Tim Maurer Simple Money Portfolio vs Roger Gibson Talmud 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
Roger Gibson Talmud Portfolio
1.00$
Initial Capital
May 1995
11.45$
Final Capital
April 2025
8.47%
Yearly Return
10.94%
Std Deviation
-40.17%
Max Drawdown
41months
Recovery Period
1.00$
Initial Capital
May 1995
5.44$
Final Capital
April 2025
5.81%
Yearly Return
10.94%
Std Deviation
-42.21%
Max Drawdown
49months
Recovery Period
1.00$
Initial Capital
January 1975
153.93$
Final Capital
April 2025
10.52%
Yearly Return
10.50%
Std Deviation
-40.17%
Max Drawdown
41months
Recovery Period
1.00$
Initial Capital
January 1975
24.99$
Final Capital
April 2025
6.60%
Yearly Return
10.50%
Std Deviation
-42.21%
Max Drawdown
49months
Recovery Period

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 Roger Gibson Talmud Portfolio obtained a 8.47% compound annual return, with a 10.94% standard deviation. It suffered a maximum drawdown of -40.17% that required 41 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
Roger Gibson Talmud Portfolio
Weight
(%)		 Ticker Name
33.34
VTI
Vanguard Total Stock Market
33.33
VNQ
Vanguard Real Estate
33.33
BND
Vanguard Total Bond Market
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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_roger_gibson.webp Talmud Portfolio
Roger Gibson 		-0.72 -0.93 -1.15 11.83 7.35 6.37 8.47 10.52
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).

Roger Gibson Talmud Portfolio: an investment of 1$, since May 1995, now would be worth 11.45$, with a total return of 1045.13% (8.47% 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).

Roger Gibson Talmud Portfolio: an investment of 1$, since January 1975, now would be worth 153.93$, with a total return of 15292.58% (10.52% 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 Talmud Portfolio
Author Tim Maurer Roger Gibson
ASSET ALLOCATION
Stocks 60% 66.67%
Fixed Income 40% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.87 11.83
Infl. Adjusted Return (%) 7.64 9.56
DRAWDOWN
Deepest Drawdown Depth (%) -3.22 -5.09
Start to Recovery (months) 7* 5*
Longest Drawdown Depth (%) -3.22 -5.09
Start to Recovery (months) 7* 5*
Longest Negative Period (months) 7* 8*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 7.78 9.47
Sharpe Ratio 0.65 0.74
Sortino Ratio 0.87 0.94
Ulcer Index 1.32 2.43
Ratio: Return / Standard Deviation 1.27 1.25
Ratio: Return / Deepest Drawdown 3.07 2.32
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Simple Money Portfolio Talmud Portfolio
Author Tim Maurer Roger Gibson
ASSET ALLOCATION
Stocks 60% 66.67%
Fixed Income 40% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.23 7.35
Infl. Adjusted Return (%) 2.58 2.70
DRAWDOWN
Deepest Drawdown Depth (%) -18.44 -22.88
Start to Recovery (months) 31 32
Longest Drawdown Depth (%) -18.44 -22.88
Start to Recovery (months) 31 32
Longest Negative Period (months) 35 35
RISK INDICATORS
Standard Deviation (%) 10.63 12.94
Sharpe Ratio 0.44 0.37
Sortino Ratio 0.62 0.50
Ulcer Index 5.91 9.89
Ratio: Return / Standard Deviation 0.68 0.57
Ratio: Return / Deepest Drawdown 0.39 0.32
Metrics calculated over the period 1 May 2020 - 30 April 2025
Swipe left to see all data
Simple Money Portfolio Talmud Portfolio
Author Tim Maurer Roger Gibson
ASSET ALLOCATION
Stocks 60% 66.67%
Fixed Income 40% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.06 6.37
Infl. Adjusted Return (%) 1.92 3.20
DRAWDOWN
Deepest Drawdown Depth (%) -18.44 -22.88
Start to Recovery (months) 31 32
Longest Drawdown Depth (%) -18.44 -22.88
Start to Recovery (months) 31 32
Longest Negative Period (months) 35 35
RISK INDICATORS
Standard Deviation (%) 9.65 11.59
Sharpe Ratio 0.34 0.40
Sortino Ratio 0.46 0.53
Ulcer Index 4.99 7.39
Ratio: Return / Standard Deviation 0.52 0.55
Ratio: Return / Deepest Drawdown 0.27 0.28
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Simple Money Portfolio Talmud Portfolio
Author Tim Maurer Roger Gibson
ASSET ALLOCATION
Stocks 60% 66.67%
Fixed Income 40% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.21 8.47
Infl. Adjusted Return (%) 4.58 5.81
DRAWDOWN
Deepest Drawdown Depth (%) -32.39 -40.17
Start to Recovery (months) 36 41
Longest Drawdown Depth (%) -32.39 -40.17
Start to Recovery (months) 36 41
Longest Negative Period (months) 52 65
RISK INDICATORS
Standard Deviation (%) 9.16 10.94
Sharpe Ratio 0.54 0.57
Sortino Ratio 0.71 0.73
Ulcer Index 5.67 7.45
Ratio: Return / Standard Deviation 0.79 0.77
Ratio: Return / Deepest Drawdown 0.22 0.21
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Simple Money Portfolio Talmud Portfolio
Author Tim Maurer Roger Gibson
ASSET ALLOCATION
Stocks 60% 66.67%
Fixed Income 40% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.21 10.52
Infl. Adjusted Return (%) 6.30 6.60
DRAWDOWN
Deepest Drawdown Depth (%) -32.39 -40.17
Start to Recovery (months) 36 41
Longest Drawdown Depth (%) -32.39 -40.17
Start to Recovery (months) 36 41
Longest Negative Period (months) 52 65
RISK INDICATORS
Standard Deviation (%) 9.75 10.50
Sharpe Ratio 0.61 0.60
Sortino Ratio 0.83 0.78
Ulcer Index 4.86 6.09
Ratio: Return / Standard Deviation 1.05 1.00
Ratio: Return / Deepest Drawdown 0.32 0.26
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 Talmud Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-40.17 41 Jun 2007
Oct 2010
-32.39 36 Nov 2007
Oct 2010
-22.88 32 Jan 2022
Aug 2024
-18.44 31 Sep 2021
Mar 2024
-15.16 7 Feb 2020
Aug 2020
-14.55 11 Jan 2020
Nov 2020
-11.27 11 May 2011
Mar 2012
-10.50 8 Jun 2011
Jan 2012
-10.43 6 Jul 1998
Dec 1998
-9.50 8 May 1998
Dec 1998
-8.98 12 Jun 2002
May 2003
-8.67 10 Sep 2018
Jun 2019
-8.26 14 Apr 2002
May 2003
-7.57 6 Sep 2018
Feb 2019
-6.83 14 Feb 2001
Mar 2002

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Simple Money Portfolio Talmud Portfolio
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-40.17 41 Jun 2007
Oct 2010
-32.39 36 Nov 2007
Oct 2010
-22.88 32 Jan 2022
Aug 2024
-18.44 31 Sep 2021
Mar 2024
-17.06 13 Sep 1987
Sep 1988
-15.52 17 Sep 1987
Jan 1989
-15.16 7 Feb 2020
Aug 2020
-14.55 11 Jan 2020
Nov 2020
-11.99 14 Jan 1990
Feb 1991
-11.27 11 May 2011
Mar 2012
-10.50 8 Jun 2011
Jan 2012
-10.43 6 Jul 1998
Dec 1998
-10.14 7 Jul 1990
Jan 1991
-10.06 4 Feb 1980
May 1980
-9.71 5 Feb 1980
Jun 1980

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 Talmud Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.96 -0.67 -0.72 -3.70
2024
 6.04 -3.22 10.00 -4.87
2023
 11.53 -7.51 14.42 -9.16
2022
 -11.48 -18.42 -19.62 -22.88
2021
 10.46 -2.79 21.44 -3.93
2020
 6.87 -14.55 8.02 -15.16
2019
 16.14 -3.66 22.79 -1.65
2018
 -6.64 -8.67 -3.78 -7.57
2017
 13.36 -0.06 9.90 -0.80
2016
 8.15 -3.04 7.99 -4.84
2015
 0.47 -5.71 1.11 -5.69
2014
 2.33 -3.17 16.24 -3.05
2013
 17.81 -2.16 11.22 -4.74
2012
 11.70 -5.80 12.41 -3.41
2011
 -0.69 -11.27 5.83 -10.50
2010
 12.55 -7.06 17.33 -7.24
2009
 17.16 -14.10 20.87 -18.28
2008
 -18.42 -21.26 -22.37 -28.90
2007
 5.07 -3.51 -1.40 -7.11
2006
 15.49 -2.64 18.42 -3.01
2005
 8.71 -2.47 6.88 -3.47
2004
 16.23 -3.15 15.93 -6.69
2003
 28.83 -2.44 23.46 -1.81
2002
 -0.10 -8.98 -2.82 -8.26
2001
 -0.39 -6.83 3.27 -5.08
2000
 6.34 -2.93 9.05 -4.13
1999
 8.40 -3.42 6.34 -4.64
1998
 10.11 -9.50 5.18 -10.43
1997
 8.93 -2.66 19.74 -1.89
1996
 8.40 -2.89 19.46 -1.65
1995
 20.10 -0.83 22.03 -0.94
1994
 -1.91 -6.44 -3.74 -8.67
1993
 18.40 -1.79 13.33 -2.90
1992
 9.26 -1.70 10.28 -1.73
1991
 19.48 -3.59 27.78 -2.56
1990
 -6.46 -11.99 -4.26 -10.14
1989
 18.70 -1.68 16.87 -1.33
1988
 17.54 -1.71 12.71 -1.50
1987
 9.10 -17.06 0.17 -15.52
1986
 29.42 -4.06 16.28 -3.57
1985
 35.92 -1.27 24.20 -2.28
1984
 8.33 -6.36 12.71 -4.02
1983
 19.04 -2.19 19.51 -2.63
1982
 20.34 -5.31 24.41 -3.38
1981
 5.26 -7.35 3.76 -8.59
1980
 16.99 -10.06 20.13 -9.71
1979
 12.42 -7.65 21.82 -8.78
1978
 14.64 -7.08 6.65 -7.13
1977
 8.65 -2.11 6.70 -1.95
1976
 18.42 -2.41 29.26 -1.67
1975
 27.95 -7.97 21.49 -7.79
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