Euro Stocks/Bonds 80/20 Portfolio vs Vanguard LifeStrategy Moderate 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 80/20 Portfolio
1.00€
Invested Capital
August 1995
6.74€
Final Capital
July 2025
6.57%
Yearly Return
13.56%
Std Deviation
-43.83%
Max Drawdown
67months
Recovery Period
1.00€
Invested Capital
August 1995
3.68€
Final Capital
July 2025
4.43%
Yearly Return
13.56%
Std Deviation
-47.22%
Max Drawdown
81months
Recovery Period
1.00€
Invested Capital
July 1987
9.87€
Final Capital
July 2025
6.20%
Yearly Return
13.15%
Std Deviation
-43.83%
Max Drawdown
67months
Recovery Period
1.00€
Invested Capital
July 1987
4.24€
Final Capital
July 2025
3.87%
Yearly Return
13.15%
Std Deviation
-47.22%
Max Drawdown
81months
Recovery Period
Vanguard LifeStrategy Moderate Growth To EUR Portfolio
1.00€
Invested Capital
August 1995
8.09€
Final Capital
July 2025
7.22%
Yearly Return
8.92%
Std Deviation
-27.55%
Max Drawdown
61months
Recovery Period
1.00€
Invested Capital
August 1995
4.41€
Final Capital
July 2025
5.07%
Yearly Return
8.92%
Std Deviation
-31.91%
Max Drawdown
124months
Recovery Period
1.00€
Invested Capital
July 1987
15.07€
Final Capital
July 2025
7.38%
Yearly Return
9.57%
Std Deviation
-27.55%
Max Drawdown
61months
Recovery Period
1.00€
Invested Capital
July 1987
6.47€
Final Capital
July 2025
5.02%
Yearly Return
9.57%
Std Deviation
-31.91%
Max Drawdown
124months
Recovery Period

As of July 2025, in the previous 30 Years, the Euro Stocks/Bonds 80/20 Portfolio obtained a 6.57% compound annual return, with a 13.56% standard deviation. It suffered a maximum drawdown of -43.83% that required 67 months to be recovered.

As of July 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth To EUR Portfolio obtained a 7.22% compound annual return, with a 8.92% standard deviation. It suffered a maximum drawdown of -27.55% that required 61 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 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
SXRT.DE
iShares Core EURO STOXX 50
20.00
SYBA.DE
SPDR Bloomberg Euro Aggregate Bond
Vanguard LifeStrategy Moderate Growth To EUR Portfolio
Weight
(%)		 Ticker Name
20.00
EUNL.DE
iShares Core MSCI World
20.00
IUSQ.DE
iShares MSCI ACWI
10.00
SXR8.DE
iShares Core S&P 500
5.00
IS3N.DE
iShares Core MSCI Emerg. Markets
5.00
SXRT.DE
iShares Core EURO STOXX 50
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
10.00
VDTE.DE
Vanguard USD Treasury Bond Eur Hedged
5.00
VDCE.DE
Vanguard USD Corporate Bond EUR Hedged
5.00
XGLE.DE
Xtrackers II Eurozone Government 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 80/20
 1 € 6.74 € 574.44% 6.57%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 8.09 € 708.99% 7.22%
Aug 1995 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 80/20
 1 € 3.68 € 267.52% 4.43%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 4.41 € 340.84% 5.07%
Aug 1995 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 80/20
 1 € 9.87 € 887.33% 6.20%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 15.07 € 1 406.80% 7.38%
Jul 1987 Jul 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Euro Stocks/Bonds 80/20
 1 € 4.24 € 323.90% 3.87%
Vanguard LifeStrategy Moderate Growth To EUR
Vanguard 		1 € 6.47 € 546.93% 5.02%
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 80/20
-- Market Benchmark 		9.54 0.34 2.69 10.43 10.81 5.82 6.57 6.20
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Moderate Growth
Vanguard 		2.15 2.63 -0.59 7.21 7.52 6.12 7.22 7.38
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 80/20 LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.43 7.21
Infl. Adjusted (%) 8.23 5.08
DRAWDOWN
Deepest Drawdown Depth (%) -3.93 -7.01
Start to Recovery (months) 3 6*
Longest Drawdown Depth (%) -2.92 -7.01
Start to Recovery (months) 4 6*
Longest Negative Period (months) 5* 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.39 8.24
Sharpe Ratio 0.63 0.32
Sortino Ratio 0.96 0.44
Ulcer Index 1.89 2.82
Ratio: Return / Standard Deviation 1.11 0.88
Ratio: Return / Deepest Drawdown 2.65 1.03
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Euro Stocks/Bonds 80/20 LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.81 7.52
Infl. Adjusted (%) 6.38 3.23
DRAWDOWN
Deepest Drawdown Depth (%) -20.00 -13.83
Start to Recovery (months) 16 26
Longest Drawdown Depth (%) -20.00 -13.83
Start to Recovery (months) 16 26
Longest Negative Period (months) 26 31
RISK INDICATORS
Standard Deviation (%) 13.81 8.75
Sharpe Ratio 0.58 0.55
Sortino Ratio 0.88 0.75
Ulcer Index 5.73 5.84
Ratio: Return / Standard Deviation 0.78 0.86
Ratio: Return / Deepest Drawdown 0.54 0.54
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Euro Stocks/Bonds 80/20 LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.82 6.12
Infl. Adjusted (%) 3.15 3.44
DRAWDOWN
Deepest Drawdown Depth (%) -20.87 -13.83
Start to Recovery (months) 15 26
Longest Drawdown Depth (%) -13.81 -13.83
Start to Recovery (months) 20 26
Longest Negative Period (months) 57 31
RISK INDICATORS
Standard Deviation (%) 13.59 8.55
Sharpe Ratio 0.29 0.50
Sortino Ratio 0.41 0.67
Ulcer Index 6.94 4.65
Ratio: Return / Standard Deviation 0.43 0.72
Ratio: Return / Deepest Drawdown 0.28 0.44
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Euro Stocks/Bonds 80/20 LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.57 7.22
Infl. Adjusted (%) 4.43 5.07
DRAWDOWN
Deepest Drawdown Depth (%) -43.83 -27.55
Start to Recovery (months) 67 61
Longest Drawdown Depth (%) -41.94 -27.55
Start to Recovery (months) 78 61
Longest Negative Period (months) 153 111
RISK INDICATORS
Standard Deviation (%) 13.56 8.92
Sharpe Ratio 0.32 0.56
Sortino Ratio 0.43 0.74
Ulcer Index 15.17 8.25
Ratio: Return / Standard Deviation 0.48 0.81
Ratio: Return / Deepest Drawdown 0.15 0.26
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Euro Stocks/Bonds 80/20 LifeStrategy Moderate Growth To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.20 7.38
Infl. Adjusted (%) 3.87 5.02
DRAWDOWN
Deepest Drawdown Depth (%) -43.83 -27.55
Start to Recovery (months) 67 61
Longest Drawdown Depth (%) -41.94 -27.55
Start to Recovery (months) 78 61
Longest Negative Period (months) 153 111
RISK INDICATORS
Standard Deviation (%) 13.15 9.57
Sharpe Ratio 0.25 0.46
Sortino Ratio 0.33 0.62
Ulcer Index 14.09 8.08
Ratio: Return / Standard Deviation 0.47 0.77
Ratio: Return / Deepest Drawdown 0.14 0.27
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 80/20 LifeStrategy Moderate Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.83 67 Sep 2000
Mar 2006
-41.94 78 Jun 2007
Nov 2013
-27.55 61 Sep 2000
Sep 2005
-27.45 30 Nov 2007
Apr 2010
-20.87 15 Jan 2020
Mar 2021
-20.00 16 Jan 2022
Apr 2023
-17.23 9 Aug 1998
Apr 1999
-14.60 24 Apr 2015
Mar 2017
-13.83 26 Jan 2022
Feb 2024
-12.56 18 Nov 2017
Apr 2019
-11.15 10 Feb 2020
Nov 2020
-9.93 6 Jul 1998
Dec 1998
-8.74 20 Apr 2015
Nov 2016
-7.98 7 Aug 1997
Feb 1998
-7.81 5 Aug 2023
Dec 2023

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Euro Stocks/Bonds 80/20 LifeStrategy Moderate Growth To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.83 67 Sep 2000
Mar 2006
-41.94 78 Jun 2007
Nov 2013
-27.55 61 Sep 2000
Sep 2005
-27.45 30 Nov 2007
Apr 2010
-21.77 17 Sep 1987
Jan 1989
-20.87 15 Jan 2020
Mar 2021
-20.00 16 Jan 2022
Apr 2023
-19.41 13 Sep 1987
Sep 1988
-17.23 9 Aug 1998
Apr 1999
-17.08 20 Sep 1989
Apr 1991
-16.81 27 Feb 1994
Apr 1996
-15.07 33 Jul 1990
Mar 1993
-14.60 24 Apr 2015
Mar 2017
-13.83 26 Jan 2022
Feb 2024
-13.02 23 Feb 1994
Dec 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 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 80/20 LifeStrategy Moderate Growth To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 9.54 -3.93 2.15 -7.01
2024
 9.65 -2.92 15.01 -1.79
2023
 18.93 -7.81 12.87 -5.11
2022
 -10.45 -20.00 -13.78 -13.83
2021
 18.23 -3.39 16.77 -1.71
2020
 -1.57 -20.87 5.16 -11.15
2019
 25.30 -4.06 20.85 -2.69
2018
 -9.64 -11.90 -4.21 -6.97
2017
 8.23 -3.22 6.10 -1.32
2016
 3.33 -7.77 7.65 -3.44
2015
 6.53 -12.24 5.41 -8.74
2014
 6.41 -2.63 14.58 -0.73
2013
 17.83 -5.20 10.96 -2.70
2012
 17.72 -10.60 10.32 -1.56
2011
 -11.45 -20.32 0.40 -6.99
2010
 1.43 -6.87 13.81 -2.23
2009
 23.04 -11.73 20.00 -6.85
2008
 -31.47 -31.92 -19.90 -19.90
2007
 4.27 -4.02 2.88 -2.77
2006
 14.50 -4.09 6.27 -4.30
2005
 19.87 -3.27 17.27 -2.06
2004
 9.82 -2.98 6.44 -1.18
2003
 15.68 -9.04 10.02 -3.91
2002
 -23.21 -27.56 -13.98 -17.08
2001
 -13.16 -22.66 -3.65 -12.98
2000
 0.34 -7.41 -0.54 -9.03
1999
 31.16 -2.97 28.18 -3.91
1998
 19.09 -17.23 10.98 -9.93
1997
 25.92 -6.48 22.21 -7.98
1996
 24.24 -4.00 15.59 -4.32
1995
 5.86 -3.92 13.77 -2.40
1994
 -10.55 -13.51 -8.46 -10.88
1993
 29.02 -1.20 29.72 -1.26
1992
 2.97 -10.03 8.93 -8.31
1991
 7.09 -4.53 22.82 -5.00
1990
 -11.15 -15.07 -10.27 -13.20
1989
 20.10 -4.85 17.70 -4.85
1988
 25.27 -2.11 23.32 -2.78
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