Rick Ferri Core Four Portfolio vs Technology Portfolio Portfolio Comparison

Simulation Settings
Period: January 1971 - August 2025 (~55 years)
Consolidated Returns as of 31 August 2025
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 August 2025.
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Results
30 Years
(1995/09 - 2025/08)
All Data
(1971/01 - 2025/08)
Inflation Adjusted:
Rick Ferri Core Four Portfolio
1.00$
Invested Capital
September 1995
11.11$
Final Capital
August 2025
8.36%
Yearly Return
12.28%
Std Deviation
-44.44%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
September 1995
5.25$
Final Capital
August 2025
5.68%
Yearly Return
12.28%
Std Deviation
-45.36%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1971
179.24$
Final Capital
August 2025
9.96%
Yearly Return
12.12%
Std Deviation
-44.44%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1971
22.06$
Final Capital
August 2025
5.82%
Yearly Return
12.12%
Std Deviation
-45.36%
Max Drawdown
63months
Recovery Period
Technology Portfolio
1.00$
Invested Capital
September 1995
47.40$
Final Capital
August 2025
13.73%
Yearly Return
23.99%
Std Deviation
-81.08%
Max Drawdown
175months
Recovery Period
1.00$
Invested Capital
September 1995
22.41$
Final Capital
August 2025
10.92%
Yearly Return
23.99%
Std Deviation
-82.10%
Max Drawdown
206months
Recovery Period
1.00$
Invested Capital
January 1971
772.80$
Final Capital
August 2025
12.94%
Yearly Return
22.35%
Std Deviation
-81.08%
Max Drawdown
175months
Recovery Period
1.00$
Invested Capital
January 1971
95.09$
Final Capital
August 2025
8.69%
Yearly Return
22.35%
Std Deviation
-82.10%
Max Drawdown
206months
Recovery Period

As of August 2025, in the previous 30 Years, the Rick Ferri Core Four Portfolio obtained a 8.36% compound annual return, with a 12.28% standard deviation. It suffered a maximum drawdown of -44.44% that required 40 months to be recovered.

As of August 2025, in the previous 30 Years, the Technology Portfolio obtained a 13.73% compound annual return, with a 23.99% standard deviation. It suffered a maximum drawdown of -81.08% that required 175 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.

Rick Ferri Core Four Portfolio
Weight
(%)		 Ticker Name
48.00
VTI
Vanguard Total Stock Market
24.00
VEU
Vanguard FTSE All-World ex-US
8.00
VNQ
Vanguard Real Estate
20.00
BND
Vanguard Total Bond Market
Technology Portfolio
Weight
(%)		 Ticker Name
100.00
QQQ
Invesco QQQ Trust
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Portfolio Returns as of Aug 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
(1995/09 - 2025/08)
All Data
(1971/01 - 2025/08)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Rick Ferri Core Four
Rick Ferri 		1 $ 11.11 $ 1 010.88% 8.36%
Technology
 1 $ 47.40 $ 4 640.23% 13.73%
Sep 1995 Aug 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Rick Ferri Core Four
Rick Ferri 		1 $ 5.25 $ 425.13% 5.68%
Technology
 1 $ 22.41 $ 2 140.80% 10.92%
Sep 1995 Aug 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Rick Ferri Core Four
Rick Ferri 		1 $ 179.24 $ 17 824.29% 9.96%
Technology
 1 $ 772.80 $ 77 179.53% 12.94%
Jan 1971 Aug 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Rick Ferri Core Four
Rick Ferri 		1 $ 22.06 $ 2 105.57% 5.82%
Technology
 1 $ 95.09 $ 9 409.20% 8.69%
Jan 1971 Aug 2025

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Return (%) as of Aug 31, 2025
YTD
(8M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~55Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_rick_ferri.webp Core Four
Rick Ferri 		11.78 2.67 8.70 12.36 9.55 9.56 8.36 9.96
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Technology
-- Market Benchmark 		11.87 0.95 12.54 20.44 14.78 19.42 13.73 12.94
Returns over 1 year are annualized.
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Portfolio Metrics as of Aug 31, 2025

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

METRIC COMPARISON
Period: 1 September 2024 - 31 August 2025 (1 year)
Period: 1 September 2020 - 31 August 2025 (5 years)
Period: 1 September 2015 - 31 August 2025 (10 years)
Period: 1 September 1995 - 31 August 2025 (30 years)
Period: 1 January 1971 - 31 August 2025 (~55 years)
1 Year
5 Years
10 Years
30 Years
All (1971/01 - 2025/08)
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Core Four Technology
Author Rick Ferri
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.36 20.44
Infl. Adjusted (%) 9.12 16.97
DRAWDOWN
Deepest Drawdown Depth (%) -3.23 -10.08
Start to Recovery (months) 6 5
Longest Drawdown Depth (%) -3.23 -10.08
Start to Recovery (months) 6 5
Longest Negative Period (months) 7 7
RISK INDICATORS
Standard Deviation (%) 8.60 14.39
Sharpe Ratio 0.92 1.11
Sortino Ratio 1.20 1.51
Ulcer Index 1.63 3.80
Ratio: Return / Standard Deviation 1.44 1.42
Ratio: Return / Deepest Drawdown 3.83 2.03
Metrics calculated over the period 1 September 2024 - 31 August 2025
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Core Four Technology
Author Rick Ferri
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.55 14.78
Infl. Adjusted (%) 4.82 9.82
DRAWDOWN
Deepest Drawdown Depth (%) -23.46 -32.58
Start to Recovery (months) 26 24
Longest Drawdown Depth (%) -23.46 -32.58
Start to Recovery (months) 26 24
Longest Negative Period (months) 34 28
RISK INDICATORS
Standard Deviation (%) 13.16 19.88
Sharpe Ratio 0.51 0.60
Sortino Ratio 0.69 0.81
Ulcer Index 8.32 12.52
Ratio: Return / Standard Deviation 0.73 0.74
Ratio: Return / Deepest Drawdown 0.41 0.45
Metrics calculated over the period 1 September 2020 - 31 August 2025
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Core Four Technology
Author Rick Ferri
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.56 19.42
Infl. Adjusted (%) 6.25 15.81
DRAWDOWN
Deepest Drawdown Depth (%) -23.46 -32.58
Start to Recovery (months) 26 24
Longest Drawdown Depth (%) -23.46 -32.58
Start to Recovery (months) 26 24
Longest Negative Period (months) 34 28
RISK INDICATORS
Standard Deviation (%) 12.32 18.54
Sharpe Ratio 0.62 0.95
Sortino Ratio 0.82 1.28
Ulcer Index 6.46 9.43
Ratio: Return / Standard Deviation 0.78 1.05
Ratio: Return / Deepest Drawdown 0.41 0.60
Metrics calculated over the period 1 September 2015 - 31 August 2025
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Core Four Technology
Author Rick Ferri
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.36 13.73
Infl. Adjusted (%) 5.68 10.92
DRAWDOWN
Deepest Drawdown Depth (%) -44.44 -81.08
Start to Recovery (months) 40 175
Longest Drawdown Depth (%) -27.90 -81.08
Start to Recovery (months) 42 175
Longest Negative Period (months) 116 174
RISK INDICATORS
Standard Deviation (%) 12.28 23.99
Sharpe Ratio 0.50 0.48
Sortino Ratio 0.64 0.65
Ulcer Index 9.88 39.57
Ratio: Return / Standard Deviation 0.68 0.57
Ratio: Return / Deepest Drawdown 0.19 0.17
Metrics calculated over the period 1 September 1995 - 31 August 2025
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Core Four Technology
Author Rick Ferri
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.96 12.94
Infl. Adjusted (%) 5.82 8.69
DRAWDOWN
Deepest Drawdown Depth (%) -44.44 -81.08
Start to Recovery (months) 40 175
Longest Drawdown Depth (%) -27.90 -81.08
Start to Recovery (months) 42 175
Longest Negative Period (months) 116 174
RISK INDICATORS
Standard Deviation (%) 12.12 22.35
Sharpe Ratio 0.46 0.38
Sortino Ratio 0.61 0.52
Ulcer Index 8.53 31.80
Ratio: Return / Standard Deviation 0.82 0.58
Ratio: Return / Deepest Drawdown 0.22 0.16
Metrics calculated over the period 1 January 1971 - 31 August 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 September 1995 - 31 August 2025 (30 years)
Period: 1 January 1971 - 31 August 2025 (~55 years)
30 Years
(1995/09 - 2025/08)

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Core Four Technology
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-81.08 175 Apr 2000
Oct 2014
-44.44 40 Nov 2007
Feb 2011
-32.58 24 Jan 2022
Dec 2023
-27.90 42 Sep 2000
Feb 2004
-23.46 26 Jan 2022
Feb 2024
-17.20 3 Aug 1998
Oct 1998
-17.12 7 Jan 2020
Jul 2020
-16.96 8 Sep 2018
Apr 2019
-15.17 11 May 2011
Mar 2012
-13.51 4 Feb 1997
May 1997
-12.90 3 Feb 2020
Apr 2020
-12.55 5 Jul 1998
Nov 1998
-10.50 7 Aug 1997
Feb 1998
-10.12 8 Sep 2018
Apr 2019
-10.08 5 Feb 2025
Jun 2025

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Core Four Technology
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-81.08 175 Apr 2000
Oct 2014
-58.37 68 Jan 1973
Aug 1978
-44.44 40 Nov 2007
Feb 2011
-34.57 21 Sep 1987
May 1989
-33.44 37 Jan 1973
Jan 1976
-32.58 24 Jan 2022
Dec 2023
-27.93 29 Jul 1983
Nov 1985
-27.90 42 Sep 2000
Feb 2004
-27.64 8 Jul 1990
Feb 1991
-25.11 18 Jun 1981
Nov 1982
-23.46 26 Jan 2022
Feb 2024
-19.07 17 Sep 1987
Jan 1989
-19.01 6 Feb 1980
Jul 1980
-17.69 10 Sep 1978
Jun 1979
-17.20 3 Aug 1998
Oct 1998

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 1971 - 31 August 2025 (~55 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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Core Four Technology
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 11.78 -2.87 11.87 -10.08
2024
 13.43 -3.81 25.58 -4.37
2023
 18.34 -8.99 54.86 -8.42
2022
 -17.83 -23.46 -32.58 -32.58
2021
 17.18 -3.72 27.42 -5.68
2020
 13.93 -17.12 48.40 -12.90
2019
 24.04 -4.20 38.96 -8.23
2018
 -6.41 -10.12 -0.12 -16.96
2017
 17.86 0.00 32.66 -2.32
2016
 8.53 -4.54 7.10 -8.37
2015
 -0.67 -7.93 9.45 -8.88
2014
 8.52 -2.80 19.18 -3.04
2013
 19.22 -2.72 36.63 -2.39
2012
 14.47 -6.30 18.12 -8.13
2011
 -0.63 -15.17 3.47 -10.79
2010
 14.71 -9.66 20.14 -12.93
2009
 26.02 -16.84 54.68 -7.43
2008
 -29.77 -33.12 -41.73 -43.03
2007
 6.37 -4.87 19.02 -6.83
2006
 17.60 -2.92 7.14 -11.54
2005
 8.20 -2.68 1.57 -12.37
2004
 14.45 -3.58 10.54 -9.86
2003
 28.09 -3.31 49.67 -2.90
2002
 -11.49 -17.29 -37.37 -46.75
2001
 -7.43 -16.02 -33.34 -54.93
2000
 -4.44 -9.70 -36.11 -46.69
1999
 18.14 -2.86 101.95 -9.49
1998
 15.32 -12.55 85.30 -17.20
1997
 18.08 -4.11 20.63 -13.51
1996
 14.61 -3.35 42.54 -8.14
1995
 22.74 -1.10 42.54 -3.77
1994
 1.06 -5.04 1.50 -12.97
1993
 15.79 -3.96 10.58 -8.26
1992
 3.42 -3.82 8.86 -13.48
1991
 23.73 -4.00 64.99 -8.89
1990
 -8.36 -14.61 -10.41 -27.64
1989
 20.02 -2.01 26.17 -4.64
1988
 17.02 -2.82 13.54 -10.50
1987
 8.59 -19.07 10.50 -34.57
1986
 26.76 -4.50 6.89 -15.73
1985
 33.14 -2.36 35.61 -6.97
1984
 6.41 -6.59 -11.31 -17.55
1983
 20.06 -2.93 19.87 -13.85
1982
 17.46 -9.28 18.67 -14.55
1981
 -0.58 -10.04 -3.21 -19.44
1980
 24.04 -10.43 33.88 -19.01
1979
 17.81 -7.52 28.11 -9.91
1978
 12.62 -7.80 12.31 -17.69
1977
 4.23 -3.09 7.33 -3.83
1976
 19.80 -2.37 26.10 -2.85
1975
 28.58 -10.18 29.76 -14.58
1974
 -18.64 -25.28 -35.11 -41.36
1973
 -11.83 -12.76 -31.06 -31.06
1972
 18.99 -0.46 17.18 -3.61
1971
 18.29 -5.60 27.35 -7.42
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