10-year Treasury Portfolio vs iShares Lifepath Fund Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - December 2024 (~40 years)
Consolidated Returns as of 31 December 2024
Rebalancing: at every Jan 1st
Currency: USD
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Results
30 Years
All (since January 1985)
10-year Treasury Portfolio
1.00$
Initial Capital
January 1995
4.25$
Final Capital
December 2024
4.94%
Yearly Return
6.84%
Std Deviation
-23.19%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
11.84$
Final Capital
December 2024
6.37%
Yearly Return
7.24%
Std Deviation
-23.19%
Max Drawdown
53months*
Recovery Period
* in progress
iShares Lifepath Fund Portfolio
1.00$
Initial Capital
January 1995
7.06$
Final Capital
December 2024
6.73%
Yearly Return
7.04%
Std Deviation
-21.23%
Max Drawdown
26months
Recovery Period
1.00$
Initial Capital
January 1985
22.12$
Final Capital
December 2024
8.05%
Yearly Return
7.26%
Std Deviation
-21.23%
Max Drawdown
26months
Recovery Period

As of December 2024, in the previous 30 Years, the 10-year Treasury Portfolio obtained a 4.94% compound annual return, with a 6.84% standard deviation. It suffered a maximum drawdown of -23.19% which has been ongoing for 53 months and is still in progress.

As of December 2024, in the previous 30 Years, the iShares Lifepath Fund Portfolio obtained a 6.73% compound annual return, with a 7.04% standard deviation. It suffered a maximum drawdown of -21.23% that required 26 months to be recovered.

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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

10-year Treasury Portfolio
Weight
(%)		 ETF
Ticker		 Name
100.00
IEF
iShares 7-10 Year Treasury Bond
iShares Lifepath Fund Portfolio
Weight
(%)		 ETF
Ticker		 Name
22.09
VV
Vanguard Large-Cap
13.67
VEU
Vanguard FTSE All-World ex-US
4.15
IJR
iShares Core S&P Small-Cap
0.51
VNQ
Vanguard Real Estate
50.82
BND
Vanguard Total Bond Market
8.76
TIP
iShares TIPS Bond
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Portfolio Returns as of Dec 31, 2024

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
  • the actual US Inflation rates.
RETURN COMPARISON
Period: 1 January 1985 - 31 December 2024 (~40 years)
Swipe left to see all data
Return (%) as of Dec 31, 2024
YTD
(12M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp 10-year Treasury
-- Market Benchmark 		-0.63 -2.26 0.85 -0.63 -1.47 0.64 4.94 6.37
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_ishares.webp Lifepath Fund
iShares 		7.57 -2.33 3.58 7.57 4.24 4.96 6.73 8.05
Return over 1 year are annualized.
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Capital Growth as of Dec 31, 2024

10-year Treasury Portfolio: an investment of 1$, since January 1995, now would be worth 4.25$, with a total return of 325.37% (4.94% annualized).

iShares Lifepath Fund Portfolio: an investment of 1$, since January 1995, now would be worth 7.06$, with a total return of 605.85% (6.73% annualized).


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10-year Treasury Portfolio: an investment of 1$, since January 1985, now would be worth 11.84$, with a total return of 1083.58% (6.37% annualized).

iShares Lifepath Fund Portfolio: an investment of 1$, since January 1985, now would be worth 22.12$, with a total return of 2111.59% (8.05% annualized).


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Portfolio Metrics as of Dec 31, 2024

The following metrics, updated as of 31 December 2024, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 January 2024 - 31 December 2024 (1 year)
Period: 1 January 2020 - 31 December 2024 (5 years)
Period: 1 January 2015 - 31 December 2024 (10 years)
Period: 1 January 1995 - 31 December 2024 (30 years)
Period: 1 January 1985 - 31 December 2024 (~40 years)
Swipe left to see all data
10-year Treasury Lifepath Fund
Author iShares
ASSET ALLOCATION
Stocks 0% 40.42%
Fixed Income 100% 59.58%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) -0.63 7.57
Infl. Adjusted Return (%) -3.43 4.54
DRAWDOWN
Deepest Drawdown Depth (%) -4.61 -2.89
Start to Recovery (months) 3* 3
Longest Drawdown Depth (%) -4.45 -2.89
Start to Recovery (months) 6 3
Longest Negative Period (months) 12* 4
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.01 6.80
Sharpe Ratio -0.83 0.35
Sortino Ratio -1.06 0.43
Ulcer Index 2.39 1.21
Ratio: Return / Standard Deviation -0.09 1.11
Ratio: Return / Deepest Drawdown -0.14 2.62
Metrics calculated over the period 1 January 2024 - 31 December 2024
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10-year Treasury Lifepath Fund
Author iShares
ASSET ALLOCATION
Stocks 0% 40.42%
Fixed Income 100% 59.58%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) -1.47 4.24
Infl. Adjusted Return (%) -5.44 0.04
DRAWDOWN
Deepest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Negative Period (months) 60* 39
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.81 9.94
Sharpe Ratio -0.49 0.19
Sortino Ratio -0.70 0.26
Ulcer Index 13.33 7.47
Ratio: Return / Standard Deviation -0.19 0.43
Ratio: Return / Deepest Drawdown -0.06 0.22
Metrics calculated over the period 1 January 2020 - 31 December 2024
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10-year Treasury Lifepath Fund
Author iShares
ASSET ALLOCATION
Stocks 0% 40.42%
Fixed Income 100% 59.58%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 0.64 4.96
Infl. Adjusted Return (%) -2.30 1.90
DRAWDOWN
Deepest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Negative Period (months) 111 39
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.71 7.85
Sharpe Ratio -0.15 0.43
Sortino Ratio -0.21 0.57
Ulcer Index 9.85 5.44
Ratio: Return / Standard Deviation 0.09 0.63
Ratio: Return / Deepest Drawdown 0.03 0.26
Metrics calculated over the period 1 January 2015 - 31 December 2024
Swipe left to see all data
10-year Treasury Lifepath Fund
Author iShares
ASSET ALLOCATION
Stocks 0% 40.42%
Fixed Income 100% 59.58%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.94 6.73
Infl. Adjusted Return (%) 2.35 4.10
DRAWDOWN
Deepest Drawdown Depth (%) -23.19 -21.23
Start to Recovery (months) 53* 26
Longest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Negative Period (months) 126 50
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.84 7.04
Sharpe Ratio 0.39 0.63
Sortino Ratio 0.55 0.83
Ulcer Index 6.22 4.32
Ratio: Return / Standard Deviation 0.72 0.96
Ratio: Return / Deepest Drawdown 0.21 0.32
Metrics calculated over the period 1 January 1995 - 31 December 2024
Swipe left to see all data
10-year Treasury Lifepath Fund
Author iShares
ASSET ALLOCATION
Stocks 0% 40.42%
Fixed Income 100% 59.58%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.37 8.05
Infl. Adjusted Return (%) 3.48 5.11
DRAWDOWN
Deepest Drawdown Depth (%) -23.19 -21.23
Start to Recovery (months) 53* 26
Longest Drawdown Depth (%) -23.19 -18.92
Start to Recovery (months) 53* 31
Longest Negative Period (months) 126 50
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.24 7.26
Sharpe Ratio 0.45 0.68
Sortino Ratio 0.64 0.90
Ulcer Index 5.68 3.94
Ratio: Return / Standard Deviation 0.88 1.11
Ratio: Return / Deepest Drawdown 0.27 0.38
Metrics calculated over the period 1 January 1985 - 31 December 2024
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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 January 1995 - 31 December 2024 (30 years)
Period: 1 January 1985 - 31 December 2024 (~40 years)

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10-year Treasury Lifepath Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-23.19 53* Aug 2020
In progress
-21.23 26 Nov 2007
Dec 2009
-18.92 31 Jan 2022
Jul 2024
-9.34 23 Oct 1998
Aug 2000
-8.33 5 Feb 2020
Jun 2020
-7.60 19 May 2013
Nov 2014
-7.18 34 Aug 2016
May 2019
-7.15 28 Feb 2001
May 2003
-6.90 10 Feb 1996
Nov 1996
-6.65 18 Jan 2009
Jun 2010
-6.60 9 Nov 2001
Jul 2002
-5.68 7 Jun 2003
Dec 2003
-5.64 9 May 2011
Jan 2012
-5.36 5 Jul 1998
Nov 1998
-5.27 7 Sep 2018
Mar 2019

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10-year Treasury Lifepath Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-23.19 53* Aug 2020
In progress
-21.23 26 Nov 2007
Dec 2009
-18.92 31 Jan 2022
Jul 2024
-10.87 11 Mar 1987
Jan 1988
-10.86 13 Sep 1987
Sep 1988
-10.14 19 Nov 1993
May 1995
-9.34 23 Oct 1998
Aug 2000
-8.33 5 Feb 2020
Jun 2020
-7.60 19 May 2013
Nov 2014
-7.18 34 Aug 2016
May 2019
-7.15 28 Feb 2001
May 2003
-7.10 6 Aug 1990
Jan 1991
-6.90 10 Feb 1996
Nov 1996
-6.65 18 Jan 2009
Jun 2010
-6.60 9 Nov 2001
Jul 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 December 2024 (~40 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.

Swipe left to see all data
10-year Treasury Lifepath Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2024
 -0.63 -4.61 7.57 -2.89
2023
 3.65 -8.82 11.93 -6.77
2022
 -15.19 -16.91 -15.14 -18.92
2021
 -3.33 -5.73 8.05 -2.34
2020
 10.01 -2.02 11.47 -8.33
2019
 8.03 -2.59 16.20 -1.68
2018
 0.99 -3.19 -3.49 -5.27
2017
 2.55 -1.90 11.24 0.00
2016
 1.00 -6.50 6.11 -1.80
2015
 1.51 -4.25 -0.37 -4.45
2014
 9.07 -1.05 6.00 -1.78
2013
 -6.09 -7.60 9.07 -2.99
2012
 3.66 -2.67 9.09 -2.74
2011
 15.64 -1.29 3.66 -5.64
2010
 9.37 -4.30 10.07 -3.83
2009
 -6.59 -6.65 15.04 -9.43
2008
 17.91 -4.15 -12.05 -16.28
2007
 10.37 -1.85 7.94 -1.18
2006
 2.52 -2.87 10.06 -1.54
2005
 2.64 -3.19 5.27 -1.53
2004
 4.12 -4.85 9.19 -2.78
2003
 5.29 -5.68 16.31 -1.16
2002
 15.45 -4.13 -1.88 -6.04
2001
 5.40 -5.21 -0.13 -5.51
2000
 17.28 -1.12 3.22 -3.16
1999
 -7.83 -8.11 8.91 -2.48
1998
 14.64 -1.61 13.44 -5.36
1997
 11.97 -2.02 14.26 -3.07
1996
 0.00 -6.90 8.55 -1.74
1995
 25.55 -1.23 21.33 0.00
1994
 -7.19 -9.56 -0.37 -4.89
1993
 12.97 -2.55 13.45 -2.48
1992
 7.23 -4.02 4.84 -2.92
1991
 18.91 -0.54 19.41 -2.35
1990
 7.70 -4.48 0.16 -7.10
1989
 17.84 -2.30 17.85 -0.92
1988
 6.90 -4.60 12.45 -1.92
1987
 -2.64 -10.87 5.68 -10.86
1986
 21.35 -3.93 22.44 -3.57
1985
 29.85 -3.33 28.90 -0.72
Mastering Etf Investing
The first official book of
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book