Vanguard LifeStrategy Moderate Growth Portfolio vs Stocks/Bonds 40/60 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - May 2025 (~40 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1985)
Inflation Adjusted:
Vanguard LifeStrategy Moderate Growth Portfolio
1.00$
Initial Capital
June 1995
8.16$
Final Capital
May 2025
7.25%
Yearly Return
9.56%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
June 1995
3.87$
Final Capital
May 2025
4.62%
Yearly Return
9.56%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
1.00$
Initial Capital
January 1985
30.83$
Final Capital
May 2025
8.85%
Yearly Return
9.58%
Std Deviation
-33.52%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
January 1985
10.14$
Final Capital
May 2025
5.90%
Yearly Return
9.58%
Std Deviation
-34.62%
Max Drawdown
40months
Recovery Period
Stocks/Bonds 40/60 Portfolio
1.00$
Initial Capital
June 1995
7.59$
Final Capital
May 2025
6.99%
Yearly Return
7.01%
Std Deviation
-19.17%
Max Drawdown
25months
Recovery Period
1.00$
Initial Capital
June 1995
3.60$
Final Capital
May 2025
4.36%
Yearly Return
7.01%
Std Deviation
-24.11%
Max Drawdown
45months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
24.56$
Final Capital
May 2025
8.24%
Yearly Return
7.25%
Std Deviation
-19.17%
Max Drawdown
25months
Recovery Period
1.00$
Initial Capital
January 1985
8.08$
Final Capital
May 2025
5.31%
Yearly Return
7.25%
Std Deviation
-24.11%
Max Drawdown
45months*
Recovery Period
* in progress

As of May 2025, in the previous 30 Years, the Vanguard LifeStrategy Moderate Growth Portfolio obtained a 7.25% compound annual return, with a 9.56% standard deviation. It suffered a maximum drawdown of -33.52% that required 36 months to be recovered.

As of May 2025, in the previous 30 Years, the Stocks/Bonds 40/60 Portfolio obtained a 6.99% compound annual return, with a 7.01% standard deviation. It suffered a maximum drawdown of -19.17% that required 25 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 40/60 Portfolio
Weight
(%)		 Ticker Name
40.00
VTI
Vanguard Total Stock Market
60.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of May 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
Period: 1 January 1985 - 31 May 2025 (~40 years)
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Return (%) as of May 31, 2025
YTD
(5M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_vanguard.webp LifeStrategy Moderate Growth
Vanguard 		4.38 3.11 1.94 10.47 7.79 6.58 7.25 8.85
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 40/60
-- Market Benchmark 		1.65 1.95 -0.69 8.69 5.56 5.91 6.99 8.24
Return over 1 year are annualized.
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Capital Growth as of May 31, 2025

Vanguard LifeStrategy Moderate Growth Portfolio: an investment of 1$, since June 1995, now would be worth 8.16$, with a total return of 716.41% (7.25% annualized).

Stocks/Bonds 40/60 Portfolio: an investment of 1$, since June 1995, now would be worth 7.59$, with a total return of 659.43% (6.99% annualized).


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Vanguard LifeStrategy Moderate Growth Portfolio: an investment of 1$, since January 1985, now would be worth 30.83$, with a total return of 2983.37% (8.85% annualized).

Stocks/Bonds 40/60 Portfolio: an investment of 1$, since January 1985, now would be worth 24.56$, with a total return of 2356.11% (8.24% 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 1985 - 31 May 2025 (~40 years)
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LifeStrategy Moderate Growth Stocks/Bonds 40/60
Author Vanguard
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.47 8.69
Infl. Adjusted Return (%) 7.90 6.17
DRAWDOWN
Deepest Drawdown Depth (%) -2.34 -2.59
Start to Recovery (months) 3 6*
Longest Drawdown Depth (%) -2.34 -2.59
Start to Recovery (months) 3 6*
Longest Negative Period (months) 7 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 6.58 6.34
Sharpe Ratio 0.88 0.63
Sortino Ratio 1.09 0.80
Ulcer Index 1.12 1.32
Ratio: Return / Standard Deviation 1.59 1.37
Ratio: Return / Deepest Drawdown 4.47 3.36
Metrics calculated over the period 1 June 2024 - 31 May 2025
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LifeStrategy Moderate Growth Stocks/Bonds 40/60
Author Vanguard
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.79 5.56
Infl. Adjusted Return (%) 3.03 0.90
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -18.63
Start to Recovery (months) 27 30
Longest Drawdown Depth (%) -20.84 -18.63
Start to Recovery (months) 27 30
Longest Negative Period (months) 35 38
RISK INDICATORS
Standard Deviation (%) 10.84 9.40
Sharpe Ratio 0.48 0.31
Sortino Ratio 0.65 0.42
Ulcer Index 7.46 7.38
Ratio: Return / Standard Deviation 0.72 0.59
Ratio: Return / Deepest Drawdown 0.37 0.30
Metrics calculated over the period 1 June 2020 - 31 May 2025
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LifeStrategy Moderate Growth Stocks/Bonds 40/60
Author Vanguard
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.58 5.91
Infl. Adjusted Return (%) 3.40 2.75
DRAWDOWN
Deepest Drawdown Depth (%) -20.84 -18.63
Start to Recovery (months) 27 30
Longest Drawdown Depth (%) -20.84 -18.63
Start to Recovery (months) 27 30
Longest Negative Period (months) 35 38
RISK INDICATORS
Standard Deviation (%) 9.91 8.07
Sharpe Ratio 0.48 0.51
Sortino Ratio 0.64 0.68
Ulcer Index 5.76 5.39
Ratio: Return / Standard Deviation 0.66 0.73
Ratio: Return / Deepest Drawdown 0.32 0.32
Metrics calculated over the period 1 June 2015 - 31 May 2025
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LifeStrategy Moderate Growth Stocks/Bonds 40/60
Author Vanguard
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.25 6.99
Infl. Adjusted Return (%) 4.62 4.36
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -19.17
Start to Recovery (months) 36 25
Longest Drawdown Depth (%) -20.87 -8.59
Start to Recovery (months) 45 33
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.56 7.01
Sharpe Ratio 0.52 0.67
Sortino Ratio 0.68 0.89
Ulcer Index 7.17 4.21
Ratio: Return / Standard Deviation 0.76 1.00
Ratio: Return / Deepest Drawdown 0.22 0.36
Metrics calculated over the period 1 June 1995 - 31 May 2025
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LifeStrategy Moderate Growth Stocks/Bonds 40/60
Author Vanguard
ASSET ALLOCATION
Stocks 60% 40%
Fixed Income 40% 60%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.85 8.24
Infl. Adjusted Return (%) 5.90 5.31
DRAWDOWN
Deepest Drawdown Depth (%) -33.52 -19.17
Start to Recovery (months) 36 25
Longest Drawdown Depth (%) -20.87 -8.59
Start to Recovery (months) 45 33
Longest Negative Period (months) 61 50
RISK INDICATORS
Standard Deviation (%) 9.58 7.25
Sharpe Ratio 0.59 0.70
Sortino Ratio 0.78 0.93
Ulcer Index 6.41 3.88
Ratio: Return / Standard Deviation 0.92 1.14
Ratio: Return / Deepest Drawdown 0.26 0.43
Metrics calculated over the period 1 January 1985 - 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 1985 - 31 May 2025 (~40 years)

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LifeStrategy Moderate Growth Stocks/Bonds 40/60
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
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-12.56 7 Jan 2020
Jul 2020
-11.06 10 May 2011
Feb 2012
-8.89 5 Jul 1998
Nov 1998
-8.59 33 Sep 2000
May 2003
-8.09 4 Feb 2020
May 2020
-7.60 14 Feb 2018
Mar 2019
-7.06 14 Jun 2015
Jul 2016
-6.25 5 Jul 1998
Nov 1998
-5.36 7 Sep 2018
Mar 2019
-5.08 5 Apr 2012
Aug 2012

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LifeStrategy Moderate Growth Stocks/Bonds 40/60
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
-19.17 25 Nov 2007
Nov 2009
-18.63 30 Jan 2022
Jun 2024
-14.69 14 Sep 1987
Oct 1988
-13.08 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
-8.59 33 Sep 2000
May 2003
-8.09 4 Feb 2020
May 2020
-7.60 14 Feb 2018
Mar 2019
-7.06 14 Jun 2015
Jul 2016

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 May 2025 (~40 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 40/60
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.38 -2.11 1.65 -2.35
2024
 10.72 -3.05 10.35 -3.23
2023
 15.75 -7.49 13.66 -6.58
2022
 -15.97 -20.84 -15.67 -18.63
2021
 10.43 -2.95 9.15 -2.56
2020
 12.96 -12.56 13.04 -8.09
2019
 19.70 -3.22 17.57 -1.77
2018
 -4.98 -7.60 -2.15 -5.36
2017
 15.50 0.00 10.63 0.00
2016
 7.06 -3.07 6.64 -1.57
2015
 -0.72 -6.65 0.48 -3.41
2014
 6.10 -2.10 8.51 -1.20
2013
 14.76 -2.66 12.12 -1.84
2012
 12.49 -5.08 8.47 -2.11
2011
 0.23 -11.06 5.14 -4.76
2010
 11.87 -6.75 10.69 -3.96
2009
 22.28 -12.11 13.74 -8.68
2008
 -22.10 -25.50 -10.67 -14.39
2007
 8.20 -2.89 6.30 -1.93
2006
 13.59 -2.35 8.84 -1.40
2005
 7.28 -2.18 3.96 -1.77
2004
 11.52 -2.39 7.66 -2.46
2003
 22.34 -2.55 14.68 -1.08
2002
 -7.56 -12.50 -3.23 -6.97
2001
 -5.13 -12.36 0.67 -5.62
2000
 -3.26 -7.36 2.61 -4.51
1999
 15.58 -2.55 9.07 -2.57
1998
 16.58 -8.89 14.45 -6.25
1997
 13.04 -3.76 18.06 -2.41
1996
 10.23 -2.46 10.53 -2.15
1995
 21.48 -0.41 25.22 0.00
1994
 0.66 -4.62 -1.66 -5.98
1993
 15.69 -3.38 10.06 -1.23
1992
 3.16 -4.08 7.93 -1.27
1991
 20.78 -3.35 22.10 -1.98
1990
 -4.85 -11.27 2.76 -5.70
1989
 18.36 -1.05 19.43 -1.12
1988
 15.51 -2.43 11.34 -1.71
1987
 9.10 -14.69 1.97 -13.08
1986
 26.65 -3.93 14.89 -4.37
1985
 32.63 -1.51 25.86 -1.17
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