Data Source: from January 1972 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.09%
1 Day
Jul 05 2022, 02:59PM Eastern Time
0.90%
Current Month
July 2022

The JL Collins Simple Path to Wealth Portfolio is a High Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 75% on the Stock Market.

In the last 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 8.84% compound annual return, with a 11.28% standard deviation.

Asset Allocation and ETFs

The JL Collins Simple Path to Wealth Portfolio has the following asset allocation:

75% Stocks
25% Fixed Income
0% Commodities

The JL Collins Simple Path to Wealth Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
75.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
25.00 % BND Vanguard Total Bond Market Bond, U.S., All-Term
Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The JL Collins Simple Path to Wealth Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1972.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
JL COLLINS SIMPLE PATH TO WEALTH PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:59PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
JL Collins Simple Path to Wealth Portfolio -0.09 0.90 -6.51 -18.58 -12.83 8.32 9.90 8.84
US Inflation Adjusted return -6.51 -21.75 -18.97 4.55 7.26 6.22
Components
VTI
Vanguard Total Stock Market 		-0.20 02:59PM
Jul 05 2022 		0.85 -8.23 -21.32 -14.17 10.53 12.52 9.81
BND
Vanguard Total Bond Market 		0.23 02:59PM
Jul 05 2022 		1.03 -1.66 -10.35 -10.42 0.84 1.40 4.63
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the JL Collins Simple Path to Wealth Portfolio granted a 1.65% dividend yield. If you are interested in getting periodic income, please refer to the JL Collins Simple Path to Wealth Portfolio: Dividend Yield page.

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Historical Returns as of Jun 30, 2022

Historical returns and stats of JL Collins Simple Path to Wealth Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

JL COLLINS SIMPLE PATH TO WEALTH PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1972 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022		 Return (%)
Infl.Adj.		 Standard
Deviation (%)		 Max
Drawdown (%)		 Months
Pos - Neg
1M
Jun 2022
-6.51
-6.51
-6.51
Jun 2022 - Jun 2022
0 - 1
3M
-13.82
-14.94
-13.82
Apr 2022 - Jun 2022
1 - 2
6M
-18.58
-21.75
-18.58
Jan 2022 - Jun 2022
2 - 4
YTD
-18.58
-21.75
-18.58
Jan 2022 - Jun 2022
2 - 4
1Y
-12.83
-18.97
13.48
-18.58
Jan 2022 - Jun 2022
6 - 6
50% pos
3Y(*)
7.25
2.62
14.64
-18.58
Jan 2022 - Jun 2022
24 - 12
67% pos
5Y(*)
8.32
4.55
13.28
-18.58
Jan 2022 - Jun 2022
43 - 17
72% pos
10Y(*)
9.90
7.26
10.76
-18.58
Jan 2022 - Jun 2022
88 - 32
73% pos
15Y(*)
7.49
5.07
12.21
-38.53
Nov 2007 - Feb 2009
122 - 58
68% pos
20Y(*)
8.15
5.57
11.36
-38.53
Nov 2007 - Feb 2009
165 - 75
69% pos
25Y(*)
7.51
4.96
11.85
-38.53
Nov 2007 - Feb 2009
197 - 103
66% pos
30Y(*)
8.84
6.22
11.28
-38.53
Nov 2007 - Feb 2009
242 - 118
67% pos
MAX(*)
01 Jan 1972
9.66
5.49
11.99
-38.53
Nov 2007 - Feb 2009
389 - 217
64% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 12702.99$, with a total return of 1170.30% (8.84% annualized).

The Inflation Adjusted Capital now would be 6105.82$, with a net total return of 510.58% (6.22% annualized).
An investment of 1000$, since January 1972, now would be worth 105462.91$, with a total return of 10446.29% (9.66% annualized).

The Inflation Adjusted Capital now would be 14871.05$, with a net total return of 1387.11% (5.49% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-38.53% Nov 2007 Feb 2009 16 Dec 2010 22 38
-30.50% Sep 2000 Sep 2002 25 Dec 2004 27 52
-18.58% Jan 2022 Jun 2022 6 in progress 6
-15.46% Feb 2020 Mar 2020 2 Jul 2020 4 6
-13.02% Jul 1998 Aug 1998 2 Nov 1998 3 5
-12.27% May 2011 Sep 2011 5 Feb 2012 5 10
-10.58% Oct 2018 Dec 2018 3 Apr 2019 4 7
-6.83% Feb 1994 Jun 1994 5 Feb 1995 8 13
-6.60% Jun 2015 Sep 2015 4 May 2016 8 12
-6.51% Apr 2000 May 2000 2 Aug 2000 3 5
-4.80% Apr 2012 May 2012 2 Aug 2012 3 5
-4.79% Jul 1999 Sep 1999 3 Nov 1999 2 5
-4.59% May 2019 May 2019 1 Jun 2019 1 2
-4.42% Jun 1996 Jul 1996 2 Sep 1996 2 4
-4.38% Feb 2018 Mar 2018 2 Jul 2018 4 6
-4.25% Sep 2020 Oct 2020 2 Nov 2020 1 3
-3.89% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.72% Sep 2021 Sep 2021 1 Oct 2021 1 2
-3.67% Feb 1997 Mar 1997 2 May 1997 2 4
-3.25% Feb 1999 Feb 1999 1 Apr 1999 2 3
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-38.53% Nov 2007 Feb 2009 16 Dec 2010 22 38
-34.54% Jan 1973 Sep 1974 21 Jan 1976 16 37
-30.50% Sep 2000 Sep 2002 25 Dec 2004 27 52
-23.27% Sep 1987 Nov 1987 3 Apr 1989 17 20
-18.58% Jan 2022 Jun 2022 6 in progress 6
-15.46% Feb 2020 Mar 2020 2 Jul 2020 4 6
-13.02% Jul 1998 Aug 1998 2 Nov 1998 3 5
-12.27% May 2011 Sep 2011 5 Feb 2012 5 10
-11.23% Jun 1990 Oct 1990 5 Feb 1991 4 9
-10.83% Dec 1980 Sep 1981 10 Aug 1982 11 21
-10.58% Oct 2018 Dec 2018 3 Apr 2019 4 7
-10.43% Feb 1980 Mar 1980 2 May 1980 2 4
-9.36% Sep 1978 Oct 1978 2 Mar 1979 5 7
-8.53% Jul 1983 May 1984 11 Aug 1984 3 14
-7.03% Jan 1977 Feb 1978 14 Apr 1978 2 16
-6.87% Oct 1979 Oct 1979 1 Dec 1979 2 3
-6.83% Feb 1994 Jun 1994 5 Feb 1995 8 13
-6.60% Jun 2015 Sep 2015 4 May 2016 8 12
-6.51% Apr 2000 May 2000 2 Aug 2000 3 5
-6.46% Sep 1986 Sep 1986 1 Jan 1987 4 5

Rolling Returns ( more details)

JL Collins Simple Path to Wealth Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 10.83 56.54
Jul 1982 - Jun 1983 		-32.25
Mar 2008 - Feb 2009 		19.33%
2 Years
 10.48 30.60
Mar 2009 - Feb 2011 		-18.16
Mar 2007 - Feb 2009 		11.66%
3 Years
 10.48 26.68
Aug 1984 - Jul 1987 		-9.99
Apr 2000 - Mar 2003 		10.33%
5 Years
 10.52 24.27
Aug 1982 - Jul 1987 		-3.08
Mar 2004 - Feb 2009 		0.91%
7 Years
 10.54 19.66
Apr 1980 - Mar 1987 		-0.47
Mar 2002 - Feb 2009 		0.19%
10 Years
 10.57 16.47
Sep 1977 - Aug 1987 		0.03
Mar 1999 - Feb 2009 		0.00%
15 Years
 10.40 16.43
Aug 1982 - Jul 1997 		5.00
Sep 2000 - Aug 2015 		0.00%
20 Years
 10.38 15.70
Apr 1980 - Mar 2000 		5.35
Apr 2000 - Mar 2020 		0.00%
(*) Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the JL Collins Simple Path to Wealth Portfolio: Rolling Returns page.

Seasonality

JL Collins Simple Path to Wealth Portfolio: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %		 1.13
61% 		0.45
61% 		0.76
69% 		1.31
73% 		0.93
67% 		0.61
61% 		0.69
50% 		0.51
62% 		-0.21
54% 		0.73
64% 		1.69
74% 		1.39
76%
Best
Year		 10.7
1975 		6.1
1986 		6.2
2009 		10.0
2020 		7.2
1990 		5.7
2019 		6.6
1997 		9.9
1982 		6.9
2010 		11.6
1974 		9.1
2020 		8.8
1991
Worst
Year		 -6.6
2009 		-7.9
2009 		-10.5
2020 		-7.8
2022 		-5.7
2010 		-6.5
2022 		-5.9
2002 		-11.5
1998 		-6.9
2008 		-17.3
1987 		-8.6
1973 		-6.5
2018
Statistics calculated for the period Jan 1972 - Jun 2022

Monthly/Yearly Returns

JL Collins Simple Path to Wealth Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
389 Positive Months (64%) - 217 Negative Months (36%)
Jan 1972 - Jun 2022
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
 -18.58 -21.75 -5.1 -2.1 1.7 -7.8 0.0 -6.5
2021
 +18.79 +10.92 -0.5 2.0 2.5 4.1 0.4 2.1 1.6 2.2 -3.7 5.2 -1.1 2.9
2020
 +17.70 +16.21 0.4 -5.5 -10.5 10.0 4.1 1.9 4.6 5.0 -2.7 -1.6 9.1 3.6
2019
 +25.21 +22.44 6.7 2.7 1.5 3.0 -4.6 5.7 1.1 -1.0 1.2 1.7 2.9 2.2
2018
 -3.94 -5.74 3.6 -3.1 -1.3 0.1 2.2 0.5 2.5 2.8 0.0 -5.9 1.7 -6.5
2017
 +16.80 +14.37 1.4 2.9 0.0 1.0 0.9 0.7 1.5 0.3 1.8 1.7 2.3 1.0
2016
 +10.25 +8.03 -4.0 0.2 5.5 0.6 1.3 0.7 3.1 0.1 0.2 -1.9 2.7 1.6
2015
 +0.41 -0.23 -1.5 3.9 -0.7 0.4 0.9 -1.5 1.5 -4.7 -2.0 5.8 0.4 -1.6
2014
 +10.86 +10.14 -2.0 3.7 0.3 0.2 1.8 2.0 -1.6 3.4 -1.7 2.2 2.1 0.0
2013
 +24.56 +22.71 3.9 1.1 3.0 1.5 1.4 -1.5 4.6 -2.6 3.3 3.5 2.1 2.1
2012
 +13.13 +11.17 4.0 3.2 2.2 -0.2 -4.6 3.1 1.0 2.1 2.0 -1.4 0.7 0.8
2011
 +2.71 -0.35 1.6 2.9 0.3 2.6 -0.5 -1.5 -1.3 -4.1 -5.4 8.2 -0.3 1.0
2010
 +14.62 +12.99 -2.4 2.6 4.7 1.9 -5.7 -4.0 5.3 -3.1 6.9 3.1 0.2 5.0
2009
 +22.58 +19.22 -6.6 -7.9 6.2 8.2 4.3 0.4 6.2 3.1 3.4 -2.0 4.7 1.9
2008
 -26.02 -26.00 -4.3 -1.8 -0.5 3.5 1.2 -6.0 -0.4 1.3 -6.9 -13.2 -4.1 3.0
2007
 +5.76 +1.58 1.4 -0.9 0.8 3.1 2.6 -1.4 -2.5 1.4 3.1 1.6 -3.0 -0.5
2006
 +12.84 +10.06 2.4 0.3 1.3 0.7 -2.5 0.1 0.2 2.1 1.9 2.9 2.0 0.8
2005
 +5.33 +1.93 -1.7 1.4 -1.5 -1.3 3.1 0.7 3.0 -0.5 0.3 -2.0 3.6 0.3
2004
 +10.65 +7.07 2.2 1.3 -0.6 -2.3 1.0 1.7 -2.5 0.5 1.3 1.6 3.4 2.8
2003
 +24.06 +21.58 -2.1 -0.8 0.5 6.6 4.8 1.2 1.0 2.0 -0.2 4.5 1.2 3.3
2002
 -13.29 -15.39 -0.5 -1.1 2.4 -2.9 -0.8 -5.0 -5.9 1.0 -6.6 4.8 4.2 -3.0
2001
 -6.12 -7.60 3.3 -6.9 -4.8 5.7 0.9 -1.1 -0.7 -4.0 -6.1 2.3 4.8 1.1
2000
 -5.08 -8.24 -3.2 2.2 4.6 -4.0 -2.6 3.8 -1.2 5.7 -3.3 -1.4 -6.8 1.8
1999
 +17.67 +14.60 2.9 -3.2 3.1 3.6 -1.7 3.8 -2.6 -0.7 -1.6 4.9 2.6 5.8
1998
 +19.59 +17.70 0.7 5.5 3.9 1.0 -1.9 2.9 -1.7 -11.5 5.4 5.4 4.8 5.0
1997
 +25.61 +23.51 4.2 -0.1 -3.6 3.8 5.6 3.6 6.6 -3.1 4.8 -2.4 2.7 1.6
1996
 +16.62 +12.81 2.2 0.8 0.7 1.7 2.0 -0.4 -4.1 2.3 4.5 1.6 5.7 -1.2
1995
 +31.38 +28.14 2.1 3.6 2.2 2.2 3.6 2.4 3.0 1.1 3.0 -0.6 3.5 1.5
1994
 -0.79 -3.30 2.7 -2.1 -3.9 0.5 0.7 -2.1 2.8 3.3 -1.8 1.2 -2.8 1.1
1993
 +10.39 +7.37 1.2 0.8 1.9 -1.9 2.3 0.9 0.0 3.4 0.1 1.3 -1.5 1.5
1992
 +8.62 +5.49 -0.4 1.1 -1.9 1.2 0.9 -1.1 3.4 -1.3 1.1 0.5 3.1 1.7
1991
 +28.11 +24.40 4.0 5.4 2.4 0.5 3.2 -3.5 4.0 2.5 -0.5 1.5 -2.8 8.8
1990
 -2.40 -8.14 -5.7 1.4 1.9 -2.3 7.2 0.0 -0.5 -7.0 -3.6 -0.5 5.2 2.5
1989
 +24.50 +18.98 5.2 -1.5 1.7 4.1 3.6 0.5 6.3 1.4 -0.1 -1.7 1.4 1.6
1988
 +14.83 +9.97 4.1 4.2 -1.4 0.7 -0.3 4.4 -0.6 -2.1 3.3 1.6 -1.4 1.6
1987
 +2.34 -1.91 10.0 3.8 1.6 -1.9 0.3 3.6 3.6 2.9 -2.1 -17.3 -5.3 5.8
1986
 +14.71 +13.36 0.8 6.1 5.3 -0.5 3.2 1.7 -4.2 5.6 -6.5 3.9 1.3 -2.2
1985
 +29.02 +24.30 7.4 0.9 0.1 0.4 5.6 1.5 -0.1 -0.1 -2.9 3.8 5.7 3.9
1984
 +5.39 +1.30 -0.6 -3.1 0.7 0.2 -4.8 2.0 -0.4 8.5 0.5 1.1 -0.4 2.1
1983
 +18.30 +13.98 3.1 2.9 2.4 6.2 0.6 3.0 -3.0 0.3 2.0 -2.1 2.6 -0.8
1982
 +23.16 +18.62 -1.9 -3.4 -0.7 4.0 -1.6 -2.2 -0.2 9.9 2.5 9.9 4.2 1.6
1981
 -0.76 -8.88 -3.0 0.6 4.1 -1.6 1.7 -0.7 -0.8 -4.7 -4.5 6.1 5.6 -2.9
1980
 +25.59 +11.78 4.4 -1.6 -8.9 6.5 5.6 3.4 4.8 0.6 2.3 1.1 8.3 -2.2
1979
 +19.52 +5.54 4.2 -2.2 5.2 0.7 -0.6 4.0 1.0 4.8 0.2 -6.9 5.8 2.4
1978
 +6.63 -2.17 -4.2 -0.7 2.6 6.2 1.7 -0.9 4.5 3.4 -0.4 -9.0 3.0 1.1
1977
 -2.26 -8.38 -3.4 -1.2 -0.5 0.5 -0.6 4.1 -1.2 -0.8 0.1 -3.1 3.6 0.6
1976
 +23.29 +17.38 9.7 0.6 2.3 -0.6 -1.0 3.8 -0.3 0.3 2.1 -1.2 1.2 4.7
1975
 +30.20 +21.54 10.7 4.9 2.2 3.3 5.0 4.1 -5.0 -1.8 -3.1 5.3 2.4 -0.4
1974
 -19.44 -28.13 0.2 0.3 -2.3 -3.8 -2.7 -1.8 -5.2 -6.2 -6.8 11.6 -2.2 -1.4
1973
 -12.52 -19.70 -2.1 -3.4 -0.5 -3.5 -1.6 -0.6 3.1 -1.3 4.7 0.0 -8.6 1.0
1972
 +13.90 +10.15 1.9 2.6 0.4 0.8 1.5 -1.7 -0.2 2.7 -0.4 0.8 4.0 0.9

Portofolio Returns, up to December 2007, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

  • VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
  • BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007

Portfolio efficiency

Is the JL Collins Simple Path to Wealth Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The JL Collins Simple Path to Wealth Portfolio is classified as High Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
High Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +7.51%
(+4.96%)
Average : 2.2 / 5
Good : 3.2 / 5
Standard Deviation
over 25 Years		 11.85%
Bad : 1.2 / 5
Average : 2.9 / 5
Maximum Drawdown
over 25 Years		 -38.53%
Bad : 1.6 / 5
Average : 2.6 / 5
Easy to manage 2 ETFs
Excellent : 4.5 / 5
Excellent : 4.5 / 5
Rating assigned considering all the High Risk Portfolios Rating assigned considering all the Portfolios in the database

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30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return▾ Drawdown Stocks Bonds Comm
Simple Path to Wealth
JL Collins 		+0.90 +8.84 -38.53 75 25 0
Yale Endowment
David Swensen 		+0.54 +8.66 -39.48 70 30 0
Late Sixties and Beyond
Burton Malkiel 		+0.07 +8.59 -41.80 71 29 0
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Roger Gibson 		+0.94 +8.56 -40.17 66.7 33.3 0
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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 03:00PM Eastern Time.
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