A Lazy Portfolio is a collection of investments that requires very little maintenance.

It’s the typical passive investing strategy, for long-term investors, with time horizons of more than 10 years.

Choose your investment style (Classic or Alternative?), pick your Lazy Portfolios and implement them with ETFs.

Choose a Lazy Portfolio Type:
Last Update - 30 September 2021
A Classic Lazy Portfolio contains the main traditional asset classes, with the aim to achieve above-average returns while taking a below-average risk.

Interested in short term returns? Click here.

Do you want to focus on Dividends? Click here.

Risk Filter:
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y 25Y
Technology
1 100 0 0 +29.53 +25.65 +22.37 +13.30
US Stocks
1 100 0 0 +32.16 +16.88 +16.60 +9.79
Warren Buffett
2 90 10 0 +27.02 +15.75 +15.20 +9.32
Aggressive Global Income
4 80 20 0 +25.20 +7.40 +8.87 +9.18
Stocks/Bonds 80/20
2 80 20 0 +25.11 +14.13 +13.89 +9.12
Yale Endowment
David Swensen
6 70 30 0 +19.39 +9.68 +10.24 +8.94
Simple Path to Wealth
JL Collins
2 75 25 0 +23.38 +13.44 +13.21 +8.92
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +20.99 +9.29 +10.51 +8.85
Mid-Fifties
Burton Malkiel
8 80 20 0 +21.57 +10.58 +10.72 +8.77
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +34.23 +10.46 +11.57 +8.74
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +19.24 +9.66 +10.02 +8.64
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +22.84 +11.12 +11.03 +8.63
Mid-Twenties
Burton Malkiel
8 87 13 0 +23.51 +11.22 +11.09 +8.54
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +23.54 +12.88 +12.10 +8.46
Lazy Portfolio
David Swensen
6 70 30 0 +20.75 +9.51 +9.75 +8.43
Robo Advisor 100
Betterment
6 100 0 0 +30.37 +12.27 +12.31 +8.39
Robo Advisor 90
Betterment
11 90.1 9.9 0 +27.30 +11.50 +11.57 +8.37
Couch Potato
Scott Burns
2 50 50 0 +18.01 +10.57 +9.87 +8.32
Core Four
Rick Ferri
4 80 20 0 +23.25 +11.58 +11.52 +8.28
Stocks/Bonds 60/40
2 60 40 0 +18.27 +11.35 +11.16 +8.27
Second Grader's Starter
Paul Farrell
3 90 10 0 +26.08 +13.19 +12.72 +8.27
Robo Advisor 80
Betterment
10 80 20 0 +23.92 +10.56 +10.69 +8.25
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +22.21 +10.15 +10.17 +8.23
Golden Butterfly
5 40 40 20 +12.49 +8.04 +7.79 +8.16
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +19.16 +11.34 +10.70 +8.08
Robust
Alpha Architect
8 70 20 10 +24.39 +9.70 +9.41 +8.03
Four Funds
Bogleheads
4 80 20 0 +23.20 +11.94 +11.38 +8.02
Coffee House
Bill Schultheis
7 60 40 0 +21.72 +8.53 +9.42 +8.01
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +21.43 +9.33 +9.18 +7.94
All Weather Portfolio
Ray Dalio
5 30 55 15 +7.17 +7.52 +7.00 +7.92
Three Funds
Bogleheads
3 80 20 0 +22.57 +11.82 +11.36 +7.91
Pinwheel
8 65 25 10 +19.21 +8.26 +8.23 +7.83
Robo Advisor 50
Betterment
10 49.9 50.1 0 +14.35 +7.67 +8.01 +7.70
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +16.76 +9.60 +8.92 +7.67
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +26.19 +10.55 +10.50 +7.67
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +15.57 +8.13 +8.15 +7.66
Margaritaville
Scott Burns
3 67 33 0 +19.89 +10.21 +9.39 +7.61
Simple Money Portfolio
Tim Maurer
7 60 40 0 +19.72 +7.60 +8.13 +7.60
Edge Select Moderate
Merrill Lynch
12 53 47 0 +14.85 +9.49 +9.08 +7.57
Five Asset
Roger Gibson
6 60 20 20 +28.11 +8.95 +7.87 +7.56
Coward's Portfolio
Bill Bernstein
10 60 40 0 +20.67 +8.63 +9.03 +7.51
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +19.14 +7.25 +7.73 +7.51
GAA Global Asset Allocation
Meb Faber
10 40.5 49.5 10 +11.30 +7.57 +7.29 +7.47
Dynamic 60/40 Income
5 60 40 0 +16.87 +7.38 +8.59 +7.42
Stocks/Bonds 40/60
2 40 60 0 +11.63 +8.56 +8.42 +7.27
Dynamic 40/60 Income
5 40 60 0 +10.93 +6.46 +7.26 +7.22
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +21.42 +7.66 +8.21 +7.21
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +12.60 +6.56 +6.31 +7.16
High Yield Bonds Income
4 0 100 0 +5.86 +4.97 +6.03 +7.14
Ideal Index
Frank Armstrong
7 70 30 0 +22.70 +8.35 +8.65 +7.07
Paul Boyer Permanent Portfolio
Paul Boyer
5 25 50 25 +2.71 +5.51 +4.47 +7.04
Ivy Portfolio
Mebane Faber
5 60 20 20 +28.25 +8.25 +7.17 +7.00
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +7.17 +6.96 +6.37 +6.94
Permanent Portfolio
Harry Browne
4 25 50 25 +2.74 +6.72 +5.73 +6.93
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +10.18 +7.62 +7.47 +6.93
Lifepath Fund
iShares
6 40.4 59.6 0 +11.47 +7.61 +7.33 +6.89
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +24.07 +7.37 +6.20 +6.79
All Country World 60/40
4 60 40 0 +16.36 +9.25 +8.94 +6.68
European Stocks
1 100 0 0 +29.41 +9.50 +8.83 +6.67
All Country World 80/20
4 80 20 0 +22.34 +11.29 +10.64 +6.66
Larry Portfolio
Larry Swedroe
4 30 70 0 +9.48 +4.73 +4.98 +6.64
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +18.62 +9.19 +8.71 +6.54
All Country World 40/60
4 40 60 0 +10.57 +7.16 +7.21 +6.54
All Country World Stocks
1 100 0 0 +28.51 +13.30 +12.32 +6.45
All Country World 20/80
4 20 80 0 +4.97 +5.04 +5.45 +6.24
Stocks/Bonds 20/80
2 20 80 0 +5.19 +5.73 +5.66 +6.14
Emerging Markets Stocks
1 100 0 0 +15.96 +8.29 +5.81 +6.12
Gold
1 0 0 100 -7.28 +5.50 +0.38 +6.02
Developed World ex-US 60/40
2 60 40 0 +14.78 +6.80 +7.04 +5.89
Developed World ex-US 40/60
2 40 60 0 +9.25 +5.49 +6.12 +5.86
All Country World Bonds
3 0 100 0 -0.45 +2.88 +3.66 +5.81
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +8.37 +5.35 +4.60 +5.77
Developed World ex-US 80/20
2 80 20 0 +20.57 +8.04 +7.90 +5.75
10-year Treasury
1 0 100 0 -4.68 +2.29 +2.74 +5.72
Developed World ex-US 20/80
2 20 80 0 +3.97 +4.10 +5.13 +5.67
Developed World ex-US Stocks
1 100 0 0 +26.63 +9.20 +8.70 +5.42
Edge Select Conservative
Merrill Lynch
12 21 79 0 +5.90 +4.86 +4.94 +5.40
Robo Advisor 20
Betterment
12 19.9 80.1 0 +5.53 +4.18 +4.10 +5.35
Total Bond Developed World ex-US
1 0 100 0 -1.08 +2.63 +4.08 +5.33
Total Bond US
1 0 100 0 -1.04 +2.88 +2.88 +4.86
Conservative Income
Charles Schwab
6 5 95 0 +2.52 +3.07 +3.06 +4.78
Robo Advisor 10
Betterment
12 9.9 90.1 0 +2.66 +2.91 +2.63 +4.31
Robo Advisor 0
Betterment
2 0 100 0 -0.08 +1.63 +1.17 +3.24
Short Term Treasury
1 0 100 0 -0.10 +1.51 +1.03 +3.12
Returns and KPIs are calculated on the hypothesis of:
  • a yearly rebalancing of the portfolios (at the beginning of the year)
  • the reinvestment of dividends
Returns refer to investiments in US Dollars.
Return / Risk Charts:
Share this page