European Stocks Portfolio vs Scott Burns Couch Potato Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - March 2025 (~40 years)
Consolidated Returns as of 31 March 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1985)
Inflation Adjusted:
European Stocks Portfolio
1.00$
Initial Capital
April 1995
7.77$
Final Capital
March 2025
7.07%
Yearly Return
17.90%
Std Deviation
-59.77%
Max Drawdown
78months
Recovery Period
1.00$
Initial Capital
April 1995
3.68$
Final Capital
March 2025
4.43%
Yearly Return
17.90%
Std Deviation
-60.44%
Max Drawdown
158months
Recovery Period
1.00$
Initial Capital
January 1985
44.22$
Final Capital
March 2025
9.87%
Yearly Return
17.77%
Std Deviation
-59.77%
Max Drawdown
78months
Recovery Period
1.00$
Initial Capital
January 1985
14.59$
Final Capital
March 2025
6.89%
Yearly Return
17.77%
Std Deviation
-60.44%
Max Drawdown
158months
Recovery Period
Scott Burns Couch Potato Portfolio
1.00$
Initial Capital
April 1995
10.67$
Final Capital
March 2025
8.21%
Yearly Return
8.75%
Std Deviation
-27.04%
Max Drawdown
30months
Recovery Period
1.00$
Initial Capital
April 1995
5.05$
Final Capital
March 2025
5.54%
Yearly Return
8.75%
Std Deviation
-28.24%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
January 1985
35.92$
Final Capital
March 2025
9.31%
Yearly Return
9.05%
Std Deviation
-27.04%
Max Drawdown
30months
Recovery Period
1.00$
Initial Capital
January 1985
11.85$
Final Capital
March 2025
6.34%
Yearly Return
9.05%
Std Deviation
-28.24%
Max Drawdown
36months
Recovery Period

As of March 2025, in the previous 30 Years, the European Stocks Portfolio obtained a 7.07% 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 March 2025, in the previous 30 Years, the Scott Burns Couch Potato Portfolio obtained a 8.21% compound annual return, with a 8.75% standard deviation. It suffered a maximum drawdown of -27.04% that required 30 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
(%)		 ETF
Ticker		 Name
100.00
VGK
Vanguard FTSE Europe
Scott Burns Couch Potato Portfolio
Weight
(%)		 ETF
Ticker		 Name
50.00
VTI
Vanguard Total Stock Market
50.00
TIP
iShares TIPS Bond
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Portfolio Returns as of Mar 31, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
RETURN COMPARISON
Period: 1 January 1985 - 31 March 2025 (~40 years)
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Return (%) as of Mar 31, 2025
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp European Stocks
-- Market Benchmark 		11.07 0.42 0.27 7.75 13.77 6.02 7.07 9.87
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_scott_burns.webp Couch Potato
Scott Burns 		-0.29 -2.55 -0.27 7.12 9.90 7.14 8.21 9.31
Return over 1 year are annualized.
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Capital Growth as of Mar 31, 2025

European Stocks Portfolio: an investment of 1$, since April 1995, now would be worth 7.77$, with a total return of 677.12% (7.07% annualized).

Scott Burns Couch Potato Portfolio: an investment of 1$, since April 1995, now would be worth 10.67$, with a total return of 967.28% (8.21% annualized).


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European Stocks Portfolio: an investment of 1$, since January 1985, now would be worth 44.22$, with a total return of 4322.11% (9.87% annualized).

Scott Burns Couch Potato Portfolio: an investment of 1$, since January 1985, now would be worth 35.92$, with a total return of 3491.85% (9.31% annualized).


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Portfolio Metrics as of Mar 31, 2025

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

METRIC COMPARISON
Period: 1 April 2024 - 31 March 2025 (1 year)
Period: 1 April 2020 - 31 March 2025 (5 years)
Period: 1 April 2015 - 31 March 2025 (10 years)
Period: 1 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1985 - 31 March 2025 (~40 years)
Swipe left to see all data
European Stocks Couch Potato
Author Scott Burns
ASSET ALLOCATION
Stocks 100% 50%
Fixed Income 0% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.75 7.12
Infl. Adjusted Return (%) 5.23 4.62
DRAWDOWN
Deepest Drawdown Depth (%) -9.72 -3.08
Start to Recovery (months) 6 2
Longest Drawdown Depth (%) -9.72 -2.73
Start to Recovery (months) 6 4*
Longest Negative Period (months) 9 6*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 12.97 7.90
Sharpe Ratio 0.22 0.28
Sortino Ratio 0.32 0.37
Ulcer Index 4.00 1.38
Ratio: Return / Standard Deviation 0.60 0.90
Ratio: Return / Deepest Drawdown 0.80 2.31
Metrics calculated over the period 1 April 2024 - 31 March 2025
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European Stocks Couch Potato
Author Scott Burns
ASSET ALLOCATION
Stocks 100% 50%
Fixed Income 0% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 13.77 9.90
Infl. Adjusted Return (%) 9.01 5.30
DRAWDOWN
Deepest Drawdown Depth (%) -30.98 -19.77
Start to Recovery (months) 28 27
Longest Drawdown Depth (%) -30.98 -19.77
Start to Recovery (months) 28 27
Longest Negative Period (months) 31 32
RISK INDICATORS
Standard Deviation (%) 18.44 11.00
Sharpe Ratio 0.61 0.68
Sortino Ratio 0.87 0.91
Ulcer Index 9.08 7.29
Ratio: Return / Standard Deviation 0.75 0.90
Ratio: Return / Deepest Drawdown 0.44 0.50
Metrics calculated over the period 1 April 2020 - 31 March 2025
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European Stocks Couch Potato
Author Scott Burns
ASSET ALLOCATION
Stocks 100% 50%
Fixed Income 0% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.02 7.14
Infl. Adjusted Return (%) 2.85 3.93
DRAWDOWN
Deepest Drawdown Depth (%) -30.98 -19.77
Start to Recovery (months) 28 27
Longest Drawdown Depth (%) -30.98 -19.77
Start to Recovery (months) 28 27
Longest Negative Period (months) 64 32
RISK INDICATORS
Standard Deviation (%) 16.98 9.43
Sharpe Ratio 0.25 0.57
Sortino Ratio 0.35 0.76
Ulcer Index 9.74 5.49
Ratio: Return / Standard Deviation 0.35 0.76
Ratio: Return / Deepest Drawdown 0.19 0.36
Metrics calculated over the period 1 April 2015 - 31 March 2025
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European Stocks Couch Potato
Author Scott Burns
ASSET ALLOCATION
Stocks 100% 50%
Fixed Income 0% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.07 8.21
Infl. Adjusted Return (%) 4.43 5.54
DRAWDOWN
Deepest Drawdown Depth (%) -59.77 -27.04
Start to Recovery (months) 78 30
Longest Drawdown Depth (%) -59.77 -10.30
Start to Recovery (months) 78 33
Longest Negative Period (months) 155 62
RISK INDICATORS
Standard Deviation (%) 17.90 8.75
Sharpe Ratio 0.27 0.68
Sortino Ratio 0.36 0.89
Ulcer Index 18.65 5.17
Ratio: Return / Standard Deviation 0.40 0.94
Ratio: Return / Deepest Drawdown 0.12 0.30
Metrics calculated over the period 1 April 1995 - 31 March 2025
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European Stocks Couch Potato
Author Scott Burns
ASSET ALLOCATION
Stocks 100% 50%
Fixed Income 0% 50%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.87 9.31
Infl. Adjusted Return (%) 6.89 6.34
DRAWDOWN
Deepest Drawdown Depth (%) -59.77 -27.04
Start to Recovery (months) 78 30
Longest Drawdown Depth (%) -59.77 -10.30
Start to Recovery (months) 78 33
Longest Negative Period (months) 155 62
RISK INDICATORS
Standard Deviation (%) 17.77 9.05
Sharpe Ratio 0.38 0.68
Sortino Ratio 0.50 0.90
Ulcer Index 16.59 4.85
Ratio: Return / Standard Deviation 0.56 1.03
Ratio: Return / Deepest Drawdown 0.17 0.34
Metrics calculated over the period 1 January 1985 - 31 March 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 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1985 - 31 March 2025 (~40 years)

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European Stocks Couch Potato
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-59.77 78 Nov 2007
Apr 2014
-45.88 57 Apr 2000
Dec 2004
-30.98 28 Sep 2021
Dec 2023
-27.04 30 Nov 2007
Apr 2010
-25.65 11 Jan 2020
Nov 2020
-20.91 36 Jun 2014
May 2017
-19.77 27 Jan 2022
Mar 2024
-19.44 23 Feb 2018
Dec 2019
-16.03 9 Aug 1998
Apr 1999
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003
-9.72 6 Oct 2024
Mar 2025
-8.06 8 Sep 2018
Apr 2019
-8.06 5 Jul 1998
Nov 1998
-7.18 3 Jan 2000
Mar 2000

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European Stocks Couch Potato
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-59.77 78 Nov 2007
Apr 2014
-45.88 57 Apr 2000
Dec 2004
-30.98 28 Sep 2021
Dec 2023
-27.04 30 Nov 2007
Apr 2010
-25.65 11 Jan 2020
Nov 2020
-23.15 22 Oct 1987
Jul 1989
-20.91 36 Jun 2014
May 2017
-20.21 22 Aug 1990
May 1992
-19.77 27 Jan 2022
Mar 2024
-19.44 23 Feb 2018
Dec 2019
-16.03 17 Sep 1987
Jan 1989
-16.03 9 Aug 1998
Apr 1999
-12.85 15 Jun 1992
Aug 1993
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003

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 1985 - 31 March 2025 (~40 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.

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European Stocks Couch Potato
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 11.07 0.00 -0.29 -2.55
2024
 1.87 -9.72 12.73 -3.08
2023
 20.21 -11.19 14.66 -6.50
2022
 -16.00 -30.58 -16.31 -19.77
2021
 16.88 -5.48 15.67 -2.76
2020
 6.11 -25.65 15.93 -10.72
2019
 24.86 -5.67 19.51 -2.63
2018
 -14.91 -19.44 -3.32 -8.06
2017
 26.99 -0.51 12.07 0.00
2016
 -0.37 -8.60 8.75 -2.08
2015
 -1.94 -11.47 -0.70 -5.47
2014
 -7.10 -11.75 8.07 -2.34
2013
 24.38 -4.42 12.48 -3.18
2012
 21.57 -14.17 11.42 -2.32
2011
 -11.64 -27.74 7.12 -6.25
2010
 6.05 -17.10 11.78 -6.09
2009
 31.33 -22.78 18.92 -9.98
2008
 -44.71 -48.36 -18.47 -22.29
2007
 13.24 -5.77 8.64 -1.70
2006
 33.06 -2.93 7.99 -1.54
2005
 9.26 -4.49 4.40 -1.83
2004
 20.86 -3.93 10.53 -3.54
2003
 38.70 -9.25 19.38 -1.09
2002
 -17.95 -25.96 -1.93 -6.44
2001
 -20.30 -27.21 -1.68 -8.57
2000
 -8.21 -14.23 3.54 -5.60
1999
 16.66 -4.90 9.67 -3.30
1998
 28.86 -16.03 16.26 -8.06
1997
 24.23 -5.68 21.85 -3.41
1996
 21.25 -1.20 11.14 -2.76
1995
 22.28 -3.97 29.40 0.00
1994
 1.88 -7.00 -3.21 -8.78
1993
 29.13 -2.19 13.19 -1.53
1992
 -3.32 -12.85 8.92 -2.25
1991
 12.40 -12.16 25.50 -2.55
1990
 -3.87 -20.21 1.06 -7.58
1989
 28.18 -6.85 21.95 -1.62
1988
 13.69 -6.81 11.91 -2.50
1987
 7.05 -23.15 1.19 -16.03
1986
 40.96 -8.83 16.48 -5.55
1985
 78.72 0.00 28.66 -1.87
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Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
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