Stocks/Bonds 40/60 with Bitcoin Portfolio vs Stocks/Bonds 40/60 Portfolio Portfolio Comparison

Simulation Settings

Period: January 2011 - February 2026 (~15 years)
Consolidated Returns as of 28 February 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

All Data
(2011/01 - 2026/02)

Inflation Adjusted:

Stocks/Bonds 40/60 with Bitcoin Portfolio

1.00$
Invested Capital
January 2011
10.59$
Final Capital
February 2026
16.83%
Yearly Return
34.14%
Std Deviation
-41.83%
Max Drawdown
28months
Recovery Period

1.00$
Invested Capital
January 2011
7.13$
Final Capital
February 2026
13.82%
Yearly Return
34.14%
Std Deviation
-42.43%
Max Drawdown
29months
Recovery Period

Stocks/Bonds 40/60 Portfolio

1.00$
Invested Capital
January 2011
2.78$
Final Capital
February 2026
6.99%
Yearly Return
7.06%
Std Deviation
-18.63%
Max Drawdown
30months
Recovery Period

1.00$
Invested Capital
January 2011
1.87$
Final Capital
February 2026
4.23%
Yearly Return
7.06%
Std Deviation
-24.11%
Max Drawdown
51months
Recovery Period

As of February 2026, over the analyzed timeframe, the Stocks/Bonds 40/60 with Bitcoin Portfolio obtained a 16.83% compound annual return, with a 34.14% standard deviation. It suffered a maximum drawdown of -41.83% that required 28 months to be recovered.

As of February 2026, over the analyzed timeframe, the Stocks/Bonds 40/60 Portfolio obtained a 6.99% compound annual return, with a 7.06% standard deviation. It suffered a maximum drawdown of -18.63% that required 30 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.

Resources & Extras

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Stocks/Bonds 40/60 with Bitcoin Portfolio

Weight (%)	Ticker	Name
39.00	VTI	Vanguard Total Stock Market
59.00	BND	Vanguard Total Bond Market
2.00	^BTC	Bitcoin

Stocks/Bonds 40/60 Portfolio

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 Feb 28, 2026

Returns are calculated in USD, assuming:

no fees or capital gain taxes.
rebalancing: at every Jan 1^st.
dividend reinvestment, when applicable.

Return Comparison

Capital Growth

All Data
(2011/01 - 2026/02)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Stocks/Bonds 40/60 with Bitcoin	1 $	10.59 $	958.74%	16.83%
Stocks/Bonds 40/60	1 $	2.78 $	178.46%	6.99%
	Jan 2011	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Stocks/Bonds 40/60 with Bitcoin	1 $	7.13 $	612.64%	13.82%
Stocks/Bonds 40/60	1 $	1.87 $	87.43%	4.23%
	Jan 2011	Feb 2026

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		Return (%) as of Feb 28, 2026
		YTD (2M)	1M	6M	1Y	5Y	10Y	MAX (~15Y)
	Stocks/Bonds 40/60 with Bitcoin -- Market Benchmark	1.01	0.47	4.19	9.80	5.95	10.77	16.83
	Stocks/Bonds 40/60 -- Market Benchmark	1.51	0.74	5.21	10.45	5.49	7.28	6.99
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 January 2011 - 28 February 2026 (~15 years)

1 Year

5 Years

10 Years

All (2011/01 - 2026/02)

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	Stocks/Bonds 40/60 with Bitcoin	Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks	39%	40%
Fixed Income	59%	60%
Commodities	2%	0%
PERFORMANCES
Annualized Return (%)	9.80	10.45
Infl. Adjusted (%)	7.22	7.86
DRAWDOWN
Deepest Drawdown Depth (%)	-2.30	-2.35
Start to Recovery (months)	4	4
Longest Drawdown Depth (%)	-2.30	-2.35
Start to Recovery (months)	4	4
Longest Negative Period (months)	3	3
RISK INDICATORS
Standard Deviation (%)	4.51	4.47
Sharpe Ratio	1.28	1.44
Sortino Ratio	1.69	1.86
Ulcer Index	0.86	0.92
Ratio: Return / Standard Deviation	2.17	2.34
Ratio: Return / Deepest Drawdown	4.26	4.45
Metrics calculated over the period 1 March 2025 - 28 February 2026

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	Stocks/Bonds 40/60 with Bitcoin	Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks	39%	40%
Fixed Income	59%	60%
Commodities	2%	0%
PERFORMANCES
Annualized Return (%)	5.95	5.49
Infl. Adjusted (%)	1.44	1.00
DRAWDOWN
Deepest Drawdown Depth (%)	-19.41	-18.63
Start to Recovery (months)	29	30
Longest Drawdown Depth (%)	-19.41	-18.63
Start to Recovery (months)	29	30
Longest Negative Period (months)	32	34
RISK INDICATORS
Standard Deviation (%)	9.50	9.04
Sharpe Ratio	0.29	0.25
Sortino Ratio	0.39	0.33
Ulcer Index	7.54	7.37
Ratio: Return / Standard Deviation	0.63	0.61
Ratio: Return / Deepest Drawdown	0.31	0.29
Metrics calculated over the period 1 March 2021 - 28 February 2026

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	Stocks/Bonds 40/60 with Bitcoin	Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks	39%	40%
Fixed Income	59%	60%
Commodities	2%	0%
PERFORMANCES
Annualized Return (%)	10.77	7.28
Infl. Adjusted (%)	7.26	3.88
DRAWDOWN
Deepest Drawdown Depth (%)	-19.41	-18.63
Start to Recovery (months)	29	30
Longest Drawdown Depth (%)	-19.41	-18.63
Start to Recovery (months)	29	30
Longest Negative Period (months)	35	38
RISK INDICATORS
Standard Deviation (%)	9.12	7.96
Sharpe Ratio	0.95	0.65
Sortino Ratio	1.31	0.86
Ulcer Index	5.49	5.36
Ratio: Return / Standard Deviation	1.18	0.91
Ratio: Return / Deepest Drawdown	0.55	0.39
Metrics calculated over the period 1 March 2016 - 28 February 2026

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	Stocks/Bonds 40/60 with Bitcoin	Stocks/Bonds 40/60
Author
ASSET ALLOCATION
Stocks	39%	40%
Fixed Income	59%	60%
Commodities	2%	0%
PERFORMANCES
Annualized Return (%)	16.83	6.99
Infl. Adjusted (%)	13.82	4.23
DRAWDOWN
Deepest Drawdown Depth (%)	-41.83	-18.63
Start to Recovery (months)	28	30
Longest Drawdown Depth (%)	-22.55	-18.63
Start to Recovery (months)	44	30
Longest Negative Period (months)	43	38
RISK INDICATORS
Standard Deviation (%)	34.14	7.06
Sharpe Ratio	0.45	0.80
Sortino Ratio	1.27	1.06
Ulcer Index	13.78	4.41
Ratio: Return / Standard Deviation	0.49	0.99
Ratio: Return / Deepest Drawdown	0.40	0.37
Metrics calculated over the period 1 January 2011 - 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 2016 - 28 February 2026 (10 years)

Period: 1 January 2011 - 28 February 2026 (~15 years)

Chart Table

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Stocks/Bonds 40/60 with Bitcoin			Stocks/Bonds 40/60
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-41.83	28	Jul 2011 Oct 2013
-22.55	44	Dec 2013 Jul 2017
-19.41	29	Nov 2021 Mar 2024
			-18.63	30	Jan 2022 Jun 2024
-8.64	4	Feb 2020 May 2020
			-8.09	4	Feb 2020 May 2020
-5.74	7	Sep 2018 Mar 2019
			-5.36	7	Sep 2018 Mar 2019
			-4.76	7	Jun 2011 Dec 2011
-3.61	3	Apr 2024 Jun 2024
			-3.41	10	Jun 2015 Mar 2016
-2.96	7	Feb 2018 Aug 2018
			-2.87	6	Feb 2018 Jul 2018
-2.79	7	Dec 2024 Jun 2025
-2.69	2	Sep 2021 Oct 2021

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 2011 - 28 February 2026 (~15 years)

Rolling Period:

Stocks/Bonds 40/60 with Bitcoin
Stocks/Bonds 40/60

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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	Stocks/Bonds 40/60 with Bitcoin		Stocks/Bonds 40/60
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	1.01	0.00	1.51	0.00
2025	10.72	-2.30	11.09	-2.35
2024	12.52	-3.61	10.35	-3.23
2023	16.46	-5.77	13.66	-6.58
2022	-16.63	-19.40	-15.67	-18.63
2021	10.11	-2.69	9.15	-2.56
2020	18.82	-8.64	13.04	-8.09
2019	19.02	-0.23	17.57	-1.77
2018	-3.57	-5.74	-2.15	-5.36
2017	37.76	-0.22	10.63	0.00
2016	8.97	-1.81	6.64	-1.57
2015	1.16	-3.49	0.48	-3.41
2014	7.20	-1.50	8.51	-1.20
2013	135.55	-22.50	12.12	-1.84
2012	11.90	-1.96	8.47	-2.11
2011	34.51	-41.83	5.14	-4.76

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Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Feb 28, 2026

Portfolio Metrics as of Feb 28, 2026

Drawdowns

Rolling Returns

Yearly Returns