Stable mixes — two funds, blended

Stable pairs a defensive fund with a growth fund, so most of the money sits in the calmer half. The point is a much shallower ride, not the biggest number. Every mix below is a fixed two-fund blend, held through the same window with the same rules: dividends reinvested and fund fees already deducted. Data as of 2026-09-25 — history, not a forecast.

Data as of 2026-09-25 · window 2016-09-25 → 2026-09-25 · fixed weights, rebalanced daily · dividends reinvested, fund fees already deducted · Market Data from Tiingo.com

Stable mixes, ranked by yearly return

Mix	Return a year	Sharpe	Worst drop	Funds it holds
USFR + DXJ USFR 80% + DXJ 20% — a steadier version of DXJ	+6.0%	1.37	-7.5%	USFR 80% · DXJ 20%
USFR + DBJP USFR 80% + DBJP 20% — a steadier version of DBJP	+5.6%	1.35	-6.9%	USFR 80% · DBJP 20%
USFR + HEWJ USFR 80% + HEWJ 20% — a steadier version of HEWJ	+5.6%	1.35	-7.0%	USFR 80% · HEWJ 20%
TFLO + DXJ TFLO 80% + DXJ 20% — a steadier version of DXJ	+5.9%	1.34	-7.5%	TFLO 80% · DXJ 20%
USFR + OPPJ USFR 80% + OPPJ 20% — a steadier version of OPPJ	+5.7%	1.34	-8.0%	USFR 80% · OPPJ 20%
TFLO + DBJP TFLO 80% + DBJP 20% — a steadier version of DBJP	+5.5%	1.32	-6.9%	TFLO 80% · DBJP 20%
TFLO + HEWJ TFLO 80% + HEWJ 20% — a steadier version of HEWJ	+5.5%	1.32	-7.0%	TFLO 80% · HEWJ 20%
TFLO + OPPJ TFLO 80% + OPPJ 20% — a steadier version of OPPJ	+5.6%	1.32	-8.0%	TFLO 80% · OPPJ 20%
USFR + SPMO USFR 80% + SPMO 20% — a steadier version of SPMO	+6.3%	1.24	-6.7%	USFR 80% · SPMO 20%
TFLO + SPMO TFLO 80% + SPMO 20% — a steadier version of SPMO	+6.2%	1.22	-6.6%	TFLO 80% · SPMO 20%
USFR + IOO USFR 80% + IOO 20% — a steadier version of IOO	+5.5%	1.23	-6.9%	USFR 80% · IOO 20%
USFR + QQQ USFR 80% + QQQ 20% — a steadier version of QQQ	+6.5%	1.23	-6.9%	USFR 80% · QQQ 20%
TFLO + IOO TFLO 80% + IOO 20% — a steadier version of IOO	+5.4%	1.21	-6.8%	TFLO 80% · IOO 20%
TFLO + QQQ TFLO 80% + QQQ 20% — a steadier version of QQQ	+6.4%	1.21	-6.9%	TFLO 80% · QQQ 20%
USFR + PTNQ USFR 80% + PTNQ 20% — a steadier version of PTNQ	+5.3%	1.20	-6.1%	USFR 80% · PTNQ 20%
USFR + IWY USFR 80% + IWY 20% — a steadier version of IWY	+6.1%	1.19	-6.8%	USFR 80% · IWY 20%
USFR + OEF USFR 80% + OEF 20% — a steadier version of OEF	+5.5%	1.19	-6.9%	USFR 80% · OEF 20%
USFR + IWL USFR 80% + IWL 20% — a steadier version of IWL	+5.5%	1.18	-7.2%	USFR 80% · IWL 20%
TFLO + PTNQ TFLO 80% + PTNQ 20% — a steadier version of PTNQ	+5.2%	1.18	-6.0%	TFLO 80% · PTNQ 20%
TFLO + IWY TFLO 80% + IWY 20% — a steadier version of IWY	+6.0%	1.17	-6.6%	TFLO 80% · IWY 20%

The order is arithmetic over past data and is not a judgement about which mix is better. Two mixes can look close in return and be very different in how they felt — the worst-drop column is where that shows up.

How to read this table

Return a year — annualised (CAGR) over the window shown; the mix is rebalanced daily, so each percentage is the blend, not one of its two funds.
Sharpe — return per unit of volatility, risk-free rate taken as zero. Higher means smoother, not better.
Worst drop — the deepest peak-to-trough fall in the window. This is the column people feel most.
Every fund name links to its own page with its own history, fees and every calendar year.

What this page is not

It is not investment advice, not a recommendation, and not a forecast. The mixes are arithmetic over past data — fixed pairs, same rules for everyone. We publish no ratings and no "best fund" list. Past performance is not a reliable indicator of future results.