DFA Dimensional Retirement Income Fund Portfolio vs Scott Burns Couch Potato Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - June 2025 (~41 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1985/01 - 2025/06)
Inflation Adjusted:
DFA Dimensional Retirement Income Fund Portfolio
1.00$
Invested Capital
July 1995
4.96$
Final Capital
June 2025
5.48%
Yearly Return
4.69%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
July 1995
2.36$
Final Capital
June 2025
2.90%
Yearly Return
4.69%
Std Deviation
-18.19%
Max Drawdown
46months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
15.39$
Final Capital
June 2025
6.98%
Yearly Return
5.10%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
January 1985
5.06$
Final Capital
June 2025
4.09%
Yearly Return
5.10%
Std Deviation
-18.19%
Max Drawdown
46months*
Recovery Period
* in progress
Scott Burns Couch Potato Portfolio
1.00$
Invested Capital
July 1995
10.40$
Final Capital
June 2025
8.12%
Yearly Return
8.74%
Std Deviation
-27.04%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
July 1995
4.94$
Final Capital
June 2025
5.47%
Yearly Return
8.74%
Std Deviation
-28.24%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
37.87$
Final Capital
June 2025
9.39%
Yearly Return
9.04%
Std Deviation
-27.04%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
January 1985
12.46$
Final Capital
June 2025
6.43%
Yearly Return
9.04%
Std Deviation
-28.24%
Max Drawdown
36months
Recovery Period

As of June 2025, in the previous 30 Years, the DFA Dimensional Retirement Income Fund Portfolio obtained a 5.48% compound annual return, with a 4.69% standard deviation. It suffered a maximum drawdown of -12.91% that required 16 months to be recovered.

As of June 2025, in the previous 30 Years, the Scott Burns Couch Potato Portfolio obtained a 8.12% compound annual return, with a 8.74% standard deviation. It suffered a maximum drawdown of -27.04% that required 30 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.

DFA Dimensional Retirement Income Fund Portfolio
Weight
(%)		 Ticker Name
6.40
DFEOX
DFA US Core Equity 1
6.40
DFUSX
DFA US Large Company I
3.80
DFALX
DFA Large Cap International I
1.90
DFCEX
DFA Emerging Markets Core Equity I
1.90
DFIEX
DFA International Core Equity I
47.60
DIPSX
DFA Inflation-Protected Securities I
32.00
DFIHX
DFA One-Year Fixed-Income I
Scott Burns Couch Potato Portfolio
Weight
(%)		 Ticker Name
50.00
VTI
Vanguard Total Stock Market
50.00
TIP
iShares TIPS Bond
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Portfolio Returns as of Jun 30, 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
(1995/07 - 2025/06)
All Data
(1985/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional Retirement Income Fund
DFA 		1 $ 4.96 $ 395.54% 5.48%
Scott Burns Couch Potato
Scott Burns 		1 $ 10.40 $ 939.76% 8.12%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional Retirement Income Fund
DFA 		1 $ 2.36 $ 135.51% 2.90%
Scott Burns Couch Potato
Scott Burns 		1 $ 4.94 $ 394.16% 5.47%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional Retirement Income Fund
DFA 		1 $ 15.39 $ 1 438.69% 6.98%
Scott Burns Couch Potato
Scott Burns 		1 $ 37.87 $ 3 687.01% 9.39%
Jan 1985 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional Retirement Income Fund
DFA 		1 $ 5.06 $ 406.24% 4.09%
Scott Burns Couch Potato
Scott Burns 		1 $ 12.46 $ 1 145.95% 6.43%
Jan 1985 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_dfa.webp Dimensional Retirement Income Fund
DFA 		4.38 0.73 4.38 6.83 4.40 4.09 5.48 6.98
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_scott_burns.webp Couch Potato
Scott Burns 		5.13 3.02 5.13 10.60 8.53 7.77 8.12 9.39
Returns over 1 year are annualized.
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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 July 2024 - 30 June 2025 (1 year)
Period: 1 July 2020 - 30 June 2025 (5 years)
Period: 1 July 2015 - 30 June 2025 (10 years)
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1985 - 30 June 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/06)
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Dimensional Retirement Income Fund Couch Potato
Author DFA Scott Burns
ASSET ALLOCATION
Stocks 20.4% 50%
Fixed Income 79.6% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.83 10.60
Infl. Adjusted (%) 4.30 7.98
DRAWDOWN
Deepest Drawdown Depth (%) -1.43 -3.00
Start to Recovery (months) 5 7
Longest Drawdown Depth (%) -1.43 -3.00
Start to Recovery (months) 5 7
Longest Negative Period (months) 4 7
RISK INDICATORS
Standard Deviation (%) 3.32 7.04
Sharpe Ratio 0.66 0.85
Sortino Ratio 0.79 1.11
Ulcer Index 0.54 1.37
Ratio: Return / Standard Deviation 2.06 1.51
Ratio: Return / Deepest Drawdown 4.78 3.53
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Dimensional Retirement Income Fund Couch Potato
Author DFA Scott Burns
ASSET ALLOCATION
Stocks 20.4% 50%
Fixed Income 79.6% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.40 8.53
Infl. Adjusted (%) -0.12 3.83
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -19.77
Start to Recovery (months) 29 27
Longest Drawdown Depth (%) -12.16 -19.77
Start to Recovery (months) 29 27
Longest Negative Period (months) 34 32
RISK INDICATORS
Standard Deviation (%) 5.79 10.63
Sharpe Ratio 0.30 0.55
Sortino Ratio 0.39 0.73
Ulcer Index 4.23 7.30
Ratio: Return / Standard Deviation 0.76 0.80
Ratio: Return / Deepest Drawdown 0.36 0.43
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Dimensional Retirement Income Fund Couch Potato
Author DFA Scott Burns
ASSET ALLOCATION
Stocks 20.4% 50%
Fixed Income 79.6% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.09 7.77
Infl. Adjusted (%) 1.02 4.59
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -19.77
Start to Recovery (months) 29 27
Longest Drawdown Depth (%) -12.16 -19.77
Start to Recovery (months) 29 27
Longest Negative Period (months) 34 32
RISK INDICATORS
Standard Deviation (%) 4.89 9.47
Sharpe Ratio 0.46 0.63
Sortino Ratio 0.61 0.83
Ulcer Index 3.12 5.49
Ratio: Return / Standard Deviation 0.84 0.82
Ratio: Return / Deepest Drawdown 0.34 0.39
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Dimensional Retirement Income Fund Couch Potato
Author DFA Scott Burns
ASSET ALLOCATION
Stocks 20.4% 50%
Fixed Income 79.6% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.48 8.12
Infl. Adjusted (%) 2.90 5.47
DRAWDOWN
Deepest Drawdown Depth (%) -12.91 -27.04
Start to Recovery (months) 16 30
Longest Drawdown Depth (%) -12.16 -10.30
Start to Recovery (months) 29 33
Longest Negative Period (months) 34 62
RISK INDICATORS
Standard Deviation (%) 4.69 8.74
Sharpe Ratio 0.68 0.67
Sortino Ratio 0.89 0.88
Ulcer Index 2.48 5.17
Ratio: Return / Standard Deviation 1.17 0.93
Ratio: Return / Deepest Drawdown 0.42 0.30
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Dimensional Retirement Income Fund Couch Potato
Author DFA Scott Burns
ASSET ALLOCATION
Stocks 20.4% 50%
Fixed Income 79.6% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.98 9.39
Infl. Adjusted (%) 4.09 6.43
DRAWDOWN
Deepest Drawdown Depth (%) -12.91 -27.04
Start to Recovery (months) 16 30
Longest Drawdown Depth (%) -12.16 -10.30
Start to Recovery (months) 29 33
Longest Negative Period (months) 34 62
RISK INDICATORS
Standard Deviation (%) 5.10 9.04
Sharpe Ratio 0.75 0.69
Sortino Ratio 1.02 0.91
Ulcer Index 2.33 4.83
Ratio: Return / Standard Deviation 1.37 1.04
Ratio: Return / Deepest Drawdown 0.54 0.35
Metrics calculated over the period 1 January 1985 - 30 June 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 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1985 - 30 June 2025 (~41 years)
30 Years
(1995/07 - 2025/06)

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Dimensional Retirement Income Fund Couch Potato
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-27.04 30 Nov 2007
Apr 2010
-19.77 27 Jan 2022
Mar 2024
-12.91 16 Jun 2008
Sep 2009
-12.16 29 Jan 2022
May 2024
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003
-8.06 8 Sep 2018
Apr 2019
-8.06 5 Jul 1998
Nov 1998
-6.25 8 May 2011
Dec 2011
-6.09 5 May 2010
Sep 2010
-5.47 14 Mar 2015
Apr 2016
-4.64 5 Feb 2020
Jun 2020
-4.60 5 Apr 2000
Aug 2000
-4.34 10 May 2013
Feb 2014
-3.54 7 Apr 2004
Oct 2004

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Dimensional Retirement Income Fund Couch Potato
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-27.04 30 Nov 2007
Apr 2010
-19.77 27 Jan 2022
Mar 2024
-16.03 17 Sep 1987
Jan 1989
-12.91 16 Jun 2008
Sep 2009
-12.16 29 Jan 2022
May 2024
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003
-8.78 14 Feb 1994
Mar 1995
-8.06 8 Sep 2018
Apr 2019
-8.06 5 Jul 1998
Nov 1998
-7.58 6 Aug 1990
Jan 1991
-6.25 8 May 2011
Dec 2011
-6.09 15 Feb 1994
Apr 1995
-6.09 5 May 2010
Sep 2010
-5.55 5 Sep 1986
Jan 1987

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 - 30 June 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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Dimensional Retirement Income Fund Couch Potato
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.38 -0.15 5.13 -2.83
2024
 6.04 -1.43 12.73 -3.08
2023
 7.92 -3.32 14.66 -6.50
2022
 -9.39 -12.16 -16.31 -19.77
2021
 7.04 -1.33 15.67 -2.76
2020
 8.69 -4.64 15.93 -10.72
2019
 10.30 -0.66 19.51 -2.63
2018
 -1.96 -3.15 -3.32 -8.06
2017
 6.78 -0.31 12.07 0.00
2016
 4.66 -1.35 8.75 -2.08
2015
 -0.87 -3.41 -0.70 -5.47
2014
 2.89 -1.95 8.07 -2.34
2013
 1.29 -4.34 12.48 -3.18
2012
 7.36 -1.03 11.42 -2.32
2011
 6.06 -2.88 7.12 -6.25
2010
 6.92 -1.91 11.78 -6.09
2009
 12.97 -4.37 18.92 -9.98
2008
 -7.45 -12.44 -18.47 -22.29
2007
 9.18 -0.27 8.64 -1.70
2006
 5.72 -0.65 7.99 -1.54
2005
 4.07 -1.13 4.40 -1.83
2004
 7.31 -3.06 10.53 -3.54
2003
 11.38 -1.65 19.38 -1.09
2002
 5.44 -0.88 -1.93 -6.44
2001
 2.76 -1.59 -1.68 -8.57
2000
 7.94 -1.66 3.54 -5.60
1999
 4.99 -1.82 9.67 -3.30
1998
 10.20 -2.01 16.26 -8.06
1997
 11.97 -2.13 21.85 -3.41
1996
 5.90 -1.57 11.14 -2.76
1995
 18.82 0.00 29.40 0.00
1994
 -2.17 -6.09 -3.21 -8.78
1993
 13.67 -1.44 13.19 -1.53
1992
 5.89 -2.39 8.92 -2.25
1991
 18.32 -1.25 25.50 -2.55
1990
 4.76 -3.95 1.06 -7.58
1989
 16.98 -0.62 21.95 -1.62
1988
 9.77 -1.84 11.91 -2.50
1987
 3.26 -4.85 1.19 -16.03
1986
 17.53 -2.86 16.48 -5.55
1985
 23.48 -1.24 28.66 -1.87
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