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.

A Classic Lazy Portfolio contains the main traditional asset classes, with the aim to achieve above-average returns while taking a below-average risk.

A Modern/Alternative Lazy Portfolio can use particular assets/strategies, with the aim of obtaining an extra return.

Choose a Lazy Portfolio Type:
Last Update - 31 December 2021
We have 92 Classic Portfolios in our database
Risk Filter:
Cells with red background indicate returns lower than the US Inflation recorded in the same period. Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 5Y: 2.92% , 10Y: 2.12% , 25Y: 2.29%
Portfolio returns are updated to 31 December 2021. Click here for short term returns.
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% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm 1Y 5Y 10Y 25Y
Technology
1 100 0 0 27.42 28.34 22.88 13.30
US Stocks
1 100 0 0 25.67 17.96 16.29 9.88
Warren Buffett Portfolio
Warren Buffett
2 90 10 0 24.59 17.06 15.11 9.38
Aggressive Global Income
4 80 20 0 17.07 7.70 8.37 9.25
Stocks/Bonds 80/20
2 80 20 0 20.16 15.16 13.67 9.17
Simple Path to Wealth
JL Collins
2 75 25 0 18.79 14.46 13.01 8.96
Yale Endowment
David Swensen
6 70 30 0 17.53 11.74 10.17 8.94
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 21.44 11.24 10.45 8.80
Mid-Fifties
Burton Malkiel
8 80 20 0 15.75 12.13 10.44 8.77
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 19.37 11.00 11.09 8.74
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 15.84 12.56 10.72 8.65
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 15.40 11.27 9.81 8.63
Mid-Twenties
Burton Malkiel
8 87 13 0 15.90 12.62 10.76 8.55
Edge Select Aggressive
Merrill Lynch
12 84 16 0 15.74 13.96 11.78 8.50
Robo Advisor 100
Betterment
6 100 0 0 18.02 13.03 11.83 8.42
Lazy Portfolio
David Swensen
6 70 30 0 17.34 11.08 9.58 8.41
Robo Advisor 90
Betterment
11 90.1 9.9 0 16.04 12.27 11.12 8.38
Second Grader's Starter
Paul Farrell
3 90 10 0 17.70 14.19 12.42 8.34
Couch Potato
Scott Burns
2 50 50 0 15.67 11.67 9.77 8.33
Core Four
Rick Ferri
4 80 20 0 17.18 12.81 11.30 8.31
Stocks/Bonds 60/40
2 60 40 0 14.66 12.32 11.01 8.28
Robo Advisor 80
Betterment
10 80 20 0 13.94 11.33 10.28 8.24
Family Taxable Portfolio
Ted Aronson
11 70 30 0 11.93 10.91 9.76 8.24
Golden Butterfly
5 40 40 20 9.35 9.38 7.75 8.17
Jane Bryant Quinn's Portfolio
Jane Bryant Quinn
5 70 30 0 16.85 11.79 10.43 8.17
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 12.88 12.37 10.43 8.09
Four Funds
Bogleheads
4 80 20 0 15.70 12.95 11.12 8.07
Marc Faber Portfolio
Marc Faber
6 50 25 25 12.98 10.09 7.35 8.07
Three Funds
Bogleheads
3 80 20 0 14.95 12.79 11.10 7.96
Coffee House
Bill Schultheis
7 60 40 0 15.24 9.17 9.11 7.96
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 11.58 10.17 8.78 7.92
Robust
Alpha Architect
8 70 20 10 15.71 10.36 9.08 7.91
Vanguard LifeStrategy Growth Fund
Vanguard
4 80 20 0 14.57 12.61 10.99 7.90
All Weather Portfolio
Ray Dalio
5 30 55 15 8.08 9.60 7.05 7.89
Pinwheel
8 65 25 10 13.53 9.56 8.05 7.81
No Brainer Portfolio
Bill Bernstein
4 75 25 0 15.39 10.81 10.10 7.69
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 12.36 10.64 8.77 7.68
Margaritaville
Scott Burns
3 67 33 0 13.33 11.23 9.18 7.64
Robo Advisor 50
Betterment
10 49.9 50.1 0 7.95 8.44 7.69 7.63
Sandwich Portfolio
Bob Clyatt
8 55 45 0 9.88 8.91 7.93 7.62
Edge Select Moderate
Merrill Lynch
12 53 47 0 9.66 10.38 8.83 7.55
Simple Money Portfolio
Tim Maurer
7 60 40 0 10.46 7.73 7.82 7.55
Five Asset
Roger Gibson
6 60 20 20 22.77 10.14 7.71 7.49
Simplified Permanent Portfolio
3 25 50 25 3.72 8.74 5.97 7.48
Ultimate Buy&Hold
FundAdvice
12 60 40 0 11.49 7.72 7.45 7.46
Coward's Portfolio
Bill Bernstein
10 60 40 0 13.47 9.10 8.73 7.46
GAA Global Asset Allocation
Mebane Faber
10 40.5 49.5 10 8.69 9.12 7.20 7.44
Vanguard LifeStrategy Moderate Growth
Vanguard
4 60 40 0 10.43 10.38 9.08 7.37
Dynamic 60/40 Income
5 60 40 0 15.27 8.72 8.39 7.35
Stocks/Bonds 40/60
2 40 60 0 9.15 9.44 8.30 7.24
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 13.59 7.85 7.90 7.16
Dynamic 40/60 Income
5 40 60 0 6.72 7.20 6.92 7.09
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 11.04 7.90 6.22 7.08
Ideal Index
Frank Armstrong
7 70 30 0 13.98 8.85 8.33 7.07
Paul Boyer Portfolio
Paul Boyer
5 25 50 25 0.51 7.30 4.49 7.05
Permanent Portfolio
Harry Browne
4 25 50 25 4.21 8.91 5.98 7.00
High Yield Bonds Income
4 0 100 0 0.88 5.59 5.34 6.94
Ivy Portfolio
Mebane Faber
5 60 20 20 22.27 9.38 6.88 6.91
Desert Portfolio
Gyroscopic Investing
3 30 60 10 5.76 7.97 6.32 6.90
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 6.44 8.41 7.24 6.87
Lifepath Fund
iShares
6 40.4 59.6 0 8.05 8.48 7.20 6.85
All Country World 80/20
4 80 20 0 14.21 12.37 10.43 6.72
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 16.41 7.95 5.84 6.70
Vanguard LifeStrategy Conservative Growth
Vanguard
4 40 60 0 6.29 8.10 7.13 6.69
All Country World 60/40
4 60 40 0 10.14 10.23 8.74 6.69
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 12.14 9.86 8.56 6.57
All Country World Stocks
1 100 0 0 18.27 14.46 12.06 6.55
European Stocks
1 100 0 0 16.88 10.84 8.67 6.50
Larry Portfolio
Larry Swedroe
4 30 70 0 3.41 4.82 4.62 6.50
All Country World 40/60
4 40 60 0 6.07 8.05 7.02 6.49
Gold
1 0 0 100 -4.15 9.30 1.18 6.30
All Country World 20/80
4 20 80 0 2.00 5.81 5.24 6.13
Stocks/Bonds 20/80
2 20 80 0 3.64 6.52 5.55 6.06
Emerging Markets Stocks
1 100 0 0 -3.61 9.16 4.73 5.94
Developed World ex-US 60/40
2 60 40 0 6.09 7.53 6.80 5.91
Vanguard LifeStrategy Income Fund
Vanguard
4 20 80 0 2.15 5.78 5.12 5.87
Developed World ex-US 40/60
2 40 60 0 3.30 6.11 5.87 5.84
Developed World ex-US 80/20
2 80 20 0 8.88 8.87 7.66 5.82
US Inflation Protection
1 0 100 0 5.67 5.18 2.93 5.79
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 7.04 6.08 4.54 5.73
All Country World Bonds
3 0 100 0 -2.06 3.52 3.42 5.64
Developed World ex-US 20/80
2 20 80 0 0.51 4.61 4.87 5.61
10-year Treasury
1 0 100 0 -3.33 3.54 2.62 5.57
Developed World ex-US Stocks
1 100 0 0 11.67 10.12 8.44 5.54
Edge Select Conservative
Merrill Lynch
12 21 79 0 3.46 5.31 4.76 5.33
Robo Advisor 20
Betterment
12 19.9 80.1 0 2.61 4.53 3.92 5.26
Total Bond Developed World ex-US
1 0 100 0 -2.28 3.03 3.80 5.22
Total Bond US
1 0 100 0 -1.86 3.54 2.75 4.73
Conservative Income
Charles Schwab
6 5 95 0 2.43 3.76 2.95 4.68
Robo Advisor 10
Betterment
12 9.9 90.1 0 0.88 3.09 2.50 4.21
Robo Advisor 0
Betterment
2 0 100 0 -0.79 1.62 1.09 3.13
Short Term Treasury
1 0 100 0 -0.72 1.47 0.95 3.01
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:
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