Data Source: from January 1987 to September 2021

Last Update: 30 September 2021

The JL Collins Simple Path to Wealth Portfolio is exposed for 75% on the Stock Market.

It's a High Risk portfolio and it can be replicated with 2 ETFs.

In the last 10 years, the portfolio obtained a 13.21% compound annual return, with a 10.28% standard deviation.

In the last 25 years, a 8.92% compound annual return, with a 11.68% standard deviation.

In 2020, the portfolio granted a 1.92% dividend yield. If you are interested in getting periodic income, please refer to the JL Collins Simple Path to Wealth Portfolio: Dividend Yield page.

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 replicated 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.

JL COLLINS SIMPLE PATH TO WEALTH PORTFOLIO RETURNS (%)
Last Update: 30 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
JL Collins Simple Path to Wealth Portfolio -3.72 -0.03 +6.66 +23.38 +13.49 +13.44 +13.21 +8.89 +8.92
Components
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
BND
Vanguard Total Bond Market
-1.01 -0.05 +1.88 -1.04 +5.36 +2.88 +2.88 +4.09 +4.86
(*) annualized
Portfolio returns are calculated assuming:
  • a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
  • the reinvestment of dividends

If you are interested in getting periodic income, please refer to the JL Collins Simple Path to Wealth Portfolio: Dividend Yield page.

Historical Returns

JL Collins Simple Path to Wealth Portfolio - Historical returns and stats.

JL COLLINS SIMPLE PATH TO WEALTH PORTFOLIO
Last Update: 30 September 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-3.72%
-3.72%
Sep 2021 - Sep 2021
0 - 1
3M
-0.03%
-3.72%
Sep 2021 - Sep 2021
2 - 1
6M
+6.66%
-3.72%
Sep 2021 - Sep 2021
5 - 1
YTD
+10.93%
-3.72%
Sep 2021 - Sep 2021
7 - 2
1Y
+23.38%
10.57%
-3.72%
Sep 2021 - Sep 2021
9 - 3
3Y
+13.49%
annualized
14.55%
-15.47%
Feb 2020 - Mar 2020
26 - 10
5Y
+13.44%
annualized
11.77%
-15.47%
Feb 2020 - Mar 2020
47 - 13
10Y
+13.21%
annualized
10.28%
-15.47%
Feb 2020 - Mar 2020
90 - 30
20Y
+8.89%
annualized
11.09%
-38.54%
Nov 2007 - Feb 2009
165 - 75
25Y
+8.92%
annualized
11.68%
-38.54%
Nov 2007 - Feb 2009
199 - 101
MAX
01 Jan 1987
+9.90%
annualized
11.56%
-38.54%
Nov 2007 - Feb 2009
279 - 138
* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with High Risk, ordered by 25 Years annualized return.

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Yale Endowment
David Swensen
+8.94% -39.46% 70 30 0 Compare
Simple Path to Wealth
JL Collins
+8.92% -38.54% 75 25 0
Talmud Portfolio
Roger Gibson
+8.85% -40.18% 66.67 33.33 0 Compare
Late Sixties and Beyond
Burton Malkiel
+8.64% -41.80% 71 29 0 Compare
Lazy Portfolio
David Swensen
+8.43% -40.88% 70 30 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

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

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+10.31% +44.15%
Apr 2020 - Mar 2021
-32.25%
Mar 2008 - Feb 2009
17.49%
2 Years
+9.90% +30.60%
Mar 2009 - Feb 2011
-18.16%
Mar 2007 - Feb 2009
11.93%
3 Years
+9.64% +25.25%
Apr 1995 - Mar 1998
-9.99%
Apr 2000 - Mar 2003
12.30%
5 Years
+9.48% +22.05%
Jan 1995 - Dec 1999
-3.08%
Mar 2004 - Feb 2009
1.40%
7 Years
+9.28% +17.50%
Oct 1990 - Sep 1997
-0.47%
Mar 2002 - Feb 2009
0.30%
10 Years
+9.04% +16.22%
Oct 1990 - Sep 2000
+0.03%
Mar 1999 - Feb 2009
0.00%
15 Years
+8.17% +11.69%
Jan 1987 - Dec 2001
+5.00%
Sep 2000 - Aug 2015
0.00%
20 Years
+8.17% +11.07%
Dec 1987 - Nov 2007
+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 and Yearly/Monthly Returns

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

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

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

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Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %
1.01
63%
0.63
66%
0.70
69%
1.59
77%
1.01
71%
0.51
63%
1.18
60%
0.12
63%
-0.01
54%
0.30
62%
1.44
74%
1.71
82%
Best
Year
10.0
1987
5.5
1998
6.2
2009
10.0
2020
7.3
1990
5.7
2019
6.7
1997
5.7
2000
6.9
2010
8.2
2011
9.1
2020
8.8
1991
Worst
Year
-6.6
2009
-7.9
2009
-10.5
2020
-4.0
2000
-5.7
2010
-6.0
2008
-5.9
2002
-11.5
1998
-6.9
2008
-17.3
1987
-6.8
2000
-6.5
2018
Statistics calculated for the period Jan 1987 - Sep 2021

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

Monthly Returns of JL Collins Simple Path to Wealth Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+10.93% -0.5 2.0 2.5 4.1 0.4 2.1 1.6 2.2 -3.7
2020
+17.70% 0.5 -5.6 -10.5 10.0 4.1 1.9 4.6 5.0 -2.7 -1.6 9.1 3.6
2019
+25.21% 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% 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% 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% -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% -1.5 3.9 -0.7 0.4 0.9 -1.5 1.5 -4.7 -2.0 5.8 0.4 -1.7
2014
+10.86% -2.0 3.7 0.3 0.3 1.8 2.0 -1.6 3.4 -1.7 2.3 2.1 0.0
2013
+24.56% 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% 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% 1.6 2.9 0.3 2.6 -0.5 -1.5 -1.3 -4.2 -5.4 8.2 -0.3 1.0
2010
+14.62% -2.4 2.6 4.7 1.9 -5.7 -4.0 5.4 -3.1 6.9 3.1 0.2 5.0
2009
+22.58% -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% -4.3 -1.8 -0.6 3.5 1.2 -6.0 -0.5 1.3 -6.9 -13.2 -4.1 3.0
2007
+5.76% 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% 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% -1.7 1.4 -1.5 -1.3 3.2 0.7 3.0 -0.5 0.3 -2.0 3.6 0.3
2004
+10.65% 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% -2.1 -0.8 0.5 6.6 4.9 1.2 1.0 2.0 -0.2 4.5 1.2 3.3
2002
-13.29% -0.5 -1.1 2.4 -2.9 -0.8 -5.0 -5.9 1.0 -6.6 4.9 4.2 -3.0
2001
-6.12% 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% -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% 2.9 -3.3 3.1 3.6 -1.7 3.8 -2.6 -0.7 -1.6 4.9 2.6 5.8
1998
+19.59% 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% 4.2 -0.1 -3.6 3.8 5.6 3.6 6.7 -3.1 4.8 -2.4 2.7 1.6
1996
+16.62% 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% 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% 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% 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% -0.4 1.1 -1.9 1.2 0.9 -1.1 3.4 -1.3 1.1 0.6 3.1 1.7
1991
+28.11% 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% -5.7 1.4 1.9 -2.4 7.3 0.0 -0.5 -7.0 -3.6 -0.5 5.2 2.5
1989
+24.50% 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% 4.1 4.2 -1.4 0.7 -0.3 4.4 -0.6 -2.1 3.4 1.6 -1.4 1.6
1987
+2.34% 10.0 3.8 1.6 -1.9 0.3 3.6 3.6 2.9 -2.1 -17.3 -5.3 5.8

* Note:
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
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