Ahead of SPY at 18 of 60 month-ends.
Same starting value · dividends reinvested
Selected allocation CAGR +7.7%
SPY CAGR +12.0%
Shaded: major market crises Bear Market (2022)
Seven Value Portfolio
7 ETFs · Fixed income · International equity · U.S. value
View holdings
Fixed income · International equity · U.S. value · Inflation-linked bonds · REITs & real estate · U.S. total market · Sector & thematic equity
Where this allocation comes from
Scott Burns · Newspaper column (Dallas Morning News) · 2008
Also known as: Scott Burns Seven Value Portfolio
Six building blocks plus US large-cap value, a seventh each.
| Asset in the source | Weight | Lifolio ETF |
|---|---|---|
| US total stock market | 14.29% | VTI |
| US inflation-protected Treasuries (TIPS) | 14.29% | TIP |
| Developed-market stocks (ex-US) | 14.29% | EFA |
| International Treasuries (unhedged) | 14.29% | BWX |
| US REITs | 14.28% | VNQ |
| Energy stocks | 14.28% | XLE |
| US large-cap value | 14.28% | IWD |
International bonds use BWX, the unhedged fund Burns named himself. BWX listed in October 2007, so history starts then.
Source: scottburns.com
Lifolio is not affiliated with or endorsed by the people or organizations cited. Figures are historical simulations under Lifolio's standard conditions. Sources checked 2026-11-01.
- $10,000 lump sum
- Monthly rebalancing
- Dividends reinvested
- Benchmark: SPY
- No taxes or fees
- $10,000 became
- $14,503 SPY alone: $17,597 −$3,094 vs SPY
- Annual return
- +7.7% SPY +12.0% -4.3pp vs SPY
- Max drawdown (month-end)
- -16.9% SPY -23.9% +7.0pp vs SPY Regained 15 mo after the low
- Below the high at period end
- 0.0% At a high at period end
Key points for this allocation
- By asset class: equities 57.1% · bonds 28.6% · real estate 14.3%.
- Its dividend yield over the last 12 months was 2.6%; the results reinvest dividends.
- During the Bear Market (2022) it returned -15.5%, while SPY returned -19.7%.
Overview ⌄
Compare allocations
The same holdings at different splits. Pick a row to update everything below.
Exploration on Lifolio; these counts do not establish investment performance or preference.
Growth
Starting from $10,000, shown with SPY over the same window. Shaded bands mark major market crises.
Declines and recoveries
Month-end decline from the previous high. Closer to 0% means a smaller fall.
The deepest fall was -16.9%, regained 15 months after the low.
Values below 0% are loss periods
Calendar-year returns
Only years with all twelve months. The table also lists the deepest fall within each year (the in-year low).
Of 4 complete years: 1 with a loss, 1 ahead of SPY.
Show as a table
| Year | Selected allocation | SPY | In-year low |
|---|---|---|---|
| 2025 | +12.9% | +17.7% | -2.3% |
| 2024 | +6.8% | +24.9% | -5.1% |
| 2023 | +10.9% | +26.2% | -8.0% |
| 2022 | -7.3% | -18.2% | -16.9% |
Depending on when you bought
Every month in the window taken as a start, held one, three or five years.
Observed windows overlap and are not independent samples. These shares are not probabilities of future gains.
Holdings
Holdings of the selected split and what each one is.
- BWXState Street SPDR Bloomberg International Treasury Bond ETF 14.29%
- EFAiShares MSCI EAFE ETF 14.29%
- TIPiShares TIPS Bond ETF 14.29%
- VTIVanguard Morningstar Total Stock Market ETF 14.29%
An ETF investing across the U.S. equity market.
- IWDiShares Russell 1000 Value ETF 14.28%
- VNQVanguard Real Estate Index Fund ETF Shares 14.28%
An ETF investing in U.S. real estate equities.
- XLEState Street Energy Select Sector SPDR ETF 14.28%
Questions & methodology
Review calculation settings and how to interpret the selected allocation.
What does the Seven Value Portfolio hold?
State Street SPDR Bloomberg International Treasury Bond ETF (BWX) iShares MSCI EAFE ETF (EFA) iShares TIPS Bond ETF (TIP) Vanguard Morningstar Total Stock Market ETF (VTI): An ETF investing across the U.S. equity market. iShares Russell 1000 Value ETF (IWD) Vanguard Real Estate Index Fund ETF Shares (VNQ): An ETF investing in U.S. real estate equities. State Street Energy Select Sector SPDR ETF (XLE)
What were the return and risk of the Seven Value Portfolio?
From 2021-10-29 to 2026-10-30, the annualized return was +7.7%, maximum drawdown was -16.9%, and Sharpe ratio was 0.35.
How did it compare with holding SPY alone?
From 2021-10-29 to 2026-10-30, the annual return was +7.7% for this split and +12.0% for SPY. Over the same window the maximum drawdown was -16.9% for this split and -23.9% for SPY.
How far did the Seven Value Portfolio fall, and how long did it take to get back?
Over the selected 5 years, the largest month-end decline was -16.9%, from a high in 2022-03 to a low in 2022-09. It regained the old high 15 months after the low.
How many losing years did the Seven Value Portfolio have?
1 of 4 complete calendar years ended with a loss. The worst was 2022 (-7.3%).
Are dividends, taxes and exchange rates included?
Dividends are reinvested and results are in USD. Taxes, currency moves against your home currency and trading fees are not included. These results use US-listed ETFs; Korea-listed ETFs such as KODEX and TIGER can be added in the backtest.
The server calculates portfolio examples and actual user allocations with the same period, starting balance and settings. Validated metrics and their supporting charts are shown together.
Price data through: 2026-10-30