Vanguard Total Stock Market (VTI) to EUR: Historical Returns

Category: Stocks
Period: August 1953 - September 2024 (~71 years)
Consolidated Returns as of 30 September 2024
Currency: EUR

VTI is not denominated in EUR. Returns are simulated using exchange rates or interest rate differentials in case of currency hedging.

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1.00€
Initial Capital
October 1994
23.29€
Final Capital
September 2024
11.06%
Yearly Return
16.05
Std Deviation
-57.85%
Max Drawdown
151 months
Recovery Period

1.00€
Initial Capital
August 1953
1814.44€
Final Capital
September 2024
11.12%
Yearly Return
16.37
Std Deviation
-57.85%
Max Drawdown
151 months
Recovery Period

The Vanguard Total Stock Market (VTI) to EUR ETF covers to the following investment themes:

Asset Class: Equity
Size: Large Cap
Style: Blend
Region: North America
Country: U.S.

As of September 2024, in the previous 30 Years, the Vanguard Total Stock Market (VTI) to EUR ETF obtained a 11.06% compound annual return, with a 16.05% standard deviation. It suffered a maximum drawdown of -57.85% that required 151 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 ETFs/Assets issuers. Content is for informational, educational, illustrative and entertainment purposes only.

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The Vanguard Total Stock Market (VTI) ETF is part of the following Lazy Portfolios:

Portfolio Name	Author	VTI Weight▾	Currency
In Saecula Saeculorum To EUR	Fulvio Marchese	45.00%	EUR
In Saecula Saeculorum To EUR Hedged	Fulvio Marchese	45.00%	EUR Hedged
In Saecula Saeculorum To EUR Bond Hedged	Fulvio Marchese	45.00%	EUR

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Investment Returns as of Sep 30, 2024

The Vanguard Total Stock Market (VTI) to EUR ETF guaranteed the following returns.

Returns are calculated in EUR, assuming:

no fees or capital gain taxes.
dividend reinvestment, when applicable.
for non-EUR assets, the adjustment for actual currency exchange rates.
the actual Euro Inflation rates.

VANGUARD TOTAL STOCK MARKET (VTI) TO EUR ETF

Time Period: 1 August 1953 - 30 September 2024 (~71 years)

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	Chg (%)		Return (%)	Return (%) as of Sep 30, 2024
	1 Day	*Time ET^()**	Oct 2024	YTD (9M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~71Y)
Vanguard Total Stock Market (VTI) to EUR ETF	n.a.		n.a.	19.32	1.21	5.83	28.83	14.77	14.25	11.06	11.12
Euro Inflation Adjusted return				16.91	1.31	4.75	26.62	10.61	11.62	8.83	8.23
Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)
Euro Inflation is updated to Sep 2024. Inflation (annualized) is 1Y: 1.75% , 5Y: 3.76% , 10Y: 2.36% , 30Y: 2.05%

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Capital Growth as of Sep 30, 2024

An investment of 1€, from October 1994 to September 2024, would be worth 23.29€, with a total return of 2229.25% (11.06% annualized).

The Inflation Adjusted Capital would be 12.67€, with a net total return of 1166.67% (8.83% annualized).

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An investment of 1€, from August 1953 to September 2024, would be worth 1814.44€, with a total return of 181344.45% (11.12% annualized).

The Inflation Adjusted Capital would be 278.02€, with a net total return of 27702.06% (8.23% annualized).

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Investment Metrics as of Sep 30, 2024

Metrics of Vanguard Total Stock Market (VTI) to EUR ETF, updated as of 30 September 2024, provide a comprehensive overview of the portfolio's performance and risk characteristics.

These metrics include detailed data on returns, volatility, drawdowns and other key performance indicators. By examining them, you can gain insights into how the portfolio has performed over various time periods and understand its risk profile.

Metrics are calculated based on monthly returns, assuming:

no fees or capital gain taxes.
dividend reinvestment, when applicable.
for non-EUR assets, the adjustment for actual currency exchange rates.
the actual Euro Inflation rates.

VANGUARD TOTAL STOCK MARKET (VTI) TO EUR ETF

Advanced Metrics

Time Period: 1 August 1953 - 30 September 2024 (~71 years)

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	Metrics as of Sep 30, 2024
	YTD (9M)	1M	3M	6M	1Y	3Y	5Y	10Y	20Y	30Y	MAX (~71Y)
Investment Return (%)	19.32	1.21	2.12	5.83	28.83	11.69	14.77	14.25	11.31	11.06	11.12
Growth of 1€	1.19	1.01	1.02	1.06	1.29	1.39	1.99	3.79	8.53	23.29	1.8K
Infl. Adjusted Return (%)	16.91	1.31	2.10	4.75	26.62	6.08	10.61	11.62	9.02	8.83	8.23
Euro Inflation (%)	2.06	-0.09	0.02	1.03	1.75	5.28	3.76	2.36	2.11	2.05	2.67
Returns / Inflation rates over 1 year are annualized.
DRAWDOWN Inflation Adjusted: Inflation Adjusted:				Current	1Y	3Y	5Y	10Y	20Y	30Y	MAX
Deepest Drawdown Depth (%)				0.00	-3.66	-14.67	-20.34	-20.34	-46.93	-57.85	-57.85
Start to Recovery (# months)					3	19	7	7	56	151	151
Start (yyyy mm)					2024 04	2022 01	2020 02	2020 02	2007 06	2000 09	2000 09
Start to Bottom (# months)					1	6	2	2	21	102	102
Bottom (yyyy mm)					2024 04	2022 06	2020 03	2020 03	2009 02	2009 02	2009 02
Bottom to End (# months)					2	13	5	5	35	49	49
End (yyyy mm)					2024 06	2023 07	2020 08	2020 08	2012 01	2013 03	2013 03
Longest Drawdown Depth (%)					same	same	-14.67	-14.67	same	same	same
Start to Recovery (# months)					same	same	19	19	same	same	same
Start (yyyy mm)					2024 04	2022 01	2022 01	2022 01	2007 06	2000 09	2000 09
Start to Bottom (# months)					1	6	6	6	21	102	102
Bottom (yyyy mm)					2024 04	2022 06	2022 06	2022 06	2009 02	2009 02	2009 02
Bottom to End (# months)					2	13	13	13	35	49	49
End (yyyy mm)					2024 06	2023 07	2023 07	2023 07	2012 01	2013 03	2013 03
Longest negative period (# months)					2	24	24	24	74	154	154
Start (yyyy mm)					2024 03	2021 11	2021 11	2021 11	2005 08	2000 04	2000 04
End (yyyy mm)					2024 04	2023 10	2023 10	2023 10	2011 09	2013 01	2013 01
Annualized Return (%)					-0.54	-0.78	-0.78	-0.78	-0.53	-0.23	-0.23
Deepest Drawdown Depth (%)				0.00	-4.21	-21.70	-21.70	-21.70	-48.42	-64.73	-64.73
Start to Recovery (# months)					3	26	26	26	62	170	170
Start (yyyy mm)					2024 04	2022 01	2022 01	2022 01	2007 06	2000 09	2000 09
Start to Bottom (# months)					1	12	12	12	21	102	102
Bottom (yyyy mm)					2024 04	2022 12	2022 12	2022 12	2009 02	2009 02	2009 02
Bottom to End (# months)					2	14	14	14	41	68	68
End (yyyy mm)					2024 06	2024 02	2024 02	2024 02	2012 07	2014 10	2014 10
Longest Drawdown Depth (%)					same	same	same	same	same	same	same
Start to Recovery (# months)					same	same	same	same	same	same	same
Start (yyyy mm)					2024 04	2022 01	2022 01	2022 01	2007 06	2000 09	2000 09
Start to Bottom (# months)					1	12	12	12	21	102	102
Bottom (yyyy mm)					2024 04	2022 12	2022 12	2022 12	2009 02	2009 02	2009 02
Bottom to End (# months)					2	14	14	14	41	68	68
End (yyyy mm)					2024 06	2024 02	2024 02	2024 02	2012 07	2014 10	2014 10
Longest negative period (# months)					2	28	31	31	84	172	206
Start (yyyy mm)					2024 03	2022 01	2021 04	2021 04	2004 10	2000 04	1961 09
End (yyyy mm)					2024 04	2024 04	2023 10	2023 10	2011 09	2014 07	1978 10
Annualized Return (%)					-8.19	-0.04	-0.57	-0.57	-0.18	-0.06	-0.09
RISK INDICATORS					1Y	3Y	5Y	10Y	20Y	30Y	MAX
Standard Deviation (%)					10.32	15.26	16.58	15.16	14.31	16.05	16.37
Sharpe Ratio					2.28	0.54	0.76	0.84	0.69	0.55	0.42
Sortino Ratio					2.90	0.76	1.04	1.14	0.93	0.73	0.58
Ulcer Index					1.28	6.25	5.85	5.10	11.97	22.72	17.49
Ratio: Return / Standard Deviation					2.80	0.77	0.89	0.94	0.79	0.69	0.68
Ratio: Return / Deepest Drawdown					7.89	0.80	0.73	0.70	0.24	0.19	0.19
Positive Months (%)					75.00	58.33	63.33	63.33	63.75	62.77	62.41
Positive Months					9	21	38	76	153	226	533
Negative Months					3	15	22	44	87	134	321
LONG TERM RETURNS Inflation Adjusted: Inflation Adjusted:					1Y	3Y	5Y	10Y	20Y	30Y	MAX
Best 10 Years Return (%) - Annualized								14.25	18.52	18.52	24.59
Worst 10 Years Return (%) - Annualized								14.25	7.49	-4.48	-4.48
Best 10 Years Return (%) - Annualized								11.62	17.09	17.09	21.68
Worst 10 Years Return (%) - Annualized								11.62	5.97	-6.37	-6.37
TIMEFRAMES Inflation Adjusted: Inflation Adjusted:		1M	3M	6M	1Y	3Y	5Y	10Y	20Y	30Y	MAX
··· As of Sep 2024 - Over the previous 30Y
Best Rolling Return (%) - Annualized					75.14	40.30	34.19	18.52	11.31	11.06
Worst Rolling Return (%) - Annualized					-39.37	-19.85	-8.48	-4.48	4.23	11.06
Positive Periods (%)					78.2	79.0	76.7	84.6	100.0	100.0
Best Rolling Return (%) - Annualized					72.58	37.94	32.07	17.09	9.02	8.83
Worst Rolling Return (%) - Annualized					-40.78	-21.70	-10.50	-6.37	2.53	8.83
Positive Periods (%)					73.9	77.5	67.4	78.8	100.0	100.0
95% VaR - Value at Risk (%) - Cumulative		6.63	10.24	12.75	26.30	34.09	21.14	29.34	0.00
95% CVaR - Conditional Value at Risk (%)		8.56	13.57	17.46	31.33	41.38	29.40	32.68	0.00
99% VaR - Value at Risk (%) - Cumulative		9.79	15.71	20.48	37.12	44.89	33.55	34.83	0.00
99% CVaR - Conditional Value at Risk (%)		11.80	19.18	25.40	38.59	46.79	35.50	36.74	0.00
Short term VaRs: analytical \| 1+ year VaRs: historical data
Safe Withdrawal Rate (%)					72.40	21.16	11.93	5.63	3.57	9.64
Perpetual Withdrawal Rate (%)					---	---	---	---	1.49	8.88
% based on initial capital, inflation-adj. monthly withdrawals afterwards \| Credits: BestRetirementPortfolio.com
··· All available data (Aug 1953 - Sep 2024)
Best Rolling Return (%) - Annualized					86.10	41.53	34.19	24.59	19.38	14.10
Worst Rolling Return (%) - Annualized					-39.37	-19.85	-8.49	-4.48	4.23	8.57
Positive Periods (%)					74.9	85.7	86.4	94.1	100.0	100.0
Best Rolling Return (%) - Annualized					80.93	37.94	32.07	21.68	16.34	10.35
Worst Rolling Return (%) - Annualized					-40.78	-21.70	-13.50	-6.37	1.62	5.03
Positive Periods (%)					70.1	79.7	77.8	83.8	100.0	100.0
95% VaR - Value at Risk (%) - Cumulative		6.78	10.48	13.07	20.33	25.58	16.41	2.84	0.00	0.00
95% CVaR - Conditional Value at Risk (%)		8.74	13.88	17.88	27.66	35.16	24.48	22.78	0.00	0.00
99% VaR - Value at Risk (%) - Cumulative		10.00	16.06	20.96	32.09	41.25	30.61	31.85	0.00	0.00
99% CVaR - Conditional Value at Risk (%)		12.05	19.61	25.98	35.63	44.15	33.64	33.96	0.00	0.00
Short term VaRs: analytical \| 1+ year VaRs: historical data
Safe Withdrawal Rate (%)					72.40	20.76	11.93	5.63	3.57	4.01
Perpetual Withdrawal Rate (%)					---	---	---	---	1.49	3.53
% based on initial capital, inflation-adj. monthly withdrawals afterwards \| Credits: BestRetirementPortfolio.com

Terms and Definitions

Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio.
Deepest/Longest Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. The deepest (or maximum) drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The longest drawdown is the period observed from a peak to the subsequent peak with the greatest duration.
Longest negative period: it's the maximum period for which an overall negative return has been observed.
Standard Deviation: it's a measure of the dispersion of returns around the mean.
Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return.
Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation).
Ulcer Index: it's a measure of downside risk that quantifies the depth and duration of drawdowns in an investment portfolio.
Best/Worst 10Y returns: the best and the worst 10-year return over a time frame.
Rolling Returns: N-year returns over a time frame, calculated over all the available data source (best, worst, % of positive returns). Each rolling period, longer than the longest negative period, yielded a non-negative minimum return.
Value at Risk (VaR): it's an evaluation of a cumulative worst-case loss (in absolute value), associated with a probability (95%-99%) and a time horizon. For short term, it's calculated based on the expected return and standard deviation, assuming a normal distribution of monthly returns. For long term is retrieved by the historical rolling return data.
Conditional Value at Risk (CVaR): it represents the average expected loss if that worst-case threshold (95%-99%) is ever crossed.
Safe Withdrawal Rate (SWR): it's the percentage of the initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, without the portfolio running out of money in any case (money amount withdrawal).
For instance: Your initial invested capital is 100.000$; withdrawal rate (annualized) is 4%. This means that, in the first month, you will withdraw 100.000 * 4% * 1/12 = 333.33$. The second month, you’ll withdraw 333.33$ plus the inflation monthly rate. You’ll continue adjusting your withdraw monthly for inflation.
Perpetual Withdrawal Rate (PWR): it's the percentage of the initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, preserving the original invested capital, adjusted for inflation too.

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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.

VANGUARD TOTAL STOCK MARKET (VTI) TO EUR ETF

Drawdown periods

Drawdown periods - Inflation Adjusted

Time Period: 1 October 1994 - 30 September 2024 (30 Years)

Time Period: 1 August 1953 - 30 September 2024 (~71 years)

Inflation Adjusted:

Chart Table Range

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Rolling Returns

For a detailed rolling return analysis, click here
Vanguard Total Stock Market (VTI) to EUR ETF: Rolling Returns

A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.

VANGUARD TOTAL STOCK MARKET (VTI) TO EUR ETF

Annualized Rolling Returns

Annualized Rolling Returns - Inflation Adjusted

Time Period: 1 October 1994 - 30 September 2024 (30 Years)

Time Period: 1 August 1953 - 30 September 2024 (~71 years)

Inflation Adjusted:

Return Chart Capital Chart Table

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The values shown for the rolling periods represent key statistical points: the minimum, maximum, median, and the 15th and 85th percentiles. These percentiles give insight into the distribution of the data, indicating the range within which the central 70% of the values lie, while the median represents the middle value.

Seasonality

In which months is it better to invest in Vanguard Total Stock Market (VTI) to EUR ETF?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past. They are retrieved considering the time period from August 1953 to September 2024.

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For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns

This section provides a visual/tabular representation of the performance variability in the Vanguard Total Stock Market (VTI) to EUR ETF over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.

VANGUARD TOTAL STOCK MARKET (VTI) TO EUR ETF

Monthly Returns Distribution

Time Period: 1 October 1994 - 30 September 2024 (30 Years)

Time Period: 1 August 1953 - 30 September 2024 (~71 years)

226 Positive Months (63%) - 134 Negative Months (37%)

533 Positive Months (62%) - 321 Negative Months (38%)

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Methodology

Returns, up to December 2001, have been derived using the historical series of equivalent ETFs / Assets.
You can find additional information on extended Data Sources here.

For non-EUR assets, returns are calculated based on the performance of the original asset, adjusted for actual currency exchange rates.

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Table of contents

Investment Returns as of Sep 30, 2024

Capital Growth as of Sep 30, 2024

Investment Metrics as of Sep 30, 2024

Drawdowns

Rolling Returns

Seasonality

Monthly Returns