The Lazy Team Simplified Permanent Portfolio vs Bogleheads Three Funds Portfolio Portfolio Comparison

Simulation Settings
Period: January 1970 - April 2025 (~55 years)
Consolidated Returns as of 30 April 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
(Change Settings)
The minimum date range must be at least 12 months. 'Date To' cannot be beyond April 2025.
Reset settings
Close
Results
30 Years
All (since January 1970)
Inflation Adjusted:
The Lazy Team Simplified Permanent Portfolio
1.00$
Initial Capital
May 1995
8.42$
Final Capital
April 2025
7.36%
Yearly Return
6.92%
Std Deviation
-16.43%
Max Drawdown
27months
Recovery Period
1.00$
Initial Capital
May 1995
3.99$
Final Capital
April 2025
4.72%
Yearly Return
6.92%
Std Deviation
-23.36%
Max Drawdown
52months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1970
120.70$
Final Capital
April 2025
9.05%
Yearly Return
7.98%
Std Deviation
-16.43%
Max Drawdown
27months
Recovery Period
1.00$
Initial Capital
January 1970
14.20$
Final Capital
April 2025
4.91%
Yearly Return
7.98%
Std Deviation
-25.39%
Max Drawdown
35months
Recovery Period
Bogleheads Three Funds Portfolio
1.00$
Initial Capital
May 1995
9.86$
Final Capital
April 2025
7.93%
Yearly Return
12.41%
Std Deviation
-43.68%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
May 1995
4.67$
Final Capital
April 2025
5.27%
Yearly Return
12.41%
Std Deviation
-44.61%
Max Drawdown
63months
Recovery Period
1.00$
Initial Capital
January 1970
153.03$
Final Capital
April 2025
9.52%
Yearly Return
12.53%
Std Deviation
-43.68%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
January 1970
18.01$
Final Capital
April 2025
5.36%
Yearly Return
12.53%
Std Deviation
-44.62%
Max Drawdown
124months
Recovery Period

As of April 2025, in the previous 30 Years, the The Lazy Team Simplified Permanent Portfolio obtained a 7.36% compound annual return, with a 6.92% standard deviation. It suffered a maximum drawdown of -16.43% that required 27 months to be recovered.

As of April 2025, in the previous 30 Years, the Bogleheads Three Funds Portfolio obtained a 7.93% compound annual return, with a 12.41% standard deviation. It suffered a maximum drawdown of -43.68% that required 42 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.
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Set your goal
Use top metrics to evaluate
Join the passive investing strategy
Exclusive new asset allocations in EUR and USD
Buy now
English book
Buy now
Italian book

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

The Lazy Team Simplified Permanent Portfolio
Weight
(%)		 Ticker Name
25.00
VTI
Vanguard Total Stock Market
50.00
IEF
iShares 7-10 Year Treasury Bond
25.00
GLD
SPDR Gold Trust
Bogleheads Three Funds Portfolio
Weight
(%)		 Ticker Name
50.00
VTI
Vanguard Total Stock Market
30.00
VEU
Vanguard FTSE All-World ex-US
20.00
BND
Vanguard Total Bond Market
Test Your Asset Allocation
Evaluate your portfolio strategy in 7 different currencies
Try the Backtest Tool

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 1970 - 30 April 2025 (~55 years)
Swipe left to see all data
Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~55Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_lzp.webp Simplified Permanent Portfolio
The Lazy Team 		7.42 1.88 6.39 18.49 6.09 6.21 7.36 9.05
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_bogleheads.webp Three Funds
Bogleheads 		0.55 0.61 1.41 11.53 10.64 7.80 7.93 9.52
Return over 1 year are annualized.
Explore All Lazy Portfolios
Tailored Portfolios for every Investment Strategy

Capital Growth as of Apr 30, 2025

The Lazy Team Simplified Permanent Portfolio: an investment of 1$, since May 1995, now would be worth 8.42$, with a total return of 742.32% (7.36% annualized).

Bogleheads Three Funds Portfolio: an investment of 1$, since May 1995, now would be worth 9.86$, with a total return of 886.40% (7.93% annualized).


Loading data
Please wait
The Lazy Team Simplified Permanent Portfolio: an investment of 1$, since January 1970, now would be worth 120.70$, with a total return of 11969.80% (9.05% annualized).

Bogleheads Three Funds Portfolio: an investment of 1$, since January 1970, now would be worth 153.03$, with a total return of 15202.84% (9.52% annualized).


Loading data
Please wait
Readings that may interest you

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 1970 - 30 April 2025 (~55 years)
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Author The Lazy Team Bogleheads
ASSET ALLOCATION
Stocks 25% 80%
Fixed Income 50% 20%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 18.49 11.53
Infl. Adjusted Return (%) 15.83 9.03
DRAWDOWN
Deepest Drawdown Depth (%) -2.24 -2.75
Start to Recovery (months) 2 2*
Longest Drawdown Depth (%) -0.55 -2.68
Start to Recovery (months) 2 3
Longest Negative Period (months) 3 7*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.04 7.81
Sharpe Ratio 2.71 0.86
Sortino Ratio 3.27 1.10
Ulcer Index 0.64 1.36
Ratio: Return / Standard Deviation 3.67 1.48
Ratio: Return / Deepest Drawdown 8.26 4.19
Metrics calculated over the period 1 May 2024 - 30 April 2025
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Author The Lazy Team Bogleheads
ASSET ALLOCATION
Stocks 25% 80%
Fixed Income 50% 20%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 6.09 10.64
Infl. Adjusted Return (%) 1.45 5.79
DRAWDOWN
Deepest Drawdown Depth (%) -16.43 -23.18
Start to Recovery (months) 27 26
Longest Drawdown Depth (%) -16.43 -23.18
Start to Recovery (months) 27 26
Longest Negative Period (months) 40 34
RISK INDICATORS
Standard Deviation (%) 8.60 13.05
Sharpe Ratio 0.41 0.62
Sortino Ratio 0.56 0.84
Ulcer Index 5.95 7.90
Ratio: Return / Standard Deviation 0.71 0.81
Ratio: Return / Deepest Drawdown 0.37 0.46
Metrics calculated over the period 1 May 2020 - 30 April 2025
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Author The Lazy Team Bogleheads
ASSET ALLOCATION
Stocks 25% 80%
Fixed Income 50% 20%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 6.21 7.80
Infl. Adjusted Return (%) 3.02 4.56
DRAWDOWN
Deepest Drawdown Depth (%) -16.43 -23.18
Start to Recovery (months) 27 26
Longest Drawdown Depth (%) -16.43 -23.18
Start to Recovery (months) 27 26
Longest Negative Period (months) 40 34
RISK INDICATORS
Standard Deviation (%) 7.28 12.36
Sharpe Ratio 0.61 0.49
Sortino Ratio 0.86 0.65
Ulcer Index 4.45 6.43
Ratio: Return / Standard Deviation 0.85 0.63
Ratio: Return / Deepest Drawdown 0.38 0.34
Metrics calculated over the period 1 May 2015 - 30 April 2025
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Author The Lazy Team Bogleheads
ASSET ALLOCATION
Stocks 25% 80%
Fixed Income 50% 20%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 7.36 7.93
Infl. Adjusted Return (%) 4.72 5.27
DRAWDOWN
Deepest Drawdown Depth (%) -16.43 -43.68
Start to Recovery (months) 27 42
Longest Drawdown Depth (%) -16.43 -33.38
Start to Recovery (months) 27 57
Longest Negative Period (months) 40 118
RISK INDICATORS
Standard Deviation (%) 6.92 12.41
Sharpe Ratio 0.73 0.46
Sortino Ratio 1.02 0.59
Ulcer Index 3.15 10.83
Ratio: Return / Standard Deviation 1.06 0.64
Ratio: Return / Deepest Drawdown 0.45 0.18
Metrics calculated over the period 1 May 1995 - 30 April 2025
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Author The Lazy Team Bogleheads
ASSET ALLOCATION
Stocks 25% 80%
Fixed Income 50% 20%
Commodities 25% 0%
PERFORMANCES
Annualized Return (%) 9.05 9.52
Infl. Adjusted Return (%) 4.91 5.36
DRAWDOWN
Deepest Drawdown Depth (%) -16.43 -43.68
Start to Recovery (months) 27 42
Longest Drawdown Depth (%) -16.43 -33.38
Start to Recovery (months) 27 57
Longest Negative Period (months) 40 118
RISK INDICATORS
Standard Deviation (%) 7.98 12.53
Sharpe Ratio 0.58 0.41
Sortino Ratio 0.84 0.55
Ulcer Index 3.27 9.21
Ratio: Return / Standard Deviation 1.13 0.76
Ratio: Return / Deepest Drawdown 0.55 0.22
Metrics calculated over the period 1 January 1970 - 30 April 2025
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book

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 1970 - 30 April 2025 (~55 years)

Loading data
Please wait
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.68 42 Nov 2007
Apr 2011
-33.38 57 Apr 2000
Dec 2004
-23.18 26 Jan 2022
Feb 2024
-17.01 7 Jan 2020
Jul 2020
-16.43 27 Jan 2022
Mar 2024
-15.77 17 May 2011
Sep 2012
-13.28 18 Mar 2008
Aug 2009
-12.46 5 Jul 1998
Nov 1998
-10.53 15 Feb 2018
Apr 2019
-9.88 14 Jun 2015
Jul 2016
-6.69 11 Apr 2013
Feb 2014
-6.23 12 Aug 2016
Jul 2017
-5.27 14 Feb 2015
Mar 2016
-5.09 9 Feb 1999
Oct 1999
-4.79 7 Apr 2004
Oct 2004

Loading data
Please wait
Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.68 42 Nov 2007
Apr 2011
-34.07 37 Jan 1973
Jan 1976
-33.38 57 Apr 2000
Dec 2004
-23.18 26 Jan 2022
Feb 2024
-19.21 17 Sep 1987
Jan 1989
-17.24 12 Jan 1970
Dec 1970
-17.01 7 Jan 2020
Jul 2020
-16.43 27 Jan 2022
Mar 2024
-15.77 17 May 2011
Sep 2012
-15.31 14 Jan 1990
Feb 1991
-14.34 21 Dec 1980
Aug 1982
-14.03 23 Dec 1980
Oct 1982
-13.28 18 Mar 2008
Aug 2009
-13.17 5 Feb 1980
Jun 1980
-12.46 5 Jul 1998
Nov 1998

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 1970 - 30 April 2025 (~55 years)


Head To Head (Ptf 1 vs Ptf 2):
US Inflation Adjusted:

Loading data
Please wait

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.

Swipe left to see all data
Simplified Permanent Portfolio Three Funds
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 7.42 0.00 0.55 -2.75
2024
 12.30 -2.24 13.85 -3.44
2023
 11.51 -5.16 18.86 -8.74
2022
 -12.67 -16.43 -17.06 -23.18
2021
 3.72 -3.81 14.95 -3.53
2020
 16.46 -3.11 15.39 -17.01
2019
 16.15 -0.99 23.65 -4.68
2018
 -1.29 -3.68 -6.89 -10.53
2017
 9.78 -0.96 19.54 0.00
2016
 5.72 -6.23 8.39 -4.82
2015
 -1.82 -5.27 -1.14 -8.74
2014
 7.12 -2.59 6.07 -3.01
2013
 -1.76 -6.69 20.56 -2.36
2012
 7.59 -1.89 14.53 -7.09
2011
 10.45 -3.69 -2.14 -15.77
2010
 16.36 -0.02 13.50 -9.82
2009
 9.94 -4.96 26.45 -15.70
2008
 0.94 -13.28 -30.15 -33.07
2007
 14.14 -1.50 8.73 -4.35
2006
 10.82 -2.47 16.69 -3.08
2005
 7.34 -1.60 8.30 -3.34
2004
 6.42 -4.79 13.49 -2.83
2003
 15.31 -2.22 28.27 -3.88
2002
 9.00 -2.60 -13.11 -18.90
2001
 0.15 -3.21 -9.84 -18.61
2000
 4.63 -2.98 -7.69 -11.84
1999
 2.25 -5.09 20.73 -2.88
1998
 12.93 -4.63 18.03 -12.46
1997
 8.38 -2.87 17.15 -4.61
1996
 4.09 -3.64 12.60 -3.77
1995
 21.97 0.00 22.72 -1.03
1994
 -4.18 -5.67 2.31 -4.84
1993
 13.56 -1.61 16.23 -4.16
1992
 4.46 -3.11 1.54 -4.66
1991
 15.41 -1.06 22.09 -4.27
1990
 1.55 -5.66 -8.74 -15.31
1989
 15.24 -1.52 20.64 -2.08
1988
 3.97 -2.03 17.83 -3.20
1987
 5.46 -5.83 10.76 -19.21
1986
 19.06 -1.00 29.32 -4.89
1985
 24.24 -2.66 35.27 -2.34
1984
 3.14 -5.27 4.95 -7.57
1983
 2.74 -3.74 19.49 -2.98
1982
 28.65 -5.77 16.05 -10.52
1981
 -6.55 -13.29 -1.38 -10.40
1980
 11.44 -13.17 24.15 -10.43
1979
 38.61 -5.94 15.99 -7.03
1978
 11.00 -5.48 13.84 -7.76
1977
 5.09 -3.12 3.33 -3.91
1976
 13.24 -2.32 16.66 -2.66
1975
 6.02 -7.68 29.64 -10.48
1974
 11.61 -11.37 -18.66 -25.61
1973
 15.34 -6.38 -11.64 -12.71
1972
 17.84 -2.23 21.03 -1.21
1971
 14.20 -2.36 20.20 -5.15
1970
 12.20 -5.73 1.50 -17.24
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book