All Country World 60/40 To EUR Portfolio vs US Stocks/Bonds 40/60 To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: August 1972 - March 2026 (~54 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond March 2026.
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Results
30 Years
(1996/04 - 2026/03)
All Data
(1972/08 - 2026/03)
Inflation Adjusted:
All Country World 60/40 To EUR Portfolio
1.00€
Invested Capital
April 1996
7.10€
Final Capital
March 2026
6.75%
Yearly Return
10.23%
Std Deviation
-34.41%
Max Drawdown
79months
Recovery Period
1.00€
Invested Capital
April 1996
3.92€
Final Capital
March 2026
4.66%
Yearly Return
10.23%
Std Deviation
-38.10%
Max Drawdown
160months
Recovery Period
1.00€
Invested Capital
August 1972
47.43€
Final Capital
March 2026
7.46%
Yearly Return
11.85%
Std Deviation
-36.70%
Max Drawdown
95months
Recovery Period
1.00€
Invested Capital
August 1972
11.35€
Final Capital
March 2026
4.63%
Yearly Return
11.85%
Std Deviation
-45.41%
Max Drawdown
123months
Recovery Period
US Stocks/Bonds 40/60 To EUR Portfolio
1.00€
Invested Capital
April 1996
7.82€
Final Capital
March 2026
7.09%
Yearly Return
9.69%
Std Deviation
-25.96%
Max Drawdown
115months
Recovery Period
1.00€
Invested Capital
April 1996
4.32€
Final Capital
March 2026
5.00%
Yearly Return
9.69%
Std Deviation
-38.49%
Max Drawdown
159months
Recovery Period
1.00€
Invested Capital
August 1972
76.52€
Final Capital
March 2026
8.42%
Yearly Return
11.40%
Std Deviation
-28.01%
Max Drawdown
50months
Recovery Period
1.00€
Invested Capital
August 1972
18.32€
Final Capital
March 2026
5.57%
Yearly Return
11.40%
Std Deviation
-38.49%
Max Drawdown
159months
Recovery Period

As of March 2026, in the previous 30 Years, the All Country World 60/40 To EUR Portfolio obtained a 6.75% compound annual return, with a 10.23% standard deviation. It suffered a maximum drawdown of -34.41% that required 79 months to be recovered.

As of March 2026, in the previous 30 Years, the US Stocks/Bonds 40/60 To EUR Portfolio obtained a 7.09% compound annual return, with a 9.69% standard deviation. It suffered a maximum drawdown of -25.96% that required 115 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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

All Country World 60/40 To EUR Portfolio
Weight
(%)		 Ticker Name
60.00
IUSQ.DE
iShares MSCI ACWI
40.00
EUNU.DE
iShares Core Global Aggregate Bond
US Stocks/Bonds 40/60 To EUR Portfolio
Weight
(%)		 Ticker Name
40.00
XD9U.DE
Xtrackers MSCI USA
60.00
EUNX.DE
iShares US Aggregate Bond
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Portfolio Returns as of Mar 31, 2026

Returns are calculated in EUR, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1996/04 - 2026/03)
All Data
(1972/08 - 2026/03)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 60/40 To EUR
 1 € 7.10 € 609.95% 6.75%
US Stocks/Bonds 40/60 To EUR
 1 € 7.82 € 681.66% 7.09%
Apr 1996 Mar 2026

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 60/40 To EUR
 1 € 3.92 € 292.44% 4.66%
US Stocks/Bonds 40/60 To EUR
 1 € 4.32 € 332.08% 5.00%
Apr 1996 Mar 2026

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 60/40 To EUR
 1 € 47.43 € 4 642.63% 7.46%
US Stocks/Bonds 40/60 To EUR
 1 € 76.52 € 7 552.22% 8.42%
Aug 1972 Mar 2026

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
All Country World 60/40 To EUR
 1 € 11.35 € 1 035.18% 4.63%
US Stocks/Bonds 40/60 To EUR
 1 € 18.32 € 1 731.61% 5.57%
Aug 1972 Mar 2026

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Return (%) as of Mar 31, 2026
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~54Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 60/40
-- Market Benchmark 		-1.76 -3.49 0.74 5.81 5.38 6.78 6.75 7.46
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks/Bonds 40/60
-- Market Benchmark 		-0.99 -1.14 1.01 2.22 5.03 6.33 7.09 8.42
Returns over 1 year are annualized.
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Portfolio Metrics as of Mar 31, 2026

The following metrics, updated as of 31 March 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 April 2025 - 31 March 2026 (1 year)
Period: 1 April 2021 - 31 March 2026 (5 years)
Period: 1 April 2016 - 31 March 2026 (10 years)
Period: 1 April 1996 - 31 March 2026 (30 years)
Period: 1 August 1972 - 31 March 2026 (~54 years)
1 Year
5 Years
10 Years
30 Years
All (1972/08 - 2026/03)
Swipe left to see all data
All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.81 2.22
Infl. Adjusted (%) 4.51 0.97
DRAWDOWN
Deepest Drawdown Depth (%) -3.49 -4.68
Start to Recovery (months) 1* 4
Longest Drawdown Depth (%) -0.70 -2.21
Start to Recovery (months) 4 5*
Longest Negative Period (months) 5* 5
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.74 7.98
Sharpe Ratio 0.23 -0.22
Sortino Ratio 0.32 -0.32
Ulcer Index 1.34 2.03
Ratio: Return / Standard Deviation 0.75 0.28
Ratio: Return / Deepest Drawdown 1.66 0.48
Metrics calculated over the period 1 April 2025 - 31 March 2026
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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.38 5.03
Infl. Adjusted (%) 1.32 0.99
DRAWDOWN
Deepest Drawdown Depth (%) -12.43 -10.69
Start to Recovery (months) 26 14*
Longest Drawdown Depth (%) -12.43 -10.40
Start to Recovery (months) 26 25
Longest Negative Period (months) 28 27
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.83 8.53
Sharpe Ratio 0.24 0.21
Sortino Ratio 0.33 0.30
Ulcer Index 5.22 4.75
Ratio: Return / Standard Deviation 0.61 0.59
Ratio: Return / Deepest Drawdown 0.43 0.47
Metrics calculated over the period 1 April 2021 - 31 March 2026
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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.78 6.33
Infl. Adjusted (%) 4.05 3.61
DRAWDOWN
Deepest Drawdown Depth (%) -12.43 -10.69
Start to Recovery (months) 26 14*
Longest Drawdown Depth (%) -12.43 -10.40
Start to Recovery (months) 26 25
Longest Negative Period (months) 28 27
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.41 7.92
Sharpe Ratio 0.55 0.53
Sortino Ratio 0.76 0.78
Ulcer Index 4.14 4.00
Ratio: Return / Standard Deviation 0.81 0.80
Ratio: Return / Deepest Drawdown 0.55 0.59
Metrics calculated over the period 1 April 2016 - 31 March 2026
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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.75 7.09
Infl. Adjusted (%) 4.66 5.00
DRAWDOWN
Deepest Drawdown Depth (%) -34.41 -25.96
Start to Recovery (months) 79 115
Longest Drawdown Depth (%) -34.41 -25.96
Start to Recovery (months) 79 115
Longest Negative Period (months) 119 130
RISK INDICATORS
Standard Deviation (%) 10.23 9.69
Sharpe Ratio 0.44 0.50
Sortino Ratio 0.60 0.72
Ulcer Index 10.82 10.30
Ratio: Return / Standard Deviation 0.66 0.73
Ratio: Return / Deepest Drawdown 0.20 0.27
Metrics calculated over the period 1 April 1996 - 31 March 2026
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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.46 8.42
Infl. Adjusted (%) 4.63 5.57
DRAWDOWN
Deepest Drawdown Depth (%) -36.70 -28.01
Start to Recovery (months) 95 50
Longest Drawdown Depth (%) -36.70 -25.96
Start to Recovery (months) 95 115
Longest Negative Period (months) 119 130
RISK INDICATORS
Standard Deviation (%) 11.85 11.40
Sharpe Ratio 0.26 0.35
Sortino Ratio 0.36 0.51
Ulcer Index 12.16 9.88
Ratio: Return / Standard Deviation 0.63 0.74
Ratio: Return / Deepest Drawdown 0.20 0.30
Metrics calculated over the period 1 August 1972 - 31 March 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 April 1996 - 31 March 2026 (30 years)
Period: 1 August 1972 - 31 March 2026 (~54 years)
30 Years
(1996/04 - 2026/03)

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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-34.41 79 Nov 2000
May 2007
-26.55 35 Jun 2007
Apr 2010
-25.96 115 Nov 2000
May 2010
-13.10 10 Apr 1998
Jan 1999
-12.43 26 Jan 2022
Feb 2024
-11.42 10 Feb 2020
Nov 2020
-10.69 14* Feb 2025
In progress
-10.40 25 Jan 2022
Jan 2024
-9.71 7 Aug 1997
Feb 1998
-9.71 7 Jul 1998
Jan 1999
-9.65 20 Apr 2015
Nov 2016
-9.48 9 Feb 2025
Oct 2025
-8.62 18 Mar 2017
Aug 2018
-7.03 8 Apr 2015
Nov 2015
-6.72 12 Jan 2011
Dec 2011

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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-36.70 95 Jan 1973
Nov 1980
-34.41 79 Nov 2000
May 2007
-29.76 42 Sep 1989
Feb 1993
-28.01 50 Mar 1985
Apr 1989
-26.55 35 Jun 2007
Apr 2010
-25.96 115 Nov 2000
May 2010
-23.92 36 Jan 1973
Dec 1975
-23.33 11 Sep 1987
Jul 1988
-22.97 20 Sep 1989
Apr 1991
-15.26 30 Jan 1977
Jun 1979
-14.48 24 Feb 1994
Jan 1996
-14.25 22 Feb 1994
Nov 1995
-13.10 10 Apr 1998
Jan 1999
-12.43 26 Jan 2022
Feb 2024
-11.42 10 Feb 2020
Nov 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 August 1972 - 31 March 2026 (~54 years)


Head To Head (Ptf 1 vs Ptf 2):
Eurozone 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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All Country World 60/40 To EUR US Stocks/Bonds 40/60 To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 -1.76 -3.49 -0.99 -1.14
2025
 3.66 -9.48 -0.92 -10.69
2024
 16.55 -1.67 17.17 -1.75
2023
 11.63 -4.23 9.68 -3.04
2022
 -12.43 -12.43 -10.40 -10.40
2021
 18.69 -1.25 19.04 -1.41
2020
 2.70 -11.42 2.43 -5.92
2019
 21.76 -2.52 20.61 -1.30
2018
 -2.46 -6.22 2.02 -4.09
2017
 3.09 -4.16 -2.80 -7.42
2016
 8.60 -3.52 9.39 -2.79
2015
 8.15 -9.65 11.68 -7.03
2014
 17.25 0.00 23.48 -0.26
2013
 7.70 -2.77 7.22 -2.61
2012
 7.96 -1.94 6.90 -4.45
2011
 1.14 -6.72 8.67 -5.30
2010
 17.63 -0.67 18.46 -6.28
2009
 19.06 -5.56 11.05 -4.40
2008
 -19.12 -19.12 -6.78 -11.18
2007
 0.62 -4.40 -3.83 -6.28
2006
 3.94 -5.41 -2.34 -7.78
2005
 20.69 -1.17 19.02 -1.38
2004
 5.73 -1.90 -0.05 -5.39
2003
 5.68 -4.43 -4.33 -7.24
2002
 -19.09 -21.47 -17.90 -20.94
2001
 -3.85 -14.98 6.49 -10.57
2000
 1.09 -12.44 9.69 -10.79
1999
 32.77 -5.44 26.91 -5.31
1998
 9.36 -13.10 7.31 -9.71
1997
 25.96 -9.71 34.68 -5.71
1996
 14.33 -5.60 12.64 -4.71
1995
 11.97 -4.21 20.24 -3.14
1994
 -8.46 -12.37 -10.79 -14.25
1993
 29.28 -1.96 19.13 -3.96
1992
 8.34 -13.18 19.77 -10.29
1991
 19.44 -8.97 24.85 -6.02
1990
 -17.29 -20.47 -10.41 -15.36
1989
 9.08 -11.68 17.59 -8.99
1988
 30.18 -4.16 24.42 -7.24
1987
 -4.02 -23.33 -16.53 -22.20
1986
 9.50 -8.19 -4.72 -11.00
1985
 11.44 -8.40 0.58 -11.26
1984
 20.81 -8.76 27.06 -9.17
1983
 34.93 -0.90 33.07 -1.07
1982
 26.21 -1.97 40.91 -1.53
1981
 16.78 -9.54 24.09 -7.05
1980
 29.95 -1.08 27.12 -3.38
1979
 1.70 -7.13 11.68 -7.28
1978
 -1.64 -15.52 -5.32 -9.76
1977
 -6.94 -6.94 -7.50 -7.92
1976
 5.67 -5.93 21.25 -1.38
1975
 28.83 -0.85 31.70 -5.92
1974
 -22.65 -24.53 -14.94 -18.28
1973
 -18.17 -25.05 -10.55 -22.41
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