Larry Swedroe Larry Portfolio vs The Lazy Team Dynamic 40/60 Income Portfolio Portfolio Comparison

Simulation Settings
Period: January 1992 - February 2026 (~34 years)
Consolidated Returns as of 28 February 2026
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond February 2026.
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Results
30 Years
(1996/03 - 2026/02)
All Data
(1992/01 - 2026/02)
Inflation Adjusted:
Larry Swedroe Larry Swedroe Larry Portfolio
1.00$
Invested Capital
March 1996
5.77$
Final Capital
February 2026
6.02%
Yearly Return
5.52%
Std Deviation
-15.96%
Max Drawdown
49months
Recovery Period
1.00$
Invested Capital
March 1996
2.74$
Final Capital
February 2026
3.41%
Yearly Return
5.52%
Std Deviation
-25.23%
Max Drawdown
57months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1992
8.66$
Final Capital
February 2026
6.52%
Yearly Return
5.56%
Std Deviation
-15.96%
Max Drawdown
49months
Recovery Period
1.00$
Invested Capital
January 1992
3.66$
Final Capital
February 2026
3.87%
Yearly Return
5.56%
Std Deviation
-25.23%
Max Drawdown
57months*
Recovery Period
* in progress
The Lazy Team The Lazy Team Dynamic 40/60 Income Portfolio
1.00$
Invested Capital
March 1996
7.50$
Final Capital
February 2026
6.95%
Yearly Return
8.10%
Std Deviation
-29.84%
Max Drawdown
26months
Recovery Period
1.00$
Invested Capital
March 1996
3.56$
Final Capital
February 2026
4.32%
Yearly Return
8.10%
Std Deviation
-31.61%
Max Drawdown
34months
Recovery Period
1.00$
Invested Capital
January 1992
11.72$
Final Capital
February 2026
7.47%
Yearly Return
7.75%
Std Deviation
-29.84%
Max Drawdown
26months
Recovery Period
1.00$
Invested Capital
January 1992
4.96$
Final Capital
February 2026
4.80%
Yearly Return
7.75%
Std Deviation
-31.61%
Max Drawdown
34months
Recovery Period

As of February 2026, in the previous 30 Years, the Larry Swedroe Larry Portfolio obtained a 6.02% compound annual return, with a 5.52% standard deviation. It suffered a maximum drawdown of -15.96% that required 49 months to be recovered.

As of February 2026, in the previous 30 Years, the The Lazy Team Dynamic 40/60 Income Portfolio obtained a 6.95% compound annual return, with a 8.10% standard deviation. It suffered a maximum drawdown of -29.84% that required 26 months to be recovered.

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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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Larry Swedroe
Larry Swedroe Larry Portfolio
Weight
(%)		 Ticker Name
15.00
IJS
iShares S&P Small-Cap 600 Value
7.50
DLS
WisdomTree International SmallCp Div
7.50
EEM
iShares MSCI Emerging Markets
70.00
IEI
iShares 3-7 Year Treasury Bond
The Lazy Team
The Lazy Team Dynamic 40/60 Income Portfolio
Weight
(%)		 Ticker Name
20.00
PFF
iShares Preferred and Income Securities ETF
20.00
VTI
Vanguard Total Stock Market
20.00
EMB
iShares JP Morgan USD Em Mkts Bd
20.00
SHY
iShares 1-3 Year Treasury Bond
20.00
HYG
iShares iBoxx $ High Yield Corporate Bond
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Portfolio Returns as of Feb 28, 2026

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
(1996/03 - 2026/02)
All Data
(1992/01 - 2026/02)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Larry Swedroe Larry Portfolio
Larry Swedroe 		1 $ 5.77 $ 477.13% 6.02%
The Lazy Team Dynamic 40/60 Income
The Lazy Team 		1 $ 7.50 $ 649.69% 6.95%
Mar 1996 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Larry Swedroe Larry Portfolio
Larry Swedroe 		1 $ 2.74 $ 173.84% 3.41%
The Lazy Team Dynamic 40/60 Income
The Lazy Team 		1 $ 3.56 $ 255.72% 4.32%
Mar 1996 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Larry Swedroe Larry Portfolio
Larry Swedroe 		1 $ 8.66 $ 765.70% 6.52%
The Lazy Team Dynamic 40/60 Income
The Lazy Team 		1 $ 11.72 $ 1 071.83% 7.47%
Jan 1992 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Larry Swedroe Larry Portfolio
Larry Swedroe 		1 $ 3.66 $ 266.24% 3.87%
The Lazy Team Dynamic 40/60 Income
The Lazy Team 		1 $ 4.96 $ 395.75% 4.80%
Jan 1992 Feb 2026

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Return (%) as of Feb 28, 2026
YTD
(2M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~34Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_larry_swedroe.webp Larry Portfolio
Larry Swedroe 		4.06 2.07 7.02 13.76 2.72 4.30 6.02 6.52
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_lzp.webp Dynamic 40/60 Income
The Lazy Team 		1.27 0.26 4.29 9.03 4.77 6.04 6.95 7.47
Returns over 1 year are annualized.
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Portfolio Metrics as of Feb 28, 2026

The following metrics, updated as of 28 February 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 March 2025 - 28 February 2026 (1 year)
Period: 1 March 2021 - 28 February 2026 (5 years)
Period: 1 March 2016 - 28 February 2026 (10 years)
Period: 1 March 1996 - 28 February 2026 (30 years)
Period: 1 January 1992 - 28 February 2026 (~34 years)
1 Year
5 Years
10 Years
30 Years
All (1992/01 - 2026/02)
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Larry Portfolio Dynamic 40/60 Income
Author Larry Swedroe The Lazy Team
ASSET ALLOCATION
Stocks 30% 40%
Fixed Income 70% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 13.76 9.03
Infl. Adjusted (%) 11.39 6.75
DRAWDOWN
Deepest Drawdown Depth (%) -0.29 -2.36
Start to Recovery (months) 2 4
Longest Drawdown Depth (%) -0.29 -2.36
Start to Recovery (months) 2 4
Longest Negative Period (months) 1 3
RISK INDICATORS
Standard Deviation (%) 3.26 3.90
Sharpe Ratio 2.99 1.28
Sortino Ratio 4.68 1.61
Ulcer Index 0.08 0.89
Ratio: Return / Standard Deviation 4.22 2.31
Ratio: Return / Deepest Drawdown 47.16 3.82
Metrics calculated over the period 1 March 2025 - 28 February 2026
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Larry Portfolio Dynamic 40/60 Income
Author Larry Swedroe The Lazy Team
ASSET ALLOCATION
Stocks 30% 40%
Fixed Income 70% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.72 4.77
Infl. Adjusted (%) -1.59 0.37
DRAWDOWN
Deepest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Negative Period (months) 49 34
RISK INDICATORS
Standard Deviation (%) 7.12 8.23
Sharpe Ratio -0.07 0.19
Sortino Ratio -0.10 0.25
Ulcer Index 7.13 6.97
Ratio: Return / Standard Deviation 0.38 0.58
Ratio: Return / Deepest Drawdown 0.17 0.28
Metrics calculated over the period 1 March 2021 - 28 February 2026
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Larry Portfolio Dynamic 40/60 Income
Author Larry Swedroe The Lazy Team
ASSET ALLOCATION
Stocks 30% 40%
Fixed Income 70% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.30 6.04
Infl. Adjusted (%) 1.02 2.70
DRAWDOWN
Deepest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Negative Period (months) 52 38
RISK INDICATORS
Standard Deviation (%) 5.97 7.84
Sharpe Ratio 0.37 0.50
Sortino Ratio 0.50 0.66
Ulcer Index 5.15 5.21
Ratio: Return / Standard Deviation 0.72 0.77
Ratio: Return / Deepest Drawdown 0.27 0.35
Metrics calculated over the period 1 March 2016 - 28 February 2026
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Larry Portfolio Dynamic 40/60 Income
Author Larry Swedroe The Lazy Team
ASSET ALLOCATION
Stocks 30% 40%
Fixed Income 70% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.02 6.95
Infl. Adjusted (%) 3.41 4.32
DRAWDOWN
Deepest Drawdown Depth (%) -15.96 -29.84
Start to Recovery (months) 49 26
Longest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Negative Period (months) 52 69
RISK INDICATORS
Standard Deviation (%) 5.52 8.10
Sharpe Ratio 0.68 0.58
Sortino Ratio 0.93 0.76
Ulcer Index 3.30 4.85
Ratio: Return / Standard Deviation 1.09 0.86
Ratio: Return / Deepest Drawdown 0.38 0.23
Metrics calculated over the period 1 March 1996 - 28 February 2026
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Larry Portfolio Dynamic 40/60 Income
Author Larry Swedroe The Lazy Team
ASSET ALLOCATION
Stocks 30% 40%
Fixed Income 70% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.52 7.47
Infl. Adjusted (%) 3.87 4.80
DRAWDOWN
Deepest Drawdown Depth (%) -15.96 -29.84
Start to Recovery (months) 49 26
Longest Drawdown Depth (%) -15.96 -17.33
Start to Recovery (months) 49 30
Longest Negative Period (months) 52 69
RISK INDICATORS
Standard Deviation (%) 5.56 7.75
Sharpe Ratio 0.73 0.65
Sortino Ratio 0.99 0.84
Ulcer Index 3.28 4.60
Ratio: Return / Standard Deviation 1.17 0.96
Ratio: Return / Deepest Drawdown 0.41 0.25
Metrics calculated over the period 1 January 1992 - 28 February 2026
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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 March 1996 - 28 February 2026 (30 years)
Period: 1 January 1992 - 28 February 2026 (~34 years)
30 Years
(1996/03 - 2026/02)

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Larry Portfolio Dynamic 40/60 Income
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-29.84 26 Nov 2007
Dec 2009
-17.33 30 Jan 2022
Jun 2024
-15.96 49 Jun 2021
Jun 2025
-12.42 6 Feb 2020
Jul 2020
-11.47 16 Apr 2008
Jul 2009
-9.38 8 May 1998
Dec 1998
-7.19 8 Jun 2011
Jan 2012
-6.73 9 May 2002
Jan 2003
-5.38 7 Jan 2020
Jul 2020
-5.14 7 May 1998
Nov 1998
-5.09 5 Oct 2018
Feb 2019
-4.13 5 Sep 2000
Jan 2001
-4.08 7 Sep 2018
Mar 2019
-4.06 11 Jun 2015
Apr 2016
-3.98 6 Apr 2004
Sep 2004

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Larry Portfolio Dynamic 40/60 Income
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-29.84 26 Nov 2007
Dec 2009
-17.33 30 Jan 2022
Jun 2024
-15.96 49 Jun 2021
Jun 2025
-12.42 6 Feb 2020
Jul 2020
-11.47 16 Apr 2008
Jul 2009
-9.38 8 May 1998
Dec 1998
-7.44 16 Feb 1994
May 1995
-7.19 8 Jun 2011
Jan 2012
-6.73 9 May 2002
Jan 2003
-5.38 7 Jan 2020
Jul 2020
-5.36 15 Feb 1994
Apr 1995
-5.14 7 May 1998
Nov 1998
-5.09 5 Oct 2018
Feb 2019
-4.13 5 Sep 2000
Jan 2001
-4.08 7 Sep 2018
Mar 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 1992 - 28 February 2026 (~34 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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Larry Portfolio Dynamic 40/60 Income
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 4.06 0.00 1.27 0.00
2025
 10.96 -0.29 9.87 -2.36
2024
 3.09 -2.61 9.69 -2.45
2023
 6.94 -6.22 11.97 -5.00
2022
 -11.20 -14.55 -14.37 -17.33
2021
 3.41 -2.64 6.72 -1.83
2020
 6.44 -5.38 8.28 -12.42
2019
 10.64 -1.45 15.91 -1.51
2018
 -3.54 -4.08 -3.18 -5.09
2017
 7.74 0.00 9.18 0.00
2016
 6.87 -1.26 7.53 -1.95
2015
 -0.54 -3.22 0.21 -4.06
2014
 2.38 -2.37 7.01 -1.44
2013
 6.31 -2.41 6.13 -3.06
2012
 7.27 -2.25 12.70 -2.72
2011
 3.23 -3.97 2.96 -7.19
2010
 10.82 -2.16 11.25 -3.72
2009
 10.12 -7.76 22.37 -15.04
2008
 -2.44 -7.60 -14.80 -23.51
2007
 8.99 -0.45 0.88 -3.23
2006
 9.57 -2.17 9.18 -1.29
2005
 6.71 -1.81 5.23 -1.76
2004
 10.23 -3.98 8.41 -3.31
2003
 16.93 -0.92 21.64 -1.30
2002
 7.68 -1.92 1.03 -6.73
2001
 6.47 -2.38 8.71 -3.24
2000
 10.81 -1.59 3.43 -4.13
1999
 4.08 -3.38 11.02 -2.15
1998
 6.06 -5.14 6.04 -9.38
1997
 8.62 -1.80 16.36 -2.49
1996
 5.81 -1.78 16.81 -1.12
1995
 18.99 0.00 23.17 0.00
1994
 -4.77 -7.44 -3.19 -5.36
1993
 20.95 -1.55 14.73 -0.57
1992
 9.36 -1.05 12.95 -0.70
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