Ben Stein Long Term Portfolio vs Technology Portfolio Portfolio Comparison

Simulation Settings
Period: January 1976 - March 2025 (~49 years)
Consolidated Returns as of 31 March 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1976)
Inflation Adjusted:
Ben Stein Long Term Portfolio
1.00$
Initial Capital
April 1995
9.34$
Final Capital
March 2025
7.73%
Yearly Return
12.45%
Std Deviation
-45.92%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
April 1995
4.41$
Final Capital
March 2025
5.07%
Yearly Return
12.45%
Std Deviation
-46.81%
Max Drawdown
66months
Recovery Period
1.00$
Initial Capital
January 1976
116.89$
Final Capital
March 2025
10.15%
Yearly Return
12.13%
Std Deviation
-45.92%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
January 1976
20.32$
Final Capital
March 2025
6.31%
Yearly Return
12.13%
Std Deviation
-46.81%
Max Drawdown
66months
Recovery Period
Technology Portfolio
1.00$
Initial Capital
April 1995
50.21$
Final Capital
March 2025
13.94%
Yearly Return
24.01%
Std Deviation
-81.08%
Max Drawdown
175months
Recovery Period
1.00$
Initial Capital
April 1995
23.73$
Final Capital
March 2025
11.13%
Yearly Return
24.01%
Std Deviation
-82.10%
Max Drawdown
206months
Recovery Period
1.00$
Initial Capital
January 1976
732.62$
Final Capital
March 2025
14.33%
Yearly Return
22.51%
Std Deviation
-81.08%
Max Drawdown
175months
Recovery Period
1.00$
Initial Capital
January 1976
127.35$
Final Capital
March 2025
10.34%
Yearly Return
22.51%
Std Deviation
-82.10%
Max Drawdown
206months
Recovery Period

As of March 2025, in the previous 30 Years, the Ben Stein Long Term Portfolio obtained a 7.73% compound annual return, with a 12.45% standard deviation. It suffered a maximum drawdown of -45.92% that required 42 months to be recovered.

As of March 2025, in the previous 30 Years, the Technology Portfolio obtained a 13.94% compound annual return, with a 24.01% standard deviation. It suffered a maximum drawdown of -81.08% that required 175 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.

Ben Stein Long Term Portfolio
Weight
(%)		 ETF
Ticker		 Name
30.00
VTI
Vanguard Total Stock Market
20.00
EFA
iShares MSCI EAFE
10.00
EEM
iShares MSCI Emerging Markets
10.00
IJS
iShares S&P Small-Cap 600 Value
10.00
VNQ
Vanguard Real Estate
20.00
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
Technology Portfolio
Weight
(%)		 ETF
Ticker		 Name
100.00
QQQ
Invesco QQQ Trust
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Portfolio Returns as of Mar 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 1976 - 31 March 2025 (~49 years)
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Return (%) as of Mar 31, 2025
YTD
(3M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~49Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_ben_stein.webp Long Term Portfolio
Ben Stein 		0.10 -2.38 -1.89 6.04 11.79 6.77 7.73 10.15
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Technology
-- Market Benchmark 		-8.14 -7.59 -3.63 6.26 20.47 16.97 13.94 14.33
Return over 1 year are annualized.
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Capital Growth as of Mar 31, 2025

Ben Stein Long Term Portfolio: an investment of 1$, since April 1995, now would be worth 9.34$, with a total return of 833.97% (7.73% annualized).

Technology Portfolio: an investment of 1$, since April 1995, now would be worth 50.21$, with a total return of 4920.89% (13.94% annualized).


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Ben Stein Long Term Portfolio: an investment of 1$, since January 1976, now would be worth 116.89$, with a total return of 11589.25% (10.15% annualized).

Technology Portfolio: an investment of 1$, since January 1976, now would be worth 732.62$, with a total return of 73162.11% (14.33% annualized).


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Portfolio Metrics as of Mar 31, 2025

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

METRIC COMPARISON
Period: 1 April 2024 - 31 March 2025 (1 year)
Period: 1 April 2020 - 31 March 2025 (5 years)
Period: 1 April 2015 - 31 March 2025 (10 years)
Period: 1 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1976 - 31 March 2025 (~49 years)
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Long Term Portfolio Technology
Author Ben Stein
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.04 6.26
Infl. Adjusted Return (%) 3.51 3.72
DRAWDOWN
Deepest Drawdown Depth (%) -3.34 -10.08
Start to Recovery (months) 2 2*
Longest Drawdown Depth (%) -3.18 -1.68
Start to Recovery (months) 4* 3
Longest Negative Period (months) 7* 9*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 8.70 14.31
Sharpe Ratio 0.13 0.09
Sortino Ratio 0.17 0.13
Ulcer Index 1.67 3.19
Ratio: Return / Standard Deviation 0.69 0.44
Ratio: Return / Deepest Drawdown 1.81 0.62
Metrics calculated over the period 1 April 2024 - 31 March 2025
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Long Term Portfolio Technology
Author Ben Stein
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.79 20.47
Infl. Adjusted Return (%) 7.09 15.42
DRAWDOWN
Deepest Drawdown Depth (%) -20.52 -32.58
Start to Recovery (months) 26 24
Longest Drawdown Depth (%) -20.52 -32.58
Start to Recovery (months) 26 24
Longest Negative Period (months) 32 28
RISK INDICATORS
Standard Deviation (%) 12.75 21.19
Sharpe Ratio 0.73 0.85
Sortino Ratio 1.01 1.16
Ulcer Index 6.71 12.46
Ratio: Return / Standard Deviation 0.92 0.97
Ratio: Return / Deepest Drawdown 0.57 0.63
Metrics calculated over the period 1 April 2020 - 31 March 2025
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Long Term Portfolio Technology
Author Ben Stein
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.77 16.97
Infl. Adjusted Return (%) 3.58 13.47
DRAWDOWN
Deepest Drawdown Depth (%) -20.52 -32.58
Start to Recovery (months) 26 24
Longest Drawdown Depth (%) -20.52 -32.58
Start to Recovery (months) 26 24
Longest Negative Period (months) 34 28
RISK INDICATORS
Standard Deviation (%) 12.06 18.57
Sharpe Ratio 0.42 0.82
Sortino Ratio 0.56 1.12
Ulcer Index 5.93 9.45
Ratio: Return / Standard Deviation 0.56 0.91
Ratio: Return / Deepest Drawdown 0.33 0.52
Metrics calculated over the period 1 April 2015 - 31 March 2025
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Long Term Portfolio Technology
Author Ben Stein
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.73 13.94
Infl. Adjusted Return (%) 5.07 11.13
DRAWDOWN
Deepest Drawdown Depth (%) -45.92 -81.08
Start to Recovery (months) 42 175
Longest Drawdown Depth (%) -45.92 -81.08
Start to Recovery (months) 42 175
Longest Negative Period (months) 110 174
RISK INDICATORS
Standard Deviation (%) 12.45 24.01
Sharpe Ratio 0.44 0.49
Sortino Ratio 0.57 0.66
Ulcer Index 9.46 39.57
Ratio: Return / Standard Deviation 0.62 0.58
Ratio: Return / Deepest Drawdown 0.17 0.17
Metrics calculated over the period 1 April 1995 - 31 March 2025
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Long Term Portfolio Technology
Author Ben Stein
ASSET ALLOCATION
Stocks 80% 100%
Fixed Income 20% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.15 14.33
Infl. Adjusted Return (%) 6.31 10.34
DRAWDOWN
Deepest Drawdown Depth (%) -45.92 -81.08
Start to Recovery (months) 42 175
Longest Drawdown Depth (%) -45.92 -81.08
Start to Recovery (months) 42 175
Longest Negative Period (months) 110 174
RISK INDICATORS
Standard Deviation (%) 12.13 22.51
Sharpe Ratio 0.49 0.45
Sortino Ratio 0.64 0.61
Ulcer Index 7.84 31.60
Ratio: Return / Standard Deviation 0.84 0.64
Ratio: Return / Deepest Drawdown 0.22 0.18
Metrics calculated over the period 1 January 1976 - 31 March 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 April 1995 - 31 March 2025 (30 years)
Period: 1 January 1976 - 31 March 2025 (~49 years)

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Long Term Portfolio Technology
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-81.08 175 Apr 2000
Oct 2014
-45.92 42 Nov 2007
Apr 2011
-32.58 24 Jan 2022
Dec 2023
-23.11 39 Sep 2000
Nov 2003
-20.52 26 Jan 2022
Feb 2024
-19.33 11 Jan 2020
Nov 2020
-17.20 3 Aug 1998
Oct 1998
-16.96 8 Sep 2018
Apr 2019
-16.94 19 May 2011
Nov 2012
-15.80 11 May 1998
Mar 1999
-13.51 4 Feb 1997
May 1997
-12.90 3 Feb 2020
Apr 2020
-10.70 8 Sep 2018
Apr 2019
-10.50 7 Aug 1997
Feb 1998
-10.08 2* Feb 2025
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Long Term Portfolio Technology
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-81.08 175 Apr 2000
Oct 2014
-45.92 42 Nov 2007
Apr 2011
-34.57 21 Sep 1987
May 1989
-32.58 24 Jan 2022
Dec 2023
-27.93 29 Jul 1983
Nov 1985
-27.64 8 Jul 1990
Feb 1991
-25.11 18 Jun 1981
Nov 1982
-23.11 39 Sep 2000
Nov 2003
-20.52 26 Jan 2022
Feb 2024
-20.11 17 Sep 1987
Jan 1989
-19.33 11 Jan 2020
Nov 2020
-19.01 6 Feb 1980
Jul 1980
-17.69 10 Sep 1978
Jun 1979
-17.20 3 Aug 1998
Oct 1998
-16.96 8 Sep 2018
Apr 2019

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 March 2025 (~49 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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Long Term Portfolio Technology
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 0.10 -2.38 -8.14 -10.08
2024
 10.74 -3.34 25.58 -4.37
2023
 16.02 -8.92 54.86 -8.42
2022
 -14.26 -20.52 -32.58 -32.58
2021
 16.72 -3.20 27.42 -5.68
2020
 9.40 -19.33 48.40 -12.90
2019
 21.13 -4.75 38.96 -8.23
2018
 -7.39 -10.70 -0.12 -16.96
2017
 16.88 0.00 32.66 -2.32
2016
 9.22 -4.80 7.10 -8.37
2015
 -2.18 -8.57 9.45 -8.88
2014
 5.91 -3.45 19.18 -3.04
2013
 18.10 -2.66 36.63 -2.39
2012
 14.19 -7.09 18.12 -8.13
2011
 -3.35 -16.94 3.47 -10.79
2010
 13.80 -10.43 20.14 -12.93
2009
 26.25 -17.28 54.68 -7.43
2008
 -30.51 -33.62 -41.73 -43.03
2007
 5.66 -5.92 19.02 -6.83
2006
 19.42 -3.62 7.14 -11.54
2005
 10.21 -3.30 1.57 -12.37
2004
 15.66 -4.29 10.54 -9.86
2003
 30.79 -3.98 49.67 -2.90
2002
 -10.67 -17.62 -37.37 -46.75
2001
 -4.80 -15.85 -33.34 -54.93
2000
 -2.79 -8.99 -36.11 -46.69
1999
 21.76 -2.43 101.95 -9.49
1998
 7.54 -15.80 85.30 -17.20
1997
 13.81 -4.54 20.63 -13.51
1996
 15.37 -3.55 42.54 -8.14
1995
 16.95 -1.90 42.54 -3.77
1994
 -0.18 -6.15 1.50 -12.97
1993
 23.87 -3.66 10.58 -8.26
1992
 3.67 -3.34 8.86 -13.48
1991
 31.77 -4.13 64.99 -8.89
1990
 -8.84 -15.40 -10.41 -27.64
1989
 25.31 -2.86 26.17 -4.64
1988
 19.53 -2.49 13.54 -10.50
1987
 2.59 -20.11 10.50 -34.57
1986
 22.75 -4.06 6.89 -15.73
1985
 30.54 -2.54 35.61 -6.97
1984
 8.43 -3.82 -11.31 -17.55
1983
 22.02 -2.01 19.87 -13.85
1982
 10.55 -11.34 18.67 -14.55
1981
 1.38 -8.32 -3.21 -19.44
1980
 22.39 -9.78 33.88 -19.01
1979
 19.59 -7.08 28.11 -9.91
1978
 14.86 -7.96 12.31 -17.69
1977
 8.12 -1.77 7.33 -3.83
1976
 20.36 -2.40 26.10 -2.85
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