Bill Bernstein Sheltered Sam 60/40 Portfolio vs DFA Dimensional 2030 Retirement Income Portfolio Portfolio Comparison

With the current simulation settings, as of June 2026, in the previous 30 Years:

• the Bill Bernstein Sheltered Sam 60/40 Portfolio obtained a 7.54% compound annual return, with a 9.34% standard deviation. It suffered a maximum drawdown of -34.12% that required 38 months to be recovered.
• the DFA Dimensional 2030 Retirement Income Portfolio obtained a 7.60% compound annual return, with a 9.31% standard deviation. It suffered a maximum drawdown of -31.78% that required 36 months to be recovered.

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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Bill Bernstein Sheltered Sam 60/40 Portfolio

1YRebalanced: every 12M
at every Jan 1^st

Weight (%)	Ticker		Name
15.00	VTV		Vanguard Value
12.00	VV		Vanguard Large-Cap
9.00	IJS		iShares S&P Small-Cap 600 Value
6.00	VNQ		Vanguard Real Estate
4.20	EFV		iShares MSCI EAFE Value
3.00	EEM		iShares MSCI Emerging Markets
3.00	IJR		iShares Core S&P Small-Cap
3.00	VGK		Vanguard FTSE Europe
3.00	VPL		Vanguard FTSE Pacific
24.00	SHY		iShares 1-3 Year Treasury Bond
16.00	TIP		iShares TIPS Bond
1.80	GLTR		Aberdeen Standard Physical Precious Metals Basket Shares

DFA Dimensional 2030 Retirement Income Portfolio

1YRebalanced: every 12M
at every Jan 1^st

Weight (%)	Ticker		Name
17.50	VTI		Vanguard Total Stock Market
17.50	VV		Vanguard Large-Cap
10.50	VEA		Vanguard FTSE Developed Markets
5.20	EEM		iShares MSCI Emerging Markets
5.20	VEU		Vanguard FTSE All-World ex-US
31.90	TIP		iShares TIPS Bond
6.10	BSV		Vanguard Short-Term Bond
6.10	BNDX		Vanguard Total International Bond

Portfolio Returns as of Jun 30, 2026

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Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

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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.

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.

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

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.

Your practical guide to Building Wealth.

Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.

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