Tim Maurer Simple Money Portfolio vs Davide Pisicchio PISI Portfolio Portfolio Comparison

Simulation Settings
Period: January 1975 - April 2025 (~50 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 1975)
Inflation Adjusted:
Tim Maurer Simple Money Portfolio
1.00$
Initial Capital
May 1995
8.07$
Final Capital
April 2025
7.21%
Yearly Return
9.16%
Std Deviation
-32.39%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
May 1995
3.83$
Final Capital
April 2025
4.58%
Yearly Return
9.16%
Std Deviation
-33.50%
Max Drawdown
40months
Recovery Period
1.00$
Initial Capital
January 1975
133.20$
Final Capital
April 2025
10.21%
Yearly Return
9.75%
Std Deviation
-32.39%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
January 1975
21.62$
Final Capital
April 2025
6.30%
Yearly Return
9.75%
Std Deviation
-33.50%
Max Drawdown
40months
Recovery Period
Davide Pisicchio PISI Portfolio
1.00$
Initial Capital
May 1995
8.19$
Final Capital
April 2025
7.26%
Yearly Return
6.50%
Std Deviation
-18.36%
Max Drawdown
31months
Recovery Period
1.00$
Initial Capital
May 1995
3.89$
Final Capital
April 2025
4.63%
Yearly Return
6.50%
Std Deviation
-24.30%
Max Drawdown
44months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1975
70.86$
Final Capital
April 2025
8.83%
Yearly Return
7.45%
Std Deviation
-18.36%
Max Drawdown
31months
Recovery Period
1.00$
Initial Capital
January 1975
11.50$
Final Capital
April 2025
4.97%
Yearly Return
7.45%
Std Deviation
-24.30%
Max Drawdown
44months*
Recovery Period
* in progress

As of April 2025, in the previous 30 Years, the Tim Maurer Simple Money Portfolio obtained a 7.21% compound annual return, with a 9.16% standard deviation. It suffered a maximum drawdown of -32.39% that required 36 months to be recovered.

As of April 2025, in the previous 30 Years, the Davide Pisicchio PISI Portfolio obtained a 7.26% compound annual return, with a 6.50% standard deviation. It suffered a maximum drawdown of -18.36% that required 31 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.

Tim Maurer Simple Money Portfolio
Weight
(%)		 Ticker Name
15.00
SCZ
iShares MSCI EAFE Small-Cap
15.00
EFV
iShares MSCI EAFE Value
7.50
IJR
iShares Core S&P Small-Cap
7.50
IJS
iShares S&P Small-Cap 600 Value
7.50
VTV
Vanguard Value
7.50
VV
Vanguard Large-Cap
40.00
IEI
iShares 3-7 Year Treasury Bond
Davide Pisicchio PISI Portfolio
Weight
(%)		 Ticker Name
30.00
VTI
Vanguard Total Stock Market
50.00
IEF
iShares 7-10 Year Treasury Bond
10.00
LQD
iShares Investment Grade Corporate 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 1975 - 30 April 2025 (~50 years)
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Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~50Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_tim_maurer.webp Simple Money Portfolio
Tim Maurer 		2.96 0.84 2.71 9.87 7.23 5.06 7.21 10.21
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_davide_pisicchio.webp PISI Portfolio
Davide Pisicchio 		3.55 0.93 3.47 13.43 4.68 5.43 7.26 8.83
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

Tim Maurer Simple Money Portfolio: an investment of 1$, since May 1995, now would be worth 8.07$, with a total return of 707.31% (7.21% annualized).

Davide Pisicchio PISI Portfolio: an investment of 1$, since May 1995, now would be worth 8.19$, with a total return of 718.55% (7.26% annualized).


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Tim Maurer Simple Money Portfolio: an investment of 1$, since January 1975, now would be worth 133.20$, with a total return of 13220.26% (10.21% annualized).

Davide Pisicchio PISI Portfolio: an investment of 1$, since January 1975, now would be worth 70.86$, with a total return of 6985.83% (8.83% 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 1975 - 30 April 2025 (~50 years)
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Simple Money Portfolio PISI Portfolio
Author Tim Maurer Davide Pisicchio
ASSET ALLOCATION
Stocks 60% 30%
Fixed Income 40% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 9.87 13.43
Infl. Adjusted Return (%) 7.64 11.12
DRAWDOWN
Deepest Drawdown Depth (%) -3.22 -2.47
Start to Recovery (months) 7* 3
Longest Drawdown Depth (%) -3.22 -2.47
Start to Recovery (months) 7* 3
Longest Negative Period (months) 7* 3
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.78 5.74
Sharpe Ratio 0.65 1.50
Sortino Ratio 0.87 1.81
Ulcer Index 1.32 0.85
Ratio: Return / Standard Deviation 1.27 2.34
Ratio: Return / Deepest Drawdown 3.07 5.44
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Simple Money Portfolio PISI Portfolio
Author Tim Maurer Davide Pisicchio
ASSET ALLOCATION
Stocks 60% 30%
Fixed Income 40% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 7.23 4.68
Infl. Adjusted Return (%) 2.58 0.14
DRAWDOWN
Deepest Drawdown Depth (%) -18.44 -18.36
Start to Recovery (months) 31 31
Longest Drawdown Depth (%) -18.44 -18.36
Start to Recovery (months) 31 31
Longest Negative Period (months) 35 41
RISK INDICATORS
Standard Deviation (%) 10.63 8.97
Sharpe Ratio 0.44 0.24
Sortino Ratio 0.62 0.32
Ulcer Index 5.91 7.36
Ratio: Return / Standard Deviation 0.68 0.52
Ratio: Return / Deepest Drawdown 0.39 0.26
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Simple Money Portfolio PISI Portfolio
Author Tim Maurer Davide Pisicchio
ASSET ALLOCATION
Stocks 60% 30%
Fixed Income 40% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 5.06 5.43
Infl. Adjusted Return (%) 1.92 2.29
DRAWDOWN
Deepest Drawdown Depth (%) -18.44 -18.36
Start to Recovery (months) 31 31
Longest Drawdown Depth (%) -18.44 -18.36
Start to Recovery (months) 31 31
Longest Negative Period (months) 35 41
RISK INDICATORS
Standard Deviation (%) 9.65 7.30
Sharpe Ratio 0.34 0.50
Sortino Ratio 0.46 0.69
Ulcer Index 4.99 5.33
Ratio: Return / Standard Deviation 0.52 0.74
Ratio: Return / Deepest Drawdown 0.27 0.30
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Simple Money Portfolio PISI Portfolio
Author Tim Maurer Davide Pisicchio
ASSET ALLOCATION
Stocks 60% 30%
Fixed Income 40% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 7.21 7.26
Infl. Adjusted Return (%) 4.58 4.63
DRAWDOWN
Deepest Drawdown Depth (%) -32.39 -18.36
Start to Recovery (months) 36 31
Longest Drawdown Depth (%) -32.39 -18.36
Start to Recovery (months) 36 31
Longest Negative Period (months) 52 41
RISK INDICATORS
Standard Deviation (%) 9.16 6.50
Sharpe Ratio 0.54 0.77
Sortino Ratio 0.71 1.04
Ulcer Index 5.67 3.47
Ratio: Return / Standard Deviation 0.79 1.12
Ratio: Return / Deepest Drawdown 0.22 0.40
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Simple Money Portfolio PISI Portfolio
Author Tim Maurer Davide Pisicchio
ASSET ALLOCATION
Stocks 60% 30%
Fixed Income 40% 60%
Commodities 0% 10%
PERFORMANCES
Annualized Return (%) 10.21 8.83
Infl. Adjusted Return (%) 6.30 4.97
DRAWDOWN
Deepest Drawdown Depth (%) -32.39 -18.36
Start to Recovery (months) 36 31
Longest Drawdown Depth (%) -32.39 -18.36
Start to Recovery (months) 36 31
Longest Negative Period (months) 52 41
RISK INDICATORS
Standard Deviation (%) 9.75 7.45
Sharpe Ratio 0.61 0.61
Sortino Ratio 0.83 0.87
Ulcer Index 4.86 3.15
Ratio: Return / Standard Deviation 1.05 1.19
Ratio: Return / Deepest Drawdown 0.32 0.48
Metrics calculated over the period 1 January 1975 - 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 1975 - 30 April 2025 (~50 years)

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Simple Money Portfolio PISI Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-32.39 36 Nov 2007
Oct 2010
-18.44 31 Sep 2021
Mar 2024
-18.36 31 Jan 2022
Jul 2024
-14.55 11 Jan 2020
Nov 2020
-11.84 18 Mar 2008
Aug 2009
-11.27 11 May 2011
Mar 2012
-9.50 8 May 1998
Dec 1998
-8.98 12 Jun 2002
May 2003
-8.67 10 Sep 2018
Jun 2019
-6.83 14 Feb 2001
Mar 2002
-6.66 14 Jun 2015
Jul 2016
-5.80 6 Apr 2012
Sep 2012
-4.45 6 May 2013
Oct 2013
-4.39 9 Aug 2016
Apr 2017
-4.30 3 Jul 1998
Sep 1998

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Simple Money Portfolio PISI Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-32.39 36 Nov 2007
Oct 2010
-18.44 31 Sep 2021
Mar 2024
-18.36 31 Jan 2022
Jul 2024
-17.06 13 Sep 1987
Sep 1988
-14.55 11 Jan 2020
Nov 2020
-11.99 14 Jan 1990
Feb 1991
-11.84 18 Mar 2008
Aug 2009
-11.27 11 May 2011
Mar 2012
-11.04 12 Dec 1980
Nov 1981
-10.38 4 Feb 1980
May 1980
-10.06 4 Feb 1980
May 1980
-9.50 8 May 1998
Dec 1998
-8.98 12 Jun 2002
May 2003
-8.72 13 Sep 1987
Sep 1988
-8.67 10 Sep 2018
Jun 2019

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 1975 - 30 April 2025 (~50 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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Simple Money Portfolio PISI Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.96 -0.67 3.55 -0.60
2024
 6.04 -3.22 9.58 -2.89
2023
 11.53 -7.51 11.85 -6.31
2022
 -11.48 -18.42 -15.32 -18.36
2021
 10.46 -2.79 5.44 -2.73
2020
 6.87 -14.55 14.89 -3.27
2019
 16.14 -3.66 16.74 -0.45
2018
 -6.64 -8.67 -1.64 -3.17
2017
 13.36 -0.06 9.63 -0.31
2016
 8.15 -3.04 5.77 -4.39
2015
 0.47 -5.71 -0.33 -3.27
2014
 2.33 -3.17 8.90 -1.94
2013
 17.81 -2.16 3.96 -4.45
2012
 11.70 -5.80 8.48 -1.19
2011
 -0.69 -11.27 10.04 -2.16
2010
 12.55 -7.06 13.77 -0.81
2009
 17.16 -14.10 8.62 -7.60
2008
 -18.42 -21.26 -1.41 -11.84
2007
 5.07 -3.51 10.22 -1.06
2006
 15.49 -2.64 8.64 -1.66
2005
 8.71 -2.47 5.11 -1.64
2004
 16.23 -3.15 6.93 -4.06
2003
 28.83 -2.44 14.77 -2.33
2002
 -0.10 -8.98 5.17 -2.10
2001
 -0.39 -6.83 0.43 -3.41
2000
 6.34 -2.93 5.99 -3.34
1999
 8.40 -3.42 3.16 -3.71
1998
 10.11 -9.50 15.05 -4.30
1997
 8.93 -2.66 14.04 -2.79
1996
 8.40 -2.89 6.11 -3.11
1995
 20.10 -0.83 25.75 0.00
1994
 -1.91 -6.44 -4.28 -6.99
1993
 18.40 -1.79 12.70 -1.83
1992
 9.26 -1.70 6.47 -2.97
1991
 19.48 -3.59 20.24 -1.61
1990
 -6.46 -11.99 2.41 -5.27
1989
 18.70 -1.68 18.47 -1.50
1988
 17.54 -1.71 8.03 -2.27
1987
 9.10 -17.06 2.16 -8.72
1986
 29.42 -4.06 18.59 -3.19
1985
 35.92 -1.27 27.30 -2.04
1984
 8.33 -6.36 7.81 -6.79
1983
 19.04 -2.19 7.23 -3.18
1982
 20.34 -5.31 31.34 -3.03
1981
 5.26 -7.35 -1.57 -10.67
1980
 16.99 -10.06 10.78 -10.38
1979
 12.42 -7.65 20.62 -6.61
1978
 14.64 -7.08 5.90 -4.15
1977
 8.65 -2.11 1.83 -3.39
1976
 18.42 -2.41 17.10 -1.29
1975
 27.95 -7.97 13.29 -6.23
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Mastering ETF Investing
Build wealth
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