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

Simulation Settings
Period: January 1871 - May 2025 (~154 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1871)
Inflation Adjusted:
JL Collins Simple Path to Wealth Portfolio
1.00$
Initial 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$
Initial Capital
June 1995
6.43$
Final Capital
May 2025
6.40%
Yearly Return
11.83%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
January 1871
227.7K$
Final Capital
May 2025
8.32%
Yearly Return
12.49%
Std Deviation
-72.36%
Max Drawdown
89months
Recovery Period
1.00$
Initial Capital
January 1871
8.9K$
Final Capital
May 2025
6.06%
Yearly Return
12.49%
Std Deviation
-65.10%
Max Drawdown
77months
Recovery Period
Stocks/Bonds 80/20 Portfolio
1.00$
Initial Capital
June 1995
14.55$
Final Capital
May 2025
9.34%
Yearly Return
12.58%
Std Deviation
-41.09%
Max Drawdown
39months
Recovery Period
1.00$
Initial Capital
June 1995
6.91$
Final Capital
May 2025
6.65%
Yearly Return
12.58%
Std Deviation
-42.07%
Max Drawdown
53months
Recovery Period
1.00$
Initial Capital
January 1871
298.4K$
Final Capital
May 2025
8.51%
Yearly Return
13.28%
Std Deviation
-75.27%
Max Drawdown
163months
Recovery Period
1.00$
Initial Capital
January 1871
11.6K$
Final Capital
May 2025
6.25%
Yearly Return
13.28%
Std Deviation
-68.77%
Max Drawdown
79months
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 80/20 Portfolio obtained a 9.34% compound annual return, with a 12.58% standard deviation. It suffered a maximum drawdown of -41.09% that required 39 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 80/20 Portfolio
Weight
(%)		 Ticker Name
80.00
VTI
Vanguard Total Stock Market
20.00
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
Period: 1 January 1871 - 31 May 2025 (~154 years)
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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 80/20
-- Market Benchmark 		0.80 4.77 -2.04 11.52 12.03 10.12 9.34 8.51
Return over 1 year are annualized.
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Capital Growth as of May 31, 2025

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since June 1995, now would be worth 13.54$, with a total return of 1254.26% (9.07% annualized).

Stocks/Bonds 80/20 Portfolio: an investment of 1$, since June 1995, now would be worth 14.55$, with a total return of 1355.10% (9.34% annualized).


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JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since January 1871, now would be worth 227748.72$, with a total return of 22774771.93% (8.32% annualized).

Stocks/Bonds 80/20 Portfolio: an investment of 1$, since January 1871, now would be worth 298359.84$, with a total return of 29835884.32% (8.51% 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)
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Simple Path to Wealth Stocks/Bonds 80/20
Author JL Collins
ASSET ALLOCATION
Stocks 75% 80%
Fixed Income 25% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.19 11.52
Infl. Adjusted Return (%) 8.70 9.03
DRAWDOWN
Deepest Drawdown Depth (%) -6.01 -6.49
Start to Recovery (months) 6* 6*
Longest Drawdown Depth (%) -6.01 -6.49
Start to Recovery (months) 6* 6*
Longest Negative Period (months) 8 8
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.58 10.09
Sharpe Ratio 0.68 0.68
Sortino Ratio 0.91 0.91
Ulcer Index 2.51 2.69
Ratio: Return / Standard Deviation 1.17 1.14
Ratio: Return / Deepest Drawdown 1.86 1.77
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 80/20
Author JL Collins
ASSET ALLOCATION
Stocks 75% 80%
Fixed Income 25% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.22 12.03
Infl. Adjusted Return (%) 6.33 7.10
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.75
Start to Recovery (months) 25 25
Longest Drawdown Depth (%) -22.24 -22.75
Start to Recovery (months) 25 25
Longest Negative Period (months) 31 30
RISK INDICATORS
Standard Deviation (%) 13.34 13.94
Sharpe Ratio 0.65 0.68
Sortino Ratio 0.87 0.91
Ulcer Index 8.03 8.14
Ratio: Return / Standard Deviation 0.84 0.86
Ratio: Return / Deepest Drawdown 0.50 0.53
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 80/20
Author JL Collins
ASSET ALLOCATION
Stocks 75% 80%
Fixed Income 25% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.60 10.12
Infl. Adjusted Return (%) 6.34 6.84
DRAWDOWN
Deepest Drawdown Depth (%) -22.24 -22.75
Start to Recovery (months) 25 25
Longest Drawdown Depth (%) -22.24 -22.75
Start to Recovery (months) 25 25
Longest Negative Period (months) 31 30
RISK INDICATORS
Standard Deviation (%) 12.44 13.11
Sharpe Ratio 0.63 0.63
Sortino Ratio 0.84 0.85
Ulcer Index 6.22 6.38
Ratio: Return / Standard Deviation 0.77 0.77
Ratio: Return / Deepest Drawdown 0.43 0.44
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 80/20
Author JL Collins
ASSET ALLOCATION
Stocks 75% 80%
Fixed Income 25% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.07 9.34
Infl. Adjusted Return (%) 6.40 6.65
DRAWDOWN
Deepest Drawdown Depth (%) -38.53 -41.09
Start to Recovery (months) 38 39
Longest Drawdown Depth (%) -30.50 -33.33
Start to Recovery (months) 52 59
Longest Negative Period (months) 122 122
RISK INDICATORS
Standard Deviation (%) 11.83 12.58
Sharpe Ratio 0.57 0.56
Sortino Ratio 0.75 0.73
Ulcer Index 9.48 10.40
Ratio: Return / Standard Deviation 0.77 0.74
Ratio: Return / Deepest Drawdown 0.24 0.23
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Simple Path to Wealth Stocks/Bonds 80/20
Author JL Collins
ASSET ALLOCATION
Stocks 75% 80%
Fixed Income 25% 20%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.32 8.51
Infl. Adjusted Return (%) 6.06 6.25
DRAWDOWN
Deepest Drawdown Depth (%) -72.36 -75.27
Start to Recovery (months) 89 163
Longest Drawdown Depth (%) -72.36 -75.27
Start to Recovery (months) 89 163
Longest Negative Period (months) 163 166
RISK INDICATORS
Standard Deviation (%) 12.49 13.28
Sharpe Ratio 0.35 0.34
Sortino Ratio 0.48 0.47
Ulcer Index 12.07 13.05
Ratio: Return / Standard Deviation 0.67 0.64
Ratio: Return / Deepest Drawdown 0.11 0.11
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)

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Simple Path to Wealth Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-41.09 39 Nov 2007
Jan 2011
-38.53 38 Nov 2007
Dec 2010
-33.33 59 Sep 2000
Jul 2005
-30.50 52 Sep 2000
Dec 2004
-22.75 25 Jan 2022
Jan 2024
-22.24 25 Jan 2022
Jan 2024
-16.53 6 Feb 2020
Jul 2020
-15.46 6 Feb 2020
Jul 2020
-13.95 5 Jul 1998
Nov 1998
-13.35 10 May 2011
Feb 2012
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-11.32 7 Oct 2018
Apr 2019
-10.58 7 Oct 2018
Apr 2019
-7.05 12 Jun 2015
May 2016

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Simple Path to Wealth Stocks/Bonds 80/20
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-75.27 163 Sep 1929
Mar 1943
-72.36 89 Sep 1929
Jan 1937
-41.09 39 Nov 2007
Jan 2011
-39.03 73 Mar 1937
Mar 1943
-38.53 38 Nov 2007
Dec 2010
-36.88 39 Jan 1973
Mar 1976
-34.54 37 Jan 1973
Jan 1976
-33.33 59 Sep 2000
Jul 2005
-30.50 52 Sep 2000
Dec 2004
-26.75 34 Apr 1876
Jan 1879
-24.84 34 Apr 1876
Jan 1879
-24.55 20 Sep 1987
Apr 1989
-24.50 28 Dec 1968
Mar 1971
-24.11 26 Oct 1906
Nov 1908
-23.27 20 Sep 1987
Apr 1989

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 80/20
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 0.90 -5.64 0.80 -6.18
2024
 18.20 -3.90 19.32 -3.99
2023
 20.89 -8.12 21.92 -8.32
2022
 -17.91 -22.24 -18.23 -22.75
2021
 18.79 -3.72 20.16 -3.88
2020
 17.70 -15.46 18.36 -16.53
2019
 25.21 -4.59 26.30 -4.97
2018
 -3.94 -10.58 -4.19 -11.32
2017
 16.80 0.00 17.68 0.00
2016
 10.25 -3.99 10.77 -4.34
2015
 0.41 -6.60 0.40 -7.05
2014
 10.86 -1.99 11.20 -2.23
2013
 24.56 -2.57 26.34 -2.66
2012
 13.13 -4.80 13.79 -5.21
2011
 2.71 -12.27 2.36 -13.35
2010
 14.62 -9.46 15.18 -10.23
2009
 22.58 -13.96 23.84 -14.71
2008
 -26.02 -28.15 -28.21 -30.13
2007
 5.76 -3.89 5.68 -4.17
2006
 12.84 -2.48 13.41 -2.63
2005
 5.33 -3.14 5.53 -3.41
2004
 10.65 -2.89 11.08 -2.95
2003
 24.06 -2.85 25.40 -3.13
2002
 -13.29 -18.79 -14.73 -20.47
2001
 -6.12 -16.19 -7.09 -17.69
2000
 -5.08 -11.10 -6.18 -12.05
1999
 17.67 -4.79 18.90 -5.12
1998
 19.59 -13.02 20.33 -13.95
1997
 25.61 -3.67 26.68 -3.85
1996
 16.62 -4.42 17.49 -4.78
1995
 31.38 -0.57 32.26 -0.70
1994
 -0.79 -6.83 -0.67 -6.95
1993
 10.39 -1.89 10.44 -2.06
1992
 8.62 -1.93 8.71 -2.02
1991
 28.11 -3.49 28.96 -3.69
1990
 -2.40 -11.23 -3.13 -12.23
1989
 24.50 -1.72 25.22 -2.00
1988
 14.83 -2.69 15.32 -2.84
1987
 2.34 -23.27 2.40 -24.55
1986
 14.71 -6.46 14.68 -6.76
1985
 29.02 -3.12 29.47 -3.45
1984
 5.39 -7.49 4.75 -7.80
1983
 18.30 -2.99 19.17 -3.09
1982
 23.16 -6.05 22.62 -7.08
1981
 -0.76 -10.31 -1.44 -10.81
1980
 25.59 -10.43 27.10 -10.71
1979
 19.52 -6.87 20.47 -6.94
1978
 6.63 -9.36 6.99 -9.83
1977
 -2.26 -6.16 -2.48 -6.59
1976
 23.29 -1.55 23.93 -1.62
1975
 30.20 -9.59 31.73 -10.05
1974
 -19.44 -25.55 -21.11 -27.27
1973
 -12.52 -13.38 -13.65 -14.55
1972
 13.90 -1.83 14.64 -1.96
1971
 15.59 -6.04 16.00 -6.14
1970
 7.90 -13.78 7.28 -14.57
1969
 -8.24 -9.08 -8.65 -9.37
1968
 10.76 -3.48 11.29 -4.08
1967
 20.41 -3.58 21.80 -3.81
1966
 -5.30 -11.58 -5.99 -12.18
1965
 10.83 -3.46 11.50 -3.73
1964
 13.27 -1.00 13.90 -1.08
1963
 16.27 -2.14 17.24 -2.26
1962
 -5.79 -16.39 -6.55 -17.65
1961
 20.54 -2.28 21.82 -2.35
1960
 3.95 -5.07 3.34 -5.42
1959
 9.16 -4.50 9.88 -4.67
1958
 32.90 -1.07 35.29 -1.18
1957
 -5.31 -9.67 -6.23 -10.37
1956
 5.99 -5.92 6.50 -6.18
1955
 19.10 -2.31 20.42 -2.50
1954
 38.65 -2.55 41.03 -2.67
1953
 1.41 -5.97 1.26 -6.31
1952
 10.77 -2.90 11.34 -3.17
1951
 15.57 -4.75 16.61 -5.01
1950
 22.71 -4.16 24.24 -4.40
1949
 16.07 -3.13 16.85 -3.37
1948
 2.42 -8.23 2.41 -8.79
1947
 2.77 -4.75 2.98 -5.12
1946
 -4.52 -16.21 -4.87 -17.16
1945
 29.94 -2.98 31.60 -3.21
1944
 16.49 -1.16 17.44 -1.24
1943
 21.54 -6.35 22.81 -6.71
1942
 12.87 -9.29 13.64 -9.90
1941
 -7.01 -10.12 -7.63 -10.69
1940
 -4.30 -17.69 -4.87 -18.76
1939
 2.53 -10.97 2.49 -11.80
1938
 22.38 -19.10 23.58 -20.31
1937
 -25.67 -29.12 -27.51 -31.04
1936
 26.37 -5.59 27.82 -5.96
1935
 35.70 -6.99 37.81 -7.62
1934
 3.55 -13.03 3.30 -14.20
1933
 43.64 -14.92 46.35 -15.62
1932
 -3.42 -32.87 -4.47 -35.31
1931
 -33.61 -41.46 -35.71 -43.75
1930
 -19.33 -29.09 -21.13 -31.14
1929
 -7.41 -26.56 -8.19 -28.19
1928
 28.78 -3.26 30.76 -3.44
1927
 26.32 -3.33 27.72 -3.53
1926
 9.77 -6.71 10.11 -7.22
1925
 20.13 -4.94 21.26 -5.26
1924
 22.24 -2.46 23.20 -2.70
1923
 4.96 -9.69 5.04 -10.37
1922
 23.16 -3.41 24.33 -3.61
1921
 10.85 -6.53 10.70 -7.08
1920
 -10.45 -11.42 -11.16 -12.22
1919
 15.27 -5.90 16.14 -6.23
1918
 14.77 -2.74 15.45 -2.95
1917
 -14.41 -14.41 -15.26 -15.26
1916
 6.95 -2.62 7.17 -2.83
1915
 24.93 -1.68 26.18 -1.80
1914
 -2.47 -14.54 -3.07 -15.69
1913
 -2.61 -5.89 -3.04 -6.45
1912
 5.73 -3.09 6.01 -3.29
1911
 3.63 -7.33 3.60 -7.84
1910
 -1.54 -8.01 -1.92 -8.66
1909
 12.43 -1.94 13.16 -2.11
1908
 32.43 -2.43 33.83 -2.66
1907
 -18.25 -21.02 -19.45 -22.50
1906
 0.63 -7.39 0.63 -7.84
1905
 16.09 -4.13 17.12 -4.36
1904
 25.55 -1.74 26.86 -1.84
1903
 -12.31 -18.68 -13.28 -20.02
1902
 6.41 -5.71 6.77 -6.04
1901
 15.01 -6.29 15.88 -6.66
1900
 16.53 -3.90 17.38 -4.20
1899
 2.63 -6.87 2.83 -7.28
1898
 23.09 -4.45 24.31 -4.46
1897
 16.69 -3.91 17.42 -4.24
1896
 3.42 -9.90 3.38 -10.33
1895
 3.72 -7.88 3.97 -8.19
1894
 4.21 -3.94 4.08 -4.26
1893
 -12.95 -20.33 -14.13 -21.64
1892
 5.09 -1.78 5.29 -1.86
1891
 15.48 -3.34 16.15 -3.45
1890
 -4.34 -10.07 -4.72 -10.81
1889
 5.90 -1.85 6.12 -1.97
1888
 3.83 -2.73 3.72 -2.84
1887
 -0.16 -7.47 -0.27 -7.87
1886
 9.13 -3.53 9.69 -3.72
1885
 23.82 -1.25 25.05 -1.30
1884
 -8.30 -11.13 -9.11 -11.70
1883
 -3.07 -4.86 -3.56 -5.29
1882
 3.46 -4.42 3.48 -4.68
1881
 1.01 -7.73 0.85 -8.18
1880
 21.20 -6.57 22.26 -7.02
1879
 37.70 -0.86 40.02 -0.88
1878
 13.81 -0.64 14.30 -0.73
1877
 0.08 -14.14 -0.16 -15.24
1876
 -8.84 -12.52 -9.91 -13.58
1875
 5.63 -2.54 5.57 -2.81
1874
 6.93 -4.14 6.48 -4.60
1873
 -0.84 -12.81 -1.18 -13.40
1872
 8.79 -2.88 9.26 -2.91
1871
 12.38 -3.58 13.02 -3.74
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