US Stocks ESG Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings
Period: September 2005 - July 2025 (~20 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
All Data
(2005/09 - 2025/07)
Inflation Adjusted:
US Stocks ESG Portfolio
1.00$
Invested Capital
September 2005
6.63$
Final Capital
July 2025
9.96%
Yearly Return
16.91%
Std Deviation
-52.70%
Max Drawdown
45months
Recovery Period
1.00$
Invested Capital
September 2005
4.04$
Final Capital
July 2025
7.27%
Yearly Return
16.91%
Std Deviation
-54.03%
Max Drawdown
68months
Recovery Period
JL Collins Simple Path to Wealth Portfolio
1.00$
Invested Capital
September 2005
5.54$
Final Capital
July 2025
8.98%
Yearly Return
11.92%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
September 2005
3.38$
Final Capital
July 2025
6.31%
Yearly Return
11.92%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period

As of July 2025, over the analyzed timeframe, the US Stocks ESG Portfolio obtained a 9.96% compound annual return, with a 16.91% standard deviation. It suffered a maximum drawdown of -52.70% that required 45 months to be recovered.

As of July 2025, over the analyzed timeframe, the JL Collins Simple Path to Wealth Portfolio obtained a 8.98% compound annual return, with a 11.92% 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.

US Stocks ESG Portfolio
Weight
(%)		 Ticker Name
100.00
ESGV
Vanguard ESG U.S. Stock ETF
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 Jul 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
All Data
(2005/09 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks ESG
 1 $ 6.63 $ 563.08% 9.96%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 5.54 $ 454.32% 8.98%
Sep 2005 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
US Stocks ESG
 1 $ 4.04 $ 304.34% 7.27%
JL Collins Simple Path to Wealth
JL Collins 		1 $ 3.38 $ 238.02% 6.31%
Sep 2005 Jul 2025

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Return (%) as of Jul 31, 2025
YTD
(7M) 		1M 6M 1Y 5Y 10Y MAX
(~20Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks ESG
-- Market Benchmark 		7.27 2.10 4.26 15.83 14.62 10.98 9.96
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		6.92 1.66 4.39 12.62 11.11 10.24 8.98
Returns over 1 year are annualized.
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Portfolio Metrics as of Jul 31, 2025

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

METRIC COMPARISON
Period: 1 August 2024 - 31 July 2025 (1 year)
Period: 1 August 2020 - 31 July 2025 (5 years)
Period: 1 August 2015 - 31 July 2025 (10 years)
Period: 1 September 2005 - 31 July 2025 (~20 years)
1 Year
5 Years
10 Years
All (2005/09 - 2025/07)
Swipe left to see all data
US Stocks ESG Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 15.83 12.62
Infl. Adjusted (%) 12.93 9.80
DRAWDOWN
Deepest Drawdown Depth (%) -9.40 -6.01
Start to Recovery (months) 5 7
Longest Drawdown Depth (%) -9.40 -6.01
Start to Recovery (months) 5 7
Longest Negative Period (months) 8 8
RISK INDICATORS
Standard Deviation (%) 13.40 9.96
Sharpe Ratio 0.84 0.81
Sortino Ratio 1.14 1.10
Ulcer Index 3.84 2.51
Ratio: Return / Standard Deviation 1.18 1.27
Ratio: Return / Deepest Drawdown 1.68 2.10
Metrics calculated over the period 1 August 2024 - 31 July 2025
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US Stocks ESG Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 14.62 11.11
Infl. Adjusted (%) 9.71 6.35
DRAWDOWN
Deepest Drawdown Depth (%) -27.79 -22.24
Start to Recovery (months) 25 25
Longest Drawdown Depth (%) -27.79 -22.24
Start to Recovery (months) 25 25
Longest Negative Period (months) 30 31
RISK INDICATORS
Standard Deviation (%) 17.11 13.32
Sharpe Ratio 0.69 0.63
Sortino Ratio 0.93 0.84
Ulcer Index 10.46 8.03
Ratio: Return / Standard Deviation 0.85 0.83
Ratio: Return / Deepest Drawdown 0.53 0.50
Metrics calculated over the period 1 August 2020 - 31 July 2025
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US Stocks ESG Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.98 10.24
Infl. Adjusted (%) 7.69 6.98
DRAWDOWN
Deepest Drawdown Depth (%) -27.79 -22.24
Start to Recovery (months) 25 25
Longest Drawdown Depth (%) -27.79 -22.24
Start to Recovery (months) 25 25
Longest Negative Period (months) 37 31
RISK INDICATORS
Standard Deviation (%) 16.37 12.46
Sharpe Ratio 0.56 0.67
Sortino Ratio 0.75 0.89
Ulcer Index 8.45 6.22
Ratio: Return / Standard Deviation 0.67 0.82
Ratio: Return / Deepest Drawdown 0.39 0.46
Metrics calculated over the period 1 August 2015 - 31 July 2025
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US Stocks ESG Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.96 8.98
Infl. Adjusted (%) 7.27 6.31
DRAWDOWN
Deepest Drawdown Depth (%) -52.70 -38.53
Start to Recovery (months) 45 38
Longest Drawdown Depth (%) -52.70 -38.53
Start to Recovery (months) 45 38
Longest Negative Period (months) 65 53
RISK INDICATORS
Standard Deviation (%) 16.91 11.92
Sharpe Ratio 0.50 0.62
Sortino Ratio 0.66 0.82
Ulcer Index 12.98 8.56
Ratio: Return / Standard Deviation 0.59 0.75
Ratio: Return / Deepest Drawdown 0.19 0.23
Metrics calculated over the period 1 September 2005 - 31 July 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 August 2015 - 31 July 2025 (10 years)
Period: 1 September 2005 - 31 July 2025 (~20 years)

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US Stocks ESG Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-52.70 45 Jun 2007
Feb 2011
-38.53 38 Nov 2007
Dec 2010
-27.79 25 Jan 2022
Jan 2024
-23.59 21 May 2011
Jan 2013
-22.24 25 Jan 2022
Jan 2024
-19.14 6 Feb 2020
Jul 2020
-17.80 18 Feb 2018
Jul 2019
-15.46 6 Feb 2020
Jul 2020
-13.26 17 Jul 2015
Nov 2016
-12.27 10 May 2011
Feb 2012
-10.58 7 Oct 2018
Apr 2019
-9.40 5 Feb 2025
Jun 2025
-6.60 12 Jun 2015
May 2016
-6.01 7 Dec 2024
Jun 2025
-5.81 3 Sep 2020
Nov 2020

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 September 2005 - 31 July 2025 (~20 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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US Stocks ESG Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 7.27 -9.40 6.92 -5.64
2024
 24.69 -4.89 18.20 -3.90
2023
 30.80 -9.37 20.89 -8.12
2022
 -24.04 -27.79 -17.91 -22.24
2021
 26.20 -5.21 18.79 -3.72
2020
 25.67 -19.14 17.70 -15.46
2019
 33.37 -6.25 25.21 -4.59
2018
 -15.69 -17.80 -3.94 -10.58
2017
 13.03 -1.52 16.80 0.00
2016
 11.65 -6.66 10.25 -3.99
2015
 2.12 -10.78 0.41 -6.60
2014
 9.13 -4.63 10.86 -1.99
2013
 38.98 -3.17 24.56 -2.57
2012
 17.37 -9.30 13.13 -4.80
2011
 -5.78 -23.59 2.71 -12.27
2010
 19.88 -12.90 14.62 -9.46
2009
 39.10 -15.76 22.58 -13.96
2008
 -39.83 -43.27 -26.02 -28.15
2007
 5.81 -6.69 5.76 -3.89
2006
 18.46 -2.59 12.84 -2.48
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