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For education, not advice. Backtests use monthly total returns of low-cost index funds as asset-class proxies. Past performance does not predict future results — a portfolio that looked great over one historical window can do poorly over the next. Fund fees beyond the index funds’ own, taxes, bid/ask, and your own behavior are not modeled.

Data: Vanguard index funds & ETFs and US CPI, via public sources. Sister projects: Earnings Gap Research · Volatility Risk Premium Lab · Options Signal Bot.

Compare portfolios

The classics, head to head, over the window they all share. The point is usually the trade-off: the higher-return mixes are the ones that fell hardest.

Choose 2–5 portfolios
Portfolio$10k grew toCAGRVolMax DDWorst yearSharpe
100% US stocks$3,574,583+10.6%15.7%-51%-37.0%0.44
Classic 60/40$1,686,731+9.2%10.0%-31%-20.2%0.49
Permanent Portfolio$1,014,874+8.2%7.0%-15%-11.8%0.54

Common window: Jan 1968 – Jul 2026 (limited by the shortest-history portfolio).

Growth of $10,000, log scale.