The Lazy Team High Yield Bonds Income Portfolio vs Zefiro SCF Zefiro Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - April 2025 (~40 years)
Consolidated Returns as of 30 April 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1985)
Inflation Adjusted:
The Lazy Team High Yield Bonds Income Portfolio
1.00$
Initial Capital
May 1995
6.94$
Final Capital
April 2025
6.67%
Yearly Return
8.83%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period
1.00$
Initial Capital
May 1995
3.29$
Final Capital
April 2025
4.05%
Yearly Return
8.83%
Std Deviation
-29.88%
Max Drawdown
52months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
19.74$
Final Capital
April 2025
7.68%
Yearly Return
8.15%
Std Deviation
-23.97%
Max Drawdown
21months
Recovery Period
1.00$
Initial Capital
January 1985
6.50$
Final Capital
April 2025
4.75%
Yearly Return
8.15%
Std Deviation
-29.88%
Max Drawdown
52months*
Recovery Period
* in progress
Zefiro SCF Zefiro Portfolio
1.00$
Initial Capital
May 1995
7.41$
Final Capital
April 2025
6.91%
Yearly Return
7.47%
Std Deviation
-20.61%
Max Drawdown
26months
Recovery Period
1.00$
Initial Capital
May 1995
3.51$
Final Capital
April 2025
4.28%
Yearly Return
7.47%
Std Deviation
-20.13%
Max Drawdown
26months
Recovery Period
1.00$
Initial Capital
January 1985
22.11$
Final Capital
April 2025
7.98%
Yearly Return
7.19%
Std Deviation
-20.61%
Max Drawdown
26months
Recovery Period
1.00$
Initial Capital
January 1985
7.28$
Final Capital
April 2025
5.04%
Yearly Return
7.19%
Std Deviation
-20.13%
Max Drawdown
26months
Recovery Period

As of April 2025, in the previous 30 Years, the The Lazy Team High Yield Bonds Income Portfolio obtained a 6.67% compound annual return, with a 8.83% standard deviation. It suffered a maximum drawdown of -23.97% that required 21 months to be recovered.

As of April 2025, in the previous 30 Years, the Zefiro SCF Zefiro Portfolio obtained a 6.91% compound annual return, with a 7.47% standard deviation. It suffered a maximum drawdown of -20.61% that required 26 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.

The Lazy Team High Yield Bonds Income Portfolio
Weight
(%)		 Ticker Name
25.00
EMB
iShares JP Morgan USD Em Mkts Bd
25.00
JNK
SPDR Barclays High Yield Bond ETF
25.00
SPLB
SPDR Portfolio Long Term Corporate Bond ETF
25.00
HYG
iShares iBoxx $ High Yield Corporate Bond
Zefiro SCF Zefiro Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
30.00
TIP
iShares TIPS Bond
20.00
TLT
iShares 20+ Year Treasury Bond
15.00
GLD
SPDR Gold Trust
15.00
GSG
iShares S&P GSCI Commodity Indexed Trust
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Portfolio Returns as of Apr 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
RETURN COMPARISON
Period: 1 January 1985 - 30 April 2025 (~40 years)
Swipe left to see all data
Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_lzp.webp High Yield Bonds Income
The Lazy Team 		1.35 -0.45 1.13 8.00 2.47 3.04 6.67 7.68
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_author_none.webp Zefiro Portfolio
Zefiro SCF 		4.03 -0.77 3.12 11.31 6.51 4.88 6.91 7.98
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

The Lazy Team High Yield Bonds Income Portfolio: an investment of 1$, since May 1995, now would be worth 6.94$, with a total return of 594.33% (6.67% annualized).

Zefiro SCF Zefiro Portfolio: an investment of 1$, since May 1995, now would be worth 7.41$, with a total return of 641.50% (6.91% annualized).


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The Lazy Team High Yield Bonds Income Portfolio: an investment of 1$, since January 1985, now would be worth 19.74$, with a total return of 1874.27% (7.68% annualized).

Zefiro SCF Zefiro Portfolio: an investment of 1$, since January 1985, now would be worth 22.11$, with a total return of 2110.98% (7.98% 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 1985 - 30 April 2025 (~40 years)
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High Yield Bonds Income Zefiro Portfolio
Author The Lazy Team Zefiro SCF
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 50%
Commodities 0% 30%
PERFORMANCES
Annualized Return (%) 8.00
11.31
Infl. Adjusted Return (%) 5.57 8.81
DRAWDOWN
Deepest Drawdown Depth (%) -2.38
-2.12
Start to Recovery (months) 5
2
Longest Drawdown Depth (%) -2.38
-0.75
Start to Recovery (months) 5
2
Longest Negative Period (months) 7*
3
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.77
4.71
Sharpe Ratio 0.55
1.38
Sortino Ratio 0.70
1.69
Ulcer Index 1.13
0.66
Ratio: Return / Standard Deviation 1.39
2.40
Ratio: Return / Deepest Drawdown 3.35
5.33
Metrics calculated over the period 1 May 2024 - 30 April 2025
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High Yield Bonds Income Zefiro Portfolio
Author The Lazy Team Zefiro SCF
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 50%
Commodities 0% 30%
PERFORMANCES
Annualized Return (%) 2.47
6.51
Infl. Adjusted Return (%) -2.02 1.84
DRAWDOWN
Deepest Drawdown Depth (%) -21.84
-15.09
Start to Recovery (months) 44*
28
Longest Drawdown Depth (%) -21.84
-15.09
Start to Recovery (months) 44*
28
Longest Negative Period (months) 52*
34
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.76
8.47
Sharpe Ratio -0.01
0.47
Sortino Ratio -0.01
0.61
Ulcer Index 9.64
5.55
Ratio: Return / Standard Deviation 0.25
0.77
Ratio: Return / Deepest Drawdown 0.11
0.43
Metrics calculated over the period 1 May 2020 - 30 April 2025
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High Yield Bonds Income Zefiro Portfolio
Author The Lazy Team Zefiro SCF
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 50%
Commodities 0% 30%
PERFORMANCES
Annualized Return (%) 3.04
4.88
Infl. Adjusted Return (%) -0.05 1.73
DRAWDOWN
Deepest Drawdown Depth (%) -21.84
-15.09
Start to Recovery (months) 44*
28
Longest Drawdown Depth (%) -21.84
-15.09
Start to Recovery (months) 44*
28
Longest Negative Period (months) 65
34
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.85
7.44
Sharpe Ratio 0.15
0.42
Sortino Ratio 0.20
0.56
Ulcer Index 7.19
4.48
Ratio: Return / Standard Deviation 0.34
0.66
Ratio: Return / Deepest Drawdown 0.14
0.32
Metrics calculated over the period 1 May 2015 - 30 April 2025
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High Yield Bonds Income Zefiro Portfolio
Author The Lazy Team Zefiro SCF
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 50%
Commodities 0% 30%
PERFORMANCES
Annualized Return (%) 6.67
6.91
Infl. Adjusted Return (%) 4.05 4.28
DRAWDOWN
Deepest Drawdown Depth (%) -23.97
-20.61
Start to Recovery (months)
21
26
Longest Drawdown Depth (%) -21.84
-11.32
Start to Recovery (months) 44*
36
Longest Negative Period (months) 65
54
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.83
7.47
Sharpe Ratio 0.50
0.62
Sortino Ratio 0.67
0.82
Ulcer Index 5.14
4.34
Ratio: Return / Standard Deviation 0.76
0.92
Ratio: Return / Deepest Drawdown 0.28
0.34
Metrics calculated over the period 1 May 1995 - 30 April 2025
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High Yield Bonds Income Zefiro Portfolio
Author The Lazy Team Zefiro SCF
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 50%
Commodities 0% 30%
PERFORMANCES
Annualized Return (%) 7.68
7.98
Infl. Adjusted Return (%) 4.75 5.04
DRAWDOWN
Deepest Drawdown Depth (%) -23.97
-20.61
Start to Recovery (months)
21
26
Longest Drawdown Depth (%) -21.84
-11.32
Start to Recovery (months) 44*
36
Longest Negative Period (months) 65
54
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.15
7.19
Sharpe Ratio 0.55
0.67
Sortino Ratio 0.74
0.90
Ulcer Index 4.65
3.87
Ratio: Return / Standard Deviation 0.94
1.11
Ratio: Return / Deepest Drawdown 0.32
0.39
Metrics calculated over the period 1 January 1985 - 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 1985 - 30 April 2025 (~40 years)

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High Yield Bonds Income Zefiro Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-23.97 21 Nov 2007
Jul 2009
-21.84 44* Sep 2021
In progress
-20.61 26 Jul 2008
Aug 2010
-15.09 28 Apr 2022
Jul 2024
-11.99 6 Feb 2020
Jul 2020
-11.32 36 Sep 2014
Aug 2017
-8.48 9 Aug 1998
Apr 1999
-7.79 16 Mar 2015
Jun 2016
-7.24 19 Oct 2012
Apr 2014
-6.71 10 May 2013
Feb 2014
-6.70 7 May 2002
Nov 2002
-6.38 5 Feb 2020
Jun 2020
-5.38 7 Sep 2018
Mar 2019
-5.32 6 Apr 2004
Sep 2004
-5.09 7 May 1998
Nov 1998

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High Yield Bonds Income Zefiro Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-23.97 21 Nov 2007
Jul 2009
-21.84 44* Sep 2021
In progress
-20.61 26 Jul 2008
Aug 2010
-15.09 28 Apr 2022
Jul 2024
-11.99 6 Feb 2020
Jul 2020
-11.32 36 Sep 2014
Aug 2017
-8.48 9 Aug 1998
Apr 1999
-7.89 7 Aug 1990
Feb 1991
-7.79 16 Mar 2015
Jun 2016
-7.63 12 Mar 1987
Feb 1988
-7.41 16 Feb 1994
May 1995
-7.24 19 Oct 2012
Apr 2014
-6.78 15 Feb 1994
Apr 1995
-6.71 10 May 2013
Feb 2014
-6.70 7 May 2002
Nov 2002

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 - 30 April 2025 (~40 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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High Yield Bonds Income Zefiro Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 1.35 -1.72
4.03
-0.77
2024
 4.74 -2.49
8.92
-2.12
2023
11.21
-5.59 7.77 -5.89
2022
 -16.88 -21.38
-10.59
-15.09
2021
 0.88 -3.16
11.11
-1.77
2020
 7.08 -11.99
11.22
-6.38
2019
16.98
-0.39 16.48 -0.84
2018
 -4.53 -4.53
-4.16
-5.38
2017
 8.78 -0.17
9.46
-0.77
2016
12.01
-3.93 6.93 -4.62
2015
-3.94
-6.90 -7.52 -9.67
2014
6.28
-2.37 3.77 -4.11
2013
-0.40
-6.71 -3.05 -6.81
2012
12.61
-1.87 6.64 -1.98
2011
 9.07 -4.40
11.91
-2.72
2010
 11.52 -3.24
12.60
-2.07
2009
23.52
-10.62 9.39 -8.41
2008
 -10.54 -23.59
-6.72
-20.31
2007
 3.36 -3.84
16.02
-1.07
2006
7.28
-2.69 6.29 -2.32
2005
 5.61 -2.30
9.47
-2.72
2004
 9.55 -4.56
9.93
-5.32
2003
18.30
-3.91 16.33 -4.49
2002
 7.38 -6.70
14.45
-1.32
2001
10.89
-3.49 -3.73 -3.79
2000
 6.15 -3.14
13.78
-1.72
1999
 6.34 -3.60
7.95
-3.17
1998
 2.17 -8.48
4.56
-5.09
1997
13.61
-2.54 7.47 -3.09
1996
14.28
-2.87 8.74 -1.81
1995
 22.64 -0.20
23.28
0.00
1994
 -4.27 -7.41
-2.84
-6.78
1993
18.58
-0.44 11.01 -1.88
1992
12.00
-2.11 5.73 -2.04
1991
25.88
0.00 13.34 -1.31
1990
 -0.59 -7.89
6.29
-5.20
1989
 8.29 -0.68
19.26
-0.76
1988
11.12
-1.52 9.15 -1.72
1987
 0.07 -7.63
7.11
-4.72
1986
 15.01 -0.64
17.76
-2.27
1985
 21.64 -1.39
23.85
-2.73
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