Vanguard LifeStrategy Income Fund Portfolio vs Stocks/Bonds 80/20 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 Income Fund Portfolio
1.00$
Invested Capital
April 1996
4.78$
Final Capital
March 2026
5.35%
Yearly Return
4.82%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
April 1996
2.27$
Final Capital
March 2026
2.77%
Yearly Return
4.82%
Std Deviation
-24.95%
Max Drawdown
63months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
16.38$
Final Capital
March 2026
7.01%
Yearly Return
5.12%
Std Deviation
-16.61%
Max Drawdown
37months
Recovery Period
1.00$
Invested Capital
January 1985
5.28$
Final Capital
March 2026
4.11%
Yearly Return
5.12%
Std Deviation
-24.95%
Max Drawdown
63months*
Recovery Period
* in progress
Stocks/Bonds 80/20 Portfolio
1.00$
Invested Capital
April 1996
13.41$
Final Capital
March 2026
9.04%
Yearly Return
12.61%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Invested Capital
April 1996
6.36$
Final Capital
March 2026
6.36%
Yearly Return
12.61%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
January 1985
60.34$
Final Capital
March 2026
10.45%
Yearly Return
12.46%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Invested Capital
January 1985
19.44$
Final Capital
March 2026
7.46%
Yearly Return
12.46%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period

As of March 2026, in the previous 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.35% compound annual return, with a 4.82% standard deviation. It suffered a maximum drawdown of -16.61% that required 37 months to be recovered.

As of March 2026, in the previous 30 Years, the Stocks/Bonds 80/20 Portfolio obtained a 9.04% compound annual return, with a 12.61% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 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 Income Fund Portfolio
Weight
(%)		 Ticker Name
12.00
VTI
Vanguard Total Stock Market
8.00
VEU
Vanguard FTSE All-World ex-US
56.00
BND
Vanguard Total Bond Market
24.00
BNDX
Vanguard Total International Bond
Stocks/Bonds 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VTI
Vanguard Total Stock Market
20.00
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 Income Fund
Vanguard 		1 $ 4.78 $ 377.55% 5.35%
Stocks/Bonds 80/20
 1 $ 13.41 $ 1 240.71% 9.04%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 2.27 $ 126.71% 2.77%
Stocks/Bonds 80/20
 1 $ 6.36 $ 536.50% 6.36%
Apr 1996 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 16.38 $ 1 537.99% 7.01%
Stocks/Bonds 80/20
 1 $ 60.34 $ 5 934.34% 10.45%
Jan 1985 Mar 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Income Fund
Vanguard 		1 $ 5.28 $ 427.59% 4.11%
Stocks/Bonds 80/20
 1 $ 19.44 $ 1 843.63% 7.46%
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 Income Fund
Vanguard 		-0.30 -2.77 1.02 7.42 2.23 3.80 5.35 7.01
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 80/20
-- Market Benchmark 		-3.20 -4.35 -1.11 15.23 8.79 11.36 9.04 10.45
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 Income Fund Stocks/Bonds 80/20
Author Vanguard
ASSET ALLOCATION
Stocks 20% 80%
Fixed Income 80% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.42 15.23
Infl. Adjusted (%) 4.84 12.47
DRAWDOWN
Deepest Drawdown Depth (%) -2.77 -4.45
Start to Recovery (months) 1* 2*
Longest Drawdown Depth (%) -0.04 -4.45
Start to Recovery (months) 2 2*
Longest Negative Period (months) 4* 6*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 4.05 8.11
Sharpe Ratio 0.85 1.39
Sortino Ratio 0.98 1.82
Ulcer Index 0.77 1.24
Ratio: Return / Standard Deviation 1.83 1.88
Ratio: Return / Deepest Drawdown 2.68 3.42
Metrics calculated over the period 1 April 2025 - 31 March 2026
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LifeStrategy Income Fund Stocks/Bonds 80/20
Author Vanguard
ASSET ALLOCATION
Stocks 20% 80%
Fixed Income 80% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.23 8.79
Infl. Adjusted (%) -2.02 4.27
DRAWDOWN
Deepest Drawdown Depth (%) -16.61 -22.75
Start to Recovery (months) 37 25
Longest Drawdown Depth (%) -16.61 -22.75
Start to Recovery (months) 37 25
Longest Negative Period (months) 43 30
RISK INDICATORS
Standard Deviation (%) 7.15 13.21
Sharpe Ratio -0.15 0.42
Sortino Ratio -0.20 0.55
Ulcer Index 7.29 8.13
Ratio: Return / Standard Deviation 0.31 0.67
Ratio: Return / Deepest Drawdown 0.13 0.39
Metrics calculated over the period 1 April 2021 - 31 March 2026
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LifeStrategy Income Fund Stocks/Bonds 80/20
Author Vanguard
ASSET ALLOCATION
Stocks 20% 80%
Fixed Income 80% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.80 11.36
Infl. Adjusted (%) 0.54 7.86
DRAWDOWN
Deepest Drawdown Depth (%) -16.61 -22.75
Start to Recovery (months) 37 25
Longest Drawdown Depth (%) -16.61 -22.75
Start to Recovery (months) 37 25
Longest Negative Period (months) 52 30
RISK INDICATORS
Standard Deviation (%) 5.84 12.77
Sharpe Ratio 0.29 0.72
Sortino Ratio 0.38 0.95
Ulcer Index 5.22 6.27
Ratio: Return / Standard Deviation 0.65 0.89
Ratio: Return / Deepest Drawdown 0.23 0.50
Metrics calculated over the period 1 April 2016 - 31 March 2026
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LifeStrategy Income Fund Stocks/Bonds 80/20
Author Vanguard
ASSET ALLOCATION
Stocks 20% 80%
Fixed Income 80% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.35 9.04
Infl. Adjusted (%) 2.77 6.36
DRAWDOWN
Deepest Drawdown Depth (%) -16.61 -41.09
Start to Recovery (months) 37 39
Longest Drawdown Depth (%) -16.61 -33.33
Start to Recovery (months) 37 59
Longest Negative Period (months) 52 122
RISK INDICATORS
Standard Deviation (%) 4.82 12.61
Sharpe Ratio 0.65 0.54
Sortino Ratio 0.86 0.71
Ulcer Index 3.31 10.40
Ratio: Return / Standard Deviation 1.11 0.72
Ratio: Return / Deepest Drawdown 0.32 0.22
Metrics calculated over the period 1 April 1996 - 31 March 2026
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LifeStrategy Income Fund Stocks/Bonds 80/20
Author Vanguard
ASSET ALLOCATION
Stocks 20% 80%
Fixed Income 80% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.01 10.45
Infl. Adjusted (%) 4.11 7.46
DRAWDOWN
Deepest Drawdown Depth (%) -16.61 -41.09
Start to Recovery (months) 37 39
Longest Drawdown Depth (%) -16.61 -33.33
Start to Recovery (months) 37 59
Longest Negative Period (months) 52 122
RISK INDICATORS
Standard Deviation (%) 5.12 12.46
Sharpe Ratio 0.75 0.58
Sortino Ratio 1.03 0.76
Ulcer Index 2.96 9.31
Ratio: Return / Standard Deviation 1.37 0.84
Ratio: Return / Deepest Drawdown 0.42 0.25
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 Income Fund Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.09 39 Nov 2007
Jan 2011
-33.33 59 Sep 2000
Jul 2005
-22.75 25 Jan 2022
Jan 2024
-16.61 37 Sep 2021
Sep 2024
-16.53 6 Feb 2020
Jul 2020
-13.95 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-11.32 7 Oct 2018
Apr 2019
-10.54 15 May 2008
Jul 2009
-7.05 12 Jun 2015
May 2016
-6.90 5 Apr 2000
Aug 2000
-6.49 7 Dec 2024
Jun 2025
-5.21 5 Apr 2012
Aug 2012
-5.12 5 Jul 1999
Nov 1999
-4.97 2 May 2019
Jun 2019

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LifeStrategy Income Fund Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.09 39 Nov 2007
Jan 2011
-33.33 59 Sep 2000
Jul 2005
-24.55 20 Sep 1987
Apr 1989
-22.75 25 Jan 2022
Jan 2024
-16.61 37 Sep 2021
Sep 2024
-16.53 6 Feb 2020
Jul 2020
-13.95 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-12.23 9 Jun 1990
Feb 1991
-11.32 7 Oct 2018
Apr 2019
-10.54 15 May 2008
Jul 2009
-7.05 12 Jun 2015
May 2016
-6.95 13 Feb 1994
Feb 1995
-6.90 5 Apr 2000
Aug 2000
-6.76 5 Sep 1986
Jan 1987

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 Income Fund Stocks/Bonds 80/20
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 -0.30 -2.77 -3.20 -4.45
2025
 9.29 -0.93 15.10 -6.18
2024
 4.93 -2.43 19.32 -3.99
2023
 9.53 -5.05 21.92 -8.32
2022
 -14.00 -16.30 -18.23 -22.75
2021
 2.15 -1.71 20.16 -3.88
2020
 8.85 -4.47 18.36 -16.53
2019
 12.26 -0.05 26.30 -4.97
2018
 -1.15 -2.37 -4.19 -11.32
2017
 7.31 0.00 17.68 0.00
2016
 4.45 -2.58 10.77 -4.34
2015
 0.26 -2.43 0.40 -7.05
2014
 6.50 -0.99 11.20 -2.23
2013
 3.78 -3.36 26.34 -2.66
2012
 7.54 -1.14 13.79 -5.21
2011
 5.49 -1.55 2.36 -13.35
2010
 8.55 -1.00 15.18 -10.23
2009
 12.18 -5.19 23.84 -14.71
2008
 -4.64 -10.54 -28.21 -30.13
2007
 6.96 -0.49 5.68 -4.17
2006
 7.11 -0.79 13.41 -2.63
2005
 4.54 -1.40 5.53 -3.41
2004
 7.04 -2.22 11.08 -2.95
2003
 10.09 -1.74 25.40 -3.13
2002
 3.19 -1.88 -14.73 -20.47
2001
 4.39 -1.61 -7.09 -17.69
2000
 6.07 -1.88 -6.18 -12.05
1999
 4.89 -1.98 18.90 -5.12
1998
 12.95 -1.57 20.33 -13.95
1997
 7.78 -1.74 26.68 -3.85
1996
 6.01 -0.91 17.49 -4.78
1995
 19.89 0.00 32.26 -0.70
1994
 -2.48 -5.45 -0.67 -6.95
1993
 13.03 -1.55 10.44 -2.06
1992
 6.76 -2.36 8.71 -2.02
1991
 18.32 -1.28 28.96 -3.69
1990
 3.86 -4.35 -3.13 -12.23
1989
 14.71 -1.34 25.22 -2.00
1988
 10.36 -1.32 15.32 -2.84
1987
 4.45 -4.47 2.40 -24.55
1986
 19.21 -2.56 14.68 -6.76
1985
 26.25 -1.52 29.47 -3.45
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