Gold Portfolio vs Tyler Pinwheel Portfolio Portfolio Comparison

Simulation Settings

Period: January 1976 - January 2026 (~50 years)
Consolidated Returns as of 31 January 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

30 Years
(1996/02 - 2026/01)

All Data
(1976/01 - 2026/01)

Inflation Adjusted:

Gold Portfolio

1.00$
Invested Capital
February 1996
10.91$
Final Capital
January 2026
8.29%
Yearly Return
15.98%
Std Deviation
-42.91%
Max Drawdown
107months
Recovery Period

1.00$
Invested Capital
February 1996
5.18$
Final Capital
January 2026
5.63%
Yearly Return
15.98%
Std Deviation
-45.71%
Max Drawdown
158months
Recovery Period

1.00$
Invested Capital
January 1976
31.55$
Final Capital
January 2026
7.13%
Yearly Return
18.37%
Std Deviation
-61.78%
Max Drawdown
319months
Recovery Period

1.00$
Invested Capital
January 1976
5.38$
Final Capital
January 2026
3.42%
Yearly Return
18.37%
Std Deviation
-82.52%
Max Drawdown
542months
Recovery Period

Tyler Pinwheel Portfolio

1.00$
Invested Capital
February 1996
9.68$
Final Capital
January 2026
7.86%
Yearly Return
10.54%
Std Deviation
-36.89%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
February 1996
4.59$
Final Capital
January 2026
5.21%
Yearly Return
10.54%
Std Deviation
-37.93%
Max Drawdown
38months
Recovery Period

1.00$
Invested Capital
January 1976
129.97$
Final Capital
January 2026
10.21%
Yearly Return
10.31%
Std Deviation
-36.89%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
January 1976
22.16$
Final Capital
January 2026
6.38%
Yearly Return
10.31%
Std Deviation
-37.93%
Max Drawdown
38months
Recovery Period

As of January 2026, in the previous 30 Years, the Gold Portfolio obtained a 8.29% compound annual return, with a 15.98% standard deviation. It suffered a maximum drawdown of -42.91% that required 107 months to be recovered.

As of January 2026, in the previous 30 Years, the Tyler Pinwheel Portfolio obtained a 7.86% compound annual return, with a 10.54% standard deviation. It suffered a maximum drawdown of -36.89% that required 36 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 Portfolio

Weight (%)	Ticker	Name
100.00	GLD	SPDR Gold Trust

Tyler Pinwheel Portfolio

Weight (%)	Ticker	Name
15.00	EFA	iShares MSCI EAFE
15.00	VTI	Vanguard Total Stock Market
15.00	VNQ	Vanguard Real Estate
10.00	EEM	iShares MSCI Emerging Markets
10.00	IJS	iShares S&P Small-Cap 600 Value
15.00	IEI	iShares 3-7 Year Treasury Bond
10.00	BIL	SPDR Blmbg Barclays 1-3 Mth T-Bill
10.00	GLD	SPDR Gold Trust

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Portfolio Returns as of Jan 31, 2026

Returns are calculated in USD, assuming:

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

Return Comparison

Capital Growth

30 Years
(1996/02 - 2026/01)

All Data
(1976/01 - 2026/01)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gold	1 $	10.91 $	991.14%	8.29%
Pinwheel Tyler	1 $	9.68 $	868.23%	7.86%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gold	1 $	5.18 $	417.61%	5.63%
Pinwheel Tyler	1 $	4.59 $	359.30%	5.21%
	Feb 1996	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gold	1 $	31.55 $	3 055.16%	7.13%
Pinwheel Tyler	1 $	129.97 $	12 896.87%	10.21%
	Jan 1976	Jan 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gold	1 $	5.38 $	437.93%	3.42%
Pinwheel Tyler	1 $	22.16 $	2 115.87%	6.38%
	Jan 1976	Jan 2026

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		Return (%) as of Jan 31, 2026
		YTD (1M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~50Y)
	Gold -- Market Benchmark	12.27	12.27	46.87	72.09	20.85	15.32	8.29	7.13
	Pinwheel Tyler	4.07	4.07	14.64	21.38	8.60	8.91	7.86	10.21
Returns over 1 year are annualized.

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Portfolio Metrics as of Jan 31, 2026

The following metrics, updated as of 31 January 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 February 2025 - 31 January 2026 (1 year)

Period: 1 February 2021 - 31 January 2026 (5 years)

Period: 1 February 2016 - 31 January 2026 (10 years)

Period: 1 February 1996 - 31 January 2026 (30 years)

Period: 1 January 1976 - 31 January 2026 (~50 years)

1 Year

5 Years

10 Years

30 Years

All (1976/01 - 2026/01)

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	Gold	Pinwheel
Author		Tyler
ASSET ALLOCATION
Stocks	0%	65%
Fixed Income	0%	25%
Commodities	100%	10%
PERFORMANCES
Annualized Return (%)	72.09	21.38
Infl. Adjusted (%)	68.42	18.80
DRAWDOWN
Deepest Drawdown Depth (%)	-0.61	-0.60
Start to Recovery (months)	2	3
Longest Drawdown Depth (%)	-0.06	-0.60
Start to Recovery (months)	2	3
Longest Negative Period (months)	3	2
RISK INDICATORS
Standard Deviation (%)	14.70	4.86
Sharpe Ratio	4.63	3.56
Sortino Ratio	7.34	5.30
Ulcer Index	0.17	0.17
Ratio: Return / Standard Deviation	4.90	4.40
Ratio: Return / Deepest Drawdown	117.51	35.69
Metrics calculated over the period 1 February 2025 - 31 January 2026

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	Gold	Pinwheel
Author		Tyler
ASSET ALLOCATION
Stocks	0%	65%
Fixed Income	0%	25%
Commodities	100%	10%
PERFORMANCES
Annualized Return (%)	20.85	8.60
Infl. Adjusted (%)	15.72	3.99
DRAWDOWN
Deepest Drawdown Depth (%)	-15.91	-19.49
Start to Recovery (months)	12	27
Longest Drawdown Depth (%)	-15.91	-19.49
Start to Recovery (months)	12	27
Longest Negative Period (months)	32	33
RISK INDICATORS
Standard Deviation (%)	14.98	10.56
Sharpe Ratio	1.18	0.52
Sortino Ratio	1.77	0.69
Ulcer Index	4.85	6.57
Ratio: Return / Standard Deviation	1.39	0.81
Ratio: Return / Deepest Drawdown	1.31	0.44
Metrics calculated over the period 1 February 2021 - 31 January 2026

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	Gold	Pinwheel
Author		Tyler
ASSET ALLOCATION
Stocks	0%	65%
Fixed Income	0%	25%
Commodities	100%	10%
PERFORMANCES
Annualized Return (%)	15.32	8.91
Infl. Adjusted (%)	11.73	5.52
DRAWDOWN
Deepest Drawdown Depth (%)	-18.08	-19.49
Start to Recovery (months)	40	27
Longest Drawdown Depth (%)	-18.08	-19.49
Start to Recovery (months)	40	27
Longest Negative Period (months)	39	34
RISK INDICATORS
Standard Deviation (%)	14.51	10.12
Sharpe Ratio	0.91	0.68
Sortino Ratio	1.39	0.89
Ulcer Index	6.38	5.20
Ratio: Return / Standard Deviation	1.06	0.88
Ratio: Return / Deepest Drawdown	0.85	0.46
Metrics calculated over the period 1 February 2016 - 31 January 2026

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	Gold	Pinwheel
Author		Tyler
ASSET ALLOCATION
Stocks	0%	65%
Fixed Income	0%	25%
Commodities	100%	10%
PERFORMANCES
Annualized Return (%)	8.29	7.86
Infl. Adjusted (%)	5.63	5.21
DRAWDOWN
Deepest Drawdown Depth (%)	-42.91	-36.89
Start to Recovery (months)	107	36
Longest Drawdown Depth (%)	-42.91	-36.89
Start to Recovery (months)	107	36
Longest Negative Period (months)	145	51
RISK INDICATORS
Standard Deviation (%)	15.98	10.54
Sharpe Ratio	0.38	0.53
Sortino Ratio	0.56	0.70
Ulcer Index	20.46	6.56
Ratio: Return / Standard Deviation	0.52	0.75
Ratio: Return / Deepest Drawdown	0.19	0.21
Metrics calculated over the period 1 February 1996 - 31 January 2026

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	Gold	Pinwheel
Author		Tyler
ASSET ALLOCATION
Stocks	0%	65%
Fixed Income	0%	25%
Commodities	100%	10%
PERFORMANCES
Annualized Return (%)	7.13	10.21
Infl. Adjusted (%)	3.42	6.38
DRAWDOWN
Deepest Drawdown Depth (%)	-61.78	-36.89
Start to Recovery (months)	319	36
Longest Drawdown Depth (%)	-61.78	-36.89
Start to Recovery (months)	319	36
Longest Negative Period (months)	329	51
RISK INDICATORS
Standard Deviation (%)	18.37	10.31
Sharpe Ratio	0.16	0.58
Sortino Ratio	0.24	0.76
Ulcer Index	34.80	5.56
Ratio: Return / Standard Deviation	0.39	0.99
Ratio: Return / Deepest Drawdown	0.12	0.28
Metrics calculated over the period 1 January 1976 - 31 January 2026

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 February 1996 - 31 January 2026 (30 years)

Period: 1 January 1976 - 31 January 2026 (~50 years)

30 Years
(1996/02 - 2026/01)

Chart Table

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Gold			Pinwheel
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-42.91	107	Sep 2011 Jul 2020
-37.17	95	Feb 1996 Dec 2003
			-36.89	36	Nov 2007 Oct 2010
-25.83	15	Mar 2008 May 2009
			-19.49	27	Jan 2022 Mar 2024
-18.08	40	Aug 2020 Nov 2023
			-14.99	8	Jan 2020 Aug 2020
			-14.05	12	May 1998 Apr 1999
			-12.72	11	May 2011 Mar 2012
			-11.06	13	Jun 2002 Jun 2003
			-8.88	14	Feb 2001 Mar 2002
-8.64	10	Dec 2004 Sep 2005
-8.63	10	May 2006 Feb 2007
-8.37	6	Dec 2009 May 2010
-8.31	7	Apr 2004 Oct 2004

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Gold			Pinwheel
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-61.78	319	Oct 1980 Apr 2007
-42.91	107	Sep 2011 Jul 2020
			-36.89	36	Nov 2007 Oct 2010
-25.85	14	Jan 1976 Feb 1977
-25.83	15	Mar 2008 May 2009
-24.27	5	Feb 1980 Jun 1980
-20.28	4	Nov 1978 Feb 1979
			-19.49	27	Jan 2022 Mar 2024
-18.08	40	Aug 2020 Nov 2023
			-14.99	8	Jan 2020 Aug 2020
			-14.91	16	Sep 1987 Dec 1988
			-14.05	12	May 1998 Apr 1999
			-12.72	11	May 2011 Mar 2012
			-12.51	14	Jan 1990 Feb 1991
			-12.10	23	Dec 1980 Oct 1982

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 January 2026 (~50 years)

Rolling Period:

Gold
Pinwheel

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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	Gold		Pinwheel
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	12.27	0.00	4.07	0.00
2025	63.68	-0.61	19.66	-0.60
2024	26.66	-4.49	9.66	-3.29
2023	12.69	-7.22	13.20	-8.07
2022	-0.77	-15.91	-13.57	-19.49
2021	-4.15	-10.32	13.53	-3.10
2020	24.81	-10.12	9.12	-14.99
2019	17.86	-4.10	19.31	-3.16
2018	-1.94	-11.66	-6.39	-8.24
2017	12.81	-4.09	14.08	0.00
2016	8.03	-15.02	8.63	-2.93
2015	-10.67	-17.81	-2.88	-7.37
2014	-2.19	-12.44	6.12	-3.95
2013	-28.33	-28.33	9.02	-4.25
2012	6.60	-10.45	12.60	-5.90
2011	9.57	-14.48	-0.25	-12.72
2010	29.27	-5.09	16.08	-7.26
2009	24.03	-7.20	24.19	-14.81
2008	4.92	-25.83	-22.51	-27.78
2007	30.45	-4.20	7.60	-4.41
2006	22.55	-8.63	19.78	-3.25
2005	17.76	-4.91	11.02	-2.58
2004	4.65	-8.31	15.19	-5.84
2003	19.89	-8.88	28.19	-3.19
2002	25.57	-6.72	-2.13	-11.06
2001	0.75	-6.10	-0.61	-8.88
2000	-5.44	-9.93	1.80	-5.84
1999	0.85	-11.47	15.18	-2.13
1998	-0.83	-12.01	3.43	-14.05
1997	-21.41	-21.41	8.85	-4.25
1996	-4.59	-8.95	13.00	-2.47
1995	0.98	-2.46	14.60	-1.63
1994	-2.17	-3.91	-2.32	-6.30
1993	17.68	-11.51	24.96	-3.33
1992	-5.73	-6.97	4.01	-2.90
1991	-8.56	-10.05	29.20	-3.25
1990	-3.11	-15.14	-7.14	-12.51
1989	-2.84	-12.30	21.94	-1.96
1988	-15.26	-18.05	14.95	-2.14
1987	24.53	-1.97	2.63	-14.91
1986	18.96	-8.14	21.90	-2.21
1985	6.00	-6.67	27.17	-1.91
1984	-19.38	-21.80	8.12	-3.20
1983	-16.31	-23.52	17.25	-1.79
1982	14.94	-20.13	13.76	-9.40
1981	-32.60	-32.60	-0.90	-8.40
1980	15.19	-24.27	18.33	-11.81
1979	126.55	-4.46	29.93	-6.94
1978	37.01	-20.28	15.63	-5.44
1977	22.64	-4.00	10.76	-0.79
1976	-4.10	-25.85	19.79	-2.33

Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Jan 31, 2026

Portfolio Metrics as of Jan 31, 2026

Drawdowns

Rolling Returns

Yearly Returns