Gold 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:
Gold Portfolio
1.00$
Invested Capital
July 1995
7.83$
Final Capital
June 2025
7.10%
Yearly Return
15.68%
Std Deviation
-42.91%
Max Drawdown
107months
Recovery Period
1.00$
Invested Capital
July 1995
3.72$
Final Capital
June 2025
4.48%
Yearly Return
15.68%
Std Deviation
-45.71%
Max Drawdown
158months
Recovery Period
1.00$
Invested Capital
January 1871
132.69$
Final Capital
June 2025
3.21%
Yearly Return
12.68%
Std Deviation
-61.78%
Max Drawdown
319months
Recovery Period
1.00$
Invested Capital
January 1871
5.16$
Final Capital
June 2025
1.07%
Yearly Return
12.68%
Std Deviation
-82.52%
Max Drawdown
542months
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 Gold Portfolio obtained a 7.10% compound annual return, with a 15.68% standard deviation. It suffered a maximum drawdown of -42.91% that required 107 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.

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 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 (%)
Gold
 1 $ 7.83 $ 683.26% 7.10%
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 (%)
Gold
 1 $ 3.72 $ 272.25% 4.48%
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 (%)
Gold
 1 $ 132.69 $ 13 169.46% 3.21%
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 (%)
Gold
 1 $ 5.16 $ 416.38% 1.07%
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)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_gold.webp Gold
-- Market Benchmark 		25.90 0.41 25.90 41.77 12.74 10.49 7.10 3.21
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 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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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 41.77 12.99
Infl. Adjusted (%) 38.41 10.31
DRAWDOWN
Deepest Drawdown Depth (%) -4.49 -6.01
Start to Recovery (months) 3 7
Longest Drawdown Depth (%) -4.49 -6.01
Start to Recovery (months) 3 7
Longest Negative Period (months) 3 8
RISK INDICATORS
Standard Deviation (%) 12.19 9.99
Sharpe Ratio 3.05 0.84
Sortino Ratio 4.27 1.13
Ulcer Index 1.52 2.51
Ratio: Return / Standard Deviation 3.43 1.30
Ratio: Return / Deepest Drawdown 9.31 2.16
Metrics calculated over the period 1 July 2024 - 30 June 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 (%) 12.74 11.74
Infl. Adjusted (%) 7.86 6.90
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 (%) 14.71 13.41
Sharpe Ratio 0.68 0.68
Sortino Ratio 1.03 0.91
Ulcer Index 6.97 8.03
Ratio: Return / Standard Deviation 0.87 0.88
Ratio: Return / Deepest Drawdown 0.70 0.53
Metrics calculated over the period 1 July 2020 - 30 June 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 (%) 10.49 10.23
Infl. Adjusted (%) 7.23 6.97
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) 39 31
RISK INDICATORS
Standard Deviation (%) 14.08 12.46
Sharpe Ratio 0.62 0.67
Sortino Ratio 0.92 0.89
Ulcer Index 6.57 6.22
Ratio: Return / Standard Deviation 0.75 0.82
Ratio: Return / Deepest Drawdown 0.58 0.46
Metrics calculated over the period 1 July 2015 - 30 June 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 (%) 7.10 9.14
Infl. Adjusted (%) 4.48 6.47
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 (%) 15.68 11.85
Sharpe Ratio 0.31 0.58
Sortino Ratio 0.46 0.76
Ulcer Index 20.46 9.48
Ratio: Return / Standard Deviation 0.45 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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Gold Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 0% 75%
Fixed Income 0% 25%
Commodities 100% 0%
PERFORMANCES
Annualized Return (%) 3.21 8.34
Infl. Adjusted (%) 1.07 6.09
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 (%) 12.68 12.49
Sharpe Ratio -0.06 0.35
Sortino Ratio -0.11 0.48
Ulcer Index 22.23 12.07
Ratio: Return / Standard Deviation 0.25 0.67
Ratio: Return / Deepest Drawdown 0.05 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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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 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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Gold Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 25.90 -0.06 5.18 -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 -5.06
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
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