Developed World 80/20 To EUR Bond Hedged Portfolio vs Vanguard LifeStrategy Growth Fund To EUR Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - May 2025 (~49 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: EUR
Inflation: Eurozone
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Results
30 Years
All (since January 1976)
Inflation Adjusted:
Developed World 80/20 To EUR Bond Hedged Portfolio
1.00€
Initial Capital
June 1995
8.92€
Final Capital
May 2025
7.57%
Yearly Return
11.42%
Std Deviation
-43.15%
Max Drawdown
149months
Recovery Period
1.00€
Initial Capital
June 1995
4.86€
Final Capital
May 2025
5.41%
Yearly Return
11.42%
Std Deviation
-51.49%
Max Drawdown
170months
Recovery Period
1.00€
Initial Capital
January 1976
46.90€
Final Capital
May 2025
8.10%
Yearly Return
11.12%
Std Deviation
-43.15%
Max Drawdown
149months
Recovery Period
1.00€
Initial Capital
January 1976
13.91€
Final Capital
May 2025
5.47%
Yearly Return
11.12%
Std Deviation
-51.49%
Max Drawdown
170months
Recovery Period
Vanguard LifeStrategy Growth Fund To EUR Portfolio
1.00€
Initial 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€
Initial Capital
June 1995
5.97€
Final Capital
May 2025
6.14%
Yearly Return
11.85%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period
1.00€
Initial 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€
Initial Capital
January 1976
27.27€
Final Capital
May 2025
6.92%
Yearly Return
12.27%
Std Deviation
-47.53%
Max Drawdown
165months
Recovery Period

As of May 2025, in the previous 30 Years, the Developed World 80/20 To EUR Bond Hedged Portfolio obtained a 7.57% compound annual return, with a 11.42% standard deviation. It suffered a maximum drawdown of -43.15% that required 149 months to be recovered.

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.

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.

Developed World 80/20 To EUR Bond Hedged Portfolio
Weight
(%)		 Ticker Name
80.00
EUNL.DE
iShares Core MSCI World
20.00
DBZB.DE
Xtrackers Global Government Bond Eur Hedged
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
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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
Period: 1 January 1976 - 31 May 2025 (~49 years)
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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_world.webp Developed World 80/20 • Bond Hedged
-- Market Benchmark 		-3.18 4.73 -4.35 8.46 10.55 7.71 7.57 8.10
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
Return over 1 year are annualized.
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Capital Growth as of May 31, 2025

Developed World 80/20 To EUR Bond Hedged Portfolio: an investment of 1€, since June 1995, now would be worth 8.92€, with a total return of 791.68% (7.57% annualized).

Vanguard LifeStrategy Growth Fund To EUR Portfolio: an investment of 1€, since June 1995, now would be worth 10.97€, with a total return of 996.69% (8.31% annualized).


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Developed World 80/20 To EUR Bond Hedged Portfolio: an investment of 1€, since January 1976, now would be worth 46.90€, with a total return of 4589.98% (8.10% annualized).

Vanguard LifeStrategy Growth Fund To EUR Portfolio: an investment of 1€, since January 1976, now would be worth 91.92€, with a total return of 9091.94% (9.58% 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)
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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 80%
Fixed Income 20% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.46
8.61
Infl. Adjusted Return (%) 6.39 6.54
DRAWDOWN
Deepest Drawdown Depth (%) -10.76
-10.54
Start to Recovery (months)
4*
4*
Longest Drawdown Depth (%) -10.76
-10.54
Start to Recovery (months)
4*
4*
Longest Negative Period (months)
10
10
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 11.95
11.55
Sharpe Ratio 0.31
0.34
Sortino Ratio 0.43
0.46
Ulcer Index 4.20
4.05
Ratio: Return / Standard Deviation 0.71
0.75
Ratio: Return / Deepest Drawdown 0.79
0.82
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 80%
Fixed Income 20% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.55
10.82
Infl. Adjusted Return (%) 6.19 6.46
DRAWDOWN
Deepest Drawdown Depth (%) -13.89
-13.28
Start to Recovery (months)
24
24
Longest Drawdown Depth (%) -13.89
-13.28
Start to Recovery (months)
24
24
Longest Negative Period (months)
26
26
RISK INDICATORS
Standard Deviation (%) 11.13
10.83
Sharpe Ratio 0.71
0.76
Sortino Ratio 0.99
1.05
Ulcer Index 5.51
5.31
Ratio: Return / Standard Deviation 0.95
1.00
Ratio: Return / Deepest Drawdown 0.76
0.82
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 80%
Fixed Income 20% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.71
7.89
Infl. Adjusted Return (%) 5.09 5.26
DRAWDOWN
Deepest Drawdown Depth (%)
-14.67
-14.97
Start to Recovery (months)
10
10
Longest Drawdown Depth (%) -13.89
-13.28
Start to Recovery (months)
24
24
Longest Negative Period (months)
26
26
RISK INDICATORS
Standard Deviation (%) 11.21
11.12
Sharpe Ratio 0.53
0.55
Sortino Ratio 0.71
0.74
Ulcer Index 4.93
4.82
Ratio: Return / Standard Deviation 0.69
0.71
Ratio: Return / Deepest Drawdown
0.53
0.53
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 80%
Fixed Income 20% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.57
8.31
Infl. Adjusted Return (%) 5.41 6.14
DRAWDOWN
Deepest Drawdown Depth (%) -43.15
-41.28
Start to Recovery (months) 149
81
Longest Drawdown Depth (%) -43.15
-41.28
Start to Recovery (months) 149
81
Longest Negative Period (months) 151
139
RISK INDICATORS
Standard Deviation (%)
11.42
11.85
Sharpe Ratio 0.46
0.51
Sortino Ratio 0.61
0.68
Ulcer Index 15.24
13.37
Ratio: Return / Standard Deviation 0.66
0.70
Ratio: Return / Deepest Drawdown 0.18
0.20
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Author Vanguard
ASSET ALLOCATION
Stocks 80% 80%
Fixed Income 20% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.10
9.58
Infl. Adjusted Return (%) 5.47 6.92
DRAWDOWN
Deepest Drawdown Depth (%) -43.15
-41.28
Start to Recovery (months) 149
81
Longest Drawdown Depth (%) -43.15
-41.28
Start to Recovery (months) 149
81
Longest Negative Period (months) 151
139
RISK INDICATORS
Standard Deviation (%)
11.12
12.27
Sharpe Ratio 0.35
0.44
Sortino Ratio 0.45
0.58
Ulcer Index 12.63
11.32
Ratio: Return / Standard Deviation 0.73
0.78
Ratio: Return / Deepest Drawdown 0.19
0.23
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)

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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.15 149 Sep 2000
Jan 2013
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-14.97 10 Feb 2020
Nov 2020
-14.67 10 Feb 2020
Nov 2020
-14.43 7 Jul 1998
Jan 1999
-14.09 7 Jul 1998
Jan 1999
-13.89 24 Jan 2022
Dec 2023
-13.28 24 Jan 2022
Dec 2023
-10.76 4* Feb 2025
In progress
-10.54 4* Feb 2025
In progress
-10.50 20 Apr 2015
Nov 2016
-10.01 8 Apr 2015
Nov 2015
-9.89 6 Oct 2018
Mar 2019
-9.76 7 Aug 1997
Feb 1998

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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-43.15 149 Sep 2000
Jan 2013
-41.28 81 Sep 2000
May 2007
-37.94 56 Jun 2007
Jan 2012
-26.56 17 Sep 1987
Jan 1989
-23.34 21 Sep 1989
May 1991
-22.28 16 Oct 1987
Jan 1989
-19.65 27 Feb 1994
Apr 1996
-18.42 42 Sep 1989
Feb 1993
-15.32 23 Feb 1994
Dec 1995
-14.97 10 Feb 2020
Nov 2020
-14.67 10 Feb 2020
Nov 2020
-14.43 7 Jul 1998
Jan 1999
-14.09 7 Jul 1998
Jan 1999
-13.89 24 Jan 2022
Dec 2023
-13.28 24 Jan 2022
Dec 2023

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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Developed World 80/20 To EUR Bond Hedged LifeStrategy Growth Fund To EUR
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -3.18 -10.76
-3.07
-10.54
2024
 20.80 -2.04
21.28
-1.78
2023
16.69
-5.15 16.29 -5.29
2022
 -13.89 -13.89
-13.28
-13.28
2021
25.53
-1.84 25.08 -1.83
2020
5.22
-14.67 5.01 -14.97
2019
 25.98 -3.69
26.06
-3.93
2018
-4.18
-9.89 -4.18 -9.55
2017
 6.14 -3.22
7.13
-2.77
2016
 9.17 -5.02
9.98
-5.07
2015
8.80
-10.01 7.81 -10.50
2014
 17.91 -0.94
18.69
-1.37
2013
17.35
-2.76 16.38 -2.70
2012
 10.75 -2.20
11.81
-2.02
2011
 -1.34 -10.40
-0.69
-10.80
2010
 16.19 -3.98
17.06
-3.77
2009
 23.50 -7.72
24.65
-8.12
2008
 -30.55 -30.55
-29.01
-29.01
2007
 0.17 -5.27
1.22
-4.85
2006
 6.81 -5.33
7.18
-5.41
2005
 20.94 -2.68
21.21
-2.27
2004
 4.98 -2.18
6.20
-1.95
2003
 9.68 -6.38
10.59
-5.69
2002
 -23.05 -24.22
-22.90
-26.11
2001
 -10.52 -20.59
-6.82
-18.65
2000
 -3.72 -11.81
-3.16
-13.35
1999
38.00
-2.09 37.45 -5.13
1998
 11.89 -14.43
12.95
-14.09
1997
 24.78 -9.00
29.95
-9.76
1996
20.40
-5.28 19.59 -5.63
1995
 7.53 -6.99
15.32
-3.34
1994
 -10.29 -13.62
-9.70
-12.40
1993
 30.25 -1.84
31.02
-1.87
1992
 5.21 -11.69
9.58
-11.52
1991
 12.47 -6.41
24.82
-7.53
1990
-12.85
-15.26 -15.00 -18.18
1989
 13.85 -6.46
21.00
-6.95
1988
 21.45 -2.46
27.90
-3.76
1987
-9.08
-22.28 -9.89 -26.56
1986
9.07
-4.36 7.72 -7.67
1985
21.11
-2.68 13.25 -6.95
1984
 9.37 -8.28
16.36
-7.29
1983
 30.13 -1.04
34.06
-1.02
1982
 16.10 -1.84
21.78
-1.81
1981
 9.95 -9.81
11.06
-10.11
1980
 25.71 -3.54
30.91
-4.10
1979
 4.14 -5.19
7.21
-6.09
1978
4.10
-7.39 3.17 -8.66
1977
2.40
-2.08 -1.27 -3.18
1976
 5.41 -5.81
14.79
-3.42
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