Developed World ex-US 20/80 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:
Developed World ex-US 20/80 Portfolio
1.00$
Invested Capital
July 1995
4.81$
Final Capital
June 2025
5.38%
Yearly Return
5.24%
Std Deviation
-16.80%
Max Drawdown
43months
Recovery Period
1.00$
Invested Capital
July 1995
2.28$
Final Capital
June 2025
2.78%
Yearly Return
5.24%
Std Deviation
-25.20%
Max Drawdown
54months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
16.63$
Final Capital
June 2025
7.19%
Yearly Return
5.80%
Std Deviation
-16.80%
Max Drawdown
43months
Recovery Period
1.00$
Invested Capital
January 1985
5.46$
Final Capital
June 2025
4.28%
Yearly Return
5.80%
Std Deviation
-25.20%
Max Drawdown
54months*
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
2.36$
Final Capital
June 2025
2.90%
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
5.17$
Final Capital
June 2025
4.14%
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 Developed World ex-US 20/80 Portfolio obtained a 5.38% compound annual return, with a 5.24% standard deviation. It suffered a maximum drawdown of -16.80% that required 43 months to be recovered.

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.

Developed World ex-US 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
VEA
Vanguard FTSE Developed Markets
80.00
BNDX
Vanguard Total International 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:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Developed World ex-US 20/80
 1 $ 4.81 $ 380.99% 5.38%
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 (%)
Developed World ex-US 20/80
 1 $ 2.28 $ 127.94% 2.78%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 2.36 $ 135.97% 2.90%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Developed World ex-US 20/80
 1 $ 16.63 $ 1 563.14% 7.19%
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 (%)
Developed World ex-US 20/80
 1 $ 5.46 $ 445.62% 4.28%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 5.17 $ 417.22% 4.14%
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_world.webp Developed World ex-US 20/80
-- Market Benchmark 		5.75 1.02 5.75 8.84 2.25 3.23 5.38 7.19
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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Developed World ex-US 20/80 LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.84 8.28
Infl. Adjusted (%) 5.95 5.41
DRAWDOWN
Deepest Drawdown Depth (%) -1.66 -2.00
Start to Recovery (months) 5 5
Longest Drawdown Depth (%) -1.66 -2.00
Start to Recovery (months) 5 5
Longest Negative Period (months) 6 6
RISK INDICATORS
Standard Deviation (%) 4.33 4.76
Sharpe Ratio 0.97 0.76
Sortino Ratio 1.18 0.92
Ulcer Index 0.71 0.85
Ratio: Return / Standard Deviation 2.04 1.74
Ratio: Return / Deepest Drawdown 5.31 4.14
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Developed World ex-US 20/80 LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.25 2.29
Infl. Adjusted (%) -2.23 -2.19
DRAWDOWN
Deepest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Negative Period (months) 48 45
RISK INDICATORS
Standard Deviation (%) 6.66 7.15
Sharpe Ratio -0.06 -0.05
Sortino Ratio -0.09 -0.07
Ulcer Index 7.05 7.28
Ratio: Return / Standard Deviation 0.34 0.32
Ratio: Return / Deepest Drawdown 0.13 0.14
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Developed World ex-US 20/80 LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.23 3.67
Infl. Adjusted (%) 0.15 0.58
DRAWDOWN
Deepest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Negative Period (months) 59 52
RISK INDICATORS
Standard Deviation (%) 5.51 5.80
Sharpe Ratio 0.25 0.32
Sortino Ratio 0.34 0.43
Ulcer Index 5.08 5.22
Ratio: Return / Standard Deviation 0.59 0.63
Ratio: Return / Deepest Drawdown 0.19 0.22
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Developed World ex-US 20/80 LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.38 5.50
Infl. Adjusted (%) 2.78 2.90
DRAWDOWN
Deepest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Negative Period (months) 59 52
RISK INDICATORS
Standard Deviation (%) 5.24 4.80
Sharpe Ratio 0.59 0.67
Sortino Ratio 0.80 0.90
Ulcer Index 3.74 3.31
Ratio: Return / Standard Deviation 1.03 1.14
Ratio: Return / Deepest Drawdown 0.32 0.33
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Developed World ex-US 20/80 LifeStrategy Income Fund
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.19 7.05
Infl. Adjusted (%) 4.28 4.14
DRAWDOWN
Deepest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Drawdown Depth (%) -16.80 -16.61
Start to Recovery (months) 43 37
Longest Negative Period (months) 59 52
RISK INDICATORS
Standard Deviation (%) 5.80 5.13
Sharpe Ratio 0.69 0.76
Sortino Ratio 0.98 1.04
Ulcer Index 3.43 2.99
Ratio: Return / Standard Deviation 1.24 1.37
Ratio: Return / Deepest Drawdown 0.43 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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Developed World ex-US 20/80 LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.80 43 Aug 2021
Feb 2025
-16.61 37 Sep 2021
Sep 2024
-15.55 18 Mar 2008
Aug 2009
-10.54 15 May 2008
Jul 2009
-7.46 22 Dec 1996
Sep 1998
-5.99 6 Feb 2020
Jul 2020
-4.48 8 May 2013
Dec 2013
-4.47 4 Feb 2020
May 2020
-3.36 6 May 2013
Oct 2013
-3.06 12 Apr 2015
Mar 2016
-2.76 7 Oct 2016
Apr 2017
-2.68 5 Aug 2011
Dec 2011
-2.63 6 Dec 1996
May 1997
-2.58 7 Oct 2016
Apr 2017
-2.43 11 May 2015
Mar 2016

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Developed World ex-US 20/80 LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.80 43 Aug 2021
Feb 2025
-16.61 37 Sep 2021
Sep 2024
-15.55 18 Mar 2008
Aug 2009
-10.54 15 May 2008
Jul 2009
-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
-5.45 15 Feb 1994
Apr 1995
-4.48 8 May 2013
Dec 2013
-4.47 5 Sep 1987
Jan 1988
-4.47 4 Feb 2020
May 2020
-4.35 6 Jan 1990
Jun 1990
-4.18 5 Aug 1990
Dec 1990

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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Developed World ex-US 20/80 LifeStrategy Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 5.75 -0.94 4.88 -0.93
2024
 3.48 -1.82 4.93 -2.43
2023
 10.62 -3.65 9.53 -5.05
2022
 -13.28 -15.82 -14.00 -16.30
2021
 0.51 -1.64 2.15 -1.71
2020
 5.67 -5.99 8.85 -4.47
2019
 10.82 -0.13 12.26 -0.05
2018
 -0.71 -1.97 -1.15 -2.37
2017
 7.20 -0.28 7.31 0.00
2016
 4.23 -2.76 4.45 -2.58
2015
 0.88 -3.06 0.26 -2.43
2014
 5.80 -0.91 6.50 -0.99
2013
 3.72 -4.48 3.78 -3.36
2012
 11.34 -1.93 7.54 -1.14
2011
 4.42 -2.68 5.49 -1.55
2010
 8.49 -1.80 8.55 -1.00
2009
 17.74 -4.20 12.18 -5.19
2008
 -10.01 -15.55 -4.64 -10.54
2007
 6.22 -0.75 6.96 -0.49
2006
 7.61 -0.62 7.11 -0.79
2005
 6.71 -1.16 4.54 -1.40
2004
 8.93 -1.18 7.04 -2.22
2003
 10.88 -0.98 10.09 -1.74
2002
 4.31 -1.24 3.19 -1.88
2001
 4.28 -1.41 4.39 -1.61
2000
 4.50 -1.64 6.07 -1.88
1999
 7.82 -2.07 4.89 -1.98
1998
 16.99 -0.92 12.95 -1.57
1997
 -4.15 -6.74 7.78 -1.74
1996
 4.66 -1.36 6.01 -0.91
1995
 17.78 -0.82 19.89 0.00
1994
 -3.88 -6.31 -2.48 -5.45
1993
 19.11 -1.94 13.03 -1.55
1992
 6.56 -4.18 6.76 -2.36
1991
 19.03 -1.69 18.32 -1.28
1990
 0.80 -7.02 3.86 -4.35
1989
 11.45 -2.33 14.71 -1.34
1988
 12.16 -0.98 10.36 -1.32
1987
 8.87 -2.58 4.45 -4.47
1986
 25.77 -3.32 19.21 -2.56
1985
 31.17 -2.24 26.25 -1.52
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