Roger Gibson Talmud Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings
Period: January 1928 - April 2025 (~97 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 1928)
Inflation Adjusted:
Roger Gibson Talmud Portfolio
1.00$
Initial Capital
May 1995
11.45$
Final Capital
April 2025
8.47%
Yearly Return
10.94%
Std Deviation
-40.17%
Max Drawdown
41months
Recovery Period
1.00$
Initial Capital
May 1995
5.44$
Final Capital
April 2025
5.81%
Yearly Return
10.94%
Std Deviation
-42.21%
Max Drawdown
49months
Recovery Period
1.00$
Initial Capital
January 1928
1.4K$
Final Capital
April 2025
7.76%
Yearly Return
12.34%
Std Deviation
-57.05%
Max Drawdown
89months
Recovery Period
1.00$
Initial Capital
January 1928
78.34$
Final Capital
April 2025
4.58%
Yearly Return
12.34%
Std Deviation
-45.76%
Max Drawdown
46months
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 1928
4.4K$
Final Capital
April 2025
9.01%
Yearly Return
14.17%
Std Deviation
-72.36%
Max Drawdown
89months
Recovery Period
1.00$
Initial Capital
January 1928
239.85$
Final Capital
April 2025
5.79%
Yearly Return
14.17%
Std Deviation
-65.10%
Max Drawdown
77months
Recovery Period

As of April 2025, in the previous 30 Years, the Roger Gibson Talmud Portfolio obtained a 8.47% compound annual return, with a 10.94% standard deviation. It suffered a maximum drawdown of -40.17% that required 41 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.

Roger Gibson Talmud Portfolio
Weight
(%)		 Ticker Name
33.34
VTI
Vanguard Total Stock Market
33.33
VNQ
Vanguard Real Estate
33.33
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 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 1928 - 30 April 2025 (~97 years)
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Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~97Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_roger_gibson.webp Talmud Portfolio
Roger Gibson 		-0.72 -0.93 -1.15 11.83 7.35 6.37 8.47 7.76
//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 9.01
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

Roger Gibson Talmud Portfolio: an investment of 1$, since May 1995, now would be worth 11.45$, with a total return of 1045.13% (8.47% 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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Roger Gibson Talmud Portfolio: an investment of 1$, since January 1928, now would be worth 1447.09$, with a total return of 144609.43% (7.76% annualized).

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since January 1928, now would be worth 4430.45$, with a total return of 442944.86% (9.01% 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 1928 - 30 April 2025 (~97 years)
Swipe left to see all data
Talmud Portfolio Simple Path to Wealth
Author Roger Gibson JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.83 10.80
Infl. Adjusted Return (%) 9.56 8.55
DRAWDOWN
Deepest Drawdown Depth (%) -5.09 -6.01
Start to Recovery (months) 5* 5*
Longest Drawdown Depth (%) -5.09 -6.01
Start to Recovery (months) 5* 5*
Longest Negative Period (months) 8* 8*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.47 9.45
Sharpe Ratio 0.74 0.63
Sortino Ratio 0.94 0.85
Ulcer Index 2.43 2.45
Ratio: Return / Standard Deviation 1.25 1.14
Ratio: Return / Deepest Drawdown 2.32 1.80
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Talmud Portfolio Simple Path to Wealth
Author Roger Gibson JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.35 11.15
Infl. Adjusted Return (%) 2.70 6.33
DRAWDOWN
Deepest Drawdown Depth (%) -22.88 -22.24
Start to Recovery (months) 32 25
Longest Drawdown Depth (%) -22.88 -22.24
Start to Recovery (months) 32 25
Longest Negative Period (months) 35 31
RISK INDICATORS
Standard Deviation (%) 12.94 13.32
Sharpe Ratio 0.37 0.65
Sortino Ratio 0.50 0.87
Ulcer Index 9.89 8.02
Ratio: Return / Standard Deviation 0.57 0.84
Ratio: Return / Deepest Drawdown 0.32 0.50
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Talmud Portfolio Simple Path to Wealth
Author Roger Gibson JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.37 9.22
Infl. Adjusted Return (%) 3.20 5.97
DRAWDOWN
Deepest Drawdown Depth (%) -22.88 -22.24
Start to Recovery (months) 32 25
Longest Drawdown Depth (%) -22.88 -22.24
Start to Recovery (months) 32 25
Longest Negative Period (months) 35 31
RISK INDICATORS
Standard Deviation (%) 11.59 12.39
Sharpe Ratio 0.40 0.60
Sortino Ratio 0.53 0.80
Ulcer Index 7.39 6.22
Ratio: Return / Standard Deviation 0.55 0.74
Ratio: Return / Deepest Drawdown 0.28 0.41
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Talmud Portfolio Simple Path to Wealth
Author Roger Gibson JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.47 9.05
Infl. Adjusted Return (%) 5.81 6.37
DRAWDOWN
Deepest Drawdown Depth (%) -40.17 -38.53
Start to Recovery (months) 41 38
Longest Drawdown Depth (%) -40.17 -30.50
Start to Recovery (months) 41 52
Longest Negative Period (months) 65 122
RISK INDICATORS
Standard Deviation (%) 10.94 11.83
Sharpe Ratio 0.57 0.57
Sortino Ratio 0.73 0.75
Ulcer Index 7.45 9.48
Ratio: Return / Standard Deviation 0.77 0.76
Ratio: Return / Deepest Drawdown 0.21 0.23
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Talmud Portfolio Simple Path to Wealth
Author Roger Gibson JL Collins
ASSET ALLOCATION
Stocks 66.67% 75%
Fixed Income 33.33% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.76 9.01
Infl. Adjusted Return (%) 4.58 5.79
DRAWDOWN
Deepest Drawdown Depth (%) -57.05 -72.36
Start to Recovery (months) 89 89
Longest Drawdown Depth (%) -57.05 -72.36
Start to Recovery (months) 89 89
Longest Negative Period (months) 160 163
RISK INDICATORS
Standard Deviation (%) 12.34 14.17
Sharpe Ratio 0.36 0.40
Sortino Ratio 0.49 0.55
Ulcer Index 10.05 14.28
Ratio: Return / Standard Deviation 0.63 0.64
Ratio: Return / Deepest Drawdown 0.14 0.12
Metrics calculated over the period 1 January 1928 - 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 1928 - 30 April 2025 (~97 years)

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Talmud Portfolio Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-40.17 41 Jun 2007
Oct 2010
-38.53 38 Nov 2007
Dec 2010
-30.50 52 Sep 2000
Dec 2004
-22.88 32 Jan 2022
Aug 2024
-22.24 25 Jan 2022
Jan 2024
-15.46 6 Feb 2020
Jul 2020
-15.16 7 Feb 2020
Aug 2020
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-10.58 7 Oct 2018
Apr 2019
-10.50 8 Jun 2011
Jan 2012
-10.43 6 Jul 1998
Dec 1998
-8.26 14 Apr 2002
May 2003
-7.57 6 Sep 2018
Feb 2019
-6.69 5 Apr 2004
Aug 2004

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Talmud Portfolio Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-72.36 89 Sep 1929
Jan 1937
-57.05 89 Sep 1929
Jan 1937
-40.17 41 Jun 2007
Oct 2010
-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
-29.48 67 Aug 1937
Feb 1943
-25.53 38 Dec 1972
Jan 1976
-23.27 20 Sep 1987
Apr 1989
-23.08 27 Dec 1968
Feb 1971
-22.88 32 Jan 2022
Aug 2024
-22.24 25 Jan 2022
Jan 2024
-16.39 16 Jan 1962
Apr 1963
-16.21 41 Jun 1946
Oct 1949

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 1928 - 30 April 2025 (~97 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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Talmud Portfolio Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -0.72 -3.70 -3.35 -5.64
2024
 10.00 -4.87 18.20 -3.90
2023
 14.42 -9.16 20.89 -8.12
2022
 -19.62 -22.88 -17.91 -22.24
2021
 21.44 -3.93 18.79 -3.72
2020
 8.02 -15.16 17.70 -15.46
2019
 22.79 -1.65 25.21 -4.59
2018
 -3.78 -7.57 -3.94 -10.58
2017
 9.90 -0.80 16.80 0.00
2016
 7.99 -4.84 10.25 -3.99
2015
 1.11 -5.69 0.41 -6.60
2014
 16.24 -3.05 10.86 -1.99
2013
 11.22 -4.74 24.56 -2.57
2012
 12.41 -3.41 13.13 -4.80
2011
 5.83 -10.50 2.71 -12.27
2010
 17.33 -7.24 14.62 -9.46
2009
 20.87 -18.28 22.58 -13.96
2008
 -22.37 -28.90 -26.02 -28.15
2007
 -1.40 -7.11 5.76 -3.89
2006
 18.42 -3.01 12.84 -2.48
2005
 6.88 -3.47 5.33 -3.14
2004
 15.93 -6.69 10.65 -2.89
2003
 23.46 -1.81 24.06 -2.85
2002
 -2.82 -8.26 -13.29 -18.79
2001
 3.27 -5.08 -6.12 -16.19
2000
 9.05 -4.13 -5.08 -11.10
1999
 6.34 -4.64 17.67 -4.79
1998
 5.18 -10.43 19.59 -13.02
1997
 19.74 -1.89 25.61 -3.67
1996
 19.46 -1.65 16.62 -4.42
1995
 22.03 -0.94 31.38 -0.57
1994
 -3.74 -8.67 -0.79 -6.83
1993
 13.33 -2.90 10.39 -1.89
1992
 10.28 -1.73 8.62 -1.93
1991
 27.78 -2.56 28.11 -3.49
1990
 -4.26 -10.14 -2.40 -11.23
1989
 16.87 -1.33 24.50 -1.72
1988
 12.71 -1.50 14.83 -2.69
1987
 0.17 -15.52 2.34 -23.27
1986
 16.28 -3.57 14.71 -6.46
1985
 24.20 -2.28 29.02 -3.12
1984
 12.71 -4.02 5.39 -7.49
1983
 19.51 -2.63 18.30 -2.99
1982
 24.41 -3.38 23.16 -6.05
1981
 3.76 -8.59 -0.76 -10.31
1980
 20.13 -9.71 25.59 -10.43
1979
 21.82 -8.78 19.52 -6.87
1978
 6.65 -7.13 6.63 -9.36
1977
 6.70 -1.95 -2.26 -6.16
1976
 29.26 -1.67 23.29 -1.55
1975
 21.49 -7.79 30.20 -9.59
1974
 -14.51 -20.06 -19.44 -25.55
1973
 -9.74 -10.13 -12.52 -13.38
1972
 9.45 -2.27 13.90 -1.83
1971
 10.45 -6.96 15.59 -6.04
1970
 10.08 -12.17 7.90 -13.78
1969
 -1.80 -6.18 -8.24 -9.08
1968
 6.81 -3.69 10.76 -3.48
1967
 9.72 -3.90 20.41 -3.58
1966
 -0.84 -8.95 -5.30 -11.58
1965
 5.52 -3.72 10.83 -3.46
1964
 7.19 -1.30 13.27 -1.00
1963
 8.31 -2.46 16.27 -2.14
1962
 -1.20 -12.80 -5.79 -16.39
1961
 9.75 -2.91 20.54 -2.28
1960
 4.91 -4.48 3.95 -5.07
1959
 3.73 -4.97 9.16 -4.50
1958
 14.22 -2.11 32.90 -1.07
1957
 0.45 -7.30 -5.31 -9.67
1956
 2.62 -6.16 5.99 -5.92
1955
 8.32 -3.92 19.10 -2.31
1954
 18.11 -3.79 38.65 -2.55
1953
 5.28 -3.00 1.41 -5.97
1952
 6.76 -3.14 10.77 -2.90
1951
 8.95 -5.14 15.57 -4.75
1950
 11.28 -4.60 22.71 -4.16
1949
 8.15 -4.52 16.07 -3.13
1948
 2.34 -7.33 2.42 -8.23
1947
 8.22 -2.39 2.77 -4.75
1946
 6.18 -10.61 -4.52 -16.21
1945
 18.38 -3.34 29.94 -2.98
1944
 13.36 -1.14 16.49 -1.16
1943
 13.94 -7.79 21.54 -6.35
1942
 7.12 -9.40 12.87 -9.29
1941
 -5.41 -8.93 -7.01 -10.12
1940
 0.15 -15.43 -4.30 -17.69
1939
 1.38 -9.87 2.53 -10.97
1938
 10.63 -18.12 22.38 -19.10
1937
 -10.14 -17.27 -25.67 -29.12
1936
 13.80 -5.89 26.37 -5.59
1935
 19.99 -8.97 35.70 -6.99
1934
 4.17 -10.97 3.55 -13.03
1933
 18.79 -17.83 43.64 -14.92
1932
 -2.29 -28.97 -3.42 -32.87
1931
 -18.11 -28.11 -33.61 -41.46
1930
 -8.30 -19.91 -19.33 -29.09
1929
 -3.04 -22.74 -7.41 -26.56
1928
 13.08 -4.68 28.78 -3.26
Mastering Etf Investing
The first official book of
Mastering ETF Investing
Build wealth
with Lazy Portfolios and Passive Investing
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English book
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