Short Term Treasury Portfolio vs Stocks/Bonds 20/80 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - April 2025 (~154 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 1871)
Inflation Adjusted:
Short Term Treasury Portfolio
1.00$
Initial Capital
May 1995
2.49$
Final Capital
April 2025
3.09%
Yearly Return
1.77%
Std Deviation
-5.36%
Max Drawdown
37months
Recovery Period
1.00$
Initial Capital
May 1995
1.18$
Final Capital
April 2025
0.56%
Yearly Return
1.77%
Std Deviation
-23.21%
Max Drawdown
196months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1871
805.77$
Final Capital
April 2025
4.43%
Yearly Return
3.45%
Std Deviation
-8.52%
Max Drawdown
13months
Recovery Period
1.00$
Initial Capital
January 1871
31.45$
Final Capital
April 2025
2.26%
Yearly Return
3.45%
Std Deviation
-45.12%
Max Drawdown
153months
Recovery Period
Stocks/Bonds 20/80 Portfolio
1.00$
Initial Capital
May 1995
5.32$
Final Capital
April 2025
5.73%
Yearly Return
4.96%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Initial Capital
May 1995
2.52$
Final Capital
April 2025
3.13%
Yearly Return
4.96%
Std Deviation
-24.58%
Max Drawdown
52months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1871
5.1K$
Final Capital
April 2025
5.68%
Yearly Return
5.12%
Std Deviation
-18.94%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
January 1871
197.71$
Final Capital
April 2025
3.48%
Yearly Return
5.12%
Std Deviation
-46.65%
Max Drawdown
126months
Recovery Period

As of April 2025, in the previous 30 Years, the Short Term Treasury Portfolio obtained a 3.09% compound annual return, with a 1.77% standard deviation. It suffered a maximum drawdown of -5.36% that required 37 months to be recovered.

As of April 2025, in the previous 30 Years, the Stocks/Bonds 20/80 Portfolio obtained a 5.73% compound annual return, with a 4.96% standard deviation. It suffered a maximum drawdown of -16.57% that required 33 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.

Short Term Treasury Portfolio
Weight
(%)		 Ticker Name
100.00
SHY
iShares 1-3 Year Treasury Bond
Stocks/Bonds 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
80.00
BND
Vanguard Total Bond Market
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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 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_us_author.webp Short Term Treasury
-- Market Benchmark 		2.39 0.81 2.95 6.58 1.10 1.42 3.09 4.43
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 20/80
-- Market Benchmark 		1.44 0.18 1.74 8.95 2.48 3.64 5.73 5.68
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

Short Term Treasury Portfolio: an investment of 1$, since May 1995, now would be worth 2.49$, with a total return of 149.25% (3.09% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since May 1995, now would be worth 5.32$, with a total return of 431.64% (5.73% annualized).


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Short Term Treasury Portfolio: an investment of 1$, since January 1871, now would be worth 805.77$, with a total return of 80477.44% (4.43% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since January 1871, now would be worth 5065.27$, with a total return of 506427.14% (5.68% 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)
Swipe left to see all data
Short Term Treasury Stocks/Bonds 20/80
Author
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.58 8.95
Infl. Adjusted Return (%) 4.41 6.74
DRAWDOWN
Deepest Drawdown Depth (%) -0.62 -2.07
Start to Recovery (months) 4 2
Longest Drawdown Depth (%) -0.62 -2.00
Start to Recovery (months) 4 3
Longest Negative Period (months) 3 7*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 1.51 5.37
Sharpe Ratio 1.18 0.77
Sortino Ratio 1.44 0.95
Ulcer Index 0.20 0.94
Ratio: Return / Standard Deviation 4.37 1.67
Ratio: Return / Deepest Drawdown 10.54 4.32
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Short Term Treasury Stocks/Bonds 20/80
Author
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.10 2.48
Infl. Adjusted Return (%) -3.29 -1.97
DRAWDOWN
Deepest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Negative Period (months) 49 45
RISK INDICATORS
Standard Deviation (%) 1.99 7.57
Sharpe Ratio -0.72 -0.01
Sortino Ratio -1.03 -0.01
Ulcer Index 2.27 7.33
Ratio: Return / Standard Deviation 0.55 0.33
Ratio: Return / Deepest Drawdown 0.20 0.15
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Short Term Treasury Stocks/Bonds 20/80
Author
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.42 3.64
Infl. Adjusted Return (%) -1.61 0.55
DRAWDOWN
Deepest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Negative Period (months) 49 50
RISK INDICATORS
Standard Deviation (%) 1.62 6.11
Sharpe Ratio -0.21 0.31
Sortino Ratio -0.30 0.42
Ulcer Index 1.63 5.25
Ratio: Return / Standard Deviation 0.88 0.60
Ratio: Return / Deepest Drawdown 0.26 0.22
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Short Term Treasury Stocks/Bonds 20/80
Author
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.09 5.73
Infl. Adjusted Return (%) 0.56 3.13
DRAWDOWN
Deepest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Drawdown Depth (%) -5.36 -16.57
Start to Recovery (months) 37 33
Longest Negative Period (months) 49 50
RISK INDICATORS
Standard Deviation (%) 1.77 4.96
Sharpe Ratio 0.46 0.70
Sortino Ratio 0.70 0.93
Ulcer Index 0.97 3.21
Ratio: Return / Standard Deviation 1.75 1.16
Ratio: Return / Deepest Drawdown 0.58 0.35
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Short Term Treasury Stocks/Bonds 20/80
Author
ASSET ALLOCATION
Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.43 5.68
Infl. Adjusted Return (%) 2.26 3.48
DRAWDOWN
Deepest Drawdown Depth (%) -8.52 -18.94
Start to Recovery (months) 13 36
Longest Drawdown Depth (%) -5.36 -18.94
Start to Recovery (months) 37 36
Longest Negative Period (months) 49 61
RISK INDICATORS
Standard Deviation (%) 3.45 5.12
Sharpe Ratio 0.12 0.33
Sortino Ratio 0.19 0.47
Ulcer Index 1.19 2.55
Ratio: Return / Standard Deviation 1.28 1.11
Ratio: Return / Deepest Drawdown 0.52 0.30
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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Short Term Treasury Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.57 33 Jan 2022
Sep 2024
-8.42 15 May 2008
Jul 2009
-5.36 37 Jun 2021
Jun 2024
-3.92 3 Feb 2020
Apr 2020
-2.67 5 Sep 2018
Jan 2019
-2.58 6 Apr 2004
Sep 2004
-2.56 6 May 2013
Oct 2013
-2.40 9 Aug 2016
Apr 2017
-2.23 3 Apr 2000
Jun 2000
-2.17 3 Feb 1999
Apr 1999
-2.15 3 Jul 1998
Sep 1998
-2.13 3 Jul 2003
Sep 2003
-2.13 6 Jun 2002
Nov 2002
-2.07 2 Oct 2024
Nov 2024
-2.05 7 Feb 2018
Aug 2018

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Short Term Treasury Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-18.94 36 Jun 1930
May 1933
-16.57 33 Jan 2022
Sep 2024
-10.14 20 Mar 1937
Oct 1938
-9.55 19 Jul 1895
Jan 1897
-8.52 13 Apr 1971
Apr 1972
-8.42 15 May 2008
Jul 2009
-8.25 27 Sep 1968
Nov 1970
-7.96 15 Nov 1973
Jan 1975
-7.75 7 Oct 1979
Apr 1980
-7.53 17 Jul 1895
Nov 1896
-7.49 8 Jul 1873
Feb 1874
-6.85 9 Apr 1971
Dec 1971
-6.84 9 Mar 1970
Nov 1970
-6.24 7 Apr 1940
Oct 1940
-6.17 11 Sep 1931
Jul 1932

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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Short Term Treasury Stocks/Bonds 20/80
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.39 0.00 1.44 -1.15
2024
 3.91 -0.62 5.87 -2.83
2023
 3.97 -0.99 9.53 -5.62
2022
 -3.88 -4.65 -14.39 -16.57
2021
 -0.72 -0.74 3.64 -1.82
2020
 3.03 -0.08 10.38 -3.92
2019
 3.38 -0.13 13.20 -0.07
2018
 1.46 -0.39 -1.13 -2.67
2017
 0.26 -0.51 7.10 -0.02
2016
 0.82 -0.67 4.58 -2.40
2015
 0.43 -0.55 0.52 -1.90
2014
 0.45 -0.29 7.16 -0.89
2013
 0.21 -0.23 5.01 -2.56
2012
 0.28 -0.22 5.82 -0.62
2011
 1.44 -0.25 6.53 -0.88
2010
 2.28 -0.37 8.44 -0.76
2009
 0.35 -0.84 8.69 -5.67
2008
 6.62 -1.18 -1.91 -8.42
2007
 7.35 -0.07 6.61 -0.76
2006
 3.89 0.00 6.55 -1.09
2005
 1.53 -0.38 3.18 -1.84
2004
 0.66 -1.09 5.95 -2.58
2003
 2.22 -0.55 9.33 -2.13
2002
 8.02 -0.82 2.51 -2.13
2001
 7.80 -1.09 4.55 -1.99
2000
 8.83 -0.22 7.00 -2.23
1999
 1.85 -0.88 4.16 -2.17
1998
 7.36 -0.15 11.52 -2.15
1997
 6.51 -0.20 13.75 -1.70
1996
 4.39 -1.11 7.06 -1.44
1995
 12.11 0.00 21.70 0.00
1994
 -0.48 -2.23 -2.16 -5.50
1993
 6.31 -0.45 9.87 -1.10
1992
 6.75 -1.21 7.53 -1.25
1991
 11.49 0.00 18.68 -1.05
1990
 9.92 -0.09 5.70 -3.09
1989
 11.48 -0.98 16.54 -0.87
1988
 5.67 -0.37 9.35 -2.17
1987
 4.78 -0.99 1.75 -6.14
1986
 10.35 -0.40 15.00 -3.14
1985
 13.83 -0.51 24.05 -1.20
1984
 14.01 -0.91 12.45 -5.25
1983
 8.00 -0.55 8.71 -2.55
1982
 22.12 -0.61 29.01 -2.01
1981
 14.26 -1.70 6.70 -4.80
1980
 8.81 -4.26 8.94 -7.35
1979
 8.08 -2.55 9.13 -6.01
1978
 3.35 -0.68 2.61 -3.91
1977
 2.91 -1.11 0.16 -3.03
1976
 8.15 -1.97 16.30 -1.12
1975
 8.89 -3.84 13.45 -3.39
1974
 6.97 -2.78 -1.00 -7.35
1973
 4.59 -3.07 -0.06 -4.25
1972
 3.91 -1.74 5.70 -0.85
1971
 7.64 -8.52 11.12 -6.85
1970
 13.53 -6.84 14.75 -7.32
1969
 3.49 -3.61 -3.75 -6.02
1968
 4.70 -4.14 5.00 -3.25
1967
 3.66 -2.60 5.05 -2.41
1966
 5.17 -3.11 2.23 -5.06
1965
 2.44 -1.03 3.42 -0.76
1964
 3.89 -0.04 6.40 -0.13
1963
 2.40 -0.25 5.54 -0.77
1962
 4.18 -0.87 2.64 -4.17
1961
 2.46 -1.61 6.45 -1.47
1960
 8.62 -0.88 10.61 -1.16
1959
 1.43 -2.09 1.20 -2.43
1958
 1.68 -4.59 6.71 -1.94
1957
 5.56 -3.50 4.87 -2.64
1956
 1.40 -1.69 0.46 -2.85
1955
 0.30 -1.22 4.53 -0.46
1954
 2.52 -1.09 12.38 -1.01
1953
 3.13 -3.22 3.04 -3.52
1952
 1.89 -1.78 4.52 -1.67
1951
 0.86 -2.30 4.19 -2.28
1950
 0.64 -0.57 5.97 -1.39
1949
 1.78 -0.59 7.50 -0.52
1948
 1.42 -1.05 2.55 -2.14
1947
 0.92 -2.20 0.41 -2.01
1946
 1.08 -1.41 -0.68 -5.01
1945
 1.48 -1.32 11.74 -0.47
1944
 1.18 -0.02 6.06 -0.20
1943
 1.50 -0.18 7.56 -1.84
1942
 0.68 -0.54 4.38 -2.52
1941
 1.27 -2.13 -0.23 -3.96
1940
 1.39 -2.60 2.01 -6.24
1939
 1.07 -5.48 2.95 -2.25
1938
 1.99 -0.69 9.18 -5.26
1937
 1.03 -2.45 -5.47 -7.37
1936
 1.50 -0.55 10.35 -1.34
1935
 1.47 -1.55 12.39 -0.51
1934
 2.79 -2.78 6.29 -2.22
1933
 2.19 -1.93 13.83 -4.78
1932
 7.56 -2.47 8.09 -5.48
1931
 0.73 -3.80 -10.48 -13.55
1930
 6.97 -0.19 0.53 -4.69
1929
 5.72 -1.18 1.14 -5.50
1928
 1.69 -0.99 6.99 -1.64
1927
 4.50 -0.24 10.90 -0.83
1926
 4.11 0.00 6.06 -1.10
1925
 2.67 -0.39 7.69 -1.29
1924
 6.21 -0.28 11.71 -0.11
1923
 4.19 -0.04 4.04 -1.81
1922
 5.01 -0.83 10.22 -1.08
1921
 10.90 -0.13 12.53 -1.28
1920
 3.48 -2.56 -2.63 -4.36
1919
 4.03 -0.44 5.70 -1.88
1918
 5.30 -1.21 7.31 -0.63
1917
 1.41 -2.82 -5.08 -5.08
1916
 2.74 -1.04 4.53 -0.64
1915
 4.96 -0.84 11.23 -0.64
1914
 6.28 -0.11 4.10 -2.03
1913
 5.55 -1.77 2.14 -1.72
1912
 2.47 -0.28 2.68 -0.77
1911
 4.07 -0.98 3.97 -1.88
1910
 5.48 -0.14 2.66 -0.84
1909
 1.92 -1.26 4.37 -0.57
1908
 9.95 -0.29 17.01 -0.21
1907
 3.64 -2.55 -5.10 -5.87
1906
 3.56 -0.95 0.70 -2.35
1905
 1.88 -2.63 4.77 -1.63
1904
 5.91 -0.23 11.09 -0.64
1903
 4.86 -0.97 -1.70 -4.31
1902
 2.84 -4.27 2.43 -3.06
1901
 3.29 -0.93 5.34 -2.36
1900
 4.69 -1.49 7.24 -1.40
1899
 0.71 -2.07 0.41 -2.47
1898
 4.33 -5.89 9.58 -5.44
1897
 5.09 -1.21 8.74 -0.88
1896
 5.63 -3.14 3.90 -5.00
1895
 0.51 -6.30 1.03 -5.16
1894
 4.70 -0.88 5.59 -0.91
1893
 7.87 -1.42 0.02 -6.08
1892
 2.61 -1.05 2.91 -0.95
1891
 7.10 -3.00 8.10 -2.84
1890
 4.12 -1.66 -0.25 -3.07
1889
 2.86 -0.59 3.40 -0.84
1888
 5.99 -1.05 5.05 -1.53
1887
 4.76 -1.43 1.03 -2.94
1886
 1.93 -1.13 2.99 -1.38
1885
 5.08 -0.62 10.27 -0.77
1884
 5.22 -2.28 0.67 -4.87
1883
 6.19 -0.73 2.34 -1.36
1882
 4.72 -0.75 3.20 -1.50
1881
 3.98 -2.21 2.83 -3.42
1880
 5.33 -2.00 9.52 -1.43
1879
 3.34 -1.47 12.21 -0.58
1878
 6.40 -0.62 8.43 -0.12
1877
 3.90 -1.63 2.70 -2.64
1876
 6.37 -2.37 2.91 -3.66
1875
 4.78 -3.58 6.26 -2.56
1874
 13.66 -2.39 11.91 -1.89
1873
 8.61 -4.40 2.89 -7.49
1872
 5.34 -2.72 3.68 -3.22
1871
 3.70 -1.77 5.34 -1.82
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