Classic 60/40

Measured historical research · complete provider coverage

This is the returned result for the listed 60/40 proxy and assumptions, not a forecast or recommendation. All expected sessions in this selected window were returned for both instruments; this does not make the window representative of other periods.

Source and provider

Yahoo Finance chart API (yahoo) · data retrieved 2026-10-24

Source instruments

Yahoo Finance VTI history · 753 observations · USD | Yahoo Finance BND history · 753 observations · USD

As of

2024-12-31 · latest returned market observation

Requested window

2022-01-03 — 2024-12-31 · explicit date range

Observed common window

2022-01-03 — 2024-12-31

Coverage

753 common observations from 753 best-covered instrument observations (100.0%); window coverage 100.0% of 753 expected sessions.

Price basis

Yahoo Finance daily adjusted close; no adjusted-close values were missing and no raw-close fallback was used. Annual fund return totals for 2022–2024 were independently compared with Vanguard's published annual total-return tables; this corroborates annual return scale, not every daily price.

Currency limit

Yahoo Finance reports USD for both VTI and BND. Values remain USD-denominated; no currency conversion is applied.

Missing data

Yahoo Finance returned 753 adjusted-close observations for each instrument on the same dates. The selected dates match all 753 expected US equity sessions; no forward filling is applied. Returned missing observations: 0.

Calculated result

Total return 12.40% · annualized return 3.99% · maximum drawdown -21.28%. Initial value 100,000 → ending value 112,396.36, in the same unconverted source-market units.

Inputs and assumptions

VTI 60% / BND 40%; yearly rebalance; SPY reference benchmark; initial value 100,000. Annual fee overlay 0 bps; separate expense deduction 0%; inflation adjustment 0%; contributions and withdrawals 0 / 0; cash allocation and yield 0% / 0%; rebalance trading cost 0 bps. No additional cost rates are sourced or assumed; zero does not mean the funds have no expenses.

All expected sessions in this selected window were returned for both instruments. This does not make the window representative of other periods. No relative benchmark-performance claim is made here. Historical observations do not predict future results.

How to read this profile

The mix became a widely used reference portfolio as modern stock and bond markets deepened. Its experience depends heavily on the relationship between equity returns, bond yields, and inflation during the selected window.

The 60/40 structure is a simple comparison baseline: its equity and bond parts make allocation, correlation, and inflation assumptions visible. The attached result is limited to its fully covered 2022–2024 window and stated inputs.