Gold To EUR Portfolio vs Tyler Pinwheel To EUR Bond Hedged Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - August 2025 (~50 years)
Consolidated Returns as of 31 August 2025
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond August 2025.
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Results
30 Years
(1995/09 - 2025/08)
All Data
(1976/01 - 2025/08)
Inflation Adjusted:
Gold To EUR Portfolio
1.00€
Invested Capital
September 1995
9.00€
Final Capital
August 2025
7.60%
Yearly Return
14.84%
Std Deviation
-37.24%
Max Drawdown
88months
Recovery Period
1.00€
Invested Capital
September 1995
4.91€
Final Capital
August 2025
5.45%
Yearly Return
14.84%
Std Deviation
-38.01%
Max Drawdown
91months
Recovery Period
1.00€
Invested Capital
January 1976
23.55€
Final Capital
August 2025
6.57%
Yearly Return
18.32%
Std Deviation
-55.26%
Max Drawdown
297months
Recovery Period
1.00€
Invested Capital
January 1976
6.97€
Final Capital
August 2025
3.99%
Yearly Return
18.32%
Std Deviation
-68.79%
Max Drawdown
356months
Recovery Period
Tyler Pinwheel To EUR Bond Hedged Portfolio
1.00€
Invested Capital
September 1995
9.36€
Final Capital
August 2025
7.74%
Yearly Return
9.71%
Std Deviation
-30.21%
Max Drawdown
29months
Recovery Period
1.00€
Invested Capital
September 1995
5.11€
Final Capital
August 2025
5.59%
Yearly Return
9.71%
Std Deviation
-32.17%
Max Drawdown
40months
Recovery Period
1.00€
Invested Capital
January 1976
81.72€
Final Capital
August 2025
9.27%
Yearly Return
10.17%
Std Deviation
-30.21%
Max Drawdown
29months
Recovery Period
1.00€
Invested Capital
January 1976
24.17€
Final Capital
August 2025
6.62%
Yearly Return
10.17%
Std Deviation
-32.17%
Max Drawdown
40months
Recovery Period

As of August 2025, in the previous 30 Years, the Gold To EUR Portfolio obtained a 7.60% compound annual return, with a 14.84% standard deviation. It suffered a maximum drawdown of -37.24% that required 88 months to be recovered.

As of August 2025, in the previous 30 Years, the Tyler Pinwheel To EUR Bond Hedged Portfolio obtained a 7.74% compound annual return, with a 9.71% standard deviation. It suffered a maximum drawdown of -30.21% that required 29 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.

Gold To EUR Portfolio
Weight
(%)		 Ticker Name
100.00
PHAU
WisdomTree Physical Gold
Tyler Pinwheel To EUR Bond Hedged Portfolio
Weight
(%)		 Ticker Name
30.00
EUNL.DE
iShares Core MSCI World
15.00
IQQ7.DE
iShares US Property Yield
10.00
IS3N.DE
iShares Core MSCI Emerg. Markets
10.00
ZPRV.DE
SPDR MSCI USA Small Cap Value Weighted
15.00
CBUE.DE
iShares USD Treasury Bond 3-7yr Eur Hedged
10.00
PR1H.DE
Amundi US Treasury Bond 0-1Y EUR Hedged
10.00
PHAU
WisdomTree Physical Gold
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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 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/09 - 2025/08)
All Data
(1976/01 - 2025/08)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
Gold To EUR
 1 € 9.00 € 800.39% 7.60%
Tyler Pinwheel To EUR Bond Hedged
Tyler 		1 € 9.36 € 836.37% 7.74%
Sep 1995 Aug 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Gold To EUR
 1 € 4.91 € 391.07% 5.45%
Tyler Pinwheel To EUR Bond Hedged
Tyler 		1 € 5.11 € 410.70% 5.59%
Sep 1995 Aug 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Gold To EUR
 1 € 23.55 € 2 254.88% 6.57%
Tyler Pinwheel To EUR Bond Hedged
Tyler 		1 € 81.72 € 8 071.57% 9.27%
Jan 1976 Aug 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Gold To EUR
 1 € 6.97 € 596.66% 3.99%
Tyler Pinwheel To EUR Bond Hedged
Tyler 		1 € 24.17 € 2 317.46% 6.62%
Jan 1976 Aug 2025

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Return (%) as of Aug 31, 2025
YTD
(8M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~50Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gold.webp Gold
-- Market Benchmark 		17.36 2.14 7.32 29.54 11.89 10.86 7.60 6.57
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_tyler.webp Pinwheel • Bond Hedged
Tyler 		1.80 0.91 -0.80 7.02 8.98 7.18 7.74 9.27
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 January 1976 - 31 August 2025 (~50 years)
1 Year
5 Years
10 Years
30 Years
All (1976/01 - 2025/08)
Swipe left to see all data
Gold To EUR Pinwheel To EUR Bond Hedged
Author Tyler
ASSET ALLOCATION
Stocks 0% 65%
Fixed Income 0% 25%
Commodities 100% 10%
PERFORMANCES
Annualized Return (%) 29.54 7.02
Infl. Adjusted (%) 27.12 5.02
DRAWDOWN
Deepest Drawdown Depth (%) -4.12 -7.41
Start to Recovery (months) 4 7*
Longest Drawdown Depth (%) -4.12 -7.41
Start to Recovery (months) 4 7*
Longest Negative Period (months) 4 9*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 11.27 8.98
Sharpe Ratio 2.23 0.29
Sortino Ratio 3.28 0.38
Ulcer Index 1.24 3.19
Ratio: Return / Standard Deviation 2.62 0.78
Ratio: Return / Deepest Drawdown 7.16 0.95
Metrics calculated over the period 1 September 2024 - 31 August 2025
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Gold To EUR Pinwheel To EUR Bond Hedged
Author Tyler
ASSET ALLOCATION
Stocks 0% 65%
Fixed Income 0% 25%
Commodities 100% 10%
PERFORMANCES
Annualized Return (%) 11.89 8.98
Infl. Adjusted (%) 7.33 4.53
DRAWDOWN
Deepest Drawdown Depth (%) -13.63 -10.17
Start to Recovery (months) 18 25
Longest Drawdown Depth (%) -13.63 -10.17
Start to Recovery (months) 18 25
Longest Negative Period (months) 26 28
RISK INDICATORS
Standard Deviation (%) 11.77 8.79
Sharpe Ratio 0.77 0.70
Sortino Ratio 1.08 0.96
Ulcer Index 4.90 4.07
Ratio: Return / Standard Deviation 1.01 1.02
Ratio: Return / Deepest Drawdown 0.87 0.88
Metrics calculated over the period 1 September 2020 - 31 August 2025
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Gold To EUR Pinwheel To EUR Bond Hedged
Author Tyler
ASSET ALLOCATION
Stocks 0% 65%
Fixed Income 0% 25%
Commodities 100% 10%
PERFORMANCES
Annualized Return (%) 10.86 7.18
Infl. Adjusted (%) 8.06 4.47
DRAWDOWN
Deepest Drawdown Depth (%) -15.57 -14.28
Start to Recovery (months) 35 11
Longest Drawdown Depth (%) -15.57 -10.17
Start to Recovery (months) 35 25
Longest Negative Period (months) 38 37
RISK INDICATORS
Standard Deviation (%) 11.82 8.99
Sharpe Ratio 0.76 0.59
Sortino Ratio 1.13 0.79
Ulcer Index 6.33 3.88
Ratio: Return / Standard Deviation 0.92 0.80
Ratio: Return / Deepest Drawdown 0.70 0.50
Metrics calculated over the period 1 September 2015 - 31 August 2025
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Gold To EUR Pinwheel To EUR Bond Hedged
Author Tyler
ASSET ALLOCATION
Stocks 0% 65%
Fixed Income 0% 25%
Commodities 100% 10%
PERFORMANCES
Annualized Return (%) 7.60 7.74
Infl. Adjusted (%) 5.45 5.59
DRAWDOWN
Deepest Drawdown Depth (%) -37.24 -30.21
Start to Recovery (months) 88 29
Longest Drawdown Depth (%) -37.24 -21.75
Start to Recovery (months) 88 35
Longest Negative Period (months) 110 93
RISK INDICATORS
Standard Deviation (%) 14.84 9.71
Sharpe Ratio 0.36 0.56
Sortino Ratio 0.54 0.75
Ulcer Index 13.73 6.73
Ratio: Return / Standard Deviation 0.51 0.80
Ratio: Return / Deepest Drawdown 0.20 0.26
Metrics calculated over the period 1 September 1995 - 31 August 2025
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Gold To EUR Pinwheel To EUR Bond Hedged
Author Tyler
ASSET ALLOCATION
Stocks 0% 65%
Fixed Income 0% 25%
Commodities 100% 10%
PERFORMANCES
Annualized Return (%) 6.57 9.27
Infl. Adjusted (%) 3.99 6.62
DRAWDOWN
Deepest Drawdown Depth (%) -55.26 -30.21
Start to Recovery (months) 297 29
Longest Drawdown Depth (%) -55.26 -21.75
Start to Recovery (months) 297 35
Longest Negative Period (months) 313 93
RISK INDICATORS
Standard Deviation (%) 18.32 10.17
Sharpe Ratio 0.13 0.50
Sortino Ratio 0.19 0.66
Ulcer Index 28.07 6.41
Ratio: Return / Standard Deviation 0.36 0.91
Ratio: Return / Deepest Drawdown 0.12 0.31
Metrics calculated over the period 1 January 1976 - 31 August 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 September 1995 - 31 August 2025 (30 years)
Period: 1 January 1976 - 31 August 2025 (~50 years)
30 Years
(1995/09 - 2025/08)

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Gold To EUR Pinwheel To EUR Bond Hedged
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-37.24 88 Oct 2012
Jan 2020
-30.21 29 Nov 2007
Mar 2010
-27.36 72 Feb 1996
Jan 2002
-21.75 35 Apr 2002
Feb 2005
-15.59 13 Apr 1998
Apr 1999
-14.93 19 Aug 2020
Feb 2022
-14.28 11 Feb 2020
Dec 2020
-14.05 37 Jun 2002
Jun 2005
-12.32 11 Mar 2008
Jan 2009
-11.83 9 Mar 2009
Nov 2009
-11.50 10 Jun 2001
Mar 2002
-10.96 5 Jul 2010
Nov 2010
-10.30 16 Apr 2015
Jul 2016
-10.17 25 Jan 2022
Jan 2024
-8.89 18 May 2006
Oct 2007

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Gold To EUR Pinwheel To EUR Bond Hedged
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-55.26 297 Feb 1983
Oct 2007
-37.24 88 Oct 2012
Jan 2020
-33.20 28 Oct 1980
Jan 1983
-30.21 29 Nov 2007
Mar 2010
-24.33 14 Jan 1976
Feb 1977
-24.09 4 Nov 1978
Feb 1979
-21.75 35 Apr 2002
Feb 2005
-21.32 18 Aug 1987
Jan 1989
-19.50 5 Feb 1980
Jun 1980
-17.47 19 Sep 1989
Mar 1991
-17.36 27 Feb 1994
Apr 1996
-15.59 13 Apr 1998
Apr 1999
-14.93 19 Aug 2020
Feb 2022
-14.28 11 Feb 2020
Dec 2020
-12.32 11 Mar 2008
Jan 2009

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 1976 - 31 August 2025 (~50 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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Gold To EUR Pinwheel To EUR Bond Hedged
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 17.36 -4.12 1.80 -7.41
2024
 33.49 -0.97 16.51 -2.33
2023
 9.48 -5.40 11.14 -5.05
2022
 5.76 -8.59 -10.17 -10.17
2021
 3.83 -7.23 23.02 -1.38
2020
 13.17 -10.98 1.52 -14.28
2019
 20.53 -4.68 20.38 -2.79
2018
 2.45 -8.20 -3.77 -6.82
2017
 -1.30 -9.64 2.33 -4.20
2016
 12.26 -9.32 10.37 -3.27
2015
 -2.15 -14.20 4.86 -10.30
2014
 12.97 -5.06 17.85 -0.57
2013
 -30.59 -30.59 5.33 -3.99
2012
 2.86 -9.58 9.82 -1.74
2011
 14.17 -8.09 2.59 -6.55
2010
 38.43 -10.96 21.90 -2.04
2009
 22.14 -11.83 22.61 -7.74
2008
 8.17 -12.32 -20.66 -20.66
2007
 18.02 -5.52 0.00 -4.66
2006
 9.96 -8.89 9.60 -5.23
2005
 34.82 -2.05 22.72 -2.52
2004
 -2.84 -6.62 8.25 -3.78
2003
 0.01 -11.92 10.92 -5.47
2002
 6.53 -10.88 -12.58 -17.22
2001
 6.57 -6.01 2.83 -11.50
2000
 1.09 -6.56 6.21 -5.89
1999
 17.35 -11.96 27.99 -3.56
1998
 -7.02 -14.38 -1.51 -15.59
1997
 -10.35 -15.56 19.20 -7.72
1996
 -2.77 -10.39 16.67 -4.44
1995
 -3.04 -8.45 8.35 -5.72
1994
 -11.25 -13.99 -10.28 -12.36
1993
 27.37 -16.71 35.24 -1.31
1992
 4.61 -16.57 12.56 -9.02
1991
 -6.50 -18.57 28.82 -3.93
1990
 -15.53 -19.23 -12.47 -14.70
1989
 -4.34 -6.56 19.32 -3.91
1988
 -5.30 -11.23 20.86 -4.44
1987
 1.94 -10.97 -14.51 -21.32
1986
 -1.35 -12.15 3.84 -4.72
1985
 -15.29 -19.62 9.76 -5.51
1984
 -6.78 -7.93 15.85 -5.41
1983
 -0.74 -18.70 29.98 -0.90
1982
 27.66 -14.25 19.11 -2.78
1981
 -19.57 -19.57 8.79 -8.43
1980
 27.34 -19.50 23.36 -7.14
1979
 124.08 -4.48 25.05 -6.17
1978
 24.66 -24.09 4.39 -7.94
1977
 14.27 -5.26 4.27 -0.69
1976
 -2.16 -24.33 16.98 -2.19
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