Vanguard LifeStrategy Growth Fund To EUR Portfolio vs Stocks/Bonds 60/40 To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - May 2025 (~49 years)
Consolidated Returns as of 31 May 2025
Initial Amount: 1€
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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Results
30 Years
(1995/06 - 2025/05)
All Data
(1976/01 - 2025/05)
Inflation Adjusted:
Vanguard LifeStrategy Growth Fund To EUR Portfolio
1.00€
Invested Capital
June 1995
10.97€
Final Capital
May 2025
8.31%
Yearly Return
11.85%
Std Deviation
-41.28%
Max Drawdown
81months
Recovery Period
1.00€
Invested Capital
June 1995
5.98€
Final Capital
May 2025
6.14%
Yearly Return
11.85%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period
1.00€
Invested Capital
January 1976
91.92€
Final Capital
May 2025
9.58%
Yearly Return
12.27%
Std Deviation
-41.28%
Max Drawdown
81months
Recovery Period
1.00€
Invested Capital
January 1976
27.28€
Final Capital
May 2025
6.92%
Yearly Return
12.27%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period
Stocks/Bonds 60/40 To EUR Portfolio
1.00€
Invested Capital
June 1995
12.42€
Final Capital
May 2025
8.76%
Yearly Return
11.35%
Std Deviation
-34.86%
Max Drawdown
134months
Recovery Period
1.00€
Invested Capital
June 1995
6.77€
Final Capital
May 2025
6.58%
Yearly Return
11.35%
Std Deviation
-44.74%
Max Drawdown
163months
Recovery Period
1.00€
Invested Capital
January 1976
113.34€
Final Capital
May 2025
10.05%
Yearly Return
12.84%
Std Deviation
-34.86%
Max Drawdown
134months
Recovery Period
1.00€
Invested Capital
January 1976
33.64€
Final Capital
May 2025
7.37%
Yearly Return
12.84%
Std Deviation
-44.74%
Max Drawdown
163months
Recovery Period

As of May 2025, in the previous 30 Years, the Vanguard LifeStrategy Growth Fund To EUR Portfolio obtained a 8.31% 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 May 2025, in the previous 30 Years, the Stocks/Bonds 60/40 To EUR Portfolio obtained a 8.76% compound annual return, with a 11.35% standard deviation. It suffered a maximum drawdown of -34.86% that required 134 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
Stocks/Bonds 60/40 To EUR Portfolio
Weight
(%)		 Ticker Name
60.00
XD9U.DE
Xtrackers MSCI USA
40.00
EUNX.DE
iShares US Aggregate Bond
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Portfolio Returns as of May 31, 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
(1995/06 - 2025/05)
All Data
(1976/01 - 2025/05)
Inflation Adjusted:
Swipe left to see all data
Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 10.97 € 996.69% 8.31%
Stocks/Bonds 60/40 To EUR
 1 € 12.42 € 1 141.73% 8.76%
Jun 1995 May 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 5.98 € 497.64% 6.14%
Stocks/Bonds 60/40 To EUR
 1 € 6.77 € 576.68% 6.58%
Jun 1995 May 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 91.92 € 9 091.94% 9.58%
Stocks/Bonds 60/40 To EUR
 1 € 113.34 € 11 234.31% 10.05%
Jan 1976 May 2025

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Initial Amount € Final Amount € Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund To EUR
Vanguard 		1 € 27.28 € 2 628.19% 6.92%
Stocks/Bonds 60/40 To EUR
 1 € 33.64 € 3 264.05% 7.37%
Jan 1976 May 2025

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Return (%) as of May 31, 2025
YTD
(5M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~49Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Growth Fund
Vanguard 		-3.07 4.71 -3.88 8.61 10.82 7.89 8.31 9.58
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 60/40
-- Market Benchmark 		-6.99 3.72 -7.85 6.48 8.60 7.71 8.76 10.05
Returns over 1 year are annualized.
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Portfolio Metrics as of May 31, 2025

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

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1976 - 31 May 2025 (~49 years)
1 Year
5 Years
10 Years
30 Years
All (1976/01 - 2025/05)
Swipe left to see all data
LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.61 6.48
Infl. Adjusted (%) 6.59 4.50
DRAWDOWN
Deepest Drawdown Depth (%) -10.54 -12.93
Start to Recovery (months) 4* 4*
Longest Drawdown Depth (%) -10.54 -12.93
Start to Recovery (months) 4* 4*
Longest Negative Period (months) 10 10
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 11.55 13.28
Sharpe Ratio 0.34 0.13
Sortino Ratio 0.46 0.18
Ulcer Index 4.05 5.09
Ratio: Return / Standard Deviation 0.75 0.49
Ratio: Return / Deepest Drawdown 0.82 0.50
Metrics calculated over the period 1 June 2024 - 31 May 2025
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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.82 8.60
Infl. Adjusted (%) 6.47 4.33
DRAWDOWN
Deepest Drawdown Depth (%) -13.28 -12.93
Start to Recovery (months) 24 4*
Longest Drawdown Depth (%) -13.28 -11.85
Start to Recovery (months) 24 24
Longest Negative Period (months) 26 26
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 10.83 10.31
Sharpe Ratio 0.76 0.58
Sortino Ratio 1.05 0.82
Ulcer Index 5.31 4.77
Ratio: Return / Standard Deviation 1.00 0.83
Ratio: Return / Deepest Drawdown 0.82 0.66
Metrics calculated over the period 1 June 2020 - 31 May 2025
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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.89 7.71
Infl. Adjusted (%) 5.26 5.08
DRAWDOWN
Deepest Drawdown Depth (%) -14.97 -12.93
Start to Recovery (months) 10 4*
Longest Drawdown Depth (%) -13.28 -11.85
Start to Recovery (months) 24 24
Longest Negative Period (months) 26 26
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 11.12 10.24
Sharpe Ratio 0.55 0.58
Sortino Ratio 0.74 0.82
Ulcer Index 4.82 4.25
Ratio: Return / Standard Deviation 0.71 0.75
Ratio: Return / Deepest Drawdown 0.53 0.60
Metrics calculated over the period 1 June 2015 - 31 May 2025
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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.31 8.76
Infl. Adjusted (%) 6.14 6.58
DRAWDOWN
Deepest Drawdown Depth (%) -41.28 -34.86
Start to Recovery (months) 81 134
Longest Drawdown Depth (%) -41.28 -34.86
Start to Recovery (months) 81 134
Longest Negative Period (months) 139 137
RISK INDICATORS
Standard Deviation (%) 11.85 11.35
Sharpe Ratio 0.51 0.57
Sortino Ratio 0.68 0.79
Ulcer Index 13.37 13.67
Ratio: Return / Standard Deviation 0.70 0.77
Ratio: Return / Deepest Drawdown 0.20 0.25
Metrics calculated over the period 1 June 1995 - 31 May 2025
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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 60%
Fixed Income 20% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.58 10.05
Infl. Adjusted (%) 6.92 7.37
DRAWDOWN
Deepest Drawdown Depth (%) -41.28 -34.86
Start to Recovery (months) 81 134
Longest Drawdown Depth (%) -41.28 -34.86
Start to Recovery (months) 81 134
Longest Negative Period (months) 139 137
RISK INDICATORS
Standard Deviation (%) 12.27 12.84
Sharpe Ratio 0.44 0.45
Sortino Ratio 0.58 0.63
Ulcer Index 11.32 11.90
Ratio: Return / Standard Deviation 0.78 0.78
Ratio: Return / Deepest Drawdown 0.23 0.29
Metrics calculated over the period 1 January 1976 - 31 May 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 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1976 - 31 May 2025 (~49 years)
30 Years
(1995/06 - 2025/05)

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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-34.86 134 Nov 2000
Dec 2011
-14.97 10 Feb 2020
Nov 2020
-14.09 7 Jul 1998
Jan 1999
-13.28 24 Jan 2022
Dec 2023
-12.96 7 Jul 1998
Jan 1999
-12.93 4* Feb 2025
In progress
-11.85 24 Jan 2022
Dec 2023
-10.54 4* Feb 2025
In progress
-10.50 20 Apr 2015
Nov 2016
-9.89 7 Feb 2020
Aug 2020
-9.76 7 Aug 1997
Feb 1998
-9.55 6 Oct 2018
Mar 2019
-8.34 8 Apr 2015
Nov 2015

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LifeStrategy Growth Fund To EUR Stocks/Bonds 60/40 To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-34.86 134 Nov 2000
Dec 2011
-28.88 49 Mar 1985
Mar 1989
-26.59 21 Sep 1989
May 1991
-26.56 17 Sep 1987
Jan 1989
-23.34 21 Sep 1989
May 1991
-15.32 23 Feb 1994
Dec 1995
-14.97 10 Feb 2020
Nov 2020
-14.95 29 Jan 1977
May 1979
-14.09 7 Jul 1998
Jan 1999
-13.57 19 Feb 1994
Aug 1995
-13.28 24 Jan 2022
Dec 2023
-12.96 7 Jul 1998
Jan 1999
-12.93 4* Feb 2025
In progress

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 May 2025 (~49 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 Stocks/Bonds 60/40 To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -3.07 -10.54 -6.99 -12.93
2024
 21.28 -1.78 22.31 -1.90
2023
 16.29 -5.29 13.86 -3.83
2022
 -13.28 -13.28 -11.85 -11.85
2021
 25.08 -1.83 25.42 -1.41
2020
 5.01 -14.97 4.76 -9.89
2019
 26.06 -3.93 25.31 -2.39
2018
 -4.18 -9.55 0.91 -7.00
2017
 7.13 -2.77 0.39 -6.98
2016
 9.98 -5.07 11.09 -3.61
2015
 7.81 -10.50 11.89 -8.34
2014
 18.69 -1.37 25.39 -0.33
2013
 16.38 -2.70 14.18 -1.79
2012
 11.81 -2.02 9.35 -3.48
2011
 -0.69 -10.80 7.23 -6.57
2010
 17.06 -3.77 20.86 -5.56
2009
 24.65 -8.12 15.99 -5.56
2008
 -29.01 -29.01 -15.93 -15.93
2007
 1.22 -4.85 -4.11 -7.86
2006
 7.18 -5.41 -0.29 -7.59
2005
 21.21 -2.27 19.91 -1.86
2004
 6.20 -1.95 1.54 -4.62
2003
 10.59 -5.69 0.14 -5.88
2002
 -22.90 -26.11 -22.78 -25.40
2001
 -6.82 -18.65 2.39 -14.67
2000
 -3.16 -13.35 5.00 -12.89
1999
 37.45 -5.13 32.63 -6.70
1998
 12.95 -14.09 10.06 -12.96
1997
 29.95 -9.76 39.60 -6.39
1996
 19.59 -5.63 16.18 -6.16
1995
 15.32 -3.34 23.63 -2.76
1994
 -9.70 -12.40 -10.34 -13.57
1993
 31.02 -1.87 19.33 -4.24
1992
 9.58 -11.52 20.21 -11.52
1991
 24.82 -7.53 28.36 -7.03
1990
 -15.00 -18.18 -12.98 -18.72
1989
 21.00 -6.95 20.44 -9.73
1988
 27.90 -3.76 26.65 -7.34
1987
 -9.89 -26.56 -16.36 -26.83
1986
 7.72 -7.67 -4.80 -13.08
1985
 13.25 -6.95 2.02 -13.22
1984
 16.36 -7.29 24.09 -9.58
1983
 34.06 -1.02 37.20 -1.67
1982
 21.78 -1.81 38.55 -1.61
1981
 11.06 -10.11 20.86 -9.17
1980
 30.91 -4.10 33.81 -3.87
1979
 7.21 -6.09 15.42 -7.04
1978
 3.17 -8.66 -3.99 -9.36
1977
 -1.27 -3.18 -8.32 -8.91
1976
 14.79 -3.42 23.84 -1.39
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