Canada Total Bonds Portfolio vs US Stocks/Bonds 40/60 To CAD Portfolio Portfolio Comparison

Simulation Settings
Period: January 1988 - July 2025 (~38 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: CAD
Inflation: Canada
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1988/01 - 2025/07)
Inflation Adjusted:
Canada Total Bonds Portfolio
1.00$
Invested Capital
August 1995
3.63$
Final Capital
July 2025
4.39%
Yearly Return
4.46%
Std Deviation
-16.11%
Max Drawdown
60months*
Recovery Period
* in progress
1.00$
Invested Capital
August 1995
1.94$
Final Capital
July 2025
2.23%
Yearly Return
4.46%
Std Deviation
-27.39%
Max Drawdown
60months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1988
6.41$
Final Capital
July 2025
5.07%
Yearly Return
4.93%
Std Deviation
-16.11%
Max Drawdown
60months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1988
2.71$
Final Capital
July 2025
2.69%
Yearly Return
4.93%
Std Deviation
-27.39%
Max Drawdown
60months*
Recovery Period
* in progress
US Stocks/Bonds 40/60 To CAD Portfolio
1.00$
Invested Capital
August 1995
7.60$
Final Capital
July 2025
6.99%
Yearly Return
7.30%
Std Deviation
-14.58%
Max Drawdown
103months
Recovery Period
1.00$
Invested Capital
August 1995
4.06$
Final Capital
July 2025
4.78%
Yearly Return
7.30%
Std Deviation
-25.63%
Max Drawdown
137months
Recovery Period
1.00$
Invested Capital
January 1988
18.08$
Final Capital
July 2025
8.01%
Yearly Return
7.30%
Std Deviation
-14.58%
Max Drawdown
103months
Recovery Period
1.00$
Invested Capital
January 1988
7.65$
Final Capital
July 2025
5.56%
Yearly Return
7.30%
Std Deviation
-25.63%
Max Drawdown
137months
Recovery Period

As of July 2025, in the previous 30 Years, the Canada Total Bonds Portfolio obtained a 4.39% compound annual return, with a 4.46% standard deviation. It suffered a maximum drawdown of -16.11% which has been ongoing for 60 months and is still in progress.

As of July 2025, in the previous 30 Years, the US Stocks/Bonds 40/60 To CAD Portfolio obtained a 6.99% compound annual return, with a 7.30% standard deviation. It suffered a maximum drawdown of -14.58% that required 103 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.

Canada Total Bonds Portfolio
Weight
(%)		 Ticker Name
100.00
ZAG.TO
BMO Aggregate Bond Index
US Stocks/Bonds 40/60 To CAD Portfolio
Weight
(%)		 Ticker Name
40.00
VUN.TO
Vanguard US Total Market Index
60.00
ZUAG.TO
BMO US Aggregate Bond Index
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Portfolio Returns as of Jul 31, 2025

Returns are calculated in CAD, 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
(1988/01 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Canada Total Bonds
 1 $ 3.63 $ 262.89% 4.39%
US Stocks/Bonds 40/60 To CAD
 1 $ 7.60 $ 659.80% 6.99%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Canada Total Bonds
 1 $ 1.94 $ 94.03% 2.23%
US Stocks/Bonds 40/60 To CAD
 1 $ 4.06 $ 306.24% 4.78%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Canada Total Bonds
 1 $ 6.41 $ 540.93% 5.07%
US Stocks/Bonds 40/60 To CAD
 1 $ 18.08 $ 1 707.54% 8.01%
Jan 1988 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Canada Total Bonds
 1 $ 2.71 $ 171.34% 2.69%
US Stocks/Bonds 40/60 To CAD
 1 $ 7.65 $ 665.24% 5.56%
Jan 1988 Jul 2025

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Return (%) as of Jul 31, 2025
YTD
(7M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~38Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_canada.webp Canada Total Bonds
-- Market Benchmark 		0.06 -1.15 -0.87 2.69 -1.00 1.50 4.39 5.07
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks/Bonds 40/60
-- Market Benchmark 		1.37 2.39 -1.07 8.54 5.94 6.72 6.99 8.01
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 1988 - 31 July 2025 (~38 years)
1 Year
5 Years
10 Years
30 Years
All (1988/01 - 2025/07)
Swipe left to see all data
Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Author
ASSET ALLOCATION
Stocks 0% 40%
Fixed Income 100% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.69 8.54
Infl. Adjusted (%) 1.25 7.02
DRAWDOWN
Deepest Drawdown Depth (%) -1.85 -6.71
Start to Recovery (months) 5* 6*
Longest Drawdown Depth (%) -1.85 -6.71
Start to Recovery (months) 5* 6*
Longest Negative Period (months) 8* 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 3.10 7.76
Sharpe Ratio -0.60 0.52
Sortino Ratio -0.88 0.66
Ulcer Index 0.69 2.68
Ratio: Return / Standard Deviation 0.87 1.10
Ratio: Return / Deepest Drawdown 1.46 1.27
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Author
ASSET ALLOCATION
Stocks 0% 40%
Fixed Income 100% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) -1.00 5.94
Infl. Adjusted (%) -4.52 2.18
DRAWDOWN
Deepest Drawdown Depth (%) -16.11 -13.33
Start to Recovery (months) 60* 24
Longest Drawdown Depth (%) -16.11 -13.33
Start to Recovery (months) 60* 24
Longest Negative Period (months) 60* 29
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.10 7.29
Sharpe Ratio -0.61 0.44
Sortino Ratio -0.90 0.61
Ulcer Index 9.13 4.87
Ratio: Return / Standard Deviation -0.16 0.81
Ratio: Return / Deepest Drawdown -0.06 0.45
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Author
ASSET ALLOCATION
Stocks 0% 40%
Fixed Income 100% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.50 6.72
Infl. Adjusted (%) -1.06 4.02
DRAWDOWN
Deepest Drawdown Depth (%) -16.11 -13.33
Start to Recovery (months) 60* 24
Longest Drawdown Depth (%) -16.11 -13.33
Start to Recovery (months) 60* 24
Longest Negative Period (months) 88 29
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.33 7.10
Sharpe Ratio -0.07 0.68
Sortino Ratio -0.10 0.97
Ulcer Index 6.56 3.76
Ratio: Return / Standard Deviation 0.28 0.95
Ratio: Return / Deepest Drawdown 0.09 0.50
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Author
ASSET ALLOCATION
Stocks 0% 40%
Fixed Income 100% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.39 6.99
Infl. Adjusted (%) 2.23 4.78
DRAWDOWN
Deepest Drawdown Depth (%) -16.11 -14.58
Start to Recovery (months) 60* 103
Longest Drawdown Depth (%) -16.11 -14.58
Start to Recovery (months) 60* 103
Longest Negative Period (months) 88 110
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.46 7.30
Sharpe Ratio 0.48 0.65
Sortino Ratio 0.67 0.93
Ulcer Index 3.91 5.03
Ratio: Return / Standard Deviation 0.98 0.96
Ratio: Return / Deepest Drawdown 0.27 0.48
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Author
ASSET ALLOCATION
Stocks 0% 40%
Fixed Income 100% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.07 8.01
Infl. Adjusted (%) 2.69 5.56
DRAWDOWN
Deepest Drawdown Depth (%) -16.11 -14.58
Start to Recovery (months) 60* 103
Longest Drawdown Depth (%) -16.11 -14.58
Start to Recovery (months) 60* 103
Longest Negative Period (months) 88 110
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.93 7.30
Sharpe Ratio 0.44 0.70
Sortino Ratio 0.61 1.01
Ulcer Index 3.95 4.54
Ratio: Return / Standard Deviation 1.03 1.10
Ratio: Return / Deepest Drawdown 0.31 0.55
Metrics calculated over the period 1 January 1988 - 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 1988 - 31 July 2025 (~38 years)
30 Years
(1995/08 - 2025/07)

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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.11 60* Aug 2020
In progress
-14.58 103 Apr 2002
Oct 2010
-13.33 24 Jan 2022
Dec 2023
-7.00 7 Jan 2016
Jul 2016
-6.71 6* Feb 2025
In progress
-6.57 7 May 2017
Nov 2017
-3.96 12 May 2013
Apr 2014
-3.83 4 Apr 2015
Jul 2015
-3.51 27 Oct 2016
Dec 2018
-3.40 11 May 1999
Mar 2000
-3.36 4 Aug 1999
Nov 1999
-3.31 4 Sep 2008
Dec 2008
-3.11 6 Sep 2018
Feb 2019
-2.89 2 Mar 2020
Apr 2020
-2.73 6 Feb 1999
Jul 1999

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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.11 60* Aug 2020
In progress
-14.58 103 Apr 2002
Oct 2010
-13.33 24 Jan 2022
Dec 2023
-12.82 22 Feb 1994
Nov 1995
-7.00 7 Jan 2016
Jul 2016
-6.71 6* Feb 2025
In progress
-6.57 7 May 2017
Nov 2017
-6.05 6 Jul 1990
Dec 1990
-4.45 5 Nov 1988
Mar 1989
-3.96 12 May 2013
Apr 2014
-3.83 4 Apr 2015
Jul 2015
-3.69 8 Mar 1988
Oct 1988
-3.51 27 Oct 2016
Dec 2018
-3.40 11 May 1999
Mar 2000
-3.36 4 Sep 1994
Dec 1994

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 1988 - 31 July 2025 (~38 years)


Head To Head (Ptf 1 vs Ptf 2):
Canada 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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Canada Total Bonds US Stocks/Bonds 40/60 To CAD
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 0.06 -1.85 1.37 -6.71
2024
 4.48 -3.19 19.17 -2.13
2023
 6.07 -5.97 11.54 -3.46
2022
 -11.63 -12.74 -9.81 -13.33
2021
 -2.61 -5.12 8.25 -2.21
2020
 8.07 -2.89 10.70 -2.55
2019
 6.83 -1.67 11.75 -1.46
2018
 1.12 -1.97 5.92 -3.11
2017
 2.47 -3.11 3.44 -6.57
2016
 1.86 -3.33 3.02 -7.00
2015
 3.24 -2.58 18.79 -3.83
2014
 8.79 -0.69 19.28 -0.73
2013
 -1.83 -3.96 20.08 -0.20
2012
 3.17 -0.69 5.58 -0.74
2011
 10.16 -0.65 7.49 -2.27
2010
 5.02 -2.06 4.90 -1.33
2009
 6.53 -1.27 -1.67 -9.07
2008
 4.11 -3.31 9.05 -3.79
2007
 2.12 -2.22 -9.09 -14.50
2006
 3.04 -1.95 9.11 -6.80
2005
 5.61 -1.72 0.47 -5.59
2004
 5.66 -2.50 -0.15 -8.89
2003
 5.79 -1.52 -5.43 -8.02
2002
 7.52 -2.08 -4.41 -7.92
2001
 6.66 -1.27 6.93 -1.83
2000
 9.07 -0.97 6.35 -2.55
1999
 -2.18 -2.65 3.05 -3.36
1998
 7.58 -1.77 22.54 -2.11
1997
 8.26 -1.37 23.12 -1.44
1996
 10.46 -2.17 11.06 -1.41
1995
 16.56 -1.76 21.86 -1.40
1994
 -9.31 -12.82 4.31 -3.36
1993
 20.91 -0.38 14.43 -0.30
1992
 7.48 -1.89 18.73 -0.84
1991
 15.21 -0.84 21.66 -2.24
1990
 4.84 -2.35 2.88 -6.05
1989
 8.79 -1.49 16.12 -0.24
1988
 7.00 -3.01 2.16 -4.45
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