The Lazy Team Dynamic 40/60 Income Portfolio vs Aim Ways Aim comfortable trip Portfolio Portfolio Comparison

Simulation Settings

Period: January 1992 - February 2026 (~34 years)
Consolidated Returns as of 28 February 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

30 Years
(1996/03 - 2026/02)

All Data
(1992/01 - 2026/02)

Inflation Adjusted:

The Lazy Team Dynamic 40/60 Income Portfolio

1.00$
Invested Capital
March 1996
7.50$
Final Capital
February 2026
6.95%
Yearly Return
8.10%
Std Deviation
-29.84%
Max Drawdown
26months
Recovery Period

1.00$
Invested Capital
March 1996
3.55$
Final Capital
February 2026
4.31%
Yearly Return
8.10%
Std Deviation
-31.61%
Max Drawdown
34months
Recovery Period

1.00$
Invested Capital
January 1992
11.72$
Final Capital
February 2026
7.47%
Yearly Return
7.75%
Std Deviation
-29.84%
Max Drawdown
26months
Recovery Period

1.00$
Invested Capital
January 1992
4.94$
Final Capital
February 2026
4.79%
Yearly Return
7.75%
Std Deviation
-31.61%
Max Drawdown
34months
Recovery Period

Aim Ways Aim comfortable trip Portfolio

1.00$
Invested Capital
March 1996
10.20$
Final Capital
February 2026
8.05%
Yearly Return
7.65%
Std Deviation
-20.15%
Max Drawdown
23months
Recovery Period

1.00$
Invested Capital
March 1996
4.82$
Final Capital
February 2026
5.39%
Yearly Return
7.65%
Std Deviation
-22.16%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
January 1992
15.20$
Final Capital
February 2026
8.29%
Yearly Return
7.34%
Std Deviation
-20.15%
Max Drawdown
23months
Recovery Period

1.00$
Invested Capital
January 1992
6.42$
Final Capital
February 2026
5.59%
Yearly Return
7.34%
Std Deviation
-22.16%
Max Drawdown
40months
Recovery Period

As of February 2026, in the previous 30 Years, the The Lazy Team Dynamic 40/60 Income Portfolio obtained a 6.95% compound annual return, with a 8.10% standard deviation. It suffered a maximum drawdown of -29.84% that required 26 months to be recovered.

As of February 2026, in the previous 30 Years, the Aim Ways Aim comfortable trip Portfolio obtained a 8.05% compound annual return, with a 7.65% standard deviation. It suffered a maximum drawdown of -20.15% that required 23 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.

Resources & Extras

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

The Lazy Team Dynamic 40/60 Income Portfolio

Weight (%)	Ticker	Name
20.00	PFF	iShares Preferred and Income Securities ETF
20.00	VTI	Vanguard Total Stock Market
20.00	EMB	iShares JP Morgan USD Em Mkts Bd
20.00	SHY	iShares 1-3 Year Treasury Bond
20.00	HYG	iShares iBoxx $ High Yield Corporate Bond

Aim Ways Aim comfortable trip Portfolio

Weight (%)	Ticker	Name
13.00	EFV	iShares MSCI EAFE Value
11.00	QQQ	Invesco QQQ Trust
10.00	IJS	iShares S&P Small-Cap 600 Value
6.00	USMV	iShares Edge MSCI Min Vol USA
28.00	BNDX	Vanguard Total International Bond
17.00	BSV	Vanguard Short-Term Bond
15.00	GLD	SPDR Gold Trust

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Portfolio Returns as of Feb 28, 2026

Returns are calculated in USD, assuming:

no fees or capital gain taxes.
rebalancing: at every Jan 1^st.
dividend reinvestment, when applicable.

Return Comparison

Capital Growth

30 Years
(1996/03 - 2026/02)

All Data
(1992/01 - 2026/02)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Dynamic 40/60 Income The Lazy Team	1 $	7.50 $	649.69%	6.95%
Aim comfortable trip Aim Ways	1 $	10.20 $	919.60%	8.05%
	Mar 1996	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Dynamic 40/60 Income The Lazy Team	1 $	3.55 $	254.77%	4.31%
Aim comfortable trip Aim Ways	1 $	4.82 $	382.49%	5.39%
	Mar 1996	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Dynamic 40/60 Income The Lazy Team	1 $	11.72 $	1 071.83%	7.47%
Aim comfortable trip Aim Ways	1 $	15.20 $	1 420.48%	8.29%
	Jan 1992	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Dynamic 40/60 Income The Lazy Team	1 $	4.94 $	394.43%	4.79%
Aim comfortable trip Aim Ways	1 $	6.42 $	541.53%	5.59%
	Jan 1992	Feb 2026

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		Return (%) as of Feb 28, 2026
		YTD (2M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~34Y)
	Dynamic 40/60 Income The Lazy Team	1.27	0.26	4.29	9.03	4.77	6.04	6.95	7.47
	Aim comfortable trip Aim Ways	6.47	2.80	14.45	24.30	9.51	9.03	8.05	8.29
Returns over 1 year are annualized.

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Portfolio Metrics as of Feb 28, 2026

The following metrics, updated as of 28 February 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 March 2025 - 28 February 2026 (1 year)

Period: 1 March 2021 - 28 February 2026 (5 years)

Period: 1 March 2016 - 28 February 2026 (10 years)

Period: 1 March 1996 - 28 February 2026 (30 years)

Period: 1 January 1992 - 28 February 2026 (~34 years)

1 Year

5 Years

10 Years

30 Years

All (1992/01 - 2026/02)

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	Dynamic 40/60 Income	Aim comfortable trip
Author	The Lazy Team	Aim Ways
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	45%
Commodities	0%	15%
PERFORMANCES
Annualized Return (%)	9.03	24.30
Infl. Adjusted (%)	6.47	21.38
DRAWDOWN
Deepest Drawdown Depth (%)	-2.36	0.00
Start to Recovery (months)	4
Longest Drawdown Depth (%)	-2.36	0.00
Start to Recovery (months)	4
Longest Negative Period (months)	3	0
RISK INDICATORS
Standard Deviation (%)	3.90	3.70
Sharpe Ratio	1.28	5.48
Sortino Ratio	1.61	7.82
Ulcer Index	0.89	0.00
Ratio: Return / Standard Deviation	2.31	6.57
Ratio: Return / Deepest Drawdown	3.82	---
Metrics calculated over the period 1 March 2025 - 28 February 2026

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	Dynamic 40/60 Income	Aim comfortable trip
Author	The Lazy Team	Aim Ways
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	45%
Commodities	0%	15%
PERFORMANCES
Annualized Return (%)	4.77	9.51
Infl. Adjusted (%)	0.31	4.86
DRAWDOWN
Deepest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Negative Period (months)	34	31
RISK INDICATORS
Standard Deviation (%)	8.23	8.02
Sharpe Ratio	0.19	0.79
Sortino Ratio	0.25	1.04
Ulcer Index	6.97	4.56
Ratio: Return / Standard Deviation	0.58	1.19
Ratio: Return / Deepest Drawdown	0.28	0.61
Metrics calculated over the period 1 March 2021 - 28 February 2026

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	Dynamic 40/60 Income	Aim comfortable trip
Author	The Lazy Team	Aim Ways
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	45%
Commodities	0%	15%
PERFORMANCES
Annualized Return (%)	6.04	9.03
Infl. Adjusted (%)	2.68	5.57
DRAWDOWN
Deepest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Negative Period (months)	38	31
RISK INDICATORS
Standard Deviation (%)	7.84	7.44
Sharpe Ratio	0.50	0.93
Sortino Ratio	0.66	1.24
Ulcer Index	5.21	3.48
Ratio: Return / Standard Deviation	0.77	1.21
Ratio: Return / Deepest Drawdown	0.35	0.58
Metrics calculated over the period 1 March 2016 - 28 February 2026

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	Dynamic 40/60 Income	Aim comfortable trip
Author	The Lazy Team	Aim Ways
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	45%
Commodities	0%	15%
PERFORMANCES
Annualized Return (%)	6.95	8.05
Infl. Adjusted (%)	4.31	5.39
DRAWDOWN
Deepest Drawdown Depth (%)	-29.84	-20.15
Start to Recovery (months)	26	23
Longest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Negative Period (months)	69	39
RISK INDICATORS
Standard Deviation (%)	8.10	7.65
Sharpe Ratio	0.58	0.76
Sortino Ratio	0.76	1.02
Ulcer Index	4.85	3.71
Ratio: Return / Standard Deviation	0.86	1.05
Ratio: Return / Deepest Drawdown	0.23	0.40
Metrics calculated over the period 1 March 1996 - 28 February 2026

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	Dynamic 40/60 Income	Aim comfortable trip
Author	The Lazy Team	Aim Ways
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	45%
Commodities	0%	15%
PERFORMANCES
Annualized Return (%)	7.47	8.29
Infl. Adjusted (%)	4.79	5.59
DRAWDOWN
Deepest Drawdown Depth (%)	-29.84	-20.15
Start to Recovery (months)	26	23
Longest Drawdown Depth (%)	-17.33	-15.56
Start to Recovery (months)	30	24
Longest Negative Period (months)	69	39
RISK INDICATORS
Standard Deviation (%)	7.75	7.34
Sharpe Ratio	0.65	0.80
Sortino Ratio	0.84	1.06
Ulcer Index	4.60	3.53
Ratio: Return / Standard Deviation	0.96	1.13
Ratio: Return / Deepest Drawdown	0.25	0.41
Metrics calculated over the period 1 January 1992 - 28 February 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 March 1996 - 28 February 2026 (30 years)

Period: 1 January 1992 - 28 February 2026 (~34 years)

30 Years
(1996/03 - 2026/02)

Chart Table

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Dynamic 40/60 Income			Aim comfortable trip
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-29.84	26	Nov 2007 Dec 2009
			-20.15	23	Nov 2007 Sep 2009
-17.33	30	Jan 2022 Jun 2024
			-15.56	24	Jan 2022 Dec 2023
-12.42	6	Feb 2020 Jul 2020
			-9.39	6	Feb 2020 Jul 2020
-9.38	8	May 1998 Dec 1998
			-8.35	12	Jun 2002 May 2003
			-7.64	21	Sep 2000 May 2002
			-7.22	6	May 1998 Oct 1998
-7.19	8	Jun 2011 Jan 2012
-6.73	9	May 2002 Jan 2003
			-5.67	9	May 2011 Jan 2012
-5.09	5	Oct 2018 Feb 2019
			-4.92	13	Mar 2015 Mar 2016

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Dynamic 40/60 Income			Aim comfortable trip
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-29.84	26	Nov 2007 Dec 2009
			-20.15	23	Nov 2007 Sep 2009
-17.33	30	Jan 2022 Jun 2024
			-15.56	24	Jan 2022 Dec 2023
-12.42	6	Feb 2020 Jul 2020
			-9.39	6	Feb 2020 Jul 2020
-9.38	8	May 1998 Dec 1998
			-8.35	12	Jun 2002 May 2003
			-7.64	21	Sep 2000 May 2002
			-7.22	6	May 1998 Oct 1998
-7.19	8	Jun 2011 Jan 2012
-6.73	9	May 2002 Jan 2003
			-5.67	9	May 2011 Jan 2012
-5.36	15	Feb 1994 Apr 1995
			-5.21	14	Feb 1994 Mar 1995

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 1992 - 28 February 2026 (~34 years)

Rolling Period:

Dynamic 40/60 Income
Aim comfortable trip

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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	Dynamic 40/60 Income		Aim comfortable trip
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	1.27	0.00	6.47	0.00
2025	9.87	-2.36	20.26	0.00
2024	9.69	-2.45	10.82	-1.78
2023	11.97	-5.00	15.77	-4.47
2022	-14.37	-17.33	-10.58	-15.56
2021	6.72	-1.83	7.29	-2.26
2020	8.28	-12.42	11.36	-9.39
2019	15.91	-1.51	16.14	-2.32
2018	-3.18	-5.09	-2.40	-4.78
2017	9.18	0.00	11.42	-0.42
2016	7.53	-1.95	7.92	-2.09
2015	0.21	-4.06	-1.20	-4.92
2014	7.01	-1.44	5.31	-2.23
2013	6.13	-3.06	7.86	-3.94
2012	12.70	-2.72	10.85	-4.39
2011	2.96	-7.19	3.71	-5.67
2010	11.25	-3.72	13.58	-4.02
2009	22.37	-15.04	21.18	-6.93
2008	-14.80	-23.51	-12.97	-17.75
2007	0.88	-3.23	9.30	-2.21
2006	9.18	-1.29	12.61	-2.81
2005	5.23	-1.76	7.58	-2.16
2004	8.41	-3.31	10.79	-2.87
2003	21.64	-1.30	21.92	-1.65
2002	1.03	-6.73	-0.23	-8.35
2001	8.71	-3.24	-0.43	-7.19
2000	3.43	-4.13	1.50	-5.41
1999	11.02	-2.15	14.90	-2.99
1998	6.04	-9.38	18.20	-7.22
1997	16.36	-2.49	3.83	-3.99
1996	16.81	-1.12	10.16	-1.62
1995	23.17	0.00	19.66	-0.17
1994	-3.19	-5.36	-2.00	-5.21
1993	14.73	-0.57	16.10	-0.81
1992	12.95	-0.70	7.83	-1.96

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Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Feb 28, 2026

Portfolio Metrics as of Feb 28, 2026

Drawdowns

Rolling Returns

Yearly Returns