US Stocks Portfolio vs Stocks/Bonds 80/20 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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Results
30 Years
(1995/07 - 2025/06)
All Data
(1871/01 - 2025/06)
Inflation Adjusted:
US Stocks Portfolio
1.00$
Invested Capital
July 1995
19.25$
Final Capital
June 2025
10.36%
Yearly Return
15.66%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
July 1995
9.15$
Final Capital
June 2025
7.66%
Yearly Return
15.66%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1871
812.33 K$
Final Capital
June 2025
9.21%
Yearly Return
16.56%
Std Deviation
-84.60%
Max Drawdown
184months
Recovery Period
1.00$
Invested Capital
January 1871
31.61 K$
Final Capital
June 2025
6.94%
Yearly Return
16.56%
Std Deviation
-80.55%
Max Drawdown
90months
Recovery Period
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

As of June 2025, in the previous 30 Years, the US Stocks Portfolio obtained a 10.36% compound annual return, with a 15.66% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 months to be recovered.

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.

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 Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market
Stocks/Bonds 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VTI
Vanguard Total Stock Market
20.00
BND
Vanguard Total Bond Market
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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:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 19.25 $ 1 824.60% 10.36%
Stocks/Bonds 80/20
 1 $ 14.82 $ 1 381.94% 9.40%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 9.15 $ 814.70% 7.66%
Stocks/Bonds 80/20
 1 $ 7.04 $ 604.31% 6.72%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 812 328.66 $ 81 232 766.30% 9.21%
Stocks/Bonds 80/20
 1 $ 311 552.68 $ 31 155 167.57% 8.53%
Jan 1871 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 31 611.56 $ 3 161 056.34% 6.94%
Stocks/Bonds 80/20
 1 $ 12 123.99 $ 1 212 299.32% 6.28%
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 US Stocks
-- Market Benchmark 		5.56 5.16 5.56 15.08 15.87 12.90 10.36 9.21
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
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)
Swipe left to see all data
US Stocks Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks 100% 80%
Fixed Income 0% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 15.08 13.42
Infl. Adjusted (%) 12.35 10.73
DRAWDOWN
Deepest Drawdown Depth (%) -8.40 -6.49
Start to Recovery (months) 7 7
Longest Drawdown Depth (%) -8.40 -6.49
Start to Recovery (months) 7 7
Longest Negative Period (months) 8 8
RISK INDICATORS
Standard Deviation (%) 12.72 10.52
Sharpe Ratio 0.82 0.83
Sortino Ratio 1.12 1.13
Ulcer Index 3.41 2.69
Ratio: Return / Standard Deviation 1.19 1.28
Ratio: Return / Deepest Drawdown 1.79 2.07
Metrics calculated over the period 1 July 2024 - 30 June 2025
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US Stocks Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks 100% 80%
Fixed Income 0% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 15.87 12.57
Infl. Adjusted (%) 10.86 7.70
DRAWDOWN
Deepest Drawdown Depth (%) -24.81 -22.75
Start to Recovery (months) 24 25
Longest Drawdown Depth (%) -24.81 -22.75
Start to Recovery (months) 24 25
Longest Negative Period (months) 30 30
RISK INDICATORS
Standard Deviation (%) 16.49 14.01
Sharpe Ratio 0.80 0.71
Sortino Ratio 1.08 0.95
Ulcer Index 8.64 8.14
Ratio: Return / Standard Deviation 0.96 0.90
Ratio: Return / Deepest Drawdown 0.64 0.55
Metrics calculated over the period 1 July 2020 - 30 June 2025
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US Stocks Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks 100% 80%
Fixed Income 0% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.90 10.77
Infl. Adjusted (%) 9.57 7.50
DRAWDOWN
Deepest Drawdown Depth (%) -24.81 -22.75
Start to Recovery (months) 24 25
Longest Drawdown Depth (%) -24.81 -22.75
Start to Recovery (months) 24 25
Longest Negative Period (months) 30 30
RISK INDICATORS
Standard Deviation (%) 15.89 13.13
Sharpe Ratio 0.70 0.68
Sortino Ratio 0.93 0.90
Ulcer Index 7.03 6.37
Ratio: Return / Standard Deviation 0.81 0.82
Ratio: Return / Deepest Drawdown 0.52 0.47
Metrics calculated over the period 1 July 2015 - 30 June 2025
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US Stocks Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks 100% 80%
Fixed Income 0% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.36 9.40
Infl. Adjusted (%) 7.66 6.72
DRAWDOWN
Deepest Drawdown Depth (%) -50.84 -41.09
Start to Recovery (months) 53 39
Longest Drawdown Depth (%) -43.94 -33.33
Start to Recovery (months) 67 59
Longest Negative Period (months) 139 122
RISK INDICATORS
Standard Deviation (%) 15.66 12.59
Sharpe Ratio 0.52 0.57
Sortino Ratio 0.68 0.74
Ulcer Index 14.32 10.40
Ratio: Return / Standard Deviation 0.66 0.75
Ratio: Return / Deepest Drawdown 0.20 0.23
Metrics calculated over the period 1 July 1995 - 30 June 2025
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US Stocks Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks 100% 80%
Fixed Income 0% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.21 8.53
Infl. Adjusted (%) 6.94 6.28
DRAWDOWN
Deepest Drawdown Depth (%) -84.60 -75.27
Start to Recovery (months) 184 163
Longest Drawdown Depth (%) -84.60 -75.27
Start to Recovery (months) 184 163
Longest Negative Period (months) 188 166
RISK INDICATORS
Standard Deviation (%) 16.56 13.28
Sharpe Ratio 0.31 0.34
Sortino Ratio 0.44 0.47
Ulcer Index 17.80 13.04
Ratio: Return / Standard Deviation 0.56 0.64
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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US Stocks Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.84 53 Nov 2007
Mar 2012
-43.94 67 Sep 2000
Mar 2006
-41.09 39 Nov 2007
Jan 2011
-33.33 59 Sep 2000
Jul 2005
-24.81 24 Jan 2022
Dec 2023
-22.75 25 Jan 2022
Jan 2024
-20.84 7 Jan 2020
Jul 2020
-17.57 5 Jul 1998
Nov 1998
-16.53 6 Feb 2020
Jul 2020
-14.20 7 Oct 2018
Apr 2019
-13.95 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-11.32 7 Oct 2018
Apr 2019
-8.84 12 Jun 2015
May 2016
-8.44 5 Apr 2000
Aug 2000

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US Stocks Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-84.60 184 Sep 1929
Dec 1944
-75.27 163 Sep 1929
Mar 1943
-50.84 53 Nov 2007
Mar 2012
-45.86 48 Jan 1973
Dec 1976
-43.94 67 Sep 2000
Mar 2006
-41.09 39 Nov 2007
Jan 2011
-36.88 39 Jan 1973
Mar 1976
-34.11 35 Apr 1876
Feb 1879
-33.33 59 Sep 2000
Jul 2005
-30.27 26 Oct 1906
Nov 1908
-30.06 28 Dec 1968
Mar 1971
-29.34 21 Sep 1987
May 1989
-27.16 26 Oct 1902
Nov 1904
-26.86 55 Feb 1893
Aug 1897
-26.75 34 Apr 1876
Jan 1879

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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US Stocks Stocks/Bonds 80/20
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 5.56 -8.31 5.26 -6.18
2024
 23.81 -4.34 19.32 -3.99
2023
 26.05 -9.11 21.92 -8.32
2022
 -19.51 -24.81 -18.23 -22.75
2021
 25.67 -4.46 20.16 -3.88
2020
 21.03 -20.84 18.36 -16.53
2019
 30.67 -6.45 26.30 -4.97
2018
 -5.21 -14.20 -4.19 -11.32
2017
 21.21 0.00 17.68 0.00
2016
 12.83 -5.73 10.77 -4.34
2015
 0.36 -8.84 0.40 -7.05
2014
 12.54 -3.17 11.20 -2.23
2013
 33.45 -3.03 26.34 -2.66
2012
 16.45 -6.82 13.79 -5.21
2011
 0.97 -17.58 2.36 -13.35
2010
 17.42 -13.26 15.18 -10.23
2009
 28.89 -17.72 23.84 -14.71
2008
 -36.98 -38.08 -28.21 -30.13
2007
 5.37 -5.23 5.68 -4.17
2006
 15.69 -3.22 13.41 -2.63
2005
 6.31 -4.48 5.53 -3.41
2004
 12.79 -3.56 11.08 -2.95
2003
 30.75 -4.27 25.40 -3.13
2002
 -20.47 -27.18 -14.73 -20.47
2001
 -10.97 -23.65 -7.09 -17.69
2000
 -10.57 -15.87 -6.18 -12.05
1999
 23.81 -6.42 18.90 -5.12
1998
 23.26 -17.57 20.33 -13.95
1997
 30.99 -4.56 26.68 -3.85
1996
 20.96 -6.17 17.49 -4.78
1995
 35.79 -1.17 32.26 -0.70
1994
 -0.17 -7.43 -0.67 -6.95
1993
 10.62 -2.77 10.44 -2.06
1992
 9.11 -2.40 8.71 -2.02
1991
 32.39 -4.47 28.96 -3.69
1990
 -6.08 -16.20 -3.13 -12.23
1989
 28.12 -3.05 25.22 -2.00
1988
 17.32 -3.42 15.32 -2.84
1987
 2.61 -29.34 2.40 -24.55
1986
 14.57 -7.92 14.68 -6.76
1985
 31.27 -4.77 29.47 -3.45
1984
 2.19 -9.02 4.75 -7.80
1983
 22.66 -4.00 19.17 -3.09
1982
 20.50 -11.21 22.62 -7.08
1981
 -4.15 -12.79 -1.44 -10.81
1980
 33.15 -11.98 27.10 -10.71
1979
 24.25 -7.22 20.47 -6.94
1978
 8.45 -11.64 6.99 -9.83
1977
 -3.36 -8.29 -2.48 -6.59
1976
 26.47 -2.10 23.93 -1.62
1975
 37.82 -11.74 31.73 -10.05
1974
 -27.81 -34.15 -21.11 -27.27
1973
 -18.18 -19.22 -13.65 -14.55
1972
 17.62 -2.45 14.64 -1.96
1971
 17.63 -6.54 16.00 -6.14
1970
 4.79 -19.06 7.28 -14.57
1969
 -10.28 -11.24 -8.65 -9.37
1968
 13.39 -6.48 11.29 -4.08
1967
 27.39 -4.70 21.80 -3.81
1966
 -8.73 -14.78 -5.99 -12.18
1965
 14.20 -4.80 11.50 -3.73
1964
 16.40 -1.37 13.90 -1.08
1963
 21.15 -2.74 17.24 -2.26
1962
 -9.62 -22.67 -6.55 -17.65
1961
 26.94 -2.62 21.82 -2.35
1960
 0.92 -8.00 3.34 -5.42
1959
 12.78 -5.35 9.88 -4.67
1958
 44.81 -1.59 35.29 -1.18
1957
 -9.93 -14.61 -6.23 -10.37
1956
 8.51 -7.23 6.50 -6.18
1955
 25.72 -3.23 20.42 -2.50
1954
 50.59 -3.14 41.03 -2.67
1953
 0.66 -7.66 1.26 -6.31
1952
 13.62 -4.23 11.34 -3.17
1951
 20.75 -6.04 16.61 -5.01
1950
 30.33 -5.29 24.24 -4.40
1949
 19.97 -4.32 16.85 -3.37
1948
 2.36 -10.99 2.41 -8.79
1947
 3.84 -6.63 2.98 -5.12
1946
 -6.27 -20.85 -4.87 -17.16
1945
 38.22 -4.09 31.60 -3.21
1944
 21.23 -1.55 17.44 -1.24
1943
 27.90 -8.06 22.81 -6.71
1942
 16.72 -12.33 13.64 -9.90
1941
 -10.09 -12.94 -7.63 -10.69
1940
 -7.16 -23.05 -4.87 -18.76
1939
 2.33 -15.16 2.49 -11.80
1938
 28.38 -25.06 23.58 -20.31
1937
 -34.85 -38.63 -27.51 -31.04
1936
 33.65 -7.38 27.82 -5.96
1935
 46.29 -10.15 37.81 -7.62
1934
 2.31 -18.75 3.30 -14.20
1933
 57.18 -18.12 46.35 -15.62
1932
 -8.65 -44.97 -4.47 -35.31
1931
 -44.12 -52.60 -35.71 -43.75
1930
 -28.35 -39.08 -21.13 -31.14
1929
 -11.30 -34.31 -8.19 -28.19
1928
 38.68 -4.13 30.76 -3.44
1927
 33.33 -4.30 27.72 -3.53
1926
 11.46 -9.26 10.11 -7.22
1925
 25.78 -6.56 21.26 -5.26
1924
 27.03 -3.78 23.20 -2.70
1923
 5.38 -13.08 5.04 -10.37
1922
 29.04 -4.35 24.33 -3.61
1921
 10.09 -9.26 10.70 -7.08
1920
 -14.01 -15.38 -11.16 -12.22
1919
 19.62 -7.49 16.14 -6.23
1918
 18.16 -3.76 15.45 -2.95
1917
 -18.65 -18.65 -15.26 -15.26
1916
 8.05 -3.65 7.17 -2.83
1915
 31.16 -2.26 26.18 -1.80
1914
 -5.46 -20.24 -3.07 -15.69
1913
 -4.77 -8.74 -3.04 -6.45
1912
 7.12 -4.07 6.01 -3.29
1911
 3.47 -9.84 3.60 -7.84
1910
 -3.44 -11.27 -1.92 -8.66
1909
 16.09 -2.75 13.16 -2.11
1908
 39.43 -3.59 33.83 -2.66
1907
 -24.23 -28.45 -19.45 -22.50
1906
 0.60 -9.63 0.63 -7.84
1905
 21.23 -5.27 17.12 -4.36
1904
 32.12 -2.23 26.86 -1.84
1903
 -17.14 -25.30 -13.28 -20.02
1902
 8.21 -7.32 6.77 -6.04
1901
 19.40 -8.08 15.88 -6.66
1900
 20.75 -5.37 17.38 -4.20
1899
 3.64 -8.88 2.83 -7.28
1898
 29.23 -4.56 24.31 -4.46
1897
 20.31 -5.49 17.42 -4.24
1896
 3.20 -12.04 3.38 -10.33
1895
 4.95 -9.39 3.97 -8.19
1894
 3.58 -5.55 4.08 -4.26
1893
 -18.85 -26.86 -14.13 -21.64
1892
 6.08 -2.16 5.29 -1.86
1891
 18.83 -3.88 16.15 -3.45
1890
 -6.20 -13.89 -4.72 -10.81
1889
 7.03 -2.45 6.12 -1.97
1888
 3.28 -3.34 3.72 -2.84
1887
 -0.70 -9.45 -0.27 -7.87
1886
 11.92 -4.49 9.69 -3.72
1885
 29.98 -1.47 25.05 -1.30
1884
 -12.37 -13.99 -9.11 -11.70
1883
 -5.53 -7.10 -3.56 -5.29
1882
 3.58 -5.68 3.48 -4.68
1881
 0.18 -9.93 0.85 -8.18
1880
 26.50 -8.79 22.26 -7.02
1879
 49.29 -0.98 40.02 -0.88
1878
 16.25 -1.08 14.30 -0.73
1877
 -1.12 -19.66 -0.16 -15.24
1876
 -14.18 -18.03 -9.91 -13.58
1875
 5.35 -4.33 5.57 -2.81
1874
 4.67 -6.59 6.48 -4.60
1873
 -2.53 -15.75 -1.18 -13.40
1872
 11.12 -3.07 9.26 -2.91
1871
 15.59 -4.38 13.02 -3.74
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