DFA Dimensional 2030 Retirement Income Portfolio vs Roger Gibson Talmud 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:
DFA Dimensional 2030 Retirement Income Portfolio
1.00$
Invested Capital
July 1995
8.87$
Final Capital
June 2025
7.55%
Yearly Return
9.22%
Std Deviation
-31.78%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
July 1995
4.22$
Final Capital
June 2025
4.91%
Yearly Return
9.22%
Std Deviation
-32.91%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
36.21$
Final Capital
June 2025
9.27%
Yearly Return
9.44%
Std Deviation
-31.78%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
11.91$
Final Capital
June 2025
6.31%
Yearly Return
9.44%
Std Deviation
-32.91%
Max Drawdown
40months
Recovery Period
Roger Gibson Talmud Portfolio
1.00$
Invested Capital
July 1995
11.33$
Final Capital
June 2025
8.43%
Yearly Return
10.93%
Std Deviation
-40.17%
Max Drawdown
41months
Recovery Period
1.00$
Invested Capital
July 1995
5.38$
Final Capital
June 2025
5.77%
Yearly Return
10.93%
Std Deviation
-42.21%
Max Drawdown
49months
Recovery Period
1.00$
Invested Capital
January 1985
35.42$
Final Capital
June 2025
9.21%
Yearly Return
10.49%
Std Deviation
-40.17%
Max Drawdown
41months
Recovery Period
1.00$
Invested Capital
January 1985
11.65$
Final Capital
June 2025
6.25%
Yearly Return
10.49%
Std Deviation
-42.21%
Max Drawdown
49months
Recovery Period

As of June 2025, in the previous 30 Years, the DFA Dimensional 2030 Retirement Income Portfolio obtained a 7.55% compound annual return, with a 9.22% standard deviation. It suffered a maximum drawdown of -31.78% that required 36 months to be recovered.

As of June 2025, in the previous 30 Years, the Roger Gibson Talmud Portfolio obtained a 8.43% compound annual return, with a 10.93% standard deviation. It suffered a maximum drawdown of -40.17% that required 41 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
17.50
VTI
Vanguard Total Stock Market
17.50
VV
Vanguard Large-Cap
10.50
VEA
Vanguard FTSE Developed Markets
5.20
EEM
iShares MSCI Emerging Markets
5.20
VEU
Vanguard FTSE All-World ex-US
31.90
TIP
iShares TIPS Bond
6.10
BSV
Vanguard Short-Term Bond
6.10
BNDX
Vanguard Total International Bond
Weight
(%)
Ticker Name
33.34
VTI
Vanguard Total Stock Market
33.33
VNQ
Vanguard Real Estate
33.33
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:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA
1 $ 8.87 $ 787.35% 7.55%
Roger Gibson Talmud Portfolio
Roger Gibson
1 $ 11.33 $ 1 032.50% 8.43%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA
1 $ 4.22 $ 321.73% 4.91%
Roger Gibson Talmud Portfolio
Roger Gibson
1 $ 5.38 $ 438.24% 5.77%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA
1 $ 36.21 $ 3 521.35% 9.27%
Roger Gibson Talmud Portfolio
Roger Gibson
1 $ 35.42 $ 3 441.56% 9.21%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA
1 $ 11.91 $ 1 091.45% 6.31%
Roger Gibson Talmud Portfolio
Roger Gibson
1 $ 11.65 $ 1 065.20% 6.25%

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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_dfa.webp Dimensional 2030 Retirement Income
DFA
7.92 3.11 7.92 12.06 8.24 7.10 7.55 9.27
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_roger_gibson.webp Talmud Portfolio
Roger Gibson
3.87 2.44 3.87 10.65 7.42 7.10 8.43 9.21
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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Dimensional 2030 Retirement Income Talmud Portfolio
Author DFA Roger Gibson
ASSET ALLOCATION
Stocks 55.9% 66.67%
Fixed Income 44.1% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.06 10.65
Infl. Adjusted (%) 9.40 8.02
DRAWDOWN
Deepest Drawdown Depth (%) -2.20 -5.09
Start to Recovery (months) 2 7*
Longest Drawdown Depth (%) -1.75 -5.09
Start to Recovery (months) 3 7*
Longest Negative Period (months) 6 8
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.38 9.21
Sharpe Ratio 1.16 0.65
Sortino Ratio 1.46 0.82
Ulcer Index 0.99 2.59
Ratio: Return / Standard Deviation 1.89 1.16
Ratio: Return / Deepest Drawdown 5.49 2.09
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Dimensional 2030 Retirement Income Talmud Portfolio
Author DFA Roger Gibson
ASSET ALLOCATION
Stocks 55.9% 66.67%
Fixed Income 44.1% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.24 7.42
Infl. Adjusted (%) 3.55 2.77
DRAWDOWN
Deepest Drawdown Depth (%) -20.34 -22.88
Start to Recovery (months) 27 32
Longest Drawdown Depth (%) -20.34 -22.88
Start to Recovery (months) 27 32
Longest Negative Period (months) 34 35
RISK INDICATORS
Standard Deviation (%) 10.41 12.95
Sharpe Ratio 0.53 0.37
Sortino Ratio 0.71 0.50
Ulcer Index 7.20 9.90
Ratio: Return / Standard Deviation 0.79 0.57
Ratio: Return / Deepest Drawdown 0.40 0.32
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Dimensional 2030 Retirement Income Talmud Portfolio
Author DFA Roger Gibson
ASSET ALLOCATION
Stocks 55.9% 66.67%
Fixed Income 44.1% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.10 7.10
Infl. Adjusted (%) 3.94 3.94
DRAWDOWN
Deepest Drawdown Depth (%) -20.34 -22.88
Start to Recovery (months) 27 32
Longest Drawdown Depth (%) -20.34 -22.88
Start to Recovery (months) 27 32
Longest Negative Period (months) 34 35
RISK INDICATORS
Standard Deviation (%) 9.48 11.58
Sharpe Ratio 0.56 0.46
Sortino Ratio 0.74 0.61
Ulcer Index 5.50 7.39
Ratio: Return / Standard Deviation 0.75 0.61
Ratio: Return / Deepest Drawdown 0.35 0.31
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Dimensional 2030 Retirement Income Talmud Portfolio
Author DFA Roger Gibson
ASSET ALLOCATION
Stocks 55.9% 66.67%
Fixed Income 44.1% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.55 8.43
Infl. Adjusted (%) 4.91 5.77
DRAWDOWN
Deepest Drawdown Depth (%) -31.78 -40.17
Start to Recovery (months) 36 41
Longest Drawdown Depth (%) -15.10 -40.17
Start to Recovery (months) 38 41
Longest Negative Period (months) 60 65
RISK INDICATORS
Standard Deviation (%) 9.22 10.93
Sharpe Ratio 0.57 0.56
Sortino Ratio 0.75 0.73
Ulcer Index 6.19 7.45
Ratio: Return / Standard Deviation 0.82 0.77
Ratio: Return / Deepest Drawdown 0.24 0.21
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Dimensional 2030 Retirement Income Talmud Portfolio
Author DFA Roger Gibson
ASSET ALLOCATION
Stocks 55.9% 66.67%
Fixed Income 44.1% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.27 9.21
Infl. Adjusted (%) 6.31 6.25
DRAWDOWN
Deepest Drawdown Depth (%) -31.78 -40.17
Start to Recovery (months) 36 41
Longest Drawdown Depth (%) -15.10 -40.17
Start to Recovery (months) 38 41
Longest Negative Period (months) 60 65
RISK INDICATORS
Standard Deviation (%) 9.44 10.49
Sharpe Ratio 0.65 0.58
Sortino Ratio 0.85 0.74
Ulcer Index 5.64 6.67
Ratio: Return / Standard Deviation 0.98 0.88
Ratio: Return / Deepest Drawdown 0.29 0.23
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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Dimensional 2030 Retirement Income Talmud Portfolio
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-40.17 41 Jun 2007
Oct 2010
-31.78 36 Nov 2007
Oct 2010
-22.88 32 Jan 2022
Aug 2024
-20.34 27 Jan 2022
Mar 2024
-15.16 7 Feb 2020
Aug 2020
-15.10 38 Sep 2000
Oct 2003
-11.58 6 Feb 2020
Jul 2020
-10.50 8 Jun 2011
Jan 2012
-10.43 6 Jul 1998
Dec 1998
-9.50 9 May 2011
Jan 2012
-8.26 14 Apr 2002
May 2003
-8.22 5 Jul 1998
Nov 1998
-7.57 6 Sep 2018
Feb 2019
-7.57 14 Feb 2018
Mar 2019
-7.01 15 May 2015
Jul 2016

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Dimensional 2030 Retirement Income Talmud Portfolio
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-40.17 41 Jun 2007
Oct 2010
-31.78 36 Nov 2007
Oct 2010
-22.88 32 Jan 2022
Aug 2024
-20.34 27 Jan 2022
Mar 2024
-15.52 17 Sep 1987
Jan 1989
-15.36 16 Sep 1987
Dec 1988
-15.16 7 Feb 2020
Aug 2020
-15.10 38 Sep 2000
Oct 2003
-11.58 6 Feb 2020
Jul 2020
-10.69 7 Aug 1990
Feb 1991
-10.50 8 Jun 2011
Jan 2012
-10.43 6 Jul 1998
Dec 1998
-10.14 7 Jul 1990
Jan 1991
-9.50 9 May 2011
Jan 2012
-8.70 20 Oct 1993
May 1995

Rolling Returns

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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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Dimensional 2030 Retirement Income Talmud Portfolio
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
7.92 -1.75 3.87 -3.70
2024
10.52 -2.68 10.00 -4.87
2023
14.37 -6.81 14.42 -9.16
2022
-15.68 -20.34 -19.62 -22.88
2021
12.36 -2.79 21.44 -3.93
2020
13.87 -11.58 8.02 -15.16
2019
18.74 -2.99 22.79 -1.65
2018
-4.97 -7.57 -3.78 -7.57
2017
14.85 0.00 9.90 -0.80
2016
7.26 -2.45 7.99 -4.84
2015
-1.32 -6.97 1.11 -5.69
2014
5.23 -2.58 16.24 -3.05
2013
11.66 -3.78 11.22 -4.74
2012
12.36 -4.05 12.41 -3.41
2011
2.36 -9.50 5.83 -10.50
2010
10.90 -6.53 17.33 -7.24
2009
22.15 -11.27 20.87 -18.28
2008
-21.57 -25.38 -22.37 -28.90
2007
10.20 -1.97 -1.40 -7.11
2006
11.79 -2.25 18.42 -3.01
2005
7.33 -2.02 6.88 -3.47
2004
11.75 -3.31 15.93 -6.69
2003
22.57 -1.69 23.46 -1.81
2002
-4.09 -9.28 -2.82 -8.26
2001
-3.94 -11.17 3.27 -5.08
2000
-0.49 -5.91 9.05 -4.13
1999
15.39 -2.49 6.34 -4.64
1998
15.08 -8.22 5.18 -10.43
1997
14.36 -4.20 19.74 -1.89
1996
10.23 -2.48 19.46 -1.65
1995
22.89 -0.22 22.03 -0.94
1994
-1.78 -6.92 -3.74 -8.67
1993
19.97 -2.72 13.33 -2.90
1992
3.96 -4.06 10.28 -1.73
1991
26.29 -3.29 27.78 -2.56
1990
-2.02 -10.69 -4.26 -10.14
1989
23.94 -0.66 16.87 -1.33
1988
14.85 -2.75 12.71 -1.50
1987
4.04 -15.36 0.17 -15.52
1986
23.82 -4.63 16.28 -3.57
1985
31.63 -1.43 24.20 -2.28
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