US Stocks Portfolio vs Emerging Markets Stocks Portfolio vs Developed World ex-US Stocks Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - March 2026 (~50 years)
Consolidated Returns as of 31 March 2026
Initial Amount: 1$
Currency: USD
Inflation: US
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Results
30 Years
(1996/04 - 2026/03)
All Data
(1976/01 - 2026/03)
Inflation Adjusted:
US Stocks Portfolio
1.00$
Invested Capital
April 1996
17.05$
Final Capital
March 2026
9.92%
Yearly Return
15.67%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
April 1996
8.10$
Final Capital
March 2026
7.22%
Yearly Return
15.67%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1976
269.61$
Final Capital
March 2026
11.78%
Yearly Return
15.29%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
January 1976
45.77$
Final Capital
March 2026
7.91%
Yearly Return
15.29%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
Emerging Markets Stocks Portfolio
1.00$
Invested Capital
April 1996
5.71$
Final Capital
March 2026
5.98%
Yearly Return
22.11%
Std Deviation
-60.44%
Max Drawdown
120months
Recovery Period
1.00$
Invested Capital
April 1996
2.71$
Final Capital
March 2026
3.38%
Yearly Return
22.11%
Std Deviation
-61.09%
Max Drawdown
159months
Recovery Period
1.00$
Invested Capital
January 1976
46.51$
Final Capital
March 2026
7.94%
Yearly Return
23.68%
Std Deviation
-60.44%
Max Drawdown
120months
Recovery Period
1.00$
Invested Capital
January 1976
7.90$
Final Capital
March 2026
4.20%
Yearly Return
23.68%
Std Deviation
-62.18%
Max Drawdown
131months
Recovery Period
Developed World ex-US Stocks Portfolio
1.00$
Invested Capital
April 1996
5.60$
Final Capital
March 2026
5.91%
Yearly Return
16.59%
Std Deviation
-57.00%
Max Drawdown
79months
Recovery Period
1.00$
Invested Capital
April 1996
2.66$
Final Capital
March 2026
3.31%
Yearly Return
16.59%
Std Deviation
-57.71%
Max Drawdown
123months
Recovery Period
1.00$
Invested Capital
January 1976
73.76$
Final Capital
March 2026
8.94%
Yearly Return
16.86%
Std Deviation
-57.00%
Max Drawdown
79months
Recovery Period
1.00$
Invested Capital
January 1976
12.52$
Final Capital
March 2026
5.16%
Yearly Return
16.86%
Std Deviation
-57.71%
Max Drawdown
123months
Recovery Period

As of March 2026, in the previous 30 Years, the US Stocks Portfolio obtained a 9.92% compound annual return, with a 15.67% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 months to be recovered.

As of March 2026, in the previous 30 Years, the Emerging Markets Stocks Portfolio obtained a 5.98% compound annual return, with a 22.11% standard deviation. It suffered a maximum drawdown of -60.44% that required 120 months to be recovered.

As of March 2026, in the previous 30 Years, the Developed World ex-US Stocks Portfolio obtained a 5.91% compound annual return, with a 16.59% standard deviation. It suffered a maximum drawdown of -57.00% that required 79 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.

US Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market
Emerging Markets Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
EEM
iShares MSCI Emerging Markets
Developed World ex-US Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VEA
Vanguard FTSE Developed Markets
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Portfolio Returns as of Mar 31, 2026

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1996/04 - 2026/03)
All Data
(1976/01 - 2026/03)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 17.05 $ 1 605.40% 9.92%
Emerging Markets Stocks
 1 $ 5.71 $ 470.77% 5.98%
Developed World ex-US Stocks
 1 $ 5.60 $ 460.21% 5.91%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 8.10 $ 709.63% 7.22%
Emerging Markets Stocks
 1 $ 2.71 $ 170.97% 3.38%
Developed World ex-US Stocks
 1 $ 2.66 $ 165.96% 3.31%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 269.61 $ 26 860.52% 11.78%
Emerging Markets Stocks
 1 $ 46.51 $ 4 551.33% 7.94%
Developed World ex-US Stocks
 1 $ 73.76 $ 7 276.39% 8.94%
Jan 1976 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks
 1 $ 45.77 $ 4 476.51% 7.91%
Emerging Markets Stocks
 1 $ 7.90 $ 689.56% 4.20%
Developed World ex-US Stocks
 1 $ 12.52 $ 1 152.13% 5.16%
Jan 1976 Mar 2026

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Return (%) as of Mar 31, 2026
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~50Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks
-- Market Benchmark 		-4.01 -5.00 -1.66 18.11 10.74 13.67 9.92 11.78
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp Emerging Markets Stocks
-- Market Benchmark 		3.80 -9.25 7.87 33.09 3.66 7.55 5.98 7.94
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp Developed World ex-US Stocks
-- Market Benchmark 		2.75 -8.61 8.94 30.06 8.85 9.25 5.91 8.94
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 1976 - 31 March 2026 (~50 years)
1 Year
5 Years
10 Years
30 Years
All (1976/01 - 2026/03)
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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Author
ASSET ALLOCATION
Stocks 100% 100% 100%
Fixed Income 0% 0% 0%
Commodities 0% 0% 0%
PERFORMANCES
Annualized Return (%) 18.11 33.09 30.06
Infl. Adjusted (%) 15.28 29.90 26.94
DRAWDOWN
Deepest Drawdown Depth (%) -5.51 -9.25 -8.61
Start to Recovery (months) 2* 1* 1*
Longest Drawdown Depth (%) -5.51 -1.77 -1.39
Start to Recovery (months) 2* 2 2
Longest Negative Period (months) 6* 2* 2*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.84 15.88 13.42
Sharpe Ratio 1.43 1.83 1.94
Sortino Ratio 1.93 2.26 2.25
Ulcer Index 1.55 2.61 2.42
Ratio: Return / Standard Deviation 1.84 2.08 2.24
Ratio: Return / Deepest Drawdown 3.29 3.58 3.49
Metrics calculated over the period 1 April 2025 - 31 March 2026
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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Author
ASSET ALLOCATION
Stocks 100% 100% 100%
Fixed Income 0% 0% 0%
Commodities 0% 0% 0%
PERFORMANCES
Annualized Return (%) 10.74 3.66 8.85
Infl. Adjusted (%) 6.14 -0.65 4.33
DRAWDOWN
Deepest Drawdown Depth (%) -24.81 -36.52 -28.08
Start to Recovery (months) 24 51 30
Longest Drawdown Depth (%) -24.81 -36.52 -28.08
Start to Recovery (months) 24 51 30
Longest Negative Period (months) 30 51 32
RISK INDICATORS
Standard Deviation (%) 15.40 16.46 15.79
Sharpe Ratio 0.48 0.02 0.35
Sortino Ratio 0.65 0.03 0.48
Ulcer Index 8.63 18.56 8.50
Ratio: Return / Standard Deviation 0.70 0.22 0.56
Ratio: Return / Deepest Drawdown 0.43 0.10 0.32
Metrics calculated over the period 1 April 2021 - 31 March 2026
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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Author
ASSET ALLOCATION
Stocks 100% 100% 100%
Fixed Income 0% 0% 0%
Commodities 0% 0% 0%
PERFORMANCES
Annualized Return (%) 13.67 7.55 9.25
Infl. Adjusted (%) 10.10 4.17 5.82
DRAWDOWN
Deepest Drawdown Depth (%) -24.81 -36.52 -28.08
Start to Recovery (months) 24 51 30
Longest Drawdown Depth (%) -24.81 -36.52 -24.14
Start to Recovery (months) 24 51 34
Longest Negative Period (months) 30 85 62
RISK INDICATORS
Standard Deviation (%) 15.38 16.58 15.30
Sharpe Ratio 0.75 0.33 0.47
Sortino Ratio 0.99 0.45 0.62
Ulcer Index 6.88 15.52 8.11
Ratio: Return / Standard Deviation 0.89 0.46 0.60
Ratio: Return / Deepest Drawdown 0.55 0.21 0.33
Metrics calculated over the period 1 April 2016 - 31 March 2026
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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Author
ASSET ALLOCATION
Stocks 100% 100% 100%
Fixed Income 0% 0% 0%
Commodities 0% 0% 0%
PERFORMANCES
Annualized Return (%) 9.92 5.98 5.91
Infl. Adjusted (%) 7.22 3.38 3.31
DRAWDOWN
Deepest Drawdown Depth (%) -50.84 -60.44 -57.00
Start to Recovery (months) 53 120 79
Longest Drawdown Depth (%) -43.94 -60.44 -57.00
Start to Recovery (months) 67 120 79
Longest Negative Period (months) 139 195 150
RISK INDICATORS
Standard Deviation (%) 15.67 22.11 16.59
Sharpe Ratio 0.49 0.17 0.22
Sortino Ratio 0.64 0.23 0.29
Ulcer Index 14.32 21.50 18.39
Ratio: Return / Standard Deviation 0.63 0.27 0.36
Ratio: Return / Deepest Drawdown 0.20 0.10 0.10
Metrics calculated over the period 1 April 1996 - 31 March 2026
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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Author
ASSET ALLOCATION
Stocks 100% 100% 100%
Fixed Income 0% 0% 0%
Commodities 0% 0% 0%
PERFORMANCES
Annualized Return (%) 11.78 7.94 8.94
Infl. Adjusted (%) 7.91 4.20 5.16
DRAWDOWN
Deepest Drawdown Depth (%) -50.84 -60.44 -57.00
Start to Recovery (months) 53 120 79
Longest Drawdown Depth (%) -43.94 -54.22 -57.00
Start to Recovery (months) 67 120 79
Longest Negative Period (months) 139 195 170
RISK INDICATORS
Standard Deviation (%) 15.29 23.68 16.86
Sharpe Ratio 0.49 0.16 0.28
Sortino Ratio 0.65 0.22 0.38
Ulcer Index 11.80 22.46 15.76
Ratio: Return / Standard Deviation 0.77 0.34 0.53
Ratio: Return / Deepest Drawdown 0.23 0.13 0.16
Metrics calculated over the period 1 January 1976 - 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 1976 - 31 March 2026 (~50 years)
30 Years
(1996/04 - 2026/03)

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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-60.44 120 Nov 2007
Oct 2017
-57.00 79 Nov 2007
May 2014
-53.99 78 Aug 1997
Jan 2004
-50.84 53 Nov 2007
Mar 2012
-48.19 69 Jan 2000
Sep 2005
-43.94 67 Sep 2000
Mar 2006
-36.52 51 Jul 2021
Sep 2025
-29.69 34 Feb 2018
Nov 2020
-28.08 30 Sep 2021
Feb 2024
-24.81 24 Jan 2022
Dec 2023
-24.14 34 Feb 2018
Nov 2020
-20.84 7 Jan 2020
Jul 2020
-17.94 34 Jul 2014
Apr 2017
-17.57 5 Jul 1998
Nov 1998
-14.47 7 Jun 1998
Dec 1998

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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-60.44 120 Nov 2007
Oct 2017
-57.00 79 Nov 2007
May 2014
-55.33 31 Mar 1987
Sep 1989
-55.05 66 Dec 1980
May 1986
-54.22 120 Feb 1994
Jan 2004
-50.84 53 Nov 2007
Mar 2012
-48.19 69 Jan 2000
Sep 2005
-43.94 67 Sep 2000
Mar 2006
-36.52 51 Jul 2021
Sep 2025
-34.47 7 Aug 1990
Feb 1991
-31.21 49 Jan 1990
Jan 1994
-29.69 34 Feb 2018
Nov 2020
-29.34 21 Sep 1987
May 1989
-28.08 30 Sep 2021
Feb 2024
-27.77 28 Dec 1980
Mar 1983

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 1976 - 31 March 2026 (~50 years)



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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US Stocks Emerging Markets Stocks Developed World ex-US Stocks
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 -4.01 -5.51 3.80 -9.25 2.75 -8.61
2025
 17.10 -8.31 33.98 -1.77 35.17 -1.39
2024
 23.81 -4.34 6.49 -7.27 3.15 -8.09
2023
 26.05 -9.11 8.95 -12.51 17.94 -10.71
2022
 -19.51 -24.81 -20.56 -29.40 -15.36 -27.52
2021
 25.67 -4.46 -3.61 -11.44 11.67 -4.89
2020
 21.03 -20.84 17.03 -23.94 9.74 -23.99
2019
 30.67 -6.45 18.20 -7.82 22.62 -5.21
2018
 -5.21 -14.20 -15.31 -22.75 -14.75 -18.62
2017
 21.21 0.00 37.28 -0.39 26.42 0.00
2016
 12.83 -5.73 10.87 -5.81 2.67 -8.44
2015
 0.36 -8.84 -16.18 -23.20 -0.38 -12.39
2014
 12.54 -3.17 -3.93 -11.58 -5.98 -10.04
2013
 33.45 -3.03 -3.69 -13.17 21.83 -5.66
2012
 16.45 -6.82 19.10 -14.96 18.56 -13.28
2011
 0.97 -17.58 -18.82 -29.09 -12.30 -23.95
2010
 17.42 -13.26 16.51 -10.81 8.35 -15.54
2009
 28.89 -17.72 68.93 -14.98 27.49 -22.68
2008
 -36.98 -38.08 -48.88 -53.98 -40.65 -45.54
2007
 5.37 -5.23 33.31 -8.97 11.15 -6.29
2006
 15.69 -3.22 31.19 -11.14 26.27 -3.73
2005
 6.31 -4.48 32.62 -9.06 13.60 -4.72
2004
 12.79 -3.56 24.63 -11.25 20.25 -3.59
2003
 30.75 -4.27 57.65 -5.76 38.67 -8.24
2002
 -20.47 -27.18 -7.43 -24.27 -15.62 -23.19
2001
 -10.97 -23.65 -2.88 -30.79 -21.94 -26.63
2000
 -10.57 -15.87 -27.56 -31.63 -14.29 -17.14
1999
 23.81 -6.42 61.57 -4.87 37.96 -4.28
1998
 23.26 -17.57 -18.12 -40.98 16.51 -14.47
1997
 30.99 -4.56 -16.82 -27.85 -1.39 -11.23
1996
 20.96 -6.17 15.83 -6.73 4.68 -4.13
1995
 35.79 -1.17 0.56 -11.22 3.98 -8.89
1994
 -0.17 -7.43 -20.17 -25.83 9.76 -5.55
1993
 10.62 -2.77 100.42 -5.91 29.92 -10.94
1992
 9.11 -2.40 -10.90 -23.01 -14.79 -15.85
1991
 32.39 -4.47 111.70 -7.61 9.48 -9.97
1990
 -6.08 -16.20 -1.92 -34.47 -24.79 -31.21
1989
 28.12 -3.05 98.20 -6.54 12.85 -7.94
1988
 17.32 -3.42 36.81 -6.67 25.66 -9.43
1987
 2.61 -29.34 -46.69 -55.33 30.48 -13.46
1986
 14.57 -7.92 11.58 -9.07 63.38 -8.70
1985
 31.27 -4.77 27.58 -4.87 56.04 -1.19
1984
 2.19 -9.02 16.85 -4.31 7.32 -6.40
1983
 22.66 -4.00 14.20 -3.85 23.61 -3.06
1982
 20.50 -11.21 -31.65 -40.30 -1.94 -22.97
1981
 -4.15 -12.79 -20.21 -22.51 -2.36 -10.87
1980
 33.15 -11.98 6.80 -13.68 22.48 -11.03
1979
 24.25 -7.22 19.35 -6.39 4.69 -8.91
1978
 8.45 -11.64 14.19 -7.84 32.52 -5.86
1977
 -3.36 -8.29 6.78 -3.89 17.99 -2.80
1976
 26.47 -2.10 6.79 -7.97 2.46 -11.28
Mastering ETF Investing
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