Total Bond US Portfolio vs US Stocks Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - August 2025 (~155 years)
Consolidated Returns as of 31 August 2025
Initial Amount: 1$
Currency: USD
Inflation: US
(Change Settings)
The minimum date range must be at least 12 months. 'Date To' cannot be beyond August 2025.
Cashflows Reset
Reset settings
Close
Results
30 Years
(1995/09 - 2025/08)
All Data
(1871/01 - 2025/08)
Inflation Adjusted:
Total Bond US Portfolio
1.00$
Invested Capital
September 1995
3.38$
Final Capital
August 2025
4.14%
Yearly Return
4.24%
Std Deviation
-17.28%
Max Drawdown
61months*
Recovery Period
* in progress
1.00$
Invested Capital
September 1995
1.60$
Final Capital
August 2025
1.57%
Yearly Return
4.24%
Std Deviation
-30.41%
Max Drawdown
61months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1871
893.98$
Final Capital
August 2025
4.49%
Yearly Return
4.36%
Std Deviation
-17.28%
Max Drawdown
61months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1871
34.49$
Final Capital
August 2025
2.32%
Yearly Return
4.36%
Std Deviation
-48.08%
Max Drawdown
165months
Recovery Period
US Stocks Portfolio
1.00$
Invested Capital
September 1995
19.16$
Final Capital
August 2025
10.34%
Yearly Return
15.65%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
September 1995
9.06$
Final Capital
August 2025
7.62%
Yearly Return
15.65%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1871
850.47 K$
Final Capital
August 2025
9.23%
Yearly Return
16.55%
Std Deviation
-84.60%
Max Drawdown
184months
Recovery Period
1.00$
Invested Capital
January 1871
32.81 K$
Final Capital
August 2025
6.95%
Yearly Return
16.55%
Std Deviation
-80.55%
Max Drawdown
90months
Recovery Period

As of August 2025, in the previous 30 Years, the Total Bond US Portfolio obtained a 4.14% compound annual return, with a 4.24% standard deviation. It suffered a maximum drawdown of -17.28% which has been ongoing for 61 months and is still in progress.

As of August 2025, in the previous 30 Years, the US Stocks Portfolio obtained a 10.34% compound annual return, with a 15.65% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 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.
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Set your goal
Use top metrics to evaluate
Join the passive investing strategy
Exclusive new asset allocations in EUR and USD
Buy now
English book
Buy now
Italian book

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Total Bond US Portfolio
Weight
(%)		 Ticker Name
100.00
BND
Vanguard Total Bond Market
US Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market
Test Your Asset Allocation
Evaluate your portfolio strategy in 7 different currencies
Try the Backtest Tool

Portfolio Returns as of Aug 31, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/09 - 2025/08)
All Data
(1871/01 - 2025/08)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Total Bond US
 1 $ 3.38 $ 237.84% 4.14%
US Stocks
 1 $ 19.16 $ 1 816.50% 10.34%
Sep 1995 Aug 2025

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Total Bond US
 1 $ 1.60 $ 59.70% 1.57%
US Stocks
 1 $ 9.06 $ 805.97% 7.62%
Sep 1995 Aug 2025

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Total Bond US
 1 $ 893.98 $ 89 298.37% 4.49%
US Stocks
 1 $ 850 468.74 $ 85 046 774.30% 9.23%
Jan 1871 Aug 2025

Loading data
Please wait
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Total Bond US
 1 $ 34.49 $ 3 348.96% 2.32%
US Stocks
 1 $ 32 810.84 $ 3 280 983.71% 6.95%
Jan 1871 Aug 2025

Loading data
Please wait
Swipe left to see all data
Return (%) as of Aug 31, 2025
YTD
(8M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~155Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Total Bond US
-- Market Benchmark 		4.97 1.15 2.14 3.08 -0.75 1.77 4.14 4.49
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks
-- Market Benchmark 		10.51 2.35 9.33 15.78 14.07 13.94 10.34 9.23
Returns over 1 year are annualized.
Explore All Lazy Portfolios
Tailored Portfolios for every Investment Strategy
Readings that may interest you

Portfolio Metrics as of Aug 31, 2025

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

METRIC COMPARISON
Period: 1 September 2024 - 31 August 2025 (1 year)
Period: 1 September 2020 - 31 August 2025 (5 years)
Period: 1 September 2015 - 31 August 2025 (10 years)
Period: 1 September 1995 - 31 August 2025 (30 years)
Period: 1 January 1871 - 31 August 2025 (~155 years)
1 Year
5 Years
10 Years
30 Years
All (1871/01 - 2025/08)
Swipe left to see all data
Total Bond US US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.08 15.78
Infl. Adjusted (%) 0.11 12.44
DRAWDOWN
Deepest Drawdown Depth (%) -3.07 -8.40
Start to Recovery (months) 7 7
Longest Drawdown Depth (%) -3.07 -8.40
Start to Recovery (months) 7 7
Longest Negative Period (months) 8 8
RISK INDICATORS
Standard Deviation (%) 4.50 12.76
Sharpe Ratio -0.30 0.89
Sortino Ratio -0.39 1.21
Ulcer Index 1.37 3.41
Ratio: Return / Standard Deviation 0.69 1.24
Ratio: Return / Deepest Drawdown 1.00 1.88
Metrics calculated over the period 1 September 2024 - 31 August 2025
Swipe left to see all data
Total Bond US US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) -0.75 14.07
Infl. Adjusted (%) -5.03 9.14
DRAWDOWN
Deepest Drawdown Depth (%) -17.08 -24.81
Start to Recovery (months) 56* 24
Longest Drawdown Depth (%) -17.08 -24.81
Start to Recovery (months) 56* 24
Longest Negative Period (months) 60* 30
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.33 16.18
Sharpe Ratio -0.56 0.69
Sortino Ratio -0.81 0.94
Ulcer Index 9.33 8.64
Ratio: Return / Standard Deviation -0.12 0.87
Ratio: Return / Deepest Drawdown -0.04 0.57
Metrics calculated over the period 1 September 2020 - 31 August 2025
Swipe left to see all data
Total Bond US US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.77 13.94
Infl. Adjusted (%) -1.30 10.50
DRAWDOWN
Deepest Drawdown Depth (%) -17.28 -24.81
Start to Recovery (months) 61* 24
Longest Drawdown Depth (%) -17.28 -24.81
Start to Recovery (months) 61* 24
Longest Negative Period (months) 90 30
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 5.14 15.73
Sharpe Ratio -0.02 0.77
Sortino Ratio -0.03 1.02
Ulcer Index 6.82 6.94
Ratio: Return / Standard Deviation 0.34 0.89
Ratio: Return / Deepest Drawdown 0.10 0.56
Metrics calculated over the period 1 September 2015 - 31 August 2025
Swipe left to see all data
Total Bond US US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.14 10.34
Infl. Adjusted (%) 1.57 7.62
DRAWDOWN
Deepest Drawdown Depth (%) -17.28 -50.84
Start to Recovery (months) 61* 53
Longest Drawdown Depth (%) -17.28 -43.94
Start to Recovery (months) 61* 67
Longest Negative Period (months) 90 139
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.24 15.65
Sharpe Ratio 0.44 0.52
Sortino Ratio 0.61 0.67
Ulcer Index 4.06 14.32
Ratio: Return / Standard Deviation 0.98 0.66
Ratio: Return / Deepest Drawdown 0.24 0.20
Metrics calculated over the period 1 September 1995 - 31 August 2025
Swipe left to see all data
Total Bond US US Stocks
Author
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.49 9.23
Infl. Adjusted (%) 2.32 6.95
DRAWDOWN
Deepest Drawdown Depth (%) -17.28 -84.60
Start to Recovery (months) 61* 184
Longest Drawdown Depth (%) -17.28 -84.60
Start to Recovery (months) 61* 184
Longest Negative Period (months) 90 188
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.36 16.55
Sharpe Ratio 0.11 0.32
Sortino Ratio 0.17 0.44
Ulcer Index 2.43 17.79
Ratio: Return / Standard Deviation 1.03 0.56
Ratio: Return / Deepest Drawdown 0.26 0.11
Metrics calculated over the period 1 January 1871 - 31 August 2025
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book

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 September 1995 - 31 August 2025 (30 years)
Period: 1 January 1871 - 31 August 2025 (~155 years)
30 Years
(1995/09 - 2025/08)

Loading data
Please wait
Swipe left to see all data
Total Bond US US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.84 53 Nov 2007
Mar 2012
-43.94 67 Sep 2000
Mar 2006
-24.81 24 Jan 2022
Dec 2023
-20.84 7 Jan 2020
Jul 2020
-17.57 5 Jul 1998
Nov 1998
-17.28 61* Aug 2020
In progress
-14.20 7 Oct 2018
Apr 2019
-8.84 12 Jun 2015
May 2016
-8.44 5 Apr 2000
Aug 2000
-8.40 7 Dec 2024
Jun 2025
-6.82 5 Apr 2012
Aug 2012
-6.45 2 May 2019
Jun 2019
-6.42 5 Jul 1999
Nov 1999
-6.17 4 Jun 1996
Sep 1996
-5.64 6 Feb 2018
Jul 2018

Loading data
Please wait
Swipe left to see all data
Total Bond US US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-84.60 184 Sep 1929
Dec 1944
-50.84 53 Nov 2007
Mar 2012
-45.86 48 Jan 1973
Dec 1976
-43.94 67 Sep 2000
Mar 2006
-34.11 35 Apr 1876
Feb 1879
-30.27 26 Oct 1906
Nov 1908
-30.06 28 Dec 1968
Mar 1971
-29.34 21 Sep 1987
May 1989
-27.16 26 Oct 1902
Nov 1904
-26.86 55 Feb 1893
Aug 1897
-24.81 24 Jan 2022
Dec 2023
-23.91 53 Jul 1881
Nov 1885
-23.13 30 Nov 1919
Apr 1922
-22.72 35 Nov 1912
Sep 1915
-22.67 16 Jan 1962
Apr 1963

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 - 31 August 2025 (~155 years)


Head To Head (Ptf 1 vs Ptf 2):
US Inflation Adjusted:

Loading data
Please wait

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.

Swipe left to see all data
Total Bond US US Stocks
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.97 -0.67 10.51 -8.31
2024
 1.38 -3.08 23.81 -4.34
2023
 5.41 -6.03 26.05 -9.11
2022
 -13.11 -15.50 -19.51 -24.81
2021
 -1.86 -3.64 25.67 -4.46
2020
 7.71 -1.59 21.03 -20.84
2019
 8.83 -0.57 30.67 -6.45
2018
 -0.12 -2.57 -5.21 -14.20
2017
 3.57 -0.60 21.21 0.00
2016
 2.52 -3.68 12.83 -5.73
2015
 0.56 -2.67 0.36 -8.84
2014
 5.82 -0.57 12.54 -3.17
2013
 -2.10 -4.01 33.45 -3.03
2012
 3.16 -0.88 16.45 -6.82
2011
 7.92 -0.38 0.97 -17.58
2010
 6.20 -1.70 17.42 -13.26
2009
 3.64 -2.65 28.89 -17.72
2008
 6.86 -3.88 -36.98 -38.08
2007
 6.92 -1.16 5.37 -5.23
2006
 4.27 -1.30 15.69 -3.22
2005
 2.40 -1.90 6.31 -4.48
2004
 4.24 -3.03 12.79 -3.56
2003
 3.97 -3.47 30.75 -4.27
2002
 8.26 -1.46 -20.47 -27.18
2001
 8.43 -1.91 -10.97 -23.65
2000
 11.39 -0.65 -10.57 -15.87
1999
 -0.76 -2.64 23.81 -6.42
1998
 8.58 -0.55 23.26 -17.57
1997
 9.44 -0.97 30.99 -4.56
1996
 3.58 -3.16 20.96 -6.17
1995
 18.18 -0.25 35.79 -1.17
1994
 -2.66 -5.01 -0.17 -7.43
1993
 9.68 -0.97 10.62 -2.77
1992
 7.14 -1.39 9.11 -2.40
1991
 15.25 -0.06 32.39 -4.47
1990
 8.65 -1.97 -6.08 -16.20
1989
 13.64 -1.60 28.12 -3.05
1988
 7.35 -2.64 17.32 -3.42
1987
 1.54 -5.86 2.61 -29.34
1986
 15.10 -2.05 14.57 -7.92
1985
 22.24 -2.00 31.27 -4.77
1984
 15.01 -4.66 2.19 -9.02
1983
 5.22 -3.80 22.66 -4.00
1982
 31.13 -1.93 20.50 -11.21
1981
 9.41 -3.80 -4.15 -12.79
1980
 2.88 -9.24 33.15 -11.98
1979
 5.35 -6.28 24.25 -7.22
1978
 1.15 -1.89 8.45 -11.64
1977
 1.04 -2.47 -3.36 -8.29
1976
 13.75 -1.18 26.47 -2.10
1975
 7.36 -2.79 37.82 -11.74
1974
 5.70 -3.75 -27.81 -34.15
1973
 4.47 -3.37 -18.18 -19.22
1972
 2.72 -1.31 17.62 -2.45
1971
 9.50 -7.91 17.63 -6.54
1970
 17.24 -5.95 4.79 -19.06
1969
 -2.12 -5.02 -10.28 -11.24
1968
 2.90 -4.78 13.39 -6.48
1967
 -0.53 -4.27 27.39 -4.70
1966
 4.97 -3.15 -8.73 -14.78
1965
 0.72 -1.64 14.20 -4.80
1964
 3.89 -0.04 16.40 -1.37
1963
 1.64 -0.38 21.15 -2.74
1962
 5.71 -0.50 -9.62 -22.67
1961
 1.32 -1.90 26.94 -2.62
1960
 13.04 -0.30 0.92 -8.00
1959
 -1.70 -3.66 12.78 -5.35
1958
 -2.81 -6.22 44.81 -1.59
1957
 8.57 -2.26 -9.93 -14.61
1956
 -1.55 -2.73 8.51 -7.23
1955
 -0.77 -1.93 25.72 -3.23
1954
 2.83 -0.97 50.59 -3.14
1953
 3.64 -2.98 0.66 -7.66
1952
 2.25 -1.66 13.62 -4.23
1951
 0.05 -2.58 20.75 -6.04
1950
 -0.12 -0.72 30.33 -5.29
1949
 4.38 -0.16 19.97 -4.32
1948
 2.60 -0.75 2.36 -10.99
1947
 -0.45 -2.67 3.84 -6.63
1946
 0.72 -1.65 -6.27 -20.85
1945
 5.13 -1.00 38.22 -4.09
1944
 2.27 0.00 21.23 -1.55
1943
 2.47 -0.05 27.90 -8.06
1942
 1.30 -0.49 16.72 -12.33
1941
 2.24 -1.81 -10.09 -12.94
1940
 4.30 -2.10 -7.16 -23.05
1939
 3.10 -4.92 2.33 -15.16
1938
 4.38 -0.49 28.38 -25.06
1937
 1.88 -2.31 -34.85 -38.63
1936
 4.52 -0.11 33.65 -7.38
1935
 3.91 -1.14 46.29 -10.15
1934
 7.29 -2.01 2.31 -18.75
1933
 2.99 -1.79 57.18 -18.12
1932
 12.27 -2.08 -8.65 -44.97
1931
 -2.07 -4.78 -44.12 -52.60
1930
 7.75 -0.13 -28.35 -39.08
1929
 4.25 -1.56 -11.30 -34.31
1928
 -0.93 -2.02 38.68 -4.13
1927
 5.30 -0.10 33.33 -4.30
1926
 4.71 0.00 11.46 -9.26
1925
 3.17 -0.35 25.78 -6.56
1924
 7.88 -0.13 27.03 -3.78
1923
 3.71 -0.08 5.38 -13.08
1922
 5.52 -0.75 29.04 -4.35
1921
 13.13 0.00 10.09 -9.26
1920
 0.21 -3.65 -14.01 -15.38
1919
 2.22 -0.74 19.62 -7.49
1918
 4.60 -1.27 18.16 -3.76
1917
 -1.69 -3.86 -18.65 -18.65
1916
 3.65 -0.88 8.05 -3.65
1915
 6.25 -0.73 31.16 -2.26
1914
 6.48 -0.09 -5.46 -20.24
1913
 3.87 -2.10 -4.77 -8.74
1912
 1.57 -0.39 7.12 -4.07
1911
 4.10 -0.98 3.47 -9.84
1910
 4.18 -0.25 -3.44 -11.27
1909
 1.45 -1.44 16.09 -2.75
1908
 11.41 -0.17 39.43 -3.59
1907
 -0.31 -4.13 -24.23 -28.45
1906
 0.73 -1.43 0.60 -9.63
1905
 0.66 -2.86 21.23 -5.27
1904
 5.83 -0.24 32.12 -2.23
1903
 2.16 -1.20 -17.14 -25.30
1902
 0.98 -4.62 8.21 -7.32
1901
 1.83 -1.18 19.40 -8.08
1900
 3.87 -1.78 20.75 -5.37
1899
 -0.40 -2.91 3.64 -8.88
1898
 4.67 -5.80 29.23 -4.56
1897
 5.85 -1.15 20.31 -5.49
1896
 4.07 -3.68 3.20 -12.04
1895
 0.04 -6.46 4.95 -9.39
1894
 6.09 -0.76 3.58 -5.55
1893
 4.74 -2.03 -18.85 -26.86
1892
 2.12 -1.18 6.08 -2.16
1891
 5.41 -3.16 18.83 -3.88
1890
 1.24 -2.39 -6.20 -13.89
1889
 2.49 -0.71 7.03 -2.45
1888
 5.49 -1.09 3.28 -3.34
1887
 1.47 -2.25 -0.70 -9.45
1886
 0.76 -1.61 11.92 -4.49
1885
 5.34 -0.60 29.98 -1.47
1884
 3.94 -2.60 -12.37 -13.99
1883
 4.31 -0.89 -5.53 -7.10
1882
 3.10 -1.35 3.58 -5.68
1881
 3.49 -2.35 0.18 -9.93
1880
 5.28 -2.00 26.50 -8.79
1879
 2.94 -1.57 49.29 -0.98
1878
 6.47 -0.62 16.25 -1.08
1877
 3.66 -1.67 -1.12 -19.66
1876
 7.19 -2.17 -14.18 -18.03
1875
 6.49 -3.41 5.35 -4.33
1874
 13.72 -2.38 4.67 -6.59
1873
 4.25 -5.87 -2.53 -15.75
1872
 1.82 -3.44 11.12 -3.07
1871
 2.78 -1.85 15.59 -4.38
Mastering Etf Investing
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
Buy now
English book
Buy now
Italian book