Bill Bernstein Sheltered Sam 0/100 Portfolio vs Vanguard LifeStrategy Income Fund Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - July 2025 (~41 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Bill Bernstein Sheltered Sam 0/100 Portfolio
1.00$
Invested Capital
August 1995
3.09$
Final Capital
July 2025
3.84%
Yearly Return
3.08%
Std Deviation
-8.61%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
August 1995
1.47$
Final Capital
July 2025
1.29%
Yearly Return
3.08%
Std Deviation
-19.97%
Max Drawdown
60months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
8.12$
Final Capital
July 2025
5.30%
Yearly Return
3.63%
Std Deviation
-8.61%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1985
2.66$
Final Capital
July 2025
2.44%
Yearly Return
3.63%
Std Deviation
-19.97%
Max Drawdown
60months*
Recovery Period
* in progress
Vanguard LifeStrategy Income Fund Portfolio
1.00$
Invested Capital
August 1995
4.92$
Final Capital
July 2025
5.45%
Yearly Return
4.80%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
August 1995
2.33$
Final Capital
July 2025
2.87%
Yearly Return
4.80%
Std Deviation
-24.95%
Max Drawdown
55months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
15.77$
Final Capital
July 2025
7.03%
Yearly Return
5.13%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
January 1985
5.17$
Final Capital
July 2025
4.13%
Yearly Return
5.13%
Std Deviation
-24.95%
Max Drawdown
55months*
Recovery Period
* in progress

As of July 2025, in the previous 30 Years, the Bill Bernstein Sheltered Sam 0/100 Portfolio obtained a 3.84% compound annual return, with a 3.08% standard deviation. It suffered a maximum drawdown of -8.61% that required 38 months to be recovered.

As of July 2025, in the previous 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.45% 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.

Bill Bernstein Sheltered Sam 0/100 Portfolio
Weight
(%)		 Ticker Name
60.00
SHY
iShares 1-3 Year Treasury Bond
40.00
TIP
iShares TIPS 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 Jul 31, 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
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Bill Bernstein Sheltered Sam 0/100
Bill Bernstein 		1 $ 3.09 $ 209.33% 3.84%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 4.92 $ 391.98% 5.45%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Bill Bernstein Sheltered Sam 0/100
Bill Bernstein 		1 $ 1.47 $ 46.78% 1.29%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 2.33 $ 133.46% 2.87%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Bill Bernstein Sheltered Sam 0/100
Bill Bernstein 		1 $ 8.12 $ 711.96% 5.30%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 15.77 $ 1 476.87% 7.03%
Jan 1985 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Bill Bernstein Sheltered Sam 0/100
Bill Bernstein 		1 $ 2.66 $ 166.38% 2.44%
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 5.17 $ 417.31% 4.13%
Jan 1985 Jul 2025

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Return (%) as of Jul 31, 2025
YTD
(7M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_bernstein.webp Sheltered Sam 0/100
Bill Bernstein 		3.46 -0.05 2.67 4.11 0.97 1.82 3.84 5.30
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Income Fund
Vanguard 		4.90 0.02 3.83 5.91 1.89 3.57 5.45 7.03
Returns over 1 year are annualized.
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Portfolio Metrics as of Jul 31, 2025

The following metrics, updated as of 31 July 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 August 2024 - 31 July 2025 (1 year)
Period: 1 August 2020 - 31 July 2025 (5 years)
Period: 1 August 2015 - 31 July 2025 (10 years)
Period: 1 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/07)
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Sheltered Sam 0/100 LifeStrategy Income Fund
Author Bill Bernstein Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.11 5.91
Infl. Adjusted (%) 1.51 3.26
DRAWDOWN
Deepest Drawdown Depth (%) -1.27 -2.00
Start to Recovery (months) 5 5
Longest Drawdown Depth (%) -1.27 -2.00
Start to Recovery (months) 5 5
Longest Negative Period (months) 4 6
RISK INDICATORS
Standard Deviation (%) 2.39 4.50
Sharpe Ratio -0.18 0.31
Sortino Ratio -0.22 0.38
Ulcer Index 0.54 0.85
Ratio: Return / Standard Deviation 1.72 1.31
Ratio: Return / Deepest Drawdown 3.23 2.96
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Sheltered Sam 0/100 LifeStrategy Income Fund
Author Bill Bernstein Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 0.97 1.89
Infl. Adjusted (%) -3.35 -2.47
DRAWDOWN
Deepest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Negative Period (months) 47 45
RISK INDICATORS
Standard Deviation (%) 3.42 7.11
Sharpe Ratio -0.52 -0.12
Sortino Ratio -0.69 -0.17
Ulcer Index 3.94 7.28
Ratio: Return / Standard Deviation 0.28 0.27
Ratio: Return / Deepest Drawdown 0.11 0.11
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Sheltered Sam 0/100 LifeStrategy Income Fund
Author Bill Bernstein Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.82 3.57
Infl. Adjusted (%) -1.20 0.50
DRAWDOWN
Deepest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Negative Period (months) 48 52
RISK INDICATORS
Standard Deviation (%) 2.77 5.80
Sharpe Ratio -0.02 0.29
Sortino Ratio -0.02 0.40
Ulcer Index 2.82 5.22
Ratio: Return / Standard Deviation 0.66 0.62
Ratio: Return / Deepest Drawdown 0.21 0.21
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Sheltered Sam 0/100 LifeStrategy Income Fund
Author Bill Bernstein Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.84 5.45
Infl. Adjusted (%) 1.29 2.87
DRAWDOWN
Deepest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Drawdown Depth (%) -3.63 -16.61
Start to Recovery (months) 38 37
Longest Negative Period (months) 49 52
RISK INDICATORS
Standard Deviation (%) 3.08 4.80
Sharpe Ratio 0.51 0.66
Sortino Ratio 0.71 0.89
Ulcer Index 1.87 3.31
Ratio: Return / Standard Deviation 1.24 1.14
Ratio: Return / Deepest Drawdown 0.45 0.33
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Sheltered Sam 0/100 LifeStrategy Income Fund
Author Bill Bernstein Vanguard
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.30 7.03
Infl. Adjusted (%) 2.44 4.13
DRAWDOWN
Deepest Drawdown Depth (%) -8.61 -16.61
Start to Recovery (months) 38 37
Longest Drawdown Depth (%) -3.63 -16.61
Start to Recovery (months) 38 37
Longest Negative Period (months) 49 52
RISK INDICATORS
Standard Deviation (%) 3.63 5.13
Sharpe Ratio 0.59 0.75
Sortino Ratio 0.85 1.04
Ulcer Index 1.79 2.98
Ratio: Return / Standard Deviation 1.46 1.37
Ratio: Return / Deepest Drawdown 0.61 0.42
Metrics calculated over the period 1 January 1985 - 31 July 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 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
30 Years
(1995/08 - 2025/07)

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Sheltered Sam 0/100 LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.61 37 Sep 2021
Sep 2024
-10.54 15 May 2008
Jul 2009
-8.61 38 Jan 2022
Feb 2025
-4.47 4 Feb 2020
May 2020
-3.67 4 Sep 2008
Dec 2008
-3.63 38 May 2013
Jun 2016
-3.36 6 May 2013
Oct 2013
-3.19 9 Feb 1996
Oct 1996
-2.63 6 Dec 1996
May 1997
-2.60 5 Apr 2004
Aug 2004
-2.58 7 Oct 2016
Apr 2017
-2.43 11 May 2015
Mar 2016
-2.40 4 Jun 2003
Sep 2003
-2.37 5 Sep 2018
Jan 2019
-2.22 6 Apr 2004
Sep 2004

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Sheltered Sam 0/100 LifeStrategy Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.61 37 Sep 2021
Sep 2024
-10.54 15 May 2008
Jul 2009
-8.61 38 Jan 2022
Feb 2025
-5.45 15 Feb 1994
Apr 1995
-5.22 14 Feb 1994
Mar 1995
-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
-3.71 9 Mar 1987
Nov 1987
-3.67 4 Sep 2008
Dec 2008
-3.63 38 May 2013
Jun 2016
-3.36 6 May 2013
Oct 2013
-3.19 9 Feb 1996
Oct 1996
-2.63 6 Dec 1996
May 1997

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 July 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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Sheltered Sam 0/100 LifeStrategy Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 3.46 -0.41 4.90 -0.93
2024
 3.01 -1.27 4.93 -2.43
2023
 3.69 -2.11 9.53 -5.05
2022
 -7.57 -8.61 -14.00 -16.30
2021
 1.84 -0.85 2.15 -1.71
2020
 6.16 -0.46 8.85 -4.47
2019
 5.37 -0.54 12.26 -0.05
2018
 0.31 -0.98 -1.15 -2.37
2017
 1.33 -0.45 7.31 0.00
2016
 2.37 -1.38 4.45 -2.58
2015
 -0.44 -2.08 0.26 -2.43
2014
 1.71 -1.12 6.50 -0.99
2013
 -3.27 -3.63 3.78 -3.36
2012
 2.72 -0.71 7.54 -1.14
2011
 6.17 -0.06 5.49 -1.55
2010
 3.82 -1.48 8.55 -1.00
2009
 3.79 -1.37 12.18 -5.19
2008
 3.99 -3.67 -4.64 -10.54
2007
 9.18 -0.57 6.96 -0.49
2006
 2.45 -0.88 7.11 -0.79
2005
 1.92 -1.22 4.54 -1.40
2004
 3.71 -2.60 7.04 -2.22
2003
 4.53 -2.40 10.09 -1.74
2002
 11.46 -1.53 3.19 -1.88
2001
 7.72 -2.01 4.39 -1.61
2000
 12.36 -0.07 6.07 -1.88
1999
 -0.68 -1.98 4.89 -1.98
1998
 8.12 -0.19 12.95 -1.57
1997
 8.99 -0.99 7.78 -1.74
1996
 3.17 -3.19 6.01 -0.91
1995
 16.47 -0.04 19.89 0.00
1994
 -2.79 -5.22 -2.48 -5.45
1993
 10.08 -0.67 13.03 -1.55
1992
 7.54 -1.65 6.76 -2.36
1991
 14.34 -0.03 18.32 -1.28
1990
 9.23 -1.24 3.86 -4.35
1989
 13.20 -1.60 14.71 -1.34
1988
 6.01 -1.98 10.36 -1.32
1987
 2.77 -3.71 4.45 -4.47
1986
 13.57 -1.99 19.21 -2.56
1985
 18.72 -1.78 26.25 -1.52
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