As of June 2026, in the previous 30 Years, the Gretchen Tai Portfolio obtained a 7.69% compound annual return, with a 11.78% standard deviation. It suffered a maximum drawdown of -41.80% that required 40 months to be recovered.

As of June 2026, in the previous 30 Years, the Bill Bernstein Sheltered Sam 70/30 Portfolio obtained a 8.08% compound annual return, with a 10.82% standard deviation. It suffered a maximum drawdown of -39.73% that required 39 months to be recovered.

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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.

Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Gretchen Tai
Gretchen Tai Portfolio
Weight
(%)		 Ticker Name
26.00
VTI
Vanguard Total Stock Market
26.00
VEA
Vanguard FTSE Developed Markets
10.00
EEM
iShares MSCI Emerging Markets
5.00
REET
iShares Global REIT ETF
3.00
IJR
iShares Core S&P Small-Cap
10.00
BND
Vanguard Total Bond Market
8.00
TIP
iShares TIPS Bond
8.00
HYG
iShares iBoxx $ High Yield Corporate Bond
4.00
TLT
iShares 20+ Year Treasury Bond
Bill Bernstein
Bill Bernstein Sheltered Sam 70/30 Portfolio
Weight
(%)		 Ticker Name
17.50
VTV
Vanguard Value
14.00
VV
Vanguard Large-Cap
10.50
IJS
iShares S&P Small-Cap 600 Value
7.00
VNQ
Vanguard Real Estate
4.90
EFV
iShares MSCI EAFE Value
3.50
EEM
iShares MSCI Emerging Markets
3.50
IJR
iShares Core S&P Small-Cap
3.50
VGK
Vanguard FTSE Europe
3.50
VPL
Vanguard FTSE Pacific
18.00
SHY
iShares 1-3 Year Treasury Bond
12.00
TIP
iShares TIPS Bond
2.10
GLTR
Aberdeen Standard Physical Precious Metals Basket Shares

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
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Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_gretchen_tai.webp Gretchen Tai Portfolio
Gretchen Tai 		10.97 0.24 10.97 20.88 7.19 8.98 7.69 9.20
https://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_bernstein.webp Sheltered Sam 70/30
Bill Bernstein 		10.52 1.07 10.52 20.64 7.77 8.92 8.08 9.36
Returns over 1 year are annualized.

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
1Y
5Y
10Y
30Y
MAX
Period: ()
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Gretchen Tai Portfolio Sheltered Sam 70/30
Author Gretchen Tai Bill Bernstein
ASSET ALLOCATION
Stocks 70% 67.9%
Fixed Income 30% 30%
Commodities 0% 2.1%
PERFORMANCES
Annualized Return (%) 20.88 20.64
Infl. Adjusted (%) 16.36 16.14
DRAWDOWN
Deepest Drawdown Depth (%) -5.61 -4.46
Start to Recovery (months) 2 2
Longest Drawdown Depth (%) -5.61 -4.46
Start to Recovery (months) 2 2
Longest Negative Period (months) 2 2
RISK INDICATORS
Standard Deviation (%) 9.76 8.03
Sharpe Ratio 1.75 2.09
Sortino Ratio 2.23 2.66
Ulcer Index 1.56 1.24
Ratio: Return / Standard Deviation 2.14 2.57
Ratio: Return / Deepest Drawdown 3.72 4.63
Metrics calculated over the period 1 July 2025 - 30 June 2026
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Gretchen Tai Portfolio Sheltered Sam 70/30
Author Gretchen Tai Bill Bernstein
ASSET ALLOCATION
Stocks 70% 67.9%
Fixed Income 30% 30%
Commodities 0% 2.1%
PERFORMANCES
Annualized Return (%) 7.19 7.77
Infl. Adjusted (%) 2.77 3.33
DRAWDOWN
Deepest Drawdown Depth (%) -23.59 -17.80
Start to Recovery (months) 30 26
Longest Drawdown Depth (%) -23.59 -17.80
Start to Recovery (months) 30 26
Longest Negative Period (months) 34 29
RISK INDICATORS
Standard Deviation (%) 12.43 11.04
Sharpe Ratio 0.30 0.39
Sortino Ratio 0.40 0.53
Ulcer Index 8.45 5.58
Ratio: Return / Standard Deviation 0.58 0.70
Ratio: Return / Deepest Drawdown 0.30 0.44
Metrics calculated over the period 1 July 2021 - 30 June 2026
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Gretchen Tai Portfolio Sheltered Sam 70/30
Author Gretchen Tai Bill Bernstein
ASSET ALLOCATION
Stocks 70% 67.9%
Fixed Income 30% 30%
Commodities 0% 2.1%
PERFORMANCES
Annualized Return (%) 8.98 8.92
Infl. Adjusted (%) 5.45 5.39
DRAWDOWN
Deepest Drawdown Depth (%) -23.59 -17.80
Start to Recovery (months) 30 26
Longest Drawdown Depth (%) -23.59 -17.80
Start to Recovery (months) 30 26
Longest Negative Period (months) 35 33
RISK INDICATORS
Standard Deviation (%) 11.57 10.75
Sharpe Ratio 0.59 0.62
Sortino Ratio 0.77 0.81
Ulcer Index 6.54 4.80
Ratio: Return / Standard Deviation 0.78 0.83
Ratio: Return / Deepest Drawdown 0.38 0.50
Metrics calculated over the period 1 July 2016 - 30 June 2026
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Gretchen Tai Portfolio Sheltered Sam 70/30
Author Gretchen Tai Bill Bernstein
ASSET ALLOCATION
Stocks 70% 67.9%
Fixed Income 30% 30%
Commodities 0% 2.1%
PERFORMANCES
Annualized Return (%) 7.69 8.08
Infl. Adjusted (%) 5.01 5.38
DRAWDOWN
Deepest Drawdown Depth (%) -41.80 -39.73
Start to Recovery (months) 40 39
Longest Drawdown Depth (%) -22.92 -39.73
Start to Recovery (months) 44 39
Longest Negative Period (months) 62 63
RISK INDICATORS
Standard Deviation (%) 11.78 10.82
Sharpe Ratio 0.46 0.54
Sortino Ratio 0.61 0.70
Ulcer Index 8.90 7.12
Ratio: Return / Standard Deviation 0.65 0.75
Ratio: Return / Deepest Drawdown 0.18 0.20
Metrics calculated over the period 1 July 1996 - 30 June 2026
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Gretchen Tai Portfolio Sheltered Sam 70/30
Author Gretchen Tai Bill Bernstein
ASSET ALLOCATION
Stocks 70% 67.9%
Fixed Income 30% 30%
Commodities 0% 2.1%
PERFORMANCES
Annualized Return (%) 9.20 9.36
Infl. Adjusted (%) 6.24 6.39
DRAWDOWN
Deepest Drawdown Depth (%) -41.80 -39.73
Start to Recovery (months) 40 39
Longest Drawdown Depth (%) -22.92 -39.73
Start to Recovery (months) 44 39
Longest Negative Period (months) 62 63
RISK INDICATORS
Standard Deviation (%) 11.73 10.62
Sharpe Ratio 0.52 0.59
Sortino Ratio 0.68 0.76
Ulcer Index 7.99 6.48
Ratio: Return / Standard Deviation 0.78 0.88
Ratio: Return / Deepest Drawdown 0.22 0.24
Metrics calculated over the period 1 January 1986 - 30 June 2026
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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
Inflation Adj:

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

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

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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Gretchen Tai Portfolio Sheltered Sam 70/30
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 10.97 -5.61 10.52 -4.46
2025
 19.67 -1.75 15.52 -2.56
2024
 8.64 -3.42 9.69 -3.82
2023
 15.11 -9.20 12.01 -7.88
2022
 -17.30 -23.59 -11.08 -17.80
2021
 12.15 -3.19 16.83 -2.82
2020
 12.24 -16.24 7.39 -17.14
2019
 20.82 -3.77 19.18 -4.14
2018
 -7.59 -10.37 -5.89 -9.24
2017
 18.32 0.00 13.05 -0.08
2016
 7.93 -3.80 11.18 -3.19
2015
 -2.21 -8.93 -1.94 -7.16
2014
 4.44 -3.36 6.76 -2.99
2013
 14.58 -4.17 16.94 -2.46
2012
 14.85 -6.38 12.52 -5.42
2011
 -1.45 -14.25 0.50 -13.47
2010
 12.51 -8.38 13.77 -8.97
2009
 26.58 -15.87 21.02 -16.33
2008
 -27.67 -32.64 -24.68 -28.02
2007
 9.39 -4.36 4.59 -4.37
2006
 17.39 -3.34 16.71 -2.69
2005
 10.26 -3.11 8.34 -2.72
2004
 15.60 -4.14 14.43 -4.11
2003
 29.40 -2.98 27.42 -3.27
2002
 -7.43 -14.03 -5.96 -13.51
2001
 -6.29 -15.42 -1.22 -10.33
2000
 -4.67 -9.28 5.24 -4.34
1999
 22.01 -2.31 11.96 -3.00
1998
 10.02 -12.86 8.60 -13.19
1997
 11.39 -4.43 16.84 -3.17
1996
 10.62 -3.29 14.61 -3.02
1995
 17.98 -1.12 23.07 -1.38
1994
 -0.51 -7.04 -1.61 -6.31
1993
 26.87 -4.15 20.97 -2.41
1992
 0.50 -4.36 9.07 -1.49
1991
 30.31 -4.13 26.59 -3.38
1990
 -8.54 -16.12 -5.51 -11.32
1989
 25.15 -2.12 22.39 -1.95
1988
 19.39 -3.11 16.42 -2.07
1987
 4.96 -17.50 3.45 -18.62
1986
 29.74 -4.54 22.33 -3.99
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Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
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