1
Simulation Settings
USD
CAD
EUR
GBP
JPY
AUD
CHF
The minimum date range must be at least 12 months or 24 months if you are applying filters.
'Date To' cannot be beyond September 2026.
Cashflows Reset
Stocks
Fixed Income
Commodities

US Stocks

  • VTI
    US Total Stock Market
  • VUN.TO
    US Total Stock Market
  • XD9U.DE
    US Total Stock Market
  • XDUS.L
    US Total Stock Market
  • VTV
    US Large Cap Value
  • SPY
    US Large Cap Blend (S&P 500)
  • VFV.TO
    SP500 - US Large Cap Blend
  • SXR8.DE
    SP500 - US Large Cap Blend
  • CSP1.L
    SP500 - US Large Cap Blend
  • SSO
    US Large Cap Blend (S&P 500) - 2x Lev.
  • VUG
    US Large Cap Growth
  • VOE
    US Mid Cap Value
  • IJH
    US Mid Cap Blend
  • XMC.TO
    US Mid Cap Blend
  • SPY4.DE
    US Mid Cap Blend
  • SPX4.L
    US Mid Cap Blend
  • IJK
    US Mid Cap Growth
  • IJS
    US Small Cap Value
  • ZPRV.DE
    US Small Cap Value
  • USSC.L
    US Small Cap Value
  • IJR
    US Small Cap Blend
  • XSMC.TO
    US Small Cap Blend
  • ZPRR.DE
    US Small Cap Blend
  • R2SC.L
    US Small Cap Blend
  • IJT
    US Small Cap Growth
  • IUSV
    US Value
  • XVLU.TO
    US Value
  • QDVI.DE
    US Value
  • IUVF.L
    US Value
  • IUSG
    US Growth

Global / ex-US Stocks

  • SXRT.DE
    EU - Large Cap
  • VUKG.L
    UK - Large Cap
  • XIC.TO
    Canada - Large Cap
  • CS51.L
    EU - Large Cap
  • VT
    World All Countries
  • IUSQ.DE
    World All Countries
  • SSAC.L
    World All Countries
  • XAW.TO
    World All Countries ex-Canada
  • URTH
    World Developed Countries
  • EUNL.DE
    World Developed Countries
  • SWDA.L
    World Developed Countries
  • MWEP.L
    Dev. Countries Equal Weight
  • MWEQ.DE
    Dev. Countries Equal Weight
  • EFA
    EAFE
  • XEF.TO
    EAFE
  • WEXE.DE
    Dev.Countries ex-US
  • XMWX.L
    Dev.Countries ex-US
  • EFV
    EAFE Value
  • IWFV.L
    Dev. Countries Value
  • IS3S.DE
    Dev. Countries Value
  • SCZ
    EAFE Small Cap
  • IUSN.DE
    Dev. Countries Small Cap
  • WLDS.L
    Dev. Countries Small Cap
  • IMTM
    Intl (ex US-CA) Momentum Factor
  • FCIM.NE
    Intl (ex US-CA) Momentum Factor
  • IWFM.L
    Dev. Countries Momentum Factor
  • IS3R.DE
    Dev. Countries Momentum Factor
  • IS3Q.DE
    Dev. Countries Quality Factor
  • IWFQ.L
    Dev. Countries Quality Factor
  • EEM
    Emerging Markets
  • XEC.TO
    Emerging Markets
  • IS3N.DE
    Emerging Markets
  • EMIM.L
    Emerging Markets
  • VGK
    Europe
  • VE.TO
    Europe
  • CPJ1.L
    Pacific ex-Japan
  • SXR1.DE
    Pacific ex-Japan
  • VPL
    Pacific
  • VA.TO
    Pacific
  • AAXJ
    Asia ex-Japan
  • REET
    Global REITs
  • CGR.TO
    Global REITs
  • SPY2.DE
    Global REITs
  • HPRO.L
    Global REITs
  • DWX
    Intl (ex-US) High Dividend
  • VHYG.L
    All World High Dividend
  • VGWE.DE
    All World High Dividend
  • DLS
    Intl (ex-US-CA) Small Cap Divd.

US Theme - Sectors

  • PFF
    US Preferred Stocks
  • ZUP.TO
    US Preferred Stocks
  • PRFD
    US Preferred Stocks
  • PRAC.L
    US Preferred Stocks
  • ESGV
    US ESG Stocks
  • XUSR.TO
    US ESG Stocks
  • XZMU.DE
    US ESG Stocks
  • XESU.L
    US ESG Stocks
  • QQQ
    US Nasdaq
  • QQC.TO
    US Nasdaq
  • SXRV.DE
    US Nasdaq
  • CNX1.L
    US Nasdaq
  • VNQ
    US REITs
  • IQQ7.DE
    US REITs
  • IUSP.L
    US REITs
  • XLC
    US Communication Services
  • IU5C.DE
    US Communication Services
  • GXLC.L
    US Communication Services
  • XLY
    US Consumer Discretionary
  • QDVK.DE
    US Consumer Discretionary
  • ICDU.L
    US Consumer Discretionary
  • XLP
    US Consumer Staples
  • 2B7D.DE
    US Consumer Staples
  • ICSU.L
    US Consumer Staples
  • XLE
    US Energy
  • QDVF.DE
    US Energy
  • IESU.L
    US Energy
  • XLF
    US Financials
  • XUSF.TO
    US Financials
  • QDVH.DE
    US Financials
  • UIFS.L
    US Financials
  • XLV
    US Healthcare
  • FHH.TO
    US Healthcare
  • QDVG.DE
    US Healthcare
  • IHCU.L
    US Healthcare
  • XLK
    US Information Technology
  • QDVE.DE
    US Information Technology
  • IITU.L
    US Information Technology
  • XLI
    US Industrials
  • FHG.TO
    US Industrials
  • 2B7C.DE
    US Industrials
  • IISU.L
    US Industrials
  • XLB
    US Materials
  • 2B7B.DE
    US Materials
  • IMSU.L
    US Materials
  • XLU
    US Utilities
  • 2B7A.DE
    US Utilities
  • IUSU.L
    US Utilities

US Factor - Dividends - Misc

  • MTUM
    US Momentum Factor
  • XMTM.TO
    US Momentum Factor
  • QDVA.DE
    US Momentum Factor
  • IUMF.L
    US Momentum Factor
  • RSP
    US Equal Weight
  • EQL.TO
    US Equal Weight
  • XDEW.DE
    US Equal Weight
  • XDWE.L
    US Equal Weight
  • USMV
    US Minimum Volatility
  • XMU.TO
    US Minimum Volatility
  • IBCK.DE
    US Minimum Volatility
  • MVUS.L
    US Minimum Volatility
  • QUAL
    US Quality Factor
  • XQLT.TO
    US Quality Factor
  • QDVB.DE
    US Quality Factor
  • IUQF.L
    US Quality Factor
  • VYM
    US High Dividend
  • XHU.TO
    US High Dividend
  • USDV.DE
    US High Dividend
  • USDV.L
    US High Dividend
  • DES
    US Small Cap High Dividend
  • OEF
    S&P 100
  • SNP1.DE
    S&P 100

US Fixed Income

  • BND
    US Total Bonds
  • ZUAG.TO
    US Total Bonds
  • EUNX.DE
    US Total Bonds
  • SUAG.L
    US Total Bonds
  • BSV
    US Short Term Total Bonds
  • GOVT
    US Government Bonds
  • VGTY.DE
    US Government Bonds
  • VUTA.L
    US Government Bonds
  • BIL
    US T-Bill 1-3 Months
  • ZUCM.TO
    US T-Bill 1-3 Months
  • XFFE.DE
    US Dollar Ultra Short
  • BBM3.L
    US Dollar Ultra Short
  • SHY
    US Treasury 1-3 Year
  • ZTS.NE
    US Treasury 1-3 Year
  • IUSU.DE
    US Treasury 1-3 Year
  • CU31.L
    US Treasury 1-3 Year
  • IEI
    US Treasury 3-7 Year
  • ZTM.NE
    US Treasury 3-7 Year
  • SXRL.DE
    US Treasury 3-7 Year
  • CU71.L
    US Treasury 3-7 Year
  • IEF
    US Treasury 7-10 Year
  • HTB.TO
    US Treasury 7-10 Year
  • IUSM.DE
    US Treasury 7-10 Year
  • IBTM.L
    US Treasury 7-10 Year
  • UST
    US Treasury 7-10 Year - 2x Lev.
  • TLT
    US Treasury 20+Year
  • XTLT.TO
    US Treasury 20+Year
  • IS04.DE
    US Treasury 20+Year
  • IBTL.L
    US Treasury 20+Year
  • TIP
    US Inflation Linked Bonds
  • XSTP.TO
    US Inflation Linked Bonds
  • IUST.DE
    US Inflation Linked Bonds
  • ITPS.L
    US Inflation Linked Bonds
  • CWB
    US Convertible Bonds
  • NUBD
    US ESG Aggregate Bonds
  • SPPU.DE
    US ESG Aggregate Bonds
  • UC98.L
    US ESG Aggregate Bonds
  • LQD
    US Invest. Grade Corp. Bonds
  • XCBU.TO
    US Invest. Grade Corp. Bonds
  • VUCE.DE
    US Invest. Grade Corp. Bonds
  • UC84.L
    US Invest. Grade Corp. Bonds
  • HYG
    US High Yield Corporate Bonds
  • ZJK.TO
    US High Yield Corporate Bonds
  • IS0R.DE
    US High Yield Corporate Bonds
  • SHYU.L
    US High Yield Corporate Bonds
  • SPLB
    US Long Term Corporate Bonds
  • MBB
    US Inv. Grade Mortgage Backed
  • SMBS.L
    US Inv. Grade Mortgage Backed

EU Fixed Income

  • SYBA.DE
    EU Total Bonds
  • XEON.DE
    EU Overnight Rates
  • XGLE.DE
    EU Government Bonds
  • EUN6.DE
    EU Gov. Bonds 0-1 Year
  • LYQ2.DE
    EU Gov. Bonds 1-3 Year
  • SXRP.DE
    EU Gov. Bonds 3-7 Year
  • LYXD.DE
    EU Gov. Bonds 7-10 Year
  • IBCL.DE
    EU Gov. Bonds 15-30 Year
  • IBCI.DE
    EU Inflation Linked Bonds
  • EUN4.DE
    EU ESG Aggregate Bonds
  • EUN5.DE
    EU Invest. Grade Corp. Bonds
  • XHYG.DE
    EU High Yield Corporate Bonds

CA Fixed Income

  • ZAG.TO
    CA Total Bonds
  • XGB.TO
    CA Government Bonds
  • CBIL.TO
    CA T-Bill 1-3 Months
  • ZFS.TO
    CA Gov. Bonds 1-5 Year
  • CLG.TO
    CA Gov. Bonds 1-10Y Laddered
  • ZFM.TO
    CA Gov. Bonds 5-10 Year
  • ZFL.TO
    CA Gov. Bonds 15-30 Year
  • ZRR.TO
    CA Inflation Linked Bonds
  • CVD.TO
    CA Convertible Bonds
  • XSAB.TO
    CA ESG Aggregate Bonds
  • XCB.TO
    CA Invest. Grade Corp. Bonds

UK Fixed Income

  • IGLT.L
    UK Government Bonds
  • XSTR.L
    UK Overnight Rates
  • IGL5.L
    UK Gov. Bonds 1-5 Year
  • GLTL.L
    UK Gov. Bonds 15+ Year
  • INXG.L
    UK Inflation Linked Bonds
  • IS15.L
    UK Inv. Grade Corp. 0-5y Bonds
  • UKCO.L
    UK Invest. Grade Corp. Bonds

International Fixed Income

  • BNDX
    Intl (ex-US) Total Bonds
  • BNDX
    Intl (ex-US) Total Bonds
  • SAGG.L
    Global Aggregate Bonds
  • EUNU.DE
    Global Aggregate Bonds
  • XG7S.DE
    Developed Mkts Gov. Bonds
  • XG7S.L
    Developed Mkts Gov. Bonds
  • EMB
    Emerging Markets Gov. Bonds
  • EMB
    Emerging Markets Gov. Bonds
  • IUS7.DE
    Emerging Markets Gov. Bonds
  • VEMA.L
    Emerging Markets Gov. Bonds
  • WIP
    Intl (ex-US) Infl. Linked Bonds
  • SGIL.L
    Global Inflation Linked Bonds
  • IUS5.DE
    Global Inflation Linked Bonds
  • GLCB.L
    Global Convertible Bonds
  • ZPRC.DE
    Global Convertible Bonds

Commodity

  • GLD
    Gold
  • ZGLD.TO
    Gold
  • PHAU
    Gold
  • SGLN.L
    Gold
  • UGL
    Gold - 2x Lev.
  • SLV
    Silver
  • PHAG
    Silver
  • SSLN.L
    Silver
  • DBC
    Broad Commodities
  • CCOM.TO
    Broad Commodities
  • UIQK.DE
    Broad Commodities
  • CMOP.L
    Broad Commodities
  • GSG
    Broad Commodities
  • GLTR
    Precious Metals
  • ^BTC
    Bitcoin
  • ^BTC-CAD
    Bitcoin
  • ^BTC-EUR
    Bitcoin
  • ^BTC-GBP
    Bitcoin
  • DBMF
    Managed Futures
  • DBMF.DE
    Managed Futures
  • DBMG.L
    Managed Futures
2
Portfolios and Strategy
Enter portfolio names or select an existing Lazy Portfolio (if available for the selected currency).
With a Lazy Portfolio, you can set a rebalancing strategy and a trend filter. Rebalancing has no effect on single-asset portfolios.
3
Strategy & Asset Weights
For Lazy Portfolios selected in the previous section, assets are loaded automatically. For all other portfolios, specify the strategy, assets, and weights.
Portfolio Strategy
Portfolio #1
Portfolio #2
Portfolio #3
Portfolio #4
Rebalancing
No Rebalancing OFF Yearly 1Y Half Yearly 6M Quarterly 3M 5% Weight Deviation ±5% 10% Weight Deviation ±10%
No Rebalancing OFF Yearly 1Y Half Yearly 6M Quarterly 3M 5% Weight Deviation ±5% 10% Weight Deviation ±10%
No Rebalancing OFF Yearly 1Y Half Yearly 6M Quarterly 3M 5% Weight Deviation ±5% 10% Weight Deviation ±10%
No Rebalancing OFF Yearly 1Y Half Yearly 6M Quarterly 3M 5% Weight Deviation ±5% 10% Weight Deviation ±10%
Trend Filter
+Filter
✖
+Filter
✖
+Filter
✖
+Filter
✖
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Total:
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Backtest Results

Simulation Results
Inflation Adj:
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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Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
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Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

User
TECH + US
1YRebalanced: every 12M
at every Jan 1st
Weight
(%)		 Ticker Name
50.00
SXR8.DE
iShares Core S&P 500
50.00
QDVE.DE
iShares S&P 500 Information Technology
User
VALUE + MATERIALI
1YRebalanced: every 12M
at every Jan 1st
Weight
(%)		 Ticker Name
20.00
ZPRV.DE
SPDR MSCI USA Small Cap Value Weighted
20.00
EUNL.DE
iShares Core MSCI World
20.00
SXRT.DE
iShares Core EURO STOXX 50
20.00
2B7B.DE
iShares S&P 500 Materials
20.00
IS3N.DE
iShares Core MSCI Emerg. Markets
User
ADATTABILE
1YRebalanced: every 12M
at every Jan 1st
Weight
(%)		 Ticker Name
50.00
EUNL.DE
iShares Core MSCI World
10.00
SXRT.DE
iShares Core EURO STOXX 50
10.00
IS3N.DE
iShares Core MSCI Emerg. Markets
10.00
SPY2.DE
SPDR Dow Jones Global Real Estate
10.00
ZPRV.DE
SPDR MSCI USA Small Cap Value Weighted
10.00
QDVF.DE
iShares S&P 500 Energy
User
BENCHMARK
1YOnly 1 Asset
Rebalance has no effect
Weight
(%)		 Ticker Name
100.00
IUSQ.DE
iShares MSCI ACWI

Portfolio Returns as of Dec 31, 2024

Return Comparison
Capital Growth
Inflation Adj:
Swipe left to see all data
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Portfolio Metrics as of Dec 31, 2024

The following metrics, updated as of 31 December 2024, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: ()
Book Cover: Mastering ETF Investing
LazyPortfolioETF.com Logo
Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
English Book Italian Book

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
Inflation Adj:

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

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

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.

Book Cover: Mastering ETF Investing
LazyPortfolioETF.com Logo
Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
English Book Italian Book