Stocks/Bonds 20/80 Portfolio vs Gyroscopic Investing Desert 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:
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
Gyroscopic Investing Desert Portfolio
1.00$
Initial Capital
May 1995
7.32$
Final Capital
April 2025
6.86%
Yearly Return
5.50%
Std Deviation
-14.72%
Max Drawdown
27months
Recovery Period
1.00$
Initial Capital
May 1995
3.48$
Final Capital
April 2025
4.24%
Yearly Return
5.50%
Std Deviation
-21.07%
Max Drawdown
44months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1871
11.0K$
Final Capital
April 2025
6.22%
Yearly Return
5.97%
Std Deviation
-33.15%
Max Drawdown
48months
Recovery Period
1.00$
Initial Capital
January 1871
429.69$
Final Capital
April 2025
4.01%
Yearly Return
5.97%
Std Deviation
-46.37%
Max Drawdown
121months
Recovery Period

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.

As of April 2025, in the previous 30 Years, the Gyroscopic Investing Desert Portfolio obtained a 6.86% compound annual return, with a 5.50% standard deviation. It suffered a maximum drawdown of -14.72% that required 27 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.

Stocks/Bonds 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
80.00
BND
Vanguard Total Bond Market
Gyroscopic Investing Desert Portfolio
Weight
(%)		 Ticker Name
30.00
VTI
Vanguard Total Stock Market
60.00
IEI
iShares 3-7 Year Treasury Bond
10.00
GLD
SPDR Gold 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 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 Stocks/Bonds 20/80
-- Market Benchmark 		1.44 0.18 1.74 8.95 2.48 3.64 5.73 5.68
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gyroscopic_investing.webp Desert Portfolio
Gyroscopic Investing 		3.40 1.24 3.88 13.30 5.82 5.58 6.86 6.22
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

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).

Gyroscopic Investing Desert Portfolio: an investment of 1$, since May 1995, now would be worth 7.32$, with a total return of 632.26% (6.86% annualized).


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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).

Gyroscopic Investing Desert Portfolio: an investment of 1$, since January 1871, now would be worth 11008.58$, with a total return of 1100757.86% (6.22% 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
Stocks/Bonds 20/80 Desert Portfolio
Author Gyroscopic Investing
ASSET ALLOCATION
Stocks 20% 30%
Fixed Income 80% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 8.95 13.30
Infl. Adjusted Return (%) 6.74 10.99
DRAWDOWN
Deepest Drawdown Depth (%) -2.07 -1.63
Start to Recovery (months) 2 2
Longest Drawdown Depth (%) -2.00 -0.95
Start to Recovery (months) 3 2
Longest Negative Period (months) 7* 3
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.37 4.49
Sharpe Ratio 0.77 1.89
Sortino Ratio 0.95 2.31
Ulcer Index 0.94 0.53
Ratio: Return / Standard Deviation 1.67 2.96
Ratio: Return / Deepest Drawdown 4.32 8.14
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Stocks/Bonds 20/80 Desert Portfolio
Author Gyroscopic Investing
ASSET ALLOCATION
Stocks 20% 30%
Fixed Income 80% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 2.48 5.82
Infl. Adjusted Return (%) -1.97 1.23
DRAWDOWN
Deepest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Negative Period (months) 45 38
RISK INDICATORS
Standard Deviation (%) 7.57 7.18
Sharpe Ratio -0.01 0.46
Sortino Ratio -0.01 0.61
Ulcer Index 7.33 5.30
Ratio: Return / Standard Deviation 0.33 0.81
Ratio: Return / Deepest Drawdown 0.15 0.39
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Stocks/Bonds 20/80 Desert Portfolio
Author Gyroscopic Investing
ASSET ALLOCATION
Stocks 20% 30%
Fixed Income 80% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 3.64 5.58
Infl. Adjusted Return (%) 0.55 2.43
DRAWDOWN
Deepest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Negative Period (months) 50 38
RISK INDICATORS
Standard Deviation (%) 6.11 5.95
Sharpe Ratio 0.31 0.64
Sortino Ratio 0.42 0.88
Ulcer Index 5.25 3.86
Ratio: Return / Standard Deviation 0.60 0.94
Ratio: Return / Deepest Drawdown 0.22 0.38
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Stocks/Bonds 20/80 Desert Portfolio
Author Gyroscopic Investing
ASSET ALLOCATION
Stocks 20% 30%
Fixed Income 80% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 5.73 6.86
Infl. Adjusted Return (%) 3.13 4.24
DRAWDOWN
Deepest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Drawdown Depth (%) -16.57 -14.72
Start to Recovery (months) 33 27
Longest Negative Period (months) 50 38
RISK INDICATORS
Standard Deviation (%) 4.96 5.50
Sharpe Ratio 0.70 0.83
Sortino Ratio 0.93 1.13
Ulcer Index 3.21 2.63
Ratio: Return / Standard Deviation 1.16 1.25
Ratio: Return / Deepest Drawdown 0.35 0.47
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Stocks/Bonds 20/80 Desert Portfolio
Author Gyroscopic Investing
ASSET ALLOCATION
Stocks 20% 30%
Fixed Income 80% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 5.68 6.22
Infl. Adjusted Return (%) 3.48 4.01
DRAWDOWN
Deepest Drawdown Depth (%) -18.94 -33.15
Start to Recovery (months) 36 48
Longest Drawdown Depth (%) -18.94 -33.15
Start to Recovery (months) 36 48
Longest Negative Period (months) 61 80
RISK INDICATORS
Standard Deviation (%) 5.12 5.97
Sharpe Ratio 0.33 0.37
Sortino Ratio 0.47 0.53
Ulcer Index 2.55 3.70
Ratio: Return / Standard Deviation 1.11 1.04
Ratio: Return / Deepest Drawdown 0.30 0.19
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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Stocks/Bonds 20/80 Desert Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-16.57 33 Jan 2022
Sep 2024
-14.72 27 Jan 2022
Mar 2024
-10.15 19 Mar 2008
Sep 2009
-8.42 15 May 2008
Jul 2009
-4.42 3 Jul 1998
Sep 1998
-3.94 13 Feb 2001
Feb 2002
-3.92 3 Feb 2020
Apr 2020
-3.56 3 Feb 2020
Apr 2020
-3.44 7 Apr 2004
Oct 2004
-3.24 2 Sep 2011
Oct 2011
-2.91 3 Feb 1999
Apr 1999
-2.78 3 Apr 2000
Jun 2000
-2.77 5 Sep 2018
Jan 2019
-2.70 6 May 1999
Oct 1999
-2.67 5 Sep 2018
Jan 2019

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Stocks/Bonds 20/80 Desert Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-33.15 48 Sep 1929
Aug 1933
-18.94 36 Jun 1930
May 1933
-16.57 33 Jan 2022
Sep 2024
-16.03 34 Mar 1937
Dec 1939
-14.72 27 Jan 2022
Mar 2024
-11.08 19 May 1969
Nov 1970
-10.61 11 Mar 1974
Jan 1975
-10.15 19 Mar 2008
Sep 2009
-10.14 20 Mar 1937
Oct 1938
-9.99 4 Feb 1980
May 1980
-9.55 19 Jul 1895
Jan 1897
-9.36 20 Aug 1895
Mar 1897
-8.60 20 Oct 1906
May 1908
-8.49 14 Sep 1987
Oct 1988
-8.42 15 May 2008
Jul 2009

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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Stocks/Bonds 20/80 Desert Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 1.44 -1.15 3.40 -0.40
2024
 5.87 -2.83 10.90 -2.08
2023
 9.53 -5.62 11.64 -4.01
2022
 -14.39 -16.57 -11.64 -14.72
2021
 3.64 -1.82 5.76 -2.29
2020
 10.38 -3.92 12.96 -3.56
2019
 13.20 -0.07 14.41 -0.95
2018
 -1.13 -2.67 -0.94 -2.77
2017
 7.10 -0.02 8.38 -0.12
2016
 4.58 -2.40 5.39 -2.63
2015
 0.52 -1.90 0.02 -2.57
2014
 7.16 -0.89 5.45 -1.59
2013
 5.01 -2.56 6.10 -2.64
2012
 5.82 -0.62 6.70 -2.16
2011
 6.53 -0.88 6.23 -3.24
2010
 8.44 -0.76 11.95 -1.56
2009
 8.69 -5.67 10.05 -5.76
2008
 -1.91 -8.42 -2.92 -8.78
2007
 6.61 -0.76 10.64 -0.86
2006
 6.55 -1.09 8.85 -1.61
2005
 3.18 -1.84 5.06 -1.48
2004
 5.95 -2.58 6.34 -3.44
2003
 9.33 -2.13 12.64 -1.46
2002
 2.51 -2.13 4.90 -2.20
2001
 4.55 -1.99 1.31 -3.94
2000
 7.00 -2.23 4.70 -2.78
1999
 4.16 -2.17 5.12 -2.91
1998
 11.52 -2.15 13.26 -4.42
1997
 13.75 -1.70 12.53 -2.44
1996
 7.06 -1.44 6.98 -2.04
1995
 21.70 0.00 23.10 0.00
1994
 -2.16 -5.50 -2.86 -5.63
1993
 9.87 -1.10 11.81 -1.14
1992
 7.53 -1.25 6.83 -2.19
1991
 18.68 -1.05 18.44 -1.44
1990
 5.70 -3.09 3.54 -3.71
1989
 16.54 -0.87 16.86 -1.08
1988
 9.35 -2.17 6.82 -1.71
1987
 1.75 -6.14 4.17 -8.49
1986
 15.00 -3.14 15.33 -2.55
1985
 24.05 -1.20 23.33 -1.21
1984
 12.45 -5.25 7.73 -4.82
1983
 8.71 -2.55 8.30 -2.24
1982
 29.01 -2.01 26.32 -3.26
1981
 6.70 -4.80 1.14 -7.38
1980
 8.94 -7.35 13.20 -9.99
1979
 9.13 -6.01 23.14 -5.87
1978
 2.61 -3.91 6.93 -4.01
1977
 0.16 -3.03 1.88 -2.73
1976
 16.30 -1.12 15.78 -1.19
1975
 13.45 -3.39 13.28 -5.90
1974
 -1.00 -7.35 1.69 -10.61
1973
 -0.06 -4.25 4.52 -2.49
1972
 5.70 -0.85 11.82 -0.45
1971
 11.12 -6.85 12.65 -4.66
1970
 14.75 -7.32 12.37 -7.35
1969
 -3.75 -6.02 -5.97 -8.03
1968
 5.00 -3.25 7.55 -2.19
1967
 5.05 -2.41 7.92 -2.06
1966
 2.23 -5.06 0.34 -5.94
1965
 3.42 -0.76 4.73 -1.03
1964
 6.40 -0.13 7.24 -0.32
1963
 5.54 -0.77 7.30 -1.00
1962
 2.64 -4.17 0.50 -6.18
1961
 6.45 -1.47 8.58 -1.52
1960
 10.61 -1.16 8.43 -1.54
1959
 1.20 -2.43 2.81 -2.68
1958
 6.71 -1.94 11.74 -0.94
1957
 4.87 -2.64 2.18 -3.74
1956
 0.46 -2.85 1.63 -3.23
1955
 4.53 -0.46 7.22 -0.52
1954
 12.38 -1.01 16.77 -1.29
1953
 3.04 -3.52 1.55 -4.32
1952
 4.52 -1.67 5.05 -1.76
1951
 4.19 -2.28 6.18 -2.19
1950
 5.97 -1.39 8.93 -1.90
1949
 7.50 -0.52 8.23 -1.05
1948
 2.55 -2.14 2.04 -3.26
1947
 0.41 -2.01 2.08 -1.75
1946
 -0.68 -5.01 -1.19 -7.09
1945
 11.74 -0.47 14.80 -0.95
1944
 6.06 -0.20 7.66 -0.40
1943
 7.56 -1.84 10.14 -2.72
1942
 4.38 -2.52 5.79 -3.76
1941
 -0.23 -3.96 -1.40 -4.91
1940
 2.01 -6.24 0.28 -8.12
1939
 2.95 -2.25 2.55 -3.58
1938
 9.18 -5.26 11.07 -7.87
1937
 -5.47 -7.37 -9.33 -11.51
1936
 10.35 -1.34 12.80 -2.18
1935
 12.39 -0.51 16.19 -1.56
1934
 6.29 -2.22 5.87 -3.60
1933
 13.83 -4.78 24.58 -6.82
1932
 8.09 -5.48 4.75 -11.02
1931
 -10.48 -13.55 -14.48 -18.82
1930
 0.53 -4.69 -3.87 -9.84
1929
 1.14 -5.50 -0.87 -10.20
1928
 6.99 -1.64 11.04 -1.69
1927
 10.90 -0.83 13.17 -1.35
1926
 6.06 -1.10 6.25 -2.21
1925
 7.69 -1.29 9.62 -1.97
1924
 11.71 -0.11 12.81 -0.53
1923
 4.04 -1.81 3.83 -3.40
1922
 10.22 -1.08 12.02 -1.47
1921
 12.53 -1.28 10.91 -2.31
1920
 -2.63 -4.36 -4.08 -4.57
1919
 5.70 -1.88 7.21 -2.63
1918
 7.31 -0.63 8.21 -0.86
1917
 -5.08 -5.08 -6.61 -6.61
1916
 4.53 -0.64 4.61 -0.73
1915
 11.23 -0.64 13.09 -0.63
1914
 4.10 -2.03 2.24 -4.37
1913
 2.14 -1.72 0.88 -1.69
1912
 2.68 -0.77 3.08 -1.23
1911
 3.97 -1.88 3.48 -2.91
1910
 2.66 -0.84 1.46 -2.32
1909
 4.37 -0.57 5.68 -0.54
1908
 17.01 -0.21 18.68 -0.40
1907
 -5.10 -5.87 -7.48 -7.79
1906
 0.70 -2.35 0.61 -3.23
1905
 4.77 -1.63 6.76 -1.92
1904
 11.09 -0.64 13.11 -0.82
1903
 -1.70 -4.31 -3.84 -6.90
1902
 2.43 -3.06 3.02 -2.49
1901
 5.34 -2.36 6.91 -2.80
1900
 7.24 -1.40 8.52 -1.39
1899
 0.41 -2.47 0.85 -2.91
1898
 9.58 -5.44 11.56 -4.68
1897
 8.74 -0.88 9.58 -0.87
1896
 3.90 -5.00 3.39 -5.61
1895
 1.03 -5.16 1.49 -4.85
1894
 5.59 -0.91 4.71 -1.07
1893
 0.02 -6.08 -2.82 -8.38
1892
 2.91 -0.95 3.08 -1.03
1891
 8.10 -2.84 8.89 -2.54
1890
 -0.25 -3.07 -1.12 -4.05
1889
 3.40 -0.84 3.60 -0.90
1888
 5.05 -1.53 4.28 -1.64
1887
 1.03 -2.94 0.66 -3.68
1886
 2.99 -1.38 4.03 -1.72
1885
 10.27 -0.77 12.18 -0.80
1884
 0.67 -4.87 -1.36 -5.75
1883
 2.34 -1.36 0.92 -1.92
1882
 3.20 -1.50 2.90 -2.02
1881
 2.83 -3.42 2.14 -3.73
1880
 9.52 -1.43 11.10 -2.45
1879
 12.21 -0.58 16.53 -0.59
1878
 8.43 -0.12 8.46 -0.14
1877
 2.70 -2.64 1.37 -4.98
1876
 2.91 -3.66 -0.48 -4.25
1875
 6.26 -2.56 5.68 -1.78
1874
 11.91 -1.89 9.77 -1.41
1873
 2.89 -7.49 1.59 -7.83
1872
 3.68 -3.22 4.67 -2.79
1871
 5.34 -1.82 6.19 -1.95
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