Vanguard LifeStrategy Moderate Growth Portfolio vs Tim Maurer Simple Money Portfolio Portfolio Comparison

Simulation Settings

Period: January 1985 - May 2025 (~40 years)
Consolidated Returns as of 31 May 2025

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

(Change Settings)

Results

30 Years
(1995/06 - 2025/05)

All Data
(1985/01 - 2025/05)

Inflation Adjusted:

Vanguard LifeStrategy Moderate Growth Portfolio

1.00$
Invested Capital
June 1995
8.16$
Final Capital
May 2025
7.25%
Yearly Return
9.56%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
June 1995
3.87$
Final Capital
May 2025
4.62%
Yearly Return
9.56%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
January 1985
30.83$
Final Capital
May 2025
8.85%
Yearly Return
9.58%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
January 1985
10.14$
Final Capital
May 2025
5.90%
Yearly Return
9.58%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period

Tim Maurer Simple Money Portfolio

1.00$
Invested Capital
June 1995
8.09$
Final Capital
May 2025
7.22%
Yearly Return
9.16%
Std Deviation
-32.39%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
June 1995
3.84$
Final Capital
May 2025
4.58%
Yearly Return
9.16%
Std Deviation
-33.50%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
January 1985
33.74$
Final Capital
May 2025
9.10%
Yearly Return
9.45%
Std Deviation
-32.39%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
January 1985
11.10$
Final Capital
May 2025
6.14%
Yearly Return
9.45%
Std Deviation
-33.50%
Max Drawdown
40months
Recovery Period

As of May 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.25% compound annual return, with a 9.56% standard deviation. It suffered a maximum drawdown of -33.52% that required 36 months to be recovered.

As of May 2025, in the previous 30 Years, the Tim Maurer Simple Money Portfolio obtained a 7.22% compound annual return, with a 9.16% standard deviation. It suffered a maximum drawdown of -32.39% that required 36 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.

Vanguard LifeStrategy Moderate Growth Portfolio

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

Tim Maurer Simple Money Portfolio

Weight (%)	Ticker	Name
15.00	SCZ	iShares MSCI EAFE Small-Cap
15.00	EFV	iShares MSCI EAFE Value
7.50	IJR	iShares Core S&P Small-Cap
7.50	IJS	iShares S&P Small-Cap 600 Value
7.50	VTV	Vanguard Value
7.50	VV	Vanguard Large-Cap
40.00	IEI	iShares 3-7 Year Treasury Bond

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Portfolio Returns as of May 31, 2025

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
(1995/06 - 2025/05)

All Data
(1985/01 - 2025/05)

Inflation Adjusted:

Swipe left to see all data

	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
LifeStrategy Moderate Growth Vanguard	1 $	8.16 $	716.41%	7.25%
Simple Money Portfolio Tim Maurer	1 $	8.09 $	708.88%	7.22%
	Jun 1995	May 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
LifeStrategy Moderate Growth Vanguard	1 $	3.87 $	287.25%	4.62%
Simple Money Portfolio Tim Maurer	1 $	3.84 $	283.67%	4.58%
	Jun 1995	May 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
LifeStrategy Moderate Growth Vanguard	1 $	30.83 $	2 983.37%	8.85%
Simple Money Portfolio Tim Maurer	1 $	33.74 $	3 273.72%	9.10%
	Jan 1985	May 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
LifeStrategy Moderate Growth Vanguard	1 $	10.14 $	914.45%	5.90%
Simple Money Portfolio Tim Maurer	1 $	11.10 $	1 009.97%	6.14%
	Jan 1985	May 2025

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		Return (%) as of May 31, 2025
		YTD (5M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~40Y)
	LifeStrategy Moderate Growth Vanguard	4.38	3.11	1.94	10.47	7.79	6.58	7.25	8.85
	Simple Money Portfolio Tim Maurer	5.74	2.70	2.48	9.05	7.21	5.28	7.22	9.10
Returns over 1 year are annualized.

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Portfolio Metrics as of May 31, 2025

The following metrics, updated as of 31 May 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 June 2024 - 31 May 2025 (1 year)

Period: 1 June 2020 - 31 May 2025 (5 years)

Period: 1 June 2015 - 31 May 2025 (10 years)

Period: 1 June 1995 - 31 May 2025 (30 years)

Period: 1 January 1985 - 31 May 2025 (~40 years)

1 Year

5 Years

10 Years

30 Years

All (1985/01 - 2025/05)

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	LifeStrategy Moderate Growth	Simple Money Portfolio
Author	Vanguard	Tim Maurer
ASSET ALLOCATION
Stocks	60%	60%
Fixed Income	40%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	10.47	9.05
Infl. Adjusted (%)	7.90	6.52
DRAWDOWN
Deepest Drawdown Depth (%)	-2.34	-3.22
Start to Recovery (months)	3	8
Longest Drawdown Depth (%)	-2.34	-3.22
Start to Recovery (months)	3	8
Longest Negative Period (months)	7	7
RISK INDICATORS
Standard Deviation (%)	6.58	7.55
Sharpe Ratio	0.88	0.58
Sortino Ratio	1.09	0.76
Ulcer Index	1.12	1.32
Ratio: Return / Standard Deviation	1.59	1.20
Ratio: Return / Deepest Drawdown	4.47	2.81
Metrics calculated over the period 1 June 2024 - 31 May 2025

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	LifeStrategy Moderate Growth	Simple Money Portfolio
Author	Vanguard	Tim Maurer
ASSET ALLOCATION
Stocks	60%	60%
Fixed Income	40%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	7.79	7.21
Infl. Adjusted (%)	3.03	2.48
DRAWDOWN
Deepest Drawdown Depth (%)	-20.84	-18.44
Start to Recovery (months)	27	31
Longest Drawdown Depth (%)	-20.84	-18.44
Start to Recovery (months)	27	31
Longest Negative Period (months)	35	35
RISK INDICATORS
Standard Deviation (%)	10.84	10.62
Sharpe Ratio	0.48	0.43
Sortino Ratio	0.65	0.61
Ulcer Index	7.46	5.91
Ratio: Return / Standard Deviation	0.72	0.68
Ratio: Return / Deepest Drawdown	0.37	0.39
Metrics calculated over the period 1 June 2020 - 31 May 2025

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	LifeStrategy Moderate Growth	Simple Money Portfolio
Author	Vanguard	Tim Maurer
ASSET ALLOCATION
Stocks	60%	60%
Fixed Income	40%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	6.58	5.28
Infl. Adjusted (%)	3.40	2.14
DRAWDOWN
Deepest Drawdown Depth (%)	-20.84	-18.44
Start to Recovery (months)	27	31
Longest Drawdown Depth (%)	-20.84	-18.44
Start to Recovery (months)	27	31
Longest Negative Period (months)	35	35
RISK INDICATORS
Standard Deviation (%)	9.91	9.67
Sharpe Ratio	0.48	0.36
Sortino Ratio	0.64	0.49
Ulcer Index	5.76	4.99
Ratio: Return / Standard Deviation	0.66	0.55
Ratio: Return / Deepest Drawdown	0.32	0.29
Metrics calculated over the period 1 June 2015 - 31 May 2025

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	LifeStrategy Moderate Growth	Simple Money Portfolio
Author	Vanguard	Tim Maurer
ASSET ALLOCATION
Stocks	60%	60%
Fixed Income	40%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	7.25	7.22
Infl. Adjusted (%)	4.62	4.58
DRAWDOWN
Deepest Drawdown Depth (%)	-33.52	-32.39
Start to Recovery (months)	36	36
Longest Drawdown Depth (%)	-20.87	-32.39
Start to Recovery (months)	45	36
Longest Negative Period (months)	61	52
RISK INDICATORS
Standard Deviation (%)	9.56	9.16
Sharpe Ratio	0.52	0.54
Sortino Ratio	0.68	0.71
Ulcer Index	7.17	5.67
Ratio: Return / Standard Deviation	0.76	0.79
Ratio: Return / Deepest Drawdown	0.22	0.22
Metrics calculated over the period 1 June 1995 - 31 May 2025

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	LifeStrategy Moderate Growth	Simple Money Portfolio
Author	Vanguard	Tim Maurer
ASSET ALLOCATION
Stocks	60%	60%
Fixed Income	40%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.85	9.10
Infl. Adjusted (%)	5.90	6.14
DRAWDOWN
Deepest Drawdown Depth (%)	-33.52	-32.39
Start to Recovery (months)	36	36
Longest Drawdown Depth (%)	-20.87	-32.39
Start to Recovery (months)	45	36
Longest Negative Period (months)	61	52
RISK INDICATORS
Standard Deviation (%)	9.58	9.45
Sharpe Ratio	0.59	0.63
Sortino Ratio	0.78	0.83
Ulcer Index	6.41	5.25
Ratio: Return / Standard Deviation	0.92	0.96
Ratio: Return / Deepest Drawdown	0.26	0.28
Metrics calculated over the period 1 January 1985 - 31 May 2025

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 June 1995 - 31 May 2025 (30 years)

Period: 1 January 1985 - 31 May 2025 (~40 years)

30 Years
(1995/06 - 2025/05)

Chart Table

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LifeStrategy Moderate Growth			Simple Money Portfolio
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-33.52	36	Nov 2007 Oct 2010
			-32.39	36	Nov 2007 Oct 2010
-20.87	45	Apr 2000 Dec 2003
-20.84	27	Jan 2022 Mar 2024
			-18.44	31	Sep 2021 Mar 2024
			-14.55	11	Jan 2020 Nov 2020
-12.56	7	Jan 2020 Jul 2020
			-11.27	11	May 2011 Mar 2012
-11.06	10	May 2011 Feb 2012
			-9.50	8	May 1998 Dec 1998
			-8.98	12	Jun 2002 May 2003
-8.89	5	Jul 1998 Nov 1998
			-8.67	10	Sep 2018 Jun 2019
-7.60	14	Feb 2018 Mar 2019
-7.06	14	Jun 2015 Jul 2016

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LifeStrategy Moderate Growth			Simple Money Portfolio
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-33.52	36	Nov 2007 Oct 2010
			-32.39	36	Nov 2007 Oct 2010
-20.87	45	Apr 2000 Dec 2003
-20.84	27	Jan 2022 Mar 2024
			-18.44	31	Sep 2021 Mar 2024
			-17.06	13	Sep 1987 Sep 1988
-14.69	14	Sep 1987 Oct 1988
			-14.55	11	Jan 2020 Nov 2020
-12.56	7	Jan 2020 Jul 2020
			-11.99	14	Jan 1990 Feb 1991
-11.27	14	Jan 1990 Feb 1991
			-11.27	11	May 2011 Mar 2012
-11.06	10	May 2011 Feb 2012
			-9.50	8	May 1998 Dec 1998
			-8.98	12	Jun 2002 May 2003

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 May 2025 (~40 years)

Rolling Period:

LifeStrategy Moderate Growth
Simple Money Portfolio

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		Simple Money Portfolio
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2025	4.38	-2.11	5.74	-0.67
2024	10.72	-3.05	6.04	-3.22
2023	15.75	-7.49	11.53	-7.51
2022	-15.97	-20.84	-11.48	-18.42
2021	10.43	-2.95	10.46	-2.79
2020	12.96	-12.56	6.87	-14.55
2019	19.70	-3.22	16.14	-3.66
2018	-4.98	-7.60	-6.64	-8.67
2017	15.50	0.00	13.36	-0.06
2016	7.06	-3.07	8.15	-3.04
2015	-0.72	-6.65	0.47	-5.71
2014	6.10	-2.10	2.33	-3.17
2013	14.76	-2.66	17.81	-2.16
2012	12.49	-5.08	11.70	-5.80
2011	0.23	-11.06	-0.69	-11.27
2010	11.87	-6.75	12.55	-7.06
2009	22.28	-12.11	17.16	-14.10
2008	-22.10	-25.50	-18.42	-21.26
2007	8.20	-2.89	5.07	-3.51
2006	13.59	-2.35	15.49	-2.64
2005	7.28	-2.18	8.71	-2.47
2004	11.52	-2.39	16.23	-3.15
2003	22.34	-2.55	28.83	-2.44
2002	-7.56	-12.50	-0.10	-8.98
2001	-5.13	-12.36	-0.39	-6.83
2000	-3.26	-7.36	6.34	-2.93
1999	15.58	-2.55	8.40	-3.42
1998	16.58	-8.89	10.11	-9.50
1997	13.04	-3.76	8.93	-2.66
1996	10.23	-2.46	8.40	-2.89
1995	21.48	-0.41	20.10	-0.83
1994	0.66	-4.62	-1.91	-6.44
1993	15.69	-3.38	18.40	-1.79
1992	3.16	-4.08	9.26	-1.70
1991	20.78	-3.35	19.48	-3.59
1990	-4.85	-11.27	-6.46	-11.99
1989	18.36	-1.05	18.70	-1.68
1988	15.51	-2.43	17.54	-1.71
1987	9.10	-14.69	9.10	-17.06
1986	26.65	-3.93	29.42	-4.06
1985	32.63	-1.51	35.92	-1.27

Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of May 31, 2025

Portfolio Metrics as of May 31, 2025

Drawdowns

Rolling Returns

Yearly Returns