Stocks/Bonds 80/20 Portfolio vs Warren Buffett Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - June 2025 (~155 years)
Consolidated Returns as of 30 June 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 June 2025.
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1871/01 - 2025/06)
Inflation Adjusted:
Stocks/Bonds 80/20 Portfolio
1.00$
Invested Capital
July 1995
14.82$
Final Capital
June 2025
9.40%
Yearly Return
12.59%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Invested Capital
July 1995
7.04$
Final Capital
June 2025
6.72%
Yearly Return
12.59%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
January 1871
311.55 K$
Final Capital
June 2025
8.53%
Yearly Return
13.28%
Std Deviation
-75.27%
Max Drawdown
163months
Recovery Period
1.00$
Invested Capital
January 1871
12.12 K$
Final Capital
June 2025
6.28%
Yearly Return
13.28%
Std Deviation
-68.77%
Max Drawdown
79months
Recovery Period
Warren Buffett Portfolio
1.00$
Invested Capital
July 1995
17.22$
Final Capital
June 2025
9.95%
Yearly Return
13.74%
Std Deviation
-45.52%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
July 1995
8.19$
Final Capital
June 2025
7.26%
Yearly Return
13.74%
Std Deviation
-47.08%
Max Drawdown
149months
Recovery Period
1.00$
Invested Capital
January 1871
457.80 K$
Final Capital
June 2025
8.80%
Yearly Return
14.82%
Std Deviation
-79.29%
Max Drawdown
178months
Recovery Period
1.00$
Invested Capital
January 1871
17.81 K$
Final Capital
June 2025
6.54%
Yearly Return
14.82%
Std Deviation
-73.85%
Max Drawdown
86months
Recovery Period

As of June 2025, in the previous 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.40% compound annual return, with a 12.59% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 months to be recovered.

As of June 2025, in the previous 30 Years, the Warren Buffett Portfolio obtained a 9.95% compound annual return, with a 13.74% standard deviation. It suffered a maximum drawdown of -45.52% that required 42 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.

Stocks/Bonds 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VTI
Vanguard Total Stock Market
20.00
BND
Vanguard Total Bond Market
Warren Buffett Portfolio
Weight
(%)		 Ticker Name
90.00
VV
Vanguard Large-Cap
10.00
SHY
iShares 1-3 Year Treasury Bond
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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
(1871/01 - 2025/06)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 80/20
 1 $ 14.82 $ 1 381.94% 9.40%
Warren Buffett Warren Buffett Portfolio
Warren Buffett 		1 $ 17.22 $ 1 622.49% 9.95%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 80/20
 1 $ 7.04 $ 604.31% 6.72%
Warren Buffett Warren Buffett Portfolio
Warren Buffett 		1 $ 8.19 $ 718.64% 7.26%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 80/20
 1 $ 311 552.68 $ 31 155 167.57% 8.53%
Warren Buffett Warren Buffett Portfolio
Warren Buffett 		1 $ 457 795.11 $ 45 779 410.89% 8.80%
Jan 1871 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 80/20
 1 $ 12 123.99 $ 1 212 299.32% 6.28%
Warren Buffett Warren Buffett Portfolio
Warren Buffett 		1 $ 17 814.98 $ 1 781 398.03% 6.54%
Jan 1871 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~155Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 80/20
-- Market Benchmark 		5.26 4.42 5.26 13.42 12.57 10.77 9.40 8.53
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_warren_buffett.webp Warren Buffett Portfolio
Warren Buffett 		6.09 4.81 6.09 14.77 15.04 12.44 9.95 8.80
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 1871 - 30 June 2025 (~155 years)
1 Year
5 Years
10 Years
30 Years
All (1871/01 - 2025/06)
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Stocks/Bonds 80/20 Warren Buffett Portfolio
Author Warren Buffett
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 13.42 14.77
Infl. Adjusted (%) 10.73 12.05
DRAWDOWN
Deepest Drawdown Depth (%) -6.49 -6.82
Start to Recovery (months) 7 5
Longest Drawdown Depth (%) -6.49 -6.82
Start to Recovery (months) 7 5
Longest Negative Period (months) 8 7
RISK INDICATORS
Standard Deviation (%) 10.52 11.11
Sharpe Ratio 0.83 0.91
Sortino Ratio 1.13 1.25
Ulcer Index 2.69 2.72
Ratio: Return / Standard Deviation 1.28 1.33
Ratio: Return / Deepest Drawdown 2.07 2.16
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Stocks/Bonds 80/20 Warren Buffett Portfolio
Author Warren Buffett
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.57 15.04
Infl. Adjusted (%) 7.70 10.06
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -23.08
Start to Recovery (months) 25 24
Longest Drawdown Depth (%) -22.75 -23.08
Start to Recovery (months) 25 24
Longest Negative Period (months) 30 28
RISK INDICATORS
Standard Deviation (%) 14.01 14.83
Sharpe Ratio 0.71 0.83
Sortino Ratio 0.95 1.11
Ulcer Index 8.14 7.97
Ratio: Return / Standard Deviation 0.90 1.01
Ratio: Return / Deepest Drawdown 0.55 0.65
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Stocks/Bonds 80/20 Warren Buffett Portfolio
Author Warren Buffett
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.77 12.44
Infl. Adjusted (%) 7.50 9.12
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -23.08
Start to Recovery (months) 25 24
Longest Drawdown Depth (%) -22.75 -23.08
Start to Recovery (months) 25 24
Longest Negative Period (months) 30 28
RISK INDICATORS
Standard Deviation (%) 13.13 14.03
Sharpe Ratio 0.68 0.76
Sortino Ratio 0.90 1.00
Ulcer Index 6.37 6.35
Ratio: Return / Standard Deviation 0.82 0.89
Ratio: Return / Deepest Drawdown 0.47 0.54
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Stocks/Bonds 80/20 Warren Buffett Portfolio
Author Warren Buffett
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.40 9.95
Infl. Adjusted (%) 6.72 7.26
DRAWDOWN
Deepest Drawdown Depth (%) -41.09 -45.52
Start to Recovery (months) 39 42
Longest Drawdown Depth (%) -33.33 -39.67
Start to Recovery (months) 59 73
Longest Negative Period (months) 122 132
RISK INDICATORS
Standard Deviation (%) 12.59 13.74
Sharpe Ratio 0.57 0.56
Sortino Ratio 0.74 0.74
Ulcer Index 10.40 12.59
Ratio: Return / Standard Deviation 0.75 0.72
Ratio: Return / Deepest Drawdown 0.23 0.22
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Stocks/Bonds 80/20 Warren Buffett Portfolio
Author Warren Buffett
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.53 8.80
Infl. Adjusted (%) 6.28 6.54
DRAWDOWN
Deepest Drawdown Depth (%) -75.27 -79.29
Start to Recovery (months) 163 178
Longest Drawdown Depth (%) -75.27 -79.29
Start to Recovery (months) 163 178
Longest Negative Period (months) 166 181
RISK INDICATORS
Standard Deviation (%) 13.28 14.82
Sharpe Ratio 0.34 0.32
Sortino Ratio 0.47 0.45
Ulcer Index 13.04 15.57
Ratio: Return / Standard Deviation 0.64 0.59
Ratio: Return / Deepest Drawdown 0.11 0.11
Metrics calculated over the period 1 January 1871 - 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 1871 - 30 June 2025 (~155 years)
30 Years
(1995/07 - 2025/06)

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Stocks/Bonds 80/20 Warren Buffett Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-45.52 42 Nov 2007
Apr 2011
-41.09 39 Nov 2007
Jan 2011
-39.67 73 Sep 2000
Sep 2006
-33.33 59 Sep 2000
Jul 2005
-23.08 24 Jan 2022
Dec 2023
-22.75 25 Jan 2022
Jan 2024
-17.49 6 Feb 2020
Jul 2020
-16.53 6 Feb 2020
Jul 2020
-15.04 10 May 2011
Feb 2012
-13.95 5 Jul 1998
Nov 1998
-13.83 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-12.09 7 Oct 2018
Apr 2019
-11.32 7 Oct 2018
Apr 2019
-7.73 10 Aug 2015
May 2016

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Stocks/Bonds 80/20 Warren Buffett Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-79.29 178 Sep 1929
Jun 1944
-75.27 163 Sep 1929
Mar 1943
-45.52 42 Nov 2007
Apr 2011
-41.09 39 Nov 2007
Jan 2011
-40.52 42 Jan 1973
Jun 1976
-39.67 73 Sep 2000
Sep 2006
-36.88 39 Jan 1973
Mar 1976
-33.33 59 Sep 2000
Jul 2005
-30.50 37 Apr 1876
Apr 1879
-30.14 26 Oct 1906
Nov 1908
-27.35 21 Sep 1987
May 1989
-26.75 34 Apr 1876
Jan 1879
-26.19 28 Dec 1968
Mar 1971
-25.03 29 Dec 1916
Apr 1919
-24.55 20 Sep 1987
Apr 1989

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 1871 - 30 June 2025 (~155 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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Stocks/Bonds 80/20 Warren Buffett Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 5.26 -6.18 6.09 -6.82
2024
 19.32 -3.99 23.12 -3.67
2023
 21.92 -8.32 24.86 -7.55
2022
 -18.23 -22.75 -18.29 -23.08
2021
 20.16 -3.88 24.59 -4.32
2020
 18.36 -16.53 19.19 -17.49
2019
 26.30 -4.97 28.46 -5.73
2018
 -4.19 -11.32 -3.84 -12.09
2017
 17.68 0.00 19.83 0.00
2016
 10.77 -4.34 10.69 -4.87
2015
 0.40 -7.05 0.96 -7.73
2014
 11.20 -2.23 12.08 -2.97
2013
 26.34 -2.66 29.44 -2.62
2012
 13.79 -5.21 14.59 -6.10
2011
 2.36 -13.35 1.43 -15.04
2010
 15.18 -10.23 14.55 -11.71
2009
 23.84 -14.71 24.66 -16.03
2008
 -28.21 -30.13 -32.35 -33.45
2007
 5.68 -4.17 6.30 -4.37
2006
 13.41 -2.63 14.32 -2.48
2005
 5.53 -3.41 5.58 -3.97
2004
 11.08 -2.95 9.73 -2.96
2003
 25.40 -3.13 25.87 -3.66
2002
 -14.73 -20.47 -19.13 -24.82
2001
 -7.09 -17.69 -10.04 -20.31
2000
 -6.18 -12.05 -7.27 -11.55
1999
 18.90 -5.12 19.15 -5.59
1998
 20.33 -13.95 26.49 -13.83
1997
 26.68 -3.85 30.52 -5.15
1996
 17.49 -4.78 21.03 -3.99
1995
 32.26 -0.70 34.91 -0.25
1994
 -0.67 -6.95 1.01 -6.47
1993
 10.44 -2.06 9.53 -2.10
1992
 8.71 -2.02 7.36 -2.36
1991
 28.96 -3.69 28.35 -4.14
1990
 -3.13 -12.23 -2.00 -12.77
1989
 25.22 -2.00 29.38 -2.30
1988
 15.32 -2.84 15.17 -3.40
1987
 2.40 -24.55 4.71 -27.35
1986
 14.68 -6.76 17.29 -7.59
1985
 29.47 -3.45 29.49 -3.46
1984
 4.75 -7.80 6.99 -6.07
1983
 19.17 -3.09 19.96 -3.02
1982
 22.62 -7.08 21.09 -7.70
1981
 -1.44 -10.81 -3.26 -10.93
1980
 27.10 -10.71 29.60 -8.82
1979
 20.47 -6.94 17.05 -6.17
1978
 6.99 -9.83 5.62 -8.58
1977
 -2.48 -6.59 -6.77 -10.10
1976
 23.93 -1.62 22.58 -1.97
1975
 31.73 -10.05 34.14 -11.01
1974
 -21.11 -27.27 -23.54 -30.75
1973
 -13.65 -14.55 -14.10 -15.10
1972
 14.64 -1.96 17.45 -1.74
1971
 16.00 -6.14 13.67 -7.10
1970
 7.28 -14.57 4.95 -17.25
1969
 -8.65 -9.37 -7.28 -9.56
1968
 11.29 -4.08 10.36 -5.60
1967
 21.80 -3.81 21.92 -4.49
1966
 -5.99 -12.18 -8.57 -14.09
1965
 11.50 -3.73 11.37 -4.53
1964
 13.90 -1.08 15.12 -1.23
1963
 17.24 -2.26 20.68 -2.38
1962
 -6.55 -17.65 -7.50 -19.86
1961
 21.82 -2.35 24.37 -2.49
1960
 3.34 -5.42 1.29 -6.95
1959
 9.88 -4.67 10.87 -5.10
1958
 35.29 -1.18 39.17 -1.46
1957
 -6.23 -10.37 -9.21 -12.91
1956
 6.50 -6.18 6.10 -6.96
1955
 20.42 -2.50 28.33 -2.43
1954
 41.03 -2.67 47.42 -2.78
1953
 1.26 -6.31 -0.68 -8.07
1952
 11.34 -3.17 16.84 -3.31
1951
 16.61 -5.01 22.18 -4.95
1950
 24.24 -4.40 27.56 -4.82
1949
 16.85 -3.37 16.43 -4.20
1948
 2.41 -8.79 4.72 -9.37
1947
 2.98 -5.12 4.83 -5.40
1946
 -4.87 -17.16 -7.24 -19.89
1945
 31.60 -3.21 32.94 -3.82
1944
 17.44 -1.24 17.83 -1.51
1943
 22.81 -6.71 23.35 -8.12
1942
 13.64 -9.90 19.04 -10.12
1941
 -7.63 -10.69 -10.47 -12.57
1940
 -4.87 -18.76 -8.93 -21.91
1939
 2.49 -11.80 -0.71 -14.33
1938
 23.58 -20.31 30.06 -22.24
1937
 -27.51 -31.04 -31.63 -35.23
1936
 27.82 -5.96 29.65 -6.77
1935
 37.81 -7.62 42.64 -8.74
1934
 3.30 -14.20 -1.85 -18.67
1933
 46.35 -15.62 47.84 -17.61
1932
 -4.47 -35.31 -7.22 -40.36
1931
 -35.71 -43.75 -39.39 -47.83
1930
 -21.13 -31.14 -22.03 -33.22
1929
 -8.19 -28.19 -7.44 -30.51
1928
 30.76 -3.44 39.15 -3.41
1927
 27.72 -3.53 33.87 -3.63
1926
 10.11 -7.22 10.43 -8.30
1925
 21.26 -5.26 26.87 -5.61
1924
 23.20 -2.70 23.76 -3.57
1923
 5.04 -10.37 4.17 -12.09
1922
 24.33 -3.61 25.52 -4.09
1921
 10.70 -7.08 14.22 -7.26
1920
 -11.16 -12.22 -17.37 -17.55
1919
 16.14 -6.23 19.03 -6.76
1918
 15.45 -2.95 23.53 -2.81
1917
 -15.26 -15.26 -22.57 -22.57
1916
 7.17 -2.83 8.31 -3.17
1915
 26.18 -1.80 32.47 -1.72
1914
 -3.07 -15.69 -2.69 -16.94
1913
 -3.04 -6.45 -8.10 -9.68
1912
 6.01 -3.29 7.42 -3.53
1911
 3.60 -7.84 5.58 -8.31
1910
 -1.92 -8.66 -6.56 -12.23
1909
 13.16 -2.11 17.29 -2.20
1908
 33.83 -2.66 41.02 -2.76
1907
 -19.45 -22.50 -26.28 -29.55
1906
 0.63 -7.84 6.52 -5.84
1905
 17.12 -4.36 17.87 -5.03
1904
 26.86 -1.84 28.41 -2.12
1903
 -13.28 -20.02 -12.70 -20.83
1902
 6.77 -6.04 4.74 -7.42
1901
 15.88 -6.66 24.93 -5.95
1900
 17.38 -4.20 10.87 -6.21
1899
 2.83 -7.28 8.97 -5.80
1898
 24.31 -4.46 21.34 -5.52
1897
 17.42 -4.24 15.72 -5.41
1896
 3.38 -10.33 2.13 -11.61
1895
 3.97 -8.19 4.21 -8.87
1894
 4.08 -4.26 2.30 -5.30
1893
 -14.13 -21.64 -13.61 -22.56
1892
 5.29 -1.86 5.62 -2.01
1891
 16.15 -3.45 21.07 -2.84
1890
 -4.72 -10.81 -8.74 -14.28
1889
 6.12 -1.97 7.15 -2.07
1888
 3.72 -2.84 2.28 -3.19
1887
 -0.27 -7.87 -1.95 -9.29
1886
 9.69 -3.72 11.65 -3.90
1885
 25.05 -1.30 24.10 -1.67
1884
 -9.11 -11.70 -11.59 -13.08
1883
 -3.56 -5.29 -2.16 -5.03
1882
 3.48 -4.68 2.42 -5.39
1881
 0.85 -8.18 7.13 -5.89
1880
 22.26 -7.02 22.34 -8.26
1879
 40.02 -0.88 44.89 -0.91
1878
 14.30 -0.73 10.78 -1.28
1877
 -0.16 -15.24 -3.06 -18.64
1876
 -9.91 -13.58 -10.41 -14.59
1875
 5.57 -2.81 2.65 -4.05
1874
 6.48 -4.60 9.72 -4.25
1873
 -1.18 -13.40 -5.05 -15.65
1872
 9.26 -2.91 12.20 -2.37
1871
 13.02 -3.74 11.39 -4.36
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