All Country World 40/60 Portfolio vs Stocks/Bonds 40/60 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - June 2025 (~41 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1985/01 - 2025/06)
Inflation Adjusted:
All Country World 40/60 Portfolio
1.00$
Invested Capital
July 1995
7.15$
Final Capital
June 2025
6.78%
Yearly Return
7.67%
Std Deviation
-24.07%
Max Drawdown
29months
Recovery Period
1.00$
Invested Capital
July 1995
3.40$
Final Capital
June 2025
4.16%
Yearly Return
7.67%
Std Deviation
-25.82%
Max Drawdown
46months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
25.94$
Final Capital
June 2025
8.37%
Yearly Return
7.85%
Std Deviation
-24.07%
Max Drawdown
29months
Recovery Period
1.00$
Invested Capital
January 1985
8.53$
Final Capital
June 2025
5.44%
Yearly Return
7.85%
Std Deviation
-25.82%
Max Drawdown
46months*
Recovery Period
* in progress
Stocks/Bonds 40/60 Portfolio
1.00$
Invested Capital
July 1995
7.69$
Final Capital
June 2025
7.04%
Yearly Return
7.03%
Std Deviation
-19.17%
Max Drawdown
25months
Recovery Period
1.00$
Invested Capital
July 1995
3.66$
Final Capital
June 2025
4.42%
Yearly Return
7.03%
Std Deviation
-24.11%
Max Drawdown
46months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
25.29$
Final Capital
June 2025
8.30%
Yearly Return
7.25%
Std Deviation
-19.17%
Max Drawdown
25months
Recovery Period
1.00$
Invested Capital
January 1985
8.32$
Final Capital
June 2025
5.37%
Yearly Return
7.25%
Std Deviation
-24.11%
Max Drawdown
46months*
Recovery Period
* in progress

As of June 2025, in the previous 30 Years, the All Country World 40/60 Portfolio obtained a 6.78% compound annual return, with a 7.67% standard deviation. It suffered a maximum drawdown of -24.07% that required 29 months to be recovered.

As of June 2025, in the previous 30 Years, the Stocks/Bonds 40/60 Portfolio obtained a 7.04% compound annual return, with a 7.03% standard deviation. It suffered a maximum drawdown of -19.17% that required 25 months to be recovered.

Disclaimer: The simulations on this website are provided in good faith but should NOT be taken as investment advice. We are not liable for any errors or actions based on this information. The authors of the website are not affiliated with the portfolio creators, who are the sole owners of their intellectual property. The translation of asset allocations into ETFs is based on the interpretation of LazyPortfolioETF.com and may not exactly reflect the original intent of the portfolio creators. Content is for informational, educational, illustrative, and entertainment purposes only.
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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Weight
(%)
Ticker Name
40.00
VT
Vanguard Total World Stock
30.00
BND
Vanguard Total Bond Market
21.00
BNDX
Vanguard Total International Bond
9.00
EMB
iShares JP Morgan USD Em Mkts Bd
Weight
(%)
Ticker Name
40.00
VTI
Vanguard Total Stock Market
60.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of Jun 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/07 - 2025/06)
All Data
(1985/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 40/60
1 $ 7.15 $ 615.02% 6.78%
Stocks/Bonds 40/60
1 $ 7.69 $ 669.49% 7.04%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 40/60
1 $ 3.40 $ 239.83% 4.16%
Stocks/Bonds 40/60
1 $ 3.66 $ 265.71% 4.42%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 40/60
1 $ 25.94 $ 2 493.81% 8.37%
Stocks/Bonds 40/60
1 $ 25.29 $ 2 428.74% 8.30%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 40/60
1 $ 8.53 $ 753.38% 5.44%
Stocks/Bonds 40/60
1 $ 8.32 $ 731.97% 5.37%

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Return (%) as of Jun 30, 2025
YTD
(6M)
1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 40/60
-- Market Benchmark
6.32 2.66 6.32 10.64 5.33 5.40 6.78 8.37
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 40/60
-- Market Benchmark
4.65 2.96 4.65 9.91 5.91 6.36 7.04 8.30
Returns over 1 year are annualized.
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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 July 2024 - 30 June 2025 (1 year)
Period: 1 July 2020 - 30 June 2025 (5 years)
Period: 1 July 2015 - 30 June 2025 (10 years)
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1985 - 30 June 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/06)
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All Country World 40/60 Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks 40% 40%
Fixed Income 60% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.64 9.91
Infl. Adjusted (%) 8.01 7.30
DRAWDOWN
Deepest Drawdown Depth (%) -2.09 -2.59
Start to Recovery (months) 3 7
Longest Drawdown Depth (%) -2.09 -2.59
Start to Recovery (months) 3 7
Longest Negative Period (months) 7 7
RISK INDICATORS
Standard Deviation (%) 5.95 6.62
Sharpe Ratio 1.01 0.80
Sortino Ratio 1.23 1.02
Ulcer Index 1.00 1.32
Ratio: Return / Standard Deviation 1.79 1.50
Ratio: Return / Deepest Drawdown 5.08 3.83
Metrics calculated over the period 1 July 2024 - 30 June 2025
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All Country World 40/60 Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks 40% 40%
Fixed Income 60% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.33 5.91
Infl. Adjusted (%) 0.77 1.33
DRAWDOWN
Deepest Drawdown Depth (%) -19.51 -18.63
Start to Recovery (months) 31 30
Longest Drawdown Depth (%) -19.51 -18.63
Start to Recovery (months) 31 30
Longest Negative Period (months) 39 38
RISK INDICATORS
Standard Deviation (%) 9.29 9.46
Sharpe Ratio 0.29 0.34
Sortino Ratio 0.39 0.46
Ulcer Index 7.48 7.38
Ratio: Return / Standard Deviation 0.57 0.63
Ratio: Return / Deepest Drawdown 0.27 0.32
Metrics calculated over the period 1 July 2020 - 30 June 2025
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All Country World 40/60 Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks 40% 40%
Fixed Income 60% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.40 6.36
Infl. Adjusted (%) 2.28 3.22
DRAWDOWN
Deepest Drawdown Depth (%) -19.51 -18.63
Start to Recovery (months) 31 30
Longest Drawdown Depth (%) -19.51 -18.63
Start to Recovery (months) 31 30
Longest Negative Period (months) 39 38
RISK INDICATORS
Standard Deviation (%) 8.14 8.09
Sharpe Ratio 0.44 0.56
Sortino Ratio 0.58 0.75
Ulcer Index 5.55 5.39
Ratio: Return / Standard Deviation 0.66 0.79
Ratio: Return / Deepest Drawdown 0.28 0.34
Metrics calculated over the period 1 July 2015 - 30 June 2025
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All Country World 40/60 Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks 40% 40%
Fixed Income 60% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.78 7.04
Infl. Adjusted (%) 4.16 4.42
DRAWDOWN
Deepest Drawdown Depth (%) -24.07 -19.17
Start to Recovery (months) 29 25
Longest Drawdown Depth (%) -9.35 -8.59
Start to Recovery (months) 32 33
Longest Negative Period (months) 50 50
RISK INDICATORS
Standard Deviation (%) 7.67 7.03
Sharpe Ratio 0.59 0.68
Sortino Ratio 0.77 0.90
Ulcer Index 4.74 4.21
Ratio: Return / Standard Deviation 0.88 1.00
Ratio: Return / Deepest Drawdown 0.28 0.37
Metrics calculated over the period 1 July 1995 - 30 June 2025
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All Country World 40/60 Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks 40% 40%
Fixed Income 60% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.37 8.30
Infl. Adjusted (%) 5.44 5.37
DRAWDOWN
Deepest Drawdown Depth (%) -24.07 -19.17
Start to Recovery (months) 29 25
Longest Drawdown Depth (%) -9.35 -8.59
Start to Recovery (months) 32 33
Longest Negative Period (months) 50 50
RISK INDICATORS
Standard Deviation (%) 7.85 7.25
Sharpe Ratio 0.66 0.71
Sortino Ratio 0.88 0.94
Ulcer Index 4.30 3.88
Ratio: Return / Standard Deviation 1.07 1.15
Ratio: Return / Deepest Drawdown 0.35 0.43
Metrics calculated over the period 1 January 1985 - 30 June 2025
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Drawdowns

A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.

DRAWDOWN COMPARISON
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1985 - 30 June 2025 (~41 years)
30 Years
(1995/07 - 2025/06)

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All Country World 40/60 Stocks/Bonds 40/60
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-24.07 29 Nov 2007
Mar 2010
-19.51 31 Jan 2022
Jul 2024
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-10.07 6 Feb 2020
Jul 2020
-9.35 32 Sep 2000
Apr 2003
-8.59 33 Sep 2000
May 2003
-8.12 4 Jul 1998
Oct 1998
-8.09 4 Feb 2020
May 2020
-6.92 9 May 2011
Jan 2012
-6.25 5 Jul 1998
Nov 1998
-5.40 14 Feb 2018
Mar 2019
-5.36 7 Sep 2018
Mar 2019
-5.18 14 May 2015
Jun 2016
-4.76 7 Jun 2011
Dec 2011

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All Country World 40/60 Stocks/Bonds 40/60
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-24.07 29 Nov 2007
Mar 2010
-19.51 31 Jan 2022
Jul 2024
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-13.08 14 Sep 1987
Oct 1988
-12.43 13 Sep 1987
Sep 1988
-10.07 6 Feb 2020
Jul 2020
-9.35 32 Sep 2000
Apr 2003
-8.59 33 Sep 2000
May 2003
-8.12 4 Jul 1998
Oct 1998
-8.09 4 Feb 2020
May 2020
-7.77 7 Aug 1990
Feb 1991
-6.92 9 May 2011
Jan 2012
-6.25 5 Jul 1998
Nov 1998
-5.98 13 Feb 1994
Feb 1995

Rolling Returns

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the Simulation Settings.

You can explore the Rolling Returns for a single portfolio, or check the return differential, by switching on "Head To Head" toggle.

Rolling Returns Comparison
Annualized Rolling Returns Chart
Rolling Returns Chart - Inflation Adjusted
Time Period: 1 January 1985 - 30 June 2025 (~41 years)


Head To Head (Ptf 1 vs Ptf 2):
US Inflation Adjusted:

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Yearly Returns

For each year, the following table provides the return and intra-year drawdown. The highlighted returns represent the highest values for that specific year.

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All Country World 40/60 Stocks/Bonds 40/60
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
6.32 -1.76 4.65 -2.35
2024
8.26 -2.70 10.35 -3.23
2023
13.20 -6.36 13.66 -6.58
2022
-15.50 -19.51 -15.67 -18.63
2021
6.07 -2.52 9.15 -2.56
2020
10.42 -10.07 13.04 -8.09
2019
16.42 -1.74 17.57 -1.77
2018
-3.84 -5.40 -2.15 -5.36
2017
12.29 0.00 10.63 0.00
2016
5.97 -2.44 6.64 -1.57
2015
-0.23 -5.18 0.48 -3.41
2014
5.59 -1.74 8.51 -1.20
2013
7.68 -4.01 12.12 -1.84
2012
11.32 -3.61 8.47 -2.11
2011
1.87 -6.92 5.14 -4.76
2010
9.86 -3.62 10.69 -3.96
2009
18.75 -9.54 13.74 -8.68
2008
-15.55 -19.35 -10.67 -14.39
2007
8.52 -1.36 6.30 -1.93
2006
11.71 -1.20 8.84 -1.40
2005
7.56 -1.26 3.96 -1.77
2004
10.43 -2.14 7.66 -2.46
2003
19.38 -0.76 14.68 -1.08
2002
-1.99 -8.27 -3.23 -6.97
2001
0.88 -6.33 0.67 -5.62
2000
2.10 -4.07 2.61 -4.51
1999
12.75 -1.89 9.07 -2.57
1998
14.14 -8.12 14.45 -6.25
1997
9.39 -3.37 18.06 -2.41
1996
10.58 -1.54 10.53 -2.15
1995
19.95 0.00 25.22 0.00
1994
-0.80 -5.88 -1.66 -5.98
1993
18.35 -0.24 10.06 -1.23
1992
3.79 -3.21 7.93 -1.27
1991
19.20 -2.55 22.10 -1.98
1990
-2.24 -7.77 2.76 -5.70
1989
14.71 -1.63 19.43 -1.12
1988
14.28 -1.60 11.34 -1.71
1987
7.38 -12.43 1.97 -13.08
1986
26.10 -3.68 14.89 -4.37
1985
30.46 -0.76 25.86 -1.17
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