Stocks/Bonds 60/40 with Bitcoin Portfolio vs US Stocks Minimum Volatility Portfolio Portfolio Comparison

Simulation Settings
Period: January 2011 - March 2026 (~15 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
All Data
(2011/01 - 2026/03)
Inflation Adjusted:
Stocks/Bonds 60/40 with Bitcoin Portfolio
1.00$
Invested Capital
January 2011
13.37$
Final Capital
March 2026
18.53%
Yearly Return
33.68%
Std Deviation
-42.67%
Max Drawdown
28months
Recovery Period
1.00$
Invested Capital
January 2011
9.00$
Final Capital
March 2026
15.50%
Yearly Return
33.68%
Std Deviation
-43.26%
Max Drawdown
28months
Recovery Period
US Stocks Minimum Volatility Portfolio
1.00$
Invested Capital
January 2011
5.13$
Final Capital
March 2026
11.31%
Yearly Return
11.48%
Std Deviation
-19.06%
Max Drawdown
10months
Recovery Period
1.00$
Invested Capital
January 2011
3.45$
Final Capital
March 2026
8.46%
Yearly Return
11.48%
Std Deviation
-21.68%
Max Drawdown
31months
Recovery Period

As of March 2026, over the analyzed timeframe, the Stocks/Bonds 60/40 with Bitcoin Portfolio obtained a 18.53% compound annual return, with a 33.68% standard deviation. It suffered a maximum drawdown of -42.67% that required 28 months to be recovered.

As of March 2026, over the analyzed timeframe, the US Stocks Minimum Volatility Portfolio obtained a 11.31% compound annual return, with a 11.48% standard deviation. It suffered a maximum drawdown of -19.06% that required 10 months to be recovered.

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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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Weight
(%)
Ticker Name
59.00
VTI
Vanguard Total Stock Market
39.00
BND
Vanguard Total Bond Market
2.00
^BTC
Bitcoin
Weight
(%)
Ticker Name
100.00
USMV
iShares Edge MSCI Min Vol USA
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Portfolio Returns as of Mar 31, 2026

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
All Data
(2011/01 - 2026/03)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 60/40 with Bitcoin
1 $ 13.37 $ 1 236.99% 18.53%
US Stocks Minimum Volatility
1 $ 5.13 $ 412.62% 11.31%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 60/40 with Bitcoin
1 $ 9.00 $ 799.94% 15.50%
US Stocks Minimum Volatility
1 $ 3.45 $ 245.05% 8.46%

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Return (%) as of Mar 31, 2026
YTD
(3M)
1M 6M 1Y 5Y 10Y MAX
(~15Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 60/40 with Bitcoin
-- Market Benchmark
-2.79 -3.61 -1.51 11.82 7.02 12.47 18.53
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks Minimum Volatility
-- Market Benchmark
-1.10 -4.79 -1.72 0.58 7.77 9.74 11.31
Returns over 1 year are annualized.
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Portfolio Metrics as of Mar 31, 2026

The following metrics, updated as of 31 March 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 April 2025 - 31 March 2026 (1 year)
Period: 1 April 2021 - 31 March 2026 (5 years)
Period: 1 April 2016 - 31 March 2026 (10 years)
Period: 1 January 2011 - 31 March 2026 (~15 years)
1 Year
5 Years
10 Years
All (2011/01 - 2026/03)
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Stocks/Bonds 60/40 with Bitcoin US Stocks Minimum Volatility
Author
ASSET ALLOCATION
Stocks 59% 100%
Fixed Income 39% 0%
Commodities 2% 0%
PERFORMANCES
Annualized Return (%) 11.82 0.58
Infl. Adjusted (%) 9.14 -1.83
DRAWDOWN
Deepest Drawdown Depth (%) -3.61 -4.79
Start to Recovery (months) 1* 1*
Longest Drawdown Depth (%) -0.00 -1.20
Start to Recovery (months) 2 3
Longest Negative Period (months) 6* 9*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.51 7.25
Sharpe Ratio 1.20 -0.47
Sortino Ratio 1.57 -0.60
Ulcer Index 1.00 1.55
Ratio: Return / Standard Deviation 1.82 0.08
Ratio: Return / Deepest Drawdown 3.27 0.12
Metrics calculated over the period 1 April 2025 - 31 March 2026
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Stocks/Bonds 60/40 with Bitcoin US Stocks Minimum Volatility
Author
ASSET ALLOCATION
Stocks 59% 100%
Fixed Income 39% 0%
Commodities 2% 0%
PERFORMANCES
Annualized Return (%) 7.02 7.77
Infl. Adjusted (%) 2.58 3.30
DRAWDOWN
Deepest Drawdown Depth (%) -21.46 -17.35
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -21.46 -17.35
Start to Recovery (months) 26 25
Longest Negative Period (months) 31 27
RISK INDICATORS
Standard Deviation (%) 11.56 12.35
Sharpe Ratio 0.32 0.36
Sortino Ratio 0.44 0.49
Ulcer Index 7.92 5.62
Ratio: Return / Standard Deviation 0.61 0.63
Ratio: Return / Deepest Drawdown 0.33 0.45
Metrics calculated over the period 1 April 2021 - 31 March 2026
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Stocks/Bonds 60/40 with Bitcoin US Stocks Minimum Volatility
Author
ASSET ALLOCATION
Stocks 59% 100%
Fixed Income 39% 0%
Commodities 2% 0%
PERFORMANCES
Annualized Return (%) 12.47 9.74
Infl. Adjusted (%) 8.94 6.30
DRAWDOWN
Deepest Drawdown Depth (%) -21.46 -19.06
Start to Recovery (months) 26 10
Longest Drawdown Depth (%) -21.46 -17.35
Start to Recovery (months) 26 25
Longest Negative Period (months) 32 27
RISK INDICATORS
Standard Deviation (%) 11.29 12.20
Sharpe Ratio 0.92 0.62
Sortino Ratio 1.24 0.82
Ulcer Index 5.92 4.94
Ratio: Return / Standard Deviation 1.10 0.80
Ratio: Return / Deepest Drawdown 0.58 0.51
Metrics calculated over the period 1 April 2016 - 31 March 2026
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Stocks/Bonds 60/40 with Bitcoin US Stocks Minimum Volatility
Author
ASSET ALLOCATION
Stocks 59% 100%
Fixed Income 39% 0%
Commodities 2% 0%
PERFORMANCES
Annualized Return (%) 18.53 11.31
Infl. Adjusted (%) 15.50 8.46
DRAWDOWN
Deepest Drawdown Depth (%) -42.67 -19.06
Start to Recovery (months) 28 10
Longest Drawdown Depth (%) -22.56 -17.35
Start to Recovery (months) 41 25
Longest Negative Period (months) 40 27
RISK INDICATORS
Standard Deviation (%) 33.68 11.48
Sharpe Ratio 0.51 0.87
Sortino Ratio 1.29 1.16
Ulcer Index 13.43 4.20
Ratio: Return / Standard Deviation 0.55 0.99
Ratio: Return / Deepest Drawdown 0.43 0.59
Metrics calculated over the period 1 January 2011 - 31 March 2026
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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 April 2016 - 31 March 2026 (10 years)
Period: 1 January 2011 - 31 March 2026 (~15 years)

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Stocks/Bonds 60/40 with Bitcoin US Stocks Minimum Volatility
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-42.67 28 Jul 2011
Oct 2013
-22.56 41 Dec 2013
Apr 2017
-21.46 26 Jan 2022
Feb 2024
-19.06 10 Feb 2020
Nov 2020
-17.35 25 Jan 2022
Jan 2024
-12.82 6 Feb 2020
Jul 2020
-11.70 8 May 2011
Dec 2011
-8.77 8 Sep 2018
Apr 2019
-7.56 5 Oct 2018
Feb 2019
-5.66 3 Dec 2024
Feb 2025
-5.27 7 Aug 2016
Feb 2017
-5.12 3 Aug 2015
Oct 2015
-4.99 2 Sep 2021
Oct 2021
-4.79 1* Mar 2026
In progress
-4.54 7 Dec 2024
Jun 2025

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 2011 - 31 March 2026 (~15 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 60/40 with Bitcoin US Stocks Minimum Volatility
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2026
-2.79 -3.61 -1.10 -4.79
2025
12.72 -4.13 7.65 -2.06
2024
17.01 -3.98 15.74 -5.66
2023
20.59 -6.68 10.33 -4.29
2022
-17.91 -21.46 -9.42 -17.35
2021
15.61 -3.36 20.84 -4.99
2020
21.48 -12.82 5.64 -19.06
2019
23.38 -1.82 27.69 -1.61
2018
-4.59 -8.77 1.36 -7.56
2017
41.28 -0.20 18.91 -0.35
2016
11.03 -3.20 10.57 -5.27
2015
1.12 -5.37 5.45 -5.12
2014
8.54 -1.81 16.33 -3.04
2013
142.67 -21.78 25.09 -3.26
2012
14.56 -3.39 10.82 -2.17
2011
33.12 -42.67 12.70 -11.70
Mastering ETF Investing
Mastering ETF Investing
A practical guide to build wealth with Lazy Portfolios and passive investing
Set your goal Evaluate with top metrics