Vanguard LifeStrategy Growth Fund Portfolio vs Stocks/Bonds 20/80 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: USD
Inflation: US
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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:
Vanguard Vanguard LifeStrategy Growth Fund Portfolio
1.00$
Invested Capital
April 1996
9.66$
Final Capital
March 2026
7.85%
Yearly Return
12.49%
Std Deviation
-44.18%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
April 1996
4.58$
Final Capital
March 2026
5.21%
Yearly Return
12.49%
Std Deviation
-45.10%
Max Drawdown
65months
Recovery Period
1.00$
Invested Capital
January 1985
45.81$
Final Capital
March 2026
9.72%
Yearly Return
12.22%
Std Deviation
-44.18%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1985
14.76$
Final Capital
March 2026
6.74%
Yearly Return
12.22%
Std Deviation
-45.10%
Max Drawdown
65months
Recovery Period
Stocks/Bonds 20/80 Portfolio
1.00$
Invested Capital
April 1996
5.02$
Final Capital
March 2026
5.53%
Yearly Return
4.94%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
April 1996
2.39$
Final Capital
March 2026
2.94%
Yearly Return
4.94%
Std Deviation
-24.58%
Max Drawdown
63months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
16.33$
Final Capital
March 2026
7.01%
Yearly Return
5.21%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
January 1985
5.26$
Final Capital
March 2026
4.11%
Yearly Return
5.21%
Std Deviation
-24.58%
Max Drawdown
63months*
Recovery Period
* in progress

As of March 2026, in the previous 30 Years, the Vanguard LifeStrategy Growth Fund Portfolio obtained a 7.85% compound annual return, with a 12.49% standard deviation. It suffered a maximum drawdown of -44.18% that required 42 months to be recovered.

As of March 2026, in the previous 30 Years, the Stocks/Bonds 20/80 Portfolio obtained a 5.53% compound annual return, with a 4.94% standard deviation. It suffered a maximum drawdown of -16.57% that required 33 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.

Vanguard
Vanguard LifeStrategy Growth Fund Portfolio
Weight
(%)		 Ticker Name
48.00
VTI
Vanguard Total Stock Market
32.00
VEU
Vanguard FTSE All-World ex-US
14.00
BND
Vanguard Total Bond Market
6.00
BNDX
Vanguard Total International Bond
Stocks/Bonds 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
80.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of Mar 31, 2026

Returns are calculated in USD, 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 (%)
Vanguard LifeStrategy Growth Fund
Vanguard 		1 $ 9.66 $ 865.52% 7.85%
Stocks/Bonds 20/80
 1 $ 5.02 $ 402.46% 5.53%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund
Vanguard 		1 $ 4.58 $ 358.38% 5.21%
Stocks/Bonds 20/80
 1 $ 2.39 $ 138.54% 2.94%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund
Vanguard 		1 $ 45.81 $ 4 481.39% 9.72%
Stocks/Bonds 20/80
 1 $ 16.33 $ 1 533.34% 7.01%
Jan 1985 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Growth Fund
Vanguard 		1 $ 14.76 $ 1 375.64% 6.74%
Stocks/Bonds 20/80
 1 $ 5.26 $ 426.09% 4.11%
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_vanguard.webp LifeStrategy Growth Fund
Vanguard 		-1.21 -5.44 1.73 18.30 7.91 9.93 7.85 9.72
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 20/80
-- Market Benchmark 		-0.76 -2.39 0.46 6.91 2.51 4.16 5.53 7.01
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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LifeStrategy Growth Fund Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 80% 20%
Fixed Income 20% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 18.30 6.91
Infl. Adjusted (%) 15.47 4.35
DRAWDOWN
Deepest Drawdown Depth (%) -5.44 -2.39
Start to Recovery (months) 1* 1*
Longest Drawdown Depth (%) -5.44 -0.24
Start to Recovery (months) 1* 2
Longest Negative Period (months) 5* 5*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.36 3.83
Sharpe Ratio 1.71 0.76
Sortino Ratio 2.03 0.94
Ulcer Index 1.51 0.67
Ratio: Return / Standard Deviation 2.19 1.81
Ratio: Return / Deepest Drawdown 3.37 2.90
Metrics calculated over the period 1 April 2025 - 31 March 2026
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LifeStrategy Growth Fund Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 80% 20%
Fixed Income 20% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.91 2.51
Infl. Adjusted (%) 3.43 -1.75
DRAWDOWN
Deepest Drawdown Depth (%) -23.11 -16.57
Start to Recovery (months) 26 33
Longest Drawdown Depth (%) -23.11 -16.57
Start to Recovery (months) 26 33
Longest Negative Period (months) 31 41
RISK INDICATORS
Standard Deviation (%) 12.35 7.51
Sharpe Ratio 0.38 -0.10
Sortino Ratio 0.50 -0.14
Ulcer Index 7.85 7.32
Ratio: Return / Standard Deviation 0.64 0.33
Ratio: Return / Deepest Drawdown 0.34 0.15
Metrics calculated over the period 1 April 2021 - 31 March 2026
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LifeStrategy Growth Fund Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 80% 20%
Fixed Income 20% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.93 4.16
Infl. Adjusted (%) 6.48 0.89
DRAWDOWN
Deepest Drawdown Depth (%) -23.11 -16.57
Start to Recovery (months) 26 33
Longest Drawdown Depth (%) -23.11 -16.57
Start to Recovery (months) 26 33
Longest Negative Period (months) 34 50
RISK INDICATORS
Standard Deviation (%) 12.00 6.14
Sharpe Ratio 0.65 0.33
Sortino Ratio 0.85 0.44
Ulcer Index 6.16 5.25
Ratio: Return / Standard Deviation 0.83 0.68
Ratio: Return / Deepest Drawdown 0.43 0.25
Metrics calculated over the period 1 April 2016 - 31 March 2026
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LifeStrategy Growth Fund Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 80% 20%
Fixed Income 20% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.85 5.53
Infl. Adjusted (%) 5.21 2.94
DRAWDOWN
Deepest Drawdown Depth (%) -44.18 -16.57
Start to Recovery (months) 42 33
Longest Drawdown Depth (%) -33.43 -16.57
Start to Recovery (months) 57 33
Longest Negative Period (months) 118 50
RISK INDICATORS
Standard Deviation (%) 12.49 4.94
Sharpe Ratio 0.45 0.67
Sortino Ratio 0.59 0.89
Ulcer Index 10.92 3.21
Ratio: Return / Standard Deviation 0.63 1.12
Ratio: Return / Deepest Drawdown 0.18 0.33
Metrics calculated over the period 1 April 1996 - 31 March 2026
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LifeStrategy Growth Fund Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 80% 20%
Fixed Income 20% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.72 7.01
Infl. Adjusted (%) 6.74 4.11
DRAWDOWN
Deepest Drawdown Depth (%) -44.18 -16.57
Start to Recovery (months) 42 33
Longest Drawdown Depth (%) -33.43 -16.57
Start to Recovery (months) 57 33
Longest Negative Period (months) 118 50
RISK INDICATORS
Standard Deviation (%) 12.22 5.21
Sharpe Ratio 0.54 0.73
Sortino Ratio 0.70 1.00
Ulcer Index 9.60 2.87
Ratio: Return / Standard Deviation 0.80 1.34
Ratio: Return / Deepest Drawdown 0.22 0.42
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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LifeStrategy Growth Fund Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-44.18 42 Nov 2007
Apr 2011
-33.43 57 Apr 2000
Dec 2004
-23.11 26 Jan 2022
Feb 2024
-17.22 7 Jan 2020
Jul 2020
-16.57 33 Jan 2022
Sep 2024
-15.97 17 May 2011
Sep 2012
-12.34 5 Jul 1998
Nov 1998
-10.58 15 Feb 2018
Apr 2019
-10.02 14 Jun 2015
Jul 2016
-8.42 15 May 2008
Jul 2009
-5.44 1* Mar 2026
In progress
-4.69 2 May 2019
Jun 2019
-4.68 2 Aug 1997
Sep 1997
-4.21 5 Oct 1997
Feb 1998
-4.05 3 Jan 2000
Mar 2000

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LifeStrategy Growth Fund Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-44.18 42 Nov 2007
Apr 2011
-33.43 57 Apr 2000
Dec 2004
-23.11 26 Jan 2022
Feb 2024
-18.83 17 Sep 1987
Jan 1989
-17.22 7 Jan 2020
Jul 2020
-16.57 33 Jan 2022
Sep 2024
-15.97 17 May 2011
Sep 2012
-15.83 14 Jan 1990
Feb 1991
-12.34 5 Jul 1998
Nov 1998
-10.58 15 Feb 2018
Apr 2019
-10.02 14 Jun 2015
Jul 2016
-8.42 15 May 2008
Jul 2009
-6.14 6 Sep 1987
Feb 1988
-5.50 13 Feb 1994
Feb 1995
-5.44 1* Mar 2026
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 1985 - 31 March 2026 (~41 years)


Head To Head (Ptf 1 vs Ptf 2):
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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LifeStrategy Growth Fund Stocks/Bonds 20/80
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 -1.21 -5.44 -0.76 -2.39
2025
 19.72 -2.70 9.09 -1.15
2024
 13.62 -3.34 5.87 -2.83
2023
 18.86 -8.61 9.53 -5.62
2022
 -16.96 -23.11 -14.39 -16.57
2021
 14.57 -3.51 3.64 -1.82
2020
 15.01 -17.22 10.38 -3.92
2019
 23.41 -4.69 13.20 -0.07
2018
 -6.89 -10.58 -1.13 -2.67
2017
 19.59 0.00 7.10 -0.02
2016
 8.36 -4.84 4.58 -2.40
2015
 -1.21 -8.87 0.52 -1.90
2014
 5.91 -3.07 7.16 -0.89
2013
 20.25 -2.32 5.01 -2.56
2012
 14.96 -7.23 5.82 -0.62
2011
 -2.40 -15.97 6.53 -0.88
2010
 13.52 -9.79 8.44 -0.76
2009
 27.33 -15.58 8.69 -5.67
2008
 -30.83 -33.74 -1.91 -8.42
2007
 8.81 -4.40 6.61 -0.76
2006
 16.83 -3.10 6.55 -1.09
2005
 8.65 -3.29 3.18 -1.84
2004
 13.76 -2.77 5.95 -2.58
2003
 28.46 -3.92 9.33 -2.13
2002
 -12.94 -18.80 2.51 -2.13
2001
 -9.88 -18.66 4.55 -1.99
2000
 -7.93 -11.97 7.00 -2.23
1999
 20.92 -2.83 4.16 -2.17
1998
 18.39 -12.34 11.52 -2.15
1997
 15.66 -4.68 13.75 -1.70
1996
 12.34 -3.62 7.06 -1.44
1995
 22.27 -1.04 21.70 0.00
1994
 2.23 -4.78 -2.16 -5.50
1993
 17.02 -4.25 9.87 -1.10
1992
 1.35 -4.94 7.53 -1.25
1991
 22.00 -4.33 18.68 -1.05
1990
 -9.21 -15.83 5.70 -3.09
1989
 20.19 -2.11 16.54 -0.87
1988
 18.08 -3.25 9.35 -2.17
1987
 11.43 -18.83 1.75 -6.14
1986
 30.37 -4.99 15.00 -3.14
1985
 35.82 -2.28 24.05 -1.20
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