JL Collins Simple Path to Wealth Portfolio vs Stocks/Bonds 20/80 Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - May 2025 (~154 years)
Consolidated Returns as of 31 May 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond May 2025.
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Results
30 Years
(1995/06 - 2025/05)
All Data
(1871/01 - 2025/05)
Inflation Adjusted:
JL Collins Simple Path to Wealth Portfolio
1.00$
Invested Capital
June 1995
13.54$
Final Capital
May 2025
9.07%
Yearly Return
11.83%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
June 1995
6.42$
Final Capital
May 2025
6.40%
Yearly Return
11.83%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1871
227.75 K$
Final Capital
May 2025
8.32%
Yearly Return
12.49%
Std Deviation
-72.36%
Max Drawdown
89months
Recovery Period
1.00$
Invested Capital
January 1871
8.86 K$
Final Capital
May 2025
6.06%
Yearly Return
12.49%
Std Deviation
-65.10%
Max Drawdown
77months
Recovery Period
Stocks/Bonds 20/80 Portfolio
1.00$
Invested Capital
June 1995
5.15$
Final Capital
May 2025
5.62%
Yearly Return
4.92%
Std Deviation
-16.57%
Max Drawdown
33months
Recovery Period
1.00$
Invested Capital
June 1995
2.44$
Final Capital
May 2025
3.02%
Yearly Return
4.92%
Std Deviation
-24.58%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1871
5.10 K$
Final Capital
May 2025
5.68%
Yearly Return
5.12%
Std Deviation
-18.94%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1871
198.33$
Final Capital
May 2025
3.49%
Yearly Return
5.12%
Std Deviation
-46.65%
Max Drawdown
126months
Recovery Period

As of May 2025, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.07% compound annual return, with a 11.83% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 months to be recovered.

As of May 2025, in the previous 30 Years, the Stocks/Bonds 20/80 Portfolio obtained a 5.62% compound annual return, with a 4.92% standard deviation. It suffered a maximum drawdown of -16.57% that required 33 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.

JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market
Stocks/Bonds 20/80 Portfolio
Weight
(%)		 Ticker Name
20.00
VTI
Vanguard Total Stock Market
80.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of May 31, 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
(1995/06 - 2025/05)
All Data
(1871/01 - 2025/05)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 13.54 $ 1 254.26% 9.07%
Stocks/Bonds 20/80
 1 $ 5.15 $ 415.07% 5.62%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 6.42 $ 542.37% 6.40%
Stocks/Bonds 20/80
 1 $ 2.44 $ 144.31% 3.02%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 227 748.72 $ 22 774 771.93% 8.32%
Stocks/Bonds 20/80
 1 $ 5 096.47 $ 509 547.12% 5.68%
Jan 1871 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
JL Collins Simple Path to Wealth
JL Collins 		1 $ 8 862.78 $ 886 178.35% 6.06%
Stocks/Bonds 20/80
 1 $ 198.33 $ 19 732.79% 3.49%
Jan 1871 May 2025

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Return (%) as of May 31, 2025
YTD
(5M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~154Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		0.90 4.40 -1.87 11.19 11.22 9.60 9.07 8.32
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp Stocks/Bonds 20/80
-- Market Benchmark 		2.07 0.62 0.02 7.12 2.30 3.72 5.62 5.68
Returns over 1 year are annualized.
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Portfolio Metrics as of May 31, 2025

The following metrics, updated as of 31 May 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1871 - 31 May 2025 (~154 years)
1 Year
5 Years
10 Years
30 Years
All (1871/01 - 2025/05)
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Simple Path to Wealth Stocks/Bonds 20/80
Author JL Collins
ASSET ALLOCATION
Stocks 75% 20%
Fixed Income 25% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.19 7.12
Infl. Adjusted (%) 8.61 4.64
DRAWDOWN
Deepest Drawdown Depth (%) -6.01 -2.07
Start to Recovery (months) 6* 2
Longest Drawdown Depth (%) -6.01 -1.15
Start to Recovery (months) 6* 3*
Longest Negative Period (months) 8 7
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.58 5.10
Sharpe Ratio 0.68 0.47
Sortino Ratio 0.91 0.59
Ulcer Index 2.51 0.94
Ratio: Return / Standard Deviation 1.17 1.40
Ratio: Return / Deepest Drawdown 1.86 3.43
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 20/80
Author JL Collins
ASSET ALLOCATION
Stocks 75% 20%
Fixed Income 25% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.22 2.30
Infl. Adjusted (%) 6.31 -2.22
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -16.57
Start to Recovery (months) 25 33
Longest Drawdown Depth (%) -22.24 -16.57
Start to Recovery (months) 25 33
Longest Negative Period (months) 31 45
RISK INDICATORS
Standard Deviation (%) 13.34 7.55
Sharpe Ratio 0.65 -0.04
Sortino Ratio 0.87 -0.06
Ulcer Index 8.03 7.33
Ratio: Return / Standard Deviation 0.84 0.30
Ratio: Return / Deepest Drawdown 0.50 0.14
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 20/80
Author JL Collins
ASSET ALLOCATION
Stocks 75% 20%
Fixed Income 25% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.60 3.72
Infl. Adjusted (%) 6.34 0.63
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -16.57
Start to Recovery (months) 25 33
Longest Drawdown Depth (%) -22.24 -16.57
Start to Recovery (months) 25 33
Longest Negative Period (months) 31 50
RISK INDICATORS
Standard Deviation (%) 12.44 6.11
Sharpe Ratio 0.63 0.32
Sortino Ratio 0.84 0.43
Ulcer Index 6.22 5.25
Ratio: Return / Standard Deviation 0.77 0.61
Ratio: Return / Deepest Drawdown 0.43 0.22
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 20/80
Author JL Collins
ASSET ALLOCATION
Stocks 75% 20%
Fixed Income 25% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.07 5.62
Infl. Adjusted (%) 6.40 3.02
DRAWDOWN
Deepest Drawdown Depth (%) -38.53 -16.57
Start to Recovery (months) 38 33
Longest Drawdown Depth (%) -30.50 -16.57
Start to Recovery (months) 52 33
Longest Negative Period (months) 122 50
RISK INDICATORS
Standard Deviation (%) 11.83 4.92
Sharpe Ratio 0.57 0.68
Sortino Ratio 0.75 0.91
Ulcer Index 9.48 3.21
Ratio: Return / Standard Deviation 0.77 1.14
Ratio: Return / Deepest Drawdown 0.24 0.34
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 20/80
Author JL Collins
ASSET ALLOCATION
Stocks 75% 20%
Fixed Income 25% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.32 5.68
Infl. Adjusted (%) 6.06 3.49
DRAWDOWN
Deepest Drawdown Depth (%) -72.36 -18.94
Start to Recovery (months) 89 36
Longest Drawdown Depth (%) -72.36 -18.94
Start to Recovery (months) 89 36
Longest Negative Period (months) 163 61
RISK INDICATORS
Standard Deviation (%) 12.49 5.12
Sharpe Ratio 0.35 0.33
Sortino Ratio 0.48 0.47
Ulcer Index 12.07 2.55
Ratio: Return / Standard Deviation 0.67 1.11
Ratio: Return / Deepest Drawdown 0.11 0.30
Metrics calculated over the period 1 January 1871 - 31 May 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 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1871 - 31 May 2025 (~154 years)
30 Years
(1995/06 - 2025/05)

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Simple Path to Wealth Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-30.50 52 Sep 2000
Dec 2004
-22.24 25 Jan 2022
Jan 2024
-16.57 33 Jan 2022
Sep 2024
-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
-8.42 15 May 2008
Jul 2009
-6.60 12 Jun 2015
May 2016
-6.51 5 Apr 2000
Aug 2000
-6.01 6* Dec 2024
In progress
-4.80 5 Apr 2012
Aug 2012
-4.79 5 Jul 1999
Nov 1999
-4.59 2 May 2019
Jun 2019

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Simple Path to Wealth Stocks/Bonds 20/80
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-72.36 89 Sep 1929
Jan 1937
-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
-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
-20.33 31 Feb 1893
Aug 1895
-20.28 26 Oct 1902
Nov 1904
-18.94 36 Jun 1930
May 1933
-17.15 29 Nov 1919
Mar 1922
-16.97 53 Jul 1881
Nov 1885

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 - 31 May 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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Simple Path to Wealth Stocks/Bonds 20/80
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 0.90 -5.64 2.07 -1.15
2024
 18.20 -3.90 5.87 -2.83
2023
 20.89 -8.12 9.53 -5.62
2022
 -17.91 -22.24 -14.39 -16.57
2021
 18.79 -3.72 3.64 -1.82
2020
 17.70 -15.46 10.38 -3.92
2019
 25.21 -4.59 13.20 -0.07
2018
 -3.94 -10.58 -1.13 -2.67
2017
 16.80 0.00 7.10 -0.02
2016
 10.25 -3.99 4.58 -2.40
2015
 0.41 -6.60 0.52 -1.90
2014
 10.86 -1.99 7.16 -0.89
2013
 24.56 -2.57 5.01 -2.56
2012
 13.13 -4.80 5.82 -0.62
2011
 2.71 -12.27 6.53 -0.88
2010
 14.62 -9.46 8.44 -0.76
2009
 22.58 -13.96 8.69 -5.67
2008
 -26.02 -28.15 -1.91 -8.42
2007
 5.76 -3.89 6.61 -0.76
2006
 12.84 -2.48 6.55 -1.09
2005
 5.33 -3.14 3.18 -1.84
2004
 10.65 -2.89 5.95 -2.58
2003
 24.06 -2.85 9.33 -2.13
2002
 -13.29 -18.79 2.51 -2.13
2001
 -6.12 -16.19 4.55 -1.99
2000
 -5.08 -11.10 7.00 -2.23
1999
 17.67 -4.79 4.16 -2.17
1998
 19.59 -13.02 11.52 -2.15
1997
 25.61 -3.67 13.75 -1.70
1996
 16.62 -4.42 7.06 -1.44
1995
 31.38 -0.57 21.70 0.00
1994
 -0.79 -6.83 -2.16 -5.50
1993
 10.39 -1.89 9.87 -1.10
1992
 8.62 -1.93 7.53 -1.25
1991
 28.11 -3.49 18.68 -1.05
1990
 -2.40 -11.23 5.70 -3.09
1989
 24.50 -1.72 16.54 -0.87
1988
 14.83 -2.69 9.35 -2.17
1987
 2.34 -23.27 1.75 -6.14
1986
 14.71 -6.46 15.00 -3.14
1985
 29.02 -3.12 24.05 -1.20
1984
 5.39 -7.49 12.45 -5.25
1983
 18.30 -2.99 8.71 -2.55
1982
 23.16 -6.05 29.01 -2.01
1981
 -0.76 -10.31 6.70 -4.80
1980
 25.59 -10.43 8.94 -7.35
1979
 19.52 -6.87 9.13 -6.01
1978
 6.63 -9.36 2.61 -3.91
1977
 -2.26 -6.16 0.16 -3.03
1976
 23.29 -1.55 16.30 -1.12
1975
 30.20 -9.59 13.45 -3.39
1974
 -19.44 -25.55 -1.00 -7.35
1973
 -12.52 -13.38 -0.06 -4.25
1972
 13.90 -1.83 5.70 -0.85
1971
 15.59 -6.04 11.12 -6.85
1970
 7.90 -13.78 14.75 -7.32
1969
 -8.24 -9.08 -3.75 -6.02
1968
 10.76 -3.48 5.00 -3.25
1967
 20.41 -3.58 5.05 -2.41
1966
 -5.30 -11.58 2.23 -5.06
1965
 10.83 -3.46 3.42 -0.76
1964
 13.27 -1.00 6.40 -0.13
1963
 16.27 -2.14 5.54 -0.77
1962
 -5.79 -16.39 2.64 -4.17
1961
 20.54 -2.28 6.45 -1.47
1960
 3.95 -5.06 10.61 -1.16
1959
 9.16 -4.50 1.20 -2.43
1958
 32.90 -1.07 6.71 -1.94
1957
 -5.31 -9.67 4.87 -2.64
1956
 5.99 -5.92 0.46 -2.85
1955
 19.10 -2.31 4.53 -0.46
1954
 38.65 -2.55 12.38 -1.01
1953
 1.41 -5.97 3.04 -3.52
1952
 10.77 -2.90 4.52 -1.67
1951
 15.57 -4.75 4.19 -2.28
1950
 22.71 -4.16 5.97 -1.39
1949
 16.07 -3.13 7.50 -0.52
1948
 2.42 -8.23 2.55 -2.14
1947
 2.77 -4.75 0.41 -2.01
1946
 -4.52 -16.21 -0.68 -5.01
1945
 29.94 -2.98 11.74 -0.47
1944
 16.49 -1.16 6.06 -0.20
1943
 21.54 -6.35 7.56 -1.84
1942
 12.87 -9.29 4.38 -2.52
1941
 -7.01 -10.12 -0.23 -3.96
1940
 -4.30 -17.69 2.01 -6.24
1939
 2.53 -10.97 2.95 -2.25
1938
 22.38 -19.10 9.18 -5.26
1937
 -25.67 -29.12 -5.47 -7.37
1936
 26.37 -5.59 10.35 -1.34
1935
 35.70 -6.99 12.39 -0.51
1934
 3.55 -13.03 6.29 -2.22
1933
 43.64 -14.92 13.83 -4.78
1932
 -3.42 -32.87 8.09 -5.48
1931
 -33.61 -41.46 -10.48 -13.55
1930
 -19.33 -29.09 0.53 -4.69
1929
 -7.41 -26.56 1.14 -5.50
1928
 28.78 -3.26 6.99 -1.64
1927
 26.32 -3.33 10.90 -0.83
1926
 9.77 -6.71 6.06 -1.10
1925
 20.13 -4.94 7.69 -1.29
1924
 22.24 -2.46 11.71 -0.11
1923
 4.96 -9.69 4.04 -1.81
1922
 23.16 -3.41 10.22 -1.08
1921
 10.85 -6.53 12.53 -1.28
1920
 -10.45 -11.42 -2.63 -4.36
1919
 15.27 -5.90 5.70 -1.88
1918
 14.77 -2.74 7.31 -0.63
1917
 -14.41 -14.41 -5.08 -5.08
1916
 6.95 -2.62 4.53 -0.64
1915
 24.93 -1.68 11.23 -0.64
1914
 -2.47 -14.54 4.10 -2.03
1913
 -2.61 -5.89 2.14 -1.72
1912
 5.73 -3.09 2.68 -0.77
1911
 3.63 -7.33 3.97 -1.88
1910
 -1.54 -8.01 2.66 -0.84
1909
 12.43 -1.94 4.37 -0.57
1908
 32.43 -2.43 17.01 -0.21
1907
 -18.25 -21.02 -5.10 -5.87
1906
 0.63 -7.39 0.70 -2.35
1905
 16.09 -4.13 4.77 -1.63
1904
 25.55 -1.74 11.09 -0.64
1903
 -12.31 -18.68 -1.70 -4.31
1902
 6.41 -5.71 2.43 -3.06
1901
 15.01 -6.29 5.34 -2.36
1900
 16.53 -3.90 7.24 -1.40
1899
 2.63 -6.87 0.41 -2.47
1898
 23.09 -4.45 9.58 -5.44
1897
 16.69 -3.91 8.74 -0.88
1896
 3.42 -9.90 3.90 -5.00
1895
 3.72 -7.88 1.03 -5.16
1894
 4.21 -3.94 5.59 -0.91
1893
 -12.95 -20.33 0.02 -6.08
1892
 5.09 -1.78 2.91 -0.95
1891
 15.48 -3.34 8.10 -2.84
1890
 -4.34 -10.07 -0.25 -3.07
1889
 5.90 -1.85 3.40 -0.84
1888
 3.83 -2.73 5.05 -1.53
1887
 -0.16 -7.47 1.03 -2.94
1886
 9.13 -3.53 2.99 -1.38
1885
 23.82 -1.25 10.27 -0.77
1884
 -8.30 -11.13 0.67 -4.87
1883
 -3.07 -4.86 2.34 -1.36
1882
 3.46 -4.42 3.20 -1.50
1881
 1.01 -7.73 2.83 -3.42
1880
 21.20 -6.57 9.52 -1.43
1879
 37.70 -0.86 12.21 -0.58
1878
 13.81 -0.64 8.43 -0.12
1877
 0.08 -14.14 2.70 -2.64
1876
 -8.84 -12.52 2.91 -3.66
1875
 5.63 -2.54 6.26 -2.56
1874
 6.93 -4.14 11.91 -1.89
1873
 -0.84 -12.81 2.89 -7.49
1872
 8.79 -2.88 3.68 -3.22
1871
 12.38 -3.58 5.34 -1.82
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