JL Collins Simple Path to Wealth Portfolio vs Burton Malkiel Late Sixties and Beyond Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - June 2025 (~41 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
(1985/01 - 2025/06)
Inflation Adjusted:
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 1985
52.02$
Final Capital
June 2025
10.25%
Yearly Return
11.84%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1985
17.12$
Final Capital
June 2025
7.26%
Yearly Return
11.84%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
Burton Malkiel Late Sixties and Beyond Portfolio
1.00$
Invested Capital
July 1995
11.69$
Final Capital
June 2025
8.54%
Yearly Return
11.70%
Std Deviation
-41.80%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
July 1995
5.56$
Final Capital
June 2025
5.88%
Yearly Return
11.70%
Std Deviation
-42.76%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1985
45.03$
Final Capital
June 2025
9.86%
Yearly Return
11.55%
Std Deviation
-41.80%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1985
14.82$
Final Capital
June 2025
6.88%
Yearly Return
11.55%
Std Deviation
-42.76%
Max Drawdown
42months
Recovery Period

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.

As of June 2025, in the previous 30 Years, the Burton Malkiel Late Sixties and Beyond Portfolio obtained a 8.54% compound annual return, with a 11.70% standard deviation. It suffered a maximum drawdown of -41.80% 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.

JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market
Burton Malkiel Late Sixties and Beyond Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
16.00
VIG
Vanguard Dividend Appreciation
15.00
VNQ
Vanguard Real Estate
10.00
EEM
iShares MSCI Emerging Markets
10.00
EFA
iShares MSCI EAFE
10.00
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
9.50
EMB
iShares JP Morgan USD Em Mkts Bd
9.50
LQD
iShares Investment Grade Corporate Bond
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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
(1985/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 13.78 $ 1 278.32% 9.14%
Burton Malkiel Late Sixties and Beyond
Burton Malkiel 		1 $ 11.69 $ 1 069.31% 8.54%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 6.55 $ 555.07% 6.47%
Burton Malkiel Late Sixties and Beyond
Burton Malkiel 		1 $ 5.56 $ 455.73% 5.88%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 52.02 $ 5 102.24% 10.25%
Burton Malkiel Late Sixties and Beyond
Burton Malkiel 		1 $ 45.03 $ 4 402.97% 9.86%
Jan 1985 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 17.12 $ 1 611.57% 7.26%
Burton Malkiel Late Sixties and Beyond
Burton Malkiel 		1 $ 14.82 $ 1 381.50% 6.88%
Jan 1985 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
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 10.25
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_burton_malkiel.webp Late Sixties and Beyond
Burton Malkiel 		7.21 3.19 7.21 12.60 8.74 7.52 8.54 9.86
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 1985 - 30 June 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/06)
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Simple Path to Wealth Late Sixties and Beyond
Author JL Collins Burton Malkiel
ASSET ALLOCATION
Stocks 75% 71%
Fixed Income 25% 29%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.99 12.60
Infl. Adjusted (%) 10.31 9.93
DRAWDOWN
Deepest Drawdown Depth (%) -6.01 -3.43
Start to Recovery (months) 7 6
Longest Drawdown Depth (%) -6.01 -3.43
Start to Recovery (months) 7 6
Longest Negative Period (months) 8 7
RISK INDICATORS
Standard Deviation (%) 9.99 8.08
Sharpe Ratio 0.84 0.99
Sortino Ratio 1.13 1.22
Ulcer Index 2.51 1.53
Ratio: Return / Standard Deviation 1.30 1.56
Ratio: Return / Deepest Drawdown 2.16 3.67
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Simple Path to Wealth Late Sixties and Beyond
Author JL Collins Burton Malkiel
ASSET ALLOCATION
Stocks 75% 71%
Fixed Income 25% 29%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.74 8.74
Infl. Adjusted (%) 6.90 4.03
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.44
Start to Recovery (months) 25 30
Longest Drawdown Depth (%) -22.24 -22.44
Start to Recovery (months) 25 30
Longest Negative Period (months) 31 34
RISK INDICATORS
Standard Deviation (%) 13.41 12.32
Sharpe Ratio 0.68 0.49
Sortino Ratio 0.91 0.67
Ulcer Index 8.03 8.16
Ratio: Return / Standard Deviation 0.88 0.71
Ratio: Return / Deepest Drawdown 0.53 0.39
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Simple Path to Wealth Late Sixties and Beyond
Author JL Collins Burton Malkiel
ASSET ALLOCATION
Stocks 75% 71%
Fixed Income 25% 29%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.23 7.52
Infl. Adjusted (%) 6.97 4.35
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.44
Start to Recovery (months) 25 30
Longest Drawdown Depth (%) -22.24 -22.44
Start to Recovery (months) 25 30
Longest Negative Period (months) 31 34
RISK INDICATORS
Standard Deviation (%) 12.46 11.52
Sharpe Ratio 0.67 0.49
Sortino Ratio 0.89 0.65
Ulcer Index 6.22 6.37
Ratio: Return / Standard Deviation 0.82 0.65
Ratio: Return / Deepest Drawdown 0.46 0.34
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Simple Path to Wealth Late Sixties and Beyond
Author JL Collins Burton Malkiel
ASSET ALLOCATION
Stocks 75% 71%
Fixed Income 25% 29%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.14 8.54
Infl. Adjusted (%) 6.47 5.88
DRAWDOWN
Deepest Drawdown Depth (%) -38.53 -41.80
Start to Recovery (months) 38 38
Longest Drawdown Depth (%) -30.50 -41.80
Start to Recovery (months) 52 38
Longest Negative Period (months) 122 62
RISK INDICATORS
Standard Deviation (%) 11.85 11.70
Sharpe Ratio 0.58 0.54
Sortino Ratio 0.76 0.69
Ulcer Index 9.48 7.71
Ratio: Return / Standard Deviation 0.77 0.73
Ratio: Return / Deepest Drawdown 0.24 0.20
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Simple Path to Wealth Late Sixties and Beyond
Author JL Collins Burton Malkiel
ASSET ALLOCATION
Stocks 75% 71%
Fixed Income 25% 29%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.25 9.86
Infl. Adjusted (%) 7.26 6.88
DRAWDOWN
Deepest Drawdown Depth (%) -38.53 -41.80
Start to Recovery (months) 38 38
Longest Drawdown Depth (%) -30.50 -41.80
Start to Recovery (months) 52 38
Longest Negative Period (months) 122 62
RISK INDICATORS
Standard Deviation (%) 11.84 11.55
Sharpe Ratio 0.60 0.58
Sortino Ratio 0.78 0.75
Ulcer Index 8.59 7.04
Ratio: Return / Standard Deviation 0.87 0.85
Ratio: Return / Deepest Drawdown 0.27 0.24
Metrics calculated over the period 1 January 1985 - 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 1985 - 30 June 2025 (~41 years)
30 Years
(1995/07 - 2025/06)

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Simple Path to Wealth Late Sixties and Beyond
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.80 38 Nov 2007
Dec 2010
-38.53 38 Nov 2007
Dec 2010
-30.50 52 Sep 2000
Dec 2004
-22.44 30 Jan 2022
Jun 2024
-22.24 25 Jan 2022
Jan 2024
-16.82 8 Jan 2020
Aug 2020
-16.48 12 May 1998
Apr 1999
-15.46 6 Feb 2020
Jul 2020
-13.38 10 May 2011
Feb 2012
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-12.20 13 May 2002
May 2003
-10.58 7 Oct 2018
Apr 2019
-9.27 13 Feb 2001
Feb 2002
-8.08 13 Feb 2018
Feb 2019

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Simple Path to Wealth Late Sixties and Beyond
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.80 38 Nov 2007
Dec 2010
-38.53 38 Nov 2007
Dec 2010
-30.50 52 Sep 2000
Dec 2004
-23.27 20 Sep 1987
Apr 1989
-22.44 30 Jan 2022
Jun 2024
-22.24 25 Jan 2022
Jan 2024
-19.08 17 Sep 1987
Jan 1989
-16.82 8 Jan 2020
Aug 2020
-16.48 12 May 1998
Apr 1999
-15.46 6 Feb 2020
Jul 2020
-13.63 7 Aug 1990
Feb 1991
-13.38 10 May 2011
Feb 2012
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-12.20 13 May 2002
May 2003

Rolling Returns

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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 1985 - 30 June 2025 (~41 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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Simple Path to Wealth Late Sixties and Beyond
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 5.18 -5.64 7.21 -2.53
2024
 18.20 -3.90 10.33 -3.56
2023
 20.89 -8.12 14.40 -8.53
2022
 -17.91 -22.24 -16.23 -22.44
2021
 18.79 -3.72 15.40 -3.79
2020
 17.70 -15.46 10.03 -16.82
2019
 25.21 -4.59 22.55 -3.12
2018
 -3.94 -10.58 -5.90 -8.08
2017
 16.80 0.00 16.49 0.00
2016
 10.25 -3.99 8.48 -3.07
2015
 0.41 -6.60 -1.63 -7.72
2014
 10.86 -1.99 9.01 -3.10
2013
 24.56 -2.57 12.49 -4.03
2012
 13.13 -4.80 14.20 -5.09
2011
 2.71 -12.27 1.01 -13.38
2010
 14.62 -9.46 14.47 -8.21
2009
 22.58 -13.96 25.30 -17.05
2008
 -26.02 -28.15 -26.02 -31.57
2007
 5.76 -3.89 5.18 -5.15
2006
 12.84 -2.48 20.06 -2.71
2005
 5.33 -3.14 9.86 -2.99
2004
 10.65 -2.89 14.78 -7.04
2003
 24.06 -2.85 29.73 -0.86
2002
 -13.29 -18.79 -5.70 -12.20
2001
 -6.12 -16.19 5.85 -9.27
2000
 -5.08 -11.10 2.46 -6.12
1999
 17.67 -4.79 12.48 -4.06
1998
 19.59 -13.02 5.92 -16.48
1997
 25.61 -3.67 15.13 -4.83
1996
 16.62 -4.42 18.95 -2.65
1995
 31.38 -0.57 20.20 -1.35
1994
 -0.79 -6.83 -3.17 -7.20
1993
 10.39 -1.89 23.51 -2.85
1992
 8.62 -1.93 4.84 -2.71
1991
 28.11 -3.49 33.86 -3.74
1990
 -2.40 -11.23 -5.42 -13.63
1989
 24.50 -1.72 26.07 -1.94
1988
 14.83 -2.69 16.73 -2.39
1987
 2.34 -23.27 -0.94 -19.08
1986
 14.71 -6.46 18.93 -4.58
1985
 29.02 -3.12 27.52 -2.25
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