US Inflation Protection Portfolio vs Vanguard LifeStrategy Income Fund Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - June 2025 (~41 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1985/01 - 2025/06)
Inflation Adjusted:
US Inflation Protection Portfolio
1.00$
Invested Capital
July 1995
4.29$
Final Capital
June 2025
4.98%
Yearly Return
5.86%
Std Deviation
-14.76%
Max Drawdown
42months*
Recovery Period
* in progress
1.00$
Invested Capital
July 1995
2.04$
Final Capital
June 2025
2.41%
Yearly Return
5.86%
Std Deviation
-23.54%
Max Drawdown
47months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
13.53$
Final Capital
June 2025
6.64%
Yearly Return
6.57%
Std Deviation
-14.76%
Max Drawdown
42months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
4.45$
Final Capital
June 2025
3.76%
Yearly Return
6.57%
Std Deviation
-23.54%
Max Drawdown
47months*
Recovery Period
* in progress
Vanguard LifeStrategy Income Fund Portfolio
1.00$
Invested Capital
July 1995
4.98$
Final Capital
June 2025
5.50%
Yearly Return
4.80%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
July 1995
2.37$
Final Capital
June 2025
2.91%
Yearly Return
4.80%
Std Deviation
-24.95%
Max Drawdown
54months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
15.77$
Final Capital
June 2025
7.05%
Yearly Return
5.13%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
January 1985
5.19$
Final Capital
June 2025
4.15%
Yearly Return
5.13%
Std Deviation
-24.95%
Max Drawdown
54months*
Recovery Period
* in progress

As of June 2025, in the previous 30 Years, the US Inflation Protection Portfolio obtained a 4.98% compound annual return, with a 5.86% standard deviation. It suffered a maximum drawdown of -14.76% which has been ongoing for 42 months and is still in progress.

As of June 2025, in the previous 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.50% compound annual return, with a 4.80% standard deviation. It suffered a maximum drawdown of -16.61% that required 37 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.

US Inflation Protection Portfolio
Weight
(%)		 Ticker Name
100.00
TIP
iShares TIPS Bond
Vanguard LifeStrategy Income Fund Portfolio
Weight
(%)		 Ticker Name
12.00
VTI
Vanguard Total Stock Market
8.00
VEU
Vanguard FTSE All-World ex-US
56.00
BND
Vanguard Total Bond Market
24.00
BNDX
Vanguard Total International 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
(1985/01 - 2025/06)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Inflation Protection
 1 $ 4.29 $ 329.44% 4.98%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 4.98 $ 397.93% 5.50%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Inflation Protection
 1 $ 2.04 $ 104.10% 2.41%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 2.37 $ 136.65% 2.91%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Inflation Protection
 1 $ 13.53 $ 1 252.94% 6.64%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 15.77 $ 1 476.57% 7.05%
Jan 1985 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Inflation Protection
 1 $ 4.45 $ 345.12% 3.76%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 5.19 $ 418.70% 4.15%
Jan 1985 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Inflation Protection
-- Market Benchmark 		4.71 0.94 4.71 5.65 1.07 2.37 4.98 6.64
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Income Fund
Vanguard 		4.88 1.87 4.88 8.28 2.29 3.67 5.50 7.05
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 1985 - 30 June 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/06)
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US Inflation Protection LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.65 8.28
Infl. Adjusted (%) 3.14 5.71
DRAWDOWN
Deepest Drawdown Depth (%) -3.05 -2.00
Start to Recovery (months) 5 5
Longest Drawdown Depth (%) -3.05 -2.00
Start to Recovery (months) 5 5
Longest Negative Period (months) 5 6
RISK INDICATORS
Standard Deviation (%) 4.26 4.76
Sharpe Ratio 0.24 0.76
Sortino Ratio 0.30 0.92
Ulcer Index 1.17 0.85
Ratio: Return / Standard Deviation 1.33 1.74
Ratio: Return / Deepest Drawdown 1.85 4.14
Metrics calculated over the period 1 July 2024 - 30 June 2025
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US Inflation Protection LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.07 2.29
Infl. Adjusted (%) -3.30 -2.14
DRAWDOWN
Deepest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Negative Period (months) 54 45
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.30 7.15
Sharpe Ratio -0.25 -0.05
Sortino Ratio -0.33 -0.07
Ulcer Index 7.99 7.28
Ratio: Return / Standard Deviation 0.17 0.32
Ratio: Return / Deepest Drawdown 0.07 0.14
Metrics calculated over the period 1 July 2020 - 30 June 2025
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US Inflation Protection LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.37 3.67
Infl. Adjusted (%) -0.65 0.61
DRAWDOWN
Deepest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Negative Period (months) 54 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.12 5.80
Sharpe Ratio 0.11 0.32
Sortino Ratio 0.14 0.43
Ulcer Index 5.72 5.22
Ratio: Return / Standard Deviation 0.46 0.63
Ratio: Return / Deepest Drawdown 0.16 0.22
Metrics calculated over the period 1 July 2015 - 30 June 2025
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US Inflation Protection LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.98 5.50
Infl. Adjusted (%) 2.41 2.91
DRAWDOWN
Deepest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Drawdown Depth (%) -9.24 -16.61
Start to Recovery (months) 76 37
Longest Negative Period (months) 77 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.86 4.80
Sharpe Ratio 0.46 0.67
Sortino Ratio 0.62 0.90
Ulcer Index 4.22 3.31
Ratio: Return / Standard Deviation 0.85 1.14
Ratio: Return / Deepest Drawdown 0.34 0.33
Metrics calculated over the period 1 July 1995 - 30 June 2025
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US Inflation Protection LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.64 7.05
Infl. Adjusted (%) 3.76 4.15
DRAWDOWN
Deepest Drawdown Depth (%) -14.76 -16.61
Start to Recovery (months) 42* 37
Longest Drawdown Depth (%) -9.24 -16.61
Start to Recovery (months) 76 37
Longest Negative Period (months) 77 52
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.57 5.13
Sharpe Ratio 0.53 0.76
Sortino Ratio 0.74 1.04
Ulcer Index 4.02 2.99
Ratio: Return / Standard Deviation 1.01 1.37
Ratio: Return / Deepest Drawdown 0.45 0.42
Metrics calculated over the period 1 January 1985 - 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 1985 - 30 June 2025 (~41 years)
30 Years
(1995/07 - 2025/06)

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US Inflation Protection LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.61 37 Sep 2021
Sep 2024
-14.76 42* Jan 2022
In progress
-11.79 13 Sep 2008
Sep 2009
-10.54 15 May 2008
Jul 2009
-9.24 76 Dec 2012
Mar 2019
-6.47 9 Feb 1996
Oct 1996
-5.32 14 Feb 1999
Mar 2000
-5.32 7 Jun 2003
Dec 2003
-4.82 5 Apr 2004
Aug 2004
-4.47 4 Feb 2020
May 2020
-4.37 7 Dec 1996
Jun 1997
-3.37 6 Nov 2001
Apr 2002
-3.36 6 May 2013
Oct 2013
-3.05 6 Nov 2010
Apr 2011
-2.75 3 Oct 2002
Dec 2002

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US Inflation Protection LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.61 37 Sep 2021
Sep 2024
-14.76 42* Jan 2022
In progress
-11.79 13 Sep 2008
Sep 2009
-10.68 16 Feb 1994
May 1995
-10.54 15 May 2008
Jul 2009
-9.45 11 Mar 1987
Jan 1988
-9.24 76 Dec 2012
Mar 2019
-6.47 9 Feb 1996
Oct 1996
-5.45 15 Feb 1994
Apr 1995
-5.32 14 Feb 1999
Mar 2000
-5.32 7 Jun 2003
Dec 2003
-4.82 5 Apr 2004
Aug 2004
-4.70 7 Mar 1988
Sep 1988
-4.47 5 Sep 1987
Jan 1988
-4.47 4 Feb 2020
May 2020

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 - 30 June 2025 (~41 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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US Inflation Protection LifeStrategy Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.71 -0.63 4.88 -0.93
2024
 1.65 -3.05 4.93 -2.43
2023
 3.27 -5.35 9.53 -5.05
2022
 -13.10 -14.74 -14.00 -16.30
2021
 5.67 -1.95 2.15 -1.71
2020
 10.84 -1.76 8.85 -4.47
2019
 8.35 -1.14 12.26 -0.05
2018
 -1.42 -2.47 -1.15 -2.37
2017
 2.92 -0.91 7.31 0.00
2016
 4.68 -2.64 4.45 -2.58
2015
 -1.75 -4.83 0.26 -2.43
2014
 3.59 -2.59 6.50 -0.99
2013
 -8.49 -9.10 3.78 -3.36
2012
 6.39 -1.43 7.54 -1.14
2011
 13.28 -0.01 5.49 -1.55
2010
 6.14 -3.05 8.55 -1.00
2009
 8.94 -2.24 12.18 -5.19
2008
 0.04 -11.79 -4.64 -10.54
2007
 11.92 -1.52 6.96 -0.49
2006
 0.28 -2.37 7.11 -0.79
2005
 2.49 -2.47 4.54 -1.40
2004
 8.28 -4.82 7.04 -2.22
2003
 8.00 -5.32 10.09 -1.74
2002
 16.61 -2.75 3.19 -1.88
2001
 7.61 -3.37 4.39 -1.61
2000
 17.65 -0.84 6.07 -1.88
1999
 -4.47 -5.32 4.89 -1.98
1998
 9.27 -0.76 12.95 -1.57
1997
 12.71 -2.48 7.78 -1.74
1996
 1.33 -6.47 6.01 -0.91
1995
 23.02 -0.42 19.89 0.00
1994
 -6.25 -10.68 -2.48 -5.45
1993
 15.75 -1.45 13.03 -1.55
1992
 8.74 -3.82 6.76 -2.36
1991
 18.60 -0.30 18.32 -1.28
1990
 8.20 -4.32 3.86 -4.35
1989
 15.77 -2.48 14.71 -1.34
1988
 6.51 -4.70 10.36 -1.32
1987
 -0.24 -9.45 4.45 -4.47
1986
 18.39 -4.18 19.21 -2.56
1985
 26.04 -3.65 26.25 -1.52
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