Gold Portfolio vs Scott Burns Five Fold Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - March 2026 (~41 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
(Change Settings)
The minimum date range must be at least 12 months. 'Date To' cannot be beyond March 2026.
Cashflows Reset
Reset settings
Close
Results
30 Years
(1996/04 - 2026/03)
All Data
(1985/01 - 2026/03)
Inflation Adjusted:
Gold Portfolio
1.00$
Invested Capital
April 1996
10.80$
Final Capital
March 2026
8.25%
Yearly Return
16.18%
Std Deviation
-42.91%
Max Drawdown
107months
Recovery Period
1.00$
Invested Capital
April 1996
5.13$
Final Capital
March 2026
5.60%
Yearly Return
16.18%
Std Deviation
-45.71%
Max Drawdown
158months
Recovery Period
1.00$
Invested Capital
January 1985
13.88$
Final Capital
March 2026
6.58%
Yearly Return
15.34%
Std Deviation
-48.26%
Max Drawdown
217months
Recovery Period
1.00$
Invested Capital
January 1985
4.47$
Final Capital
March 2026
3.70%
Yearly Return
15.34%
Std Deviation
-65.71%
Max Drawdown
242months
Recovery Period
Scott Burns Scott Burns Five Fold Portfolio
1.00$
Invested Capital
April 1996
8.54$
Final Capital
March 2026
7.41%
Yearly Return
9.84%
Std Deviation
-37.94%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
April 1996
4.05$
Final Capital
March 2026
4.78%
Yearly Return
9.84%
Std Deviation
-38.96%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
33.73$
Final Capital
March 2026
8.90%
Yearly Return
9.54%
Std Deviation
-37.94%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
10.86$
Final Capital
March 2026
5.95%
Yearly Return
9.54%
Std Deviation
-38.96%
Max Drawdown
40months
Recovery Period

As of March 2026, in the previous 30 Years, the Gold Portfolio obtained a 8.25% compound annual return, with a 16.18% standard deviation. It suffered a maximum drawdown of -42.91% that required 107 months to be recovered.

As of March 2026, in the previous 30 Years, the Scott Burns Five Fold Portfolio obtained a 7.41% compound annual return, with a 9.84% standard deviation. It suffered a maximum drawdown of -37.94% that required 36 months to be recovered.

Mastering ETF Investing
Mastering ETF Investing
A practical guide to build wealth with Lazy Portfolios and passive investing
Set your goal Evaluate with top metrics
Buy now 🇺🇸 English book
Buy now 🇮🇹 Italian book
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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Gold Portfolio
Weight
(%)		 Ticker Name
100.00
GLD
SPDR Gold Trust
Scott Burns
Scott Burns Five Fold Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
20.00
VEU
Vanguard FTSE All-World ex-US
20.00
VNQ
Vanguard Real Estate
20.00
TIP
iShares TIPS Bond
20.00
BNDX
Vanguard Total International Bond
Test Your Asset Allocation
Evaluate your portfolio strategy in 7 different currencies
Try the Backtest Tool

Portfolio Returns as of Mar 31, 2026

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1996/04 - 2026/03)
All Data
(1985/01 - 2026/03)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Gold
 1 $ 10.80 $ 979.68% 8.25%
Scott Burns Five Fold
Scott Burns 		1 $ 8.54 $ 754.04% 7.41%
Apr 1996 Mar 2026

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Gold
 1 $ 5.13 $ 412.57% 5.60%
Scott Burns Five Fold
Scott Burns 		1 $ 4.05 $ 305.45% 4.78%
Apr 1996 Mar 2026

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Gold
 1 $ 13.88 $ 1 288.04% 6.58%
Scott Burns Five Fold
Scott Burns 		1 $ 33.73 $ 3 272.52% 8.90%
Jan 1985 Mar 2026

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Gold
 1 $ 4.47 $ 347.08% 3.70%
Scott Burns Five Fold
Scott Burns 		1 $ 10.86 $ 986.27% 5.95%
Jan 1985 Mar 2026

Loading data
Please wait
Swipe left to see all data
Return (%) as of Mar 31, 2026
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gold.webp Gold
-- Market Benchmark 		8.57 -11.05 21.05 49.33 21.88 13.85 8.25 6.58
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_scott_burns.webp Five Fold
Scott Burns 		-0.03 -4.66 1.17 10.65 4.89 6.52 7.41 8.90
Returns over 1 year are annualized.
Explore All Lazy Portfolios
Tailored Portfolios for every Investment Strategy

Portfolio Metrics as of Mar 31, 2026

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

METRIC COMPARISON
Period: 1 April 2025 - 31 March 2026 (1 year)
Period: 1 April 2021 - 31 March 2026 (5 years)
Period: 1 April 2016 - 31 March 2026 (10 years)
Period: 1 April 1996 - 31 March 2026 (30 years)
Period: 1 January 1985 - 31 March 2026 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2026/03)
Swipe left to see all data
Gold Five Fold
Author Scott Burns
ASSET ALLOCATION
Stocks 0% 60%
Fixed Income 0% 40%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 49.33 10.65
Infl. Adjusted (%) 45.76 8.00
DRAWDOWN
Deepest Drawdown Depth (%) -11.05 -4.66
Start to Recovery (months) 1* 1*
Longest Drawdown Depth (%) -0.06 -0.05
Start to Recovery (months) 2 2
Longest Negative Period (months) 3 4*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 20.84 6.60
Sharpe Ratio 2.18 1.01
Sortino Ratio 2.83 1.17
Ulcer Index 3.07 1.29
Ratio: Return / Standard Deviation 2.37 1.61
Ratio: Return / Deepest Drawdown 4.46 2.29
Metrics calculated over the period 1 April 2025 - 31 March 2026
Swipe left to see all data
Gold Five Fold
Author Scott Burns
ASSET ALLOCATION
Stocks 0% 60%
Fixed Income 0% 40%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 21.88 4.89
Infl. Adjusted (%) 16.82 0.53
DRAWDOWN
Deepest Drawdown Depth (%) -15.91 -21.60
Start to Recovery (months) 12 32
Longest Drawdown Depth (%) -15.91 -21.60
Start to Recovery (months) 12 32
Longest Negative Period (months) 28 35
RISK INDICATORS
Standard Deviation (%) 15.89 10.94
Sharpe Ratio 1.17 0.15
Sortino Ratio 1.69 0.20
Ulcer Index 4.87 8.58
Ratio: Return / Standard Deviation 1.38 0.45
Ratio: Return / Deepest Drawdown 1.38 0.23
Metrics calculated over the period 1 April 2021 - 31 March 2026
Swipe left to see all data
Gold Five Fold
Author Scott Burns
ASSET ALLOCATION
Stocks 0% 60%
Fixed Income 0% 40%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 13.85 6.52
Infl. Adjusted (%) 10.27 3.18
DRAWDOWN
Deepest Drawdown Depth (%) -18.08 -21.60
Start to Recovery (months) 40 32
Longest Drawdown Depth (%) -18.08 -21.60
Start to Recovery (months) 40 32
Longest Negative Period (months) 39 35
RISK INDICATORS
Standard Deviation (%) 14.88 9.91
Sharpe Ratio 0.79 0.44
Sortino Ratio 1.17 0.57
Ulcer Index 6.46 6.41
Ratio: Return / Standard Deviation 0.93 0.66
Ratio: Return / Deepest Drawdown 0.77 0.30
Metrics calculated over the period 1 April 2016 - 31 March 2026
Swipe left to see all data
Gold Five Fold
Author Scott Burns
ASSET ALLOCATION
Stocks 0% 60%
Fixed Income 0% 40%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 8.25 7.41
Infl. Adjusted (%) 5.60 4.78
DRAWDOWN
Deepest Drawdown Depth (%) -42.91 -37.94
Start to Recovery (months) 107 36
Longest Drawdown Depth (%) -42.91 -37.94
Start to Recovery (months) 107 36
Longest Negative Period (months) 145 62
RISK INDICATORS
Standard Deviation (%) 16.18 9.84
Sharpe Ratio 0.37 0.53
Sortino Ratio 0.55 0.68
Ulcer Index 20.00 6.76
Ratio: Return / Standard Deviation 0.51 0.75
Ratio: Return / Deepest Drawdown 0.19 0.20
Metrics calculated over the period 1 April 1996 - 31 March 2026
Swipe left to see all data
Gold Five Fold
Author Scott Burns
ASSET ALLOCATION
Stocks 0% 60%
Fixed Income 0% 40%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 6.58 8.90
Infl. Adjusted (%) 3.70 5.95
DRAWDOWN
Deepest Drawdown Depth (%) -48.26 -37.94
Start to Recovery (months) 217 36
Longest Drawdown Depth (%) -48.26 -37.94
Start to Recovery (months) 217 36
Longest Negative Period (months) 224 62
RISK INDICATORS
Standard Deviation (%) 15.34 9.54
Sharpe Ratio 0.22 0.60
Sortino Ratio 0.33 0.78
Ulcer Index 23.92 6.02
Ratio: Return / Standard Deviation 0.43 0.93
Ratio: Return / Deepest Drawdown 0.14 0.23
Metrics calculated over the period 1 January 1985 - 31 March 2026
Mastering ETF Investing
Mastering ETF Investing
A practical guide to build wealth with Lazy Portfolios and passive investing
Set your goal Evaluate with top metrics
Buy now 🇺🇸 English book
Buy now 🇮🇹 Italian book

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 1996 - 31 March 2026 (30 years)
Period: 1 January 1985 - 31 March 2026 (~41 years)
30 Years
(1996/04 - 2026/03)

Loading data
Please wait
Swipe left to see all data
Gold Five Fold
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-42.91 107 Sep 2011
Jul 2020
-37.94 36 Nov 2007
Oct 2010
-35.71 92 Apr 1996
Nov 2003
-25.83 15 Mar 2008
May 2009
-21.60 32 Jan 2022
Aug 2024
-18.08 40 Aug 2020
Nov 2023
-13.82 7 Feb 2020
Aug 2020
-11.05 1* Mar 2026
In progress
-10.32 9 May 2011
Jan 2012
-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
-8.29 5 Jul 1998
Nov 1998
-7.24 12 Jun 2002
May 2003

Loading data
Please wait
Swipe left to see all data
Gold Five Fold
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.26 217 Dec 1987
Dec 2005
-42.91 107 Sep 2011
Jul 2020
-37.94 36 Nov 2007
Oct 2010
-25.83 15 Mar 2008
May 2009
-21.60 32 Jan 2022
Aug 2024
-18.08 40 Aug 2020
Nov 2023
-13.82 7 Feb 2020
Aug 2020
-12.21 14 Jan 1990
Feb 1991
-11.82 10 Sep 1987
Jun 1988
-11.05 1* Mar 2026
In progress
-10.32 9 May 2011
Jan 2012
-8.63 10 May 2006
Feb 2007
-8.37 6 Dec 2009
May 2010
-8.29 5 Jul 1998
Nov 1998
-8.14 7 Oct 1986
Apr 1987

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 2026 (~41 years)


Head To Head (Ptf 1 vs Ptf 2):
US Inflation Adjusted:

Loading data
Please wait

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
Gold Five Fold
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 8.57 -11.05 -0.03 -4.66
2025
 63.68 -0.61 12.46 -1.69
2024
 26.66 -4.49 7.88 -3.57
2023
 12.69 -7.22 13.15 -7.82
2022
 -0.77 -15.91 -17.44 -21.60
2021
 -4.15 -10.32 15.57 -3.25
2020
 24.81 -10.12 8.59 -13.82
2019
 17.86 -4.10 19.52 -1.92
2018
 -1.94 -11.66 -4.81 -6.93
2017
 12.81 -4.09 11.77 0.00
2016
 8.03 -15.02 7.13 -3.39
2015
 -10.67 -17.81 -0.51 -6.31
2014
 -2.19 -12.44 10.14 -3.22
2013
 -28.33 -28.33 8.13 -5.45
2012
 6.60 -10.45 13.78 -4.08
2011
 9.57 -14.48 3.49 -10.32
2010
 29.27 -5.09 14.45 -6.47
2009
 24.03 -7.20 24.16 -15.00
2008
 4.92 -25.83 -23.95 -30.12
2007
 30.45 -4.20 4.26 -3.99
2006
 22.55 -8.63 16.17 -2.07
2005
 17.76 -4.91 8.26 -2.40
2004
 4.65 -8.31 15.75 -5.26
2003
 19.89 -8.88 23.74 -1.51
2002
 25.57 -6.72 -1.18 -7.24
2001
 0.75 -6.10 -0.06 -6.11
2000
 -5.44 -9.93 5.40 -3.85
1999
 0.85 -11.47 9.10 -2.61
1998
 -0.83 -12.01 9.78 -8.29
1997
 -21.41 -21.41 11.37 -3.10
1996
 -4.59 -8.95 13.09 -1.17
1995
 0.98 -2.46 19.23 -0.70
1994
 -2.17 -3.91 -2.47 -7.79
1993
 17.68 -11.51 18.48 -3.77
1992
 -5.73 -6.97 5.91 -3.73
1991
 -8.56 -10.05 23.52 -2.98
1990
 -3.11 -15.14 -6.16 -12.21
1989
 -2.84 -12.30 15.34 -0.98
1988
 -15.26 -18.05 14.35 -1.86
1987
 24.53 -1.97 6.54 -11.82
1986
 18.96 -8.14 26.37 -3.02
1985
 6.00 -6.67 30.39 -1.26
Mastering ETF Investing
Mastering ETF Investing
A practical guide to build wealth with Lazy Portfolios and passive investing
Set your goal Evaluate with top metrics
Buy now 🇺🇸 English book
Buy now 🇮🇹 Italian book