All Country World 80/20 To EUR Hedged Portfolio vs Vanguard LifeStrategy Moderate Growth To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - June 2025 (~50 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1976/01 - 2025/06)
Inflation Adjusted:
All Country World 80/20 To EUR Hedged Portfolio
1.00€
Invested Capital
July 1995
7.41€
Final Capital
June 2025
6.90%
Yearly Return
12.50%
Std Deviation
-43.88%
Max Drawdown
42months
Recovery Period
1.00€
Invested Capital
July 1995
4.05€
Final Capital
June 2025
4.77%
Yearly Return
12.50%
Std Deviation
-45.03%
Max Drawdown
66months
Recovery Period
1.00€
Invested Capital
January 1976
67.01€
Final Capital
June 2025
8.87%
Yearly Return
12.37%
Std Deviation
-43.88%
Max Drawdown
42months
Recovery Period
1.00€
Invested Capital
January 1976
19.89€
Final Capital
June 2025
6.23%
Yearly Return
12.37%
Std Deviation
-45.03%
Max Drawdown
66months
Recovery Period
Vanguard LifeStrategy Moderate Growth To EUR Portfolio
1.00€
Invested Capital
July 1995
8.05€
Final Capital
June 2025
7.20%
Yearly Return
8.92%
Std Deviation
-27.55%
Max Drawdown
61months
Recovery Period
1.00€
Invested Capital
July 1995
4.40€
Final Capital
June 2025
5.06%
Yearly Return
8.92%
Std Deviation
-31.91%
Max Drawdown
124months
Recovery Period
1.00€
Invested Capital
January 1976
57.12€
Final Capital
June 2025
8.52%
Yearly Return
9.43%
Std Deviation
-27.55%
Max Drawdown
61months
Recovery Period
1.00€
Invested Capital
January 1976
16.95€
Final Capital
June 2025
5.88%
Yearly Return
9.43%
Std Deviation
-31.91%
Max Drawdown
124months
Recovery Period

As of June 2025, in the previous 30 Years, the All Country World 80/20 To EUR Hedged Portfolio obtained a 6.90% compound annual return, with a 12.50% standard deviation. It suffered a maximum drawdown of -43.88% that required 42 months to be recovered.

As of June 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth To EUR Portfolio obtained a 7.20% compound annual return, with a 8.92% standard deviation. It suffered a maximum drawdown of -27.55% that required 61 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.

All Country World 80/20 To EUR Hedged Portfolio
Weight
(%)		 Ticker Name
80.00
SPP1.DE
SPDR MSCI ACWI EUR Hedged
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
Vanguard LifeStrategy Moderate Growth To EUR Portfolio
Weight
(%)		 Ticker Name
20.00
EUNL.DE
iShares Core MSCI World
20.00
IUSQ.DE
iShares MSCI ACWI
10.00
SXR8.DE
iShares Core S&P 500
5.00
IS3N.DE
iShares Core MSCI Emerg. Markets
5.00
SXRT.DE
iShares Core EURO STOXX 50
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
10.00
VDTE.DE
Vanguard USD Treasury Bond Eur Hedged
5.00
VDCE.DE
Vanguard USD Corporate Bond EUR Hedged
5.00
XGLE.DE
Xtrackers II Eurozone Government Bond
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Portfolio Returns as of Jun 30, 2025

Returns are calculated in EUR, 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
(1976/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 80/20 To EUR Hedged
 1 € 7.41 € 640.86% 6.90%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 8.05 € 704.96% 7.20%
Jul 1995 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 80/20 To EUR Hedged
 1 € 4.05 € 304.97% 4.77%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 4.40 € 340.01% 5.06%
Jul 1995 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 80/20 To EUR Hedged
 1 € 67.01 € 6 600.58% 8.87%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 57.12 € 5 612.10% 8.52%
Jan 1976 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 80/20 To EUR Hedged
 1 € 19.89 € 1 888.75% 6.23%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 16.95 € 1 595.37% 5.88%
Jan 1976 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~50Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 80/20 • Hedged
-- Market Benchmark 		4.24 3.02 4.24 9.44 9.31 6.85 6.90 8.87
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Moderate Growth
Vanguard 		-0.47 0.93 -0.47 5.09 7.08 6.04 7.20 8.52
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 1976 - 30 June 2025 (~50 years)
1 Year
5 Years
10 Years
30 Years
All (1976/01 - 2025/06)
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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.44 5.09
Infl. Adjusted (%) 7.63 3.35
DRAWDOWN
Deepest Drawdown Depth (%) -6.17 -7.01
Start to Recovery (months) 5 5*
Longest Drawdown Depth (%) -6.17 -7.01
Start to Recovery (months) 5 5*
Longest Negative Period (months) 7 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.47 7.96
Sharpe Ratio 0.57 0.06
Sortino Ratio 0.79 0.08
Ulcer Index 2.44 2.82
Ratio: Return / Standard Deviation 1.11 0.64
Ratio: Return / Deepest Drawdown 1.53 0.73
Metrics calculated over the period 1 July 2024 - 30 June 2025
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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.31 7.08
Infl. Adjusted (%) 5.08 2.94
DRAWDOWN
Deepest Drawdown Depth (%) -19.72 -13.83
Start to Recovery (months) 26 26
Longest Drawdown Depth (%) -19.72 -13.83
Start to Recovery (months) 26 26
Longest Negative Period (months) 32 31
RISK INDICATORS
Standard Deviation (%) 10.79 8.71
Sharpe Ratio 0.61 0.51
Sortino Ratio 0.80 0.70
Ulcer Index 7.50 5.84
Ratio: Return / Standard Deviation 0.86 0.81
Ratio: Return / Deepest Drawdown 0.47 0.51
Metrics calculated over the period 1 July 2020 - 30 June 2025
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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.85 6.04
Infl. Adjusted (%) 4.25 3.45
DRAWDOWN
Deepest Drawdown Depth (%) -19.72 -13.83
Start to Recovery (months) 26 26
Longest Drawdown Depth (%) -19.72 -13.83
Start to Recovery (months) 26 26
Longest Negative Period (months) 36 31
RISK INDICATORS
Standard Deviation (%) 12.17 8.53
Sharpe Ratio 0.41 0.49
Sortino Ratio 0.52 0.66
Ulcer Index 6.48 4.65
Ratio: Return / Standard Deviation 0.56 0.71
Ratio: Return / Deepest Drawdown 0.35 0.44
Metrics calculated over the period 1 July 2015 - 30 June 2025
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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.90 7.20
Infl. Adjusted (%) 4.77 5.06
DRAWDOWN
Deepest Drawdown Depth (%) -43.88 -27.55
Start to Recovery (months) 42 61
Longest Drawdown Depth (%) -35.45 -27.55
Start to Recovery (months) 51 61
Longest Negative Period (months) 122 111
RISK INDICATORS
Standard Deviation (%) 12.50 8.92
Sharpe Ratio 0.37 0.55
Sortino Ratio 0.48 0.74
Ulcer Index 11.08 8.25
Ratio: Return / Standard Deviation 0.55 0.81
Ratio: Return / Deepest Drawdown 0.16 0.26
Metrics calculated over the period 1 July 1995 - 30 June 2025
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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.87 8.52
Infl. Adjusted (%) 6.23 5.88
DRAWDOWN
Deepest Drawdown Depth (%) -43.88 -27.55
Start to Recovery (months) 42 61
Longest Drawdown Depth (%) -35.45 -27.55
Start to Recovery (months) 51 61
Longest Negative Period (months) 122 111
RISK INDICATORS
Standard Deviation (%) 12.37 9.43
Sharpe Ratio 0.37 0.45
Sortino Ratio 0.50 0.61
Ulcer Index 9.36 7.21
Ratio: Return / Standard Deviation 0.72 0.90
Ratio: Return / Deepest Drawdown 0.20 0.31
Metrics calculated over the period 1 January 1976 - 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 1976 - 30 June 2025 (~50 years)
30 Years
(1995/07 - 2025/06)

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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.88 42 Nov 2007
Apr 2011
-35.45 51 Sep 2000
Nov 2004
-27.55 61 Sep 2000
Sep 2005
-27.45 30 Nov 2007
Apr 2010
-19.72 26 Jan 2022
Feb 2024
-19.23 9 Mar 2020
Nov 2020
-16.70 19 May 2011
Nov 2012
-13.83 26 Jan 2022
Feb 2024
-13.38 5 Jul 1998
Nov 1998
-13.16 22 Feb 2018
Nov 2019
-11.15 10 Feb 2020
Nov 2020
-10.98 16 Jun 2015
Sep 2016
-9.93 6 Jul 1998
Dec 1998
-8.74 20 Apr 2015
Nov 2016
-7.98 7 Aug 1997
Feb 1998

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All Country World 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.88 42 Nov 2007
Apr 2011
-35.45 51 Sep 2000
Nov 2004
-27.55 61 Sep 2000
Sep 2005
-27.45 30 Nov 2007
Apr 2010
-22.17 17 Sep 1987
Jan 1989
-21.23 28 Sep 1989
Dec 1991
-20.06 17 Sep 1987
Jan 1989
-19.72 26 Jan 2022
Feb 2024
-19.23 9 Mar 2020
Nov 2020
-18.65 24 Dec 1980
Nov 1982
-17.08 20 Sep 1989
Apr 1991
-16.70 19 May 2011
Nov 2012
-13.83 26 Jan 2022
Feb 2024
-13.38 5 Jul 1998
Nov 1998
-13.16 22 Feb 2018
Nov 2019

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 1976 - 30 June 2025 (~50 years)


Head To Head (Ptf 1 vs Ptf 2):
Eurozone 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 80/20 To EUR Hedged LifeStrategy Moderate Growth To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.24 -6.17 -0.47 -7.01
2024
 15.89 -2.15 15.01 -1.79
2023
 15.69 -7.65 12.87 -5.11
2022
 -16.35 -19.72 -13.78 -13.83
2021
 16.44 -2.73 16.77 -1.71
2020
 10.16 -19.23 5.16 -11.15
2019
 18.36 -4.86 20.85 -2.69
2018
 -9.66 -13.16 -4.21 -6.97
2017
 18.41 0.00 6.10 -1.32
2016
 6.66 -5.13 7.65 -3.44
2015
 -1.72 -9.51 5.41 -8.74
2014
 4.20 -3.26 14.58 -0.73
2013
 18.35 -3.12 10.96 -2.70
2012
 15.12 -7.78 10.32 -1.56
2011
 -4.22 -16.70 0.40 -6.99
2010
 11.84 -9.72 13.81 -2.23
2009
 27.88 -15.41 20.00 -6.85
2008
 -31.71 -32.39 -19.90 -19.90
2007
 9.41 -2.85 2.88 -2.77
2006
 15.78 -2.15 6.27 -4.30
2005
 8.81 -1.83 17.27 -2.06
2004
 14.98 -1.96 6.44 -1.18
2003
 30.59 -1.47 10.02 -3.91
2002
 -12.30 -19.36 -13.98 -17.08
2001
 -11.29 -19.76 -3.65 -12.98
2000
 -9.15 -10.84 -0.54 -9.03
1999
 18.23 -4.31 28.18 -3.91
1998
 18.75 -13.38 10.98 -9.93
1997
 13.38 -5.95 22.21 -7.98
1996
 12.15 -4.35 15.59 -4.32
1995
 17.88 -1.23 13.77 -2.40
1994
 3.77 -5.48 -8.46 -10.88
1993
 27.70 -0.32 29.72 -1.26
1992
 3.54 -2.55 8.93 -8.31
1991
 21.67 -4.96 22.82 -5.00
1990
 -13.52 -18.51 -10.27 -13.20
1989
 12.12 -4.77 17.70 -4.85
1988
 19.05 -2.38 23.32 -2.78
1987
 13.42 -22.17 -6.97 -20.06
1986
 33.99 -5.14 10.20 -4.56
1985
 31.99 -2.07 14.74 -4.58
1984
 2.45 -7.40 14.58 -6.44
1983
 16.56 -2.82 26.36 -0.80
1982
 11.68 -11.66 20.71 -1.21
1981
 -4.49 -11.01 8.78 -8.37
1980
 19.78 -9.50 22.01 -4.17
1979
 4.84 -7.54 3.66 -5.88
1978
 12.05 -6.46 2.89 -7.31
1977
 3.48 -3.66 1.14 -2.34
1976
 14.87 -1.69 12.86 -1.80
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