10-year Treasury Portfolio vs Bill Bernstein Sheltered Sam 30/70 Portfolio Portfolio Comparison

Results

30 Years
(1996/03 - 2026/02)

All Data
(1985/01 - 2026/02)

Inflation Adjusted:

10-year Treasury Portfolio

1.00$

Invested Capital
March 1996

3.86$

Final Capital
February 2026

4.61%

Yearly Return

6.70%

Std Deviation

-23.19%

Max Drawdown

67months^*

Recovery Period
* in progress

1.00$

Invested Capital
March 1996

1.83$

Final Capital
February 2026

2.04%

Yearly Return

6.70%

Std Deviation

-35.52%

Max Drawdown

69months^*

Recovery Period
* in progress

1.00$

Invested Capital
January 1985

13.07$

Final Capital
February 2026

6.44%

Yearly Return

7.17%

Std Deviation

-23.19%

Max Drawdown

67months^*

Recovery Period
* in progress

1.00$

Invested Capital
January 1985

4.22$

Final Capital
February 2026

3.56%

Yearly Return

7.17%

Std Deviation

-35.52%

Max Drawdown

69months^*

Recovery Period
* in progress

Bill Bernstein Sheltered Sam 30/70 Portfolio

1.00$

Invested Capital
March 1996

5.38$

Final Capital
February 2026

5.77%

Yearly Return

5.17%

Std Deviation

-16.58%

Max Drawdown

18months

Recovery Period

1.00$

Invested Capital
March 1996

2.55$

Final Capital
February 2026

3.17%

Yearly Return

5.17%

Std Deviation

-18.58%

Max Drawdown

57months^*

Recovery Period
* in progress

1.00$

Invested Capital
January 1985

18.59$

Final Capital
February 2026

7.36%

Yearly Return

5.44%

Std Deviation

-16.58%

Max Drawdown

18months

Recovery Period

1.00$

Invested Capital
January 1985

6.00$

Final Capital
February 2026

4.45%

Yearly Return

5.44%

Std Deviation

-18.58%

Max Drawdown

57months^*

Recovery Period
* in progress

As of February 2026, in the previous 30 Years, the 10-year Treasury Portfolio obtained a 4.61% compound annual return, with a 6.70% standard deviation. It suffered a maximum drawdown of -23.19% which has been ongoing for 67 months and is still in progress.

As of February 2026, in the previous 30 Years, the Bill Bernstein Sheltered Sam 30/70 Portfolio obtained a 5.77% compound annual return, with a 5.17% standard deviation. It suffered a maximum drawdown of -16.58% that required 18 months to be recovered.

Mastering ETF Investing

A practical guide to build wealth with Lazy Portfolios and passive investing

Set your goal Evaluate with top metrics

Buy now 🇺🇸 English book

Buy now 🇮🇹 Italian book

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

10-year Treasury Portfolio

Weight (%)	Ticker	Name
100.00	IEF	iShares 7-10 Year Treasury Bond

Bill Bernstein Sheltered Sam 30/70 Portfolio

Weight (%)	Ticker	Name
7.50	VTV	Vanguard Value
6.00	VV	Vanguard Large-Cap
4.50	IJS	iShares S&P Small-Cap 600 Value
3.00	VNQ	Vanguard Real Estate
2.10	EFV	iShares MSCI EAFE Value
1.50	EEM	iShares MSCI Emerging Markets
1.50	IJR	iShares Core S&P Small-Cap
1.50	VGK	Vanguard FTSE Europe
1.50	VPL	Vanguard FTSE Pacific
42.00	SHY	iShares 1-3 Year Treasury Bond
28.00	TIP	iShares TIPS Bond
0.90	GLTR	Aberdeen Standard Physical Precious Metals Basket Shares

Portfolio Returns as of Feb 28, 2026

Return Comparison

Capital Growth

30 Years
(1996/03 - 2026/02)

All Data
(1985/01 - 2026/02)

Inflation Adjusted:

Swipe left to see all data

		Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
	10-year Treasury	1 $	3.86 $	286.37%	4.61%
	Sheltered Sam 30/70 Bill Bernstein	1 $	5.38 $	438.09%	5.77%
		Mar 1996	Feb 2026

Loading data
Please wait

Swipe left to see all data

		Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
	10-year Treasury	1 $	1.83 $	83.33%	2.04%
	Sheltered Sam 30/70 Bill Bernstein	1 $	2.55 $	155.31%	3.17%
		Mar 1996	Feb 2026

Loading data
Please wait

Swipe left to see all data

		Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
	10-year Treasury	1 $	13.07 $	1 207.23%	6.44%
	Sheltered Sam 30/70 Bill Bernstein	1 $	18.59 $	1 758.78%	7.36%
		Jan 1985	Feb 2026

Loading data
Please wait

Swipe left to see all data

		Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
	10-year Treasury	1 $	4.22 $	322.18%	3.56%
	Sheltered Sam 30/70 Bill Bernstein	1 $	6.00 $	500.30%	4.45%
		Jan 1985	Feb 2026

Loading data
Please wait

Swipe left to see all data

			Return (%) as of Feb 28, 2026
			YTD (2M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~41Y)
		10-year Treasury -- Market Benchmark	2.24	2.47	3.86	6.78	-0.70	1.01	4.61	6.44
		Sheltered Sam 30/70 Bill Bernstein	3.29	1.59	6.17	10.84	4.61	5.24	5.77	7.36
Returns over 1 year are annualized.

Readings that may interest you

Mastering ETF Investing: How to Build Wealth with Lazy Portfolios and Passive ...

Princípios

Crypto for Beginners Made Easy: Your Step-by-Step Guide to Understanding ...

Portfolio Metrics as of Feb 28, 2026

The following metrics, updated as of 28 February 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

Mastering ETF Investing

A practical guide to build wealth with Lazy Portfolios and passive investing

Set your goal Evaluate with top metrics

Buy now 🇺🇸 English book

Buy now 🇮🇹 Italian book

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.

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.

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.

Mastering ETF Investing

A practical guide to build wealth with Lazy Portfolios and passive investing

Set your goal Evaluate with top metrics

Buy now 🇺🇸 English book

Buy now 🇮🇹 Italian book