Gold Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - April 2025 (~154 years)
Consolidated Returns as of 30 April 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1871)
Inflation Adjusted:
Gold Portfolio
1.00$
Initial Capital
May 1995
7.75$
Final Capital
April 2025
7.06%
Yearly Return
15.69%
Std Deviation
-42.91%
Max Drawdown
107months
Recovery Period
1.00$
Initial Capital
May 1995
3.68$
Final Capital
April 2025
4.44%
Yearly Return
15.69%
Std Deviation
-45.71%
Max Drawdown
158months
Recovery Period
1.00$
Initial Capital
January 1871
132.23$
Final Capital
April 2025
3.22%
Yearly Return
12.69%
Std Deviation
-61.78%
Max Drawdown
319months
Recovery Period
1.00$
Initial Capital
January 1871
5.16$
Final Capital
April 2025
1.07%
Yearly Return
12.69%
Std Deviation
-82.52%
Max Drawdown
542months
Recovery Period
JL Collins Simple Path to Wealth Portfolio
1.00$
Initial Capital
May 1995
13.44$
Final Capital
April 2025
9.05%
Yearly Return
11.83%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Initial Capital
May 1995
6.38$
Final Capital
April 2025
6.37%
Yearly Return
11.83%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
January 1871
218.1K$
Final Capital
April 2025
8.29%
Yearly Return
12.49%
Std Deviation
-72.36%
Max Drawdown
89months
Recovery Period
1.00$
Initial Capital
January 1871
8.5K$
Final Capital
April 2025
6.04%
Yearly Return
12.49%
Std Deviation
-65.10%
Max Drawdown
77months
Recovery Period

As of April 2025, in the previous 30 Years, the Gold Portfolio obtained a 7.06% compound annual return, with a 15.69% standard deviation. It suffered a maximum drawdown of -42.91% that required 107 months to be recovered.

As of April 2025, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.05% compound annual return, with a 11.83% 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.

Gold Portfolio
Weight
(%)		 Ticker Name
100.00
GLD
SPDR Gold Trust
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 Apr 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
Period: 1 January 1871 - 30 April 2025 (~154 years)
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Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~154Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gold.webp Gold
-- Market Benchmark 		25.46 5.42 19.83 43.38 13.85 10.35 7.06 3.22
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		-3.35 -0.44 -0.89 10.80 11.15 9.22 9.05 8.29
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

Gold Portfolio: an investment of 1$, since May 1995, now would be worth 7.75$, with a total return of 675.13% (7.06% annualized).

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since May 1995, now would be worth 13.44$, with a total return of 1243.70% (9.05% annualized).


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Gold Portfolio: an investment of 1$, since January 1871, now would be worth 132.23$, with a total return of 13123.32% (3.22% annualized).

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since January 1871, now would be worth 218141.42$, with a total return of 21814041.55% (8.29% annualized).


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Portfolio Metrics as of Apr 30, 2025

The following metrics, updated as of 30 April 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 May 2024 - 30 April 2025 (1 year)
Period: 1 May 2020 - 30 April 2025 (5 years)
Period: 1 May 2015 - 30 April 2025 (10 years)
Period: 1 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1871 - 30 April 2025 (~154 years)
Swipe left to see all data
Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 43.38 10.80
Infl. Adjusted Return (%) 40.46 8.55
DRAWDOWN
Deepest Drawdown Depth (%) -4.49 -6.01
Start to Recovery (months) 3 5*
Longest Drawdown Depth (%) -4.49 -6.01
Start to Recovery (months) 3 5*
Longest Negative Period (months) 3 8*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 12.01 9.45
Sharpe Ratio 3.21 0.63
Sortino Ratio 4.47 0.85
Ulcer Index 1.52 2.45
Ratio: Return / Standard Deviation 3.61 1.14
Ratio: Return / Deepest Drawdown 9.66 1.80
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 13.85 11.15
Infl. Adjusted Return (%) 8.91 6.33
DRAWDOWN
Deepest Drawdown Depth (%) -18.08 -22.24
Start to Recovery (months) 40 25
Longest Drawdown Depth (%) -18.08 -22.24
Start to Recovery (months) 40 25
Longest Negative Period (months) 39 31
RISK INDICATORS
Standard Deviation (%) 14.73 13.32
Sharpe Ratio 0.77 0.65
Sortino Ratio 1.14 0.87
Ulcer Index 6.97 8.02
Ratio: Return / Standard Deviation 0.94 0.84
Ratio: Return / Deepest Drawdown 0.77 0.50
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 10.35 9.22
Infl. Adjusted Return (%) 7.06 5.97
DRAWDOWN
Deepest Drawdown Depth (%) -18.08 -22.24
Start to Recovery (months) 40 25
Longest Drawdown Depth (%) -18.08 -22.24
Start to Recovery (months) 40 25
Longest Negative Period (months) 41 31
RISK INDICATORS
Standard Deviation (%) 14.10 12.39
Sharpe Ratio 0.61 0.60
Sortino Ratio 0.91 0.80
Ulcer Index 6.65 6.22
Ratio: Return / Standard Deviation 0.73 0.74
Ratio: Return / Deepest Drawdown 0.57 0.41
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 7.06 9.05
Infl. Adjusted Return (%) 4.44 6.37
DRAWDOWN
Deepest Drawdown Depth (%) -42.91 -38.53
Start to Recovery (months) 107 38
Longest Drawdown Depth (%) -42.91 -30.50
Start to Recovery (months) 107 52
Longest Negative Period (months) 145 122
RISK INDICATORS
Standard Deviation (%) 15.69 11.83
Sharpe Ratio 0.31 0.57
Sortino Ratio 0.45 0.75
Ulcer Index 20.47 9.48
Ratio: Return / Standard Deviation 0.45 0.76
Ratio: Return / Deepest Drawdown 0.16 0.23
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 3.22 8.29
Infl. Adjusted Return (%) 1.07 6.04
DRAWDOWN
Deepest Drawdown Depth (%) -61.78 -72.36
Start to Recovery (months) 319 89
Longest Drawdown Depth (%) -12.20 -72.36
Start to Recovery (months) 685 89
Longest Negative Period (months) 744 163
RISK INDICATORS
Standard Deviation (%) 12.69 12.49
Sharpe Ratio -0.06 0.34
Sortino Ratio -0.11 0.48
Ulcer Index 22.24 12.08
Ratio: Return / Standard Deviation 0.25 0.66
Ratio: Return / Deepest Drawdown 0.05 0.11
Metrics calculated over the period 1 January 1871 - 30 April 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 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1871 - 30 April 2025 (~154 years)

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Gold Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-42.91 107 Sep 2011
Jul 2020
-38.53 38 Nov 2007
Dec 2010
-37.17 95 Feb 1996
Dec 2003
-30.50 52 Sep 2000
Dec 2004
-25.83 15 Mar 2008
May 2009
-22.24 25 Jan 2022
Jan 2024
-18.08 40 Aug 2020
Nov 2023
-15.46 6 Feb 2020
Jul 2020
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-10.58 7 Oct 2018
Apr 2019
-8.64 10 Dec 2004
Sep 2005
-8.63 10 May 2006
Feb 2007
-8.37 6 Dec 2009
May 2010
-8.31 7 Apr 2004
Oct 2004

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Gold Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-72.36 89 Sep 1929
Jan 1937
-61.78 319 Oct 1980
Apr 2007
-44.24 43 Jan 1975
Jul 1978
-42.91 107 Sep 2011
Jul 2020
-39.03 73 Mar 1937
Mar 1943
-38.53 38 Nov 2007
Dec 2010
-34.54 37 Jan 1973
Jan 1976
-30.50 52 Sep 2000
Dec 2004
-25.83 15 Mar 2008
May 2009
-24.84 34 Apr 1876
Jan 1879
-24.27 5 Feb 1980
Jun 1980
-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

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 April 2025 (~154 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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Gold Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 25.46 0.00 -3.35 -5.64
2024
 26.66 -4.49 18.20 -3.90
2023
 12.69 -7.22 20.89 -8.12
2022
 -0.77 -15.91 -17.91 -22.24
2021
 -4.15 -10.32 18.79 -3.72
2020
 24.81 -10.12 17.70 -15.46
2019
 17.86 -4.10 25.21 -4.59
2018
 -1.94 -11.66 -3.94 -10.58
2017
 12.81 -4.09 16.80 0.00
2016
 8.03 -15.02 10.25 -3.99
2015
 -10.67 -17.81 0.41 -6.60
2014
 -2.19 -12.44 10.86 -1.99
2013
 -28.33 -28.33 24.56 -2.57
2012
 6.60 -10.45 13.13 -4.80
2011
 9.57 -14.48 2.71 -12.27
2010
 29.27 -5.09 14.62 -9.46
2009
 24.03 -7.20 22.58 -13.96
2008
 4.92 -25.83 -26.02 -28.15
2007
 30.45 -4.20 5.76 -3.89
2006
 22.55 -8.63 12.84 -2.48
2005
 17.76 -4.91 5.33 -3.14
2004
 4.65 -8.31 10.65 -2.89
2003
 19.89 -8.88 24.06 -2.85
2002
 25.57 -6.72 -13.29 -18.79
2001
 0.75 -6.10 -6.12 -16.19
2000
 -5.44 -9.93 -5.08 -11.10
1999
 0.85 -11.47 17.67 -4.79
1998
 -0.83 -12.01 19.59 -13.02
1997
 -21.41 -21.41 25.61 -3.67
1996
 -4.59 -8.95 16.62 -4.42
1995
 0.98 -2.46 31.38 -0.57
1994
 -2.17 -3.91 -0.79 -6.83
1993
 17.68 -11.51 10.39 -1.89
1992
 -5.73 -6.97 8.62 -1.93
1991
 -8.56 -10.05 28.11 -3.49
1990
 -3.11 -15.14 -2.40 -11.23
1989
 -2.84 -12.30 24.50 -1.72
1988
 -15.26 -18.05 14.83 -2.69
1987
 24.53 -1.97 2.34 -23.27
1986
 18.96 -8.14 14.71 -6.46
1985
 6.00 -6.67 29.02 -3.12
1984
 -19.38 -21.80 5.39 -7.49
1983
 -16.31 -23.52 18.30 -2.99
1982
 14.94 -20.13 23.16 -6.05
1981
 -32.60 -32.60 -0.76 -10.31
1980
 15.19 -24.27 25.59 -10.43
1979
 126.55 -4.46 19.52 -6.87
1978
 37.01 -20.28 6.63 -9.36
1977
 22.64 -4.00 -2.26 -6.16
1976
 -4.10 -25.85 23.29 -1.55
1975
 -24.80 -25.92 30.20 -9.59
1974
 66.15 -16.62 -19.44 -25.55
1973
 72.96 -20.49 -12.52 -13.38
1972
 49.02 -6.88 13.90 -1.83
1971
 16.70 -3.48 15.59 -6.04
1970
 6.16 -1.56 7.90 -13.78
1969
 -16.07 -19.25 -8.24 -9.08
1968
 18.16 -7.38 10.76 -3.48
1967
 0.28 0.00 20.41 -3.58
1966
 -0.28 -0.28 -5.30 -11.58
1965
 0.42 0.00 10.83 -3.46
1964
 0.28 0.00 13.27 -1.00
1963
 -0.28 -0.28 16.27 -2.14
1962
 -0.42 -0.42 -5.79 -16.39
1961
 -2.74 -2.74 20.54 -2.28
1960
 3.55 0.00 3.95 -5.07
1959
 0.00 0.00 9.16 -4.50
1958
 0.00 0.00 32.90 -1.07
1957
 0.14 0.00 -5.31 -9.67
1956
 0.14 0.00 5.99 -5.92
1955
 -0.28 -0.28 19.10 -2.31
1954
 -0.70 -0.70 38.65 -2.55
1953
 -8.27 -8.27 1.41 -5.97
1952
 -3.25 -3.25 10.77 -2.90
1951
 -0.62 -0.62 15.57 -4.75
1950
 -0.62 -0.62 22.71 -4.16
1949
 -3.57 -3.57 16.07 -3.13
1948
 -2.33 -2.33 2.42 -8.23
1947
 12.42 0.00 2.77 -4.75
1946
 2.68 0.00 -4.52 -16.21
1945
 2.76 0.00 29.94 -2.98
1944
 -0.68 -0.68 16.49 -1.16
1943
 2.82 0.00 21.54 -6.35
1942
 0.00 0.00 12.87 -9.29
1941
 2.90 0.00 -7.01 -10.12
1940
 -1.43 -1.43 -4.30 -17.69
1939
 0.00 0.00 2.53 -10.97
1938
 0.00 0.00 22.38 -19.10
1937
 0.00 0.00 -25.67 -29.12
1936
 0.00 0.00 26.37 -5.59
1935
 0.00 0.00 35.70 -6.99
1934
 8.29 0.00 3.55 -13.03
1933
 56.36 0.00 43.64 -14.92
1932
 0.00 0.00 -3.42 -32.87
1931
 0.00 0.00 -33.61 -41.46
1930
 0.00 0.00 -19.33 -29.09
1929
 0.00 0.00 -7.41 -26.56
1928
 0.00 0.00 28.78 -3.26
1927
 0.00 0.00 26.32 -3.33
1926
 0.00 0.00 9.77 -6.71
1925
 0.00 0.00 20.13 -4.94
1924
 0.00 0.00 22.24 -2.46
1923
 0.00 0.00 4.96 -9.69
1922
 0.00 0.00 23.16 -3.41
1921
 0.00 0.00 10.85 -6.53
1920
 0.00 0.00 -10.45 -11.42
1919
 0.00 0.00 15.27 -5.90
1918
 0.00 0.00 14.77 -2.74
1917
 0.00 0.00 -14.41 -14.41
1916
 0.00 0.00 6.95 -2.62
1915
 0.00 0.00 24.93 -1.68
1914
 0.00 0.00 -2.47 -14.54
1913
 0.00 0.00 -2.61 -5.89
1912
 0.00 0.00 5.73 -3.09
1911
 0.00 0.00 3.63 -7.33
1910
 0.00 0.00 -1.54 -8.01
1909
 0.00 0.00 12.43 -1.94
1908
 0.00 0.00 32.43 -2.43
1907
 0.00 0.00 -18.25 -21.02
1906
 0.00 0.00 0.63 -7.39
1905
 0.00 0.00 16.09 -4.13
1904
 0.00 0.00 25.55 -1.74
1903
 0.00 0.00 -12.31 -18.68
1902
 0.00 0.00 6.41 -5.71
1901
 0.00 0.00 15.01 -6.29
1900
 0.00 0.00 16.53 -3.90
1899
 0.00 0.00 2.63 -6.87
1898
 0.00 0.00 23.09 -4.45
1897
 0.00 0.00 16.69 -3.91
1896
 0.00 0.00 3.42 -9.90
1895
 0.00 0.00 3.72 -7.88
1894
 0.00 0.00 4.21 -3.94
1893
 0.00 0.00 -12.95 -20.33
1892
 0.00 0.00 5.09 -1.78
1891
 0.00 0.00 15.48 -3.34
1890
 0.00 0.00 -4.34 -10.07
1889
 0.00 0.00 5.90 -1.85
1888
 0.00 0.00 3.83 -2.73
1887
 0.00 0.00 -0.16 -7.47
1886
 0.00 0.00 9.13 -3.53
1885
 0.00 0.00 23.82 -1.25
1884
 0.00 0.00 -8.30 -11.13
1883
 0.00 0.00 -3.07 -4.86
1882
 0.00 0.00 3.46 -4.42
1881
 0.00 0.00 1.01 -7.73
1880
 0.00 0.00 21.20 -6.57
1879
 -0.10 -0.10 37.70 -0.86
1878
 -2.64 -2.64 13.81 -0.64
1877
 -4.71 -4.71 0.08 -14.14
1876
 -5.27 -5.27 -8.84 -12.52
1875
 1.95 0.00 5.63 -2.54
1874
 1.54 0.00 6.93 -4.14
1873
 -1.94 -1.94 -0.84 -12.81
1872
 2.66 0.00 8.79 -2.88
1871
 -1.27 -1.27 12.38 -3.58
Mastering Etf Investing
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Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
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