Gold Portfolio vs US Stocks Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - April 2025 (~154 years)
Consolidated Returns as of 30 April 2025
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1871)
Inflation Adjusted:
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 1871
132.23$
Final Capital
April 2025
3.22%
Yearly Return
12.69%
Std Deviation
-61.78%
Max Drawdown
319months
Recovery Period
1.00$
Initial Capital
January 1871
5.16$
Final Capital
April 2025
1.07%
Yearly Return
12.69%
Std Deviation
-82.52%
Max Drawdown
542months
Recovery Period
US Stocks Portfolio
1.00$
Initial Capital
May 1995
18.35$
Final Capital
April 2025
10.19%
Yearly Return
15.62%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Initial Capital
May 1995
8.71$
Final Capital
April 2025
7.48%
Yearly Return
15.62%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
1.00$
Initial Capital
January 1871
727.0K$
Final Capital
April 2025
9.14%
Yearly Return
16.56%
Std Deviation
-84.60%
Max Drawdown
184months
Recovery Period
1.00$
Initial Capital
January 1871
28.4K$
Final Capital
April 2025
6.87%
Yearly Return
16.56%
Std Deviation
-80.55%
Max Drawdown
90months
Recovery Period

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.

As of April 2025, in the previous 30 Years, the US Stocks Portfolio obtained a 10.19% compound annual return, with a 15.62% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 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
US Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market
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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 1871 - 30 April 2025 (~154 years)
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Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~154Y)
//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 3.22
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks
-- Market Benchmark 		-5.53 -0.73 -2.27 11.21 15.05 11.61 10.19 9.14
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

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).

US Stocks Portfolio: an investment of 1$, since May 1995, now would be worth 18.35$, with a total return of 1735.34% (10.19% annualized).


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Gold Portfolio: an investment of 1$, since January 1871, now would be worth 132.23$, with a total return of 13123.32% (3.22% annualized).

US Stocks Portfolio: an investment of 1$, since January 1871, now would be worth 726984.55$, with a total return of 72698355.06% (9.14% 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 1871 - 30 April 2025 (~154 years)
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Gold US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 0% 0%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 43.38 11.21
Infl. Adjusted Return (%) 40.46 8.95
DRAWDOWN
Deepest Drawdown Depth (%) -4.49 -8.40
Start to Recovery (months) 3 5*
Longest Drawdown Depth (%) -4.49 -8.40
Start to Recovery (months) 3 5*
Longest Negative Period (months) 3 8*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 12.01 11.66
Sharpe Ratio 3.21 0.55
Sortino Ratio 4.47 0.74
Ulcer Index 1.52 3.33
Ratio: Return / Standard Deviation 3.61 0.96
Ratio: Return / Deepest Drawdown 9.66 1.33
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Gold US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 0% 0%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 13.85 15.05
Infl. Adjusted Return (%) 8.91 10.06
DRAWDOWN
Deepest Drawdown Depth (%) -18.08 -24.81
Start to Recovery (months) 40 24
Longest Drawdown Depth (%) -18.08 -24.81
Start to Recovery (months) 40 24
Longest Negative Period (months) 39 30
RISK INDICATORS
Standard Deviation (%) 14.73 16.36
Sharpe Ratio 0.77 0.76
Sortino Ratio 1.14 1.04
Ulcer Index 6.97 8.63
Ratio: Return / Standard Deviation 0.94 0.92
Ratio: Return / Deepest Drawdown 0.77 0.61
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Gold US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 0% 0%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 10.35 11.61
Infl. Adjusted Return (%) 7.06 8.28
DRAWDOWN
Deepest Drawdown Depth (%) -18.08 -24.81
Start to Recovery (months) 40 24
Longest Drawdown Depth (%) -18.08 -24.81
Start to Recovery (months) 40 24
Longest Negative Period (months) 41 30
RISK INDICATORS
Standard Deviation (%) 14.10 15.78
Sharpe Ratio 0.61 0.62
Sortino Ratio 0.91 0.83
Ulcer Index 6.65 7.03
Ratio: Return / Standard Deviation 0.73 0.74
Ratio: Return / Deepest Drawdown 0.57 0.47
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Gold US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 0% 0%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 7.06 10.19
Infl. Adjusted Return (%) 4.44 7.48
DRAWDOWN
Deepest Drawdown Depth (%) -42.91 -50.84
Start to Recovery (months) 107 53
Longest Drawdown Depth (%) -42.91 -43.94
Start to Recovery (months) 107 67
Longest Negative Period (months) 145 139
RISK INDICATORS
Standard Deviation (%) 15.69 15.62
Sharpe Ratio 0.31 0.51
Sortino Ratio 0.45 0.66
Ulcer Index 20.47 14.32
Ratio: Return / Standard Deviation 0.45 0.65
Ratio: Return / Deepest Drawdown 0.16 0.20
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Gold US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 0% 0%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 3.22 9.14
Infl. Adjusted Return (%) 1.07 6.87
DRAWDOWN
Deepest Drawdown Depth (%) -61.78 -84.60
Start to Recovery (months) 319 184
Longest Drawdown Depth (%) -12.20 -84.60
Start to Recovery (months) 685 184
Longest Negative Period (months) 744 188
RISK INDICATORS
Standard Deviation (%) 12.69 16.56
Sharpe Ratio -0.06 0.31
Sortino Ratio -0.11 0.43
Ulcer Index 22.24 17.81
Ratio: Return / Standard Deviation 0.25 0.55
Ratio: Return / Deepest Drawdown 0.05 0.11
Metrics calculated over the period 1 January 1871 - 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 1871 - 30 April 2025 (~154 years)

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Gold US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.84 53 Nov 2007
Mar 2012
-43.94 67 Sep 2000
Mar 2006
-42.91 107 Sep 2011
Jul 2020
-37.17 95 Feb 1996
Dec 2003
-25.83 15 Mar 2008
May 2009
-24.81 24 Jan 2022
Dec 2023
-20.84 7 Jan 2020
Jul 2020
-18.08 40 Aug 2020
Nov 2023
-17.57 5 Jul 1998
Nov 1998
-14.20 7 Oct 2018
Apr 2019
-8.84 12 Jun 2015
May 2016
-8.64 10 Dec 2004
Sep 2005
-8.63 10 May 2006
Feb 2007
-8.44 5 Apr 2000
Aug 2000
-8.40 5* Dec 2024
In progress

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Gold US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-84.60 184 Sep 1929
Dec 1944
-61.78 319 Oct 1980
Apr 2007
-50.84 53 Nov 2007
Mar 2012
-45.86 48 Jan 1973
Dec 1976
-44.24 43 Jan 1975
Jul 1978
-43.94 67 Sep 2000
Mar 2006
-42.91 107 Sep 2011
Jul 2020
-34.11 35 Apr 1876
Feb 1879
-30.27 26 Oct 1906
Nov 1908
-30.06 28 Dec 1968
Mar 1971
-29.34 21 Sep 1987
May 1989
-27.16 26 Oct 1902
Nov 1904
-26.86 55 Feb 1893
Aug 1897
-25.83 15 Mar 2008
May 2009
-24.81 24 Jan 2022
Dec 2023

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 1871 - 30 April 2025 (~154 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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Gold US Stocks
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 25.46 0.00 -5.53 -8.31
2024
 26.66 -4.49 23.81 -4.34
2023
 12.69 -7.22 26.05 -9.11
2022
 -0.77 -15.91 -19.51 -24.81
2021
 -4.15 -10.32 25.67 -4.46
2020
 24.81 -10.12 21.03 -20.84
2019
 17.86 -4.10 30.67 -6.45
2018
 -1.94 -11.66 -5.21 -14.20
2017
 12.81 -4.09 21.21 0.00
2016
 8.03 -15.02 12.83 -5.73
2015
 -10.67 -17.81 0.36 -8.84
2014
 -2.19 -12.44 12.54 -3.17
2013
 -28.33 -28.33 33.45 -3.03
2012
 6.60 -10.45 16.45 -6.82
2011
 9.57 -14.48 0.97 -17.58
2010
 29.27 -5.09 17.42 -13.26
2009
 24.03 -7.20 28.89 -17.72
2008
 4.92 -25.83 -36.98 -38.08
2007
 30.45 -4.20 5.37 -5.23
2006
 22.55 -8.63 15.69 -3.22
2005
 17.76 -4.91 6.31 -4.48
2004
 4.65 -8.31 12.79 -3.56
2003
 19.89 -8.88 30.75 -4.27
2002
 25.57 -6.72 -20.47 -27.18
2001
 0.75 -6.10 -10.97 -23.65
2000
 -5.44 -9.93 -10.57 -15.87
1999
 0.85 -11.47 23.81 -6.42
1998
 -0.83 -12.01 23.26 -17.57
1997
 -21.41 -21.41 30.99 -4.56
1996
 -4.59 -8.95 20.96 -6.17
1995
 0.98 -2.46 35.79 -1.17
1994
 -2.17 -3.91 -0.17 -7.43
1993
 17.68 -11.51 10.62 -2.77
1992
 -5.73 -6.97 9.11 -2.40
1991
 -8.56 -10.05 32.39 -4.47
1990
 -3.11 -15.14 -6.08 -16.20
1989
 -2.84 -12.30 28.12 -3.05
1988
 -15.26 -18.05 17.32 -3.42
1987
 24.53 -1.97 2.61 -29.34
1986
 18.96 -8.14 14.57 -7.92
1985
 6.00 -6.67 31.27 -4.77
1984
 -19.38 -21.80 2.19 -9.02
1983
 -16.31 -23.52 22.66 -4.00
1982
 14.94 -20.13 20.50 -11.21
1981
 -32.60 -32.60 -4.15 -12.79
1980
 15.19 -24.27 33.15 -11.98
1979
 126.55 -4.46 24.25 -7.22
1978
 37.01 -20.28 8.45 -11.64
1977
 22.64 -4.00 -3.36 -8.29
1976
 -4.10 -25.85 26.47 -2.10
1975
 -24.80 -25.92 37.82 -11.74
1974
 66.15 -16.62 -27.81 -34.15
1973
 72.96 -20.49 -18.18 -19.22
1972
 49.02 -6.88 17.62 -2.45
1971
 16.70 -3.48 17.63 -6.54
1970
 6.16 -1.56 4.79 -19.06
1969
 -16.07 -19.25 -10.28 -11.24
1968
 18.16 -7.38 13.39 -6.48
1967
 0.28 0.00 27.39 -4.70
1966
 -0.28 -0.28 -8.73 -14.78
1965
 0.42 0.00 14.20 -4.80
1964
 0.28 0.00 16.40 -1.37
1963
 -0.28 -0.28 21.15 -2.74
1962
 -0.42 -0.42 -9.62 -22.67
1961
 -2.74 -2.74 26.94 -2.62
1960
 3.55 0.00 0.92 -8.00
1959
 0.00 0.00 12.78 -5.35
1958
 0.00 0.00 44.81 -1.59
1957
 0.14 0.00 -9.93 -14.61
1956
 0.14 0.00 8.51 -7.23
1955
 -0.28 -0.28 25.72 -3.23
1954
 -0.70 -0.70 50.59 -3.14
1953
 -8.27 -8.27 0.66 -7.66
1952
 -3.25 -3.25 13.62 -4.23
1951
 -0.62 -0.62 20.75 -6.04
1950
 -0.62 -0.62 30.33 -5.29
1949
 -3.57 -3.57 19.97 -4.32
1948
 -2.33 -2.33 2.36 -10.99
1947
 12.42 0.00 3.84 -6.63
1946
 2.68 0.00 -6.27 -20.85
1945
 2.76 0.00 38.22 -4.09
1944
 -0.68 -0.68 21.23 -1.55
1943
 2.82 0.00 27.90 -8.06
1942
 0.00 0.00 16.72 -12.33
1941
 2.90 0.00 -10.09 -12.94
1940
 -1.43 -1.43 -7.16 -23.05
1939
 0.00 0.00 2.33 -15.16
1938
 0.00 0.00 28.38 -25.06
1937
 0.00 0.00 -34.85 -38.63
1936
 0.00 0.00 33.65 -7.38
1935
 0.00 0.00 46.29 -10.15
1934
 8.29 0.00 2.31 -18.75
1933
 56.36 0.00 57.18 -18.12
1932
 0.00 0.00 -8.65 -44.97
1931
 0.00 0.00 -44.12 -52.60
1930
 0.00 0.00 -28.35 -39.08
1929
 0.00 0.00 -11.30 -34.31
1928
 0.00 0.00 38.68 -4.13
1927
 0.00 0.00 33.33 -4.30
1926
 0.00 0.00 11.46 -9.26
1925
 0.00 0.00 25.78 -6.56
1924
 0.00 0.00 27.03 -3.78
1923
 0.00 0.00 5.38 -13.08
1922
 0.00 0.00 29.04 -4.35
1921
 0.00 0.00 10.09 -9.26
1920
 0.00 0.00 -14.01 -15.38
1919
 0.00 0.00 19.62 -7.49
1918
 0.00 0.00 18.16 -3.76
1917
 0.00 0.00 -18.65 -18.65
1916
 0.00 0.00 8.05 -3.65
1915
 0.00 0.00 31.16 -2.26
1914
 0.00 0.00 -5.46 -20.24
1913
 0.00 0.00 -4.77 -8.74
1912
 0.00 0.00 7.12 -4.07
1911
 0.00 0.00 3.47 -9.84
1910
 0.00 0.00 -3.44 -11.27
1909
 0.00 0.00 16.09 -2.75
1908
 0.00 0.00 39.43 -3.59
1907
 0.00 0.00 -24.23 -28.45
1906
 0.00 0.00 0.60 -9.63
1905
 0.00 0.00 21.23 -5.27
1904
 0.00 0.00 32.12 -2.23
1903
 0.00 0.00 -17.14 -25.30
1902
 0.00 0.00 8.21 -7.32
1901
 0.00 0.00 19.40 -8.08
1900
 0.00 0.00 20.75 -5.37
1899
 0.00 0.00 3.64 -8.88
1898
 0.00 0.00 29.23 -4.56
1897
 0.00 0.00 20.31 -5.49
1896
 0.00 0.00 3.20 -12.04
1895
 0.00 0.00 4.95 -9.39
1894
 0.00 0.00 3.58 -5.55
1893
 0.00 0.00 -18.85 -26.86
1892
 0.00 0.00 6.08 -2.16
1891
 0.00 0.00 18.83 -3.88
1890
 0.00 0.00 -6.20 -13.89
1889
 0.00 0.00 7.03 -2.45
1888
 0.00 0.00 3.28 -3.34
1887
 0.00 0.00 -0.70 -9.45
1886
 0.00 0.00 11.92 -4.49
1885
 0.00 0.00 29.98 -1.47
1884
 0.00 0.00 -12.37 -13.99
1883
 0.00 0.00 -5.53 -7.10
1882
 0.00 0.00 3.58 -5.68
1881
 0.00 0.00 0.18 -9.93
1880
 0.00 0.00 26.50 -8.79
1879
 -0.10 -0.10 49.29 -0.98
1878
 -2.64 -2.64 16.25 -1.08
1877
 -4.71 -4.71 -1.12 -19.66
1876
 -5.27 -5.27 -14.18 -18.03
1875
 1.95 0.00 5.35 -4.33
1874
 1.54 0.00 4.67 -6.59
1873
 -1.94 -1.94 -2.53 -15.75
1872
 2.66 0.00 11.12 -3.07
1871
 -1.27 -1.27 15.59 -4.38
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