Vanguard LifeStrategy Moderate Growth Portfolio vs Bob Clyatt Sandwich 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:
Vanguard LifeStrategy Moderate Growth Portfolio
1.00$
Invested Capital
July 1995
8.36$
Final Capital
June 2025
7.33%
Yearly Return
9.58%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
July 1995
3.97$
Final Capital
June 2025
4.70%
Yearly Return
9.58%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
31.83$
Final Capital
June 2025
8.92%
Yearly Return
9.58%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
10.47$
Final Capital
June 2025
5.97%
Yearly Return
9.58%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
Bob Clyatt Sandwich Portfolio
1.00$
Invested Capital
July 1995
8.23$
Final Capital
June 2025
7.28%
Yearly Return
8.33%
Std Deviation
-28.96%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
July 1995
3.91$
Final Capital
June 2025
4.65%
Yearly Return
8.33%
Std Deviation
-30.13%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
31.87$
Final Capital
June 2025
8.92%
Yearly Return
8.65%
Std Deviation
-28.96%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
January 1985
10.49$
Final Capital
June 2025
5.97%
Yearly Return
8.65%
Std Deviation
-30.13%
Max Drawdown
36months
Recovery Period

As of June 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.33% compound annual return, with a 9.58% standard deviation. It suffered a maximum drawdown of -33.52% that required 36 months to be recovered.

As of June 2025, in the previous 30 Years, the Bob Clyatt Sandwich Portfolio obtained a 7.28% compound annual return, with a 8.33% standard deviation. It suffered a maximum drawdown of -28.96% that required 30 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.

Weight
(%)
Ticker Name
36.00
VTI
Vanguard Total Stock Market
24.00
VEU
Vanguard FTSE All-World ex-US
28.00
BND
Vanguard Total Bond Market
12.00
BNDX
Vanguard Total International Bond
Weight
(%)
Ticker Name
20.00
VV
Vanguard Large-Cap
10.00
SCZ
iShares MSCI EAFE Small-Cap
8.00
IJR
iShares Core S&P Small-Cap
6.00
EEM
iShares MSCI Emerging Markets
6.00
VEU
Vanguard FTSE All-World ex-US
5.00
VNQ
Vanguard Real Estate
41.00
IEI
iShares 3-7 Year Treasury Bond
4.00
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
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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 (%)
Vanguard LifeStrategy Moderate Growth
Vanguard
1 $ 8.36 $ 735.64% 7.33%
Bob Clyatt Sandwich Portfolio
Bob Clyatt
1 $ 8.23 $ 723.00% 7.28%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard
1 $ 3.97 $ 297.15% 4.70%
Bob Clyatt Sandwich Portfolio
Bob Clyatt
1 $ 3.91 $ 291.14% 4.65%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard
1 $ 31.83 $ 3 083.18% 8.92%
Bob Clyatt Sandwich Portfolio
Bob Clyatt
1 $ 31.87 $ 3 087.16% 8.92%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard
1 $ 10.47 $ 947.29% 5.97%
Bob Clyatt Sandwich Portfolio
Bob Clyatt
1 $ 10.49 $ 948.60% 5.97%

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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_vanguard.webp LifeStrategy Moderate Growth
Vanguard
7.76 3.24 7.76 12.54 8.05 7.11 7.33 8.92
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_bob_clyatt.webp Sandwich Portfolio
Bob Clyatt
7.20 2.99 7.20 11.46 6.55 5.90 7.28 8.92
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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LifeStrategy Moderate Growth Sandwich Portfolio
Author Vanguard Bob Clyatt
ASSET ALLOCATION
Stocks 60% 55%
Fixed Income 40% 45%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.54 11.46
Infl. Adjusted (%) 9.87 8.81
DRAWDOWN
Deepest Drawdown Depth (%) -2.34 -2.54
Start to Recovery (months) 3 6
Longest Drawdown Depth (%) -2.34 -2.54
Start to Recovery (months) 3 6
Longest Negative Period (months) 7 7
RISK INDICATORS
Standard Deviation (%) 6.96 6.71
Sharpe Ratio 1.14 1.02
Sortino Ratio 1.42 1.27
Ulcer Index 1.12 1.16
Ratio: Return / Standard Deviation 1.80 1.71
Ratio: Return / Deepest Drawdown 5.36 4.52
Metrics calculated over the period 1 July 2024 - 30 June 2025
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LifeStrategy Moderate Growth Sandwich Portfolio
Author Vanguard Bob Clyatt
ASSET ALLOCATION
Stocks 60% 55%
Fixed Income 40% 45%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.05 6.55
Infl. Adjusted (%) 3.37 1.94
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -19.10
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -20.84 -19.10
Start to Recovery (months) 27 31
Longest Negative Period (months) 35 36
RISK INDICATORS
Standard Deviation (%) 10.88 9.73
Sharpe Ratio 0.49 0.40
Sortino Ratio 0.67 0.54
Ulcer Index 7.46 7.24
Ratio: Return / Standard Deviation 0.74 0.67
Ratio: Return / Deepest Drawdown 0.39 0.34
Metrics calculated over the period 1 July 2020 - 30 June 2025
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LifeStrategy Moderate Growth Sandwich Portfolio
Author Vanguard Bob Clyatt
ASSET ALLOCATION
Stocks 60% 55%
Fixed Income 40% 45%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.11 5.90
Infl. Adjusted (%) 3.95 2.78
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -19.10
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -20.84 -19.10
Start to Recovery (months) 27 31
Longest Negative Period (months) 35 36
RISK INDICATORS
Standard Deviation (%) 9.92 8.68
Sharpe Ratio 0.53 0.47
Sortino Ratio 0.71 0.63
Ulcer Index 5.71 5.46
Ratio: Return / Standard Deviation 0.72 0.68
Ratio: Return / Deepest Drawdown 0.34 0.31
Metrics calculated over the period 1 July 2015 - 30 June 2025
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LifeStrategy Moderate Growth Sandwich Portfolio
Author Vanguard Bob Clyatt
ASSET ALLOCATION
Stocks 60% 55%
Fixed Income 40% 45%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.33 7.28
Infl. Adjusted (%) 4.70 4.65
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -28.96
Start to Recovery (months) 36 30
Longest Drawdown Depth (%) -20.87 -19.10
Start to Recovery (months) 45 31
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.58 8.33
Sharpe Ratio 0.53 0.60
Sortino Ratio 0.69 0.79
Ulcer Index 7.17 5.20
Ratio: Return / Standard Deviation 0.77 0.87
Ratio: Return / Deepest Drawdown 0.22 0.25
Metrics calculated over the period 1 July 1995 - 30 June 2025
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LifeStrategy Moderate Growth Sandwich Portfolio
Author Vanguard Bob Clyatt
ASSET ALLOCATION
Stocks 60% 55%
Fixed Income 40% 45%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.92 8.92
Infl. Adjusted (%) 5.97 5.97
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -28.96
Start to Recovery (months) 36 30
Longest Drawdown Depth (%) -20.87 -19.10
Start to Recovery (months) 45 31
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.58 8.65
Sharpe Ratio 0.60 0.67
Sortino Ratio 0.79 0.88
Ulcer Index 6.41 4.84
Ratio: Return / Standard Deviation 0.93 1.03
Ratio: Return / Deepest Drawdown 0.27 0.31
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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LifeStrategy Moderate Growth Sandwich Portfolio
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-33.52 36 Nov 2007
Oct 2010
-28.96 30 Nov 2007
Apr 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-19.10 31 Jan 2022
Jul 2024
-12.56 7 Jan 2020
Jul 2020
-11.06 10 May 2011
Feb 2012
-10.75 7 Jan 2020
Jul 2020
-9.56 10 May 2011
Feb 2012
-9.04 7 May 1998
Nov 1998
-8.89 5 Jul 1998
Nov 1998
-7.60 14 Feb 2018
Mar 2019
-7.14 8 Sep 2018
Apr 2019
-7.06 14 Jun 2015
Jul 2016
-6.93 15 Feb 2001
Apr 2002

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LifeStrategy Moderate Growth Sandwich Portfolio
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-33.52 36 Nov 2007
Oct 2010
-28.96 30 Nov 2007
Apr 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-19.10 31 Jan 2022
Jul 2024
-15.85 16 Sep 1987
Dec 1988
-14.69 14 Sep 1987
Oct 1988
-12.56 7 Jan 2020
Jul 2020
-11.27 14 Jan 1990
Feb 1991
-11.06 10 May 2011
Feb 2012
-10.75 7 Jan 2020
Jul 2020
-10.22 7 Aug 1990
Feb 1991
-9.56 10 May 2011
Feb 2012
-9.04 7 May 1998
Nov 1998
-8.89 5 Jul 1998
Nov 1998

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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LifeStrategy Moderate Growth Sandwich Portfolio
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
7.76 -2.11 7.20 -1.31
2024
10.72 -3.05 7.81 -2.86
2023
15.75 -7.49 12.05 -7.10
2022
-15.97 -20.84 -14.72 -19.10
2021
10.43 -2.95 9.88 -2.74
2020
12.96 -12.56 10.59 -10.75
2019
19.70 -3.22 16.81 -2.79
2018
-4.98 -7.60 -4.77 -7.14
2017
15.50 0.00 13.38 0.00
2016
7.06 -3.07 6.63 -2.20
2015
-0.72 -6.65 0.48 -4.93
2014
6.10 -2.10 4.84 -2.58
2013
14.76 -2.66 12.69 -2.58
2012
12.49 -5.08 10.59 -4.32
2011
0.23 -11.06 0.70 -9.56
2010
11.87 -6.75 13.17 -5.67
2009
22.28 -12.11 19.04 -11.95
2008
-22.10 -25.50 -16.79 -19.50
2007
8.20 -2.89 7.88 -3.03
2006
13.59 -2.35 13.86 -2.63
2005
7.28 -2.18 8.69 -1.97
2004
11.52 -2.39 13.13 -3.88
2003
22.34 -2.55 24.10 -1.44
2002
-7.56 -12.50 -0.29 -6.62
2001
-5.13 -12.36 0.13 -6.93
2000
-3.26 -7.36 2.38 -4.69
1999
15.58 -2.55 12.00 -2.74
1998
16.58 -8.89 9.62 -9.04
1997
13.04 -3.76 10.10 -3.38
1996
10.23 -2.46 10.04 -2.63
1995
21.48 -0.41 19.39 -0.52
1994
0.66 -4.62 -2.75 -6.91
1993
15.69 -3.38 20.08 -2.13
1992
3.16 -4.08 6.13 -1.86
1991
20.78 -3.35 26.12 -3.31
1990
-4.85 -11.27 -2.55 -10.22
1989
18.36 -1.05 23.52 -0.93
1988
15.51 -2.43 14.83 -2.22
1987
9.10 -14.69 2.90 -15.85
1986
26.65 -3.93 22.03 -4.12
1985
32.63 -1.51 29.14 -1.30
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