Euro Stocks/Bonds 20/80 Portfolio vs Vanguard LifeStrategy Income Fund To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: July 1987 - May 2025 (~38 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
(Change Settings)
The minimum date range must be at least 12 months. 'Date To' cannot be beyond May 2025.
Reset settings
Close
Results
30 Years
(1995/06 - 2025/05)
All Data
(1987/07 - 2025/05)
Inflation Adjusted:
Euro Stocks/Bonds 20/80 Portfolio
1.00€
Invested Capital
June 1995
4.21€
Final Capital
May 2025
4.91%
Yearly Return
4.91%
Std Deviation
-17.62%
Max Drawdown
45months*
Recovery Period
* in progress
1.00€
Invested Capital
June 1995
2.29€
Final Capital
May 2025
2.81%
Yearly Return
4.91%
Std Deviation
-25.54%
Max Drawdown
46months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
6.82€
Final Capital
May 2025
5.19%
Yearly Return
4.85%
Std Deviation
-17.62%
Max Drawdown
45months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
2.94€
Final Capital
May 2025
2.88%
Yearly Return
4.85%
Std Deviation
-25.54%
Max Drawdown
46months*
Recovery Period
* in progress
Vanguard LifeStrategy Income Fund To EUR Portfolio
1.00€
Invested Capital
June 1995
4.27€
Final Capital
May 2025
4.96%
Yearly Return
4.65%
Std Deviation
-15.38%
Max Drawdown
41months*
Recovery Period
* in progress
1.00€
Invested Capital
June 1995
2.33€
Final Capital
May 2025
2.85%
Yearly Return
4.65%
Std Deviation
-26.31%
Max Drawdown
45months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
8.11€
Final Capital
May 2025
5.68%
Yearly Return
4.97%
Std Deviation
-15.38%
Max Drawdown
41months*
Recovery Period
* in progress
1.00€
Invested Capital
July 1987
3.49€
Final Capital
May 2025
3.35%
Yearly Return
4.97%
Std Deviation
-26.31%
Max Drawdown
45months*
Recovery Period
* in progress

As of May 2025, in the previous 30 Years, the Euro Stocks/Bonds 20/80 Portfolio obtained a 4.91% compound annual return, with a 4.91% standard deviation. It suffered a maximum drawdown of -17.62% which has been ongoing for 45 months and is still in progress.

As of May 2025, in the previous 30 Years, the Vanguard LifeStrategy Income Fund To EUR Portfolio obtained a 4.96% compound annual return, with a 4.65% standard deviation. It suffered a maximum drawdown of -15.38% which has been ongoing for 41 months and is still in progress.

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.
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Set your goal
Use top metrics to evaluate
Join the passive investing strategy
Exclusive new asset allocations in EUR and USD
Buy now
English book
Buy now
Italian book

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 Income Fund To EUR Portfolio
Weight
(%)		 Ticker Name
20.00
IUSQ.DE
iShares MSCI ACWI
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
20.00
VDCE.DE
Vanguard USD Corporate Bond EUR Hedged
20.00
VDTE.DE
Vanguard USD Treasury Bond Eur Hedged
15.00
XGLE.DE
Xtrackers II Eurozone Government Bond
5.00
EUN5.DE
iShares Core EUR Corporate Bond
Test Your Asset Allocation
Evaluate your portfolio strategy in 7 different currencies
Try the Backtest Tool

Portfolio Returns as of May 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
Period: 1 July 1987 - 31 May 2025 (~38 years)
Swipe left to see all data
Return (%) as of May 31, 2025
YTD
(5M) 		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 		3.24 1.28 2.53 6.24 1.61 1.64 4.91 5.19
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Income Fund
Vanguard 		0.23 0.74 -1.09 5.37 0.99 2.04 4.96 5.68
Return over 1 year are annualized.
Explore All Lazy Portfolios
Tailored Portfolios for every Investment Strategy

Capital Growth as of May 31, 2025

Euro Stocks/Bonds 20/80 Portfolio: an investment of 1€, since June 1995, now would be worth 4.21€, with a total return of 320.90% (4.91% annualized).

Vanguard LifeStrategy Income Fund To EUR Portfolio: an investment of 1€, since June 1995, now would be worth 4.27€, with a total return of 326.79% (4.96% annualized).


Loading data
Please wait
Euro Stocks/Bonds 20/80 Portfolio: an investment of 1€, since July 1987, now would be worth 6.82€, with a total return of 581.55% (5.19% annualized).

Vanguard LifeStrategy Income Fund To EUR Portfolio: an investment of 1€, since July 1987, now would be worth 8.11€, with a total return of 711.19% (5.68% annualized).


Loading data
Please wait
Readings that may interest you

Portfolio Metrics as of May 31, 2025

The following metrics, updated as of 31 May 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 July 1987 - 31 May 2025 (~38 years)
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.24 5.37
Infl. Adjusted Return (%) 4.25 3.41
DRAWDOWN
Deepest Drawdown Depth (%) -2.00 -2.01
Start to Recovery (months) 3 3*
Longest Drawdown Depth (%) -2.00 -2.01
Start to Recovery (months) 3 3*
Longest Negative Period (months) 3 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.08 4.47
Sharpe Ratio 0.38 0.15
Sortino Ratio 0.46 0.19
Ulcer Index 0.75 0.99
Ratio: Return / Standard Deviation 1.53 1.20
Ratio: Return / Deepest Drawdown 3.12 2.67
Metrics calculated over the period 1 June 2024 - 31 May 2025
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.61 0.99
Infl. Adjusted Return (%) -2.39 -2.98
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Negative Period (months) 51 53
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.90 6.09
Sharpe Ratio -0.14 -0.27
Sortino Ratio -0.20 -0.37
Ulcer Index 7.96 8.06
Ratio: Return / Standard Deviation 0.23 0.16
Ratio: Return / Deepest Drawdown 0.09 0.06
Metrics calculated over the period 1 June 2020 - 31 May 2025
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.64 2.04
Infl. Adjusted Return (%) -0.83 -0.44
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Negative Period (months) 91 55
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.95 5.20
Sharpe Ratio -0.02 0.05
Sortino Ratio -0.03 0.07
Ulcer Index 5.80 5.80
Ratio: Return / Standard Deviation 0.28 0.39
Ratio: Return / Deepest Drawdown 0.09 0.13
Metrics calculated over the period 1 June 2015 - 31 May 2025
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.91 4.96
Infl. Adjusted Return (%) 2.81 2.85
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Negative Period (months) 103 55
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.91 4.65
Sharpe Ratio 0.54 0.58
Sortino Ratio 0.73 0.79
Ulcer Index 3.59 3.54
Ratio: Return / Standard Deviation 1.00 1.07
Ratio: Return / Deepest Drawdown 0.28 0.32
Metrics calculated over the period 1 June 1995 - 31 May 2025
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 20% 20%
Fixed Income 80% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.19 5.68
Infl. Adjusted Return (%) 2.88 3.35
DRAWDOWN
Deepest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Drawdown Depth (%) -17.62 -15.38
Start to Recovery (months) 45* 41*
Longest Negative Period (months) 103 55
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.85 4.97
Sharpe Ratio 0.47 0.55
Sortino Ratio 0.63 0.77
Ulcer Index 3.51 3.49
Ratio: Return / Standard Deviation 1.07 1.14
Ratio: Return / Deepest Drawdown 0.29 0.37
Metrics calculated over the period 1 July 1987 - 31 May 2025
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book

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 June 1995 - 31 May 2025 (30 years)
Period: 1 July 1987 - 31 May 2025 (~38 years)

Loading data
Please wait
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-17.62 45* Sep 2021
In progress
-15.38 41* Jan 2022
In progress
-6.82 10 Feb 2020
Nov 2020
-6.61 20 Dec 2007
Jul 2009
-6.17 21 Nov 2007
Jul 2009
-5.38 24 Apr 2015
Mar 2017
-5.12 16 Nov 2010
Feb 2012
-4.42 15 Apr 2015
Jun 2016
-4.39 5 Feb 2020
Jun 2020
-3.73 4 Aug 1998
Nov 1998
-3.31 17 Nov 2017
Mar 2019
-3.13 9 May 2013
Jan 2014
-3.05 7 May 1999
Nov 1999
-2.97 14 Jan 2018
Feb 2019
-2.77 5 Jul 1998
Nov 1998

Loading data
Please wait
Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-17.62 45* Sep 2021
In progress
-15.38 41* Jan 2022
In progress
-8.95 22 Feb 1994
Nov 1995
-7.88 19 Sep 1989
Mar 1991
-7.23 16 Feb 1994
May 1995
-6.82 10 Feb 2020
Nov 2020
-6.61 20 Dec 2007
Jul 2009
-6.17 21 Nov 2007
Jul 2009
-5.72 6 Aug 1987
Jan 1988
-5.38 24 Apr 2015
Mar 2017
-5.12 16 Nov 2010
Feb 2012
-4.42 15 Apr 2015
Jun 2016
-4.39 5 Feb 2020
Jun 2020
-4.31 7 Aug 1990
Feb 1991
-3.76 7 Aug 1987
Feb 1988

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 May 2025 (~38 years)


Head To Head (Ptf 1 vs Ptf 2):
Eurozone Inflation Adjusted:

Loading data
Please wait

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.

Swipe left to see all data
Euro Stocks/Bonds 20/80 LifeStrategy Income Fund To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 3.24 -2.00 0.23 -2.01
2024
 3.94 -1.52 5.48 -1.94
2023
 9.78 -3.22 7.38 -3.99
2022
 -15.40 -17.33 -15.05 -15.14
2021
 2.37 -1.51 3.53 -1.66
2020
 2.48 -6.82 6.05 -4.39
2019
 10.78 -0.54 12.20 -0.16
2018
 -2.16 -2.87 -2.97 -2.97
2017
 2.29 -1.58 3.37 -0.53
2016
 3.35 -2.19 4.49 -2.18
2015
 2.22 -5.38 1.72 -4.42
2014
 9.87 -0.40 10.05 -0.26
2013
 5.87 -2.60 2.87 -3.13
2012
 13.00 -2.01 8.06 -0.25
2011
 -0.58 -4.38 5.10 -0.82
2010
 1.89 -2.85 8.76 -0.13
2009
 10.75 -2.70 9.34 -4.36
2008
 -2.33 -5.58 -2.05 -6.40
2007
 2.34 -0.64 3.20 -1.02
2006
 3.45 -2.02 2.60 -2.69
2005
 8.62 -1.63 7.17 -1.16
2004
 8.06 -0.93 5.90 -1.63
2003
 7.24 -0.82 7.04 -1.47
2002
 1.36 -1.70 2.32 -2.56
2001
 1.29 -2.30 3.57 -1.65
2000
 5.44 -0.67 5.40 -1.30
1999
 6.69 -3.05 6.85 -2.64
1998
 11.41 -3.73 9.81 -2.77
1997
 12.44 -2.15 13.21 -2.72
1996
 15.22 -0.93 8.62 -1.84
1995
 11.18 -0.77 16.29 -0.31
1994
 -7.05 -8.60 -5.06 -7.23
1993
 19.01 -0.08 20.19 -0.12
1992
 7.19 -3.58 10.92 -1.12
1991
 9.88 -0.66 17.93 -1.60
1990
 1.46 -4.31 -1.25 -4.69
1989
 7.03 -1.65 8.72 -3.34
1988
 12.60 -0.87 14.04 -1.67
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book