What is ETFIQ Strategic, 80% stocks?

A rules-based benchmark: 80% VT and 20% US bonds (BND and AGG in equal parts), rebalanced on the last trading day of each month. ETFIQ publishes it to measure strategic and target-risk allocation models with about 80% in stocks. It is not a fund and cannot be bought.

Is ETFIQ Strategic, 80% 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 Strategic, 80% stocks benchmark

Strategic family · 70 to 85% band

Rules-based benchmarkRebalanced monthlySeries from Jan 4, 2010 · tracked from Oct 5, 2026Method v1.3

Share on X Compare up to five

ETFIQ 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 Strategic, 80% stocks, had a total return of +10.14% 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, 2026

Five 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.

15%

30%

50%

70%

85%

79.19% stocks on Jul 31, 2026 · band 70 to 85%

0100% stocks

Bands alternate two greys so their edges read without colour.Text equivalent: "79.19% of holdings in stocks on Jul 31, 2026, in the 70 to 85% band; the rule holds 80%."

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.

ETFIQ Strategic, 80% stocksHypotheticalLargest drawdown −8.08%, Feb 25, 2026 to Mar 30, 2026

Value of $10,000 at six points from Sep 30, 2025 to Sep 30, 2026; the same numbers as the chart, hypothetical.
Value on	Sep 30, 2025	Dec 10, 2025	Feb 24, 2026	May 7, 2026	Jul 21, 2026	Sep 30, 2026
Strategic 80	$10,000	$10,270	$10,691	$11,042	$11,203	$11,265

ETFIQ Strategic, 80% stocksHypotheticalLargest drawdown −13.18%, Feb 18, 2025 to Apr 8, 2025

Value of $10,000 at six points from Sep 29, 2023 to Sep 30, 2026; the same numbers as the chart, hypothetical.
Value on	Sep 29, 2023	May 6, 2024	Dec 10, 2024	Jul 21, 2025	Feb 25, 2026	Sep 30, 2026
Strategic 80	$10,000	$11,621	$12,865	$13,773	$15,630	$16,365

ETFIQ Strategic, 80% stocksHypotheticalLargest drawdown −24.34%, Nov 8, 2021 to Oct 14, 2022

Value of $10,000 at six points from Sep 30, 2021 to Sep 30, 2026; the same numbers as the chart, hypothetical.
Value on	Sep 30, 2021	Sep 29, 2022	Sep 29, 2023	Sep 27, 2024	Sep 30, 2025	Sep 30, 2026
Strategic 80	$10,000	$8,125	$9,385	$11,918	$13,633	$15,358

ETFIQ Strategic, 80% stocksHypotheticalLargest drawdown −28.15%, Feb 12, 2020 to Mar 23, 2020

Value of $10,000 at six points from Sep 30, 2016 to Sep 30, 2026; the same numbers as the chart, hypothetical.
Value on	Sep 30, 2016	Sep 28, 2018	Sep 29, 2020	Sep 27, 2022	Sep 27, 2024	Sep 30, 2026
Strategic 80	$10,000	$12,343	$13,954	$13,850	$20,388	$26,272

ETFIQ Strategic, 80% stocksHypotheticalLargest drawdown −28.15%, Feb 12, 2020 to Mar 23, 2020

Value of $10,000 at six points from Jan 4, 2010 to Oct 7, 2026; the same numbers as the chart, hypothetical.
Value on	Jan 4, 2010	May 10, 2013	Sep 14, 2016	Jan 22, 2020	May 26, 2023	Oct 7, 2026
Strategic 80	$10,000	$13,100	$15,325	$21,768	$25,040	$41,487

Facts

As of Oct 7, 2026

Family · band: Strategic · 70 to 85%
Stock share, the rule: 80%
Stock share, measured: 79.19%
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: Jan 4, 2010
Base date: Jan 4, 2010 = $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 Strategic, 80% stocks	+10.69%	+12.65%	+17.84%	+8.96%	+10.14%	+9.23%

*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. Series starts Jan 4, 2010; tracked from Oct 5, 2026.

Risk by window

Prices to Sep 30, 2026

Measure	3 years*	5 years*	10 years*
Measure	Portfolio	Portfolio	Portfolio
Volatility (annualised) Sample standard deviation of monthly returns, times the square root of 12	10.10%	12.90%	12.39%
Maximum drawdown Largest fall from a peak to a later low, on daily values, in the window	−13.18% (Feb 18 to Apr 8, 2025)	−24.34% (Nov 8, 2021 to Oct 14, 2022)	−28.15% (Feb 12 to Mar 23, 2020)
Worst month Lowest single calendar-month return	−5.32% (Mar 2026)	−8.46% (Sep 2022)	−12.00% (Mar 2020)
Sharpe on T-bills Return over the Treasury 13-week bill rate, per unit of volatility, monthly	1.24	0.43	0.64

*Hypothetical as a whole: the window begins before the tracked date, Oct 5, 2026.

Calendar years with percentile in band

Band 70 to 85% · prices to Oct 7, 2026

Year	Strategic 80	Band median	Percentile · funds	Band low to high
2026 to Oct 7, 2026*	+10.69%	not published	not published	not published
2025*	+19.29%	not published	not published	not published
2024*	+13.35%	not published	not published	not published
2023*	+18.65%	not published	not published	not published
2022*	−16.89%	not published	not published	not published
2021*	+14.05%	not published	not published	not published
2020*	+15.31%	not published	not published	not published
2019*	+23.16%	not published	not published	not published
2018*	−7.73%	not published	not published	not published
2017*	+20.03%	not published	not published	not published
2016*	+7.40%	not published	not published	not published
2015*	−1.24%	not published	not published	not published
2014*	+4.18%	not published	not published	not published
2013*	+17.58%	not published	not published	not published
2012*	+14.52%	not published	not published	not published
2011*	−4.33%	not published	not published	not published
2010	not published	not published	not published	not published

*Hypothetical: the year starts before Oct 5, 2026, when the tracked record starts. Not published: 2010. The history starts 2010-01-04, after the last close of December 2009. 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 close

11 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.

VT fell 10.76%

Jan 11 to Feb 8, 2010

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+1.23%	$10,123	−0.32%
Strategic 20	−1.23%	$9,877	−1.58%
Strategic 40	−3.65%	$9,635	−3.90%
Strategic 60	−6.05%	$9,395	−6.21%
Strategic 80	−8.42%	$9,158	−8.48%
Strategic 95	−10.18%	$8,982	−10.18%
Global Stocks	−10.76%	$8,924	−10.76%
US Stocks	−7.77%	$9,223	−8.07%

VT fell 16.44%

Apr 14 to Jun 7, 2010

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+2.46%	$10,246	−0.43%
Strategic 20	−1.53%	$9,847	−1.79%
Strategic 40	−5.41%	$9,459	−5.46%
Strategic 60	−9.18%	$9,082	−9.18%
Strategic 80	−12.86%	$8,714	−12.86%
Strategic 95	−15.55%	$8,445	−15.55%
Global Stocks	−16.44%	$8,356	−16.44%
US Stocks	−13.08%	$8,692	−13.79%

VT fell 23.83%

Apr 29 to Oct 3, 2011

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+5.35%	$10,535	−1.10%
Strategic 20	−1.06%	$9,894	−2.41%
Strategic 40	−7.18%	$9,282	−7.26%
Strategic 60	−13.00%	$8,700	−13.00%
Strategic 80	−18.55%	$8,145	−18.55%
Strategic 95	−22.54%	$7,746	−22.54%
Global Stocks	−23.83%	$7,617	−23.83%
US Stocks	−19.94%	$8,006	−19.94%

AGG fell 5.14%

May 2 to Sep 5, 2013

$10,000

Member	Return	On $10,000	Max DD
US Bonds	−5.16%	$9,484	−5.16%
Strategic 20	−3.81%	$9,619	−4.88%
Strategic 40	−2.45%	$9,755	−5.69%
Strategic 60	−1.09%	$9,891	−6.71%
Strategic 80	+0.28%	$10,028	−7.71%
Strategic 95	+1.31%	$10,131	−8.46%
Global Stocks	+1.65%	$10,165	−8.70%
US Stocks	+4.90%	$10,490	−5.67%

VT fell 19.79%

May 21, 2015 to Feb 11, 2016

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+2.12%	$10,212	−1.62%
Strategic 20	−2.53%	$9,747	−3.20%
Strategic 40	−7.04%	$9,296	−7.10%
Strategic 60	−11.43%	$8,857	−11.43%
Strategic 80	−15.68%	$8,432	−15.68%
Strategic 95	−18.78%	$8,122	−18.78%
Global Stocks	−19.79%	$8,021	−19.79%
US Stocks	−14.69%	$8,531	−14.74%

VT fell 19.97%

Jan 26 to Dec 24, 2018

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+0.36%	$10,036	−2.19%
Strategic 20	−3.89%	$9,611	−3.89%
Strategic 40	−8.05%	$9,195	−8.05%
Strategic 60	−12.12%	$8,788	−12.12%
Strategic 80	−16.09%	$8,391	−16.09%
Strategic 95	−19.01%	$8,099	−19.01%
Global Stocks	−19.97%	$8,003	−19.97%
US Stocks	−16.98%	$8,302	−20.07%

VT fell 34.23%

Feb 12 to Mar 23, 2020

$10,000

Member	Return	On $10,000	Max DD
US Bonds	−1.08%	$9,892	−8.83%
Strategic 20	−8.28%	$9,172	−11.58%
Strategic 40	−15.18%	$8,482	−16.62%
Strategic 60	−21.81%	$7,819	−21.81%
Strategic 80	−28.15%	$7,185	−28.15%
Strategic 95	−32.74%	$6,726	−32.74%
Global Stocks	−34.23%	$6,577	−34.23%
US Stocks	−34.75%	$6,525	−35.00%

AGG fell 9.58%

Mar 6 to Mar 18, 2020

$10,000

Member	Return	On $10,000	Max DD
US Bonds	−8.83%	$9,117	−8.83%
Strategic 20	−11.50%	$8,850	−11.50%
Strategic 40	−14.18%	$8,582	−14.18%
Strategic 60	−16.90%	$8,310	−16.90%
Strategic 80	−19.63%	$8,037	−19.63%
Strategic 95	−21.70%	$7,830	−21.70%
Global Stocks	−22.39%	$7,761	−22.39%
US Stocks	−20.74%	$7,926	−20.74%

AGG fell 18.44%, not yet regained

Aug 4, 2020 to Oct 20, 2022

$10,000

Member	Return	On $10,000	Max DD
US Bonds	−18.50%	$8,150	−18.50%
Strategic 20	−13.97%	$8,603	−18.74%
Strategic 40	−9.36%	$9,064	−20.32%
Strategic 60	−4.69%	$9,531	−22.31%
Strategic 80	+0.04%	$10,004	−24.34%
Strategic 95	+3.62%	$10,362	−25.87%
Global Stocks	+4.81%	$10,481	−26.39%
US Stocks	+12.89%	$11,289	−25.36%

VT fell 26.39%

Nov 8, 2021 to Oct 12, 2022

$10,000

Member	Return	On $10,000	Max DD
US Bonds	−15.50%	$8,450	−15.86%
Strategic 20	−17.69%	$8,231	−17.85%
Strategic 40	−19.87%	$8,013	−19.92%
Strategic 60	−22.05%	$7,795	−22.05%
Strategic 80	−24.22%	$7,578	−24.22%
Strategic 95	−25.85%	$7,415	−25.85%
Global Stocks	−26.39%	$7,361	−26.39%
US Stocks	−25.04%	$7,496	−25.36%

VT fell 16.51%

Feb 18 to Apr 8, 2025

$10,000

Member	Return	On $10,000	Max DD
US Bonds	+1.00%	$10,100	−1.78%
Strategic 20	−2.67%	$9,733	−3.64%
Strategic 40	−6.26%	$9,374	−6.39%
Strategic 60	−9.76%	$9,024	−9.76%
Strategic 80	−13.18%	$8,682	−13.18%
Strategic 95	−15.69%	$8,431	−15.69%
Global Stocks	−16.51%	$8,349	−16.51%
US Stocks	−19.25%	$8,075	−19.37%

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.

Holdings

Weights in force since Jan 4, 2010

Fund	Sleeve	Weight	Fee
VT Vanguard Total World Stock Index ETF	Global stocks	80%	0.06%
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 Jan 4, 2010. Each fund’s expense ratio is from its prospectus, as of Feb 27, 2026, Apr 28, 2026 and Jun 18, 2026.

Exposures

Holdings as of May 31 to Jul 31, 2026

Stocks79.19%

Where it comes from: VT 79.19

Preferred shares0.21%

Where it comes from: VT 0.21

Bonds19.72%

Where it comes from: BND 9.88 · AGG 9.85

Funds0.00%

Other, including cash0.87%

Where it comes from: VT 0.60 · BND 0.12 · AGG 0.15

U.S. stocks49.28%

Where it comes from: VT 49.28

Non-U.S. stocks29.92%

Where it comes from: VT 29.92

Government bonds13.83%

Where it comes from: BND 6.84 · AGG 6.99

Corporate bonds5.33%

Where it comes from: BND 2.82 · AGG 2.50

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.

Factor loadings

199 months to Aug 31, 2026

Regression of monthly excess returns on the five Fama-French factors and momentum, by least squares, with a t statistic for each.

Market (Mkt-RF) 0.78 (t 43.09)

Size (SMB) −0.06 (t −2.01)

Value (HML) 0.01 (t 0.46)

Profitability (RMW) −0.02 (t −0.70)

Investment (CMA) 0.06 (t 1.22)

Momentum (Mom) −0.06 (t −2.59)

R² 0.92. 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.

Turnover

12 months to Sep 30, 2026 · 4.51% a year

Share of the benchmark traded each month, from the rule’s rebalances.

Oct 2025Every month a reset to the same targetsSep 2026

Each month is the sum of its rebalances’ turnover, one side of the trades over the portfolio; the 12 add up to 4.51% a year. Trading costs are not deducted from the returns. Since Jan 29, 2010: 5.96% a year.

Look-through holdings

Books as of Aug 31 to Oct 6, 2026

99.69% of the portfolio seen through to securities; 0.31% 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 −0.46% of the portfolio. Matched by ETFIQ security id (all 3 books read carry a sid for every row). Books: VT Aug 31, 2026, BND Aug 31, 2026, AGG Oct 6, 2026.

#	Security	Share of portfolio	Held by
1	NVIDIA Corp NVDA Held by VT 3.46	3.46%	1 of 3 funds
2	Apple Inc AAPL Held by VT 3.07	3.07%	1 of 3 funds
3	Microsoft Corp MSFT Held by VT 2.53	2.53%	1 of 3 funds
4	Amazon.com Inc AMZN Held by VT 1.69	1.69%	1 of 3 funds
5	Alphabet Inc GOOGL Held by VT 1.35	1.35%	1 of 3 funds
6	Taiwan Semiconductor Manufacturing Co Ltd Held by VT 1.23	1.23%	1 of 3 funds
7	Broadcom Inc AVGO Held by VT 1.16	1.16%	1 of 3 funds
8	Alphabet Inc GOOG Held by VT 1.05	1.05%	1 of 3 funds
9	Meta Platforms Inc META Held by VT 0.84	0.84%	1 of 3 funds
10	Micron Technology Inc MU Held by VT 0.73	0.73%	1 of 3 funds
11	Tesla Inc TSLA Held by VT 0.72	0.72%	1 of 3 funds
12	JPMorgan Chase & Co JPM Held by VT 0.64	0.64%	1 of 3 funds
13	Eli Lilly & Co LLY Held by VT 0.62	0.62%	1 of 3 funds
14	MKTLIQ Held by VT 0.48 · BND 0.12	0.60%	2 of 3 funds
15	Samsung Electronics Co Ltd Held by VT 0.59	0.59%	1 of 3 funds
16	Berkshire Hathaway Inc Held by VT 0.55	0.55%	1 of 3 funds
17	Advanced Micro Devices Inc AMD Held by VT 0.51	0.51%	1 of 3 funds
18	SLBBH1142 Held by VT 0.47	0.47%	1 of 3 funds
19	SK hynix Inc Held by VT 0.45	0.45%	1 of 3 funds
20	ExxonMobil Holdings Corp XOM Held by VT 0.45	0.45%	1 of 3 funds
21	ASML Holding NV ASML Held by VT 0.44	0.44%	1 of 3 funds
22	Johnson & Johnson JNJ Held by VT 0.43	0.43%	1 of 3 funds
23	Visa Inc V Held by VT 0.42	0.42%	1 of 3 funds
24	Mastercard Inc MA Held by VT 0.32	0.32%	1 of 3 funds
25	Walmart Inc WMT Held by VT 0.31	0.31%	1 of 3 funds

The 25 largest of 30,355 securities matched across 3 funds; each row opens to list the funds that hold it.

Costs

Fees from prospectuses, Feb 27 to Jun 18, 2026

Layer	A year	On $10,000	Source · date
Weighted fund fee	0.05%	$5.40	Prospectuses · Feb 27 to Jun 18, 2026

Weighted expense ratio 0.05%, each weight times its fund’s expense ratio. It is already inside the returns below.

Change log

Every target-weight change since Jan 4, 2010 · newest first

2010*

Date	Holding	Old	New	Reason
Jan 4, 2010	VT	not held	80.00%	Initial allocation
Jan 4, 2010	BND	not held	10.00%	Initial allocation
Jan 4, 2010	AGG	not held	10.00%	Initial allocation

*A change before Oct 5, 2026 is hypothetical: the rule applied to earlier prices. 201 drift rebalances between Jan 4, 2010 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: 80% VT and 20% US bonds (BND and AGG in equal parts), rebalanced on the last trading day of each month. The strategic family’s rule, as the method states it: “x% VT, (100 - x)% the US bonds sleeve (BND and AGG in equal parts).” 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 Strategic, 80% stocks

What is ETFIQ Strategic, 80% stocks?: A rules-based benchmark: 80% VT and 20% US bonds (BND and AGG in equal parts), rebalanced on the last trading day of each month. ETFIQ publishes it to measure strategic and target-risk allocation models with about 80% in stocks. It is not a fund and cannot be bought.
Is ETFIQ Strategic, 80% 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.

Where to next

Every strategic benchmark →Compare up to five →How the benchmarks are built →Every benchmark →Core funds →Look a portfolio through →Every method →Every model, side by side →

Sources and credit

Prices and distributions, every fund heldData sourced by Tiingo · computed by ETFIQ from Tiingo daily prices · Oct 7, 2026 ↗Holdings, each fundETFIQ open data: each fund’s book and its N-PORT facts The T-bill rate, for the Sharpe ratioU.S. Treasury daily bill rates ↗Fees and prospectuses, each fundEach fund’s page, with its prospectus and fee Factor returns, for the loadingsKenneth R. French data library ↗The rule, v1.3How the ETFIQ benchmarks are built

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.

Cite this page

ETFIQ, ETFIQ Strategic, 80% stocks benchmark, data as of Oct 7, 2026. https://etfiq.com/benchmarks/strategic-80/

Open data →

CSVholdings returns calendar years risk and cost

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.

ETFIQ Strategic, 80% stocks benchmark

Stock-share scale

Growth of $10,000

Facts

Return table

Risk by window

Calendar years with percentile in band

Stress windows

Holdings

Exposures

Factor loadings

Turnover

Look-through holdings

Costs

Change log

Method, definitions and disclosures

Questions people ask about Strategic, 80% stocks