Lazy Portfolios and ETF composition

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 your Lazy Portfolio

Consolidated returns as of 31 October 2022
Live Update at Nov 29 2022, 03:00PM Eastern Time

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. Current inflation (annualized) is 1Y: 7.75% , 5Y: 3.85% , 10Y: 2.57% , 30Y: 2.51%
Portfolio returns are updated to 31 October 2022.

Live Nov 2022 Returns are calculated on the hypothesis of a newly built portfolio, with the starting asset allocation. Once consolidated, the returns will be calculated on the actual asset weights. Portfolio Update time is Eastern Time (ET - America/New York).
Click here for short term returns

Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 31 October 2022.

The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 31 October 2022.

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. 2022: 6.89%, 2021: 7.04%, 2020: 1.36%, 2019: 2.29%
For further details about Dividends, click here.

Swipe left to see all data

		% Allocation			Ann. Return (%) - Oct 31, 2022				Chg (%)		Return (%)		St.Dev. (%)				Ann. Return / St.Dev.				Max Drawdown (%)				Return / Drawdown				YTD(%)	Yearly Returns (%)			Dividend Yield (%)
Portfolio	#ETF	Stocks	Bonds	Comm	1Y	5Y	10Y	30Y ▾	Daily	Time(ET)	Nov 2022	Oct 2022	1Y	5Y	10Y	30Y	1Y	5Y	10Y	30Y	1Y	5Y	10Y	30Y	1Y	5Y	10Y	30Y	2022	2021	2020	2019	2022	2021	2020	2019
Technology	1	100	0	0	-27.57	13.58	16.75	13.06	-0.87	03:00PM Nov 29 2022	0.83	4.00	25.16	21.09	17.17	23.81	-1.10	0.64	0.98	0.55	-32.49	-32.49	-32.49	-81.08	-0.85	0.42	0.52	0.16	-29.79	27.42	48.40	38.96	0.37	0.54	0.64	1.03
US Stocks Momentum	1	100	0	0	-21.40	9.29	14.05	12.44	0.03	02:59PM Nov 29 2022	1.60	12.55	22.70	18.82	15.00	15.06	-0.94	0.49	0.94	0.83	-30.16	-30.16	-30.16	-53.85	-0.71	0.31	0.47	0.23	-17.77	13.37	29.85	27.26	0.98	0.62	1.07	1.86
Stocks/Bonds 80/20 Momentum	2	80	20	0	-20.35	7.41	11.47	11.15	-0.04	02:59PM Nov 29 2022	1.86	9.45	18.48	15.47	12.32	12.13	-1.10	0.48	0.93	0.92	-27.23	-27.23	-27.23	-43.61	-0.75	0.27	0.42	0.26	-17.32	10.32	25.42	23.57	1.11	0.91	1.36	2.07
US Stocks	1	100	0	0	-16.87	9.80	12.41	9.79	-0.26	02:59PM Nov 29 2022	1.92	8.11	21.26	18.65	14.88	15.27	-0.79	0.53	0.83	0.64	-24.81	-24.81	-24.81	-50.84	-0.68	0.40	0.50	0.19	-18.71	25.67	21.03	30.67	0.94	1.51	1.71	2.29
US Stocks Minimum Volatility	1	100	0	0	-6.84	8.73	11.43	9.77	-0.28	02:59PM Nov 29 2022	3.01	7.70	17.77	14.66	11.93	13.59	-0.38	0.60	0.96	0.72	-17.35	-19.06	-19.06	-43.27	-0.39	0.46	0.60	0.23	-10.98	20.84	5.64	27.69	1.02	1.52	1.89	2.37
Stocks/Bonds 60/40 Momentum	2	60	40	0	-19.26	5.50	8.85	9.67	-0.10	02:59PM Nov 29 2022	2.13	6.54	14.55	12.21	9.71	9.35	-1.32	0.45	0.91	1.04	-24.21	-24.21	-24.21	-32.52	-0.80	0.23	0.37	0.30	-16.86	7.27	20.99	19.89	1.24	1.20	1.65	2.28
US Stocks Value	1	100	0	0	-3.76	8.19	10.86	9.62	0.06	02:59PM Nov 29 2022	3.79	11.44	20.47	18.53	14.93	15.09	-0.18	0.44	0.73	0.64	-16.63	-26.06	-26.06	-55.41	-0.23	0.31	0.42	0.17	-7.09	25.21	1.55	31.48	1.50	2.32	2.40	2.83
Sheltered Sam 100/0 Bill Bernstein	10	97	0	3	-12.87	6.06	9.26	9.40	0.41	03:00PM Nov 29 2022	4.76	8.65	19.10	17.63	14.10	15.05	-0.67	0.34	0.66	0.62	-21.73	-25.40	-25.40	-54.91	-0.59	0.24	0.36	0.17	-14.96	23.26	7.92	25.10	1.37	2.43	2.06	2.95
Warren Buffett Portfolio Warren Buffett	2	90	10	0	-15.46	9.39	11.52	9.34	-0.33	03:00PM Nov 29 2022	1.79	6.89	19.09	16.46	13.12	13.41	-0.81	0.57	0.88	0.70	-23.08	-23.08	-23.08	-45.52	-0.67	0.41	0.50	0.21	-17.78	24.59	19.19	28.46	0.91	1.38	1.67	2.33
Robust Alpha Architect	8	70	20	10	-12.22	5.31	7.52	9.06	0.37	03:00PM Nov 29 2022	2.81	7.03	15.12	13.58	10.77	10.90	-0.81	0.39	0.70	0.83	-17.99	-19.09	-19.09	-44.20	-0.68	0.28	0.39	0.20	-11.52	17.40	7.53	20.35	1.29	1.61	1.55	2.48
Aggressive Global Income	4	80	20	0	-9.10	3.10	6.08	9.04	0.20	03:00PM Nov 29 2022	4.99	8.04	16.82	14.88	12.31	14.27	-0.54	0.21	0.49	0.63	-18.06	-23.84	-23.84	-52.63	-0.50	0.13	0.26	0.17	-11.48	17.07	-1.13	19.97	2.65	3.67	3.52	4.21
Sheltered Sam 90/10 Bill Bernstein	12	87.3	10	2.7	-12.33	5.63	8.46	9.00	0.36	03:00PM Nov 29 2022	4.33	7.71	17.45	15.87	12.71	13.50	-0.71	0.35	0.67	0.67	-20.42	-22.65	-22.65	-50.12	-0.60	0.25	0.37	0.18	-14.29	21.12	7.74	23.13	1.49	2.38	1.97	2.86
Stocks/Bonds 80/20	2	80	20	0	-16.53	7.86	10.17	8.97	-0.27	02:59PM Nov 29 2022	2.12	6.06	17.73	15.25	12.12	12.23	-0.93	0.52	0.84	0.73	-22.75	-22.75	-22.75	-41.09	-0.73	0.35	0.45	0.22	-18.07	20.16	18.36	26.30	1.08	1.62	1.87	2.41
Simple Path to Wealth JL Collins	2	75	25	0	-16.46	7.37	9.60	8.74	-0.27	02:59PM Nov 29 2022	2.17	5.56	16.88	14.42	11.44	11.50	-0.97	0.51	0.84	0.76	-22.24	-22.24	-22.24	-38.53	-0.74	0.33	0.43	0.23	-17.91	18.79	17.70	25.21	1.11	1.65	1.92	2.45
Sheltered Sam 80/20 Bill Bernstein	12	77.6	20	2.4	-11.80	5.18	7.64	8.56	0.30	03:00PM Nov 29 2022	3.89	6.80	15.83	14.15	11.34	11.99	-0.75	0.37	0.67	0.71	-19.11	-19.89	-19.89	-45.06	-0.62	0.26	0.38	0.19	-13.61	18.98	7.57	21.16	1.61	2.33	1.87	2.77
Mid-Fifties Burton Malkiel	8	80	20	0	-19.14	3.99	6.73	8.56	0.38	03:00PM Nov 29 2022	5.82	4.35	15.73	14.25	11.58	12.76	-1.22	0.28	0.58	0.67	-24.05	-24.05	-24.05	-46.21	-0.80	0.17	0.28	0.19	-20.74	15.75	11.71	23.79	1.39	2.30	2.23	3.16
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	-18.38	2.87	7.45	8.56	0.55	03:00PM Nov 29 2022	6.70	7.03	18.65	17.99	14.51	15.46	-0.99	0.16	0.51	0.55	-24.70	-27.54	-27.54	-57.21	-0.74	0.10	0.27	0.15	-19.41	19.37	6.40	23.62	1.60	2.79	2.06	3.37
Robo Advisor 100 Betterment	6	100	0	0	-17.87	4.69	8.27	8.52	0.38	02:59PM Nov 29 2022	6.36	7.05	18.21	17.39	14.17	15.60	-0.98	0.27	0.58	0.55	-24.17	-24.17	-24.17	-54.55	-0.74	0.19	0.34	0.16	-18.82	18.02	12.47	25.35	1.28	2.34	1.94	2.89
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	-19.41	4.13	6.99	8.48	0.40	03:00PM Nov 29 2022	5.91	4.57	15.95	14.76	12.03	13.38	-1.22	0.28	0.58	0.63	-24.26	-24.26	-24.26	-48.28	-0.80	0.17	0.29	0.18	-20.80	15.84	12.75	24.10	1.31	2.23	2.11	3.05
Seven Value Scott Burns	7	71.5	28.5	0	-3.05	6.45	7.10	8.41	0.46	03:00PM Nov 29 2022	3.31	9.19	18.18	14.39	11.36	11.18	-0.17	0.45	0.62	0.75	-14.49	-20.44	-20.44	-41.22	-0.21	0.32	0.35	0.20	-4.67	22.53	1.86	19.31	2.35	3.60	2.32	3.71
Robo Advisor 90 Betterment	11	90.1	9.9	0	-17.74	4.27	7.66	8.41	0.35	03:00PM Nov 29 2022	5.93	6.25	16.97	16.05	13.04	14.24	-1.05	0.27	0.59	0.59	-23.36	-23.36	-23.36	-50.07	-0.76	0.18	0.33	0.17	-18.57	16.04	12.42	23.85	1.23	2.36	1.94	2.92
Late Sixties and Beyond Burton Malkiel	8	71	29	0	-17.43	4.00	6.36	8.41	0.33	03:00PM Nov 29 2022	5.27	3.99	14.75	13.01	10.54	11.45	-1.18	0.31	0.60	0.73	-22.44	-22.44	-22.44	-41.80	-0.78	0.18	0.28	0.20	-19.34	15.40	10.03	22.55	1.43	2.25	2.27	3.19
Mid-Twenties Burton Malkiel	8	87	13	0	-19.81	4.04	6.99	8.39	0.43	03:00PM Nov 29 2022	5.99	4.53	16.03	14.99	12.25	13.72	-1.24	0.27	0.57	0.61	-24.50	-24.50	-24.50	-49.50	-0.81	0.16	0.29	0.17	-21.08	15.90	12.95	24.15	1.28	2.22	2.07	3.04
Yale Endowment David Swensen	6	70	30	0	-21.15	3.70	6.24	8.35	0.11	03:00PM Nov 29 2022	4.48	3.32	15.90	12.70	10.40	10.67	-1.33	0.29	0.60	0.78	-25.53	-25.53	-25.53	-39.48	-0.83	0.15	0.24	0.21	-23.06	17.53	12.03	22.65	1.91	2.65	2.12	2.91
Edge Select Aggressive Merrill Lynch	12	84	16	0	-19.19	5.38	8.11	8.33	0.12	03:00PM Nov 29 2022	4.68	4.76	15.92	14.86	12.10	13.02	-1.21	0.36	0.67	0.64	-23.81	-23.81	-23.81	-45.65	-0.81	0.23	0.34	0.18	-20.18	15.74	17.62	24.61	1.07	1.85	1.73	2.60
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	-17.56	4.81	6.89	8.27	0.23	03:00PM Nov 29 2022	2.74	3.28	15.85	12.82	10.39	10.53	-1.11	0.38	0.66	0.79	-22.88	-22.88	-22.88	-40.17	-0.77	0.21	0.30	0.21	-20.35	21.44	8.02	22.79	1.45	2.37	2.63	3.16
Robo Advisor 80 Betterment	10	80	20	0	-17.66	3.71	6.91	8.23	0.33	03:00PM Nov 29 2022	5.71	5.45	15.69	14.56	11.81	12.87	-1.13	0.25	0.58	0.64	-22.63	-22.63	-22.63	-45.47	-0.78	0.16	0.31	0.18	-18.42	13.94	11.77	22.23	1.32	2.47	1.97	2.99
Six Ways from Sunday Scott Burns	6	66.7	33.3	0	-3.37	5.99	6.28	8.16	0.51	03:00PM Nov 29 2022	3.22	8.78	17.99	13.99	11.06	10.79	-0.19	0.43	0.57	0.76	-14.34	-19.67	-19.67	-39.14	-0.24	0.30	0.32	0.21	-4.68	21.86	1.75	18.22	2.46	3.75	2.27	3.81
Second Grader's Starter Paul Farrell	3	90	10	0	-18.92	5.81	8.69	8.16	0.04	02:59PM Nov 29 2022	4.68	5.69	17.34	15.86	12.83	13.62	-1.09	0.37	0.68	0.60	-24.21	-24.21	-24.21	-48.52	-0.78	0.24	0.36	0.17	-19.90	17.70	16.72	25.83	1.19	2.09	1.94	2.78
Sheltered Sam 70/30 Bill Bernstein	12	67.9	30	2.1	-11.28	4.72	6.81	8.10	0.24	03:00PM Nov 29 2022	3.46	5.91	14.24	12.46	9.99	10.51	-0.79	0.38	0.68	0.77	-17.80	-17.80	-17.80	-39.73	-0.63	0.26	0.38	0.20	-12.93	16.83	7.39	19.18	1.74	2.28	1.77	2.68
Couch Potato Scott Burns	2	50	50	0	-14.60	5.95	6.80	8.06	-0.33	03:00PM Nov 29 2022	1.15	4.56	14.44	11.08	8.76	8.58	-1.01	0.54	0.78	0.94	-19.77	-19.77	-19.77	-27.04	-0.74	0.30	0.34	0.30	-16.12	15.67	15.93	19.51	3.22	2.96	1.50	2.09
Stocks/Bonds 40/60 Momentum	2	40	60	0	-18.10	3.54	6.17	8.04	-0.17	02:59PM Nov 29 2022	2.40	3.82	11.01	9.12	7.25	6.77	-1.64	0.39	0.85	1.19	-21.11	-21.11	-21.11	-21.11	-0.86	0.17	0.29	0.38	-16.41	4.23	16.57	16.20	1.37	1.48	1.95	2.49
Lazy Portfolio David Swensen	6	70	30	0	-17.80	4.09	6.15	8.02	0.31	03:00PM Nov 29 2022	3.77	3.54	14.70	12.35	10.06	10.64	-1.21	0.33	0.61	0.75	-22.43	-22.43	-22.43	-40.89	-0.79	0.18	0.27	0.20	-19.69	17.34	10.56	21.27	1.85	2.51	2.03	2.85
Family Taxable Portfolio Ted Aronson	11	70	30	0	-19.62	3.11	6.30	8.00	0.18	03:00PM Nov 29 2022	4.98	4.48	15.45	13.17	10.69	11.40	-1.27	0.24	0.59	0.70	-23.76	-23.76	-23.76	-38.46	-0.83	0.13	0.27	0.21	-20.34	11.93	14.59	19.91	1.80	2.47	1.80	2.63
Core Four Rick Ferri	4	80	20	0	-18.61	5.04	7.69	8.00	0.10	03:00PM Nov 29 2022	4.37	4.61	16.06	14.20	11.42	11.94	-1.16	0.35	0.67	0.67	-23.46	-23.46	-23.46	-44.44	-0.79	0.21	0.33	0.18	-19.93	17.18	13.93	24.04	1.29	2.20	2.14	2.91
Stocks/Bonds 60/40	2	60	40	0	-16.24	5.86	7.87	8.00	-0.28	02:59PM Nov 29 2022	2.33	4.11	14.39	11.98	9.46	9.35	-1.13	0.49	0.83	0.86	-20.69	-20.69	-20.69	-30.55	-0.78	0.28	0.38	0.26	-17.43	14.66	15.70	21.94	1.22	1.73	2.04	2.54
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	-18.52	4.56	7.00	7.87	0.04	03:00PM Nov 29 2022	4.36	3.77	14.25	12.75	10.34	10.89	-1.30	0.36	0.68	0.72	-22.31	-22.31	-22.31	-38.23	-0.83	0.20	0.31	0.21	-19.39	12.88	16.02	22.30	1.16	1.82	1.86	2.71
Four Funds Bogleheads	4	80	20	0	-18.48	5.05	7.58	7.84	0.03	03:00PM Nov 29 2022	4.53	4.98	15.97	14.31	11.59	12.22	-1.16	0.35	0.65	0.64	-23.20	-23.20	-23.20	-44.08	-0.80	0.22	0.33	0.18	-19.38	15.70	15.71	23.60	1.65	2.38	1.89	2.73
Jane Bryant Quinn Portfolio Jane Bryant Quinn	5	70	30	0	-17.78	4.67	7.01	7.82	-0.02	03:00PM Nov 29 2022	3.83	4.52	15.70	13.04	10.42	10.53	-1.13	0.36	0.67	0.74	-22.74	-22.74	-22.74	-39.55	-0.78	0.21	0.31	0.20	-19.25	16.85	12.52	22.28	1.72	2.50	2.13	2.84
Gone Fishin' Portfolio Alexander Green	10	65	30	5	-17.92	2.99	5.53	7.82	0.38	03:00PM Nov 29 2022	5.06	4.19	14.45	12.98	10.54	11.89	-1.24	0.23	0.52	0.66	-21.98	-21.98	-21.98	-43.02	-0.82	0.14	0.25	0.18	-18.71	11.58	12.37	19.76	1.78	2.60	2.16	2.90
Coffeehouse Bill Schultheis	7	60	40	0	-14.30	3.76	6.31	7.78	0.15	03:00PM Nov 29 2022	3.50	4.72	13.97	11.78	9.37	9.41	-1.02	0.32	0.67	0.83	-19.65	-19.65	-19.65	-33.93	-0.73	0.19	0.32	0.23	-15.86	15.24	7.45	18.99	1.44	2.31	2.25	2.89
Three Funds Bogleheads	3	80	20	0	-18.78	4.83	7.56	7.72	0.04	02:59PM Nov 29 2022	4.78	4.69	15.65	14.19	11.48	12.15	-1.20	0.34	0.66	0.64	-23.18	-23.18	-23.18	-43.68	-0.81	0.21	0.33	0.18	-19.58	14.95	15.39	23.65	1.26	2.15	2.02	2.84
Golden Butterfly	5	40	40	20	-14.29	4.12	5.14	7.70	-0.05	03:00PM Nov 29 2022	3.56	2.84	10.53	8.84	7.39	7.36	-1.36	0.47	0.70	1.05	-17.79	-17.79	-17.79	-17.79	-0.80	0.23	0.29	0.43	-15.45	9.35	13.93	18.03	0.79	1.03	1.09	1.81
LifeStrategy Growth Fund Vanguard	4	80	20	0	-18.73	4.67	7.45	7.68	0.10	02:59PM Nov 29 2022	4.91	4.71	15.52	14.12	11.46	12.18	-1.21	0.33	0.65	0.63	-23.11	-23.11	-23.11	-44.18	-0.81	0.20	0.32	0.17	-19.49	14.57	15.01	23.41	1.22	2.27	1.95	2.91
Long Term Portfolio Ben Stein	6	80	20	0	-15.35	4.19	6.84	7.67	0.37	03:00PM Nov 29 2022	4.61	5.00	14.61	13.81	11.21	12.23	-1.05	0.30	0.61	0.63	-20.52	-20.52	-20.52	-45.92	-0.75	0.20	0.33	0.17	-16.54	16.72	9.40	21.13	1.13	1.92	1.66	2.79
No Brainer Portfolio Bill Bernstein	4	75	25	0	-14.36	4.62	7.34	7.65	0.20	03:00PM Nov 29 2022	3.69	5.53	14.58	13.63	11.04	11.54	-0.98	0.34	0.66	0.66	-19.76	-19.76	-19.76	-40.40	-0.73	0.23	0.37	0.19	-15.32	15.39	11.61	19.82	0.99	1.74	1.53	2.49
Sheltered Sam 60/40 Bill Bernstein	12	58.2	40	1.8	-10.76	4.24	5.97	7.60	0.18	03:00PM Nov 29 2022	3.02	5.06	12.68	10.80	8.67	9.07	-0.85	0.39	0.69	0.84	-16.49	-16.49	-16.49	-34.12	-0.65	0.26	0.36	0.22	-12.26	14.69	7.21	17.21	1.86	2.23	1.68	2.59
Perfect Portfolio Ben Stein	7	80	20	0	-12.70	5.14	7.13	7.56	0.31	03:00PM Nov 29 2022	4.62	5.67	14.99	13.82	11.23	12.21	-0.85	0.37	0.63	0.62	-18.32	-18.62	-18.62	-44.81	-0.69	0.28	0.38	0.17	-13.68	16.52	10.46	21.12	1.11	1.92	1.69	2.89
Five Fold Scott Burns	5	60	40	0	-17.15	3.40	5.35	7.54	0.33	03:00PM Nov 29 2022	3.72	3.26	13.90	11.25	9.20	9.53	-1.23	0.30	0.58	0.79	-21.60	-21.60	-21.60	-37.94	-0.79	0.16	0.25	0.20	-19.04	15.57	8.59	19.52	2.10	3.25	2.00	3.14
Robo Advisor 50 Betterment	10	49.9	50.1	0	-17.15	2.01	4.60	7.53	0.25	03:00PM Nov 29 2022	5.12	3.18	12.01	10.36	8.39	9.11	-1.43	0.19	0.55	0.83	-20.25	-20.25	-20.25	-30.72	-0.85	0.10	0.23	0.25	-17.71	7.95	9.50	17.41	1.67	2.80	2.06	3.20
Pinwheel	8	65	25	10	-15.31	3.33	5.16	7.53	0.49	03:00PM Nov 29 2022	4.86	3.38	12.42	11.33	9.30	10.28	-1.23	0.29	0.55	0.73	-19.49	-19.49	-19.49	-36.89	-0.79	0.17	0.26	0.20	-16.77	13.53	9.12	19.31	1.05	1.79	1.62	2.58
Tilt Toward Value Time Inc	7	60	40	0	-16.10	3.74	6.10	7.53	0.14	03:00PM Nov 29 2022	3.81	3.74	13.38	11.24	9.00	9.16	-1.20	0.33	0.68	0.82	-20.45	-20.45	-20.45	-34.63	-0.79	0.18	0.30	0.22	-17.47	13.78	9.48	19.75	1.34	2.43	2.18	3.04
Five Asset Roger Gibson	6	60	20	20	-11.48	5.32	5.32	7.47	0.55	03:00PM Nov 29 2022	3.57	3.89	14.35	12.95	10.41	11.11	-0.80	0.41	0.51	0.67	-16.29	-19.30	-19.30	-44.75	-0.70	0.28	0.28	0.17	-12.59	22.77	5.29	20.35	1.13	2.16	1.93	3.02
Gretchen Tai Portfolio Gretchen Tai	9	70	30	0	-19.83	2.78	5.65	7.44	0.22	03:00PM Nov 29 2022	5.47	4.02	14.89	13.02	10.63	11.46	-1.33	0.21	0.53	0.65	-23.59	-23.59	-23.59	-41.80	-0.84	0.12	0.24	0.18	-20.52	12.15	12.24	20.82	1.73	2.69	2.16	3.22
Margaritaville Scott Burns	3	67	33	0	-17.85	3.95	5.87	7.36	0.04	03:00PM Nov 29 2022	4.34	4.23	14.42	12.38	10.13	10.67	-1.24	0.32	0.58	0.69	-21.96	-21.96	-21.96	-38.70	-0.81	0.18	0.27	0.19	-18.66	13.33	14.40	20.39	2.64	3.04	1.73	2.62
Marc Faber Portfolio Marc Faber	6	50	25	25	-16.43	3.72	4.13	7.35	0.44	03:00PM Nov 29 2022	4.97	1.29	11.86	10.36	8.92	9.37	-1.39	0.36	0.46	0.78	-19.93	-19.93	-19.93	-28.82	-0.82	0.19	0.21	0.26	-18.90	12.98	11.15	20.49	1.12	1.94	2.02	2.52
Nano Portfolio John Wasik	5	60	40	0	-17.61	3.29	5.25	7.34	0.12	03:00PM Nov 29 2022	3.96	3.36	14.46	11.40	9.28	9.43	-1.22	0.29	0.57	0.78	-22.12	-22.12	-22.12	-36.66	-0.80	0.15	0.24	0.20	-19.50	16.29	8.50	19.75	2.35	3.03	2.29	3.01
Simple Money Portfolio Tim Maurer	7	60	40	0	-14.25	2.21	5.29	7.32	0.15	03:00PM Nov 29 2022	4.53	4.76	12.76	10.88	8.82	8.89	-1.12	0.20	0.60	0.82	-18.42	-18.44	-18.44	-32.39	-0.77	0.12	0.29	0.23	-14.54	10.46	6.87	16.14	1.30	1.99	1.57	2.95
All Weather Portfolio Ray Dalio	5	30	55	15	-19.05	3.23	4.07	7.29	-0.36	03:00PM Nov 29 2022	3.73	0.66	10.37	8.45	7.12	7.01	-1.84	0.38	0.57	1.04	-20.19	-20.19	-20.19	-20.19	-0.94	0.16	0.20	0.36	-19.66	8.08	14.68	18.22	0.92	1.13	1.40	2.03
Sandwich Portfolio Bob Clyatt	8	55	45	0	-16.12	2.76	5.16	7.29	0.16	03:00PM Nov 29 2022	3.76	2.78	11.28	9.57	7.76	8.11	-1.43	0.29	0.67	0.90	-19.10	-19.10	-19.10	-28.96	-0.84	0.14	0.27	0.25	-16.85	9.88	10.59	16.81	0.98	1.55	1.53	2.61
Edge Select Moderate Merrill Lynch	12	53	47	0	-17.64	3.51	5.69	7.28	-0.01	03:00PM Nov 29 2022	4.05	2.81	12.46	10.53	8.49	8.69	-1.42	0.33	0.67	0.84	-20.56	-20.56	-20.56	-29.58	-0.86	0.17	0.28	0.25	-18.33	9.66	13.88	19.44	1.23	1.77	1.93	2.80
Simple and Cheap Time Inc	5	60	40	0	-17.74	3.41	5.74	7.26	0.14	03:00PM Nov 29 2022	4.17	2.96	13.08	11.06	8.91	9.15	-1.36	0.31	0.64	0.79	-21.27	-21.27	-21.27	-34.84	-0.83	0.16	0.27	0.21	-18.94	12.62	10.84	19.89	1.33	2.43	2.19	3.09
Coward's Portfolio Bill Bernstein	9	60	40	0	-10.80	3.99	6.09	7.24	0.24	03:00PM Nov 29 2022	3.01	4.64	11.77	10.60	8.56	8.94	-0.92	0.38	0.71	0.81	-15.87	-15.87	-15.87	-32.68	-0.68	0.25	0.38	0.22	-11.97	13.60	7.17	16.66	1.00	1.49	1.58	2.56
Ultimate Buy&Hold FundAdvice	12	60	40	0	-14.64	1.99	4.83	7.24	0.27	03:00PM Nov 29 2022	4.39	3.77	12.12	10.63	8.67	9.09	-1.21	0.19	0.56	0.80	-18.44	-18.44	-18.44	-34.23	-0.79	0.11	0.26	0.21	-15.37	11.49	5.84	16.24	1.74	2.22	1.73	2.84
Big Rocks Portfolio Larry Swedroe	11	60	40	0	-10.74	3.38	5.77	7.17	0.28	03:00PM Nov 29 2022	3.16	4.67	11.78	10.78	8.70	8.97	-0.91	0.31	0.66	0.80	-15.71	-15.71	-15.71	-33.80	-0.68	0.22	0.37	0.21	-11.78	13.59	5.25	15.98	1.16	1.65	1.57	2.72
Global Market Portfolio Credit Suisse	8	45	55	0	-21.14	1.75	4.26	7.14	0.04	03:00PM Nov 29 2022	5.39	1.31	12.02	9.58	7.91	7.93	-1.76	0.18	0.54	0.90	-23.10	-23.10	-23.10	-25.90	-0.91	0.08	0.18	0.28	-22.10	7.49	12.06	19.24	1.39	2.43	2.07	3.21
LifeStrategy Moderate Growth Vanguard	4	60	40	0	-17.66	3.51	5.91	7.10	0.04	02:59PM Nov 29 2022	4.36	3.26	12.79	11.10	8.96	9.29	-1.38	0.32	0.66	0.76	-20.84	-20.84	-20.84	-33.52	-0.85	0.17	0.28	0.21	-18.26	10.43	12.96	19.70	1.25	2.33	1.99	2.96
Dynamic 60/40 Income	5	60	40	0	-14.31	3.53	5.36	7.10	0.13	03:00PM Nov 29 2022	2.31	2.13	13.11	10.69	8.46	9.11	-1.09	0.33	0.63	0.78	-18.21	-18.21	-18.21	-41.44	-0.79	0.19	0.29	0.17	-16.47	15.27	6.26	18.59	2.01	2.81	3.17	4.05
Sheltered Sam 50/50 Bill Bernstein	12	48.5	50	1.5	-10.26	3.74	5.12	7.08	0.13	03:00PM Nov 29 2022	2.59	4.23	11.16	9.19	7.38	7.68	-0.92	0.41	0.69	0.92	-15.17	-15.17	-15.17	-28.23	-0.68	0.25	0.34	0.25	-11.58	12.55	7.04	15.24	1.98	2.18	1.58	2.50
One-Decision Portfolio Marvin Appel	5	50	50	0	-11.65	4.24	5.79	7.07	0.17	03:00PM Nov 29 2022	2.48	3.38	12.15	10.18	8.18	8.15	-0.96	0.42	0.71	0.87	-16.74	-16.74	-16.74	-31.96	-0.70	0.25	0.35	0.22	-13.93	16.51	5.32	18.51	1.20	1.66	1.86	2.89
Dynamic 40/60 Income	5	40	60	0	-15.31	1.92	3.96	7.03	-0.04	03:00PM Nov 29 2022	3.38	1.47	11.09	9.22	7.17	7.91	-1.38	0.21	0.55	0.89	-17.33	-17.33	-17.33	-29.84	-0.88	0.11	0.23	0.24	-16.11	6.72	8.28	15.91	2.25	2.85	3.24	4.21
Ivy Portfolio Mebane Faber	5	60	20	20	-10.61	4.95	4.76	7.01	0.56	03:00PM Nov 29 2022	3.14	4.12	14.90	13.78	10.98	11.42	-0.71	0.36	0.43	0.61	-16.46	-21.77	-21.77	-47.39	-0.64	0.23	0.22	0.15	-11.42	22.27	2.25	21.16	1.18	2.07	2.02	2.63
GAA Global Asset Allocation Mebane Faber	10	40.5	49.5	10	-18.59	2.47	3.97	7.01	0.05	03:00PM Nov 29 2022	4.97	1.77	11.57	9.47	7.74	7.74	-1.61	0.26	0.51	0.91	-20.65	-20.65	-20.65	-24.91	-0.90	0.12	0.19	0.28	-19.24	8.69	11.18	19.10	1.23	2.20	1.86	2.90
Ideal Index Frank Armstrong	7	70	30	0	-13.39	3.25	5.77	7.00	0.40	03:00PM Nov 29 2022	4.47	4.60	12.90	11.99	9.76	10.51	-1.04	0.27	0.59	0.67	-18.25	-18.25	-18.25	-40.11	-0.73	0.18	0.32	0.17	-14.50	13.98	6.95	17.96	1.17	1.94	1.75	2.83
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	-8.86	4.22	4.23	6.94	0.51	03:00PM Nov 29 2022	2.66	3.87	12.22	11.40	9.14	9.67	-0.72	0.37	0.46	0.72	-13.28	-17.90	-17.90	-37.96	-0.67	0.24	0.24	0.18	-9.00	16.41	3.64	17.04	0.83	1.33	1.34	2.13
Four Square Scott Burns	4	50	50	0	-16.41	3.02	4.83	6.92	0.10	03:00PM Nov 29 2022	3.81	3.20	11.97	9.79	7.99	8.29	-1.37	0.31	0.60	0.84	-19.67	-19.67	-19.67	-29.95	-0.83	0.15	0.25	0.23	-17.10	9.33	11.91	17.18	2.17	3.18	1.59	2.86
Stocks/Bonds 40/60	2	40	60	0	-15.98	3.81	5.53	6.90	-0.29	02:59PM Nov 29 2022	2.53	2.27	11.28	8.93	7.00	6.70	-1.42	0.43	0.79	1.03	-18.63	-18.63	-18.63	-19.17	-0.86	0.20	0.30	0.36	-16.79	9.15	13.04	17.57	1.35	1.84	2.20	2.66
European Stocks	1	100	0	0	-24.69	0.13	4.27	6.82	0.31	02:59PM Nov 29 2022	11.39	8.43	20.61	18.98	16.14	17.60	-1.20	0.01	0.26	0.39	-30.58	-30.98	-30.98	-59.77	-0.81	0.00	0.14	0.11	-24.73	16.88	6.11	24.86	2.07	3.49	2.85	3.99
Simplified Permanent Portfolio	3	25	50	25	-14.62	3.44	3.38	6.80	-0.09	03:00PM Nov 29 2022	3.67	0.61	8.64	7.20	6.52	6.61	-1.69	0.48	0.52	1.03	-16.43	-16.43	-16.43	-16.43	-0.89	0.21	0.21	0.41	-15.92	3.72	16.46	16.15	0.78	0.78	1.02	1.68
Rob Arnott Portfolio Rob Arnott	8	30	60	10	-15.66	2.70	3.40	6.75	0.13	03:00PM Nov 29 2022	3.75	1.64	10.71	8.42	6.93	6.96	-1.46	0.32	0.49	0.97	-17.86	-17.86	-17.86	-24.27	-0.88	0.15	0.19	0.28	-16.50	11.04	7.98	16.67	1.63	2.57	1.88	3.13
High Yield Bonds Income	4	0	100	0	-20.06	-0.64	1.85	6.71	0.16	03:00PM Nov 29 2022	5.23	1.19	12.26	9.92	8.09	8.58	-1.64	-0.06	0.23	0.78	-21.38	-21.84	-21.84	-23.97	-0.94	-0.03	0.08	0.28	-20.44	0.88	7.08	16.98	3.12	3.76	4.38	5.32
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	-16.46	2.53	4.42	6.61	-0.05	03:00PM Nov 29 2022	3.63	1.88	10.58	8.27	6.64	6.58	-1.56	0.31	0.67	1.00	-18.53	-18.53	-18.53	-20.48	-0.89	0.14	0.24	0.32	-17.00	6.44	11.65	16.41	1.25	1.84	1.95	2.92
Desert Portfolio Gyroscopic Investing	3	30	60	10	-12.49	3.54	4.18	6.56	-0.10	02:59PM Nov 29 2022	2.25	1.64	8.16	6.34	5.19	5.29	-1.53	0.56	0.81	1.24	-14.72	-14.72	-14.72	-14.72	-0.85	0.24	0.28	0.45	-13.33	5.76	12.96	14.41	0.76	0.88	1.23	1.95
Sheltered Sam 40/60 Bill Bernstein	12	38.8	60	1.2	-9.76	3.23	4.25	6.54	0.07	03:00PM Nov 29 2022	2.15	3.43	9.68	7.62	6.13	6.35	-1.01	0.42	0.69	1.03	-13.86	-13.86	-13.86	-22.05	-0.70	0.23	0.31	0.30	-10.91	10.41	6.86	13.26	2.11	2.12	1.48	2.41
Lifepath Fund iShares	6	40.4	59.6	0	-16.53	2.62	4.40	6.51	-0.14	03:00PM Nov 29 2022	3.51	2.04	10.85	8.59	6.85	6.75	-1.52	0.31	0.64	0.97	-18.92	-18.92	-18.92	-21.23	-0.87	0.14	0.23	0.31	-17.26	8.05	11.47	16.20	1.77	2.31	2.15	2.76
All Country World 80/20	4	80	20	0	-19.05	4.22	6.90	6.51	0.10	02:59PM Nov 29 2022	4.97	4.88	15.92	14.37	11.70	12.56	-1.20	0.29	0.59	0.52	-23.52	-23.52	-23.52	-47.32	-0.81	0.18	0.29	0.14	-19.79	14.21	14.55	23.35	1.25	2.27	1.98	3.01
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	-14.88	3.65	5.90	6.48	0.02	03:00PM Nov 29 2022	4.52	4.22	12.71	11.27	9.27	9.81	-1.17	0.32	0.64	0.66	-18.85	-18.85	-18.85	-36.42	-0.79	0.19	0.31	0.18	-15.43	12.14	10.55	18.69	1.17	1.80	1.64	2.72
All Country World 60/40	4	60	40	0	-18.21	3.07	5.50	6.44	0.08	02:59PM Nov 29 2022	4.61	3.45	13.30	11.55	9.36	9.86	-1.37	0.27	0.59	0.65	-21.52	-21.52	-21.52	-36.70	-0.85	0.14	0.26	0.18	-18.81	10.14	12.48	19.89	1.31	2.41	2.05	3.13
Paul Boyer Portfolio Paul Boyer	5	25	50	25	-17.29	1.29	1.85	6.41	0.21	03:00PM Nov 29 2022	5.29	-0.57	6.96	7.10	6.73	7.24	-2.49	0.18	0.27	0.89	-17.86	-18.04	-18.04	-18.04	-0.97	0.07	0.10	0.36	-17.86	0.51	15.04	13.97	0.69	0.90	1.04	1.80
All Country World Stocks	1	100	0	0	-19.90	5.30	8.26	6.41	0.12	02:59PM Nov 29 2022	5.33	6.38	18.66	17.32	14.16	15.44	-1.07	0.31	0.58	0.42	-25.52	-25.52	-25.52	-57.06	-0.78	0.21	0.32	0.11	-20.77	18.27	16.61	26.82	1.18	2.13	1.91	2.90
LifeStrategy Conservative Growth Vanguard	4	40	60	0	-16.61	2.28	4.31	6.39	-0.01	02:59PM Nov 29 2022	3.81	1.88	10.24	8.29	6.66	6.65	-1.62	0.28	0.65	0.96	-18.57	-18.57	-18.57	-21.90	-0.89	0.12	0.23	0.29	-17.04	6.29	10.90	15.98	1.29	2.39	2.03	3.01
Permanent Portfolio Harry Browne	4	25	50	25	-14.61	3.55	3.47	6.38	-0.16	03:00PM Nov 29 2022	4.00	0.14	7.51	7.21	6.56	6.29	-1.94	0.49	0.53	1.01	-15.92	-15.92	-15.92	-15.92	-0.92	0.22	0.22	0.40	-15.81	4.21	16.10	16.17	0.70	0.73	0.94	1.73
Larry Portfolio Larry Swedroe	4	30	70	0	-13.21	0.58	2.67	6.30	0.14	02:59PM Nov 29 2022	3.03	1.67	7.86	5.92	4.93	5.42	-1.68	0.10	0.54	1.16	-14.64	-15.96	-15.96	-15.96	-0.90	0.04	0.17	0.39	-13.12	3.41	6.44	10.64	1.01	1.20	1.29	2.32
Stocks/Bonds 20/80 Momentum	2	20	80	0	-16.89	1.54	3.44	6.25	-0.24	02:59PM Nov 29 2022	2.67	1.25	8.10	6.46	5.17	4.70	-2.09	0.24	0.67	1.33	-17.91	-17.91	-17.91	-17.91	-0.94	0.09	0.19	0.35	-15.96	1.18	12.14	12.52	1.50	1.77	2.24	2.70
All Country World 40/60	4	40	60	0	-17.38	1.88	4.04	6.23	0.05	02:59PM Nov 29 2022	4.25	2.10	10.82	8.91	7.18	7.40	-1.61	0.21	0.56	0.84	-19.52	-19.52	-19.52	-25.16	-0.89	0.10	0.21	0.25	-17.82	6.07	10.42	16.42	1.38	2.55	2.13	3.24
Sheltered Sam 30/70 Bill Bernstein	12	29.1	70	0.9	-9.27	2.70	3.37	5.96	0.01	03:00PM Nov 29 2022	1.72	2.65	8.25	6.13	4.94	5.12	-1.12	0.44	0.68	1.16	-12.55	-12.55	-12.55	-16.58	-0.74	0.22	0.27	0.36	-10.23	8.27	6.68	11.29	2.23	2.07	1.38	2.32
All Country World 20/80	4	20	80	0	-16.57	0.62	2.53	5.89	0.03	02:59PM Nov 29 2022	3.89	0.81	8.56	6.65	5.37	5.41	-1.94	0.09	0.47	1.09	-17.51	-17.97	-17.97	-17.97	-0.95	0.03	0.14	0.33	-16.84	2.00	8.36	12.96	1.44	2.69	2.20	3.36
Eliminate Fat Tails Larry Swedroe	4	30	70	0	-10.57	1.78	2.58	5.82	0.24	03:00PM Nov 29 2022	2.32	1.93	7.42	6.56	5.47	6.32	-1.42	0.27	0.47	0.92	-12.62	-12.62	-12.62	-18.42	-0.84	0.14	0.20	0.32	-10.94	5.40	8.18	9.79	2.34	2.12	0.99	2.12
Developed World ex-US 60/40	2	60	40	0	-19.01	0.33	3.62	5.69	0.30	02:59PM Nov 29 2022	7.18	3.62	12.71	10.86	9.19	10.14	-1.50	0.03	0.39	0.56	-21.84	-22.40	-22.40	-37.49	-0.87	0.01	0.16	0.15	-18.84	6.09	7.71	16.72	1.15	3.50	1.79	3.62
Stocks/Bonds 20/80	2	20	80	0	-15.76	1.69	3.12	5.67	-0.30	02:59PM Nov 29 2022	2.73	0.51	8.52	6.34	4.99	4.61	-1.85	0.27	0.63	1.23	-16.57	-16.57	-16.57	-16.57	-0.95	0.10	0.19	0.34	-16.15	3.64	10.38	13.20	1.49	1.95	2.37	2.79
Emerging Markets Stocks	1	100	0	0	-31.25	-3.80	0.20	5.66	2.09	02:59PM Nov 29 2022	12.27	-1.98	11.99	17.60	16.23	23.02	-2.61	-0.22	0.01	0.25	-31.25	-36.52	-36.52	-60.44	-1.00	-0.10	0.01	0.09	-29.40	-3.61	17.03	18.20	0.74	1.89	1.68	3.19
Developed World ex-US 40/60	2	40	60	0	-16.74	0.29	3.03	5.66	0.30	02:59PM Nov 29 2022	5.51	2.52	10.12	8.03	6.75	7.34	-1.65	0.04	0.45	0.77	-18.78	-19.57	-19.57	-26.17	-0.89	0.01	0.15	0.22	-16.70	3.30	6.69	13.77	1.00	3.51	1.58	3.61
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	-9.70	2.66	2.73	5.62	-0.44	Nov 28 2022	1.68	1.81	8.14	5.62	4.63	4.73	-1.19	0.47	0.59	1.19	-12.16	-12.16	-12.16	-12.91	-0.80	0.22	0.22	0.44	-10.57	7.04	8.69	10.30	3.47	3.41	1.56	2.41
Developed World ex-US 80/20	2	80	20	0	-21.26	0.30	4.13	5.56	0.30	02:59PM Nov 29 2022	8.85	4.80	15.51	13.93	11.83	13.24	-1.37	0.02	0.35	0.42	-24.87	-25.24	-25.24	-47.74	-0.86	0.01	0.16	0.12	-20.98	8.88	8.72	19.67	1.29	3.48	2.00	3.64
LifeStrategy Income Fund Vanguard	4	20	80	0	-15.57	1.00	2.66	5.55	-0.07	02:59PM Nov 29 2022	3.26	0.59	7.99	5.94	4.77	4.52	-1.95	0.17	0.56	1.23	-16.30	-16.61	-16.61	-16.61	-0.96	0.06	0.16	0.33	-15.81	2.15	8.85	12.26	1.32	2.45	2.08	3.06
Developed World ex-US 20/80	2	20	80	0	-14.45	0.16	2.36	5.49	0.29	02:59PM Nov 29 2022	3.84	1.50	7.91	5.68	4.74	5.17	-1.83	0.03	0.50	1.06	-15.82	-16.80	-16.80	-16.80	-0.91	0.01	0.14	0.33	-14.56	0.51	5.67	10.82	0.86	3.53	1.37	3.59
US Inflation Protection	1	0	100	0	-12.43	1.79	0.80	5.47	-0.40	03:00PM Nov 29 2022	0.38	1.42	9.51	5.86	5.25	6.07	-1.31	0.31	0.15	0.90	-14.74	-14.74	-14.74	-14.74	-0.84	0.12	0.05	0.37	-13.52	5.67	10.84	8.35	5.49	4.41	1.29	1.88
All Country World Bonds	3	0	100	0	-15.78	-0.70	0.96	5.43	0.00	02:59PM Nov 29 2022	3.54	-0.41	6.71	5.21	4.37	4.44	-2.35	-0.14	0.22	1.22	-15.94	-17.60	-17.60	-17.60	-0.99	-0.04	0.05	0.31	-15.86	-2.06	6.30	9.49	1.51	2.83	2.27	3.47
Sheltered Sam 20/80 Bill Bernstein	12	19.4	80	0.6	-8.79	2.15	2.47	5.36	-0.04	03:00PM Nov 29 2022	1.28	1.90	6.89	4.75	3.86	4.07	-1.28	0.45	0.64	1.32	-11.24	-11.24	-11.24	-11.24	-0.78	0.19	0.22	0.48	-9.55	6.12	6.51	9.31	2.35	2.02	1.29	2.23
Edge Select Conservative Merrill Lynch	12	21	79	0	-10.83	1.72	2.94	5.28	-0.01	03:00PM Nov 29 2022	2.65	1.36	6.97	5.11	4.11	4.08	-1.55	0.34	0.71	1.30	-12.44	-12.44	-12.44	-12.44	-0.87	0.14	0.24	0.42	-11.25	3.46	6.74	11.07	1.10	1.51	1.56	2.79
Developed World ex-US Stocks	1	100	0	0	-23.51	0.19	4.56	5.26	0.31	02:59PM Nov 29 2022	10.53	6.08	18.46	17.17	14.59	16.53	-1.27	0.01	0.31	0.32	-27.89	-28.08	-28.08	-57.00	-0.84	0.01	0.16	0.09	-23.12	11.67	9.74	22.62	1.44	3.46	2.21	3.65
Robo Advisor 20 Betterment	12	19.9	80.1	0	-10.76	1.09	2.24	5.24	0.09	03:00PM Nov 29 2022	2.61	1.05	5.84	4.58	3.73	4.07	-1.84	0.24	0.60	1.29	-11.83	-12.16	-12.16	-12.16	-0.91	0.09	0.18	0.43	-10.91	2.61	6.01	9.57	1.19	1.60	1.58	2.70
Total Bond Developed World ex-US	1	0	100	0	-12.15	-0.04	1.61	5.17	0.29	02:59PM Nov 29 2022	2.16	0.54	6.42	4.47	3.81	4.57	-1.89	-0.01	0.42	1.13	-13.54	-14.88	-14.88	-14.88	-0.90	0.00	0.11	0.35	-12.42	-2.28	4.65	7.87	0.71	3.55	1.16	3.58
Gold	1	0	0	100	-8.84	4.71	-0.93	5.10	0.59	02:59PM Nov 29 2022	7.23	-1.78	9.55	12.93	14.58	15.40	-0.93	0.36	-0.06	0.33	-15.91	-18.08	-39.18	-42.91	-0.56	0.26	-0.02	0.12	-11.14	-4.15	24.81	17.86	0.00	0.00	0.00	0.00
10-year Treasury	1	0	100	0	-16.44	-0.75	0.38	5.00	-0.35	03:00PM Nov 29 2022	2.76	-1.46	8.03	6.47	5.93	6.69	-2.05	-0.12	0.06	0.75	-17.35	-21.22	-21.22	-21.22	-0.95	-0.04	0.02	0.24	-16.91	-3.33	10.01	8.03	1.09	0.80	1.18	2.22
Sheltered Sam 10/90 Bill Bernstein	12	9.7	90	0.3	-8.32	1.59	1.56	4.74	-0.10	03:00PM Nov 29 2022	0.85	1.16	5.65	3.60	3.00	3.37	-1.47	0.44	0.52	1.41	-9.93	-9.93	-9.93	-9.93	-0.84	0.16	0.16	0.48	-8.88	3.98	6.33	7.34	2.48	1.97	1.19	2.14
Conservative Income Charles Schwab	6	5	95	0	-10.62	0.83	1.28	4.51	-0.08	03:00PM Nov 29 2022	1.73	0.24	5.86	4.16	3.54	3.50	-1.81	0.20	0.36	1.29	-11.50	-11.50	-11.50	-11.50	-0.92	0.07	0.11	0.39	-11.29	2.43	5.45	8.37	2.14	2.26	1.91	2.80
Total Bond US	1	0	100	0	-15.59	-0.50	0.65	4.32	-0.30	02:59PM Nov 29 2022	2.94	-1.16	6.47	4.97	4.15	3.97	-2.41	-0.10	0.16	1.09	-15.77	-17.28	-17.28	-17.28	-0.99	-0.03	0.04	0.25	-15.51	-1.86	7.71	8.83	1.63	2.06	2.53	2.91
Robo Advisor 10 Betterment	12	9.9	90.1	0	-8.05	0.78	1.38	4.24	0.04	03:00PM Nov 29 2022	1.58	0.42	3.76	2.68	2.17	2.50	-2.14	0.29	0.64	1.70	-8.44	-8.91	-8.91	-8.91	-0.95	0.09	0.16	0.48	-8.00	0.88	4.71	6.61	0.96	1.05	1.36	2.45
Sheltered Sam 0/100 Bill Bernstein	2	0	100	0	-7.87	1.01	0.63	4.09	-0.16	03:00PM Nov 29 2022	0.41	0.45	4.61	2.95	2.57	3.22	-1.71	0.34	0.24	1.27	-8.61	-8.61	-8.61	-8.61	-0.91	0.12	0.07	0.48	-8.20	1.84	6.16	5.37	2.60	1.92	1.09	2.05
Robo Advisor 0 Betterment	2	0	100	0	-5.33	0.42	0.51	3.21	-0.02	03:00PM Nov 29 2022	0.55	-0.14	2.16	1.65	1.30	1.81	-2.47	0.26	0.39	1.77	-5.33	-5.86	-5.86	-5.86	-1.00	0.07	0.09	0.55	-5.09	-0.79	3.37	3.70	0.73	0.49	1.14	2.21
Short Term Treasury	1	0	100	0	-4.91	0.41	0.45	3.11	0.00	03:00PM Nov 29 2022	0.43	-0.13	1.95	1.55	1.20	1.81	-2.52	0.26	0.38	1.72	-4.91	-5.36	-5.36	-5.36	-1.00	0.08	0.08	0.58	-4.65	-0.72	3.03	3.38	0.67	0.26	0.96	2.17

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.

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How to Adult: Personal Finance for the Real World

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

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Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 31 October 2022.

The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 31 October 2022.

Swipe left to see all data

		% Allocation			Ann. Return (%) - Oct 31, 2022			Chg (%)		Return (%)		St.Dev. (%)			Ann. Return / St.Dev.			Max Drawdown (%)			Return / Drawdown			YTD(%)	Yearly Returns (%)			Dividend Yield (%)
Portfolio	#ETF	Stocks	Bonds	Comm	1Y	3Y	5Y ▾	Daily	Time(ET)	Nov 2022	Oct 2022	1Y	3Y	5Y	1Y	3Y	5Y	1Y	3Y	5Y	1Y	3Y	5Y	2022	2021	2020	2019	2022	2021	2020	2019
Cape US Sector Value Robert Shiller	1	100	0	0	-12.32	11.36	11.72	0.05	02:35PM Nov 29 2022	2.99	7.05	21.89	20.66	18.53	-0.56	0.55	0.63	-20.07	-21.00	-21.00	-0.61	0.54	0.56	-14.44	27.80	19.47	32.61	0.12	0.00	0.00	0.00
US Stocks Equal Weight	1	100	0	0	-10.03	10.44	9.63	0.20	02:59PM Nov 29 2022	4.01	9.65	21.53	22.42	19.84	-0.47	0.47	0.49	-20.69	-26.65	-26.65	-0.48	0.39	0.36	-13.04	29.41	12.71	28.91	1.23	1.64	1.83	2.16
Stocks/Bonds 60/40 with Bitcoin	3	59	39	2	-17.78	5.83	9.16	-0.27	02:59PM Nov 29 2022	1.88	4.15	14.61	14.65	13.32	-1.22	0.40	0.69	-21.45	-21.45	-21.45	-0.83	0.27	0.43	-18.19	15.60	21.52	23.43	1.19	1.69	2.00	2.49
Golden Butterfly with Bitcoin	6	40	40	20	-16.03	3.76	7.46	-0.06	03:00PM Nov 29 2022	3.02	2.97	10.91	11.05	10.56	-1.47	0.34	0.71	-18.74	-18.74	-18.74	-0.86	0.20	0.40	-16.33	10.61	19.54	19.56	0.79	1.03	1.09	1.81
US Stocks ESG	1	100	0	0	-20.73	9.32	7.41	-0.44	02:56PM Nov 29 2022	1.61	6.74	21.41	21.10	18.72	-0.97	0.44	0.40	-27.79	-27.79	-27.79	-0.75	0.34	0.27	-22.92	26.20	25.67	33.37	0.70	0.85	1.38	1.68
Stocks/Bonds 60/40 2x Leveraged	2	60	40	0	-31.96	3.71	7.34	-0.57	03:00PM Nov 29 2022	4.23	7.19	28.61	24.75	21.96	-1.12	0.15	0.33	-39.53	-39.53	-39.53	-0.81	0.09	0.19	-35.19	33.12	20.45	43.41	0.03	0.18	0.40	1.13
Stocks/Bonds 40/60 with Bitcoin	3	39	59	2	-17.55	3.17	7.17	-0.28	02:59PM Nov 29 2022	2.09	2.28	11.43	11.36	10.51	-1.54	0.28	0.68	-19.39	-19.39	-19.39	-0.91	0.16	0.37	-17.55	10.09	18.86	19.07	1.33	1.80	2.16	2.61
Desert Portfolio with Bitcoin Gyroscopic Investing	4	30	60	10	-14.26	3.20	6.97	-0.11	02:59PM Nov 29 2022	1.71	1.75	8.50	8.41	8.29	-1.68	0.38	0.84	-15.73	-15.73	-15.73	-0.91	0.20	0.44	-14.20	7.03	18.57	15.94	0.76	0.88	1.23	1.95
Ark Tech Portfolio Cathie Wood	4	100	0	0	-59.37	4.33	6.89	-0.70	03:00PM Nov 29 2022	-9.36	3.13	31.40	37.97	33.90	-1.89	0.11	0.20	-60.60	-64.72	-64.72	-0.98	0.07	0.11	-50.87	-18.06	149.52	35.21	0.00	1.03	2.88	1.23
Permanent Portfolio with Bitcoin Harry Browne	5	25	50	25	-16.38	2.29	6.88	-0.18	03:00PM Nov 29 2022	3.46	0.23	7.78	9.03	8.96	-2.10	0.25	0.77	-16.88	-16.88	-16.88	-0.97	0.14	0.41	-16.69	5.47	21.71	17.70	0.70	0.73	0.94	1.73
All Weather Portfolio with Bitcoin Ray Dalio	6	30	55	15	-21.06	1.36	6.43	-0.38	03:00PM Nov 29 2022	3.29	0.65	10.65	10.49	10.13	-1.98	0.13	0.63	-21.57	-21.57	-21.57	-0.98	0.06	0.30	-20.93	8.91	20.78	19.77	0.92	1.13	1.40	2.03
All Weather Portfolio 2x Leveraged Ray Dalio	5	37.5	55	7.5	-29.36	0.29	4.69	-0.79	03:00PM Nov 29 2022	8.16	8.98	27.21	20.81	18.36	-1.08	0.01	0.26	-36.33	-36.33	-36.33	-0.81	0.01	0.13	-30.61	19.72	19.68	34.09	0.14	0.32	0.37	1.45
Talmud Portfolio 2x Leveraged Roger Gibson	3	66.7	33.3	0	-34.84	-1.67	4.67	0.09	03:00PM Nov 29 2022	4.55	5.27	31.38	27.62	23.97	-1.11	-0.06	0.19	-42.70	-42.70	-42.70	-0.82	-0.04	0.11	-39.68	46.68	4.10	44.89	0.12	0.24	0.51	1.38
Stocks/Bonds 60/40 ESG	2	60	40	0	-18.41	4.31	4.52	-0.38	02:58PM Nov 29 2022	2.11	3.27	14.46	13.55	11.84	-1.27	0.32	0.38	-22.44	-22.44	-22.44	-0.82	0.19	0.20	-19.90	14.84	18.27	23.31	1.05	1.30	1.76	2.14
Stocks/Bonds 40/60 2x Leveraged	2	40	60	0	-31.75	-0.65	4.00	-0.54	03:00PM Nov 29 2022	4.62	3.54	22.98	18.44	16.09	-1.38	-0.04	0.25	-36.46	-36.46	-36.46	-0.87	-0.02	0.11	-34.21	19.46	19.91	33.39	0.02	0.18	0.47	1.28
Golden Butterfly 2x Leveraged	4	40	40	20	-29.16	-0.16	3.64	0.08	03:00PM Nov 29 2022	6.08	4.62	21.66	18.70	16.92	-1.35	-0.01	0.22	-34.50	-34.50	-34.50	-0.85	0.00	0.11	-31.47	16.84	19.29	32.73	0.03	0.11	0.31	0.90
Simplified Permanent Portfolio 2x Leveraged	3	25	50	25	-29.22	-2.02	3.07	-0.11	03:00PM Nov 29 2022	7.14	0.51	16.89	16.00	14.05	-1.73	-0.13	0.22	-31.96	-31.96	-31.96	-0.91	-0.06	0.10	-31.61	8.10	24.56	30.31	0.01	0.14	0.38	1.00
Desert Portfolio 2x Leveraged Gyroscopic Investing	3	30	60	10	-30.73	-2.09	2.93	-0.37	03:00PM Nov 29 2022	5.71	1.62	19.27	16.03	13.96	-1.59	-0.13	0.21	-34.04	-34.04	-34.04	-0.90	-0.06	0.09	-32.97	12.18	21.66	30.15	0.02	0.17	0.45	1.20
Stocks/Bonds 40/60 ESG	2	40	60	0	-17.32	1.66	2.90	-0.35	02:58PM Nov 29 2022	2.37	1.71	11.36	10.12	8.72	-1.52	0.16	0.33	-19.76	-19.76	-19.76	-0.88	0.08	0.15	-18.39	9.16	14.57	18.28	1.23	1.53	1.96	2.38
Developed World ex-US Stocks Momentum	1	100	0	0	-23.66	1.32	1.25	0.13	02:56PM Nov 29 2022	8.54	6.88	18.30	17.19	15.49	-1.29	0.08	0.08	-28.57	-28.57	-28.57	-0.83	0.05	0.04	-23.39	6.60	22.16	24.51	1.25	5.51	1.17	2.61
Developed World ex-US 60/40 Momentum	2	60	40	0	-19.08	-0.54	0.97	0.19	02:59PM Nov 29 2022	5.99	4.04	12.33	11.44	10.08	-1.55	-0.05	0.10	-22.23	-22.23	-22.23	-0.86	-0.02	0.04	-19.00	3.05	15.15	17.85	1.03	4.73	1.17	3.00
Developed World ex-US 40/60 Momentum	2	40	60	0	-16.78	-1.58	0.72	0.23	02:59PM Nov 29 2022	4.72	2.79	9.74	8.81	7.61	-1.72	-0.18	0.09	-19.07	-19.40	-19.40	-0.88	-0.08	0.04	-16.81	1.27	11.65	14.52	0.93	4.33	1.16	3.19

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