Vanguard LifeStrategy Growth Fund To EUR Portfolio vs Ray Dalio All Weather Portfolio To EUR Bond Hedged Portfolio Comparison

Simulation Settings
Period: January 1976 - June 2025 (~50 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond June 2025.
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1976/01 - 2025/06)
Inflation Adjusted:
Vanguard LifeStrategy Growth Fund To EUR Portfolio
1.00€
Invested Capital
July 1995
11.17€
Final Capital
June 2025
8.38%
Yearly Return
11.85%
Std Deviation
-41.28%
Max Drawdown
81months
Recovery Period
1.00€
Invested Capital
July 1995
6.10€
Final Capital
June 2025
6.22%
Yearly Return
11.85%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period
1.00€
Invested Capital
January 1976
92.91€
Final Capital
June 2025
9.59%
Yearly Return
12.26%
Std Deviation
-41.28%
Max Drawdown
81months
Recovery Period
1.00€
Invested Capital
January 1976
27.58€
Final Capital
June 2025
6.93%
Yearly Return
12.26%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period
Ray Dalio All Weather Portfolio To EUR Bond Hedged
1.00€
Invested Capital
July 1995
8.19€
Final Capital
June 2025
7.26%
Yearly Return
7.10%
Std Deviation
-18.77%
Max Drawdown
38months
Recovery Period
1.00€
Invested Capital
July 1995
4.48€
Final Capital
June 2025
5.12%
Yearly Return
7.10%
Std Deviation
-28.01%
Max Drawdown
42months*
Recovery Period
* in progress
1.00€
Invested Capital
January 1976
58.42€
Final Capital
June 2025
8.56%
Yearly Return
8.10%
Std Deviation
-18.77%
Max Drawdown
38months
Recovery Period
1.00€
Invested Capital
January 1976
17.34€
Final Capital
June 2025
5.93%
Yearly Return
8.10%
Std Deviation
-28.01%
Max Drawdown
42months*
Recovery Period
* in progress

As of June 2025, in the previous 30 Years, the Vanguard LifeStrategy Growth Fund To EUR Portfolio obtained a 8.38% compound annual return, with a 11.85% standard deviation. It suffered a maximum drawdown of -41.28% that required 81 months to be recovered.

As of June 2025, in the previous 30 Years, the Ray Dalio All Weather Portfolio To EUR Bond Hedged obtained a 7.26% compound annual return, with a 7.10% standard deviation. It suffered a maximum drawdown of -18.77% that required 38 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.

Vanguard LifeStrategy Growth Fund To EUR Portfolio
Weight
(%)		 Ticker Name
25.00
EUNL.DE
iShares Core MSCI World
25.00
SXR8.DE
iShares Core S&P 500
20.00
IUSQ.DE
iShares MSCI ACWI
5.00
IS3N.DE
iShares Core MSCI Emerg. Markets
5.00
SXRT.DE
iShares Core EURO STOXX 50
20.00
EUNA.DE
iShares Core Global Aggregate Bond EUR Hedged
Ray Dalio All Weather Portfolio To EUR Bond Hedged
Weight
(%)		 Ticker Name
30.00
XD9U.DE
Xtrackers MSCI USA
40.00
IUSV.DE
iShares USD Treasury Bond 20+yr EUR Hedged
15.00
CBUE.DE
iShares USD Treasury Bond 3-7yr Eur Hedged
7.50
PHAU
WisdomTree Physical Gold
7.50
UIQK.DE
UBS CMCI Composite SF
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Portfolio Returns as of Jun 30, 2025

Returns are calculated in EUR, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/07 - 2025/06)
All Data
(1976/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 11.17 € 1 016.72% 8.38%
Ray Dalio All Weather Portfolio To EUR Bond Hedged
Ray Dalio 		1 € 8.19 € 718.71% 7.26%
Jul 1995 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 6.10 € 510.42% 6.22%
Ray Dalio All Weather Portfolio To EUR Bond Hedged
Ray Dalio 		1 € 4.48 € 347.53% 5.12%
Jul 1995 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 92.91 € 9 190.73% 9.59%
Ray Dalio All Weather Portfolio To EUR Bond Hedged
Ray Dalio 		1 € 58.42 € 5 741.91% 8.56%
Jan 1976 Jun 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 27.58 € 2 657.52% 6.93%
Ray Dalio All Weather Portfolio To EUR Bond Hedged
Ray Dalio 		1 € 17.34 € 1 633.90% 5.93%
Jan 1976 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~50Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Growth Fund
Vanguard 		-2.03 1.07 -2.03 5.17 10.65 8.36 8.38 9.59
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_ray_dalio.webp All Weather Portfolio • Bond Hedged
Ray Dalio 		-0.71 1.02 -0.71 3.04 2.18 4.50 7.26 8.56
Returns over 1 year are annualized.
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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 July 2024 - 30 June 2025 (1 year)
Period: 1 July 2020 - 30 June 2025 (5 years)
Period: 1 July 2015 - 30 June 2025 (10 years)
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1976 - 30 June 2025 (~50 years)
1 Year
5 Years
10 Years
30 Years
All (1976/01 - 2025/06)
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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Author Vanguard Ray Dalio
ASSET ALLOCATION
Stocks 80% 30%
Fixed Income 20% 55%
Commodities 0% 15%
PERFORMANCES
Annualized Return (%) 5.17 3.04
Infl. Adjusted (%) 3.43 1.34
DRAWDOWN
Deepest Drawdown Depth (%) -10.54 -4.85
Start to Recovery (months) 5* 4*
Longest Drawdown Depth (%) -10.54 -4.85
Start to Recovery (months) 5* 4*
Longest Negative Period (months) 10 9*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 10.93 6.71
Sharpe Ratio 0.05 -0.24
Sortino Ratio 0.07 -0.33
Ulcer Index 4.31 2.37
Ratio: Return / Standard Deviation 0.47 0.45
Ratio: Return / Deepest Drawdown 0.49 0.63
Metrics calculated over the period 1 July 2024 - 30 June 2025
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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Author Vanguard Ray Dalio
ASSET ALLOCATION
Stocks 80% 30%
Fixed Income 20% 55%
Commodities 0% 15%
PERFORMANCES
Annualized Return (%) 10.65 2.18
Infl. Adjusted (%) 6.37 -1.77
DRAWDOWN
Deepest Drawdown Depth (%) -13.28 -18.77
Start to Recovery (months) 24 38
Longest Drawdown Depth (%) -13.28 -18.77
Start to Recovery (months) 24 38
Longest Negative Period (months) 26 45
RISK INDICATORS
Standard Deviation (%) 10.82 8.30
Sharpe Ratio 0.74 -0.06
Sortino Ratio 1.02 -0.08
Ulcer Index 5.35 8.64
Ratio: Return / Standard Deviation 0.98 0.26
Ratio: Return / Deepest Drawdown 0.80 0.12
Metrics calculated over the period 1 July 2020 - 30 June 2025
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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Author Vanguard Ray Dalio
ASSET ALLOCATION
Stocks 80% 30%
Fixed Income 20% 55%
Commodities 0% 15%
PERFORMANCES
Annualized Return (%) 8.36 4.50
Infl. Adjusted (%) 5.72 1.96
DRAWDOWN
Deepest Drawdown Depth (%) -14.97 -18.77
Start to Recovery (months) 10 38
Longest Drawdown Depth (%) -13.28 -18.77
Start to Recovery (months) 24 38
Longest Negative Period (months) 26 45
RISK INDICATORS
Standard Deviation (%) 11.05 7.13
Sharpe Ratio 0.59 0.38
Sortino Ratio 0.79 0.54
Ulcer Index 4.79 6.25
Ratio: Return / Standard Deviation 0.76 0.63
Ratio: Return / Deepest Drawdown 0.56 0.24
Metrics calculated over the period 1 July 2015 - 30 June 2025
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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Author Vanguard Ray Dalio
ASSET ALLOCATION
Stocks 80% 30%
Fixed Income 20% 55%
Commodities 0% 15%
PERFORMANCES
Annualized Return (%) 8.38 7.26
Infl. Adjusted (%) 6.22 5.12
DRAWDOWN
Deepest Drawdown Depth (%) -41.28 -18.77
Start to Recovery (months) 81 38
Longest Drawdown Depth (%) -41.28 -18.77
Start to Recovery (months) 81 38
Longest Negative Period (months) 139 45
RISK INDICATORS
Standard Deviation (%) 11.85 7.10
Sharpe Ratio 0.52 0.70
Sortino Ratio 0.68 1.00
Ulcer Index 13.38 4.08
Ratio: Return / Standard Deviation 0.71 1.02
Ratio: Return / Deepest Drawdown 0.20 0.39
Metrics calculated over the period 1 July 1995 - 30 June 2025
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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Author Vanguard Ray Dalio
ASSET ALLOCATION
Stocks 80% 30%
Fixed Income 20% 55%
Commodities 0% 15%
PERFORMANCES
Annualized Return (%) 9.59 8.56
Infl. Adjusted (%) 6.93 5.93
DRAWDOWN
Deepest Drawdown Depth (%) -41.28 -18.77
Start to Recovery (months) 81 38
Longest Drawdown Depth (%) -41.28 -18.77
Start to Recovery (months) 81 38
Longest Negative Period (months) 139 45
RISK INDICATORS
Standard Deviation (%) 12.26 8.10
Sharpe Ratio 0.44 0.54
Sortino Ratio 0.58 0.77
Ulcer Index 11.31 3.87
Ratio: Return / Standard Deviation 0.78 1.06
Ratio: Return / Deepest Drawdown 0.23 0.46
Metrics calculated over the period 1 January 1976 - 30 June 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 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1976 - 30 June 2025 (~50 years)
30 Years
(1995/07 - 2025/06)

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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-18.77 38 Jan 2022
Feb 2025
-14.97 10 Feb 2020
Nov 2020
-14.09 7 Jul 1998
Jan 1999
-13.28 24 Jan 2022
Dec 2023
-10.54 5* Feb 2025
In progress
-10.50 20 Apr 2015
Nov 2016
-9.76 7 Aug 1997
Feb 1998
-9.55 6 Oct 2018
Mar 2019
-7.18 11 Jan 2009
Nov 2009
-6.98 15 Apr 2015
Jun 2016
-6.53 33 Sep 2000
May 2003
-6.18 6 Jul 1998
Dec 1998
-5.63 3 Jul 1996
Sep 1996

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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-26.56 17 Sep 1987
Jan 1989
-23.34 21 Sep 1989
May 1991
-18.77 38 Jan 2022
Feb 2025
-15.32 23 Feb 1994
Dec 1995
-14.97 10 Feb 2020
Nov 2020
-14.09 7 Jul 1998
Jan 1999
-13.50 18 Aug 1987
Jan 1989
-13.28 24 Jan 2022
Dec 2023
-11.52 6 Jun 1992
Nov 1992
-10.54 5* Feb 2025
In progress
-10.50 20 Apr 2015
Nov 2016
-10.20 16 Feb 1994
May 1995
-10.11 13 Aug 1981
Aug 1982

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 - 30 June 2025 (~50 years)


Head To Head (Ptf 1 vs Ptf 2):
Eurozone 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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LifeStrategy Growth Fund To EUR All Weather Portfolio To EUR Bond Hedged
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -2.03 -10.54 -0.71 -4.85
2024
 21.28 -1.78 9.20 -2.72
2023
 16.29 -5.29 7.27 -7.13
2022
 -13.28 -13.28 -16.88 -16.88
2021
 25.08 -1.83 12.42 -2.13
2020
 5.01 -14.97 10.90 -2.94
2019
 26.06 -3.93 17.78 -1.22
2018
 -4.18 -9.55 -2.31 -3.64
2017
 7.13 -2.77 4.53 -2.25
2016
 9.98 -5.07 6.21 -4.34
2015
 7.81 -10.50 2.08 -6.98
2014
 18.69 -1.37 20.10 -0.33
2013
 16.38 -2.70 -0.32 -4.83
2012
 11.81 -2.02 6.15 -3.34
2011
 -0.69 -10.80 17.77 -2.26
2010
 17.06 -3.77 16.92 -1.67
2009
 24.65 -8.12 1.78 -7.18
2008
 -29.01 -29.01 4.85 -5.15
2007
 1.22 -4.85 6.17 -1.43
2006
 7.18 -5.41 0.34 -5.25
2005
 21.21 -2.27 14.91 -2.39
2004
 6.20 -1.95 6.00 -3.63
2003
 10.59 -5.69 4.84 -3.02
2002
 -22.90 -26.11 1.90 -5.26
2001
 -6.82 -18.65 -0.36 -4.85
2000
 -3.16 -13.35 11.76 -3.47
1999
 37.45 -5.13 14.06 -2.99
1998
 12.95 -14.09 7.34 -6.18
1997
 29.95 -9.76 20.09 -3.44
1996
 19.59 -5.63 8.83 -3.82
1995
 15.32 -3.34 24.94 -0.50
1994
 -9.70 -12.40 -6.66 -10.20
1993
 31.02 -1.87 18.86 -1.35
1992
 9.58 -11.52 15.27 -1.89
1991
 24.82 -7.53 21.16 -2.30
1990
 -15.00 -18.18 -2.02 -6.86
1989
 21.00 -6.95 18.06 -2.35
1988
 27.90 -3.76 14.90 -2.62
1987
 -9.89 -26.56 -6.50 -13.50
1986
 7.72 -7.67 10.99 -3.53
1985
 13.25 -6.95 15.79 -4.66
1984
 16.36 -7.29 12.06 -8.51
1983
 34.06 -1.02 14.66 -2.26
1982
 21.78 -1.81 34.55 -0.77
1981
 11.06 -10.11 0.08 -8.63
1980
 30.91 -4.10 14.08 -8.80
1979
 7.21 -6.09 15.57 -6.61
1978
 3.17 -8.66 0.07 -5.69
1977
 -1.27 -3.18 -1.87 -3.01
1976
 14.79 -3.42 16.34 -1.69
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