Vanguard LifeStrategy Moderate Growth Portfolio vs Stocks/Bonds 20/80 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - July 2025 (~41 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Vanguard LifeStrategy Moderate Growth Portfolio
1.00$
Invested Capital
August 1995
8.16$
Final Capital
July 2025
7.25%
Yearly Return
9.57%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
August 1995
3.86$
Final Capital
July 2025
4.61%
Yearly Return
9.57%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
31.98$
Final Capital
July 2025
8.91%
Yearly Return
9.57%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
10.47$
Final Capital
July 2025
5.96%
Yearly Return
9.57%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
Stocks/Bonds 20/80 Portfolio
1.00$
Invested Capital
August 1995
5.19$
Final Capital
July 2025
5.64%
Yearly Return
4.93%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
August 1995
2.46$
Final Capital
July 2025
3.04%
Yearly Return
4.93%
Std Deviation
-24.58%
Max Drawdown
55months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
15.78$
Final Capital
July 2025
7.03%
Yearly Return
5.23%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
January 1985
5.17$
Final Capital
July 2025
4.13%
Yearly Return
5.23%
Std Deviation
-24.58%
Max Drawdown
55months*
Recovery Period
* in progress

As of July 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.25% compound annual return, with a 9.57% standard deviation. It suffered a maximum drawdown of -33.52% that required 36 months to be recovered.

As of July 2025, in the previous 30 Years, the Stocks/Bonds 20/80 Portfolio obtained a 5.64% compound annual return, with a 4.93% standard deviation. It suffered a maximum drawdown of -16.57% that required 33 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 Moderate Growth Portfolio
Weight
(%)		 Ticker Name
36.00
VTI
Vanguard Total Stock Market
24.00
VEU
Vanguard FTSE All-World ex-US
28.00
BND
Vanguard Total Bond Market
12.00
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 Jul 31, 2025

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
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 8.16 $ 715.80% 7.25%
Stocks/Bonds 20/80
 1 $ 5.19 $ 418.59% 5.64%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 3.86 $ 286.36% 4.61%
Stocks/Bonds 20/80
 1 $ 2.46 $ 145.60% 3.04%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 31.98 $ 3 098.46% 8.91%
Stocks/Bonds 20/80
 1 $ 15.78 $ 1 478.35% 7.03%
Jan 1985 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Vanguard LifeStrategy Moderate Growth
Vanguard 		1 $ 10.47 $ 947.24% 5.96%
Stocks/Bonds 20/80
 1 $ 5.17 $ 416.78% 4.13%
Jan 1985 Jul 2025

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Return (%) as of Jul 31, 2025
YTD
(7M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Moderate Growth
Vanguard 		8.28 0.48 6.05 10.66 7.42 7.06 7.25 8.91
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 20/80
-- Market Benchmark 		4.61 0.25 3.49 5.93 2.15 4.00 5.64 7.03
Returns over 1 year are annualized.
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Portfolio Metrics as of Jul 31, 2025

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

METRIC COMPARISON
Period: 1 August 2024 - 31 July 2025 (1 year)
Period: 1 August 2020 - 31 July 2025 (5 years)
Period: 1 August 2015 - 31 July 2025 (10 years)
Period: 1 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/07)
Swipe left to see all data
LifeStrategy Moderate Growth Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 60% 20%
Fixed Income 40% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.66 5.93
Infl. Adjusted (%) 7.67 3.08
DRAWDOWN
Deepest Drawdown Depth (%) -2.34 -2.07
Start to Recovery (months) 3 2
Longest Drawdown Depth (%) -2.34 -1.15
Start to Recovery (months) 3 4
Longest Negative Period (months) 7 7
RISK INDICATORS
Standard Deviation (%) 6.86 5.04
Sharpe Ratio 0.89 0.28
Sortino Ratio 1.15 0.35
Ulcer Index 1.12 0.94
Ratio: Return / Standard Deviation 1.55 1.18
Ratio: Return / Deepest Drawdown 4.55 2.86
Metrics calculated over the period 1 August 2024 - 31 July 2025
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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 60% 20%
Fixed Income 40% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.42 2.15
Infl. Adjusted (%) 2.79 -2.26
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -16.57
Start to Recovery (months) 27 33
Longest Drawdown Depth (%) -20.84 -16.57
Start to Recovery (months) 27 33
Longest Negative Period (months) 35 45
RISK INDICATORS
Standard Deviation (%) 10.81 7.54
Sharpe Ratio 0.43 -0.08
Sortino Ratio 0.59 -0.11
Ulcer Index 7.46 7.33
Ratio: Return / Standard Deviation 0.69 0.29
Ratio: Return / Deepest Drawdown 0.36 0.13
Metrics calculated over the period 1 August 2020 - 31 July 2025
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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 60% 20%
Fixed Income 40% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.06 4.00
Infl. Adjusted (%) 3.87 0.90
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -16.57
Start to Recovery (months) 27 33
Longest Drawdown Depth (%) -20.84 -16.57
Start to Recovery (months) 27 33
Longest Negative Period (months) 35 50
RISK INDICATORS
Standard Deviation (%) 9.92 6.12
Sharpe Ratio 0.52 0.35
Sortino Ratio 0.70 0.47
Ulcer Index 5.71 5.25
Ratio: Return / Standard Deviation 0.71 0.65
Ratio: Return / Deepest Drawdown 0.34 0.24
Metrics calculated over the period 1 August 2015 - 31 July 2025
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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 60% 20%
Fixed Income 40% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.25 5.64
Infl. Adjusted (%) 4.61 3.04
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -16.57
Start to Recovery (months) 36 33
Longest Drawdown Depth (%) -20.87 -16.57
Start to Recovery (months) 45 33
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.57 4.93
Sharpe Ratio 0.52 0.68
Sortino Ratio 0.68 0.92
Ulcer Index 7.17 3.21
Ratio: Return / Standard Deviation 0.76 1.14
Ratio: Return / Deepest Drawdown 0.22 0.34
Metrics calculated over the period 1 August 1995 - 31 July 2025
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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Author Vanguard
ASSET ALLOCATION
Stocks 60% 20%
Fixed Income 40% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.91 7.03
Infl. Adjusted (%) 5.96 4.13
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -16.57
Start to Recovery (months) 36 33
Longest Drawdown Depth (%) -20.87 -16.57
Start to Recovery (months) 45 33
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.57 5.23
Sharpe Ratio 0.60 0.74
Sortino Ratio 0.79 1.01
Ulcer Index 6.40 2.89
Ratio: Return / Standard Deviation 0.93 1.35
Ratio: Return / Deepest Drawdown 0.27 0.42
Metrics calculated over the period 1 January 1985 - 31 July 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 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
30 Years
(1995/08 - 2025/07)

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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-33.52 36 Nov 2007
Oct 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-16.57 33 Jan 2022
Sep 2024
-12.56 7 Jan 2020
Jul 2020
-11.06 10 May 2011
Feb 2012
-8.89 5 Jul 1998
Nov 1998
-8.42 15 May 2008
Jul 2009
-7.60 14 Feb 2018
Mar 2019
-7.06 14 Jun 2015
Jul 2016
-5.08 5 Apr 2012
Aug 2012
-3.92 3 Feb 2020
Apr 2020
-3.76 2 Aug 1997
Sep 1997
-3.22 2 May 2019
Jun 2019
-3.10 3 Jan 2000
Mar 2000

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LifeStrategy Moderate Growth Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-33.52 36 Nov 2007
Oct 2010
-20.87 45 Apr 2000
Dec 2003
-20.84 27 Jan 2022
Mar 2024
-16.57 33 Jan 2022
Sep 2024
-14.69 14 Sep 1987
Oct 1988
-12.56 7 Jan 2020
Jul 2020
-11.27 14 Jan 1990
Feb 1991
-11.06 10 May 2011
Feb 2012
-8.89 5 Jul 1998
Nov 1998
-8.42 15 May 2008
Jul 2009
-7.60 14 Feb 2018
Mar 2019
-7.06 14 Jun 2015
Jul 2016
-6.14 6 Sep 1987
Feb 1988
-5.50 13 Feb 1994
Feb 1995
-5.08 5 Apr 2012
Aug 2012

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 July 2025 (~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 Moderate Growth Stocks/Bonds 20/80
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 8.28 -2.11 4.61 -1.15
2024
 10.72 -3.05 5.87 -2.83
2023
 15.75 -7.49 9.53 -5.62
2022
 -15.97 -20.84 -14.39 -16.57
2021
 10.43 -2.95 3.64 -1.82
2020
 12.96 -12.56 10.38 -3.92
2019
 19.70 -3.22 13.20 -0.07
2018
 -4.98 -7.60 -1.13 -2.67
2017
 15.50 0.00 7.10 -0.02
2016
 7.06 -3.07 4.58 -2.40
2015
 -0.72 -6.65 0.52 -1.90
2014
 6.10 -2.10 7.16 -0.89
2013
 14.76 -2.66 5.01 -2.56
2012
 12.49 -5.08 5.82 -0.62
2011
 0.23 -11.06 6.53 -0.88
2010
 11.87 -6.75 8.44 -0.76
2009
 22.28 -12.11 8.69 -5.67
2008
 -22.10 -25.50 -1.91 -8.42
2007
 8.20 -2.89 6.61 -0.76
2006
 13.59 -2.35 6.55 -1.09
2005
 7.28 -2.18 3.18 -1.84
2004
 11.52 -2.39 5.95 -2.58
2003
 22.34 -2.55 9.33 -2.13
2002
 -7.56 -12.50 2.51 -2.13
2001
 -5.13 -12.36 4.55 -1.99
2000
 -3.26 -7.36 7.00 -2.23
1999
 15.58 -2.55 4.16 -2.17
1998
 16.58 -8.89 11.52 -2.15
1997
 13.04 -3.76 13.75 -1.70
1996
 10.23 -2.46 7.06 -1.44
1995
 21.48 -0.41 21.70 0.00
1994
 0.66 -4.62 -2.16 -5.50
1993
 15.69 -3.38 9.87 -1.10
1992
 3.16 -4.08 7.53 -1.25
1991
 20.78 -3.35 18.68 -1.05
1990
 -4.85 -11.27 5.70 -3.09
1989
 18.36 -1.05 16.54 -0.87
1988
 15.51 -2.43 9.35 -2.17
1987
 9.10 -14.69 1.75 -6.14
1986
 26.65 -3.93 15.00 -3.14
1985
 32.63 -1.51 24.05 -1.20
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