Paul Boyer Portfolio vs Stocks/Bonds 40/60 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: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1976/01 - 2025/06)
Inflation Adjusted:
Paul Boyer Portfolio
1.00$
Invested Capital
July 1995
6.61$
Final Capital
June 2025
6.50%
Yearly Return
7.51%
Std Deviation
-18.04%
Max Drawdown
39months
Recovery Period
1.00$
Invested Capital
July 1995
3.14$
Final Capital
June 2025
3.89%
Yearly Return
7.51%
Std Deviation
-27.39%
Max Drawdown
54months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1976
54.05$
Final Capital
June 2025
8.39%
Yearly Return
8.26%
Std Deviation
-18.04%
Max Drawdown
39months
Recovery Period
1.00$
Invested Capital
January 1976
9.37$
Final Capital
June 2025
4.62%
Yearly Return
8.26%
Std Deviation
-28.04%
Max Drawdown
64months
Recovery Period
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 1976
65.57$
Final Capital
June 2025
8.82%
Yearly Return
7.65%
Std Deviation
-19.17%
Max Drawdown
25months
Recovery Period
1.00$
Invested Capital
January 1976
11.37$
Final Capital
June 2025
5.03%
Yearly Return
7.65%
Std Deviation
-24.11%
Max Drawdown
46months*
Recovery Period
* in progress

As of June 2025, in the previous 30 Years, the Paul Boyer Portfolio obtained a 6.50% compound annual return, with a 7.51% standard deviation. It suffered a maximum drawdown of -18.04% that required 39 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
12.50
EEM
iShares MSCI Emerging Markets
12.50
IJR
iShares Core S&P Small-Cap
25.00
SHY
iShares 1-3 Year Treasury Bond
25.00
TLT
iShares 20+ Year Treasury Bond
25.00
GLD
SPDR Gold Trust
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
(1976/01 - 2025/06)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Paul Boyer Paul Boyer Portfolio
Paul Boyer
1 $ 6.61 $ 561.31% 6.50%
Stocks/Bonds 40/60
1 $ 7.69 $ 669.49% 7.04%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Paul Boyer Paul Boyer Portfolio
Paul Boyer
1 $ 3.14 $ 214.30% 3.89%
Stocks/Bonds 40/60
1 $ 3.66 $ 265.71% 4.42%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Paul Boyer Paul Boyer Portfolio
Paul Boyer
1 $ 54.05 $ 5 304.61% 8.39%
Stocks/Bonds 40/60
1 $ 65.57 $ 6 457.23% 8.82%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Paul Boyer Paul Boyer Portfolio
Paul Boyer
1 $ 9.37 $ 837.11% 4.62%
Stocks/Bonds 40/60
1 $ 11.37 $ 1 036.96% 5.03%

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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_paul_boyer.webp Paul Boyer Portfolio
Paul Boyer
9.36 2.21 9.36 14.48 3.47 4.79 6.50 8.39
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 8.82
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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Paul Boyer Portfolio Stocks/Bonds 40/60
Author Paul Boyer
ASSET ALLOCATION
Stocks 25% 40%
Fixed Income 50% 60%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 14.48 9.91
Infl. Adjusted (%) 11.76 7.30
DRAWDOWN
Deepest Drawdown Depth (%) -3.36 -2.59
Start to Recovery (months) 5 7
Longest Drawdown Depth (%) -3.36 -2.59
Start to Recovery (months) 5 7
Longest Negative Period (months) 4 7
RISK INDICATORS
Standard Deviation (%) 6.15 6.62
Sharpe Ratio 1.60 0.80
Sortino Ratio 2.05 1.02
Ulcer Index 1.00 1.32
Ratio: Return / Standard Deviation 2.35 1.50
Ratio: Return / Deepest Drawdown 4.31 3.83
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Paul Boyer Portfolio Stocks/Bonds 40/60
Author Paul Boyer
ASSET ALLOCATION
Stocks 25% 40%
Fixed Income 50% 60%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 3.47 5.91
Infl. Adjusted (%) -1.01 1.33
DRAWDOWN
Deepest Drawdown Depth (%) -18.04 -18.63
Start to Recovery (months) 39 30
Longest Drawdown Depth (%) -18.04 -18.63
Start to Recovery (months) 39 30
Longest Negative Period (months) 47 38
RISK INDICATORS
Standard Deviation (%) 8.88 9.46
Sharpe Ratio 0.09 0.34
Sortino Ratio 0.13 0.46
Ulcer Index 7.43 7.38
Ratio: Return / Standard Deviation 0.39 0.63
Ratio: Return / Deepest Drawdown 0.19 0.32
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Paul Boyer Portfolio Stocks/Bonds 40/60
Author Paul Boyer
ASSET ALLOCATION
Stocks 25% 40%
Fixed Income 50% 60%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 4.79 6.36
Infl. Adjusted (%) 1.70 3.22
DRAWDOWN
Deepest Drawdown Depth (%) -18.04 -18.63
Start to Recovery (months) 39 30
Longest Drawdown Depth (%) -18.04 -18.63
Start to Recovery (months) 39 30
Longest Negative Period (months) 50 38
RISK INDICATORS
Standard Deviation (%) 7.68 8.09
Sharpe Ratio 0.39 0.56
Sortino Ratio 0.56 0.75
Ulcer Index 5.56 5.39
Ratio: Return / Standard Deviation 0.62 0.79
Ratio: Return / Deepest Drawdown 0.27 0.34
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Paul Boyer Portfolio Stocks/Bonds 40/60
Author Paul Boyer
ASSET ALLOCATION
Stocks 25% 40%
Fixed Income 50% 60%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 6.50 7.04
Infl. Adjusted (%) 3.89 4.42
DRAWDOWN
Deepest Drawdown Depth (%) -18.04 -19.17
Start to Recovery (months) 39 25
Longest Drawdown Depth (%) -18.04 -8.59
Start to Recovery (months) 39 33
Longest Negative Period (months) 50 50
RISK INDICATORS
Standard Deviation (%) 7.51 7.03
Sharpe Ratio 0.56 0.68
Sortino Ratio 0.79 0.90
Ulcer Index 3.99 4.21
Ratio: Return / Standard Deviation 0.87 1.00
Ratio: Return / Deepest Drawdown 0.36 0.37
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Paul Boyer Portfolio Stocks/Bonds 40/60
Author Paul Boyer
ASSET ALLOCATION
Stocks 25% 40%
Fixed Income 50% 60%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 8.39 8.82
Infl. Adjusted (%) 4.62 5.03
DRAWDOWN
Deepest Drawdown Depth (%) -18.04 -19.17
Start to Recovery (months) 39 25
Longest Drawdown Depth (%) -18.04 -8.59
Start to Recovery (months) 39 33
Longest Negative Period (months) 50 50
RISK INDICATORS
Standard Deviation (%) 8.26 7.65
Sharpe Ratio 0.50 0.60
Sortino Ratio 0.72 0.82
Ulcer Index 3.87 3.64
Ratio: Return / Standard Deviation 1.02 1.15
Ratio: Return / Deepest Drawdown 0.47 0.46
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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Paul Boyer Portfolio Stocks/Bonds 40/60
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-18.04 39 Jun 2021
Aug 2024
-13.66 17 Mar 2008
Jul 2009
-9.22 12 May 1998
Apr 1999
-9.15 17 Feb 2015
Jun 2016
-8.62 21 Oct 2012
Jun 2014
-8.59 33 Sep 2000
May 2003
-8.09 4 Feb 2020
May 2020
-6.74 12 Aug 2016
Jul 2017
-6.72 17 Feb 2018
Jun 2019
-6.25 5 Jul 1998
Nov 1998
-5.64 7 Apr 2004
Oct 2004
-5.36 7 Sep 2018
Mar 2019
-4.97 11 Mar 2000
Jan 2001

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Paul Boyer Portfolio Stocks/Bonds 40/60
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-18.04 39 Jun 2021
Aug 2024
-14.53 25 Oct 1980
Oct 1982
-13.66 17 Mar 2008
Jul 2009
-13.60 5 Feb 1980
Jun 1980
-13.08 14 Sep 1987
Oct 1988
-9.22 12 May 1998
Apr 1999
-9.15 17 Feb 2015
Jun 2016
-8.62 21 Oct 2012
Jun 2014
-8.59 33 Sep 2000
May 2003
-8.39 4 Feb 1980
May 1980
-8.09 4 Feb 2020
May 2020
-7.71 16 Mar 1987
Jun 1988
-6.93 16 Feb 1994
May 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 1976 - 30 June 2025 (~50 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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Paul Boyer Portfolio Stocks/Bonds 40/60
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
9.36 0.00 4.65 -2.35
2024
7.52 -3.36 10.35 -3.23
2023
7.92 -7.34 13.66 -6.58
2022
-13.57 -17.86 -15.67 -18.63
2021
0.51 -3.38 9.15 -2.56
2020
15.04 -3.07 13.04 -8.09
2019
13.97 -1.05 17.57 -1.77
2018
-3.50 -6.72 -2.15 -5.36
2017
11.87 -0.61 10.63 0.00
2016
7.19 -6.74 6.64 -1.57
2015
-5.29 -9.15 0.48 -3.41
2014
6.63 -3.72 8.51 -1.20
2013
-5.67 -8.07 12.12 -1.84
2012
6.80 -2.93 8.47 -2.11
2011
8.99 -2.80 5.14 -4.76
2010
15.54 -0.81 10.69 -3.96
2009
12.50 -6.62 13.74 -8.68
2008
1.32 -13.66 -10.67 -14.39
2007
16.13 -0.86 6.30 -1.93
2006
12.57 -3.53 8.84 -1.40
2005
11.99 -2.10 3.96 -1.77
2004
9.39 -5.64 7.66 -2.46
2003
17.95 -2.85 14.68 -1.08
2002
9.85 -4.44 -3.23 -6.97
2001
3.66 -3.75 0.67 -5.62
2000
2.00 -4.97 2.61 -4.51
1999
9.10 -3.56 9.07 -2.57
1998
2.30 -9.22 14.45 -6.25
1997
0.72 -4.04 18.06 -2.41
1996
3.88 -3.10 10.53 -2.15
1995
14.46 -0.96 25.22 0.00
1994
-5.01 -6.22 -1.66 -5.98
1993
25.08 -1.38 10.06 -1.23
1992
3.02 -1.92 7.93 -1.27
1991
24.71 -1.74 22.10 -1.98
1990
0.64 -5.76 2.76 -5.70
1989
21.34 -0.54 19.43 -1.12
1988
7.47 -2.31 11.34 -1.71
1987
-0.04 -7.71 1.97 -13.08
1986
17.71 -1.63 14.89 -4.37
1985
21.84 -2.32 25.86 -1.17
1984
4.29 -3.80 9.88 -5.84
1983
3.33 -3.72 12.20 -2.64
1982
20.74 -7.63 26.88 -2.17
1981
-6.40 -12.16 3.99 -6.81
1980
10.07 -13.60 14.99 -8.39
1979
40.68 -5.53 12.91 -6.34
1978
13.69 -5.99 4.07 -5.90
1977
9.52 -1.78 -0.72 -3.59
1976
11.89 -4.01 18.84 -1.06
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