As of June 2026, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.08% compound annual return, with a 11.94% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 months to be recovered.

As of June 2026, in the previous 30 Years, the Roger Gibson Talmud Portfolio obtained a 8.37% compound annual return, with a 11.01% standard deviation. It suffered a maximum drawdown of -40.17% that required 41 months to be recovered.

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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.

Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

JL Collins
JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market
Roger Gibson
Roger Gibson Talmud Portfolio
Weight
(%)		 Ticker Name
33.34
VTI
Vanguard Total Stock Market
33.33
VNQ
Vanguard Real Estate
33.33
BND
Vanguard Total Bond Market

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
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Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~99Y)
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		8.46 -0.23 8.46 18.17 9.31 11.73 9.08 9.18
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_roger_gibson.webp Talmud Portfolio
Roger Gibson 		7.63 0.51 7.63 13.10 5.28 7.35 8.37 7.85
Returns over 1 year are annualized.

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
1Y
5Y
10Y
30Y
MAX
Period: ()
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Simple Path to Wealth Talmud Portfolio
Author JL Collins Roger Gibson
ASSET ALLOCATION
Stocks 75% 66.67%
Fixed Income 25% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 18.17 13.10
Infl. Adjusted (%) 13.76 8.87
DRAWDOWN
Deepest Drawdown Depth (%) -4.18 -4.39
Start to Recovery (months) 3 2
Longest Drawdown Depth (%) -4.18 -0.82
Start to Recovery (months) 3 2
Longest Negative Period (months) 6 6
RISK INDICATORS
Standard Deviation (%) 9.45 8.11
Sharpe Ratio 1.52 1.14
Sortino Ratio 2.27 1.58
Ulcer Index 1.16 1.24
Ratio: Return / Standard Deviation 1.92 1.61
Ratio: Return / Deepest Drawdown 4.34 2.98
Metrics calculated over the period 1 July 2025 - 30 June 2026
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Simple Path to Wealth Talmud Portfolio
Author JL Collins Roger Gibson
ASSET ALLOCATION
Stocks 75% 66.67%
Fixed Income 25% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.31 5.28
Infl. Adjusted (%) 4.81 0.94
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.88
Start to Recovery (months) 25 32
Longest Drawdown Depth (%) -22.24 -22.88
Start to Recovery (months) 25 32
Longest Negative Period (months) 28 34
RISK INDICATORS
Standard Deviation (%) 13.04 12.71
Sharpe Ratio 0.45 0.14
Sortino Ratio 0.60 0.19
Ulcer Index 8.02 9.90
Ratio: Return / Standard Deviation 0.71 0.42
Ratio: Return / Deepest Drawdown 0.42 0.23
Metrics calculated over the period 1 July 2021 - 30 June 2026
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Simple Path to Wealth Talmud Portfolio
Author JL Collins Roger Gibson
ASSET ALLOCATION
Stocks 75% 66.67%
Fixed Income 25% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.73 7.35
Infl. Adjusted (%) 8.11 3.87
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.88
Start to Recovery (months) 25 32
Longest Drawdown Depth (%) -22.24 -22.88
Start to Recovery (months) 25 32
Longest Negative Period (months) 31 35
RISK INDICATORS
Standard Deviation (%) 12.36 11.47
Sharpe Ratio 0.77 0.45
Sortino Ratio 1.02 0.59
Ulcer Index 6.13 7.37
Ratio: Return / Standard Deviation 0.95 0.64
Ratio: Return / Deepest Drawdown 0.53 0.32
Metrics calculated over the period 1 July 2016 - 30 June 2026
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Simple Path to Wealth Talmud Portfolio
Author JL Collins Roger Gibson
ASSET ALLOCATION
Stocks 75% 66.67%
Fixed Income 25% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.08 8.37
Infl. Adjusted (%) 6.36 5.67
DRAWDOWN
Deepest Drawdown Depth (%) -38.53 -40.17
Start to Recovery (months) 38 41
Longest Drawdown Depth (%) -30.50 -40.17
Start to Recovery (months) 52 41
Longest Negative Period (months) 122 65
RISK INDICATORS
Standard Deviation (%) 11.94 11.01
Sharpe Ratio 0.57 0.56
Sortino Ratio 0.75 0.72
Ulcer Index 9.48 7.45
Ratio: Return / Standard Deviation 0.76 0.76
Ratio: Return / Deepest Drawdown 0.24 0.21
Metrics calculated over the period 1 July 1996 - 30 June 2026
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Simple Path to Wealth Talmud Portfolio
Author JL Collins Roger Gibson
ASSET ALLOCATION
Stocks 75% 66.67%
Fixed Income 25% 33.33%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.18 7.85
Infl. Adjusted (%) 5.94 4.66
DRAWDOWN
Deepest Drawdown Depth (%) -72.36 -57.05
Start to Recovery (months) 89 89
Longest Drawdown Depth (%) -72.36 -57.05
Start to Recovery (months) 89 89
Longest Negative Period (months) 163 160
RISK INDICATORS
Standard Deviation (%) 14.13 12.30
Sharpe Ratio 0.41 0.37
Sortino Ratio 0.57 0.50
Ulcer Index 14.19 9.99
Ratio: Return / Standard Deviation 0.65 0.64
Ratio: Return / Deepest Drawdown 0.13 0.14
Metrics calculated over the period 1 January 1928 - 30 June 2026
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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
Inflation Adj:

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

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

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 Talmud Portfolio
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 8.46 -4.18 7.63 -4.39
2025
 14.59 -5.64 9.14 -3.70
2024
 18.20 -3.90 10.00 -4.87
2023
 20.89 -8.12 14.42 -9.16
2022
 -17.91 -22.24 -19.62 -22.88
2021
 18.79 -3.72 21.44 -3.93
2020
 17.70 -15.46 8.02 -15.16
2019
 25.21 -4.59 22.79 -1.65
2018
 -3.94 -10.58 -3.78 -7.57
2017
 16.80 0.00 9.90 -0.80
2016
 10.25 -3.99 7.99 -4.84
2015
 0.41 -6.60 1.11 -5.69
2014
 10.86 -1.99 16.24 -3.05
2013
 24.56 -2.57 11.22 -4.74
2012
 13.13 -4.80 12.41 -3.41
2011
 2.71 -12.27 5.83 -10.50
2010
 14.62 -9.46 17.33 -7.24
2009
 22.58 -13.96 20.87 -18.28
2008
 -26.02 -28.15 -22.37 -28.90
2007
 5.76 -3.89 -1.40 -7.11
2006
 12.84 -2.48 18.42 -3.01
2005
 5.33 -3.14 6.88 -3.47
2004
 10.65 -2.89 15.93 -6.69
2003
 24.06 -2.85 23.46 -1.81
2002
 -13.29 -18.79 -2.82 -8.26
2001
 -6.12 -16.19 3.27 -5.08
2000
 -5.08 -11.10 9.05 -4.13
1999
 17.67 -4.79 6.34 -4.64
1998
 19.59 -13.02 5.18 -10.43
1997
 25.61 -3.67 19.74 -1.89
1996
 16.62 -4.42 19.46 -1.65
1995
 31.38 -0.57 22.03 -0.94
1994
 -0.79 -6.83 -3.74 -8.67
1993
 10.39 -1.89 13.33 -2.90
1992
 8.62 -1.93 10.28 -1.73
1991
 28.11 -3.49 27.78 -2.56
1990
 -2.40 -11.23 -4.26 -10.14
1989
 24.50 -1.72 16.87 -1.33
1988
 14.83 -2.69 12.71 -1.50
1987
 2.34 -23.27 0.17 -15.52
1986
 14.71 -6.46 16.28 -3.57
1985
 29.02 -3.12 24.20 -2.28
1984
 5.39 -7.49 12.71 -4.02
1983
 18.30 -2.99 19.51 -2.63
1982
 23.16 -6.05 24.41 -3.38
1981
 -0.76 -10.31 3.76 -8.59
1980
 25.59 -10.43 20.13 -9.71
1979
 19.52 -6.87 21.82 -8.78
1978
 6.63 -9.36 6.65 -7.13
1977
 -2.26 -6.16 6.70 -1.95
1976
 23.29 -1.55 29.26 -1.67
1975
 30.20 -9.59 21.49 -7.79
1974
 -19.44 -25.55 -14.51 -20.06
1973
 -12.52 -13.38 -9.74 -10.13
1972
 13.90 -1.83 9.45 -2.27
1971
 15.59 -6.04 10.45 -6.96
1970
 7.90 -13.78 10.08 -12.17
1969
 -8.24 -9.08 -1.80 -6.18
1968
 10.76 -3.48 6.81 -3.69
1967
 20.41 -3.58 9.72 -3.90
1966
 -5.30 -11.58 -0.84 -8.95
1965
 10.83 -3.46 5.52 -3.72
1964
 13.27 -1.00 7.19 -1.30
1963
 16.27 -2.14 8.31 -2.46
1962
 -5.79 -16.39 -1.20 -12.80
1961
 20.54 -2.28 9.75 -2.91
1960
 3.95 -5.07 4.91 -4.48
1959
 9.16 -4.50 3.73 -4.97
1958
 32.90 -1.07 14.22 -2.11
1957
 -5.31 -9.67 0.45 -7.30
1956
 5.99 -5.92 2.62 -6.16
1955
 19.10 -2.31 8.32 -3.92
1954
 38.65 -2.55 18.11 -3.79
1953
 1.41 -5.97 5.28 -3.00
1952
 10.77 -2.90 6.76 -3.14
1951
 15.57 -4.75 8.95 -5.14
1950
 22.71 -4.16 11.28 -4.60
1949
 16.07 -3.13 8.15 -4.52
1948
 2.42 -8.23 2.34 -7.33
1947
 2.77 -4.75 8.22 -2.39
1946
 -4.52 -16.21 6.18 -10.61
1945
 29.94 -2.98 18.38 -3.34
1944
 16.49 -1.16 13.36 -1.14
1943
 21.54 -6.35 13.94 -7.79
1942
 12.87 -9.29 7.12 -9.40
1941
 -7.01 -10.12 -5.41 -8.93
1940
 -4.30 -17.69 0.15 -15.43
1939
 2.53 -10.97 1.38 -9.87
1938
 22.38 -19.10 10.63 -18.12
1937
 -25.67 -29.12 -10.14 -17.27
1936
 26.37 -5.59 13.80 -5.89
1935
 35.70 -6.99 19.99 -8.97
1934
 3.55 -13.03 4.17 -10.97
1933
 43.64 -14.92 18.79 -17.83
1932
 -3.42 -32.87 -2.29 -28.97
1931
 -33.61 -41.46 -18.11 -28.11
1930
 -19.33 -29.09 -8.30 -19.91
1929
 -7.41 -26.56 -3.04 -22.74
1928
 28.78 -3.26 13.08 -4.68
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Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
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