Euro Stocks/Bonds 20/80 Portfolio vs Vanguard LifeStrategy Conservative Growth To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: July 1987 - July 2025 (~38 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1987/07 - 2025/07)
Inflation Adjusted:
Euro Stocks/Bonds 20/80 Portfolio
1.00€
Invested Capital
August 1995
4.12€
Final Capital
July 2025
4.84%
Yearly Return
4.90%
Std Deviation
-17.62%
Max Drawdown
47months*
Recovery Period
* in progress
1.00€
Invested Capital
August 1995
2.25€
Final Capital
July 2025
2.74%
Yearly Return
4.90%
Std Deviation
-25.54%
Max Drawdown
48months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
6.81€
Final Capital
July 2025
5.16%
Yearly Return
4.84%
Std Deviation
-17.62%
Max Drawdown
47months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
2.92€
Final Capital
July 2025
2.86%
Yearly Return
4.84%
Std Deviation
-25.54%
Max Drawdown
48months*
Recovery Period
* in progress
Vanguard LifeStrategy Conservative Growth To EUR Portfolio
1.00€
Invested Capital
August 1995
5.87€
Final Capital
July 2025
6.08%
Yearly Return
6.35%
Std Deviation
-17.16%
Max Drawdown
26months
Recovery Period
1.00€
Invested Capital
August 1995
3.20€
Final Capital
July 2025
3.95%
Yearly Return
6.35%
Std Deviation
-22.66%
Max Drawdown
43months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
10.27€
Final Capital
July 2025
6.31%
Yearly Return
6.73%
Std Deviation
-17.16%
Max Drawdown
26months
Recovery Period
1.00€
Invested Capital
July 1987
4.41€
Final Capital
July 2025
3.97%
Yearly Return
6.73%
Std Deviation
-22.66%
Max Drawdown
43months*
Recovery Period
* in progress

As of July 2025, in the previous 30 Years, the Euro Stocks/Bonds 20/80 Portfolio obtained a 4.84% compound annual return, with a 4.90% standard deviation. It suffered a maximum drawdown of -17.62% which has been ongoing for 47 months and is still in progress.

As of July 2025, in the previous 30 Years, the Vanguard LifeStrategy Conservative Growth To EUR Portfolio obtained a 6.08% compound annual return, with a 6.35% standard deviation. It suffered a maximum drawdown of -17.16% that required 26 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.

Euro Stocks/Bonds 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
SXRT.DE
iShares Core EURO STOXX 50
80.00
SYBA.DE
SPDR Bloomberg Euro Aggregate Bond
Vanguard LifeStrategy Conservative Growth To EUR Portfolio
Weight
(%)		 Ticker Name
20.00
EUNL.DE
iShares Core MSCI World
20.00
IUSQ.DE
iShares MSCI ACWI
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
15.00
VDTE.DE
Vanguard USD Treasury Bond Eur Hedged
10.00
VDCE.DE
Vanguard USD Corporate Bond EUR Hedged
10.00
XGLE.DE
Xtrackers II Eurozone Government Bond
5.00
EUN5.DE
iShares Core EUR Corporate Bond
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Portfolio Returns as of Jul 31, 2025

Returns are calculated in EUR, 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
(1987/07 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 20/80
 1 € 4.12 € 312.31% 4.84%
Vanguard LifeStrategy Conservative Growth To EUR
Vanguard 		1 € 5.87 € 487.03% 6.08%
Aug 1995 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 20/80
 1 € 2.25 € 124.68% 2.74%
Vanguard LifeStrategy Conservative Growth To EUR
Vanguard 		1 € 3.20 € 219.89% 3.95%
Aug 1995 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 20/80
 1 € 6.81 € 580.53% 5.16%
Vanguard LifeStrategy Conservative Growth To EUR
Vanguard 		1 € 10.27 € 926.82% 6.31%
Jul 1987 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 20/80
 1 € 2.92 € 192.18% 2.86%
Vanguard LifeStrategy Conservative Growth To EUR
Vanguard 		1 € 4.41 € 340.85% 3.97%
Jul 1987 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_euro_author.webp Euro Stocks/Bonds 20/80
-- Market Benchmark 		3.08 0.15 1.34 4.54 1.11 1.65 4.84 5.16
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Conservative Growth
Vanguard 		1.74 1.85 -0.18 5.57 4.35 4.28 6.08 6.31
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 July 1987 - 31 July 2025 (~38 years)
1 Year
5 Years
10 Years
30 Years
All (1987/07 - 2025/07)
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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 40%
Fixed Income 80% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.54 5.57
Infl. Adjusted (%) 2.46 3.46
DRAWDOWN
Deepest Drawdown Depth (%) -2.00 -4.66
Start to Recovery (months) 3 6*
Longest Drawdown Depth (%) -2.00 -4.66
Start to Recovery (months) 3 6*
Longest Negative Period (months) 4 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.00 6.30
Sharpe Ratio 0.00 0.16
Sortino Ratio 0.00 0.22
Ulcer Index 0.76 1.93
Ratio: Return / Standard Deviation 1.13 0.88
Ratio: Return / Deepest Drawdown 2.27 1.19
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 40%
Fixed Income 80% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.11 4.35
Infl. Adjusted (%) -2.93 0.19
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -14.45
Start to Recovery (months) 47* 31
Longest Drawdown Depth (%) -17.62 -14.45
Start to Recovery (months) 47* 31
Longest Negative Period (months) 51 35
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.86 7.27
Sharpe Ratio -0.24 0.22
Sortino Ratio -0.33 0.30
Ulcer Index 7.96 6.62
Ratio: Return / Standard Deviation 0.16 0.60
Ratio: Return / Deepest Drawdown 0.06 0.30
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 40%
Fixed Income 80% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.65 4.28
Infl. Adjusted (%) -0.92 1.65
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -14.45
Start to Recovery (months) 47* 31
Longest Drawdown Depth (%) -17.62 -14.45
Start to Recovery (months) 47* 31
Longest Negative Period (months) 87 36
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.84 6.62
Sharpe Ratio -0.04 0.37
Sortino Ratio -0.05 0.49
Ulcer Index 5.80 4.89
Ratio: Return / Standard Deviation 0.28 0.65
Ratio: Return / Deepest Drawdown 0.09 0.30
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 40%
Fixed Income 80% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.84 6.08
Infl. Adjusted (%) 2.74 3.95
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -17.16
Start to Recovery (months) 47* 26
Longest Drawdown Depth (%) -17.62 -13.08
Start to Recovery (months) 47* 51
Longest Negative Period (months) 103 50
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.90 6.35
Sharpe Ratio 0.52 0.60
Sortino Ratio 0.71 0.81
Ulcer Index 3.59 4.63
Ratio: Return / Standard Deviation 0.99 0.96
Ratio: Return / Deepest Drawdown 0.27 0.35
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 40%
Fixed Income 80% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.16 6.31
Infl. Adjusted (%) 2.86 3.97
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -17.16
Start to Recovery (months) 47* 26
Longest Drawdown Depth (%) -17.62 -13.08
Start to Recovery (months) 47* 51
Longest Negative Period (months) 103 50
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.84 6.73
Sharpe Ratio 0.46 0.50
Sortino Ratio 0.62 0.68
Ulcer Index 3.51 4.75
Ratio: Return / Standard Deviation 1.07 0.94
Ratio: Return / Deepest Drawdown 0.29 0.37
Metrics calculated over the period 1 July 1987 - 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 July 1987 - 31 July 2025 (~38 years)
30 Years
(1995/08 - 2025/07)

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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-17.62 47* Sep 2021
In progress
-17.16 26 Nov 2007
Dec 2009
-14.45 31 Jan 2022
Jul 2024
-13.08 51 Sep 2000
Nov 2004
-7.76 7 Feb 2020
Aug 2020
-6.82 10 Feb 2020
Nov 2020
-6.43 16 Apr 2015
Jul 2016
-6.17 21 Nov 2007
Jul 2009
-5.70 6 Jul 1998
Dec 1998
-5.38 24 Apr 2015
Mar 2017
-5.12 16 Nov 2010
Feb 2012
-5.03 6 Aug 1997
Jan 1998
-4.84 6 Sep 2018
Feb 2019
-4.66 6* Feb 2025
In progress
-3.73 4 Aug 1998
Nov 1998

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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-17.62 47* Sep 2021
In progress
-17.16 26 Nov 2007
Dec 2009
-14.45 31 Jan 2022
Jul 2024
-13.08 51 Sep 2000
Nov 2004
-12.81 19 Sep 1989
Mar 1991
-11.44 10 Sep 1987
Jun 1988
-9.25 22 Feb 1994
Nov 1995
-8.95 22 Feb 1994
Nov 1995
-7.76 7 Feb 2020
Aug 2020
-6.82 10 Feb 2020
Nov 2020
-6.43 16 Apr 2015
Jul 2016
-6.17 21 Nov 2007
Jul 2009
-5.70 6 Jul 1998
Dec 1998
-5.38 24 Apr 2015
Mar 2017
-5.12 16 Nov 2010
Feb 2012

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 July 1987 - 31 July 2025 (~38 years)


Head To Head (Ptf 1 vs Ptf 2):
Eurozone 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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Euro Stocks/Bonds 20/80 LifeStrategy Conservative Growth To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 3.08 -2.00 1.74 -4.66
2024
 3.95 -1.52 10.69 -1.91
2023
 9.78 -3.22 10.36 -4.32
2022
 -15.40 -17.33 -14.45 -14.45
2021
 2.37 -1.51 10.70 -1.53
2020
 2.48 -6.82 5.50 -7.76
2019
 10.78 -0.54 16.45 -1.39
2018
 -2.16 -2.87 -3.36 -4.84
2017
 2.29 -1.58 4.32 -0.73
2016
 3.35 -2.19 5.97 -1.87
2015
 2.22 -5.38 3.96 -6.43
2014
 9.87 -0.40 12.51 0.00
2013
 5.87 -2.60 7.49 -2.38
2012
 13.00 -2.01 8.90 -0.44
2011
 -0.58 -4.38 2.72 -2.94
2010
 1.89 -2.85 11.27 -0.90
2009
 10.75 -2.70 14.23 -5.44
2008
 -2.33 -5.58 -11.20 -11.76
2007
 2.34 -0.64 2.56 -1.52
2006
 3.45 -2.02 4.17 -3.32
2005
 8.62 -1.63 11.89 -1.55
2004
 8.06 -0.93 5.94 -1.33
2003
 7.24 -0.82 7.99 -1.84
2002
 1.36 -1.70 -6.07 -8.30
2001
 1.29 -2.30 -0.89 -6.92
2000
 5.44 -0.67 2.44 -4.89
1999
 6.69 -3.05 17.21 -2.68
1998
 11.41 -3.73 10.70 -5.70
1997
 12.44 -2.15 17.33 -5.03
1996
 15.22 -0.93 12.22 -2.87
1995
 11.18 -0.77 13.76 -0.86
1994
 -7.05 -8.60 -6.47 -8.78
1993
 19.01 -0.08 23.57 -0.65
1992
 7.19 -3.58 9.16 -4.77
1991
 9.88 -0.66 16.52 -3.07
1990
 1.46 -4.31 -5.90 -8.58
1989
 7.03 -1.65 10.18 -4.91
1988
 12.60 -0.87 17.49 -1.70
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