Paul Farrell Second Grader's Starter Portfolio vs Stocks/Bonds 80/20 Momentum Portfolio Portfolio Comparison

Simulation Settings
Period: January 1982 - May 2025 (~43 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1982)
Inflation Adjusted:
Paul Farrell Second Grader's Starter Portfolio
1.00$
Initial Capital
June 1995
11.58$
Final Capital
May 2025
8.51%
Yearly Return
13.92%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Initial Capital
June 1995
5.50$
Final Capital
May 2025
5.85%
Yearly Return
13.92%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period
1.00$
Initial Capital
January 1982
70.35$
Final Capital
May 2025
10.29%
Yearly Return
13.63%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Initial Capital
January 1982
20.66$
Final Capital
May 2025
7.22%
Yearly Return
13.63%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period
Stocks/Bonds 80/20 Momentum Portfolio
1.00$
Initial Capital
June 1995
26.54$
Final Capital
May 2025
11.55%
Yearly Return
12.60%
Std Deviation
-43.61%
Max Drawdown
52months
Recovery Period
1.00$
Initial Capital
June 1995
12.60$
Final Capital
May 2025
8.81%
Yearly Return
12.60%
Std Deviation
-44.54%
Max Drawdown
63months
Recovery Period
1.00$
Initial Capital
January 1982
180.57$
Final Capital
May 2025
12.71%
Yearly Return
12.62%
Std Deviation
-43.61%
Max Drawdown
52months
Recovery Period
1.00$
Initial Capital
January 1982
53.03$
Final Capital
May 2025
9.58%
Yearly Return
12.62%
Std Deviation
-44.54%
Max Drawdown
63months
Recovery Period

As of May 2025, in the previous 30 Years, the Paul Farrell Second Grader's Starter Portfolio obtained a 8.51% compound annual return, with a 13.92% standard deviation. It suffered a maximum drawdown of -48.52% that required 59 months to be recovered.

As of May 2025, in the previous 30 Years, the Stocks/Bonds 80/20 Momentum Portfolio obtained a 11.55% compound annual return, with a 12.60% standard deviation. It suffered a maximum drawdown of -43.61% that required 52 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.

Paul Farrell Second Grader's Starter Portfolio
Weight
(%)		 Ticker Name
60.00
VTI
Vanguard Total Stock Market
30.00
VEU
Vanguard FTSE All-World ex-US
10.00
BND
Vanguard Total Bond Market
Stocks/Bonds 80/20 Momentum Portfolio
Weight
(%)		 Ticker Name
80.00
MTUM
iShares Edge MSCI USA Momentum Fctr
20.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of May 31, 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 1982 - 31 May 2025 (~43 years)
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Return (%) as of May 31, 2025
YTD
(5M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~43Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_paul_farrell.webp Second Grader's Starter
Paul Farrell 		4.67 5.01 1.73 12.68 12.33 9.27 8.51 10.29
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 80/20 Momentum
-- Market Benchmark 		10.25 8.20 6.14 21.42 11.24 11.42 11.55 12.71
Return over 1 year are annualized.
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Capital Growth as of May 31, 2025

Paul Farrell Second Grader's Starter Portfolio: an investment of 1$, since June 1995, now would be worth 11.58$, with a total return of 1057.96% (8.51% annualized).

Stocks/Bonds 80/20 Momentum Portfolio: an investment of 1$, since June 1995, now would be worth 26.54$, with a total return of 2553.63% (11.55% annualized).


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Paul Farrell Second Grader's Starter Portfolio: an investment of 1$, since January 1982, now would be worth 70.35$, with a total return of 6935.10% (10.29% annualized).

Stocks/Bonds 80/20 Momentum Portfolio: an investment of 1$, since January 1982, now would be worth 180.57$, with a total return of 17957.23% (12.71% annualized).


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Portfolio Metrics as of May 31, 2025

The following metrics, updated as of 31 May 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1982 - 31 May 2025 (~43 years)
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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Author Paul Farrell
ASSET ALLOCATION
Stocks 90% 80%
Fixed Income 10% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.68
21.42
Infl. Adjusted Return (%) 10.15 18.70
DRAWDOWN
Deepest Drawdown Depth (%)
-3.62
-5.81
Start to Recovery (months) 4
3
Longest Drawdown Depth (%)
-3.62
-5.81
Start to Recovery (months) 4
3
Longest Negative Period (months) 7
5
RISK INDICATORS
Standard Deviation (%)
8.87
13.49
Sharpe Ratio 0.90
1.24
Sortino Ratio 1.19
1.65
Ulcer Index
1.64
2.12
Ratio: Return / Standard Deviation 1.43
1.59
Ratio: Return / Deepest Drawdown 3.50
3.69
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Author Paul Farrell
ASSET ALLOCATION
Stocks 90% 80%
Fixed Income 10% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%)
12.33
11.24
Infl. Adjusted Return (%) 7.39 6.34
DRAWDOWN
Deepest Drawdown Depth (%)
-24.21
-27.23
Start to Recovery (months)
26
32
Longest Drawdown Depth (%)
-24.21
-27.23
Start to Recovery (months)
26
32
Longest Negative Period (months)
31
39
RISK INDICATORS
Standard Deviation (%)
14.22
15.44
Sharpe Ratio
0.68
0.56
Sortino Ratio
0.93
0.77
Ulcer Index
8.11
12.85
Ratio: Return / Standard Deviation
0.87
0.73
Ratio: Return / Deepest Drawdown
0.51
0.41
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Author Paul Farrell
ASSET ALLOCATION
Stocks 90% 80%
Fixed Income 10% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.27
11.42
Infl. Adjusted Return (%) 6.02 8.11
DRAWDOWN
Deepest Drawdown Depth (%)
-24.21
-27.23
Start to Recovery (months)
26
32
Longest Drawdown Depth (%)
-24.21
-27.23
Start to Recovery (months)
26
32
Longest Negative Period (months)
31
39
RISK INDICATORS
Standard Deviation (%) 13.73
13.62
Sharpe Ratio 0.54
0.71
Sortino Ratio 0.73
0.96
Ulcer Index
6.76
9.49
Ratio: Return / Standard Deviation 0.67
0.84
Ratio: Return / Deepest Drawdown 0.38
0.42
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Author Paul Farrell
ASSET ALLOCATION
Stocks 90% 80%
Fixed Income 10% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.51
11.55
Infl. Adjusted Return (%) 5.85 8.81
DRAWDOWN
Deepest Drawdown Depth (%) -48.52
-43.61
Start to Recovery (months) 59
52
Longest Drawdown Depth (%) -39.03
-32.75
Start to Recovery (months) 64
52
Longest Negative Period (months) 131
112
RISK INDICATORS
Standard Deviation (%) 13.92
12.60
Sharpe Ratio 0.45
0.74
Sortino Ratio 0.58
0.97
Ulcer Index 12.78
11.97
Ratio: Return / Standard Deviation 0.61
0.92
Ratio: Return / Deepest Drawdown 0.18
0.26
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Author Paul Farrell
ASSET ALLOCATION
Stocks 90% 80%
Fixed Income 10% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.29
12.71
Infl. Adjusted Return (%) 7.22 9.58
DRAWDOWN
Deepest Drawdown Depth (%) -48.52
-43.61
Start to Recovery (months) 59
52
Longest Drawdown Depth (%) -39.03
-32.75
Start to Recovery (months) 64
52
Longest Negative Period (months) 131
112
RISK INDICATORS
Standard Deviation (%) 13.63
12.62
Sharpe Ratio 0.49
0.72
Sortino Ratio 0.65
0.96
Ulcer Index 11.01
10.54
Ratio: Return / Standard Deviation 0.76
1.01
Ratio: Return / Deepest Drawdown 0.21
0.29
Metrics calculated over the period 1 January 1982 - 31 May 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 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1982 - 31 May 2025 (~43 years)

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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-43.61 52 Nov 2007
Feb 2012
-39.03 64 Apr 2000
Jul 2005
-32.75 52 Sep 2000
Dec 2004
-27.23 32 Nov 2021
Jun 2024
-24.21 26 Jan 2022
Feb 2024
-19.32 8 Jan 2020
Aug 2020
-14.33 5 Feb 2020
Jun 2020
-14.32 5 Jul 1998
Nov 1998
-12.46 9 Oct 2018
Jun 2019
-11.99 7 Oct 2018
Apr 2019
-10.88 14 Jun 2015
Jul 2016
-9.24 3 Aug 1998
Oct 1998
-6.55 3 Sep 2020
Nov 2020
-6.22 8 Aug 2015
Mar 2016

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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-43.61 52 Nov 2007
Feb 2012
-39.03 64 Apr 2000
Jul 2005
-32.75 52 Sep 2000
Dec 2004
-27.23 32 Nov 2021
Jun 2024
-25.63 21 Sep 1987
May 1989
-24.21 26 Jan 2022
Feb 2024
-21.75 17 Sep 1987
Jan 1989
-19.32 8 Jan 2020
Aug 2020
-16.95 14 Jan 1990
Feb 1991
-14.33 5 Feb 2020
Jun 2020
-14.32 5 Jul 1998
Nov 1998
-12.58 10 Jan 1982
Oct 1982
-12.46 9 Oct 2018
Jun 2019
-11.99 7 Oct 2018
Apr 2019

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 1982 - 31 May 2025 (~43 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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Second Grader's Starter Stocks/Bonds 80/20 Momentum
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.67 -3.62
10.25
-5.81
2024
 16.09 -3.63
26.59
-4.94
2023
20.93
-9.14 8.40 -5.89
2022
 -17.70 -24.21
-17.23
-24.45
2021
17.70
-3.84 10.32 -3.67
2020
 16.72 -19.32
25.42
-14.33
2019
25.83
-5.44 23.57 -1.46
2018
 -7.40 -11.99
-1.35
-12.46
2017
 21.30 0.00
30.71
0.00
2016
9.42
-5.60 4.51 -3.62
2015
 -1.16 -9.62
7.25
-6.22
2014
 6.75 -3.49
12.86
-3.39
2013
 24.11 -2.56
27.24
-2.48
2012
15.86
-7.88 12.58 -5.19
2011
 -2.83 -17.88
6.33
-10.88
2010
 14.62 -11.38
15.66
-9.31
2009
28.98
-17.20 14.68 -16.18
2008
 -34.54 -37.04
-31.40
-32.66
2007
 8.57 -5.03
15.50
-1.97
2006
17.83
-3.36 9.30 -2.94
2005
 8.70 -3.82
15.79
-1.04
2004
14.35
-3.09 14.21 -2.13
2003
30.95
-4.37 21.59 -3.04
2002
 -15.98 -22.25
-8.17
-17.08
2001
-11.78
-21.62 -12.19 -20.18
2000
 -9.89 -14.07
-5.41
-9.70
1999
 23.19 -3.08
32.18
-1.61
1998
 19.50 -14.32
40.72
-9.24
1997
 19.31 -4.84
31.37
-4.22
1996
 14.34 -4.50
24.58
-3.09
1995
 24.48 -1.28
37.49
0.00
1994
2.56
-5.09 -1.40 -6.80
1993
16.32
-4.22 12.52 -1.57
1992
 1.74 -4.65
4.88
-2.94
1991
 23.80 -4.67
32.57
-3.31
1990
 -10.22 -16.95
2.93
-10.02
1989
 22.09 -2.57
36.94
-1.39
1988
18.82
-3.47 7.13 -4.35
1987
10.87
-21.75 2.18 -25.63
1986
29.27
-5.18 21.18 -6.69
1985
36.18
-2.85 30.36 -2.61
1984
3.66
-8.18 2.34 -8.41
1983
21.23
-3.07 14.60 -3.36
1982
 14.99 -12.58
30.58
-3.58
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