Craig Israelsen 7Twelve Portfolio vs Vanguard LifeStrategy Moderate Growth Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - March 2026 (~41 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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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
(1985/01 - 2026/03)
Inflation Adjusted:
Craig Israelsen Craig Israelsen 7Twelve Portfolio
1.00$
Invested Capital
April 1996
7.30$
Final Capital
March 2026
6.85%
Yearly Return
9.77%
Std Deviation
-37.96%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
April 1996
3.46$
Final Capital
March 2026
4.23%
Yearly Return
9.77%
Std Deviation
-37.23%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
January 1985
31.37$
Final Capital
March 2026
8.71%
Yearly Return
9.37%
Std Deviation
-37.96%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
January 1985
10.10$
Final Capital
March 2026
5.77%
Yearly Return
9.37%
Std Deviation
-37.23%
Max Drawdown
35months
Recovery Period
Vanguard Vanguard LifeStrategy Moderate Growth Portfolio
1.00$
Invested Capital
April 1996
7.94$
Final Capital
March 2026
7.15%
Yearly Return
9.61%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
April 1996
3.77$
Final Capital
March 2026
4.52%
Yearly Return
9.61%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
34.03$
Final Capital
March 2026
8.93%
Yearly Return
9.54%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
10.96$
Final Capital
March 2026
5.98%
Yearly Return
9.54%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period

As of March 2026, in the previous 30 Years, the Craig Israelsen 7Twelve Portfolio obtained a 6.85% compound annual return, with a 9.77% standard deviation. It suffered a maximum drawdown of -37.96% that required 33 months to be recovered.

As of March 2026, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.15% compound annual return, with a 9.61% standard deviation. It suffered a maximum drawdown of -33.52% that required 36 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.

Craig Israelsen
Craig Israelsen 7Twelve Portfolio
Weight
(%)		 Ticker Name
8.34
VNQ
Vanguard Real Estate
8.34
VV
Vanguard Large-Cap
8.33
EEM
iShares MSCI Emerging Markets
8.33
EFA
iShares MSCI EAFE
8.33
IJR
iShares Core S&P Small-Cap
8.33
VO
Vanguard Mid-Cap
25.00
IEI
iShares 3-7 Year Treasury Bond
8.34
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
16.66
GSG
iShares S&P GSCI Commodity Indexed Trust
Vanguard
Vanguard LifeStrategy Moderate Growth Portfolio
Weight
(%)		 Ticker Name
36.00
VTI
Vanguard Total Stock Market
24.00
VEU
Vanguard FTSE All-World ex-US
28.00
BND
Vanguard Total Bond Market
12.00
BNDX
Vanguard Total International Bond
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Portfolio Returns as of Mar 31, 2026

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
(1996/04 - 2026/03)
All Data
(1985/01 - 2026/03)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Craig Israelsen 7Twelve Portfolio
Craig Israelsen 		1 $ 7.30 $ 629.74% 6.85%
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 7.94 $ 694.49% 7.15%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Craig Israelsen 7Twelve Portfolio
Craig Israelsen 		1 $ 3.46 $ 246.44% 4.23%
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 3.77 $ 277.18% 4.52%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Craig Israelsen 7Twelve Portfolio
Craig Israelsen 		1 $ 31.37 $ 3 037.06% 8.71%
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 34.03 $ 3 302.64% 8.93%
Jan 1985 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Craig Israelsen 7Twelve Portfolio
Craig Israelsen 		1 $ 10.10 $ 910.43% 5.77%
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 10.96 $ 995.97% 5.98%
Jan 1985 Mar 2026

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Return (%) as of Mar 31, 2026
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_craig_israelsen.webp 7Twelve Portfolio
Craig Israelsen 		7.06 0.70 8.47 17.82 7.29 7.23 6.85 8.71
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Moderate Growth
Vanguard 		-0.91 -4.56 1.53 14.66 6.06 7.92 7.15 8.93
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 January 1985 - 31 March 2026 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2026/03)
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7Twelve Portfolio LifeStrategy Moderate Growth
Author Craig Israelsen Vanguard
ASSET ALLOCATION
Stocks 50% 60%
Fixed Income 33.34% 40%
Commodities 16.66% 0%
PERFORMANCES
Annualized Return (%) 17.82 14.66
Infl. Adjusted (%) 14.99 11.91
DRAWDOWN
Deepest Drawdown Depth (%) -1.47 -4.56
Start to Recovery (months) 2 1*
Longest Drawdown Depth (%) -1.47 -4.56
Start to Recovery (months) 2 1*
Longest Negative Period (months) 1 5*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.77 6.83
Sharpe Ratio 2.90 1.56
Sortino Ratio 4.02 1.82
Ulcer Index 0.41 1.26
Ratio: Return / Standard Deviation 3.74 2.15
Ratio: Return / Deepest Drawdown 12.14 3.22
Metrics calculated over the period 1 April 2025 - 31 March 2026
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7Twelve Portfolio LifeStrategy Moderate Growth
Author Craig Israelsen Vanguard
ASSET ALLOCATION
Stocks 50% 60%
Fixed Income 33.34% 40%
Commodities 16.66% 0%
PERFORMANCES
Annualized Return (%) 7.29 6.06
Infl. Adjusted (%) 2.83 1.65
DRAWDOWN
Deepest Drawdown Depth (%) -13.28 -20.84
Start to Recovery (months) 23 27
Longest Drawdown Depth (%) -13.28 -20.84
Start to Recovery (months) 23 27
Longest Negative Period (months) 30 32
RISK INDICATORS
Standard Deviation (%) 8.88 10.49
Sharpe Ratio 0.45 0.27
Sortino Ratio 0.59 0.35
Ulcer Index 4.00 7.47
Ratio: Return / Standard Deviation 0.82 0.58
Ratio: Return / Deepest Drawdown 0.55 0.29
Metrics calculated over the period 1 April 2021 - 31 March 2026
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7Twelve Portfolio LifeStrategy Moderate Growth
Author Craig Israelsen Vanguard
ASSET ALLOCATION
Stocks 50% 60%
Fixed Income 33.34% 40%
Commodities 16.66% 0%
PERFORMANCES
Annualized Return (%) 7.23 7.92
Infl. Adjusted (%) 3.87 4.54
DRAWDOWN
Deepest Drawdown Depth (%) -17.90 -20.84
Start to Recovery (months) 11 27
Longest Drawdown Depth (%) -13.28 -20.84
Start to Recovery (months) 23 27
Longest Negative Period (months) 39 35
RISK INDICATORS
Standard Deviation (%) 9.34 9.71
Sharpe Ratio 0.55 0.60
Sortino Ratio 0.69 0.78
Ulcer Index 4.22 5.62
Ratio: Return / Standard Deviation 0.77 0.82
Ratio: Return / Deepest Drawdown 0.40 0.38
Metrics calculated over the period 1 April 2016 - 31 March 2026
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7Twelve Portfolio LifeStrategy Moderate Growth
Author Craig Israelsen Vanguard
ASSET ALLOCATION
Stocks 50% 60%
Fixed Income 33.34% 40%
Commodities 16.66% 0%
PERFORMANCES
Annualized Return (%) 6.85 7.15
Infl. Adjusted (%) 4.23 4.52
DRAWDOWN
Deepest Drawdown Depth (%) -37.96 -33.52
Start to Recovery (months) 33 36
Longest Drawdown Depth (%) -14.54 -20.87
Start to Recovery (months) 37 45
Longest Negative Period (months) 73 61
RISK INDICATORS
Standard Deviation (%) 9.77 9.61
Sharpe Ratio 0.47 0.51
Sortino Ratio 0.61 0.67
Ulcer Index 7.03 7.18
Ratio: Return / Standard Deviation 0.70 0.74
Ratio: Return / Deepest Drawdown 0.18 0.21
Metrics calculated over the period 1 April 1996 - 31 March 2026
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7Twelve Portfolio LifeStrategy Moderate Growth
Author Craig Israelsen Vanguard
ASSET ALLOCATION
Stocks 50% 60%
Fixed Income 33.34% 40%
Commodities 16.66% 0%
PERFORMANCES
Annualized Return (%) 8.71 8.93
Infl. Adjusted (%) 5.77 5.98
DRAWDOWN
Deepest Drawdown Depth (%) -37.96 -33.52
Start to Recovery (months) 33 36
Longest Drawdown Depth (%) -14.54 -20.87
Start to Recovery (months) 37 45
Longest Negative Period (months) 73 61
RISK INDICATORS
Standard Deviation (%) 9.37 9.54
Sharpe Ratio 0.59 0.60
Sortino Ratio 0.76 0.79
Ulcer Index 6.17 6.35
Ratio: Return / Standard Deviation 0.93 0.94
Ratio: Return / Deepest Drawdown 0.23 0.27
Metrics calculated over the period 1 January 1985 - 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 January 1985 - 31 March 2026 (~41 years)
30 Years
(1996/04 - 2026/03)

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7Twelve Portfolio LifeStrategy Moderate Growth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-37.96 33 Jun 2008
Feb 2011
-33.52 36 Nov 2007
Oct 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-17.90 11 Jan 2020
Nov 2020
-14.54 37 Jul 2014
Jul 2017
-13.54 13 Apr 1998
Apr 1999
-13.50 20 May 2011
Dec 2012
-13.28 23 Apr 2022
Feb 2024
-12.56 7 Jan 2020
Jul 2020
-11.06 10 May 2011
Feb 2012
-10.05 27 Feb 2001
Apr 2003
-9.83 7 Oct 2018
Apr 2019
-8.89 5 Jul 1998
Nov 1998
-7.60 14 Feb 2018
Mar 2019

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7Twelve Portfolio LifeStrategy Moderate Growth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-37.96 33 Jun 2008
Feb 2011
-33.52 36 Nov 2007
Oct 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-17.90 11 Jan 2020
Nov 2020
-14.69 14 Sep 1987
Oct 1988
-14.54 37 Jul 2014
Jul 2017
-13.54 13 Apr 1998
Apr 1999
-13.50 20 May 2011
Dec 2012
-13.43 14 Sep 1987
Oct 1988
-13.28 23 Apr 2022
Feb 2024
-12.56 7 Jan 2020
Jul 2020
-11.27 14 Jan 1990
Feb 1991
-11.06 10 May 2011
Feb 2012
-10.05 27 Feb 2001
Apr 2003

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 March 2026 (~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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7Twelve Portfolio LifeStrategy Moderate Growth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 7.06 0.00 -0.91 -4.56
2025
 11.77 -2.26 16.25 -2.11
2024
 7.64 -2.38 10.72 -3.05
2023
 8.76 -6.62 15.75 -7.49
2022
 -7.91 -13.28 -15.97 -20.84
2021
 16.41 -3.52 10.43 -2.95
2020
 3.64 -17.90 12.96 -12.56
2019
 17.04 -3.93 19.70 -3.22
2018
 -6.60 -9.83 -4.98 -7.60
2017
 11.15 -0.23 15.50 0.00
2016
 7.88 -3.46 7.06 -3.07
2015
 -6.71 -8.96 -0.72 -6.65
2014
 -0.27 -5.11 6.10 -2.10
2013
 9.98 -2.34 14.76 -2.66
2012
 9.05 -5.96 12.49 -5.08
2011
 -0.33 -13.50 0.23 -11.06
2010
 12.87 -7.69 11.87 -6.75
2009
 19.77 -13.75 22.28 -12.11
2008
 -24.01 -29.50 -22.10 -25.50
2007
 11.31 -2.37 8.20 -2.89
2006
 12.08 -2.41 13.59 -2.35
2005
 11.36 -3.44 7.28 -2.18
2004
 14.33 -5.06 11.52 -2.39
2003
 25.20 -1.95 22.34 -2.55
2002
 4.93 -5.27 -7.56 -12.50
2001
 -4.66 -10.05 -5.13 -12.36
2000
 11.53 -2.79 -3.26 -7.36
1999
 19.24 -3.02 15.58 -2.55
1998
 -1.40 -13.54 16.58 -8.89
1997
 7.34 -3.49 13.04 -3.76
1996
 16.09 -3.26 10.23 -2.46
1995
 18.64 -1.07 21.48 -0.41
1994
 -1.53 -6.66 0.66 -4.62
1993
 17.28 -3.19 15.69 -3.38
1992
 5.45 -2.13 3.16 -4.08
1991
 26.17 -3.31 20.78 -3.35
1990
 1.68 -5.15 -4.85 -11.27
1989
 27.09 -1.51 18.36 -1.05
1988
 17.78 -2.03 15.51 -2.43
1987
 3.08 -13.43 9.10 -14.69
1986
 16.22 -3.66 26.65 -3.93
1985
 24.57 -0.68 32.63 -1.51
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