Popularized by JL Collins, is a straightforward, low-maintenance investment strategy designed for long-term wealth building. The core of this portfolio consists of just two asset classes: 75% allocated to U.S. stocks and 25% allocated to U.S. bonds. This structure aims for a diversified, cost-efficient portfolio that balances growth potential and risk management.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087 | ETF | 75.0% | 0.07% |
EUNX.XETRA iShares US Aggregate Bond UCITS ETF (Dist) • IE00B44CGS96 | ETF | 25.0% | 0.25% |
| Total | 100.0% | 0.12% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.6% | +0.2% | -2.7% | +6.6% | +5.1% | +1.3% | -1.5% | +1.6% | +2.2% | +1.4% | - | - | +14.0% |
| 2025 | +3.2% | -2.3% | -7.6% | -5.1% | +4.8% | +0.5% | +5.3% | -1.1% | +2.3% | +4.2% | -0.4% | -0.6% | +2.4% |
| 2024 | +3.5% | +3.1% | +3.0% | -2.0% | +0.9% | +5.9% | -0.2% | -0.6% | +1.4% | +2.1% | +7.5% | -0.8% | +26.0% |
| 2023 | +3.1% | +0.7% | +0.3% | -0.1% | +3.6% | +2.5% | +1.5% | +0.6% | -1.6% | -2.7% | +4.7% | +3.5% | +17.1% |
| 2022 | -4.7% | -1.8% | +4.2% | -1.9% | -3.3% | -4.2% | +9.7% | -1.4% | -4.4% | +2.9% | -1.9% | -5.5% | -12.6% |
| 2021 | +0.9% | +2.1% | +5.9% | +1.5% | -1.2% | +5.3% | +2.0% | +3.0% | -1.4% | +4.6% | +2.5% | +3.2% | +32.2% |
| 2020 | +1.5% | -6.2% | -6.9% | +8.5% | +1.1% | +0.7% | -0.7% | +4.7% | -0.9% | -1.8% | +5.4% | +0.2% | +4.5% |
| 2019 | +6.2% | +3.4% | +3.0% | +3.1% | -3.4% | +2.9% | +4.5% | -0.4% | +2.3% | -0.8% | +4.4% | +0.8% | +28.8% |
| 2018 | -0.2% | -0.6% | -3.5% | +3.0% | +5.0% | +0.7% | +2.0% | +3.3% | +0.4% | -2.9% | +0.8% | -7.1% | +0.3% |
| 2017 | -1.9% | +5.4% | -0.6% | -1.2% | -2.0% | -0.8% | -1.7% | -0.6% | +2.0% | +3.4% | -0.1% | +1.0% | +2.7% |
| 2016 | -4.3% | +1.4% | -0.4% | -0.7% | +4.6% | +0.4% | +2.8% | +0.1% | -0.6% | +1.0% | +6.1% | +2.1% | +12.7% |
| 2015 | +5.1% | +4.5% | +3.5% | -3.4% | +2.4% | -3.2% | +2.9% | -6.1% | -1.8% | +8.2% | +4.2% | -3.6% | +12.2% |
| 2014 | +0.0% | +1.3% | +0.4% | +0.0% | +3.9% | +1.3% | +1.6% | +4.6% | +3.4% | +2.1% | +3.3% | +2.9% | +27.7% |
| 2013 | +1.6% | +5.2% | +4.6% | -1.3% | +4.4% | -2.7% | +1.9% | -2.3% | +0.2% | +3.5% | +2.1% | +0.2% | +18.5% |
| 2012 | -2.2% | +1.4% | +2.5% | +0.1% | +2.2% | +0.5% | +5.0% | -0.8% | -0.5% | -2.6% | +0.2% | -1.5% | +4.1% |
Simple Path to Wealth returned +12.23% a year over the 15 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.
Total Dividends Received
€2,240.93
25 payments
Dividend Yield
0.57%
(annualized)
Avg Per Payment
€89.64
per event
All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.
| Year | Dividends |
|---|---|
| 2026 | €233.12 |
| 2025 | €416.68 |
| 2024 | €342.07 |
| 2023 | €246.70 |
| 2022 | €181.01 |
| 2021 | €118.43 |
| 2020 | €141.57 |
| 2019 | €148.67 |
| 2018 | €127.07 |
| 2017 | €96.08 |
| 2016 | €72.85 |
| 2015 | €68.03 |
| 2014 | €48.66 |
| Total | €2,240.93 |