UK Stocks/Bonds 60/40 Portfolio vs All Country World 40/60 To GBP Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - March 2026 (~41 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1£
Rebalancing: at every Jan 1st
Currency: GBP
Inflation: UK
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond March 2026.
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Results
30 Years
(1996/04 - 2026/03)
All Data
(1985/01 - 2026/03)
Inflation Adjusted:
UK Stocks/Bonds 60/40 Portfolio
1.00£
Invested Capital
April 1996
6.57£
Final Capital
March 2026
6.47%
Yearly Return
8.82%
Std Deviation
-21.80%
Max Drawdown
29months
Recovery Period
1.00£
Invested Capital
April 1996
3.21£
Final Capital
March 2026
3.96%
Yearly Return
8.82%
Std Deviation
-24.85%
Max Drawdown
51months
Recovery Period
1.00£
Invested Capital
January 1985
18.75£
Final Capital
March 2026
7.36%
Yearly Return
10.20%
Std Deviation
-21.80%
Max Drawdown
29months
Recovery Period
1.00£
Invested Capital
January 1985
5.70£
Final Capital
March 2026
4.31%
Yearly Return
10.20%
Std Deviation
-24.85%
Max Drawdown
51months
Recovery Period
All Country World 40/60 To GBP Portfolio
1.00£
Invested Capital
April 1996
7.73£
Final Capital
March 2026
7.06%
Yearly Return
9.02%
Std Deviation
-16.76%
Max Drawdown
40months
Recovery Period
1.00£
Invested Capital
April 1996
3.77£
Final Capital
March 2026
4.53%
Yearly Return
9.02%
Std Deviation
-18.87%
Max Drawdown
59months
Recovery Period
1.00£
Invested Capital
January 1985
23.26£
Final Capital
March 2026
7.93%
Yearly Return
10.96%
Std Deviation
-24.34%
Max Drawdown
19months
Recovery Period
1.00£
Invested Capital
January 1985
7.07£
Final Capital
March 2026
4.86%
Yearly Return
10.96%
Std Deviation
-30.86%
Max Drawdown
39months
Recovery Period
This portfolio includes ETFs not denominated in GBP. Returns are calculated using exchange rates or, if applicable, interest rate differentials for currency hedging.

As of March 2026, in the previous 30 Years, the UK Stocks/Bonds 60/40 Portfolio obtained a 6.47% compound annual return, with a 8.82% standard deviation. It suffered a maximum drawdown of -21.80% that required 29 months to be recovered.

As of March 2026, in the previous 30 Years, the All Country World 40/60 To GBP Portfolio obtained a 7.06% compound annual return, with a 9.02% standard deviation. It suffered a maximum drawdown of -16.76% that required 40 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.

UK Stocks/Bonds 60/40 Portfolio
Weight
(%)		 Ticker Name
60.00
VUKG.L
Vanguard FTSE 100 UCITS Acc
40.00
IGLT.L
iShares Core UK Gilts UCITS GBP (Dist)
All Country World 40/60 To GBP Portfolio
Weight
(%)		 Ticker Name
40.00
SSAC.L
iShares MSCI ACWI UCITS (Acc)
30.00
SUAG.L
iShares US Aggregate Bond UCITS (Dist)
21.00
BNDX
Vanguard Total International Bond
9.00
EMB
iShares JP Morgan USD Em Mkts Bd
• Not denominated in GBP.
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Portfolio Returns as of Mar 31, 2026

Returns are calculated in GBP, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1996/04 - 2026/03)
All Data
(1985/01 - 2026/03)
Inflation Adjusted:
Swipe left to see all data
Initial Amount £ Final Amount £ Total Return (%) Annualized (%)
UK Stocks/Bonds 60/40
 1 £ 6.57 £ 556.78% 6.47%
All Country World 40/60 To GBP
 1 £ 7.73 £ 673.15% 7.06%
Apr 1996 Mar 2026

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Initial Amount £ Final Amount £ Total Return (%) Annualized (%)
UK Stocks/Bonds 60/40
 1 £ 3.21 £ 220.63% 3.96%
All Country World 40/60 To GBP
 1 £ 3.77 £ 277.44% 4.53%
Apr 1996 Mar 2026

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Initial Amount £ Final Amount £ Total Return (%) Annualized (%)
UK Stocks/Bonds 60/40
 1 £ 18.75 £ 1 775.18% 7.36%
All Country World 40/60 To GBP
 1 £ 23.26 £ 2 225.99% 7.93%
Jan 1985 Mar 2026

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Initial Amount £ Final Amount £ Total Return (%) Annualized (%)
UK Stocks/Bonds 60/40
 1 £ 5.70 £ 469.94% 4.31%
All Country World 40/60 To GBP
 1 £ 7.07 £ 606.96% 4.86%
Jan 1985 Mar 2026

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Return (%) as of Mar 31, 2026
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_uk_author.webp UK Stocks/Bonds 60/40
-- Market Benchmark 		1.23 -5.37 6.88 14.68 6.06 5.40 6.47 7.36
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 40/60
-- Market Benchmark 		0.04 -2.38 2.32 8.39 5.05 6.61 7.06 7.93
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 April 1996 - 31 March 2026 (30 years)
Period: 1 January 1985 - 31 March 2026 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2026/03)
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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 14.68 8.39
Infl. Adjusted (%) 11.74 5.62
DRAWDOWN
Deepest Drawdown Depth (%) -5.37 -2.76
Start to Recovery (months) 1* 4
Longest Drawdown Depth (%) -5.37 -2.53
Start to Recovery (months) 1* 4
Longest Negative Period (months) 2* 5*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.43 8.17
Sharpe Ratio 1.27 0.54
Sortino Ratio 1.58 0.80
Ulcer Index 1.49 1.39
Ratio: Return / Standard Deviation 1.74 1.03
Ratio: Return / Deepest Drawdown 2.73 3.04
Metrics calculated over the period 1 April 2025 - 31 March 2026
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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.06 5.05
Infl. Adjusted (%) 0.95 -0.01
DRAWDOWN
Deepest Drawdown Depth (%) -11.90 -7.98
Start to Recovery (months) 27 8
Longest Drawdown Depth (%) -11.90 -5.65
Start to Recovery (months) 27 25
Longest Negative Period (months) 30 26
RISK INDICATORS
Standard Deviation (%) 8.31 6.82
Sharpe Ratio 0.34 0.26
Sortino Ratio 0.45 0.39
Ulcer Index 3.44 2.93
Ratio: Return / Standard Deviation 0.73 0.74
Ratio: Return / Deepest Drawdown 0.51 0.63
Metrics calculated over the period 1 April 2021 - 31 March 2026
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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.40 6.61
Infl. Adjusted (%) 1.92 3.09
DRAWDOWN
Deepest Drawdown Depth (%) -11.91 -7.98
Start to Recovery (months) 18 8
Longest Drawdown Depth (%) -11.90 -5.65
Start to Recovery (months) 27 25
Longest Negative Period (months) 57 26
RISK INDICATORS
Standard Deviation (%) 8.29 7.71
Sharpe Ratio 0.39 0.58
Sortino Ratio 0.54 0.87
Ulcer Index 3.85 2.59
Ratio: Return / Standard Deviation 0.65 0.86
Ratio: Return / Deepest Drawdown 0.45 0.83
Metrics calculated over the period 1 April 2016 - 31 March 2026
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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.47 7.06
Infl. Adjusted (%) 3.96 4.53
DRAWDOWN
Deepest Drawdown Depth (%) -21.80 -16.76
Start to Recovery (months) 29 40
Longest Drawdown Depth (%) -19.96 -16.76
Start to Recovery (months) 52 40
Longest Negative Period (months) 64 56
RISK INDICATORS
Standard Deviation (%) 8.82 9.02
Sharpe Ratio 0.48 0.53
Sortino Ratio 0.64 0.76
Ulcer Index 5.59 3.90
Ratio: Return / Standard Deviation 0.73 0.78
Ratio: Return / Deepest Drawdown 0.30 0.42
Metrics calculated over the period 1 April 1996 - 31 March 2026
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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Author
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.36 7.93
Infl. Adjusted (%) 4.31 4.86
DRAWDOWN
Deepest Drawdown Depth (%) -21.80 -24.34
Start to Recovery (months) 29 19
Longest Drawdown Depth (%) -19.96 -16.76
Start to Recovery (months) 52 40
Longest Negative Period (months) 64 56
RISK INDICATORS
Standard Deviation (%) 10.20 10.96
Sharpe Ratio 0.41 0.43
Sortino Ratio 0.55 0.62
Ulcer Index 6.30 5.37
Ratio: Return / Standard Deviation 0.72 0.72
Ratio: Return / Deepest Drawdown 0.34 0.33
Metrics calculated over the period 1 January 1985 - 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 1996 - 31 March 2026 (30 years)
Period: 1 January 1985 - 31 March 2026 (~41 years)
30 Years
(1996/04 - 2026/03)

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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-21.80 29 Nov 2007
Mar 2010
-19.96 52 Sep 2000
Dec 2004
-16.76 40 Feb 2002
May 2005
-11.91 18 Jan 2020
Jun 2021
-11.90 27 Jan 2022
Mar 2024
-10.22 4 Aug 1998
Nov 1998
-8.65 7 May 1998
Nov 1998
-8.25 17 Sep 2000
Jan 2002
-7.98 8 Feb 2025
Sep 2025
-7.57 14 Apr 2006
May 2007
-7.53 8 Jan 2009
Aug 2009
-7.05 9 Aug 2018
Apr 2019
-6.99 11 Apr 2015
Feb 2016
-6.82 13 Jun 2015
Jun 2016
-6.46 5 Jan 2000
May 2000

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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-24.34 19 Dec 1989
Jun 1991
-22.38 20 Aug 1987
Mar 1989
-21.80 29 Nov 2007
Mar 2010
-19.96 52 Sep 2000
Dec 2004
-19.40 16 Oct 1987
Jan 1989
-17.41 19 Sep 1989
Mar 1991
-16.76 40 Feb 2002
May 2005
-16.42 24 Feb 1994
Jan 1996
-15.59 13 Mar 1985
Mar 1986
-12.71 10 Jun 1992
Mar 1993
-12.22 10 May 1986
Feb 1987
-11.91 18 Jan 2020
Jun 2021
-11.90 27 Jan 2022
Mar 2024
-10.22 4 Aug 1998
Nov 1998
-9.90 16 Feb 1994
May 1995

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 1985 - 31 March 2026 (~41 years)


Head To Head (Ptf 1 vs Ptf 2):
UK 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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UK Stocks/Bonds 60/40 All Country World 40/60 To GBP
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 1.23 -5.37 0.04 -2.38
2025
 18.37 -1.02 5.06 -7.98
2024
 4.33 -2.70 10.34 -1.70
2023
 5.79 -5.15 7.69 -1.58
2022
 -6.24 -11.90 -5.50 -5.51
2021
 8.35 -2.83 7.49 -2.56
2020
 -3.67 -11.91 6.34 -3.55
2019
 12.82 -1.75 12.15 -4.26
2018
 -5.25 -7.05 1.57 -4.83
2017
 8.13 -2.49 2.21 -3.28
2016
 15.25 -2.94 26.79 -3.29
2015
 -0.89 -6.82 4.32 -6.99
2014
 5.86 -1.98 12.59 -1.04
2013
 9.48 -4.36 5.70 -5.33
2012
 6.41 -3.66 5.63 -1.51
2011
 4.39 -5.53 2.21 -3.20
2010
 10.37 -5.99 13.77 -3.56
2009
 15.82 -9.06 7.51 -7.53
2008
 -11.93 -15.86 14.59 -5.95
2007
 4.70 -2.36 7.10 -3.70
2006
 8.37 -3.12 -1.84 -7.57
2005
 15.01 -4.69 19.88 -1.94
2004
 8.61 -3.82 2.78 -2.23
2003
 10.77 -4.93 7.72 -5.02
2002
 -8.48 -12.28 -11.53 -16.76
2001
 -6.34 -11.39 3.76 -7.64
2000
 3.57 -6.46 10.44 -6.26
1999
 7.91 -6.44 15.26 -5.50
1998
 20.05 -8.65 13.67 -10.22
1997
 20.45 -4.02 13.74 -5.51
1996
 24.72 -2.96 0.11 -4.07
1995
 13.30 -3.38 21.17 -1.99
1994
 -9.97 -16.42 -6.47 -9.90
1993
 29.00 -1.61 21.04 -8.22
1992
 9.53 -12.71 28.32 -9.38
1991
 13.94 -4.95 23.41 -5.40
1990
 -1.82 -10.14 -18.52 -23.11
1989
 7.53 -10.79 28.76 -3.56
1988
 11.98 -3.78 19.20 -7.46
1987
 18.18 -19.40 -15.66 -22.38
1986
 5.25 -12.22 22.45 -3.88
1985
 15.61 -3.70 4.98 -15.59
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