Gretchen Tai Portfolio vs Time Money Inc Tilt Toward Value Portfolio Portfolio Comparison

Simulation Settings

Period: January 1986 - March 2026 (~40 years)
Consolidated Returns as of 31 March 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

30 Years
(1996/04 - 2026/03)

All Data
(1986/01 - 2026/03)

Inflation Adjusted:

Gretchen Tai Portfolio

1.00$
Invested Capital
April 1996
8.57$
Final Capital
March 2026
7.42%
Yearly Return
11.72%
Std Deviation
-41.80%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
April 1996
4.07$
Final Capital
March 2026
4.79%
Yearly Return
11.72%
Std Deviation
-42.76%
Max Drawdown
62months
Recovery Period

1.00$
Invested Capital
January 1986
31.94$
Final Capital
March 2026
8.99%
Yearly Return
11.72%
Std Deviation
-41.80%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
January 1986
10.68$
Final Capital
March 2026
6.06%
Yearly Return
11.72%
Std Deviation
-42.76%
Max Drawdown
62months
Recovery Period

Time Money Inc Tilt Toward Value Portfolio

1.00$
Invested Capital
April 1996
8.56$
Final Capital
March 2026
7.42%
Yearly Return
9.54%
Std Deviation
-34.63%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
April 1996
4.06$
Final Capital
March 2026
4.78%
Yearly Return
9.54%
Std Deviation
-35.71%
Max Drawdown
40months
Recovery Period

1.00$
Invested Capital
January 1986
26.73$
Final Capital
March 2026
8.51%
Yearly Return
9.31%
Std Deviation
-34.63%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
January 1986
8.93$
Final Capital
March 2026
5.59%
Yearly Return
9.31%
Std Deviation
-35.71%
Max Drawdown
40months
Recovery Period

As of March 2026, in the previous 30 Years, the Gretchen Tai Portfolio obtained a 7.42% compound annual return, with a 11.72% standard deviation. It suffered a maximum drawdown of -41.80% that required 40 months to be recovered.

As of March 2026, in the previous 30 Years, the Time Money Inc Tilt Toward Value Portfolio obtained a 7.42% compound annual return, with a 9.54% standard deviation. It suffered a maximum drawdown of -34.63% that required 36 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.

Resources & Extras

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

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

Time Money Inc Tilt Toward Value Portfolio

Weight (%)	Ticker	Name
25.00	VTI	Vanguard Total Stock Market
15.00	VEU	Vanguard FTSE All-World ex-US
10.00	VNQ	Vanguard Real Estate
5.00	IJS	iShares S&P Small-Cap 600 Value
5.00	VTV	Vanguard Value
30.00	BND	Vanguard Total Bond Market
10.00	BNDX	Vanguard Total International Bond

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Portfolio Returns as of Mar 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
(1996/04 - 2026/03)

All Data
(1986/01 - 2026/03)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gretchen Tai Portfolio Gretchen Tai	1 $	8.57 $	757.20%	7.42%
Tilt Toward Value Time Money Inc	1 $	8.56 $	755.78%	7.42%
	Apr 1996	Mar 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gretchen Tai Portfolio Gretchen Tai	1 $	4.07 $	306.95%	4.79%
Tilt Toward Value Time Money Inc	1 $	4.06 $	306.28%	4.78%
	Apr 1996	Mar 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gretchen Tai Portfolio Gretchen Tai	1 $	31.94 $	3 093.73%	8.99%
Tilt Toward Value Time Money Inc	1 $	26.73 $	2 572.69%	8.51%
	Jan 1986	Mar 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Gretchen Tai Portfolio Gretchen Tai	1 $	10.68 $	967.68%	6.06%
Tilt Toward Value Time Money Inc	1 $	8.93 $	793.50%	5.59%
	Jan 1986	Mar 2026

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		Return (%) as of Mar 31, 2026
		YTD (3M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~40Y)
	Gretchen Tai Portfolio Gretchen Tai	0.24	-5.61	3.16	17.96	6.17	8.12	7.42	8.99
	Tilt Toward Value Time Money Inc	-0.15	-4.30	1.68	12.31	5.34	7.19	7.42	8.51
Returns over 1 year are annualized.

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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 1986 - 31 March 2026 (~40 years)

1 Year

5 Years

10 Years

30 Years

All (1986/01 - 2026/03)

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	Gretchen Tai Portfolio	Tilt Toward Value
Author	Gretchen Tai	Time Money Inc
ASSET ALLOCATION
Stocks	70%	60%
Fixed Income	30%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	17.96	12.31
Infl. Adjusted (%)	15.14	9.62
DRAWDOWN
Deepest Drawdown Depth (%)	-5.61	-4.30
Start to Recovery (months)	1*	1*
Longest Drawdown Depth (%)	-5.61	-0.14
Start to Recovery (months)	1*	2
Longest Negative Period (months)	2*	3*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%)	8.40	6.47
Sharpe Ratio	1.66	1.29
Sortino Ratio	1.93	1.51
Ulcer Index	1.56	1.19
Ratio: Return / Standard Deviation	2.14	1.90
Ratio: Return / Deepest Drawdown	3.20	2.86
Metrics calculated over the period 1 April 2025 - 31 March 2026

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	Gretchen Tai Portfolio	Tilt Toward Value
Author	Gretchen Tai	Time Money Inc
ASSET ALLOCATION
Stocks	70%	60%
Fixed Income	30%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	6.17	5.34
Infl. Adjusted (%)	1.76	0.96
DRAWDOWN
Deepest Drawdown Depth (%)	-23.59	-20.45
Start to Recovery (months)	30	31
Longest Drawdown Depth (%)	-23.59	-20.45
Start to Recovery (months)	30	31
Longest Negative Period (months)	35	34
RISK INDICATORS
Standard Deviation (%)	12.11	10.80
Sharpe Ratio	0.24	0.19
Sortino Ratio	0.32	0.25
Ulcer Index	8.45	7.64
Ratio: Return / Standard Deviation	0.51	0.49
Ratio: Return / Deepest Drawdown	0.26	0.26
Metrics calculated over the period 1 April 2021 - 31 March 2026

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	Gretchen Tai Portfolio	Tilt Toward Value
Author	Gretchen Tai	Time Money Inc
ASSET ALLOCATION
Stocks	70%	60%
Fixed Income	30%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.12	7.19
Infl. Adjusted (%)	4.73	3.83
DRAWDOWN
Deepest Drawdown Depth (%)	-23.59	-20.45
Start to Recovery (months)	30	31
Longest Drawdown Depth (%)	-23.59	-20.45
Start to Recovery (months)	30	31
Longest Negative Period (months)	35	35
RISK INDICATORS
Standard Deviation (%)	11.38	9.92
Sharpe Ratio	0.53	0.51
Sortino Ratio	0.69	0.67
Ulcer Index	6.54	5.77
Ratio: Return / Standard Deviation	0.71	0.72
Ratio: Return / Deepest Drawdown	0.34	0.35
Metrics calculated over the period 1 April 2016 - 31 March 2026

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	Gretchen Tai Portfolio	Tilt Toward Value
Author	Gretchen Tai	Time Money Inc
ASSET ALLOCATION
Stocks	70%	60%
Fixed Income	30%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	7.42	7.42
Infl. Adjusted (%)	4.79	4.78
DRAWDOWN
Deepest Drawdown Depth (%)	-41.80	-34.63
Start to Recovery (months)	40	36
Longest Drawdown Depth (%)	-22.92	-34.63
Start to Recovery (months)	44	36
Longest Negative Period (months)	62	62
RISK INDICATORS
Standard Deviation (%)	11.72	9.54
Sharpe Ratio	0.44	0.54
Sortino Ratio	0.58	0.70
Ulcer Index	8.90	6.33
Ratio: Return / Standard Deviation	0.63	0.78
Ratio: Return / Deepest Drawdown	0.18	0.21
Metrics calculated over the period 1 April 1996 - 31 March 2026

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	Gretchen Tai Portfolio	Tilt Toward Value
Author	Gretchen Tai	Time Money Inc
ASSET ALLOCATION
Stocks	70%	60%
Fixed Income	30%	40%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.99	8.51
Infl. Adjusted (%)	6.06	5.59
DRAWDOWN
Deepest Drawdown Depth (%)	-41.80	-34.63
Start to Recovery (months)	40	36
Longest Drawdown Depth (%)	-22.92	-34.63
Start to Recovery (months)	44	36
Longest Negative Period (months)	62	62
RISK INDICATORS
Standard Deviation (%)	11.72	9.31
Sharpe Ratio	0.51	0.58
Sortino Ratio	0.66	0.76
Ulcer Index	8.02	5.71
Ratio: Return / Standard Deviation	0.77	0.91
Ratio: Return / Deepest Drawdown	0.21	0.25
Metrics calculated over the period 1 January 1986 - 31 March 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

Period: 1 April 1996 - 31 March 2026 (30 years)

Period: 1 January 1986 - 31 March 2026 (~40 years)

30 Years
(1996/04 - 2026/03)

Chart Table

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Gretchen Tai Portfolio			Tilt Toward Value
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-41.80	40	Nov 2007 Feb 2011
			-34.63	36	Nov 2007 Oct 2010
-23.59	30	Jan 2022 Jun 2024
-22.92	44	Apr 2000 Nov 2003
			-20.45	31	Jan 2022 Jul 2024
-16.24	8	Jan 2020 Aug 2020
-14.25	17	May 2011 Sep 2012
			-13.65	8	Jan 2020 Aug 2020
-12.86	8	May 1998 Dec 1998
			-12.06	30	Feb 2001 Jul 2003
			-10.48	10	May 2011 Feb 2012
-10.37	15	Feb 2018 Apr 2019
-10.09	15	May 2015 Jul 2016
			-9.30	5	Jul 1998 Nov 1998
			-7.55	7	Sep 2018 Mar 2019

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Gretchen Tai Portfolio			Tilt Toward Value
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-41.80	40	Nov 2007 Feb 2011
			-34.63	36	Nov 2007 Oct 2010
-23.59	30	Jan 2022 Jun 2024
-22.92	44	Apr 2000 Nov 2003
			-20.45	31	Jan 2022 Jul 2024
-17.50	15	Sep 1987 Nov 1988
-16.24	8	Jan 2020 Aug 2020
-16.12	14	Jan 1990 Feb 1991
			-14.41	14	Sep 1987 Oct 1988
-14.25	17	May 2011 Sep 2012
			-13.65	8	Jan 2020 Aug 2020
-12.86	8	May 1998 Dec 1998
			-12.06	30	Feb 2001 Jul 2003
			-10.60	14	Jan 1990 Feb 1991
			-10.48	10	May 2011 Feb 2012

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 1986 - 31 March 2026 (~40 years)

Rolling Period:

Gretchen Tai Portfolio
Tilt Toward Value

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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	Gretchen Tai Portfolio		Tilt Toward Value
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	0.24	-5.61	-0.15	-4.30
2025	19.67	-1.75	12.95	-2.32
2024	8.64	-3.42	9.20	-3.65
2023	15.11	-9.20	13.77	-8.14
2022	-17.30	-23.59	-15.72	-20.45
2021	12.15	-3.19	13.78	-3.02
2020	12.24	-16.24	9.48	-13.65
2019	20.82	-3.77	19.75	-2.78
2018	-7.59	-10.37	-4.70	-7.55
2017	18.32	0.00	12.64	0.00
2016	7.93	-3.80	8.44	-2.65
2015	-2.21	-8.93	-0.49	-5.68
2014	4.44	-3.36	9.15	-2.45
2013	14.58	-4.17	13.63	-2.68
2012	14.85	-6.38	12.28	-4.20
2011	-1.45	-14.25	2.21	-10.48
2010	12.51	-8.38	13.64	-6.76
2009	26.58	-15.87	20.60	-14.20
2008	-27.67	-32.64	-20.90	-24.97
2007	9.39	-4.36	4.31	-3.67
2006	17.39	-3.34	15.11	-2.19
2005	10.26	-3.11	6.98	-2.03
2004	15.60	-4.14	13.17	-3.74
2003	29.40	-2.98	22.49	-2.07
2002	-7.43	-14.03	-5.34	-10.72
2001	-6.29	-15.42	-0.93	-8.48
2000	-4.67	-9.28	3.38	-4.87
1999	22.01	-2.31	10.63	-2.63
1998	10.02	-12.86	11.41	-9.30
1997	11.39	-4.43	15.12	-2.77
1996	10.62	-3.29	13.03	-2.08
1995	17.98	-1.12	21.70	-0.67
1994	-0.51	-7.04	-0.98	-5.58
1993	26.87	-4.15	15.63	-3.08
1992	0.50	-4.36	7.03	-2.08
1991	30.31	-4.13	23.14	-2.96
1990	-8.54	-16.12	-4.76	-10.60
1989	25.15	-2.12	17.35	-1.11
1988	19.39	-3.11	15.07	-1.80
1987	4.96	-17.50	5.60	-14.41
1986	29.74	-4.54	22.92	-3.61

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Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Mar 31, 2026

Portfolio Metrics as of Mar 31, 2026

Drawdowns

Rolling Returns

Yearly Returns