Developed World ex-US Stocks Portfolio vs Stocks/Bonds 80/20 Portfolio Portfolio Comparison

Simulation Settings

Period: January 1970 - January 2026 (~56 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
(1970/01 - 2026/01)

Inflation Adjusted:

Developed World ex-US Stocks Portfolio

1.00$
Invested Capital
February 1996
5.91$
Final Capital
January 2026
6.10%
Yearly Return
16.48%
Std Deviation
-57.00%
Max Drawdown
79months
Recovery Period

1.00$
Invested Capital
February 1996
2.80$
Final Capital
January 2026
3.49%
Yearly Return
16.48%
Std Deviation
-57.71%
Max Drawdown
123months
Recovery Period

1.00$
Invested Capital
January 1970
104.62$
Final Capital
January 2026
8.65%
Yearly Return
16.95%
Std Deviation
-57.00%
Max Drawdown
79months
Recovery Period

1.00$
Invested Capital
January 1970
12.07$
Final Capital
January 2026
4.54%
Yearly Return
16.95%
Std Deviation
-57.71%
Max Drawdown
123months
Recovery Period

Stocks/Bonds 80/20 Portfolio

1.00$
Invested Capital
February 1996
14.28$
Final Capital
January 2026
9.27%
Yearly Return
12.57%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period

1.00$
Invested Capital
February 1996
6.76$
Final Capital
January 2026
6.58%
Yearly Return
12.57%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period

1.00$
Invested Capital
January 1970
241.49$
Final Capital
January 2026
10.28%
Yearly Return
12.76%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period

1.00$
Invested Capital
January 1970
27.87$
Final Capital
January 2026
6.11%
Yearly Return
12.76%
Std Deviation
-46.99%
Max Drawdown
123months
Recovery Period

As of January 2026, in the previous 30 Years, the Developed World ex-US Stocks Portfolio obtained a 6.10% compound annual return, with a 16.48% standard deviation. It suffered a maximum drawdown of -57.00% that required 79 months to be recovered.

As of January 2026, in the previous 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.27% compound annual return, with a 12.57% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 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 Stocks Portfolio

Weight (%)	Ticker	Name
100.00	VEA	Vanguard FTSE Developed Markets

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 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
(1970/01 - 2026/01)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US Stocks	1 $	5.91 $	491.18%	6.10%
Stocks/Bonds 80/20	1 $	14.28 $	1 327.55%	9.27%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US Stocks	1 $	2.80 $	179.96%	3.49%
Stocks/Bonds 80/20	1 $	6.76 $	576.04%	6.58%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US Stocks	1 $	104.62 $	10 361.61%	8.65%
Stocks/Bonds 80/20	1 $	241.49 $	24 049.41%	10.28%
	Jan 1970	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Developed World ex-US Stocks	1 $	12.07 $	1 107.34%	4.54%
Stocks/Bonds 80/20	1 $	27.87 $	2 687.00%	6.11%
	Jan 1970	Jan 2026

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		Return (%) as of Jan 31, 2026
		YTD (1M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~56Y)
	Developed World ex-US Stocks -- Market Benchmark	5.97	5.97	20.32	37.16	10.65	10.01	6.10	8.65
	Stocks/Bonds 80/20 -- Market Benchmark	1.31	1.31	8.84	13.71	10.86	12.52	9.27	10.28
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 1970 - 31 January 2026 (~56 years)

1 Year

5 Years

10 Years

30 Years

All (1970/01 - 2026/01)

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	Developed World ex-US Stocks	Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks	100%	80%
Fixed Income	0%	20%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	37.16	13.71
Infl. Adjusted (%)	34.01	11.09
DRAWDOWN
Deepest Drawdown Depth (%)	-1.39	-6.18
Start to Recovery (months)	2	5
Longest Drawdown Depth (%)	-0.01	-6.18
Start to Recovery (months)	2	5
Longest Negative Period (months)	1	4
RISK INDICATORS
Standard Deviation (%)	7.08	8.53
Sharpe Ratio	4.67	1.13
Sortino Ratio	6.26	1.47
Ulcer Index	0.38	2.40
Ratio: Return / Standard Deviation	5.25	1.61
Ratio: Return / Deepest Drawdown	26.81	2.22
Metrics calculated over the period 1 February 2025 - 31 January 2026

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	Developed World ex-US Stocks	Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks	100%	80%
Fixed Income	0%	20%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	10.65	10.86
Infl. Adjusted (%)	5.92	6.11
DRAWDOWN
Deepest Drawdown Depth (%)	-28.08	-22.75
Start to Recovery (months)	30	25
Longest Drawdown Depth (%)	-28.08	-22.75
Start to Recovery (months)	30	25
Longest Negative Period (months)	33	30
RISK INDICATORS
Standard Deviation (%)	15.07	13.03
Sharpe Ratio	0.50	0.59
Sortino Ratio	0.67	0.77
Ulcer Index	8.42	8.11
Ratio: Return / Standard Deviation	0.71	0.83
Ratio: Return / Deepest Drawdown	0.38	0.48
Metrics calculated over the period 1 February 2021 - 31 January 2026

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	Developed World ex-US Stocks	Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks	100%	80%
Fixed Income	0%	20%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	10.01	12.52
Infl. Adjusted (%)	6.56	9.00
DRAWDOWN
Deepest Drawdown Depth (%)	-28.08	-22.75
Start to Recovery (months)	30	25
Longest Drawdown Depth (%)	-24.14	-22.75
Start to Recovery (months)	34	25
Longest Negative Period (months)	62	30
RISK INDICATORS
Standard Deviation (%)	15.10	12.74
Sharpe Ratio	0.53	0.82
Sortino Ratio	0.70	1.08
Ulcer Index	8.08	6.26
Ratio: Return / Standard Deviation	0.66	0.98
Ratio: Return / Deepest Drawdown	0.36	0.55
Metrics calculated over the period 1 February 2016 - 31 January 2026

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	Developed World ex-US Stocks	Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks	100%	80%
Fixed Income	0%	20%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	6.10	9.27
Infl. Adjusted (%)	3.49	6.58
DRAWDOWN
Deepest Drawdown Depth (%)	-57.00	-41.09
Start to Recovery (months)	79	39
Longest Drawdown Depth (%)	-57.00	-33.33
Start to Recovery (months)	79	59
Longest Negative Period (months)	150	122
RISK INDICATORS
Standard Deviation (%)	16.48	12.57
Sharpe Ratio	0.23	0.56
Sortino Ratio	0.31	0.73
Ulcer Index	18.39	10.40
Ratio: Return / Standard Deviation	0.37	0.74
Ratio: Return / Deepest Drawdown	0.11	0.23
Metrics calculated over the period 1 February 1996 - 31 January 2026

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	Developed World ex-US Stocks	Stocks/Bonds 80/20
Author
ASSET ALLOCATION
Stocks	100%	80%
Fixed Income	0%	20%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.65	10.28
Infl. Adjusted (%)	4.54	6.11
DRAWDOWN
Deepest Drawdown Depth (%)	-57.00	-41.09
Start to Recovery (months)	79	39
Longest Drawdown Depth (%)	-57.00	-33.33
Start to Recovery (months)	79	59
Longest Negative Period (months)	170	122
RISK INDICATORS
Standard Deviation (%)	16.95	12.76
Sharpe Ratio	0.25	0.46
Sortino Ratio	0.34	0.62
Ulcer Index	15.78	9.21
Ratio: Return / Standard Deviation	0.51	0.81
Ratio: Return / Deepest Drawdown	0.15	0.25
Metrics calculated over the period 1 January 1970 - 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 1970 - 31 January 2026 (~56 years)

30 Years
(1996/02 - 2026/01)

Chart Table

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Developed World ex-US Stocks			Stocks/Bonds 80/20
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-57.00	79	Nov 2007 May 2014
-48.19	69	Jan 2000 Sep 2005
			-41.09	39	Nov 2007 Jan 2011
			-33.33	59	Sep 2000 Jul 2005
-28.08	30	Sep 2021 Feb 2024
-24.14	34	Feb 2018 Nov 2020
			-22.75	25	Jan 2022 Jan 2024
-17.94	34	Jul 2014 Apr 2017
			-16.53	6	Feb 2020 Jul 2020
-14.47	7	Jun 1998 Dec 1998
			-13.95	5	Jul 1998 Nov 1998
			-13.35	10	May 2011 Feb 2012
			-11.32	7	Oct 2018 Apr 2019
-11.23	8	Aug 1997 Mar 1998
-8.09	7	Oct 2024 Apr 2025

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Developed World ex-US Stocks			Stocks/Bonds 80/20
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-57.00	79	Nov 2007 May 2014
-48.19	69	Jan 2000 Sep 2005
-41.73	57	Jan 1973 Sep 1977
			-41.09	39	Nov 2007 Jan 2011
			-36.88	39	Jan 1973 Mar 1976
			-33.33	59	Sep 2000 Jul 2005
-31.21	49	Jan 1990 Jan 1994
-28.08	30	Sep 2021 Feb 2024
-27.77	28	Dec 1980 Mar 1983
-27.31	15	Jan 1970 Mar 1971
			-24.55	20	Sep 1987 Apr 1989
-24.14	34	Feb 2018 Nov 2020
			-22.75	25	Jan 2022 Jan 2024
-17.94	34	Jul 2014 Apr 2017
			-16.53	6	Feb 2020 Jul 2020

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 1970 - 31 January 2026 (~56 years)

Rolling Period:

Developed World ex-US Stocks
Stocks/Bonds 80/20

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 Stocks		Stocks/Bonds 80/20
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	5.97	0.00	1.31	0.00
2025	35.17	-1.39	15.10	-6.18
2024	3.15	-8.09	19.32	-3.99
2023	17.94	-10.71	21.92	-8.32
2022	-15.36	-27.52	-18.23	-22.75
2021	11.67	-4.89	20.16	-3.88
2020	9.74	-23.99	18.36	-16.53
2019	22.62	-5.21	26.30	-4.97
2018	-14.75	-18.62	-4.19	-11.32
2017	26.42	0.00	17.68	0.00
2016	2.67	-8.44	10.77	-4.34
2015	-0.38	-12.39	0.40	-7.05
2014	-5.98	-10.04	11.20	-2.23
2013	21.83	-5.66	26.34	-2.66
2012	18.56	-13.28	13.79	-5.21
2011	-12.30	-23.95	2.36	-13.35
2010	8.35	-15.54	15.18	-10.23
2009	27.49	-22.68	23.84	-14.71
2008	-40.65	-45.54	-28.21	-30.13
2007	11.15	-6.29	5.68	-4.17
2006	26.27	-3.73	13.41	-2.63
2005	13.60	-4.72	5.53	-3.41
2004	20.25	-3.59	11.08	-2.95
2003	38.67	-8.24	25.40	-3.13
2002	-15.62	-23.19	-14.73	-20.47
2001	-21.94	-26.63	-7.09	-17.69
2000	-14.29	-17.14	-6.18	-12.05
1999	37.96	-4.28	18.90	-5.12
1998	16.51	-14.47	20.33	-13.95
1997	-1.39	-11.23	26.68	-3.85
1996	4.68	-4.13	17.49	-4.78
1995	3.98	-8.89	32.26	-0.70
1994	9.76	-5.55	-0.67	-6.95
1993	29.92	-10.94	10.44	-2.06
1992	-14.79	-15.85	8.71	-2.02
1991	9.48	-9.97	28.96	-3.69
1990	-24.79	-31.21	-3.13	-12.23
1989	12.85	-7.94	25.22	-2.00
1988	25.66	-9.43	15.32	-2.84
1987	30.48	-13.46	2.40	-24.55
1986	63.38	-8.70	14.68	-6.76
1985	56.04	-1.19	29.47	-3.45
1984	7.32	-6.40	4.75	-7.80
1983	23.61	-3.06	19.17	-3.09
1982	-1.94	-22.97	22.62	-7.08
1981	-2.36	-10.87	-1.44	-10.81
1980	22.48	-11.03	27.10	-10.71
1979	4.69	-8.91	20.47	-6.94
1978	32.52	-5.86	6.99	-9.83
1977	17.99	-2.80	-2.48	-6.59
1976	2.46	-11.28	23.93	-1.62
1975	35.29	-12.20	31.73	-10.05
1974	-23.23	-31.46	-21.11	-27.27
1973	-14.99	-16.30	-13.65	-14.55
1972	36.24	-0.55	14.64	-1.96
1971	29.49	-3.82	16.00	-6.14
1970	-11.71	-27.31	7.28	-14.57

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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