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

Simulation Settings
Period: January 1970 - March 2025 (~55 years)
Consolidated Returns as of 31 March 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1970)
Inflation Adjusted:
Stocks/Bonds 80/20 Portfolio
1.00$
Initial Capital
April 1995
14.79$
Final Capital
March 2025
9.39%
Yearly Return
12.57%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Initial Capital
April 1995
6.99$
Final Capital
March 2025
6.70%
Yearly Return
12.57%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period
1.00$
Initial Capital
January 1970
200.26$
Final Capital
March 2025
10.07%
Yearly Return
12.82%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Initial Capital
January 1970
23.62$
Final Capital
March 2025
5.89%
Yearly Return
12.82%
Std Deviation
-46.99%
Max Drawdown
123months
Recovery Period
Paul Farrell Second Grader's Starter Portfolio
1.00$
Initial Capital
April 1995
11.49$
Final Capital
March 2025
8.48%
Yearly Return
13.90%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Initial Capital
April 1995
5.44$
Final Capital
March 2025
5.81%
Yearly Return
13.90%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period
1.00$
Initial Capital
January 1970
178.94$
Final Capital
March 2025
9.84%
Yearly Return
13.91%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Initial Capital
January 1970
21.10$
Final Capital
March 2025
5.67%
Yearly Return
13.91%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period

As of March 2025, in the previous 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.39% compound annual return, with a 12.57% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 months to be recovered.

As of March 2025, in the previous 30 Years, the Paul Farrell Second Grader's Starter Portfolio obtained a 8.48% compound annual return, with a 13.90% standard deviation. It suffered a maximum drawdown of -48.52% that required 59 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 80/20 Portfolio
Weight
(%)		 ETF
Ticker		 Name
80.00
VTI
Vanguard Total Stock Market
20.00
BND
Vanguard Total Bond Market
Paul Farrell Second Grader's Starter Portfolio
Weight
(%)		 ETF
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
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Portfolio Returns as of Mar 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 1970 - 31 March 2025 (~55 years)
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Return (%) as of Mar 31, 2025
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~55Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 80/20
-- Market Benchmark 		-3.31 -4.67 -1.71 7.01 14.33 9.81 9.39 10.07
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_paul_farrell.webp Second Grader's Starter
Paul Farrell 		-0.83 -3.33 -1.59 7.25 14.30 8.91 8.48 9.84
Return over 1 year are annualized.
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Capital Growth as of Mar 31, 2025

Stocks/Bonds 80/20 Portfolio: an investment of 1$, since April 1995, now would be worth 14.79$, with a total return of 1378.51% (9.39% annualized).

Paul Farrell Second Grader's Starter Portfolio: an investment of 1$, since April 1995, now would be worth 11.49$, with a total return of 1049.31% (8.48% annualized).


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Stocks/Bonds 80/20 Portfolio: an investment of 1$, since January 1970, now would be worth 200.26$, with a total return of 19925.80% (10.07% annualized).

Paul Farrell Second Grader's Starter Portfolio: an investment of 1$, since January 1970, now would be worth 178.94$, with a total return of 17793.67% (9.84% annualized).


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Portfolio Metrics as of Mar 31, 2025

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

METRIC COMPARISON
Period: 1 April 2024 - 31 March 2025 (1 year)
Period: 1 April 2020 - 31 March 2025 (5 years)
Period: 1 April 2015 - 31 March 2025 (10 years)
Period: 1 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1970 - 31 March 2025 (~55 years)
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Stocks/Bonds 80/20 Second Grader's Starter
Author Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.01 7.25
Infl. Adjusted Return (%) 4.51 4.74
DRAWDOWN
Deepest Drawdown Depth (%) -6.03 -3.63
Start to Recovery (months) 4* 2
Longest Drawdown Depth (%) -6.03 -3.62
Start to Recovery (months) 4* 2*
Longest Negative Period (months) 6* 6*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 10.89 9.62
Sharpe Ratio 0.19 0.24
Sortino Ratio 0.26 0.32
Ulcer Index 2.21 1.72
Ratio: Return / Standard Deviation 0.64 0.75
Ratio: Return / Deepest Drawdown 1.16 2.00
Metrics calculated over the period 1 April 2024 - 31 March 2025
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Stocks/Bonds 80/20 Second Grader's Starter
Author Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 14.33 14.30
Infl. Adjusted Return (%) 9.54 9.52
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -24.21
Start to Recovery (months) 25 26
Longest Drawdown Depth (%) -22.75 -24.21
Start to Recovery (months) 25 26
Longest Negative Period (months) 30 31
RISK INDICATORS
Standard Deviation (%) 14.53 14.74
Sharpe Ratio 0.82 0.80
Sortino Ratio 1.11 1.10
Ulcer Index 8.10 8.10
Ratio: Return / Standard Deviation 0.99 0.97
Ratio: Return / Deepest Drawdown 0.63 0.59
Metrics calculated over the period 1 April 2020 - 31 March 2025
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Stocks/Bonds 80/20 Second Grader's Starter
Author Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.81 8.91
Infl. Adjusted Return (%) 6.52 5.66
DRAWDOWN
Deepest Drawdown Depth (%) -22.75 -24.21
Start to Recovery (months) 25 26
Longest Drawdown Depth (%) -22.75 -24.21
Start to Recovery (months) 25 26
Longest Negative Period (months) 30 31
RISK INDICATORS
Standard Deviation (%) 13.04 13.67
Sharpe Ratio 0.62 0.53
Sortino Ratio 0.83 0.70
Ulcer Index 6.35 6.75
Ratio: Return / Standard Deviation 0.75 0.65
Ratio: Return / Deepest Drawdown 0.43 0.37
Metrics calculated over the period 1 April 2015 - 31 March 2025
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Stocks/Bonds 80/20 Second Grader's Starter
Author Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.39 8.48
Infl. Adjusted Return (%) 6.70 5.81
DRAWDOWN
Deepest Drawdown Depth (%) -41.09 -48.52
Start to Recovery (months) 39 59
Longest Drawdown Depth (%) -33.33 -39.03
Start to Recovery (months) 59 64
Longest Negative Period (months) 122 131
RISK INDICATORS
Standard Deviation (%) 12.57 13.90
Sharpe Ratio 0.57 0.45
Sortino Ratio 0.74 0.58
Ulcer Index 10.39 12.78
Ratio: Return / Standard Deviation 0.75 0.61
Ratio: Return / Deepest Drawdown 0.23 0.17
Metrics calculated over the period 1 April 1995 - 31 March 2025
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Stocks/Bonds 80/20 Second Grader's Starter
Author Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.07 9.84
Infl. Adjusted Return (%) 5.89 5.67
DRAWDOWN
Deepest Drawdown Depth (%) -41.09 -48.52
Start to Recovery (months) 39 59
Longest Drawdown Depth (%) -33.33 -39.03
Start to Recovery (months) 59 64
Longest Negative Period (months) 122 131
RISK INDICATORS
Standard Deviation (%) 12.82 13.91
Sharpe Ratio 0.44 0.39
Sortino Ratio 0.59 0.52
Ulcer Index 9.27 10.88
Ratio: Return / Standard Deviation 0.78 0.71
Ratio: Return / Deepest Drawdown 0.24 0.20
Metrics calculated over the period 1 January 1970 - 31 March 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 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1970 - 31 March 2025 (~55 years)

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Stocks/Bonds 80/20 Second Grader's Starter
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-41.09 39 Nov 2007
Jan 2011
-39.03 64 Apr 2000
Jul 2005
-33.33 59 Sep 2000
Jul 2005
-24.21 26 Jan 2022
Feb 2024
-22.75 25 Jan 2022
Jan 2024
-19.32 8 Jan 2020
Aug 2020
-16.53 6 Feb 2020
Jul 2020
-14.32 5 Jul 1998
Nov 1998
-13.95 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-11.99 7 Oct 2018
Apr 2019
-11.32 7 Oct 2018
Apr 2019
-10.88 14 Jun 2015
Jul 2016
-7.05 12 Jun 2015
May 2016

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Stocks/Bonds 80/20 Second Grader's Starter
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-41.09 39 Nov 2007
Jan 2011
-39.03 64 Apr 2000
Jul 2005
-38.74 39 Jan 1973
Mar 1976
-36.88 39 Jan 1973
Mar 1976
-33.33 59 Sep 2000
Jul 2005
-24.55 20 Sep 1987
Apr 1989
-24.21 26 Jan 2022
Feb 2024
-22.75 25 Jan 2022
Jan 2024
-21.75 17 Sep 1987
Jan 1989
-19.60 12 Jan 1970
Dec 1970
-19.32 8 Jan 2020
Aug 2020
-17.61 23 Dec 1980
Oct 1982
-16.95 14 Jan 1990
Feb 1991
-16.53 6 Feb 2020
Jul 2020

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 - 31 March 2025 (~55 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 80/20 Second Grader's Starter
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -3.31 -5.71 -0.83 -3.62
2024
 19.32 -3.99 16.09 -3.63
2023
 21.92 -8.32 20.93 -9.14
2022
 -18.23 -22.75 -17.70 -24.21
2021
 20.16 -3.88 17.70 -3.84
2020
 18.36 -16.53 16.72 -19.32
2019
 26.30 -4.97 25.83 -5.44
2018
 -4.19 -11.32 -7.40 -11.99
2017
 17.68 0.00 21.30 0.00
2016
 10.77 -4.34 9.42 -5.60
2015
 0.40 -7.05 -1.16 -9.62
2014
 11.20 -2.23 6.75 -3.49
2013
 26.34 -2.66 24.11 -2.56
2012
 13.79 -5.21 15.86 -7.88
2011
 2.36 -13.35 -2.83 -17.88
2010
 15.18 -10.23 14.62 -11.38
2009
 23.84 -14.71 28.98 -17.20
2008
 -28.21 -30.13 -34.54 -37.04
2007
 5.68 -4.17 8.57 -5.03
2006
 13.41 -2.63 17.83 -3.36
2005
 5.53 -3.41 8.70 -3.82
2004
 11.08 -2.95 14.35 -3.09
2003
 25.40 -3.13 30.95 -4.37
2002
 -14.73 -20.47 -15.98 -22.25
2001
 -7.09 -17.69 -11.78 -21.62
2000
 -6.18 -12.05 -9.89 -14.07
1999
 18.90 -5.12 23.19 -3.08
1998
 20.33 -13.95 19.50 -14.32
1997
 26.68 -3.85 19.31 -4.84
1996
 17.49 -4.78 14.34 -4.50
1995
 32.26 -0.70 24.48 -1.28
1994
 -0.67 -6.95 2.56 -5.09
1993
 10.44 -2.06 16.32 -4.22
1992
 8.71 -2.02 1.74 -4.65
1991
 28.96 -3.69 23.80 -4.67
1990
 -3.13 -12.23 -10.22 -16.95
1989
 25.22 -2.00 22.09 -2.57
1988
 15.32 -2.84 18.82 -3.47
1987
 2.40 -24.55 10.87 -21.75
1986
 14.68 -6.76 29.27 -5.18
1985
 29.47 -3.45 36.18 -2.85
1984
 4.75 -7.80 3.66 -8.18
1983
 19.17 -3.09 21.23 -3.07
1982
 22.62 -7.08 14.99 -12.58
1981
 -1.44 -10.81 -2.74 -11.40
1980
 27.10 -10.71 27.18 -10.99
1979
 20.47 -6.94 17.88 -7.18
1978
 6.99 -9.83 14.57 -8.59
1977
 -2.48 -6.59 2.89 -4.35
1976
 23.93 -1.62 17.93 -2.79
1975
 31.73 -10.05 32.69 -11.35
1974
 -21.11 -27.27 -22.01 -29.06
1973
 -13.65 -14.55 -13.91 -15.04
1972
 14.64 -1.96 22.52 -1.37
1971
 16.00 -6.14 21.01 -5.36
1970
 7.28 -14.57 0.25 -19.60
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