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

Simulation Settings
Period: January 1871 - June 2025 (~155 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
(1871/01 - 2025/06)
Inflation Adjusted:
Stocks/Bonds 60/40 Portfolio
1.00$
Invested Capital
July 1995
10.91$
Final Capital
June 2025
8.29%
Yearly Return
9.68%
Std Deviation
-30.55%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
July 1995
5.18$
Final Capital
June 2025
5.64%
Yearly Return
9.68%
Std Deviation
-31.69%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1871
97.38 K$
Final Capital
June 2025
7.72%
Yearly Return
10.20%
Std Deviation
-62.03%
Max Drawdown
83months
Recovery Period
1.00$
Invested Capital
January 1871
3.79 K$
Final Capital
June 2025
5.48%
Yearly Return
10.20%
Std Deviation
-52.05%
Max Drawdown
71months
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 1871
237.40 K$
Final Capital
June 2025
8.34%
Yearly Return
12.49%
Std Deviation
-72.36%
Max Drawdown
89months
Recovery Period
1.00$
Invested Capital
January 1871
9.24 K$
Final Capital
June 2025
6.09%
Yearly Return
12.49%
Std Deviation
-65.10%
Max Drawdown
77months
Recovery Period

As of June 2025, in the previous 30 Years, the Stocks/Bonds 60/40 Portfolio obtained a 8.29% compound annual return, with a 9.68% standard deviation. It suffered a maximum drawdown of -30.55% that required 36 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.

Stocks/Bonds 60/40 Portfolio
Weight
(%)		 Ticker Name
60.00
VTI
Vanguard Total Stock Market
40.00
BND
Vanguard Total Bond Market
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
(1871/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 60/40
 1 $ 10.91 $ 990.90% 8.29%
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 (%)
Stocks/Bonds 60/40
 1 $ 5.18 $ 418.47% 5.64%
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 (%)
Stocks/Bonds 60/40
 1 $ 97 377.17 $ 9 737 617.34% 7.72%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 237 399.25 $ 23 739 824.98% 8.34%
Jan 1871 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Stocks/Bonds 60/40
 1 $ 3 789.41 $ 378 840.79% 5.48%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 9 238.33 $ 923 733.15% 6.09%
Jan 1871 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~155Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 60/40
-- Market Benchmark 		4.95 3.69 4.95 11.70 9.25 8.59 8.29 7.72
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 8.34
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 1871 - 30 June 2025 (~155 years)
1 Year
5 Years
10 Years
30 Years
All (1871/01 - 2025/06)
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.70 12.99
Infl. Adjusted (%) 9.04 10.31
DRAWDOWN
Deepest Drawdown Depth (%) -4.56 -6.01
Start to Recovery (months) 7 7
Longest Drawdown Depth (%) -4.56 -6.01
Start to Recovery (months) 7 7
Longest Negative Period (months) 7 8
RISK INDICATORS
Standard Deviation (%) 8.45 9.99
Sharpe Ratio 0.84 0.84
Sortino Ratio 1.11 1.13
Ulcer Index 1.97 2.51
Ratio: Return / Standard Deviation 1.38 1.30
Ratio: Return / Deepest Drawdown 2.57 2.16
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.25 11.74
Infl. Adjusted (%) 4.52 6.90
DRAWDOWN
Deepest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 11.65 13.41
Sharpe Ratio 0.56 0.68
Sortino Ratio 0.76 0.91
Ulcer Index 7.71 8.03
Ratio: Return / Standard Deviation 0.79 0.88
Ratio: Return / Deepest Drawdown 0.45 0.53
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.59 10.23
Infl. Adjusted (%) 5.38 6.97
DRAWDOWN
Deepest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 10.50 12.46
Sharpe Ratio 0.64 0.67
Sortino Ratio 0.85 0.89
Ulcer Index 5.81 6.22
Ratio: Return / Standard Deviation 0.82 0.82
Ratio: Return / Deepest Drawdown 0.41 0.46
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.29 9.14
Infl. Adjusted (%) 5.64 6.47
DRAWDOWN
Deepest Drawdown Depth (%) -30.55 -38.53
Start to Recovery (months) 36 38
Longest Drawdown Depth (%) -21.56 -30.50
Start to Recovery (months) 41 52
Longest Negative Period (months) 110 122
RISK INDICATORS
Standard Deviation (%) 9.68 11.85
Sharpe Ratio 0.62 0.58
Sortino Ratio 0.82 0.76
Ulcer Index 6.91 9.48
Ratio: Return / Standard Deviation 0.86 0.77
Ratio: Return / Deepest Drawdown 0.27 0.24
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.72 8.34
Infl. Adjusted (%) 5.48 6.09
DRAWDOWN
Deepest Drawdown Depth (%) -62.03 -72.36
Start to Recovery (months) 83 89
Longest Drawdown Depth (%) -62.03 -72.36
Start to Recovery (months) 83 89
Longest Negative Period (months) 154 163
RISK INDICATORS
Standard Deviation (%) 10.20 12.49
Sharpe Ratio 0.36 0.35
Sortino Ratio 0.51 0.48
Ulcer Index 9.20 12.07
Ratio: Return / Standard Deviation 0.76 0.67
Ratio: Return / Deepest Drawdown 0.12 0.12
Metrics calculated over the period 1 January 1871 - 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 1871 - 30 June 2025 (~155 years)
30 Years
(1995/07 - 2025/06)

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Stocks/Bonds 60/40 Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-30.55 36 Nov 2007
Oct 2010
-30.50 52 Sep 2000
Dec 2004
-22.24 25 Jan 2022
Jan 2024
-21.56 41 Sep 2000
Jan 2004
-20.69 26 Jan 2022
Feb 2024
-15.46 6 Feb 2020
Jul 2020
-13.02 5 Jul 1998
Nov 1998
-12.29 6 Feb 2020
Jul 2020
-12.27 10 May 2011
Feb 2012
-10.58 7 Oct 2018
Apr 2019
-10.18 5 Jul 1998
Nov 1998
-9.00 9 May 2011
Jan 2012
-8.38 7 Sep 2018
Mar 2019
-6.60 12 Jun 2015
May 2016

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Stocks/Bonds 60/40 Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-72.36 89 Sep 1929
Jan 1937
-62.03 83 Sep 1929
Jul 1936
-39.03 73 Mar 1937
Mar 1943
-38.53 38 Nov 2007
Dec 2010
-34.54 37 Jan 1973
Jan 1976
-31.73 71 Mar 1937
Jan 1943
-30.55 36 Nov 2007
Oct 2010
-30.50 52 Sep 2000
Dec 2004
-27.28 37 Jan 1973
Jan 1976
-24.84 34 Apr 1876
Jan 1879
-23.27 20 Sep 1987
Apr 1989
-23.08 27 Dec 1968
Feb 1971
-22.56 26 Oct 1906
Nov 1908
-22.24 25 Jan 2022
Jan 2024
-21.56 41 Sep 2000
Jan 2004

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 1871 - 30 June 2025 (~155 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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Stocks/Bonds 60/40 Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 4.95 -4.02 5.18 -5.64
2024
 14.84 -3.62 18.20 -3.90
2023
 17.79 -7.48 20.89 -8.12
2022
 -16.95 -20.69 -17.91 -22.24
2021
 14.66 -3.24 18.79 -3.72
2020
 15.70 -12.29 17.70 -15.46
2019
 21.94 -3.41 25.21 -4.59
2018
 -3.17 -8.38 -3.94 -10.58
2017
 14.15 0.00 16.80 0.00
2016
 8.71 -2.95 10.25 -3.99
2015
 0.44 -5.24 0.41 -6.60
2014
 9.85 -1.50 10.86 -1.99
2013
 19.23 -2.27 24.56 -2.57
2012
 11.13 -3.54 13.13 -4.80
2011
 3.75 -9.00 2.71 -12.27
2010
 12.93 -7.13 14.62 -9.46
2009
 18.79 -11.70 22.58 -13.96
2008
 -19.44 -22.19 -26.02 -28.15
2007
 5.99 -3.07 5.76 -3.89
2006
 11.12 -2.03 12.84 -2.48
2005
 4.74 -2.34 5.33 -3.14
2004
 9.37 -2.68 10.65 -2.89
2003
 20.04 -1.99 24.06 -2.85
2002
 -8.98 -13.74 -13.29 -18.79
2001
 -3.21 -11.68 -6.12 -16.19
2000
 -1.79 -8.27 -5.08 -11.10
1999
 13.98 -3.76 17.67 -4.79
1998
 17.39 -10.18 19.59 -13.02
1997
 22.37 -3.12 25.61 -3.67
1996
 14.01 -3.33 16.62 -4.42
1995
 28.74 -0.20 31.38 -0.57
1994
 -1.16 -6.47 -0.79 -6.83
1993
 10.25 -1.36 10.39 -1.89
1992
 8.32 -1.65 8.62 -1.93
1991
 25.53 -2.86 28.11 -3.49
1990
 -0.19 -8.52 -2.40 -11.23
1989
 22.33 -1.36 24.50 -1.72
1988
 13.33 -2.24 14.83 -2.69
1987
 2.18 -19.17 2.34 -23.27
1986
 14.79 -5.58 14.71 -6.46
1985
 27.66 -2.15 29.02 -3.12
1984
 7.32 -6.58 5.39 -7.49
1983
 15.69 -2.85 18.30 -2.99
1982
 24.75 -4.29 23.16 -6.05
1981
 1.27 -8.82 -0.76 -10.31
1980
 21.05 -9.57 25.59 -10.43
1979
 16.69 -6.65 19.52 -6.87
1978
 5.53 -7.92 6.63 -9.36
1977
 -1.60 -4.89 -2.26 -6.16
1976
 21.38 -1.34 23.29 -1.55
1975
 25.64 -8.13 30.20 -9.59
1974
 -14.41 -20.38 -19.44 -25.55
1973
 -9.12 -9.87 -12.52 -13.38
1972
 11.66 -1.45 13.90 -1.83
1971
 14.37 -5.73 15.59 -6.04
1970
 9.77 -11.52 7.90 -13.78
1969
 -7.02 -8.24 -8.24 -9.08
1968
 9.19 -3.30 10.76 -3.48
1967
 16.22 -2.87 20.41 -3.58
1966
 -3.25 -9.79 -5.30 -11.58
1965
 8.81 -2.63 10.83 -3.46
1964
 11.40 -0.78 13.27 -1.00
1963
 13.34 -1.77 16.27 -2.14
1962
 -3.49 -12.63 -5.79 -16.39
1961
 16.69 -2.07 20.54 -2.28
1960
 5.77 -4.00 3.95 -5.06
1959
 6.99 -3.96 9.16 -4.50
1958
 25.76 -0.76 32.90 -1.07
1957
 -2.53 -7.55 -5.31 -9.67
1956
 4.48 -5.10 5.99 -5.92
1955
 15.12 -1.72 19.10 -2.31
1954
 31.48 -2.16 38.65 -2.55
1953
 1.85 -4.96 1.41 -5.97
1952
 9.07 -2.48 10.77 -2.90
1951
 12.47 -3.94 15.57 -4.75
1950
 18.15 -3.45 22.71 -4.16
1949
 13.74 -2.42 16.07 -3.13
1948
 2.46 -6.51 2.42 -8.23
1947
 2.12 -3.61 2.77 -4.75
1946
 -3.48 -13.30 -4.52 -16.21
1945
 24.98 -2.30 29.94 -2.98
1944
 13.65 -0.91 16.49 -1.16
1943
 17.73 -5.22 21.54 -6.35
1942
 10.55 -7.45 12.87 -9.29
1941
 -5.16 -8.44 -7.01 -10.12
1940
 -2.58 -14.56 -4.30 -17.69
1939
 2.64 -8.45 2.53 -10.97
1938
 18.78 -15.43 22.38 -19.10
1937
 -20.16 -23.31 -25.67 -29.12
1936
 22.00 -4.48 26.37 -5.59
1935
 29.34 -5.09 35.70 -6.99
1934
 4.30 -9.46 3.55 -13.03
1933
 35.51 -12.66 43.64 -14.92
1932
 -0.28 -25.51 -3.42 -32.87
1931
 -27.30 -34.34 -33.61 -41.46
1930
 -13.91 -22.76 -19.33 -29.09
1929
 -5.08 -21.42 -7.41 -26.56
1928
 22.84 -2.72 28.78 -3.26
1927
 22.12 -2.70 26.32 -3.33
1926
 8.76 -5.17 9.77 -6.71
1925
 16.74 -3.95 20.13 -4.94
1924
 19.37 -1.79 22.24 -2.46
1923
 4.71 -7.60 4.96 -9.69
1922
 19.63 -2.80 23.16 -3.41
1921
 11.31 -5.11 10.85 -6.53
1920
 -8.32 -9.02 -10.45 -11.42
1919
 12.66 -4.87 15.27 -5.90
1918
 12.74 -2.11 14.77 -2.74
1917
 -11.87 -11.87 -14.41 -14.41
1916
 6.29 -1.98 6.95 -2.62
1915
 21.19 -1.32 24.93 -1.68
1914
 -0.68 -11.08 -2.47 -14.54
1913
 -1.31 -4.21 -2.61 -5.89
1912
 4.90 -2.48 5.73 -3.09
1911
 3.72 -5.85 3.63 -7.33
1910
 -0.39 -6.05 -1.54 -8.01
1909
 10.23 -1.46 12.43 -1.94
1908
 28.22 -1.72 32.43 -2.43
1907
 -14.66 -16.56 -18.25 -21.02
1906
 0.65 -6.03 0.63 -7.39
1905
 13.00 -3.42 16.09 -4.13
1904
 21.60 -1.44 25.55 -1.74
1903
 -9.42 -14.64 -12.31 -18.68
1902
 5.32 -4.68 6.41 -5.71
1901
 12.37 -5.10 15.01 -6.29
1900
 14.00 -2.99 16.53 -3.90
1899
 2.03 -5.60 2.63 -6.87
1898
 19.40 -4.72 23.09 -4.45
1897
 14.52 -2.89 16.69 -3.91
1896
 3.55 -8.59 3.42 -9.90
1895
 2.99 -6.94 3.72 -7.88
1894
 4.58 -2.96 4.21 -3.94
1893
 -9.41 -16.37 -12.95 -20.33
1892
 4.50 -1.55 5.09 -1.78
1891
 13.47 -3.11 15.48 -3.34
1890
 -3.23 -7.81 -4.34 -10.07
1889
 5.21 -1.48 5.90 -1.85
1888
 4.16 -2.40 3.83 -2.73
1887
 0.17 -6.26 -0.16 -7.47
1886
 7.45 -2.95 9.13 -3.53
1885
 20.12 -1.12 23.82 -1.25
1884
 -5.85 -9.42 -8.30 -11.13
1883
 -1.59 -3.70 -3.07 -4.86
1882
 3.39 -3.65 3.46 -4.42
1881
 1.51 -6.38 1.01 -7.73
1880
 18.01 -5.21 21.20 -6.57
1879
 30.75 -0.79 37.70 -0.86
1878
 12.34 -0.38 13.81 -0.64
1877
 0.79 -10.85 0.08 -14.14
1876
 -5.64 -9.33 -8.84 -12.52
1875
 5.80 -2.06 5.63 -2.54
1874
 8.29 -2.74 6.93 -4.14
1873
 0.18 -11.04 -0.84 -12.81
1872
 7.40 -2.81 8.79 -2.88
1871
 10.46 -3.08 12.38 -3.58
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