Stocks/Bonds 60/40 ESG Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings

Period: September 2005 - June 2026 (~21 years)
Consolidated Returns as of 30 June 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

Inflation Adj:

As of June 2026, over the analyzed timeframe, the Stocks/Bonds 60/40 ESG Portfolio obtained a 8.03% compound annual return, with a 10.72% standard deviation. It suffered a maximum drawdown of -32.78% that required 29 months to be recovered.

As of June 2026, over the analyzed timeframe, the JL Collins Simple Path to Wealth Portfolio obtained a 9.35% compound annual return, with a 11.84% 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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Stocks/Bonds 60/40 ESG Portfolio

Weight (%)	Ticker	Name
60.00	ESGV	Vanguard ESG U.S. Stock ETF
40.00	NUBD	Nuveen ESG U.S. Aggregate Bond ETF

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, 2026

Returns are calculated in USD, assuming:

no fees or capital gain taxes.
rebalancing: at every Jan 1^st.
dividend reinvestment, when applicable.

Return Comparison

Capital Growth

Inflation Adj:

Swipe left to see all data

		Return (%) as of Jun 30, 2026
		YTD (6M)	1M	6M	1Y	5Y	10Y	20Y	MAX (~21Y)
	Stocks/Bonds 60/40 ESG -- Market Benchmark	6.17	-0.61	6.17	14.28	7.31	8.82	8.05	8.03
	Simple Path to Wealth JL Collins	8.46	-0.23	8.46	18.17	9.31	11.73	9.53	9.35
Returns over 1 year are annualized.

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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

10Y

20Y

MAX

Period: ()

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	Stocks/Bonds 60/40 ESG	Simple Path to Wealth
Author		JL Collins
ASSET ALLOCATION
Stocks	60%	75%
Fixed Income	40%	25%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	14.28	18.17
Infl. Adjusted (%)	10.01	13.76
DRAWDOWN
Deepest Drawdown Depth (%)	-4.59	-4.18
Start to Recovery (months)	3	3
Longest Drawdown Depth (%)	-4.59	-4.18
Start to Recovery (months)	3	3
Longest Negative Period (months)	7	6
RISK INDICATORS
Standard Deviation (%)	9.09	9.45
Sharpe Ratio	1.15	1.52
Sortino Ratio	1.75	2.27
Ulcer Index	1.30	1.16
Ratio: Return / Standard Deviation	1.57	1.92
Ratio: Return / Deepest Drawdown	3.11	4.34
Metrics calculated over the period 1 July 2025 - 30 June 2026

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	Stocks/Bonds 60/40 ESG	Simple Path to Wealth
Author		JL Collins
ASSET ALLOCATION
Stocks	60%	75%
Fixed Income	40%	25%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	7.31	9.31
Infl. Adjusted (%)	2.89	4.81
DRAWDOWN
Deepest Drawdown Depth (%)	-22.44	-22.24
Start to Recovery (months)	26	25
Longest Drawdown Depth (%)	-22.44	-22.24
Start to Recovery (months)	26	25
Longest Negative Period (months)	29	28
RISK INDICATORS
Standard Deviation (%)	11.98	13.04
Sharpe Ratio	0.32	0.45
Sortino Ratio	0.43	0.60
Ulcer Index	8.75	8.02
Ratio: Return / Standard Deviation	0.61	0.71
Ratio: Return / Deepest Drawdown	0.33	0.42
Metrics calculated over the period 1 July 2021 - 30 June 2026

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	Stocks/Bonds 60/40 ESG	Simple Path to Wealth
Author		JL Collins
ASSET ALLOCATION
Stocks	60%	75%
Fixed Income	40%	25%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.82	11.73
Infl. Adjusted (%)	5.29	8.11
DRAWDOWN
Deepest Drawdown Depth (%)	-22.44	-22.24
Start to Recovery (months)	26	25
Longest Drawdown Depth (%)	-22.44	-22.24
Start to Recovery (months)	26	25
Longest Negative Period (months)	34	31
RISK INDICATORS
Standard Deviation (%)	10.63	12.36
Sharpe Ratio	0.62	0.77
Sortino Ratio	0.84	1.02
Ulcer Index	6.53	6.13
Ratio: Return / Standard Deviation	0.83	0.95
Ratio: Return / Deepest Drawdown	0.39	0.53
Metrics calculated over the period 1 July 2016 - 30 June 2026

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	Stocks/Bonds 60/40 ESG	Simple Path to Wealth
Author		JL Collins
ASSET ALLOCATION
Stocks	60%	75%
Fixed Income	40%	25%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.05	9.53
Infl. Adjusted (%)	5.36	6.80
DRAWDOWN
Deepest Drawdown Depth (%)	-32.78	-38.53
Start to Recovery (months)	29	38
Longest Drawdown Depth (%)	-32.78	-38.53
Start to Recovery (months)	29	38
Longest Negative Period (months)	39	53
RISK INDICATORS
Standard Deviation (%)	10.89	12.02
Sharpe Ratio	0.60	0.67
Sortino Ratio	0.80	0.87
Ulcer Index	7.39	8.54
Ratio: Return / Standard Deviation	0.74	0.79
Ratio: Return / Deepest Drawdown	0.25	0.25
Metrics calculated over the period 1 July 2006 - 30 June 2026

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	Stocks/Bonds 60/40 ESG	Simple Path to Wealth
Author		JL Collins
ASSET ALLOCATION
Stocks	60%	75%
Fixed Income	40%	25%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.03	9.35
Infl. Adjusted (%)	5.30	6.59
DRAWDOWN
Deepest Drawdown Depth (%)	-32.78	-38.53
Start to Recovery (months)	29	38
Longest Drawdown Depth (%)	-32.78	-38.53
Start to Recovery (months)	29	38
Longest Negative Period (months)	45	53
RISK INDICATORS
Standard Deviation (%)	10.72	11.84
Sharpe Ratio	0.60	0.65
Sortino Ratio	0.80	0.86
Ulcer Index	7.24	8.38
Ratio: Return / Standard Deviation	0.75	0.79
Ratio: Return / Deepest Drawdown	0.24	0.24
Metrics calculated over the period 1 September 2005 - 30 June 2026

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.

Swipe left to see all data

	Stocks/Bonds 60/40 ESG		Simple Path to Wealth
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	6.17	-4.59	8.46	-4.18
2025	12.59	-4.74	14.59	-5.64
2024	15.34	-4.05	18.20	-3.90
2023	20.65	-7.66	20.89	-8.12
2022	-19.58	-22.44	-17.91	-22.24
2021	14.84	-3.74	18.79	-3.72
2020	18.27	-10.57	17.70	-15.46
2019	23.31	-3.32	25.21	-4.59
2018	-9.29	-10.20	-3.94	-10.58
2017	9.32	-0.42	16.80	0.00
2016	8.09	-3.49	10.25	-3.99
2015	1.04	-6.91	0.41	-6.60
2014	7.55	-3.12	10.86	-1.99
2013	22.59	-2.36	24.56	-2.57
2012	13.87	-5.06	13.13	-4.80
2011	-1.55	-14.77	2.71	-12.27
2010	15.13	-7.23	14.62	-9.46
2009	30.34	-9.85	22.58	-13.96
2008	-23.95	-28.06	-26.02	-28.15
2007	7.02	-2.09	5.76	-3.89
2006	12.43	-1.73	12.84	-2.48

Table of contents

Asset Allocations and ETFs

Portfolio Returns as of Jun 30, 2026

Portfolio Metrics as of Jun 30, 2026

Drawdowns

Rolling Returns

Time to Target

Yearly Returns