Andrew Tobias Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings
Period: January 1970 - June 2025 (~56 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1970/01 - 2025/06)
Inflation Adjusted:
Andrew Tobias Portfolio
1.00$
Invested Capital
July 1995
7.21$
Final Capital
June 2025
6.81%
Yearly Return
9.99%
Std Deviation
-36.42%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
July 1995
3.43$
Final Capital
June 2025
4.19%
Yearly Return
9.99%
Std Deviation
-37.47%
Max Drawdown
66months
Recovery Period
1.00$
Invested Capital
January 1970
106.18$
Final Capital
June 2025
8.77%
Yearly Return
10.35%
Std Deviation
-36.42%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1970
12.48$
Final Capital
June 2025
4.65%
Yearly Return
10.35%
Std Deviation
-40.41%
Max Drawdown
124months
Recovery Period
JL Collins Simple Path to Wealth Portfolio
1.00$
Invested Capital
July 1995
13.78$
Final Capital
June 2025
9.14%
Yearly Return
11.85%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
July 1995
6.55$
Final Capital
June 2025
6.47%
Yearly Return
11.85%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1970
199.32$
Final Capital
June 2025
10.01%
Yearly Return
12.13%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1970
23.43$
Final Capital
June 2025
5.85%
Yearly Return
12.13%
Std Deviation
-45.02%
Max Drawdown
123months
Recovery Period

As of June 2025, in the previous 30 Years, the Andrew Tobias Portfolio obtained a 6.81% compound annual return, with a 9.99% standard deviation. It suffered a maximum drawdown of -36.42% that required 42 months to be recovered.

As of June 2025, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.14% compound annual return, with a 11.85% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 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.

Andrew Tobias Portfolio
Weight
(%)		 Ticker Name
33.34
VTI
Vanguard Total Stock Market
33.33
EFA
iShares MSCI EAFE
33.33
SHY
iShares 1-3 Year Treasury Bond
JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of Jun 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/07 - 2025/06)
All Data
(1970/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Andrew Tobias Andrew Tobias Portfolio
Andrew Tobias 		1 $ 7.21 $ 621.50% 6.81%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 13.78 $ 1 278.32% 9.14%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Andrew Tobias Andrew Tobias Portfolio
Andrew Tobias 		1 $ 3.43 $ 242.90% 4.19%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 6.55 $ 555.07% 6.47%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Andrew Tobias Andrew Tobias Portfolio
Andrew Tobias 		1 $ 106.18 $ 10 517.52% 8.77%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 199.32 $ 19 831.86% 10.01%
Jan 1970 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Andrew Tobias Andrew Tobias Portfolio
Andrew Tobias 		1 $ 12.48 $ 1 148.29% 4.65%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 23.43 $ 2 243.37% 5.85%
Jan 1970 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~56Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_andrew_tobias.webp Andrew Tobias Portfolio
Andrew Tobias 		9.52 2.69 9.52 13.20 9.62 7.20 6.81 8.77
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		5.18 4.24 5.18 12.99 11.74 10.23 9.14 10.01
Returns over 1 year are annualized.
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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 July 2024 - 30 June 2025 (1 year)
Period: 1 July 2020 - 30 June 2025 (5 years)
Period: 1 July 2015 - 30 June 2025 (10 years)
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1970 - 30 June 2025 (~56 years)
1 Year
5 Years
10 Years
30 Years
All (1970/01 - 2025/06)
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Andrew Tobias Portfolio Simple Path to Wealth
Author Andrew Tobias JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 13.20 12.99
Infl. Adjusted (%) 10.52 10.31
DRAWDOWN
Deepest Drawdown Depth (%) -2.23 -6.01
Start to Recovery (months) 2 7
Longest Drawdown Depth (%) -1.70 -6.01
Start to Recovery (months) 3 7
Longest Negative Period (months) 6 8
RISK INDICATORS
Standard Deviation (%) 6.60 9.99
Sharpe Ratio 1.30 0.84
Sortino Ratio 1.62 1.13
Ulcer Index 0.96 2.51
Ratio: Return / Standard Deviation 2.00 1.30
Ratio: Return / Deepest Drawdown 5.93 2.16
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Andrew Tobias Portfolio Simple Path to Wealth
Author Andrew Tobias JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.62 11.74
Infl. Adjusted (%) 4.88 6.90
DRAWDOWN
Deepest Drawdown Depth (%) -18.85 -22.24
Start to Recovery (months) 24 25
Longest Drawdown Depth (%) -18.85 -22.24
Start to Recovery (months) 24 25
Longest Negative Period (months) 31 31
RISK INDICATORS
Standard Deviation (%) 10.56 13.41
Sharpe Ratio 0.66 0.68
Sortino Ratio 0.90 0.91
Ulcer Index 5.87 8.03
Ratio: Return / Standard Deviation 0.91 0.88
Ratio: Return / Deepest Drawdown 0.51 0.53
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Andrew Tobias Portfolio Simple Path to Wealth
Author Andrew Tobias JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.20 10.23
Infl. Adjusted (%) 4.03 6.97
DRAWDOWN
Deepest Drawdown Depth (%) -18.85 -22.24
Start to Recovery (months) 24 25
Longest Drawdown Depth (%) -18.85 -22.24
Start to Recovery (months) 24 25
Longest Negative Period (months) 31 31
RISK INDICATORS
Standard Deviation (%) 9.91 12.46
Sharpe Ratio 0.54 0.67
Sortino Ratio 0.72 0.89
Ulcer Index 4.94 6.22
Ratio: Return / Standard Deviation 0.73 0.82
Ratio: Return / Deepest Drawdown 0.38 0.46
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Andrew Tobias Portfolio Simple Path to Wealth
Author Andrew Tobias JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.81 9.14
Infl. Adjusted (%) 4.19 6.47
DRAWDOWN
Deepest Drawdown Depth (%) -36.42 -38.53
Start to Recovery (months) 42 38
Longest Drawdown Depth (%) -25.91 -30.50
Start to Recovery (months) 55 52
Longest Negative Period (months) 111 122
RISK INDICATORS
Standard Deviation (%) 9.99 11.85
Sharpe Ratio 0.45 0.58
Sortino Ratio 0.60 0.76
Ulcer Index 8.57 9.48
Ratio: Return / Standard Deviation 0.68 0.77
Ratio: Return / Deepest Drawdown 0.19 0.24
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Andrew Tobias Portfolio Simple Path to Wealth
Author Andrew Tobias JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.77 10.01
Infl. Adjusted (%) 4.65 5.85
DRAWDOWN
Deepest Drawdown Depth (%) -36.42 -38.53
Start to Recovery (months) 42 38
Longest Drawdown Depth (%) -25.91 -30.50
Start to Recovery (months) 55 52
Longest Negative Period (months) 111 122
RISK INDICATORS
Standard Deviation (%) 10.35 12.13
Sharpe Ratio 0.42 0.46
Sortino Ratio 0.57 0.62
Ulcer Index 7.29 8.47
Ratio: Return / Standard Deviation 0.85 0.83
Ratio: Return / Deepest Drawdown 0.24 0.26
Metrics calculated over the period 1 January 1970 - 30 June 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 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1970 - 30 June 2025 (~56 years)
30 Years
(1995/07 - 2025/06)

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Andrew Tobias Portfolio Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-36.42 42 Nov 2007
Apr 2011
-30.50 52 Sep 2000
Dec 2004
-25.91 55 Apr 2000
Oct 2004
-22.24 25 Jan 2022
Jan 2024
-18.85 24 Jan 2022
Dec 2023
-15.46 6 Feb 2020
Jul 2020
-13.71 8 Jan 2020
Aug 2020
-13.69 20 May 2011
Dec 2012
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-10.58 7 Oct 2018
Apr 2019
-9.73 5 Jul 1998
Nov 1998
-8.88 15 Feb 2018
Apr 2019
-8.81 19 Jun 2015
Dec 2016

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Andrew Tobias Portfolio Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-36.42 42 Nov 2007
Apr 2011
-34.54 37 Jan 1973
Jan 1976
-30.50 52 Sep 2000
Dec 2004
-29.06 30 Jan 1973
Jun 1975
-25.91 55 Apr 2000
Oct 2004
-23.27 20 Sep 1987
Apr 1989
-22.24 25 Jan 2022
Jan 2024
-18.85 24 Jan 2022
Dec 2023
-15.46 6 Feb 2020
Jul 2020
-14.84 10 Mar 1970
Dec 1970
-14.68 15 Sep 1987
Nov 1988
-13.78 8 Apr 1970
Nov 1970
-13.71 8 Jan 2020
Aug 2020
-13.69 20 May 2011
Dec 2012

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 1970 - 30 June 2025 (~56 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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Andrew Tobias Portfolio Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 9.52 -1.70 5.18 -5.64
2024
 10.41 -2.74 18.20 -3.90
2023
 16.14 -6.53 20.89 -8.12
2022
 -12.58 -18.85 -17.91 -22.24
2021
 12.14 -2.75 18.79 -3.72
2020
 10.55 -13.71 17.70 -15.46
2019
 18.69 -3.79 25.21 -4.59
2018
 -5.85 -8.88 -3.94 -10.58
2017
 15.52 0.00 16.80 0.00
2016
 5.01 -4.55 10.25 -3.99
2015
 -0.07 -7.19 0.41 -6.60
2014
 2.26 -2.72 10.86 -1.99
2013
 18.36 -1.78 24.56 -2.57
2012
 11.85 -6.75 13.13 -4.80
2011
 -3.28 -13.69 2.71 -12.27
2010
 9.28 -8.62 14.62 -9.46
2009
 18.73 -13.67 22.58 -13.96
2008
 -23.80 -25.97 -26.02 -28.15
2007
 7.55 -3.36 5.76 -3.89
2006
 15.13 -2.38 12.84 -2.48
2005
 7.05 -2.58 5.33 -3.14
2004
 10.80 -2.56 10.65 -2.89
2003
 24.42 -3.85 24.06 -2.85
2002
 -9.29 -13.73 -13.29 -18.79
2001
 -8.37 -14.61 -6.12 -16.19
2000
 -5.34 -8.80 -5.08 -11.10
1999
 21.21 -2.27 17.67 -4.79
1998
 15.71 -9.73 19.59 -13.02
1997
 12.04 -3.41 25.61 -3.67
1996
 10.01 -2.86 16.62 -4.42
1995
 17.29 -0.92 31.38 -0.57
1994
 3.04 -3.64 -0.79 -6.83
1993
 15.62 -4.17 10.39 -1.89
1992
 0.36 -4.79 8.62 -1.93
1991
 17.79 -3.72 28.11 -3.49
1990
 -6.98 -12.76 -2.40 -11.23
1989
 17.49 -1.63 24.50 -1.72
1988
 16.22 -2.96 14.83 -2.69
1987
 12.63 -14.68 2.34 -23.27
1986
 29.43 -4.56 14.71 -6.46
1985
 33.71 -1.51 29.02 -3.12
1984
 7.84 -4.83 5.39 -7.49
1983
 18.09 -2.37 18.30 -2.99
1982
 13.56 -8.27 23.16 -6.05
1981
 2.58 -7.29 -0.76 -10.31
1980
 21.48 -8.62 25.59 -10.43
1979
 12.34 -6.12 19.52 -6.87
1978
 14.77 -6.05 6.63 -9.36
1977
 5.85 -2.57 -2.26 -6.16
1976
 12.36 -3.09 23.29 -1.55
1975
 27.33 -9.00 30.20 -9.59
1974
 -14.69 -21.74 -19.44 -25.55
1973
 -9.53 -10.02 -12.52 -13.38
1972
 19.26 -0.92 13.90 -1.83
1971
 18.25 -5.07 15.59 -6.04
1970
 2.21 -14.84 7.90 -13.78
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