Euro Stocks/Bonds 40/60 Portfolio vs Vanguard LifeStrategy Conservative Growth To EUR Portfolio Portfolio Comparison

Simulation Settings

Period: July 1987 - August 2025 (~38 years)
Consolidated Returns as of 31 August 2025

Initial Amount: 1€

Rebalancing: at every Jan 1^st

Currency: EUR

Inflation: Eurozone

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Results

30 Years
(1995/09 - 2025/08)

All Data
(1987/07 - 2025/08)

Inflation Adjusted:

Euro Stocks/Bonds 40/60 Portfolio

1.00€
Invested Capital
September 1995
5.03€
Final Capital
August 2025
5.53%
Yearly Return
7.33%
Std Deviation
-18.24%
Max Drawdown
29months
Recovery Period

1.00€
Invested Capital
September 1995
2.74€
Final Capital
August 2025
3.42%
Yearly Return
7.33%
Std Deviation
-25.45%
Max Drawdown
48months*
Recovery Period
* in progress

1.00€
Invested Capital
July 1987
8.15€
Final Capital
August 2025
5.65%
Yearly Return
7.20%
Std Deviation
-18.24%
Max Drawdown
29months
Recovery Period

1.00€
Invested Capital
July 1987
3.50€
Final Capital
August 2025
3.34%
Yearly Return
7.20%
Std Deviation
-25.45%
Max Drawdown
48months*
Recovery Period
* in progress

Vanguard LifeStrategy Conservative Growth To EUR Portfolio

1.00€
Invested Capital
September 1995
5.72€
Final Capital
August 2025
5.98%
Yearly Return
6.34%
Std Deviation
-17.16%
Max Drawdown
26months
Recovery Period

1.00€
Invested Capital
September 1995
3.12€
Final Capital
August 2025
3.86%
Yearly Return
6.34%
Std Deviation
-22.66%
Max Drawdown
44months*
Recovery Period
* in progress

1.00€
Invested Capital
July 1987
10.27€
Final Capital
August 2025
6.29%
Yearly Return
6.72%
Std Deviation
-17.16%
Max Drawdown
26months
Recovery Period

1.00€
Invested Capital
July 1987
4.41€
Final Capital
August 2025
3.96%
Yearly Return
6.72%
Std Deviation
-22.66%
Max Drawdown
44months*
Recovery Period
* in progress

As of August 2025, in the previous 30 Years, the Euro Stocks/Bonds 40/60 Portfolio obtained a 5.53% compound annual return, with a 7.33% standard deviation. It suffered a maximum drawdown of -18.24% that required 29 months to be recovered.

As of August 2025, in the previous 30 Years, the Vanguard LifeStrategy Conservative Growth To EUR Portfolio obtained a 5.98% compound annual return, with a 6.34% 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 40/60 Portfolio

Weight (%)	Ticker	Name
40.00	SXRT.DE	iShares Core EURO STOXX 50
60.00	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 Aug 31, 2025

Returns are calculated in EUR, assuming:

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

Return Comparison

Capital Growth

30 Years
(1995/09 - 2025/08)

All Data
(1987/07 - 2025/08)

Inflation Adjusted:

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	Initial Amount €	Final Amount €	Total Return (%)	Annualized (%)
Euro Stocks/Bonds 40/60	1 €	5.03 €	402.63%	5.53%
LifeStrategy Conservative Growth To EUR Vanguard	1 €	5.72 €	471.79%	5.98%
	Sep 1995	Aug 2025

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	Initial Amount €	Final Amount €	Total Return (%)	Annualized (%)
Euro Stocks/Bonds 40/60	1 €	2.74 €	174.13%	3.42%
LifeStrategy Conservative Growth To EUR Vanguard	1 €	3.12 €	211.85%	3.86%
	Sep 1995	Aug 2025

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	Initial Amount €	Final Amount €	Total Return (%)	Annualized (%)
Euro Stocks/Bonds 40/60	1 €	8.15 €	715.29%	5.65%
LifeStrategy Conservative Growth To EUR Vanguard	1 €	10.27 €	926.69%	6.29%
	Jul 1987	Aug 2025

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	Initial Amount €	Final Amount €	Total Return (%)	Annualized (%)
Euro Stocks/Bonds 40/60	1 €	3.50 €	249.98%	3.34%
LifeStrategy Conservative Growth To EUR Vanguard	1 €	4.41 €	340.73%	3.96%
	Jul 1987	Aug 2025

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		Return (%) as of Aug 31, 2025
		YTD (8M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~38Y)
	Euro Stocks/Bonds 40/60 -- Market Benchmark	5.30	0.06	-0.03	5.55	4.14	3.57	5.53	5.65
	LifeStrategy Conservative Growth Vanguard	1.72	-0.01	0.13	5.00	4.06	4.70	5.98	6.29
Returns over 1 year are annualized.

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Portfolio Metrics as of Aug 31, 2025

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

METRIC COMPARISON

Period: 1 September 2024 - 31 August 2025 (1 year)

Period: 1 September 2020 - 31 August 2025 (5 years)

Period: 1 September 2015 - 31 August 2025 (10 years)

Period: 1 September 1995 - 31 August 2025 (30 years)

Period: 1 July 1987 - 31 August 2025 (~38 years)

1 Year

5 Years

10 Years

30 Years

All (1987/07 - 2025/08)

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	Euro Stocks/Bonds 40/60	LifeStrategy Conservative Growth To EUR
Author		Vanguard
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	60%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.55	5.00
Infl. Adjusted (%)	3.58	3.04
DRAWDOWN
Deepest Drawdown Depth (%)	-2.46	-4.66
Start to Recovery (months)	3	7*
Longest Drawdown Depth (%)	-1.85	-4.66
Start to Recovery (months)	4	7*
Longest Negative Period (months)	6*	7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	5.48	6.32
Sharpe Ratio	0.20	0.09
Sortino Ratio	0.28	0.12
Ulcer Index	1.09	1.93
Ratio: Return / Standard Deviation	1.01	0.79
Ratio: Return / Deepest Drawdown	2.26	1.07
Metrics calculated over the period 1 September 2024 - 31 August 2025

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	Euro Stocks/Bonds 40/60	LifeStrategy Conservative Growth To EUR
Author		Vanguard
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	60%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	4.14	4.06
Infl. Adjusted (%)	-0.10	-0.19
DRAWDOWN
Deepest Drawdown Depth (%)	-18.22	-14.45
Start to Recovery (months)	27	31
Longest Drawdown Depth (%)	-18.22	-14.45
Start to Recovery (months)	27	31
Longest Negative Period (months)	35	35
RISK INDICATORS
Standard Deviation (%)	8.73	7.26
Sharpe Ratio	0.15	0.17
Sortino Ratio	0.22	0.23
Ulcer Index	6.33	6.62
Ratio: Return / Standard Deviation	0.47	0.56
Ratio: Return / Deepest Drawdown	0.23	0.28
Metrics calculated over the period 1 September 2020 - 31 August 2025

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	Euro Stocks/Bonds 40/60	LifeStrategy Conservative Growth To EUR
Author		Vanguard
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	60%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	3.57	4.70
Infl. Adjusted (%)	0.95	2.05
DRAWDOWN
Deepest Drawdown Depth (%)	-18.22	-14.45
Start to Recovery (months)	27	31
Longest Drawdown Depth (%)	-18.22	-14.45
Start to Recovery (months)	27	31
Longest Negative Period (months)	65	36
RISK INDICATORS
Standard Deviation (%)	7.87	6.48
Sharpe Ratio	0.21	0.43
Sortino Ratio	0.29	0.59
Ulcer Index	5.08	4.86
Ratio: Return / Standard Deviation	0.45	0.72
Ratio: Return / Deepest Drawdown	0.20	0.32
Metrics calculated over the period 1 September 2015 - 31 August 2025

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	Euro Stocks/Bonds 40/60	LifeStrategy Conservative Growth To EUR
Author		Vanguard
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	60%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.53	5.98
Infl. Adjusted (%)	3.42	3.86
DRAWDOWN
Deepest Drawdown Depth (%)	-18.24	-17.16
Start to Recovery (months)	29	26
Longest Drawdown Depth (%)	-14.82	-13.08
Start to Recovery (months)	42	51
Longest Negative Period (months)	65	50
RISK INDICATORS
Standard Deviation (%)	7.33	6.34
Sharpe Ratio	0.45	0.59
Sortino Ratio	0.60	0.80
Ulcer Index	5.03	4.63
Ratio: Return / Standard Deviation	0.75	0.94
Ratio: Return / Deepest Drawdown	0.30	0.35
Metrics calculated over the period 1 September 1995 - 31 August 2025

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	Euro Stocks/Bonds 40/60	LifeStrategy Conservative Growth To EUR
Author		Vanguard
ASSET ALLOCATION
Stocks	40%	40%
Fixed Income	60%	60%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.65	6.29
Infl. Adjusted (%)	3.34	3.96
DRAWDOWN
Deepest Drawdown Depth (%)	-18.24	-17.16
Start to Recovery (months)	29	26
Longest Drawdown Depth (%)	-14.82	-13.08
Start to Recovery (months)	42	51
Longest Negative Period (months)	65	50
RISK INDICATORS
Standard Deviation (%)	7.20	6.72
Sharpe Ratio	0.38	0.50
Sortino Ratio	0.51	0.67
Ulcer Index	4.95	4.74
Ratio: Return / Standard Deviation	0.78	0.94
Ratio: Return / Deepest Drawdown	0.31	0.37
Metrics calculated over the period 1 July 1987 - 31 August 2025

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 September 1995 - 31 August 2025 (30 years)

Period: 1 July 1987 - 31 August 2025 (~38 years)

30 Years
(1995/09 - 2025/08)

Chart Table

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Euro Stocks/Bonds 40/60			LifeStrategy Conservative Growth To EUR
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-18.24	29	Nov 2007 Mar 2010
-18.22	27	Jan 2022 Mar 2024
			-17.16	26	Nov 2007 Dec 2009
-14.82	42	Sep 2000 Feb 2004
			-14.45	31	Jan 2022 Jul 2024
			-13.08	51	Sep 2000 Nov 2004
-10.99	11	Jan 2020 Nov 2020
-9.04	16	May 2011 Aug 2012
-8.64	6	Aug 1998 Jan 1999
-7.79	24	Apr 2015 Mar 2017
			-7.76	7	Feb 2020 Aug 2020
-6.46	18	Nov 2017 Apr 2019
			-6.43	16	Apr 2015 Jul 2016
			-5.70	6	Jul 1998 Dec 1998
			-5.03	6	Aug 1997 Jan 1998

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Euro Stocks/Bonds 40/60			LifeStrategy Conservative Growth To EUR
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-18.24	29	Nov 2007 Mar 2010
-18.22	27	Jan 2022 Mar 2024
			-17.16	26	Nov 2007 Dec 2009
-14.82	42	Sep 2000 Feb 2004
			-14.45	31	Jan 2022 Jul 2024
			-13.08	51	Sep 2000 Nov 2004
			-12.81	19	Sep 1989 Mar 1991
-11.63	24	Feb 1994 Jan 1996
			-11.44	10	Sep 1987 Jun 1988
-10.99	11	Jan 2020 Nov 2020
			-9.25	22	Feb 1994 Nov 1995
-9.04	16	May 2011 Aug 2012
-8.93	10	Sep 1987 Jun 1988
-8.64	6	Aug 1998 Jan 1999
-7.79	24	Apr 2015 Mar 2017

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 August 2025 (~38 years)

Rolling Period:

Euro Stocks/Bonds 40/60
LifeStrategy Conservative Growth To EUR

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 40/60		LifeStrategy Conservative Growth To EUR
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2025	5.30	-2.46	1.72	-4.66
2024	5.85	-1.85	10.69	-1.91
2023	12.83	-4.86	10.36	-4.32
2022	-13.75	-18.22	-14.45	-14.45
2021	7.66	-1.96	10.70	-1.53
2020	1.13	-10.99	5.50	-7.76
2019	15.62	-1.78	16.45	-1.39
2018	-4.66	-5.92	-3.36	-4.84
2017	4.27	-1.89	4.32	-0.73
2016	3.34	-2.59	5.97	-1.87
2015	3.66	-7.79	3.96	-6.43
2014	8.72	-1.13	12.51	0.00
2013	9.86	-3.38	7.49	-2.38
2012	14.58	-4.75	8.90	-0.44
2011	-4.21	-9.04	2.72	-2.94
2010	1.74	-3.74	11.27	-0.90
2009	14.85	-5.71	14.23	-5.44
2008	-12.04	-13.94	-11.20	-11.76
2007	2.99	-1.42	2.56	-1.52
2006	7.13	-2.28	4.17	-3.32
2005	12.37	-2.20	11.89	-1.55
2004	8.64	-1.39	5.94	-1.33
2003	10.05	-3.56	7.99	-1.84
2002	-6.83	-10.08	-6.07	-8.30
2001	-3.53	-9.10	-0.89	-6.92
2000	3.74	-2.17	2.44	-4.89
1999	14.85	-2.42	17.21	-2.68
1998	13.97	-8.64	10.70	-5.70
1997	16.94	-3.62	17.33	-5.03
1996	18.23	-2.00	12.22	-2.87
1995	9.41	-1.77	13.76	-0.86
1994	-8.21	-10.03	-6.47	-8.78
1993	22.34	-0.46	23.57	-0.65
1992	5.78	-5.71	9.16	-4.77
1991	8.95	-1.58	16.52	-3.07
1990	-2.75	-7.74	-5.90	-8.58
1989	11.39	-2.75	10.18	-4.91
1988	16.83	-1.30	17.49	-1.70

Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Aug 31, 2025

Portfolio Metrics as of Aug 31, 2025

Drawdowns

Rolling Returns

Yearly Returns