Total Bond US Portfolio vs The Lazy Team High Yield Bonds Income Portfolio Portfolio Comparison

Simulation Settings

Period: January 1985 - January 2026 (~41 years)
Consolidated Returns as of 31 January 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

30 Years
(1996/02 - 2026/01)

All Data
(1985/01 - 2026/01)

Inflation Adjusted:

Total Bond US Portfolio

1.00$
Invested Capital
February 1996
3.26$
Final Capital
January 2026
4.01%
Yearly Return
4.22%
Std Deviation
-17.28%
Max Drawdown
66months*
Recovery Period
* in progress

1.00$
Invested Capital
February 1996
1.54$
Final Capital
January 2026
1.46%
Yearly Return
4.22%
Std Deviation
-30.41%
Max Drawdown
66months*
Recovery Period
* in progress

1.00$
Invested Capital
January 1985
9.67$
Final Capital
January 2026
5.68%
Yearly Return
4.51%
Std Deviation
-17.28%
Max Drawdown
66months*
Recovery Period
* in progress

1.00$
Invested Capital
January 1985
3.13$
Final Capital
January 2026
2.81%
Yearly Return
4.51%
Std Deviation
-30.41%
Max Drawdown
66months*
Recovery Period
* in progress

The Lazy Team High Yield Bonds Income Portfolio

1.00$
Invested Capital
February 1996
6.38$
Final Capital
January 2026
6.37%
Yearly Return
8.79%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period

1.00$
Invested Capital
February 1996
3.03$
Final Capital
January 2026
3.76%
Yearly Return
8.79%
Std Deviation
-29.88%
Max Drawdown
61months*
Recovery Period
* in progress

1.00$
Invested Capital
January 1985
21.48$
Final Capital
January 2026
7.75%
Yearly Return
8.09%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period

1.00$
Invested Capital
January 1985
6.95$
Final Capital
January 2026
4.83%
Yearly Return
8.09%
Std Deviation
-29.88%
Max Drawdown
61months*
Recovery Period
* in progress

As of January 2026, in the previous 30 Years, the Total Bond US Portfolio obtained a 4.01% compound annual return, with a 4.22% standard deviation. It suffered a maximum drawdown of -17.28% which has been ongoing for 66 months and is still in progress.

As of January 2026, in the previous 30 Years, the The Lazy Team High Yield Bonds Income Portfolio obtained a 6.37% compound annual return, with a 8.79% standard deviation. It suffered a maximum drawdown of -23.97% that required 21 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.

Total Bond US Portfolio

Weight (%)	Ticker	Name
100.00	BND	Vanguard Total Bond Market

The Lazy Team High Yield Bonds Income Portfolio

Weight (%)	Ticker	Name
25.00	EMB	iShares JP Morgan USD Em Mkts Bd
25.00	JNK	SPDR Barclays High Yield Bond ETF
25.00	SPLB	SPDR Portfolio Long Term Corporate Bond ETF
25.00	HYG	iShares iBoxx $ High Yield Corporate Bond

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Portfolio Returns as of Jan 31, 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

30 Years
(1996/02 - 2026/01)

All Data
(1985/01 - 2026/01)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Total Bond US	1 $	3.26 $	225.66%	4.01%
High Yield Bonds Income The Lazy Team	1 $	6.38 $	538.49%	6.37%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Total Bond US	1 $	1.54 $	54.48%	1.46%
High Yield Bonds Income The Lazy Team	1 $	3.03 $	202.88%	3.76%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Total Bond US	1 $	9.67 $	866.93%	5.68%
High Yield Bonds Income The Lazy Team	1 $	21.48 $	2 048.09%	7.75%
	Jan 1985	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Total Bond US	1 $	3.13 $	212.81%	2.81%
High Yield Bonds Income The Lazy Team	1 $	6.95 $	594.92%	4.83%
	Jan 1985	Jan 2026

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		Return (%) as of Jan 31, 2026
		YTD (1M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~41Y)
	Total Bond US -- Market Benchmark	0.22	0.22	3.42	6.68	-0.27	1.85	4.01	5.68
	High Yield Bonds Income The Lazy Team	0.52	0.52	4.70	8.81	1.77	4.71	6.37	7.75
Returns over 1 year are annualized.

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Portfolio Metrics as of Jan 31, 2026

The following metrics, updated as of 31 January 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 February 2025 - 31 January 2026 (1 year)

Period: 1 February 2021 - 31 January 2026 (5 years)

Period: 1 February 2016 - 31 January 2026 (10 years)

Period: 1 February 1996 - 31 January 2026 (30 years)

Period: 1 January 1985 - 31 January 2026 (~41 years)

1 Year

5 Years

10 Years

30 Years

All (1985/01 - 2026/01)

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	Total Bond US	High Yield Bonds Income
Author		The Lazy Team
ASSET ALLOCATION
Stocks	0%	0%
Fixed Income	100%	100%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	6.68	8.81
Infl. Adjusted (%)	4.40	6.50
DRAWDOWN
Deepest Drawdown Depth (%)	-0.67	-1.72
Start to Recovery (months)	2	4
Longest Drawdown Depth (%)	-0.30	-1.72
Start to Recovery (months)	2*	4
Longest Negative Period (months)	3	3
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	2.74	3.44
Sharpe Ratio	0.94	1.37
Sortino Ratio	1.43	1.89
Ulcer Index	0.22	0.62
Ratio: Return / Standard Deviation	2.44	2.56
Ratio: Return / Deepest Drawdown	9.90	5.11
Metrics calculated over the period 1 February 2025 - 31 January 2026

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	Total Bond US	High Yield Bonds Income
Author		The Lazy Team
ASSET ALLOCATION
Stocks	0%	0%
Fixed Income	100%	100%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	-0.27	1.77
Infl. Adjusted (%)	-4.51	-2.55
DRAWDOWN
Deepest Drawdown Depth (%)	-16.55	-21.84
Start to Recovery (months)	54*	46
Longest Drawdown Depth (%)	-16.55	-21.84
Start to Recovery (months)	54*	46
Longest Negative Period (months)	60*	47
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	6.33	9.25
Sharpe Ratio	-0.54	-0.15
Sortino Ratio	-0.77	-0.21
Ulcer Index	8.87	9.61
Ratio: Return / Standard Deviation	-0.04	0.19
Ratio: Return / Deepest Drawdown	-0.02	0.08
Metrics calculated over the period 1 February 2021 - 31 January 2026

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	Total Bond US	High Yield Bonds Income
Author		The Lazy Team
ASSET ALLOCATION
Stocks	0%	0%
Fixed Income	100%	100%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	1.85	4.71
Infl. Adjusted (%)	-1.32	1.45
DRAWDOWN
Deepest Drawdown Depth (%)	-17.28	-21.84
Start to Recovery (months)	66*	46
Longest Drawdown Depth (%)	-17.28	-21.84
Start to Recovery (months)	66*	46
Longest Negative Period (months)	90	65
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	5.14	8.72
Sharpe Ratio	-0.04	0.30
Sortino Ratio	-0.06	0.40
Ulcer Index	6.84	7.05
Ratio: Return / Standard Deviation	0.36	0.54
Ratio: Return / Deepest Drawdown	0.11	0.22
Metrics calculated over the period 1 February 2016 - 31 January 2026

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	Total Bond US	High Yield Bonds Income
Author		The Lazy Team
ASSET ALLOCATION
Stocks	0%	0%
Fixed Income	100%	100%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	4.01	6.37
Infl. Adjusted (%)	1.46	3.76
DRAWDOWN
Deepest Drawdown Depth (%)	-17.28	-23.97
Start to Recovery (months)	66*	21
Longest Drawdown Depth (%)	-17.28	-21.84
Start to Recovery (months)	66*	46
Longest Negative Period (months)	90	65
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	4.22	8.79
Sharpe Ratio	0.42	0.47
Sortino Ratio	0.58	0.63
Ulcer Index	4.07	5.14
Ratio: Return / Standard Deviation	0.95	0.73
Ratio: Return / Deepest Drawdown	0.23	0.27
Metrics calculated over the period 1 February 1996 - 31 January 2026

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	Total Bond US	High Yield Bonds Income
Author		The Lazy Team
ASSET ALLOCATION
Stocks	0%	0%
Fixed Income	100%	100%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.68	7.75
Infl. Adjusted (%)	2.81	4.83
DRAWDOWN
Deepest Drawdown Depth (%)	-17.28	-23.97
Start to Recovery (months)	66*	21
Longest Drawdown Depth (%)	-17.28	-21.84
Start to Recovery (months)	66*	46
Longest Negative Period (months)	90	65
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	4.51	8.09
Sharpe Ratio	0.55	0.57
Sortino Ratio	0.78	0.75
Ulcer Index	3.58	4.61
Ratio: Return / Standard Deviation	1.26	0.96
Ratio: Return / Deepest Drawdown	0.33	0.32
Metrics calculated over the period 1 January 1985 - 31 January 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 February 1996 - 31 January 2026 (30 years)

Period: 1 January 1985 - 31 January 2026 (~41 years)

30 Years
(1996/02 - 2026/01)

Chart Table

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Total Bond US			High Yield Bonds Income
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
			-23.97	21	Nov 2007 Jul 2009
			-21.84	46	Sep 2021 Jun 2025
-17.28	66*	Aug 2020 In progress
			-11.99	6	Feb 2020 Jul 2020
			-8.48	9	Aug 1998 Apr 1999
			-7.79	16	Mar 2015 Jun 2016
			-6.71	10	May 2013 Feb 2014
			-6.70	7	May 2002 Nov 2002
			-4.56	5	Apr 2004 Aug 2004
			-4.53	14	Jan 2018 Feb 2019
			-4.40	3	Aug 2011 Oct 2011
-4.01	13	May 2013 May 2014
			-3.93	5	Oct 2016 Feb 2017
			-3.91	3	Jul 2003 Sep 2003
-3.88	9	Apr 2008 Dec 2008

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Total Bond US			High Yield Bonds Income
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
			-23.97	21	Nov 2007 Jul 2009
			-21.84	46	Sep 2021 Jun 2025
-17.28	66*	Aug 2020 In progress
			-11.99	6	Feb 2020 Jul 2020
			-8.48	9	Aug 1998 Apr 1999
			-7.89	7	Aug 1990 Feb 1991
			-7.79	16	Mar 2015 Jun 2016
			-7.63	12	Mar 1987 Feb 1988
			-7.41	16	Feb 1994 May 1995
			-6.71	10	May 2013 Feb 2014
			-6.70	7	May 2002 Nov 2002
-5.86	11	Mar 1987 Jan 1988
-5.01	14	Feb 1994 Mar 1995
			-4.56	5	Apr 2004 Aug 2004
			-4.53	14	Jan 2018 Feb 2019

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 1985 - 31 January 2026 (~41 years)

Rolling Period:

Total Bond US
High Yield Bonds Income

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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	Total Bond US		High Yield Bonds Income
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	0.22	0.00	0.52	0.00
2025	7.08	-0.67	9.57	-1.72
2024	1.38	-3.08	4.87	-2.49
2023	5.41	-6.03	11.21	-5.59
2022	-13.11	-15.50	-16.88	-21.38
2021	-1.86	-3.64	0.88	-3.16
2020	7.71	-1.59	7.08	-11.99
2019	8.83	-0.57	16.98	-0.39
2018	-0.12	-2.57	-4.53	-4.53
2017	3.57	-0.60	8.78	-0.17
2016	2.52	-3.68	12.01	-3.93
2015	0.56	-2.67	-3.94	-6.90
2014	5.82	-0.57	6.28	-2.37
2013	-2.10	-4.01	-0.40	-6.71
2012	3.16	-0.88	12.61	-1.87
2011	7.92	-0.38	9.07	-4.40
2010	6.20	-1.70	11.52	-3.24
2009	3.64	-2.65	23.52	-10.62
2008	6.86	-3.88	-10.54	-23.59
2007	6.92	-1.16	3.36	-3.84
2006	4.27	-1.30	7.28	-2.69
2005	2.40	-1.90	5.61	-2.30
2004	4.24	-3.03	9.55	-4.56
2003	3.97	-3.47	18.30	-3.91
2002	8.26	-1.46	7.38	-6.70
2001	8.43	-1.91	10.89	-3.49
2000	11.39	-0.65	6.15	-3.14
1999	-0.76	-2.64	6.34	-3.60
1998	8.58	-0.55	2.17	-8.48
1997	9.44	-0.97	13.61	-2.54
1996	3.58	-3.16	14.28	-2.87
1995	18.18	-0.25	22.64	-0.20
1994	-2.66	-5.01	-4.27	-7.41
1993	9.68	-0.97	18.58	-0.44
1992	7.14	-1.39	12.00	-2.11
1991	15.25	-0.06	25.88	0.00
1990	8.65	-1.97	-0.59	-7.89
1989	13.64	-1.60	8.29	-0.68
1988	7.35	-2.64	11.12	-1.52
1987	1.54	-5.86	0.07	-7.63
1986	15.10	-2.05	15.01	-0.64
1985	22.24	-2.00	21.64	-1.39

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Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Jan 31, 2026

Portfolio Metrics as of Jan 31, 2026

Drawdowns

Rolling Returns

Yearly Returns