Developed World ex-US 20/80 Portfolio vs Gyroscopic Investing Desert 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:

Developed World ex-US 20/80 Portfolio

1.00$
Invested Capital
February 1996
4.58$
Final Capital
January 2026
5.20%
Yearly Return
5.19%
Std Deviation
-16.80%
Max Drawdown
43months
Recovery Period

1.00$
Invested Capital
February 1996
2.17$
Final Capital
January 2026
2.62%
Yearly Return
5.19%
Std Deviation
-25.20%
Max Drawdown
61months*
Recovery Period
* in progress

1.00$
Invested Capital
January 1985
17.47$
Final Capital
January 2026
7.21%
Yearly Return
5.77%
Std Deviation
-16.80%
Max Drawdown
43months
Recovery Period

1.00$
Invested Capital
January 1985
5.65$
Final Capital
January 2026
4.31%
Yearly Return
5.77%
Std Deviation
-25.20%
Max Drawdown
61months*
Recovery Period
* in progress

Gyroscopic Investing Desert Portfolio

1.00$
Invested Capital
February 1996
7.18$
Final Capital
January 2026
6.79%
Yearly Return
5.48%
Std Deviation
-14.72%
Max Drawdown
27months
Recovery Period

1.00$
Invested Capital
February 1996
3.40$
Final Capital
January 2026
4.17%
Yearly Return
5.48%
Std Deviation
-21.07%
Max Drawdown
47months
Recovery Period

1.00$
Invested Capital
January 1985
23.64$
Final Capital
January 2026
8.00%
Yearly Return
5.67%
Std Deviation
-14.72%
Max Drawdown
27months
Recovery Period

1.00$
Invested Capital
January 1985
7.65$
Final Capital
January 2026
5.08%
Yearly Return
5.67%
Std Deviation
-21.07%
Max Drawdown
47months
Recovery Period

As of January 2026, in the previous 30 Years, the Developed World ex-US 20/80 Portfolio obtained a 5.20% compound annual return, with a 5.19% standard deviation. It suffered a maximum drawdown of -16.80% that required 43 months to be recovered.

As of January 2026, in the previous 30 Years, the Gyroscopic Investing Desert Portfolio obtained a 6.79% compound annual return, with a 5.48% standard deviation. It suffered a maximum drawdown of -14.72% that required 27 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.

Developed World ex-US 20/80 Portfolio

Weight (%)	Ticker	Name
20.00	VEA	Vanguard FTSE Developed Markets
80.00	BNDX	Vanguard Total International Bond

Gyroscopic Investing Desert Portfolio

Weight (%)	Ticker	Name
30.00	VTI	Vanguard Total Stock Market
60.00	IEI	iShares 3-7 Year Treasury Bond
10.00	GLD	SPDR Gold Trust

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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 (%)
Developed World ex-US 20/80	1 $	4.58 $	357.53%	5.20%
Desert Portfolio Gyroscopic Investing	1 $	7.18 $	617.61%	6.79%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US 20/80	1 $	2.17 $	117.04%	2.62%
Desert Portfolio Gyroscopic Investing	1 $	3.40 $	240.42%	4.17%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US 20/80	1 $	17.47 $	1 647.07%	7.21%
Desert Portfolio Gyroscopic Investing	1 $	23.64 $	2 264.31%	8.00%
	Jan 1985	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US 20/80	1 $	5.65 $	465.19%	4.31%
Desert Portfolio Gyroscopic Investing	1 $	7.65 $	664.87%	5.08%
	Jan 1985	Jan 2026

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		Return (%) as of Jan 31, 2026
		YTD (1M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~41Y)
	Developed World ex-US 20/80 -- Market Benchmark	1.61	1.61	5.47	9.89	2.21	3.72	5.20	7.21
	Desert Portfolio Gyroscopic Investing	1.70	1.70	9.54	15.46	6.49	7.11	6.79	8.00
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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	Developed World ex-US 20/80	Desert Portfolio
Author		Gyroscopic Investing
ASSET ALLOCATION
Stocks	20%	30%
Fixed Income	80%	60%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	9.89	15.46
Infl. Adjusted (%)	7.55	13.00
DRAWDOWN
Deepest Drawdown Depth (%)	-0.94	-0.40
Start to Recovery (months)	2	2
Longest Drawdown Depth (%)	-0.94	-0.40
Start to Recovery (months)	2	2
Longest Negative Period (months)	1	1
RISK INDICATORS
Standard Deviation (%)	2.89	2.90
Sharpe Ratio	2.01	3.92
Sortino Ratio	2.57	5.31
Ulcer Index	0.28	0.11
Ratio: Return / Standard Deviation	3.43	5.33
Ratio: Return / Deepest Drawdown	10.54	38.94
Metrics calculated over the period 1 February 2025 - 31 January 2026

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	Developed World ex-US 20/80	Desert Portfolio
Author		Gyroscopic Investing
ASSET ALLOCATION
Stocks	20%	30%
Fixed Income	80%	60%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	2.21	6.49
Infl. Adjusted (%)	-2.13	1.97
DRAWDOWN
Deepest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Negative Period (months)	44	33
RISK INDICATORS
Standard Deviation (%)	6.57	6.99
Sharpe Ratio	-0.14	0.48
Sortino Ratio	-0.20	0.62
Ulcer Index	7.04	5.29
Ratio: Return / Standard Deviation	0.34	0.93
Ratio: Return / Deepest Drawdown	0.13	0.44
Metrics calculated over the period 1 February 2021 - 31 January 2026

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	Developed World ex-US 20/80	Desert Portfolio
Author		Gyroscopic Investing
ASSET ALLOCATION
Stocks	20%	30%
Fixed Income	80%	60%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	3.72	7.11
Infl. Adjusted (%)	0.49	3.78
DRAWDOWN
Deepest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Negative Period (months)	59	38
RISK INDICATORS
Standard Deviation (%)	5.46	5.95
Sharpe Ratio	0.30	0.85
Sortino Ratio	0.40	1.13
Ulcer Index	5.07	3.83
Ratio: Return / Standard Deviation	0.68	1.20
Ratio: Return / Deepest Drawdown	0.22	0.48
Metrics calculated over the period 1 February 2016 - 31 January 2026

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	Developed World ex-US 20/80	Desert Portfolio
Author		Gyroscopic Investing
ASSET ALLOCATION
Stocks	20%	30%
Fixed Income	80%	60%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	5.20	6.79
Infl. Adjusted (%)	2.62	4.17
DRAWDOWN
Deepest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Negative Period (months)	59	38
RISK INDICATORS
Standard Deviation (%)	5.19	5.48
Sharpe Ratio	0.57	0.83
Sortino Ratio	0.77	1.12
Ulcer Index	3.73	2.63
Ratio: Return / Standard Deviation	1.00	1.24
Ratio: Return / Deepest Drawdown	0.31	0.46
Metrics calculated over the period 1 February 1996 - 31 January 2026

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	Developed World ex-US 20/80	Desert Portfolio
Author		Gyroscopic Investing
ASSET ALLOCATION
Stocks	20%	30%
Fixed Income	80%	60%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	7.21	8.00
Infl. Adjusted (%)	4.31	5.08
DRAWDOWN
Deepest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Drawdown Depth (%)	-16.80	-14.72
Start to Recovery (months)	43	27
Longest Negative Period (months)	59	38
RISK INDICATORS
Standard Deviation (%)	5.77	5.67
Sharpe Ratio	0.70	0.85
Sortino Ratio	0.99	1.16
Ulcer Index	3.41	2.47
Ratio: Return / Standard Deviation	1.25	1.41
Ratio: Return / Deepest Drawdown	0.43	0.54
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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Developed World ex-US 20/80			Desert Portfolio
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-16.80	43	Aug 2021 Feb 2025
-15.55	18	Mar 2008 Aug 2009
			-14.72	27	Jan 2022 Mar 2024
			-10.15	19	Mar 2008 Sep 2009
-7.46	22	Dec 1996 Sep 1998
-5.99	6	Feb 2020 Jul 2020
-4.48	8	May 2013 Dec 2013
			-4.42	3	Jul 1998 Sep 1998
			-3.94	13	Feb 2001 Feb 2002
			-3.56	3	Feb 2020 Apr 2020
			-3.44	7	Apr 2004 Oct 2004
			-3.24	2	Sep 2011 Oct 2011
-3.06	12	Apr 2015 Mar 2016
			-2.91	3	Feb 1999 Apr 1999
			-2.78	3	Apr 2000 Jun 2000

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Developed World ex-US 20/80			Desert Portfolio
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-16.80	43	Aug 2021 Feb 2025
-15.55	18	Mar 2008 Aug 2009
			-14.72	27	Jan 2022 Mar 2024
			-10.15	19	Mar 2008 Sep 2009
			-8.49	14	Sep 1987 Oct 1988
-7.46	22	Dec 1996 Sep 1998
-7.02	7	Jan 1990 Jul 1990
-6.51	18	Feb 1994 Jul 1995
-6.31	5	Aug 1990 Dec 1990
-5.99	6	Feb 2020 Jul 2020
			-5.63	13	Feb 1994 Feb 1995
-4.48	8	May 2013 Dec 2013
			-4.42	3	Jul 1998 Sep 1998
-4.18	7	Jan 1992 Jul 1992
			-3.94	13	Feb 2001 Feb 2002

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:

Developed World ex-US 20/80
Desert 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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	Developed World ex-US 20/80		Desert Portfolio
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	1.61	0.00	1.70	0.00
2025	9.33	-0.94	15.67	-0.40
2024	3.48	-1.82	10.90	-2.08
2023	10.62	-3.65	11.64	-4.01
2022	-13.28	-15.82	-11.64	-14.72
2021	0.51	-1.64	5.76	-2.29
2020	5.67	-5.99	12.96	-3.56
2019	10.82	-0.13	14.41	-0.95
2018	-0.71	-1.97	-0.94	-2.77
2017	7.20	-0.28	8.38	-0.12
2016	4.23	-2.76	5.39	-2.63
2015	0.88	-3.06	0.02	-2.57
2014	5.80	-0.91	5.45	-1.59
2013	3.72	-4.48	6.10	-2.64
2012	11.34	-1.93	6.70	-2.16
2011	4.42	-2.68	6.23	-3.24
2010	8.49	-1.80	11.95	-1.56
2009	17.74	-4.20	10.05	-5.76
2008	-10.01	-15.55	-2.92	-8.78
2007	6.22	-0.75	10.64	-0.86
2006	7.61	-0.62	8.85	-1.61
2005	6.71	-1.16	5.06	-1.48
2004	8.93	-1.18	6.34	-3.44
2003	10.88	-0.98	12.64	-1.46
2002	4.31	-1.24	4.90	-2.20
2001	4.28	-1.41	1.31	-3.94
2000	4.50	-1.64	4.70	-2.78
1999	7.82	-2.07	5.12	-2.91
1998	16.99	-0.92	13.26	-4.42
1997	-4.15	-6.74	12.53	-2.44
1996	4.66	-1.36	6.98	-2.04
1995	17.78	-0.82	23.10	0.00
1994	-3.88	-6.31	-2.86	-5.63
1993	19.11	-1.94	11.81	-1.14
1992	6.56	-4.18	6.83	-2.19
1991	19.03	-1.69	18.44	-1.44
1990	0.80	-7.02	3.54	-3.71
1989	11.45	-2.33	16.86	-1.08
1988	12.16	-0.98	6.82	-1.71
1987	8.87	-2.58	4.17	-8.49
1986	25.77	-3.32	15.33	-2.55
1985	31.17	-2.24	23.33	-1.21

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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