European Stocks Portfolio vs Gold Portfolio Portfolio Comparison

Simulation Settings
Period: January 1970 - April 2025 (~55 years)
Consolidated Returns as of 30 April 2025
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1970)
Inflation Adjusted:
European Stocks Portfolio
1.00$
Initial Capital
May 1995
7.75$
Final Capital
April 2025
7.06%
Yearly Return
17.90%
Std Deviation
-59.77%
Max Drawdown
78months
Recovery Period
1.00$
Initial Capital
May 1995
3.68$
Final Capital
April 2025
4.44%
Yearly Return
17.90%
Std Deviation
-60.44%
Max Drawdown
158months
Recovery Period
1.00$
Initial Capital
January 1970
109.13$
Final Capital
April 2025
8.85%
Yearly Return
17.31%
Std Deviation
-59.77%
Max Drawdown
78months
Recovery Period
1.00$
Initial Capital
January 1970
12.87$
Final Capital
April 2025
4.73%
Yearly Return
17.31%
Std Deviation
-60.44%
Max Drawdown
158months
Recovery Period
Gold Portfolio
1.00$
Initial Capital
May 1995
7.75$
Final Capital
April 2025
7.06%
Yearly Return
15.69%
Std Deviation
-42.91%
Max Drawdown
107months
Recovery Period
1.00$
Initial Capital
May 1995
3.68$
Final Capital
April 2025
4.44%
Yearly Return
15.69%
Std Deviation
-45.71%
Max Drawdown
158months
Recovery Period
1.00$
Initial Capital
January 1970
85.94$
Final Capital
April 2025
8.38%
Yearly Return
19.28%
Std Deviation
-61.78%
Max Drawdown
319months
Recovery Period
1.00$
Initial Capital
January 1970
10.13$
Final Capital
April 2025
4.27%
Yearly Return
19.28%
Std Deviation
-82.52%
Max Drawdown
542months
Recovery Period

As of April 2025, in the previous 30 Years, the European Stocks Portfolio obtained a 7.06% compound annual return, with a 17.90% standard deviation. It suffered a maximum drawdown of -59.77% that required 78 months to be recovered.

As of April 2025, in the previous 30 Years, the Gold Portfolio obtained a 7.06% compound annual return, with a 15.69% standard deviation. It suffered a maximum drawdown of -42.91% that required 107 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.

European Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VGK
Vanguard FTSE Europe
Gold Portfolio
Weight
(%)		 Ticker Name
100.00
GLD
SPDR Gold Trust
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Portfolio Returns as of Apr 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • dividend reinvestment, when applicable.
RETURN COMPARISON
Period: 1 January 1970 - 30 April 2025 (~55 years)
Swipe left to see all data
Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~55Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp European Stocks
-- Market Benchmark 		15.34 3.85 10.21 14.82 13.21 5.98 7.06 8.85
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gold.webp Gold
-- Market Benchmark 		25.46 5.42 19.83 43.38 13.85 10.35 7.06 8.38
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

European Stocks Portfolio: an investment of 1$, since May 1995, now would be worth 7.75$, with a total return of 674.50% (7.06% annualized).

Gold Portfolio: an investment of 1$, since May 1995, now would be worth 7.75$, with a total return of 675.13% (7.06% annualized).


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European Stocks Portfolio: an investment of 1$, since January 1970, now would be worth 109.13$, with a total return of 10813.46% (8.85% annualized).

Gold Portfolio: an investment of 1$, since January 1970, now would be worth 85.94$, with a total return of 8493.64% (8.38% annualized).


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Portfolio Metrics as of Apr 30, 2025

The following metrics, updated as of 30 April 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 May 2024 - 30 April 2025 (1 year)
Period: 1 May 2020 - 30 April 2025 (5 years)
Period: 1 May 2015 - 30 April 2025 (10 years)
Period: 1 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1970 - 30 April 2025 (~55 years)
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European Stocks Gold
Author
ASSET ALLOCATION
Stocks 100% 0%
Fixed Income 0% 0%
Commodities 0% 100%
PERFORMANCES
Annualized Return (%) 14.82 43.38
Infl. Adjusted Return (%) 12.49 40.46
DRAWDOWN
Deepest Drawdown Depth (%) -9.72 -4.49
Start to Recovery (months) 6 3
Longest Drawdown Depth (%) -9.72 -4.49
Start to Recovery (months) 6 3
Longest Negative Period (months) 8 3
RISK INDICATORS
Standard Deviation (%) 12.81 12.01
Sharpe Ratio 0.78 3.21
Sortino Ratio 1.06 4.47
Ulcer Index 3.93 1.52
Ratio: Return / Standard Deviation 1.16 3.61
Ratio: Return / Deepest Drawdown 1.53 9.66
Metrics calculated over the period 1 May 2024 - 30 April 2025
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European Stocks Gold
Author
ASSET ALLOCATION
Stocks 100% 0%
Fixed Income 0% 0%
Commodities 0% 100%
PERFORMANCES
Annualized Return (%) 13.21 13.85
Infl. Adjusted Return (%) 8.30 8.91
DRAWDOWN
Deepest Drawdown Depth (%) -30.98 -18.08
Start to Recovery (months) 28 40
Longest Drawdown Depth (%) -30.98 -18.08
Start to Recovery (months) 28 40
Longest Negative Period (months) 31 39
RISK INDICATORS
Standard Deviation (%) 18.33 14.73
Sharpe Ratio 0.58 0.77
Sortino Ratio 0.83 1.14
Ulcer Index 9.08 6.97
Ratio: Return / Standard Deviation 0.72 0.94
Ratio: Return / Deepest Drawdown 0.43 0.77
Metrics calculated over the period 1 May 2020 - 30 April 2025
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European Stocks Gold
Author
ASSET ALLOCATION
Stocks 100% 0%
Fixed Income 0% 0%
Commodities 0% 100%
PERFORMANCES
Annualized Return (%) 5.98 10.35
Infl. Adjusted Return (%) 2.83 7.06
DRAWDOWN
Deepest Drawdown Depth (%) -30.98 -18.08
Start to Recovery (months) 28 40
Longest Drawdown Depth (%) -30.98 -18.08
Start to Recovery (months) 28 40
Longest Negative Period (months) 64 41
RISK INDICATORS
Standard Deviation (%) 16.97 14.10
Sharpe Ratio 0.25 0.61
Sortino Ratio 0.34 0.91
Ulcer Index 9.74 6.65
Ratio: Return / Standard Deviation 0.35 0.73
Ratio: Return / Deepest Drawdown 0.19 0.57
Metrics calculated over the period 1 May 2015 - 30 April 2025
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European Stocks Gold
Author
ASSET ALLOCATION
Stocks 100% 0%
Fixed Income 0% 0%
Commodities 0% 100%
PERFORMANCES
Annualized Return (%) 7.06 7.06
Infl. Adjusted Return (%) 4.44 4.44
DRAWDOWN
Deepest Drawdown Depth (%) -59.77 -42.91
Start to Recovery (months) 78 107
Longest Drawdown Depth (%) -59.77 -42.91
Start to Recovery (months) 78 107
Longest Negative Period (months) 155 145
RISK INDICATORS
Standard Deviation (%) 17.90 15.69
Sharpe Ratio 0.27 0.31
Sortino Ratio 0.36 0.45
Ulcer Index 18.65 20.47
Ratio: Return / Standard Deviation 0.39 0.45
Ratio: Return / Deepest Drawdown 0.12 0.16
Metrics calculated over the period 1 May 1995 - 30 April 2025
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European Stocks Gold
Author
ASSET ALLOCATION
Stocks 100% 0%
Fixed Income 0% 0%
Commodities 0% 100%
PERFORMANCES
Annualized Return (%) 8.85 8.38
Infl. Adjusted Return (%) 4.73 4.27
DRAWDOWN
Deepest Drawdown Depth (%) -59.77 -61.78
Start to Recovery (months) 78 319
Longest Drawdown Depth (%) -59.77 -61.78
Start to Recovery (months) 78 319
Longest Negative Period (months) 155 329
RISK INDICATORS
Standard Deviation (%) 17.31 19.28
Sharpe Ratio 0.26 0.21
Sortino Ratio 0.35 0.32
Ulcer Index 15.43 33.62
Ratio: Return / Standard Deviation 0.51 0.43
Ratio: Return / Deepest Drawdown 0.15 0.14
Metrics calculated over the period 1 January 1970 - 30 April 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 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1970 - 30 April 2025 (~55 years)

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European Stocks Gold
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-59.77 78 Nov 2007
Apr 2014
-45.88 57 Apr 2000
Dec 2004
-42.91 107 Sep 2011
Jul 2020
-37.17 95 Feb 1996
Dec 2003
-30.98 28 Sep 2021
Dec 2023
-25.83 15 Mar 2008
May 2009
-25.65 11 Jan 2020
Nov 2020
-20.91 36 Jun 2014
May 2017
-19.44 23 Feb 2018
Dec 2019
-18.08 40 Aug 2020
Nov 2023
-16.03 9 Aug 1998
Apr 1999
-9.72 6 Oct 2024
Mar 2025
-8.64 10 Dec 2004
Sep 2005
-8.63 10 May 2006
Feb 2007
-8.37 6 Dec 2009
May 2010

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European Stocks Gold
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-61.78 319 Oct 1980
Apr 2007
-59.77 78 Nov 2007
Apr 2014
-45.88 57 Apr 2000
Dec 2004
-44.24 43 Jan 1975
Jul 1978
-42.91 107 Sep 2011
Jul 2020
-38.16 30 Jan 1973
Jun 1975
-33.23 29 Dec 1980
Apr 1983
-30.98 28 Sep 2021
Dec 2023
-26.83 15 Jan 1970
Mar 1971
-25.83 15 Mar 2008
May 2009
-25.65 11 Jan 2020
Nov 2020
-24.27 5 Feb 1980
Jun 1980
-23.15 22 Oct 1987
Jul 1989
-20.91 36 Jun 2014
May 2017
-20.49 7 Jul 1973
Jan 1974

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 1970 - 30 April 2025 (~55 years)


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.

Swipe left to see all data
European Stocks Gold
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 15.34 0.00 25.46 0.00
2024
 1.87 -9.72 26.66 -4.49
2023
 20.21 -11.19 12.69 -7.22
2022
 -16.00 -30.58 -0.77 -15.91
2021
 16.88 -5.48 -4.15 -10.32
2020
 6.11 -25.65 24.81 -10.12
2019
 24.86 -5.67 17.86 -4.10
2018
 -14.91 -19.44 -1.94 -11.66
2017
 26.99 -0.51 12.81 -4.09
2016
 -0.37 -8.60 8.03 -15.02
2015
 -1.94 -11.47 -10.67 -17.81
2014
 -7.10 -11.75 -2.19 -12.44
2013
 24.38 -4.42 -28.33 -28.33
2012
 21.57 -14.17 6.60 -10.45
2011
 -11.64 -27.74 9.57 -14.48
2010
 6.05 -17.10 29.27 -5.09
2009
 31.33 -22.78 24.03 -7.20
2008
 -44.71 -48.36 4.92 -25.83
2007
 13.24 -5.77 30.45 -4.20
2006
 33.06 -2.93 22.55 -8.63
2005
 9.26 -4.49 17.76 -4.91
2004
 20.86 -3.93 4.65 -8.31
2003
 38.70 -9.25 19.89 -8.88
2002
 -17.95 -25.96 25.57 -6.72
2001
 -20.30 -27.21 0.75 -6.10
2000
 -8.21 -14.23 -5.44 -9.93
1999
 16.66 -4.90 0.85 -11.47
1998
 28.86 -16.03 -0.83 -12.01
1997
 24.23 -5.68 -21.41 -21.41
1996
 21.25 -1.20 -4.59 -8.95
1995
 22.28 -3.97 0.98 -2.46
1994
 1.88 -7.00 -2.17 -3.91
1993
 29.13 -2.19 17.68 -11.51
1992
 -3.32 -12.85 -5.73 -6.97
1991
 12.40 -12.16 -8.56 -10.05
1990
 -3.87 -20.21 -3.11 -15.14
1989
 28.18 -6.85 -2.84 -12.30
1988
 13.69 -6.81 -15.26 -18.05
1987
 7.05 -23.15 24.53 -1.97
1986
 40.96 -8.83 18.96 -8.14
1985
 78.72 0.00 6.00 -6.67
1984
 0.52 -9.51 -19.38 -21.80
1983
 20.82 -3.29 -16.31 -23.52
1982
 3.86 -19.58 14.94 -20.13
1981
 -12.54 -16.77 -32.60 -32.60
1980
 11.80 -12.84 15.19 -24.27
1979
 12.18 -7.42 126.55 -4.46
1978
 21.77 -6.97 37.01 -20.28
1977
 21.77 -2.49 22.64 -4.00
1976
 -7.88 -19.23 -4.10 -25.85
1975
 41.32 -10.90 -24.80 -25.92
1974
 -24.15 -32.15 66.15 -16.62
1973
 -8.86 -10.68 72.96 -20.49
1972
 14.25 -2.68 49.02 -6.88
1971
 26.21 -4.56 16.70 -3.48
1970
 -10.74 -26.83 6.16 -1.56
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