As of June 2026, in the previous 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.34% compound annual return, with a 12.69% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 months to be recovered.

As of June 2026, in the previous 30 Years, the US Stocks Portfolio obtained a 10.30% compound annual return, with a 15.78% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 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.

Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Stocks/Bonds 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VTI
Vanguard Total Stock Market
20.00
BND
Vanguard Total Bond Market
US Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
Swipe left to see all data
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Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~227Y)
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_us_author.webp Stocks/Bonds 80/20
-- Market Benchmark 		8.98 -0.26 8.98 19.16 9.90 12.40 9.34 8.02
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_us_author.webp US Stocks
-- Market Benchmark 		11.04 -0.39 11.04 23.17 12.24 15.04 10.30 8.51
Returns over 1 year are annualized.

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
1Y
5Y
10Y
30Y
MAX
Period: ()
Swipe left to see all data
Stocks/Bonds 80/20 US Stocks
Author
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 19.16 23.17
Infl. Adjusted (%) 14.71 18.57
DRAWDOWN
Deepest Drawdown Depth (%) -4.45 -5.51
Start to Recovery (months) 3 3
Longest Drawdown Depth (%) -4.45 -5.51
Start to Recovery (months) 3 3
Longest Negative Period (months) 6 6
RISK INDICATORS
Standard Deviation (%) 10.01 12.29
Sharpe Ratio 1.53 1.57
Sortino Ratio 2.31 2.44
Ulcer Index 1.24 1.54
Ratio: Return / Standard Deviation 1.92 1.89
Ratio: Return / Deepest Drawdown 4.31 4.21
Metrics calculated over the period 1 July 2025 - 30 June 2026
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Stocks/Bonds 80/20 US Stocks
Author
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.90 12.24
Infl. Adjusted (%) 5.37 7.62
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -24.81
Start to Recovery (months) 25 24
Longest Drawdown Depth (%) -22.75 -24.81
Start to Recovery (months) 25 24
Longest Negative Period (months) 28 28
RISK INDICATORS
Standard Deviation (%) 13.61 15.97
Sharpe Ratio 0.47 0.55
Sortino Ratio 0.64 0.75
Ulcer Index 8.13 8.63
Ratio: Return / Standard Deviation 0.73 0.77
Ratio: Return / Deepest Drawdown 0.44 0.49
Metrics calculated over the period 1 July 2021 - 30 June 2026
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Stocks/Bonds 80/20 US Stocks
Author
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.40 15.04
Infl. Adjusted (%) 8.75 11.30
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -24.81
Start to Recovery (months) 25 24
Longest Drawdown Depth (%) -22.75 -24.81
Start to Recovery (months) 25 24
Longest Negative Period (months) 30 30
RISK INDICATORS
Standard Deviation (%) 13.02 15.71
Sharpe Ratio 0.78 0.82
Sortino Ratio 1.03 1.08
Ulcer Index 6.27 6.88
Ratio: Return / Standard Deviation 0.95 0.96
Ratio: Return / Deepest Drawdown 0.54 0.61
Metrics calculated over the period 1 July 2016 - 30 June 2026
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Stocks/Bonds 80/20 US Stocks
Author
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.34 10.30
Infl. Adjusted (%) 6.62 7.55
DRAWDOWN
Deepest Drawdown Depth (%) -41.09 -50.84
Start to Recovery (months) 39 53
Longest Drawdown Depth (%) -33.33 -43.94
Start to Recovery (months) 59 67
Longest Negative Period (months) 122 139
RISK INDICATORS
Standard Deviation (%) 12.69 15.78
Sharpe Ratio 0.56 0.51
Sortino Ratio 0.74 0.67
Ulcer Index 10.40 14.32
Ratio: Return / Standard Deviation 0.74 0.65
Ratio: Return / Deepest Drawdown 0.23 0.20
Metrics calculated over the period 1 July 1996 - 30 June 2026
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Stocks/Bonds 80/20 US Stocks
Author
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.02 8.51
Infl. Adjusted (%) 6.44 6.92
DRAWDOWN
Deepest Drawdown Depth (%) -75.27 -84.60
Start to Recovery (months) 163 184
Longest Drawdown Depth (%) -75.27 -84.60
Start to Recovery (months) 163 184
Longest Negative Period (months) 166 204
RISK INDICATORS
Standard Deviation (%) 12.02 14.99
Sharpe Ratio 0.31 0.29
Sortino Ratio 0.44 0.40
Ulcer Index 11.35 15.39
Ratio: Return / Standard Deviation 0.67 0.57
Ratio: Return / Deepest Drawdown 0.11 0.10
Metrics calculated over the period 1 January 1800 - 30 June 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
Inflation Adj:

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

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

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.

Swipe left to see all data
Stocks/Bonds 80/20 US Stocks
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 8.98 -4.45 11.04 -5.51
2025
 15.10 -6.18 17.10 -8.31
2024
 19.32 -3.99 23.81 -4.34
2023
 21.92 -8.32 26.05 -9.11
2022
 -18.23 -22.75 -19.51 -24.81
2021
 20.16 -3.88 25.67 -4.46
2020
 18.36 -16.53 21.03 -20.84
2019
 26.30 -4.97 30.67 -6.45
2018
 -4.19 -11.32 -5.21 -14.20
2017
 17.68 0.00 21.21 0.00
2016
 10.77 -4.34 12.83 -5.73
2015
 0.40 -7.05 0.36 -8.84
2014
 11.20 -2.23 12.54 -3.17
2013
 26.34 -2.66 33.45 -3.03
2012
 13.79 -5.21 16.45 -6.82
2011
 2.36 -13.35 0.97 -17.58
2010
 15.18 -10.23 17.42 -13.26
2009
 23.84 -14.71 28.89 -17.72
2008
 -28.21 -30.13 -36.98 -38.08
2007
 5.68 -4.17 5.37 -5.23
2006
 13.41 -2.63 15.69 -3.22
2005
 5.53 -3.41 6.31 -4.48
2004
 11.08 -2.95 12.79 -3.56
2003
 25.40 -3.13 30.75 -4.27
2002
 -14.73 -20.47 -20.47 -27.18
2001
 -7.09 -17.69 -10.97 -23.65
2000
 -6.18 -12.05 -10.57 -15.87
1999
 18.90 -5.12 23.81 -6.42
1998
 20.33 -13.95 23.26 -17.57
1997
 26.68 -3.85 30.99 -4.56
1996
 17.49 -4.78 20.96 -6.17
1995
 32.26 -0.70 35.79 -1.17
1994
 -0.67 -6.95 -0.17 -7.43
1993
 10.44 -2.06 10.62 -2.77
1992
 8.71 -2.02 9.11 -2.40
1991
 28.96 -3.69 32.39 -4.47
1990
 -3.13 -12.23 -6.08 -16.20
1989
 25.22 -2.00 28.12 -3.05
1988
 15.32 -2.84 17.32 -3.42
1987
 2.40 -24.55 2.61 -29.34
1986
 14.68 -6.76 14.57 -7.92
1985
 29.47 -3.45 31.27 -4.77
1984
 4.75 -7.80 2.19 -9.02
1983
 19.17 -3.09 22.66 -4.00
1982
 22.62 -7.08 20.50 -11.21
1981
 -1.44 -10.81 -4.15 -12.79
1980
 27.10 -10.71 33.15 -11.98
1979
 20.47 -6.94 24.25 -7.22
1978
 6.99 -9.83 8.45 -11.64
1977
 -2.48 -6.59 -3.36 -8.29
1976
 23.93 -1.62 26.47 -2.10
1975
 31.73 -10.05 37.82 -11.74
1974
 -21.11 -27.27 -27.81 -34.15
1973
 -13.65 -14.55 -18.18 -19.22
1972
 14.64 -1.96 17.62 -2.45
1971
 16.00 -6.14 17.63 -6.54
1970
 7.28 -14.57 4.79 -19.06
1969
 -8.65 -9.37 -10.28 -11.24
1968
 11.29 -4.08 13.39 -6.48
1967
 21.80 -3.81 27.39 -4.70
1966
 -5.99 -12.18 -8.73 -14.78
1965
 11.50 -3.73 14.20 -4.80
1964
 13.90 -1.08 16.40 -1.37
1963
 17.24 -2.26 21.15 -2.74
1962
 -6.55 -17.65 -9.62 -22.67
1961
 21.82 -2.35 26.94 -2.62
1960
 3.34 -5.42 0.92 -8.00
1959
 9.88 -4.67 12.78 -5.35
1958
 35.29 -1.18 44.81 -1.59
1957
 -6.23 -10.37 -9.93 -14.61
1956
 6.50 -6.18 8.51 -7.23
1955
 20.42 -2.50 25.72 -3.23
1954
 41.03 -2.67 50.59 -3.14
1953
 1.26 -6.31 0.66 -7.66
1952
 11.34 -3.17 13.62 -4.23
1951
 16.61 -5.01 20.75 -6.04
1950
 24.24 -4.40 30.33 -5.29
1949
 16.85 -3.37 19.97 -4.32
1948
 2.41 -8.79 2.36 -10.99
1947
 2.98 -5.12 3.84 -6.63
1946
 -4.87 -17.16 -6.27 -20.85
1945
 31.60 -3.21 38.22 -4.09
1944
 17.44 -1.24 21.23 -1.55
1943
 22.81 -6.71 27.90 -8.06
1942
 13.64 -9.90 16.72 -12.33
1941
 -7.63 -10.69 -10.09 -12.94
1940
 -4.87 -18.76 -7.16 -23.05
1939
 2.49 -11.80 2.33 -15.16
1938
 23.58 -20.31 28.38 -25.06
1937
 -27.51 -31.04 -34.85 -38.63
1936
 27.82 -5.96 33.65 -7.38
1935
 37.81 -7.62 46.29 -10.15
1934
 3.30 -14.20 2.31 -18.75
1933
 46.35 -15.62 57.18 -18.12
1932
 -4.47 -35.31 -8.65 -44.97
1931
 -35.71 -43.75 -44.12 -52.60
1930
 -21.13 -31.14 -28.35 -39.08
1929
 -8.19 -28.19 -11.30 -34.31
1928
 30.76 -3.44 38.68 -4.13
1927
 27.72 -3.53 33.33 -4.30
1926
 10.11 -7.22 11.46 -9.26
1925
 21.26 -5.26 25.78 -6.56
1924
 23.20 -2.70 27.03 -3.78
1923
 5.04 -10.37 5.38 -13.08
1922
 24.33 -3.61 29.04 -4.35
1921
 10.70 -7.08 10.09 -9.26
1920
 -11.16 -12.22 -14.01 -15.38
1919
 16.14 -6.23 19.62 -7.49
1918
 15.45 -2.95 18.16 -3.76
1917
 -15.26 -15.26 -18.65 -18.65
1916
 7.17 -2.83 8.05 -3.65
1915
 26.18 -1.80 31.16 -2.26
1914
 -3.07 -15.69 -5.46 -20.24
1913
 -3.04 -6.45 -4.77 -8.74
1912
 6.01 -3.29 7.12 -4.07
1911
 3.60 -7.84 3.47 -9.84
1910
 -1.92 -8.66 -3.44 -11.27
1909
 13.16 -2.11 16.09 -2.75
1908
 33.83 -2.66 39.43 -3.59
1907
 -19.45 -22.50 -24.23 -28.45
1906
 0.63 -7.84 0.60 -9.63
1905
 17.12 -4.36 21.23 -5.27
1904
 26.86 -1.84 32.12 -2.23
1903
 -13.28 -20.02 -17.14 -25.30
1902
 6.77 -6.04 8.21 -7.32
1901
 15.88 -6.66 19.40 -8.08
1900
 17.38 -4.20 20.75 -5.37
1899
 2.83 -7.28 3.64 -8.88
1898
 24.31 -4.46 29.23 -4.56
1897
 17.42 -4.24 20.31 -5.49
1896
 3.38 -10.33 3.20 -12.04
1895
 3.97 -8.19 4.95 -9.39
1894
 4.08 -4.26 3.58 -5.55
1893
 -14.13 -21.64 -18.85 -26.86
1892
 5.29 -1.86 6.08 -2.16
1891
 16.15 -3.45 18.83 -3.88
1890
 -4.72 -10.81 -6.20 -13.89
1889
 6.12 -1.97 7.03 -2.45
1888
 3.72 -2.84 3.28 -3.34
1887
 -0.27 -7.87 -0.70 -9.45
1886
 9.69 -3.72 11.92 -4.49
1885
 25.05 -1.30 29.98 -1.47
1884
 -9.11 -11.70 -12.37 -13.99
1883
 -3.56 -5.29 -5.53 -7.10
1882
 3.48 -4.68 3.58 -5.68
1881
 0.85 -8.18 0.18 -9.93
1880
 22.26 -7.02 26.50 -8.79
1879
 40.02 -0.88 49.29 -0.98
1878
 14.30 -0.73 16.25 -1.08
1877
 -0.16 -15.24 -1.12 -19.66
1876
 -9.91 -13.58 -14.18 -18.03
1875
 5.57 -2.81 5.35 -4.33
1874
 6.48 -4.60 4.67 -6.59
1873
 -1.18 -13.40 -2.53 -15.75
1872
 9.26 -2.91 11.12 -3.07
1871
 13.02 -3.74 15.59 -4.38
1870
 5.42 -3.55 5.20 -4.95
1869
 4.44 -5.50 3.65 -7.62
1868
 7.74 -2.61 8.07 -3.32
1867
 4.78 0.00 3.85 0.00
1866
 7.83 -5.17 7.28 -6.78
1865
 4.10 -11.39 4.72 -14.45
1864
 14.63 -7.41 16.59 -9.48
1863
 38.71 -4.02 46.40 -5.01
1862
 47.98 -3.31 54.98 -4.35
1861
 2.37 -15.42 1.52 -19.16
1860
 0.39 -10.76 -0.07 -13.88
1859
 6.41 -1.44 6.84 -2.24
1858
 15.77 -2.34 17.01 -3.06
1857
 -10.04 -25.17 -13.56 -31.95
1856
 8.57 -2.15 8.72 -2.96
1855
 19.27 -3.21 21.81 -4.19
1854
 -9.09 -10.96 -10.97 -13.29
1853
 -0.20 -7.56 -1.25 -9.82
1852
 22.55 -0.50 25.34 -0.78
1851
 2.31 -4.98 1.90 -6.55
1850
 15.81 -0.53 17.02 -0.97
1849
 17.58 -2.74 18.40 -3.59
1848
 14.41 0.00 12.70 0.00
1847
 13.53 -11.08 16.09 -13.87
1846
 24.77 -2.67 28.89 -3.54
1845
 -4.47 -7.83 -6.06 -9.97
1844
 10.96 -2.98 12.08 -3.76
1843
 54.22 -0.99 55.29 -1.85
1842
 7.42 -6.61 11.01 -7.92
1841
 -17.46 -17.46 -16.11 -17.47
1840
 8.10 -2.73 9.01 -3.36
1839
 -16.49 -22.50 -19.01 -27.28
1838
 17.70 -0.90 21.16 -1.24
1837
 -9.16 -18.53 -13.46 -23.68
1836
 9.87 -5.94 11.92 -7.50
1835
 -1.67 -8.12 -2.37 -10.32
1834
 12.30 -2.44 13.23 -3.33
1833
 -1.65 -5.57 -1.86 -6.91
1832
 11.68 -0.57 13.07 -0.89
1831
 -9.47 -9.47 -13.99 -13.99
1830
 26.40 0.00 31.50 0.00
1829
 13.68 -1.31 15.41 -2.06
1828
 -10.30 -12.97 -13.63 -16.39
1827
 -0.12 -3.57 -1.68 -4.96
1826
 2.90 -7.73 2.25 -10.10
1825
 -7.23 -8.30 -9.19 -10.49
1824
 13.04 -1.15 14.34 -1.57
1823
 6.97 -0.67 7.25 -1.06
1822
 -2.60 -2.60 -3.96 -3.96
1821
 10.79 -0.13 11.89 -0.27
1820
 7.20 -0.96 6.40 -1.47
1819
 -2.39 -6.01 -5.16 -8.26
1818
 -10.99 -10.99 -13.71 -13.71
1817
 23.00 -0.44 24.84 -0.87
1816
 5.71 -1.54 4.73 -2.86
1815
 13.25 -6.13 12.89 -8.03
1814
 -5.99 -6.28 -7.44 -7.84
1813
 5.35 -0.31 7.38 -0.33
1812
 8.89 -3.24 10.30 -4.09
1811
 1.96 -1.77 2.82 -1.88
1810
 -0.90 -2.78 -2.11 -3.58
1809
 7.03 -1.47 7.49 -2.04
1808
 13.80 -1.57 14.74 -2.29
1807
 1.35 -6.39 0.50 -8.11
1806
 10.79 -0.73 10.63 -1.10
1805
 1.45 -2.16 0.30 -3.30
1804
 0.45 -1.75 0.31 -2.24
1803
 3.98 -0.98 4.32 -1.30
1802
 12.47 0.00 14.21 0.00
1801
 13.58 -1.52 13.22 -2.13
1800
 14.67 -0.46 13.64 -0.93
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