All Country World 80/20 Portfolio vs JL Collins Simple Path to Wealth 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:
All Country World 80/20 Portfolio
1.00$
Invested Capital
July 1995
9.46$
Final Capital
June 2025
7.78%
Yearly Return
12.87%
Std Deviation
-45.61%
Max Drawdown
62months
Recovery Period
1.00$
Invested Capital
July 1995
4.50$
Final Capital
June 2025
5.14%
Yearly Return
12.87%
Std Deviation
-46.51%
Max Drawdown
71months
Recovery Period
1.00$
Invested Capital
January 1985
41.82$
Final Capital
June 2025
9.66%
Yearly Return
12.87%
Std Deviation
-45.61%
Max Drawdown
62months
Recovery Period
1.00$
Invested Capital
January 1985
13.76$
Final Capital
June 2025
6.69%
Yearly Return
12.87%
Std Deviation
-46.51%
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 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

As of June 2025, in the previous 30 Years, the All Country World 80/20 Portfolio obtained a 7.78% compound annual return, with a 12.87% standard deviation. It suffered a maximum drawdown of -45.61% that required 62 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.

All Country World 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VT
Vanguard Total World Stock
10.00
BND
Vanguard Total Bond Market
7.00
BNDX
Vanguard Total International Bond
3.00
EMB
iShares JP Morgan USD Em Mkts Bd
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
(1985/01 - 2025/06)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 80/20
 1 $ 9.46 $ 846.25% 7.78%
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 (%)
All Country World 80/20
 1 $ 4.50 $ 349.72% 5.14%
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 (%)
All Country World 80/20
 1 $ 41.82 $ 4 081.52% 9.66%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 52.02 $ 5 102.24% 10.25%
Jan 1985 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
All Country World 80/20
 1 $ 13.76 $ 1 275.75% 6.69%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 17.12 $ 1 611.57% 7.26%
Jan 1985 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_world.webp All Country World 80/20
-- Market Benchmark 		8.96 4.01 8.96 14.42 10.91 8.51 7.78 9.66
https://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
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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All Country World 80/20 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 80% 75%
Fixed Income 20% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 14.42 12.99
Infl. Adjusted (%) 11.70 10.31
DRAWDOWN
Deepest Drawdown Depth (%) -3.09 -6.01
Start to Recovery (months) 6 7
Longest Drawdown Depth (%) -3.09 -6.01
Start to Recovery (months) 6 7
Longest Negative Period (months) 7 8
RISK INDICATORS
Standard Deviation (%) 8.62 9.99
Sharpe Ratio 1.13 0.84
Sortino Ratio 1.48 1.13
Ulcer Index 1.46 2.51
Ratio: Return / Standard Deviation 1.67 1.30
Ratio: Return / Deepest Drawdown 4.67 2.16
Metrics calculated over the period 1 July 2024 - 30 June 2025
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All Country World 80/20 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 80% 75%
Fixed Income 20% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.91 11.74
Infl. Adjusted (%) 6.11 6.90
DRAWDOWN
Deepest Drawdown Depth (%) -23.52 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -23.52 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 13.27 13.41
Sharpe Ratio 0.62 0.68
Sortino Ratio 0.85 0.91
Ulcer Index 7.97 8.03
Ratio: Return / Standard Deviation 0.82 0.88
Ratio: Return / Deepest Drawdown 0.46 0.53
Metrics calculated over the period 1 July 2020 - 30 June 2025
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All Country World 80/20 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 80% 75%
Fixed Income 20% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.51 10.23
Infl. Adjusted (%) 5.31 6.97
DRAWDOWN
Deepest Drawdown Depth (%) -23.52 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -23.52 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 12.60 12.46
Sharpe Ratio 0.53 0.67
Sortino Ratio 0.71 0.89
Ulcer Index 6.53 6.22
Ratio: Return / Standard Deviation 0.68 0.82
Ratio: Return / Deepest Drawdown 0.36 0.46
Metrics calculated over the period 1 July 2015 - 30 June 2025
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All Country World 80/20 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 80% 75%
Fixed Income 20% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.78 9.14
Infl. Adjusted (%) 5.14 6.47
DRAWDOWN
Deepest Drawdown Depth (%) -45.61 -38.53
Start to Recovery (months) 62 38
Longest Drawdown Depth (%) -45.61 -30.50
Start to Recovery (months) 62 52
Longest Negative Period (months) 118 122
RISK INDICATORS
Standard Deviation (%) 12.87 11.85
Sharpe Ratio 0.43 0.58
Sortino Ratio 0.56 0.76
Ulcer Index 11.29 9.48
Ratio: Return / Standard Deviation 0.60 0.77
Ratio: Return / Deepest Drawdown 0.17 0.24
Metrics calculated over the period 1 July 1995 - 30 June 2025
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All Country World 80/20 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 80% 75%
Fixed Income 20% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.66 10.25
Infl. Adjusted (%) 6.69 7.26
DRAWDOWN
Deepest Drawdown Depth (%) -45.61 -38.53
Start to Recovery (months) 62 38
Longest Drawdown Depth (%) -45.61 -30.50
Start to Recovery (months) 62 52
Longest Negative Period (months) 118 122
RISK INDICATORS
Standard Deviation (%) 12.87 11.84
Sharpe Ratio 0.50 0.60
Sortino Ratio 0.67 0.78
Ulcer Index 10.12 8.59
Ratio: Return / Standard Deviation 0.75 0.87
Ratio: Return / Deepest Drawdown 0.21 0.27
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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All Country World 80/20 Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-45.61 62 Nov 2007
Dec 2012
-38.53 38 Nov 2007
Dec 2010
-35.43 51 Sep 2000
Nov 2004
-30.50 52 Sep 2000
Dec 2004
-23.52 26 Jan 2022
Feb 2024
-22.24 25 Jan 2022
Jan 2024
-17.97 8 Jan 2020
Aug 2020
-15.46 6 Feb 2020
Jul 2020
-13.87 5 Jul 1998
Nov 1998
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-11.51 15 Feb 2018
Apr 2019
-10.78 14 Jun 2015
Jul 2016
-10.58 7 Oct 2018
Apr 2019
-6.60 12 Jun 2015
May 2016

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All Country World 80/20 Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-45.61 62 Nov 2007
Dec 2012
-38.53 38 Nov 2007
Dec 2010
-35.43 51 Sep 2000
Nov 2004
-30.50 52 Sep 2000
Dec 2004
-23.52 26 Jan 2022
Feb 2024
-23.27 20 Sep 1987
Apr 1989
-22.24 25 Jan 2022
Jan 2024
-22.19 16 Sep 1987
Dec 1988
-18.35 28 Sep 1989
Dec 1991
-17.97 8 Jan 2020
Aug 2020
-15.46 6 Feb 2020
Jul 2020
-13.87 5 Jul 1998
Nov 1998
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-11.51 15 Feb 2018
Apr 2019

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 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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All Country World 80/20 Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 8.96 -2.93 5.18 -5.64
2024
 13.75 -3.30 18.20 -3.90
2023
 19.08 -8.64 20.89 -8.12
2022
 -17.17 -23.52 -17.91 -22.24
2021
 14.21 -3.60 18.79 -3.72
2020
 14.55 -17.97 17.70 -15.46
2019
 23.35 -4.62 25.21 -4.59
2018
 -7.79 -11.51 -3.94 -10.58
2017
 20.43 0.00 16.80 0.00
2016
 7.66 -5.08 10.25 -3.99
2015
 -1.32 -9.49 0.41 -6.60
2014
 4.31 -3.32 10.86 -1.99
2013
 17.86 -3.46 24.56 -2.57
2012
 15.19 -7.89 13.13 -4.80
2011
 -4.38 -17.02 2.71 -12.27
2010
 12.00 -9.60 14.62 -9.46
2009
 28.02 -16.08 22.58 -13.96
2008
 -33.39 -34.76 -26.02 -28.15
2007
 10.99 -2.73 5.76 -3.89
2006
 18.78 -2.05 12.84 -2.48
2005
 10.41 -1.78 5.33 -3.14
2004
 14.78 -2.07 10.65 -2.89
2003
 30.51 -1.45 24.06 -2.85
2002
 -13.28 -20.43 -13.29 -18.79
2001
 -10.46 -19.45 -6.12 -16.19
2000
 -6.91 -10.39 -5.08 -11.10
1999
 21.78 -3.37 17.67 -4.79
1998
 19.76 -13.87 19.59 -13.02
1997
 13.23 -5.76 25.61 -3.67
1996
 12.23 -4.12 16.62 -4.42
1995
 19.50 -1.09 31.38 -0.57
1994
 3.53 -5.80 -0.79 -6.83
1993
 22.62 -0.88 10.39 -1.89
1992
 -1.62 -4.76 8.62 -1.93
1991
 19.58 -4.80 28.11 -3.49
1990
 -11.80 -17.51 -2.40 -11.23
1989
 16.58 -3.52 24.50 -1.72
1988
 20.67 -2.19 14.83 -2.69
1987
 13.56 -22.19 2.34 -23.27
1986
 37.13 -5.17 14.71 -6.46
1985
 37.92 -1.68 29.02 -3.12
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