 1.04$ | 6.04 | 1.50$ | 9.44 | 1.88$ | 14.36 | 2.55$ | 22.48 | 08/1982 07/1989 | 4.13$ | 8.06 | 0.00% |
| 10Y | 0.83 | 03/1999 02/2009 | 1.08$ | 6.70 | 1.91$ | 9.59 | 2.49$ | 14.58 | 3.90$ | 18.56 | 09/1977 08/1987 | 5.48$ | 7.22 | 0.00% |
| 15Y | 4.79 | 03/1994 02/2009 | 2.01$ | 6.66 | 2.63$ | 9.46 | 3.87$ | 14.24 | 7.36$ | 17.15 | 10/1974 09/1989 | 10.73$ | 9.80 | 0.00% |
| 20Y | 5.22 | 04/2000 03/2020 | 2.76$ | 7.33 | 4.11$ | 9.84 | 6.53$ | 13.47 | 12.52$ | 14.93 | 04/1980 03/2000 | 16.17$ | 7.69 | 0.00% |
| 30Y | 7.51 | 11/1993 10/2023 | 8.77$ | 8.30 | 10.92$ | 10.24 | 18.65$ | 11.98 | 29.78$ | 13.03 | 07/1970 06/2000 | 39.41$ | 7.94 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
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| Rolling Period | Worst Period | 15th Percentile | 50th Percentile | 85th Percentile | Best Period | Latest | Negative Periods | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return | From To | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | Growth of 1$ | Ann. Return | From To | Growth of 1$ | |||
| 1Y | -37.98 | 03/2008 02/2009 | 0.62$ | -6.57 | 0.93$ | 7.89 | 1.07$ | 18.19 | 1.18$ | 50.10 | 07/1982 06/1983 | 1.50$ | 4.86 | 27.04% |
| 2Y | -23.37 | 10/1972 09/1974 | 0.58$ | -2.88 | 0.94$ | 6.39 | 1.13$ | 14.44 | 1.30$ | 31.91 | 08/1984 07/1986 | 1.74$ | -6.90 | 20.03% |
| 3Y | -13.01 | 03/2006 02/2009 | 0.65$ | -1.33 | 0.96$ | 6.22 | 1.19$ | 12.74 | 1.43$ | 29.14 | 08/1984 07/1987 | 2.15$ | -1.56 | 18.79% |
| 5Y | -5.47 | 01/1970 12/1974 | 0.75$ | 0.30 | 1.01$ | 5.77 | 1.32$ | 11.48 | 1.72$ | 24.26 | 08/1982 07/1987 | 2.96$ | 3.39 | 13.10% |
| 7Y | -2.88 | 04/1973 03/1980 | 0.81$ | 2.75 | 1.20$ | 5.62 | 1.46$ | 10.60 | 2.02$ | 18.29 | 08/1982 07/1989 | 3.24$ | 4.40 | 6.03% |
| 10Y | -2.16 | 08/1972 07/1982 | 0.80$ | 2.97 | 1.34$ | 6.34 | 1.84$ | 9.87 | 2.56$ | 12.78 | 08/1982 07/1992 | 3.32$ | 4.31 | 3.98% |
| 15Y | 2.24 | 03/1994 02/2009 | 1.39$ | 4.15 | 1.83$ | 5.86 | 2.35$ | 9.00 | 3.64$ | 12.54 | 08/1982 07/1997 | 5.88$ | 7.14 | 0.00% |
| 20Y | 3.09 | 04/2000 03/2020 | 1.83$ | 4.92 | 2.61$ | 5.93 | 3.16$ | 8.53 | 5.14$ | 10.65 | 04/1980 03/2000 | 7.56$ | 4.98 | 0.00% |
| 30Y | 4.83 | 02/1973 01/2003 | 4.11$ | 5.54 | 5.04$ | 6.55 | 6.70$ | 7.34 | 8.36$ | 7.95 | 11/1977 10/2007 | 9.91$ | 5.30 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
If you need a deeper detail about rolling returns, please refer to the Rick Ferri Core Four Portfolio: Rolling Returns page.
Seasonality
In which months is it better to invest in Rick Ferri Core Four Portfolio?
Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.
For further information about the seasonality, check the
page.
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency | 1.77 | -1.43 | -0.84 | 1.88 | -0.07 | 1.44 | 3.00 | -0.16 | -3.45 | 1.37 | 4.97 | 0.01 |
| Best | 7.1 2019 | 2.2 2019 | 2.4 2021 | 8.9 2020 | 3.9 2020 | 5.2 2019 | 6.3 2022 | 4.3 2020 | 1.6 2019 | 4.6 2021 | 9.6 2020 | 3.9 2020 |
| Worst | -4.6 2022 | -5.6 2020 | -11.9 2020 | -7.1 2022 | -4.2 2019 | -6.7 2022 | 0.4 2019 | -3.9 2022 | -8.5 2022 | -2.6 2023 | -1.9 2021 | -6.0 2018 |
Monthly Seasonality over the period Feb 1970 - Nov 2023
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency | 0.74 | -0.14 | 0.17 | 1.33 | 0.52 | 0.87 | 2.26 | -0.17 | -2.02 | 0.84 | 3.09 | 0.26 |
| Best | 7.1 2019 | 4.1 2014 | 6.3 2016 | 8.9 2020 | 3.9 2020 | 5.2 2019 | 6.3 2022 | 4.3 2020 | 1.6 2019 | 5.8 2015 | 9.6 2020 | 3.9 2020 |
| Worst | -4.6 2022 | -5.6 2020 | -11.9 2020 | -7.1 2022 | -4.2 2019 | -6.7 2022 | -1.4 2014 | -5.4 2015 | -8.5 2022 | -6.0 2018 | -1.9 2021 | -6.0 2018 |
Monthly Seasonality over the period Feb 1970 - Nov 2023
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency | 1.09 | 0.47 | 0.98 | 1.41 | 0.45 | 0.57 | 1.00 | 0.36 | -0.36 | 0.60 | 1.72 | 1.67 |
| Best | 10.8 1975 | 6.7 1986 | 7.2 1986 | 10.4 2009 | 7.4 1990 | 5.2 2019 | 7.4 2009 | 9.6 1982 | 7.2 2010 | 11.8 1974 | 9.6 2020 | 7.4 1991 |
| Worst | -8.8 2009 | -8.8 2009 | -11.9 2020 | -8.3 1970 | -6.6 2010 | -6.7 2008 | -6.5 2002 | -11.4 1998 | -8.5 2022 | -16.5 2008 | -9.0 1973 | -6.0 2018 |
Monthly Seasonality over the period Feb 1970 - Nov 2023
Monthly Returns
This section provides a visual/tabular representation of the performance variability in the Rick Ferri Core Four Portfolio over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.
RICK FERRI CORE FOUR PORTFOLIO
Monthly Returns Distribution
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1970 - 30 November 2023 (~54 years)
233 Positive Months (65%) - 127 Negative Months (35%)
420 Positive Months (65%) - 227 Negative Months (35%)
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(Scroll down to see all data)
Investment Returns, up to December 2007, have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
You can find additional information on extended Data Sources here.
In particular, the series derived from equivalent datasets are:
- VTI - Vanguard Total Stock Market (VTI), up to December 2001
- VEU - Vanguard FTSE All-World ex-US (VEU), up to December 2007
- VNQ - Vanguard Real Estate (VNQ), up to December 2004
- BND - Vanguard Total Bond Market (BND), up to December 2007
Portfolio efficiency
The following portfolios granted a higher return over 30 Years and a less severe drawdown at the same time.
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30 Years Stats (%) | % Allocation | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Portfolio | Author | Return▾ | Dev.Std | Drawdown | Stocks | Bonds | Comm | ||
| Stocks/Bonds 80/20 Momentum | +10.76 | 12.35 | -43.61 | 80 | 20 | 0 | |||
| US Stocks Minimum Volatility | +9.58 | 13.72 | -43.27 | 100 | 0 | 0 | |||
| Stocks/Bonds 60/40 Momentum | +9.34 | 9.56 | -32.52 | 60 | 40 | 0 | |||
| Stocks/Bonds 80/20 | +9.02 | 12.49 | -41.09 | 80 | 20 | 0 | |||
| Simple Path to Wealth | JL Collins | +8.78 | 11.75 | -38.53 | 75 | 25 | 0 | ||
| Robust | Alpha Architect | +8.67 | 11.09 | -44.20 | 70 | 20 | 10 | ||
| Shield Strategy | Aim Ways | +8.61 | 8.84 | -19.36 | 42 | 38 | 20 | ||
| Dedalo Four | Dedalo Invest | +8.28 | 12.41 | -43.94 | 80 | 20 | 0 | ||
| Aim Bold Strategy | Aim Ways | +8.24 | 9.93 | -30.09 | 45 | 40 | 15 | ||
| Late Sixties and Beyond | Burton Malkiel | +8.13 | 11.69 | -41.80 | 71 | 29 | 0 | ||
| Weird Portfolio | Value Stock Geek | +8.02 | 10.75 | -32.97 | 60 | 20 | 20 | ||
| Talmud Portfolio | Roger Gibson | +8.01 | 10.81 | -40.17 | 66.7 | 33.3 | 0 | ||
| Stocks/Bonds 60/40 | +7.99 | 9.61 | -30.55 | 60 | 40 | 0 | |||
| Yale Endowment | David Swensen | +7.98 | 10.99 | -39.48 | 70 | 30 | 0 | ||
| Seven Value | Scott Burns | +7.96 | 11.31 | -41.22 | 71.5 | 28.5 | 0 | ||
| Core Four | Rick Ferri | +7.94 | 12.21 | -44.44 | 80 | 20 | 0 | ||
Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Very High Risk categorization.
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30 Years Stats (%) | % Allocation | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Portfolio | Author | Return▾ | Dev.Std | Drawdown | Stocks | Bonds | Comm | ||
| Technology | +13.75 | 24.01 | -81.08 | 100 | 0 | 0 | |||
| US Stocks Momentum | +12.01 | 15.28 | -53.85 | 100 | 0 | 0 | |||
| Stocks/Bonds 80/20 Momentum | +10.76 | 12.35 | -43.61 | 80 | 20 | 0 | |||
| US Stocks | +9.90 | 15.52 | -50.84 | 100 | 0 | 0 | |||
| US Stocks Value | +9.71 | 15.36 | -55.41 | 100 | 0 | 0 | |||
Analyze your Portfolio: Backtest Now!
Explore historical data since 1871 and fine-tune your investment strategy for better results.
As an enthusiast with a demonstrable understanding of the provided financial data, I'll delve into the concepts and information presented in the article:
-
Data Source and Timeline:
- The data spans from January 1970 to November 2023, covering approximately 54 years.
- The article provides consolidated returns as of November 30, 2023, and a live update as of December 22, 2023.
-
Portfolio Overview:
- The Rick Ferri Core Four Portfolio is described as a Very High Risk portfolio.
- Asset Allocation: 80% in Stocks, 20% in Fixed Income, and 0% in Commodities.
- Implemented with four ETFs, with 48% in VTI (Vanguard Total Stock Market), 24% in VEU (Vanguard FTSE All-World ex-US), 8% in VNQ (Vanguard Real Estate), and 20% in BND (Vanguard Total Bond Market).
- Historical Performance: The portfolio achieved a 7.94% compound annual return over the last 30 years, with a 12.21% standard deviation.
-
Returns and Metrics:
- Returns are presented for various timeframes, including 1 day, 1 month, 6 months, 1 year, 5 years, 10 years, and a maximum of approximately 54 years.
- Metrics such as Investment Return, Inflation Adjusted Return, Standard Deviation, Sharpe Ratio, Sortino Ratio, and Ulcer Index are calculated for different timeframes.
-
Drawdowns:
- Drawdowns are discussed, detailing the periods of decline in the portfolio's value, the depth of drawdowns, and the time taken to recover.
- The article provides information on the Deepest Drawdown Depth, Longest Drawdown, and the Start, Bottom, and End dates for significant drawdowns.
-
Risk Indicators:
- Risk indicators include Standard Deviation, Sharpe Ratio, Sortino Ratio, Ulcer Index, Return / Standard Deviation Ratio, and Return / Deepest Drawdown Ratio.
-
Rolling Returns:
- Rolling returns are analyzed for different periods, such as 1 year, 2 years, 3 years, 5 years, 7 years, 10 years, 15 years, 20 years, and 30 years.
- Percentiles and the worst and best periods are provided, giving insight into the consistency of returns over rolling periods.
-
Withdrawal Rates:
- Safe Withdrawal Rate (SWR) and Perpetual Withdrawal Rate (PWR) are discussed, providing information on the percentage of the original portfolio balance that can be withdrawn.
-
Correlation Analysis:
- Monthly correlations between the components of the portfolio (VTI, VEU, VNQ, BND) are presented, indicating how the returns of these assets move in relation to each other.
-
Additional Information:
- The article includes information on live updates, world market performance in 2022, dividend yield in 2022, capital growth since December 1993 and January 1970, and readings that might be of interest to the audience.
By comprehensively examining these concepts, the article provides a detailed and data-driven analysis of the Rick Ferri Core Four Portfolio's historical performance, risk indicators, and withdrawal characteristics.
