ETFIQ Income, 60% stocks benchmark
Income family · 50 to 70% bandETFIQ is an independent publisher of exchange-traded fund data. It is not a fund issuer, broker-dealer or investment adviser, takes no payment from issuers, and makes no recommendations.
Over 10 years to Sep 30, 2026, ETFIQ Income, 60% stocks, had a total return of +7.17% a year, hypothetical.
One sentence, recomputed nightly. A benchmark is a rule, not a recommendation.
Stock-share scale
Holdings as of May 31 to Jul 31, 2026Five bands, open below and closed above: 15 to 30, 30 to 50, 50 to 70, 70 to 85, over 85. The portfolio is a dot with its figure, date and band. Under 15% is not a band and is drawn as empty track.
Growth of $10,000
Trailing ranges end on Sep 30, 2026, All on Oct 7, 2026. The hypothetical span is dashed and shaded; the largest drawdown is shaded and dated under the chart. Computed by ETFIQ from Tiingo daily prices.
| Value on | Sep 30, 2025 | Dec 10, 2025 | Feb 24, 2026 | May 7, 2026 | Jul 21, 2026 | Sep 30, 2026 |
|---|---|---|---|---|---|---|
| Income 60 | $10,000 | $10,313 | $10,656 | $10,719 | $10,984 | $10,887 |
| Reference | $10,000 | $10,223 | $10,578 | $10,814 | $10,918 | $10,893 |
| Value on | Sep 29, 2023 | May 6, 2024 | Dec 10, 2024 | Jul 21, 2025 | Feb 25, 2026 | Sep 30, 2026 |
|---|---|---|---|---|---|---|
| Income 60 | $10,000 | $11,043 | $12,122 | $12,446 | $13,761 | $14,025 |
| Reference | $10,000 | $11,328 | $12,377 | $13,090 | $14,571 | $14,933 |
| Value on | Sep 30, 2021 | Sep 29, 2022 | Sep 29, 2023 | Sep 27, 2024 | Sep 30, 2025 | Sep 30, 2026 |
|---|---|---|---|---|---|---|
| Income 60 | $10,000 | $9,012 | $9,830 | $11,697 | $12,664 | $13,787 |
| Reference | $10,000 | $8,243 | $9,203 | $11,326 | $12,617 | $13,743 |
| Value on | Sep 30, 2016 | Sep 28, 2018 | Sep 29, 2020 | Sep 27, 2022 | Sep 27, 2024 | Sep 30, 2026 |
|---|---|---|---|---|---|---|
| Income 60 | $10,000 | $11,721 | $12,350 | $12,998 | $16,964 | $19,994 |
| Reference | $10,000 | $11,677 | $13,416 | $12,794 | $17,673 | $21,444 |
| Value on | Jun 24, 2013 | Feb 18, 2016 | Oct 12, 2018 | Jun 10, 2021 | Feb 7, 2024 | Oct 7, 2026 |
|---|---|---|---|---|---|---|
| Income 60 | $10,000 | $11,597 | $14,695 | $18,611 | $19,787 | $25,973 |
| Reference | $10,000 | $11,242 | $14,037 | $19,615 | $19,777 | $26,942 |
Facts
As of Oct 7, 2026- Family · band
- Income · 50 to 70%
- Stock share, the rule
- 60%
- Stock share, measured
- 59.92%
- Rebalance
- Rebalanced on the last trading day of each month
- Cash rate
- Treasury 13-week bill rate
- Fee treatment
- Fund fees inside prices; nothing else deducted
- Start of series
- Jun 24, 2013
- Base date
- Jun 24, 2013 = $10,000
- Tracked from
- Oct 5, 2026
- Method version
- v1.3
ETFIQ takes no payment from any fund company. A benchmark is a rule, not a recommendation.
Return table
Prices to Oct 7, 2026| YTD* | 1Y* | 3Y* | 5Y* | 10Y* | Since start* | |
|---|---|---|---|---|---|---|
| ETFIQ Income, 60% stocks | +6.46% | +8.87% | +11.94% | +6.63% | +7.17% | +7.30% |
| Strategic 60, the reference | +7.28% | +8.93% | +14.30% | +6.57% | +7.93% | +7.54% |
| Difference | −0.82 | −0.06 | −2.36 | +0.06 | −0.76 | −0.24 |
*Hypothetical as a whole: the window begins before the tracked date, Oct 5, 2026. YTD and 1Y are total returns; 3Y, 5Y, 10Y and since start are annualised; the difference row is the two figures above it subtracted, in percentage points. Series starts Jun 24, 2013; tracked from Oct 5, 2026. The reference: the strategic member at stock share 60.
Risk by window
Prices to Sep 30, 2026| Measure | 3 years* | 5 years* | 10 years* | |||
|---|---|---|---|---|---|---|
| Portfolio | Reference | Portfolio | Reference | Portfolio | Reference | |
Volatility (annualised) Sample standard deviation of monthly returns, times the square root of 12 | 6.32% | 8.59% | 8.57% | 10.97% | 8.98% | 10.07% |
Maximum drawdown Largest fall from a peak to a later low, on daily values, in the window | −9.86% (Feb 19 to Apr 8, 2025) | −9.76% (Feb 18 to Apr 8, 2025) | −15.41% (Jan 4 to Sep 30, 2022) | −22.31% (Nov 8, 2021 to Oct 14, 2022) | −25.71% (Feb 12 to Mar 23, 2020) | −22.31% (Nov 8, 2021 to Oct 14, 2022) |
Worst month Lowest single calendar-month return | −2.62% (Mar 2026) | −4.43% (Mar 2026) | −5.96% (Sep 2022) | −7.38% (Sep 2022) | −11.65% (Mar 2020) | −9.25% (Mar 2020) |
Sharpe on T-bills Return over the Treasury 13-week bill rate, per unit of volatility, monthly | 1.12 | 1.09 | 0.34 | 0.28 | 0.54 | 0.56 |
Beta to the reference Sensitivity to the reference’s monthly moves | 0.66 | not published | 0.73 | not published | 0.83 | not published |
Up capture Share of the reference’s gains kept in its up months | 74.79% | not published | 79.82% | not published | 85.41% | not published |
Down capture Share of the reference’s losses taken in its down months | 56.58% | not published | 69.88% | not published | 81.79% | not published |
*Hypothetical as a whole: the window begins before the tracked date, Oct 5, 2026. Not published: the reference’s beta and captures. A reference measured against itself.
Calendar years with percentile in band
Band 50 to 70% · prices to Oct 7, 2026| Year | Income 60 | Strategic 60, the reference | Band median | Percentile · funds | Band low to high |
|---|---|---|---|---|---|
| 2026 to Oct 7, 2026* | +6.46% | +7.28% | not published | not published | not published |
| 2025* | +10.21% | +16.19% | not published | not published | not published |
| 2024* | +12.99% | +10.26% | not published | not published | not published |
| 2023* | +9.07% | +15.32% | not published | not published | not published |
| 2022* | −8.38% | −15.83% | not published | not published | not published |
| 2021* | +14.15% | +9.94% | not published | not published | not published |
| 2020* | +3.49% | +13.74% | not published | not published | not published |
| 2019* | +18.04% | +19.51% | not published | not published | not published |
| 2018* | −4.08% | −5.74% | not published | not published | not published |
| 2017* | +11.96% | +15.71% | not published | not published | not published |
| 2016* | +10.37% | +6.23% | not published | not published | not published |
| 2015* | −0.18% | −0.69% | not published | not published | not published |
| 2014* | +9.04% | +4.66% | not published | not published | not published |
| 2013 | not published | not published | not published | not published | not published |
*Hypothetical: the year starts before Oct 5, 2026, when the tracked record starts. Not published: 2013. The history starts 2013-06-24, after the last close of December 2012. Not published: the band median, percentile and range. ETFIQ has not placed allocation funds in bands yet, so there is no set to take a percentile in.
Stress windows
Rule version 1 · prices to each window’s last close11 windows, found by the published rule on every run: each card draws the family’s members from $10,000 at the window’s first close, with the return, the dollars and the largest drawdown inside it.
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | no history | ||
| Income 40 | no history | ||
| Income 60 | no history | ||
| Income 80 | no history | ||
| Income 95 | no history | ||
Not shown, outside a member’s history: Income 20: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 40: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 60: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 80: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 95: outside its history (its history runs 2013-06-24 to 2026-10-07).
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | no history | ||
| Income 40 | no history | ||
| Income 60 | no history | ||
| Income 80 | no history | ||
| Income 95 | no history | ||
Not shown, outside a member’s history: Income 20: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 40: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 60: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 80: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 95: outside its history (its history runs 2013-06-24 to 2026-10-07).
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | no history | ||
| Income 40 | no history | ||
| Income 60 | no history | ||
| Income 80 | no history | ||
| Income 95 | no history | ||
Not shown, outside a member’s history: Income 20: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 40: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 60: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 80: outside its history (its history runs 2013-06-24 to 2026-10-07); Income 95: outside its history (its history runs 2013-06-24 to 2026-10-07).
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | no history | ||
| Income 40 | no history | ||
| Income 60 | no history | ||
| Income 80 | no history | ||
| Income 95 | no history | ||
Not shown, outside a member’s history: Income 20: partly outside its history (its history runs 2013-06-24 to 2026-10-07); a window is never cut to fit; Income 40: partly outside its history (its history runs 2013-06-24 to 2026-10-07); a window is never cut to fit; Income 60: partly outside its history (its history runs 2013-06-24 to 2026-10-07); a window is never cut to fit; Income 80: partly outside its history (its history runs 2013-06-24 to 2026-10-07); a window is never cut to fit; Income 95: partly outside its history (its history runs 2013-06-24 to 2026-10-07); a window is never cut to fit.
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −3.60% | $9,640 | −4.37% |
| Income 40 | −5.30% | $9,470 | −5.68% |
| Income 60 | −7.03% | $9,297 | −7.58% |
| Income 80 | −8.77% | $9,123 | −9.86% |
| Income 95 | −10.09% | $8,991 | −11.57% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −4.32% | $9,568 | −4.32% |
| Income 40 | −6.94% | $9,306 | −7.40% |
| Income 60 | −9.58% | $9,042 | −10.62% |
| Income 80 | −12.23% | $8,777 | −13.81% |
| Income 95 | −14.23% | $8,577 | −16.18% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −16.52% | $8,348 | −16.90% |
| Income 40 | −21.19% | $7,881 | −21.21% |
| Income 60 | −25.71% | $7,429 | −25.71% |
| Income 80 | −30.06% | $6,994 | −30.06% |
| Income 95 | −33.23% | $6,677 | −33.23% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −13.14% | $8,686 | −13.14% |
| Income 40 | −14.74% | $8,526 | −14.74% |
| Income 60 | −16.34% | $8,366 | −16.34% |
| Income 80 | −17.93% | $8,207 | −17.93% |
| Income 95 | −19.13% | $8,087 | −19.55% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −5.52% | $9,448 | −15.02% |
| Income 40 | +0.48% | $10,048 | −14.98% |
| Income 60 | +6.77% | $10,677 | −15.41% |
| Income 80 | +13.34% | $11,334 | −15.97% |
| Income 95 | +18.46% | $11,846 | −16.70% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −14.34% | $8,566 | −15.02% |
| Income 40 | −13.97% | $8,603 | −14.98% |
| Income 60 | −13.63% | $8,637 | −15.41% |
| Income 80 | −13.30% | $8,670 | −15.97% |
| Income 95 | −13.07% | $8,693 | −16.70% |
| Member | Return | On $10,000 | Max DD |
|---|---|---|---|
| Income 20 | −4.44% | $9,556 | −5.15% |
| Income 40 | −7.10% | $9,290 | −7.36% |
| Income 60 | −9.70% | $9,030 | −9.86% |
| Income 80 | −12.27% | $8,773 | −12.45% |
| Income 95 | −14.16% | $8,584 | −14.36% |
The rule. A fall of VT of 10% or more, and a fall of AGG of 5% or more, measured exactly on the published adjusted closes. A fall of 9.99% in VT is not a window. A window runs from its peak close to its trough close, both days included, and is named by them. Rule version 1.
Yield to beat
Distributions to Oct 2, 2026Each weight times its fund’s distributions over the 365 days to that close, over the close.
- Distribution yield
- 6.14%
- Dates
- Oct 2, 2025 to Oct 2, 2026
- Basis
- Hypothetical
Holdings
Weights in force since Jun 24, 2013| Fund | Sleeve | Weight | Fee |
|---|---|---|---|
| VYM Vanguard High Dividend Yield ETF | Dividend stocks | 30% | 0.04% |
| XYLD Global X S&P 500 Covered Call ETF | Option income | 30% | 0.60% |
| SPHY State Street SPDR Portfolio High Yield Bond ETF | High yield | 20% | 0.05% |
| AGG iShares Core U.S. Aggregate Bond ETF | US bonds | 10% | 0.03% |
| BND Vanguard Total Bond Market ETF | US bonds | 10% | 0.03% |
The weights the rule sets at each rebalance, in force since Jun 24, 2013. Each fund’s expense ratio is from its prospectus, as of Oct 24, 2025, Feb 26, 2026, Feb 27, 2026, Apr 28, 2026 and Jun 18, 2026.
Exposures against the reference
Holdings as of May 31 to Jul 31, 2026Stocks59.92%59.40%0.52 points over; 70.00% of the portfolio measured
Preferred shares0.00%0.16%0.16 points under; 70.00% of the portfolio measured
Bonds39.38%39.45%0.07 points under; 70.00% of the portfolio measured
Funds0.00%0.00%level; 70.00% of the portfolio measured
Other, including cash0.70%1.00%0.30 points under; 70.00% of the portfolio measured
U.S. stocks29.92%36.96%7.04 points under; 49.93% of the stocks measured
Non-U.S. stocks0.00%22.44%22.44 points under; 49.93% of the stocks measured
Government bonds13.83%27.67%13.84 points under; 50.08% of the bonds measured
Corporate bonds5.33%10.66%5.33 points under; 50.08% of the bonds measured
- Sectors
- not published (no held fund with stocks publishes sector shares)
- Bonds by issuer, Municipal
- not published (no held fund with bonds publishes a municipal share of its bonds)
Percent of the portfolio, looked through to each fund’s filings. The lower bar is Strategic 60, by the same rule; the difference is in percentage points.
Factor loadings
158 months to Aug 31, 2026Regression of monthly excess returns on the five Fama-French factors and momentum, by least squares, with a t statistic for each.
R² 0.91. Factor returns from the Kenneth R. French data library, as named in Sources. Loadings over a span that begins before Oct 5, 2026 are hypothetical. Not published: the lower bar and the difference. The reference’s loadings cover Jan 29, 2010 to Aug 31, 2026, not the same months as these, Jun 28, 2013 to Aug 31, 2026.
Turnover
12 months to Sep 30, 2026 · 6.50% a yearShare of the benchmark traded each month, from the rule’s rebalances.
Each month is the sum of its rebalances’ turnover, one side of the trades over the portfolio; the 12 add up to 6.50% a year. Trading costs are not deducted from the returns. Since Jun 28, 2013: 7.21% a year.
Look-through holdings
Books as of Aug 31 to Oct 7, 202699.90% of the portfolio seen through to securities; 0.10% unmatched (rows with no ETFIQ security id, never ranked). Percent of the gross long weight; negative lines, such as cash owed and written options, net −0.97% of the portfolio. Matched by ETFIQ security id (all 5 books read carry a sid for every row). Books: VYM Aug 31, 2026, XYLD Oct 7, 2026, BND Aug 31, 2026, AGG Oct 6, 2026, SPHY Oct 6, 2026.
| # | Security | Share of portfolio | Held by |
|---|---|---|---|
| 1 | Broadcom Inc AVGOHeld by VYM 2.08 · XYLD 0.82 | 2.90% | 2 of 5 funds |
| 2 | NVIDIA CORP NVDAHeld by XYLD 2.62 | 2.62% | 1 of 5 funds |
| 3 | APPLE INC AAPLHeld by XYLD 2.24 | 2.24% | 1 of 5 funds |
| 4 | MICROSOFT CORP MSFTHeld by XYLD 1.79 | 1.79% | 1 of 5 funds |
| 5 | JPMorgan Chase & Co JPMHeld by VYM 1.15 · XYLD 0.40 | 1.55% | 2 of 5 funds |
| 6 | AMAZON.COM INC AMZNHeld by XYLD 1.16 | 1.16% | 1 of 5 funds |
| 7 | ExxonMobil Holdings Corp XOMHeld by VYM 0.81 · XYLD 0.31 | 1.12% | 2 of 5 funds |
| 8 | Johnson & Johnson JNJHeld by VYM 0.77 · XYLD 0.28 | 1.06% | 2 of 5 funds |
| 9 | ALPHABET INC-CL A GOOGLHeld by XYLD 0.94 | 0.94% | 1 of 5 funds |
| 10 | AbbVie Inc ABBVHeld by VYM 0.55 · XYLD 0.22 | 0.76% | 2 of 5 funds |
| 11 | ALPHABET INC-CL C GOOGHeld by XYLD 0.75 | 0.75% | 1 of 5 funds |
| 12 | Cisco Systems Inc CSCOHeld by VYM 0.53 · XYLD 0.21 | 0.74% | 2 of 5 funds |
| 13 | META PLATFORMS INC METAHeld by XYLD 0.73 | 0.73% | 1 of 5 funds |
| 14 | Bank of America Corp BACHeld by VYM 0.49 · XYLD 0.16 | 0.65% | 2 of 5 funds |
| 15 | Chevron Corp CVXHeld by VYM 0.46 · XYLD 0.19 | 0.65% | 2 of 5 funds |
| 16 | Caterpillar Inc CATHeld by VYM 0.44 · XYLD 0.17 | 0.61% | 2 of 5 funds |
| 17 | Merck & Co Inc MRKHeld by VYM 0.44 · XYLD 0.16 | 0.60% | 2 of 5 funds |
| 18 | UnitedHealth Group Inc UNHHeld by VYM 0.42 · XYLD 0.16 | 0.58% | 2 of 5 funds |
| 19 | Coca-Cola Co/The KOHeld by VYM 0.42 · XYLD 0.15 | 0.57% | 2 of 5 funds |
| 20 | Procter & Gamble Co/The PGHeld by VYM 0.41 · XYLD 0.16 | 0.56% | 2 of 5 funds |
| 21 | MICRON TECHNOLOGY INC MUHeld by XYLD 0.56 | 0.56% | 1 of 5 funds |
| 22 | Home Depot Inc/The HDHeld by VYM 0.40 · XYLD 0.13 | 0.52% | 2 of 5 funds |
| 23 | Philip Morris International Inc PMHeld by VYM 0.35 · XYLD 0.14 | 0.49% | 2 of 5 funds |
| 24 | TESLA INC TSLAHeld by XYLD 0.49 | 0.49% | 1 of 5 funds |
| 25 | ADVANCED MICRO DEVICES AMDHeld by XYLD 0.48 | 0.48% | 1 of 5 funds |
The 25 largest of 23,050 securities matched across 5 funds; each row opens to list the funds that hold it.
Costs
Fees from prospectuses, Oct 24, 2025 to Jun 18, 2026| Layer | A year | On $10,000 | Source · date |
|---|---|---|---|
| Weighted fund fee | 0.21% | $20.80 | Prospectuses · Oct 24, 2025 to Jun 18, 2026 |
Weighted expense ratio 0.21%, each weight times its fund’s expense ratio. It is already inside the returns below.
Change log
Every target-weight change since Jun 24, 2013 · newest first| Date | Holding | Old | New | Reason |
|---|---|---|---|---|
| Jun 24, 2013 | XYLD | not held | 30.00% | Initial allocation |
| Jun 24, 2013 | VYM | not held | 30.00% | Initial allocation |
| Jun 24, 2013 | SPHY | not held | 20.00% | Initial allocation |
| Jun 24, 2013 | BND | not held | 10.00% | Initial allocation |
| Jun 24, 2013 | AGG | not held | 10.00% | Initial allocation |
*A change before Oct 5, 2026 is hypothetical: the rule applied to earlier prices. 160 drift rebalances between Jun 24, 2013 and Oct 7, 2026 reset the weights to these targets; they are counted, not listed.
Method, definitions and disclosures
Methodology v1.3 · read it- Total return
- Value at the end over value at the start, minus 1: distributions reinvested, each fund’s fees inside its price.
- Annualised
- (1 + total return) to the power 12 over the number of whole months, minus 1; from 12 months.
- Volatility
- Sample standard deviation of monthly returns, times the square root of 12; from 36 monthly returns.
- Maximum drawdown
- The largest fall from a peak to a later low, on daily values, with the dates of both.
- Sharpe on T-bills
- 12 times the mean monthly return over the Treasury 13-week bill rate, over the square root of 12 times its standard deviation; from 36 months.
- Turnover
- The trading of the rebalances inside the window, a year, the start excluded.
The rule: 30% VYM, 30% XYLD, 20% US bonds (BND and AGG in equal parts) and 20% SPHY, rebalanced on the last trading day of each month. The income family’s rule, as the method states it: “x% stock sleeve, (100 - x)% bond sleeve.” Methodology version 1.3; launched on Oct 3, 2026, when ETFIQ froze the family’s rule. Every weight follows from the rule and public facts.
Launched on Oct 3, 2026, when ETFIQ froze its rule. Figures before Oct 5, 2026 are hypothetical: today’s rule and funds applied to earlier prices, which is look-ahead. From Oct 5, 2026 the record is tracked, and a window that starts before it is hypothetical as a whole.
Total returns are market price with distributions reinvested, net of each fund’s own fees, with nothing else deducted. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias. Data sourced by Tiingo.
Questions people ask about Income, 60% stocks
- What is ETFIQ Income, 60% stocks?
- A rules-based benchmark: 30% VYM, 30% XYLD, 20% US bonds (BND and AGG in equal parts) and 20% SPHY, rebalanced on the last trading day of each month. ETFIQ publishes it to measure income-focused models with about 60% in stocks. It is not a fund and cannot be bought.
- Is ETFIQ Income, 60% stocks a recommendation?
- No. It is a yardstick, the same for everyone, and every weight follows from a written rule and public facts. ETFIQ publishes no trades for it and takes no payment from the issuer of any fund it holds.
- Why are some of its returns hypothetical?
- ETFIQ froze the rule on Oct 3, 2026. Returns before Oct 5, 2026 apply today’s rule and funds to earlier prices, which is look-ahead; returns from that date are tracked. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias.
ETFIQ takes no payment from any fund company. A link is not an endorsement. Figures are calculated by ETFIQ from the sources above and are free to use with attribution.
ETFIQ, ETFIQ Income, 60% stocks: weights, rule and returns, data as of Oct 7, 2026. https://etfiq.com/benchmarks/income-60/
Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms. The underlying files are at Open data. Figures before Oct 5, 2026 are hypothetical.