The Lazy Team High Yield Bonds Income Portfolio vs All Country World 20/80 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - May 2025 (~40 years)
Consolidated Returns as of 31 May 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/06 - 2025/05)
All Data
(1985/01 - 2025/05)
Inflation Adjusted:
The Lazy Team High Yield Bonds Income Portfolio
1.00$
Invested Capital
June 1995
6.72$
Final Capital
May 2025
6.56%
Yearly Return
8.80%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period
1.00$
Invested Capital
June 1995
3.19$
Final Capital
May 2025
3.94%
Yearly Return
8.80%
Std Deviation
-29.88%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
19.98$
Final Capital
May 2025
7.69%
Yearly Return
8.15%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period
1.00$
Invested Capital
January 1985
6.57$
Final Capital
May 2025
4.77%
Yearly Return
8.15%
Std Deviation
-29.88%
Max Drawdown
53months*
Recovery Period
* in progress
All Country World 20/80 Portfolio
1.00$
Invested Capital
June 1995
5.78$
Final Capital
May 2025
6.02%
Yearly Return
5.62%
Std Deviation
-17.97%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
June 1995
2.74$
Final Capital
May 2025
3.42%
Yearly Return
5.62%
Std Deviation
-25.61%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
18.68$
Final Capital
May 2025
7.51%
Yearly Return
5.87%
Std Deviation
-17.97%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
January 1985
6.15$
Final Capital
May 2025
4.60%
Yearly Return
5.87%
Std Deviation
-25.61%
Max Drawdown
53months*
Recovery Period
* in progress

As of May 2025, in the previous 30 Years, the The Lazy Team High Yield Bonds Income Portfolio obtained a 6.56% compound annual return, with a 8.80% standard deviation. It suffered a maximum drawdown of -23.97% that required 21 months to be recovered.

As of May 2025, in the previous 30 Years, the All Country World 20/80 Portfolio obtained a 6.02% compound annual return, with a 5.62% standard deviation. It suffered a maximum drawdown of -17.97% that required 37 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
25.00
EMB
iShares JP Morgan USD Em Mkts Bd
25.00
JNK
SPDR Barclays High Yield Bond ETF
25.00
SPLB
SPDR Portfolio Long Term Corporate Bond ETF
25.00
HYG
iShares iBoxx $ High Yield Corporate Bond
Weight
(%)
Ticker Name
20.00
VT
Vanguard Total World Stock
40.00
BND
Vanguard Total Bond Market
28.00
BNDX
Vanguard Total International Bond
12.00
EMB
iShares JP Morgan USD Em Mkts Bd
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Portfolio Returns as of May 31, 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
(1995/06 - 2025/05)
All Data
(1985/01 - 2025/05)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
The Lazy Team High Yield Bonds Income
The Lazy Team
1 $ 6.72 $ 571.88% 6.56%
All Country World 20/80
1 $ 5.78 $ 478.00% 6.02%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
The Lazy Team High Yield Bonds Income
The Lazy Team
1 $ 3.19 $ 218.69% 3.94%
All Country World 20/80
1 $ 2.74 $ 174.16% 3.42%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
The Lazy Team High Yield Bonds Income
The Lazy Team
1 $ 19.98 $ 1 897.52% 7.69%
All Country World 20/80
1 $ 18.68 $ 1 768.11% 7.51%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
The Lazy Team High Yield Bonds Income
The Lazy Team
1 $ 6.57 $ 557.20% 4.77%
All Country World 20/80
1 $ 6.15 $ 514.62% 4.60%

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Return (%) as of May 31, 2025
YTD
(5M)
1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_lzp.webp High Yield Bonds Income
The Lazy Team
2.54 1.18 0.40 6.92 2.01 3.21 6.56 7.69
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 20/80
-- Market Benchmark
2.96 1.00 1.13 7.51 2.43 3.42 6.02 7.51
Returns over 1 year are annualized.
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Portfolio Metrics as of May 31, 2025

The following metrics, updated as of 31 May 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1985 - 31 May 2025 (~40 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/05)
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High Yield Bonds Income All Country World 20/80
Author The Lazy Team
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.92 7.51
Infl. Adjusted (%) 4.44 5.02
DRAWDOWN
Deepest Drawdown Depth (%) -2.38 -1.93
Start to Recovery (months) 5 2
Longest Drawdown Depth (%) -2.38 -1.78
Start to Recovery (months) 5 3
Longest Negative Period (months) 7 6
RISK INDICATORS
Standard Deviation (%) 5.58 4.75
Sharpe Ratio 0.40 0.59
Sortino Ratio 0.51 0.72
Ulcer Index 1.14 0.83
Ratio: Return / Standard Deviation 1.24 1.58
Ratio: Return / Deepest Drawdown 2.90 3.90
Metrics calculated over the period 1 June 2024 - 31 May 2025
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High Yield Bonds Income All Country World 20/80
Author The Lazy Team
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.01 2.43
Infl. Adjusted (%) -2.49 -2.10
DRAWDOWN
Deepest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Negative Period (months) 52 45
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.67 7.55
Sharpe Ratio -0.06 -0.02
Sortino Ratio -0.09 -0.03
Ulcer Index 9.64 7.78
Ratio: Return / Standard Deviation 0.21 0.32
Ratio: Return / Deepest Drawdown 0.09 0.14
Metrics calculated over the period 1 June 2020 - 31 May 2025
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High Yield Bonds Income All Country World 20/80
Author The Lazy Team
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.21 3.42
Infl. Adjusted (%) 0.14 0.34
DRAWDOWN
Deepest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Negative Period (months) 65 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.85 6.33
Sharpe Ratio 0.16 0.26
Sortino Ratio 0.21 0.34
Ulcer Index 7.17 5.62
Ratio: Return / Standard Deviation 0.36 0.54
Ratio: Return / Deepest Drawdown 0.15 0.19
Metrics calculated over the period 1 June 2015 - 31 May 2025
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High Yield Bonds Income All Country World 20/80
Author The Lazy Team
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.56 6.02
Infl. Adjusted (%) 3.94 3.42
DRAWDOWN
Deepest Drawdown Depth (%) -23.97 -17.97
Start to Recovery (months) 21 37
Longest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Negative Period (months) 65 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.80 5.62
Sharpe Ratio 0.49 0.67
Sortino Ratio 0.65 0.87
Ulcer Index 5.14 3.67
Ratio: Return / Standard Deviation 0.74 1.07
Ratio: Return / Deepest Drawdown 0.27 0.34
Metrics calculated over the period 1 June 1995 - 31 May 2025
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High Yield Bonds Income All Country World 20/80
Author The Lazy Team
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.69 7.51
Infl. Adjusted (%) 4.77 4.60
DRAWDOWN
Deepest Drawdown Depth (%) -23.97 -17.97
Start to Recovery (months) 21 37
Longest Drawdown Depth (%) -21.84 -17.97
Start to Recovery (months) 45* 37
Longest Negative Period (months) 65 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.15 5.87
Sharpe Ratio 0.56 0.74
Sortino Ratio 0.74 1.00
Ulcer Index 4.65 3.32
Ratio: Return / Standard Deviation 0.94 1.28
Ratio: Return / Deepest Drawdown 0.32 0.42
Metrics calculated over the period 1 January 1985 - 31 May 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 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1985 - 31 May 2025 (~40 years)
30 Years
(1995/06 - 2025/05)

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High Yield Bonds Income All Country World 20/80
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-23.97 21 Nov 2007
Jul 2009
-21.84 45* Sep 2021
In progress
-17.97 37 Sep 2021
Sep 2024
-12.99 18 Feb 2008
Jul 2009
-11.99 6 Feb 2020
Jul 2020
-8.48 9 Aug 1998
Apr 1999
-7.79 16 Mar 2015
Jun 2016
-6.71 10 May 2013
Feb 2014
-6.70 7 May 2002
Nov 2002
-6.55 5 Feb 2020
Jun 2020
-5.06 4 Jul 1998
Oct 1998
-4.56 5 Apr 2004
Aug 2004
-4.53 14 Jan 2018
Feb 2019
-4.40 3 Aug 2011
Oct 2011
-4.30 10 May 2013
Feb 2014

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High Yield Bonds Income All Country World 20/80
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-23.97 21 Nov 2007
Jul 2009
-21.84 45* Sep 2021
In progress
-17.97 37 Sep 2021
Sep 2024
-12.99 18 Feb 2008
Jul 2009
-11.99 6 Feb 2020
Jul 2020
-8.48 9 Aug 1998
Apr 1999
-7.89 7 Aug 1990
Feb 1991
-7.79 16 Mar 2015
Jun 2016
-7.63 12 Mar 1987
Feb 1988
-7.41 16 Feb 1994
May 1995
-6.71 10 May 2013
Feb 2014
-6.70 7 May 2002
Nov 2002
-6.55 5 Feb 2020
Jun 2020
-6.36 15 Feb 1994
Apr 1995
-6.26 6 Sep 1987
Feb 1988

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 - 31 May 2025 (~40 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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High Yield Bonds Income All Country World 20/80
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
2.54 -1.72 2.96 -1.17
2024
4.74 -2.49 5.51 -2.38
2023
11.21 -5.59 10.25 -5.13
2022
-16.88 -21.38 -14.66 -17.51
2021
0.88 -3.16 2.00 -1.92
2020
7.08 -11.99 8.36 -6.55
2019
16.98 -0.39 12.96 -0.19
2018
-4.53 -4.53 -1.87 -2.77
2017
8.78 -0.17 8.23 -0.08
2016
12.01 -3.93 5.12 -2.99
2015
-3.94 -6.90 0.31 -3.05
2014
6.28 -2.37 6.24 -1.20
2013
-0.40 -6.71 2.59 -4.30
2012
12.61 -1.87 9.39 -1.73
2011
9.07 -4.40 4.99 -2.61
2010
11.52 -3.24 8.78 -1.65
2009
23.52 -10.62 14.11 -6.27
2008
-10.54 -23.59 -6.63 -12.99
2007
3.36 -3.84 7.29 -0.69
2006
7.28 -2.69 8.17 -0.88
2005
5.61 -2.30 6.13 -1.14
2004
9.55 -4.56 8.26 -2.40
2003
18.30 -3.91 13.81 -1.85
2002
7.38 -6.70 3.66 -3.50
2001
10.89 -3.49 6.56 -1.79
2000
6.15 -3.14 6.60 -1.64
1999
6.34 -3.60 8.23 -1.93
1998
2.17 -8.48 11.33 -5.06
1997
13.61 -2.54 7.47 -2.40
1996
14.28 -2.87 9.76 -1.58
1995
22.64 -0.20 20.18 0.00
1994
-4.27 -7.41 -2.97 -6.36
1993
18.58 -0.44 16.22 -0.27
1992
12.00 -2.11 6.50 -2.44
1991
25.88 0.00 19.00 -1.50
1990
-0.59 -7.89 2.54 -4.93
1989
8.29 -0.68 13.77 -1.08
1988
11.12 -1.52 11.09 -1.57
1987
0.07 -7.63 4.29 -6.26
1986
15.01 -0.64 20.59 -2.84
1985
21.64 -1.39 26.72 -1.78
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