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.

Overall Live Risk Drawdown Years

Risk Filter

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Very High

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%
Portfolio returns are updated to 30 June 2022.

Live Jul 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 30 June 2022.

The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 30 June 2022.

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. 2022: 4.05%, 2021: 7.10%, 2020: 1.28%, 2019: 2.26%
For further details about Dividends, click here.

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			% Allocation			Ann. Return (%) - Jun 30, 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)	Jul 2022	Jun 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	-20.48	16.08	17.00	13.42	0.55	01:59PM Jul 05 2022	1.22	-8.91	21.83	19.64	16.41	23.63	-0.94	0.82	1.04	0.57	-29.33	-29.33	-29.33	-81.08	-0.70	0.55	0.58	0.17	-29.33	27.42	48.40	38.96	0.24	0.54	0.64	1.03
	US Stocks	1	100	0	0	-14.17	10.53	12.52	9.81	-0.84	01:59PM Jul 05 2022	0.21	-8.23	16.77	17.30	14.08	15.02	-0.84	0.61	0.89	0.65	-21.32	-21.32	-21.32	-50.84	-0.66	0.49	0.59	0.19	-21.32	25.67	21.03	30.67	0.60	1.51	1.71	2.29
	Warren Buffett Portfolio Warren Buffett	2	90	10	0	-11.72	10.24	11.71	9.38	-0.76	01:59PM Jul 05 2022	0.23	-7.40	15.79	15.28	12.40	13.19	-0.74	0.67	0.94	0.71	-19.61	-19.61	-19.61	-45.52	-0.60	0.52	0.60	0.21	-19.61	24.59	19.19	28.46	0.57	1.38	1.67	2.33
	Aggressive Global Income	4	80	20	0	-7.00	4.21	6.59	9.37	-1.91	02:00PM Jul 05 2022	-0.99	-7.36	11.48	13.70	11.61	13.98	-0.61	0.31	0.57	0.67	-10.76	-23.84	-23.84	-52.63	-0.65	0.18	0.28	0.18	-10.76	17.07	-1.13	19.97	1.52	3.67	3.52	4.21
	Stocks/Bonds 80/20	2	80	20	0	-13.08	8.77	10.43	9.06	-0.62	02:00PM Jul 05 2022	0.38	-6.85	14.14	14.07	11.41	12.01	-0.93	0.62	0.91	0.75	-19.13	-19.13	-19.13	-41.09	-0.68	0.46	0.55	0.22	-19.13	20.16	18.36	26.30	0.66	1.62	1.87	2.41
	Simple Path to Wealth JL Collins	2	75	25	0	-12.83	8.32	9.90	8.84	-0.56	02:00PM Jul 05 2022	0.42	-6.51	13.48	13.28	10.76	11.28	-0.95	0.63	0.92	0.78	-18.58	-18.58	-18.58	-38.53	-0.69	0.45	0.53	0.23	-18.58	18.79	17.70	25.21	0.67	1.65	1.92	2.45
	Mid-Fifties Burton Malkiel	8	80	20	0	-13.92	5.83	7.54	8.74	-1.35	02:00PM Jul 05 2022	-0.58	-6.55	12.65	13.22	10.95	12.58	-1.10	0.44	0.69	0.69	-18.04	-18.63	-18.63	-46.21	-0.77	0.31	0.40	0.19	-18.04	15.75	11.71	23.79	0.96	2.30	2.23	3.16
	Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	-14.70	4.84	8.29	8.68	-2.20	02:00PM Jul 05 2022	-1.61	-8.32	13.41	16.86	13.80	15.23	-1.10	0.29	0.60	0.57	-17.27	-27.54	-27.54	-57.21	-0.85	0.18	0.30	0.15	-17.27	19.37	6.40	23.62	1.24	2.79	2.06	3.37
	Yale Endowment David Swensen	6	70	30	0	-13.14	5.65	7.10	8.66	-0.90	02:00PM Jul 05 2022	0.17	-6.29	12.69	11.32	9.57	10.41	-1.04	0.50	0.74	0.83	-18.84	-18.84	-18.84	-39.48	-0.70	0.30	0.38	0.22	-18.84	17.53	12.03	22.65	1.14	2.65	2.12	2.91
	Late Thirties to Early Forties Burton Malkiel	8	85	15	0	-14.42	6.06	7.80	8.64	-1.40	02:00PM Jul 05 2022	-0.72	-6.73	12.77	13.74	11.41	13.21	-1.13	0.44	0.68	0.65	-18.21	-19.36	-19.36	-48.28	-0.79	0.31	0.40	0.18	-18.21	15.84	12.75	24.10	0.94	2.23	2.11	3.05
	Late Sixties and Beyond Burton Malkiel	8	71	29	0	-12.26	5.57	7.09	8.59	-1.22	02:00PM Jul 05 2022	-0.38	-5.98	12.04	12.03	9.93	11.27	-1.02	0.46	0.71	0.76	-16.89	-16.89	-16.89	-41.80	-0.73	0.33	0.42	0.21	-16.89	15.40	10.03	22.55	0.92	2.25	2.27	3.19
	Robo Advisor 100 Betterment	6	100	0	0	-14.85	6.44	8.97	8.58	-1.83	02:00PM Jul 05 2022	-1.24	-8.12	13.60	16.29	13.49	15.40	-1.09	0.40	0.66	0.56	-17.83	-24.14	-24.14	-54.55	-0.83	0.27	0.37	0.16	-17.83	18.02	12.47	25.35	1.04	2.34	1.94	2.89
	Talmud Portfolio Roger Gibson	3	66.7	33.3	0	-10.13	6.11	7.45	8.56	-0.74	02:00PM Jul 05 2022	0.46	-5.70	13.17	11.60	9.65	10.30	-0.77	0.53	0.77	0.83	-17.40	-17.40	-17.40	-40.17	-0.58	0.35	0.43	0.21	-17.40	21.44	8.02	22.79	0.83	2.37	2.63	3.16
	Mid-Twenties Burton Malkiel	8	87	13	0	-14.76	6.04	7.81	8.55	-1.42	02:00PM Jul 05 2022	-0.77	-6.82	12.83	13.98	11.62	13.54	-1.15	0.43	0.67	0.63	-18.36	-19.79	-19.79	-49.50	-0.80	0.31	0.39	0.17	-18.36	15.90	12.95	24.15	0.94	2.22	2.07	3.04
	Robo Advisor 90 Betterment	11	90.1	9.9	0	-14.64	6.04	8.39	8.49	-1.69	02:00PM Jul 05 2022	-1.08	-7.64	12.63	15.00	12.39	14.05	-1.16	0.40	0.68	0.60	-17.20	-22.15	-22.15	-50.07	-0.85	0.27	0.38	0.17	-17.20	16.04	12.42	23.85	0.87	2.36	1.94	2.92
	Edge Select Aggressive Merrill Lynch	12	84	16	0	-14.95	7.26	8.83	8.48	-1.04	02:00PM Jul 05 2022	-0.45	-6.77	12.54	13.86	11.49	12.83	-1.19	0.52	0.77	0.66	-18.39	-18.39	-18.39	-45.65	-0.81	0.39	0.48	0.19	-18.39	15.74	17.62	24.61	0.69	1.85	1.73	2.60
	Robo Advisor 80 Betterment	10	80	20	0	-14.38	5.46	7.67	8.34	-1.52	02:00PM Jul 05 2022	-0.88	-7.08	11.64	13.55	11.19	12.68	-1.24	0.40	0.69	0.66	-16.65	-19.91	-19.91	-45.47	-0.86	0.27	0.39	0.18	-16.65	13.94	11.77	22.23	0.90	2.47	1.97	2.99
	Lazy Portfolio David Swensen	6	70	30	0	-11.31	5.80	6.89	8.28	-1.06	02:00PM Jul 05 2022	-0.06	-5.85	11.49	11.17	9.34	10.43	-0.98	0.52	0.74	0.79	-16.36	-16.36	-16.36	-40.89	-0.69	0.35	0.42	0.20	-16.36	17.34	10.56	21.27	1.08	2.51	2.03	2.85
	Couch Potato Scott Burns	2	50	50	0	-9.44	7.03	7.28	8.25	-0.48	01:59PM Jul 05 2022	0.85	-5.56	10.43	9.72	7.92	8.33	-0.90	0.72	0.92	0.99	-15.18	-15.18	-15.18	-27.04	-0.62	0.46	0.48	0.31	-15.18	15.67	15.93	19.51	1.78	2.96	1.50	2.09
	Second Grader's Starter Paul Farrell	3	90	10	0	-14.83	7.40	9.34	8.25	-1.28	02:00PM Jul 05 2022	-0.58	-7.38	13.69	14.78	12.18	13.42	-1.08	0.50	0.77	0.61	-19.04	-19.32	-19.32	-48.52	-0.78	0.38	0.48	0.17	-19.04	17.70	16.72	25.83	0.79	2.09	1.94	2.78
	Robust Alpha Architect	8	70	20	10	-8.42	6.33	7.04	8.23	-2.34	02:00PM Jul 05 2022	-1.42	-7.46	12.27	12.98	10.46	10.98	-0.69	0.49	0.67	0.75	-12.65	-19.45	-19.45	-45.15	-0.67	0.33	0.36	0.18	-12.32	15.71	9.55	22.11	0.68	1.43	1.27	2.02
	Family Taxable Portfolio Ted Aronson	11	70	30	0	-15.77	4.99	6.99	8.22	-0.89	02:00PM Jul 05 2022	-0.15	-6.56	10.79	11.98	9.95	11.18	-1.46	0.42	0.70	0.74	-17.76	-17.76	-17.76	-38.46	-0.89	0.28	0.39	0.21	-17.76	11.93	14.59	19.91	1.08	2.47	1.80	2.63
	Core Four Rick Ferri	4	80	20	0	-13.56	6.63	8.36	8.16	-1.13	02:00PM Jul 05 2022	-0.33	-6.67	12.81	13.12	10.75	11.73	-1.06	0.51	0.78	0.70	-18.12	-18.12	-18.12	-44.44	-0.75	0.37	0.46	0.18	-18.12	17.18	13.93	24.04	0.81	2.20	2.14	2.91
	Stocks/Bonds 60/40	2	60	40	0	-12.15	6.92	8.28	8.15	-0.40	02:00PM Jul 05 2022	0.55	-5.51	11.53	10.95	8.83	9.15	-1.05	0.63	0.94	0.89	-16.93	-16.93	-16.93	-30.55	-0.72	0.41	0.49	0.27	-16.93	14.66	15.70	21.94	0.72	1.73	2.04	2.54
	Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	-14.12	6.33	7.74	8.03	-0.82	02:00PM Jul 05 2022	-0.16	-6.01	11.15	11.78	9.75	10.70	-1.27	0.54	0.79	0.75	-17.18	-17.18	-17.18	-38.23	-0.82	0.37	0.45	0.21	-17.18	12.88	16.02	22.30	0.71	1.82	1.86	2.71
	Jane Bryant Quinn Portfolio Jane Bryant Quinn	5	70	30	0	-12.29	6.10	7.64	7.99	-1.07	02:00PM Jul 05 2022	-0.11	-6.45	12.23	11.84	9.68	10.29	-1.00	0.51	0.79	0.78	-17.34	-17.34	-17.34	-39.55	-0.71	0.35	0.44	0.20	-17.34	16.85	12.52	22.28	1.05	2.50	2.13	2.84
	Four Funds Bogleheads	4	80	20	0	-13.95	6.70	8.30	7.96	-1.21	02:00PM Jul 05 2022	-0.45	-6.84	12.38	13.23	10.93	12.02	-1.13	0.51	0.76	0.66	-17.81	-17.81	-17.81	-44.08	-0.78	0.38	0.47	0.18	-17.81	15.70	15.71	23.60	1.02	2.38	1.89	2.73
	Gone Fishin' Portfolio Alexander Green	10	65	30	5	-14.58	4.72	6.27	7.96	-1.26	02:00PM Jul 05 2022	-0.60	-6.50	10.40	11.97	9.92	11.71	-1.40	0.39	0.63	0.68	-16.21	-17.18	-17.18	-43.02	-0.90	0.27	0.37	0.18	-16.21	11.58	12.37	19.76	1.09	2.60	2.16	2.90
	Coffee House Bill Schultheis	7	60	40	0	-11.04	4.93	6.82	7.96	-0.94	02:00PM Jul 05 2022	-0.04	-5.53	9.99	10.73	8.71	9.19	-1.11	0.46	0.78	0.87	-14.33	-15.36	-15.36	-33.93	-0.77	0.32	0.44	0.23	-14.33	15.24	7.45	18.99	0.84	2.31	2.25	2.89
	Golden Butterfly	5	40	40	20	-9.70	5.54	5.84	7.94	-0.64	02:00PM Jul 05 2022	0.04	-4.08	8.30	8.02	6.95	7.23	-1.17	0.69	0.84	1.10	-12.39	-12.39	-12.39	-14.81	-0.78	0.45	0.47	0.54	-12.39	9.35	13.93	18.03	0.41	1.03	1.09	1.81
	Three Funds Bogleheads	3	80	20	0	-14.39	6.49	8.27	7.84	-1.17	02:00PM Jul 05 2022	-0.49	-6.70	12.38	13.17	10.87	11.95	-1.16	0.49	0.76	0.66	-17.94	-17.94	-17.94	-43.68	-0.80	0.36	0.46	0.18	-17.94	14.95	15.39	23.65	0.81	2.15	2.02	2.84
	Vanguard LifeStrategy Growth Fund Vanguard	4	80	20	0	-14.46	6.35	8.19	7.79	-1.23	02:00PM Jul 05 2022	-0.58	-6.69	12.20	13.11	10.85	11.99	-1.19	0.48	0.75	0.65	-17.83	-17.83	-17.83	-44.18	-0.81	0.36	0.46	0.18	-17.83	14.57	15.01	23.41	0.79	2.27	1.95	2.91
	Pinwheel	8	65	25	10	-10.42	5.04	5.92	7.74	-1.35	02:00PM Jul 05 2022	-0.73	-5.18	9.71	10.48	8.79	10.13	-1.07	0.48	0.67	0.76	-13.42	-14.99	-14.99	-36.89	-0.78	0.34	0.39	0.21	-13.42	13.53	9.12	19.31	0.71	1.79	1.62	2.58
	No Brainer Portfolio Bill Bernstein	4	75	25	0	-12.65	5.82	7.76	7.73	-1.18	01:59PM Jul 05 2022	-0.61	-6.10	10.70	12.76	10.50	11.37	-1.18	0.46	0.74	0.68	-15.19	-18.24	-18.24	-40.40	-0.83	0.32	0.43	0.19	-15.19	15.39	11.61	19.82	0.59	1.74	1.53	2.49
	Robo Advisor 50 Betterment	10	49.9	50.1	0	-13.44	3.62	5.43	7.71	-1.01	02:00PM Jul 05 2022	-0.26	-5.37	8.79	9.46	7.84	8.95	-1.53	0.38	0.69	0.86	-14.95	-14.95	-14.95	-30.72	-0.90	0.24	0.36	0.25	-14.95	7.95	9.50	17.41	1.08	2.80	2.06	3.20
	Five Asset Roger Gibson	6	60	20	20	-2.13	7.44	6.24	7.69	-2.44	02:00PM Jul 05 2022	-1.64	-6.57	11.59	12.05	9.88	10.94	-0.18	0.62	0.63	0.70	-8.71	-19.30	-19.30	-44.75	-0.24	0.39	0.32	0.17	-8.25	22.77	5.29	20.35	0.69	2.16	1.93	3.02
	Marc Faber Portfolio Marc Faber	6	50	25	25	-7.53	5.75	5.20	7.67	-1.33	02:00PM Jul 05 2022	-0.58	-4.53	10.70	9.53	8.46	9.23	-0.70	0.60	0.61	0.83	-13.08	-13.08	-13.08	-28.82	-0.58	0.44	0.40	0.27	-13.08	12.98	11.15	20.49	0.67	1.94	2.02	2.52
	All Weather Portfolio Ray Dalio	5	30	55	15	-9.36	5.36	5.04	7.67	-0.30	02:00PM Jul 05 2022	0.64	-3.99	9.11	7.45	6.57	6.83	-1.03	0.72	0.77	1.12	-13.67	-13.67	-13.67	-13.67	-0.68	0.39	0.37	0.56	-13.67	8.08	14.68	18.22	0.50	1.13	1.40	2.03
	Perfect Portfolio Ben Stein	7	80	20	0	-9.93	6.40	7.57	7.65	-1.48	02:00PM Jul 05 2022	-0.96	-6.86	11.61	12.93	10.68	12.02	-0.85	0.50	0.71	0.64	-13.65	-18.62	-18.62	-44.81	-0.73	0.34	0.41	0.17	-13.65	16.52	10.46	21.12	0.73	1.92	1.69	2.89
	Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	-11.26	5.68	6.43	7.64	-0.88	02:00PM Jul 05 2022	0.06	-5.56	9.67	9.72	8.08	8.86	-1.16	0.58	0.80	0.86	-15.03	-15.03	-15.03	-31.78	-0.75	0.38	0.43	0.24	-15.03	12.36	13.87	18.74	1.43	2.87	1.63	2.52
	Coward's Portfolio Bill Bernstein	10	60	40	0	-10.54	4.97	6.65	7.60	-1.02	02:00PM Jul 05 2022	-0.31	-5.38	9.31	10.40	8.49	9.11	-1.13	0.48	0.78	0.83	-13.12	-15.13	-15.13	-33.85	-0.80	0.33	0.44	0.22	-13.12	13.47	8.12	18.34	0.67	1.73	1.81	2.75
	Margaritaville Scott Burns	3	67	33	0	-12.53	5.75	6.71	7.53	-1.21	01:59PM Jul 05 2022	-0.33	-6.28	10.55	11.23	9.43	10.46	-1.19	0.51	0.71	0.72	-15.97	-15.97	-15.97	-38.70	-0.78	0.36	0.42	0.19	-15.97	13.33	14.40	20.39	1.55	3.04	1.73	2.62
	Sandwich Portfolio Bob Clyatt	8	55	45	0	-12.04	4.30	5.80	7.50	-0.82	02:00PM Jul 05 2022	-0.14	-4.62	8.50	8.69	7.21	7.95	-1.42	0.50	0.80	0.94	-14.12	-14.12	-14.12	-28.96	-0.85	0.30	0.41	0.26	-14.12	9.88	10.59	16.81	0.62	1.55	1.53	2.61
	Edge Select Moderate Merrill Lynch	12	53	47	0	-13.29	5.15	6.44	7.47	-0.60	02:00PM Jul 05 2022	0.13	-5.13	9.50	9.58	7.90	8.50	-1.40	0.54	0.81	0.88	-15.67	-15.67	-15.67	-29.58	-0.85	0.33	0.41	0.25	-15.67	9.66	13.88	19.44	0.71	1.77	1.93	2.80
	Simple Money Portfolio Tim Maurer	7	60	40	0	-11.64	3.53	5.91	7.45	-1.38	02:00PM Jul 05 2022	-0.70	-5.73	8.86	9.95	8.25	8.70	-1.31	0.35	0.72	0.86	-12.86	-14.55	-14.55	-32.39	-0.90	0.24	0.41	0.23	-12.84	10.46	6.87	16.14	0.98	1.99	1.57	2.95
	Ultimate Buy&Hold FundAdvice	12	60	40	0	-10.88	3.56	5.55	7.43	-1.28	02:00PM Jul 05 2022	-0.57	-5.24	8.55	9.73	8.11	8.92	-1.27	0.37	0.68	0.83	-12.58	-15.07	-15.07	-34.23	-0.86	0.24	0.37	0.22	-12.58	11.49	5.84	16.24	1.13	2.22	1.73	2.84
	Dynamic 60/40 Income	5	60	40	0	-9.55	4.32	5.83	7.32	-0.75	02:00PM Jul 05 2022	0.22	-5.55	10.60	9.80	7.90	8.95	-0.90	0.44	0.74	0.82	-14.74	-14.74	-14.74	-41.44	-0.65	0.29	0.40	0.18	-14.74	15.27	6.26	18.59	1.05	2.81	3.17	4.05
	GAA Global Asset Allocation Mebane Faber	10	40.5	49.5	10	-11.04	4.56	5.06	7.28	-0.97	02:00PM Jul 05 2022	-0.14	-5.04	9.16	8.45	7.14	7.55	-1.21	0.54	0.71	0.97	-14.15	-14.15	-14.15	-24.91	-0.78	0.32	0.36	0.29	-14.15	8.69	11.18	19.10	0.74	2.20	1.86	2.90
	Big Rocks Portfolio Larry Swedroe	11	60	40	0	-8.91	4.36	6.16	7.28	-1.17	02:00PM Jul 05 2022	-0.57	-5.09	8.52	10.03	8.23	8.82	-1.05	0.43	0.75	0.82	-11.17	-15.63	-15.63	-33.80	-0.80	0.28	0.39	0.22	-11.17	13.59	5.25	15.98	0.73	1.65	1.57	2.72
	Vanguard LifeStrategy Moderate Growth Vanguard	4	60	40	0	-13.28	5.09	6.66	7.26	-0.88	02:00PM Jul 05 2022	-0.21	-5.41	9.96	10.18	8.40	9.12	-1.33	0.50	0.79	0.80	-15.92	-15.92	-15.92	-33.52	-0.83	0.32	0.42	0.22	-15.92	10.43	12.96	19.70	0.78	2.33	1.99	2.96
	Ivy Portfolio Mebane Faber	5	60	20	20	-1.04	7.06	5.66	7.24	-2.43	02:00PM Jul 05 2022	-1.48	-6.66	11.80	12.87	10.44	11.24	-0.09	0.55	0.54	0.64	-8.60	-21.77	-21.77	-47.39	-0.12	0.32	0.26	0.15	-6.91	22.27	2.25	21.16	0.72	2.07	2.02	2.63
	Dynamic 40/60 Income	5	40	60	0	-12.54	2.75	4.56	7.21	-0.61	02:00PM Jul 05 2022	0.29	-5.30	8.77	8.54	6.74	7.79	-1.43	0.32	0.68	0.92	-14.69	-14.69	-14.69	-29.84	-0.85	0.19	0.31	0.24	-14.69	6.72	8.28	15.91	1.19	2.85	3.24	4.21
	7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	-2.43	5.96	4.91	7.13	-1.95	02:00PM Jul 05 2022	-1.17	-5.51	9.23	10.64	8.69	9.52	-0.26	0.56	0.56	0.75	-6.76	-17.90	-17.90	-37.96	-0.36	0.33	0.27	0.19	-5.81	16.41	3.64	17.04	0.52	1.33	1.34	2.13
	Ideal Index Frank Armstrong	7	70	30	0	-10.63	4.59	6.34	7.11	-1.41	02:00PM Jul 05 2022	-0.88	-5.62	9.63	11.19	9.26	10.36	-1.10	0.41	0.68	0.69	-12.94	-17.16	-17.16	-40.11	-0.82	0.27	0.37	0.18	-12.94	13.98	6.95	17.96	0.71	1.94	1.75	2.83
	Simplified Permanent Portfolio	3	25	50	25	-7.95	5.13	4.30	7.11	-0.47	02:00PM Jul 05 2022	0.31	-2.78	7.48	6.47	6.16	6.51	-1.06	0.79	0.70	1.09	-10.97	-10.97	-10.97	-13.28	-0.72	0.47	0.39	0.54	-10.97	3.72	16.46	16.15	0.41	0.78	1.02	1.68
	Stocks/Bonds 40/60	2	40	60	0	-11.38	4.99	6.06	7.10	-0.18	02:00PM Jul 05 2022	0.72	-4.19	8.99	8.00	6.43	6.51	-1.27	0.62	0.94	1.09	-14.74	-14.74	-14.74	-19.17	-0.77	0.34	0.41	0.37	-14.74	9.15	13.04	17.57	0.77	1.84	2.20	2.66
	Rob Arnott Portfolio Rob Arnott	8	30	60	10	-7.44	4.60	4.43	7.04	-1.09	02:00PM Jul 05 2022	-0.12	-4.74	8.13	7.36	6.32	6.76	-0.92	0.63	0.70	1.04	-11.39	-11.39	-11.39	-24.27	-0.65	0.40	0.39	0.29	-11.39	11.04	7.98	16.67	0.90	2.57	1.88	3.13
	High Yield Bonds Income	4	0	100	0	-17.31	0.50	2.73	6.91	-0.44	02:00PM Jul 05 2022	0.69	-6.40	9.03	9.08	7.61	8.43	-1.92	0.05	0.36	0.82	-18.26	-18.26	-18.26	-23.97	-0.95	0.03	0.15	0.29	-17.78	0.88	7.08	16.98	1.67	3.76	4.38	5.32
	Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	-12.18	4.00	5.16	6.81	-0.39	02:00PM Jul 05 2022	0.37	-4.21	7.82	7.33	6.06	6.39	-1.56	0.55	0.85	1.07	-13.99	-13.99	-13.99	-20.48	-0.87	0.29	0.37	0.33	-13.99	6.44	11.65	16.41	0.69	1.84	1.95	2.92
	Desert Portfolio Gyroscopic Investing	3	30	60	10	-8.22	4.67	4.74	6.80	-0.36	02:00PM Jul 05 2022	0.44	-2.92	6.49	5.57	4.76	5.18	-1.27	0.84	1.00	1.31	-10.69	-10.69	-10.69	-10.69	-0.77	0.44	0.44	0.64	-10.69	5.76	12.96	14.41	0.39	0.88	1.23	1.95
	Paul Boyer Portfolio Paul Boyer	5	25	50	25	-10.70	3.55	2.94	6.76	-0.53	02:00PM Jul 05 2022	-0.17	-2.51	6.05	6.57	6.46	7.17	-1.77	0.54	0.46	0.94	-11.25	-11.30	-11.30	-13.66	-0.95	0.31	0.26	0.49	-11.10	0.51	15.04	13.97	0.37	0.90	1.04	1.80
	Lifepath Fund iShares	6	40.4	59.6	0	-11.52	4.13	5.13	6.73	-0.49	02:00PM Jul 05 2022	0.34	-4.31	8.24	7.64	6.25	6.56	-1.40	0.54	0.82	1.03	-14.06	-14.06	-14.06	-21.23	-0.82	0.29	0.36	0.32	-14.06	8.05	11.47	16.20	1.02	2.31	2.15	2.76
	Permanent Portfolio Harry Browne	4	25	50	25	-7.43	5.19	4.32	6.64	-0.37	02:00PM Jul 05 2022	0.13	-2.62	7.70	6.74	6.33	6.22	-0.96	0.77	0.68	1.07	-11.14	-11.14	-11.14	-12.63	-0.67	0.47	0.39	0.53	-11.14	4.21	16.10	16.17	0.33	0.73	0.94	1.73
	Vanguard LifeStrategy Conservative Growth Vanguard	4	40	60	0	-12.19	3.75	5.06	6.59	-0.54	02:00PM Jul 05 2022	0.16	-4.14	7.81	7.42	6.12	6.47	-1.56	0.51	0.83	1.02	-14.02	-14.02	-14.02	-21.90	-0.87	0.27	0.36	0.30	-14.02	6.29	10.90	15.98	0.76	2.39	2.03	3.01
	Larry Portfolio Larry Swedroe	4	30	70	0	-10.92	1.95	3.29	6.57	-0.46	02:00PM Jul 05 2022	0.26	-2.80	4.82	5.11	4.44	5.29	-2.27	0.38	0.74	1.24	-10.92	-11.14	-11.14	-11.47	-1.00	0.17	0.30	0.57	-9.65	3.41	6.44	10.64	0.57	1.20	1.29	2.32
	European Stocks	1	100	0	0	-18.43	2.45	5.80	6.55	-3.69	02:00PM Jul 05 2022	-3.62	-9.93	16.32	17.72	15.43	17.44	-1.13	0.14	0.38	0.38	-21.34	-25.65	-25.65	-59.77	-0.86	0.10	0.23	0.11	-20.89	16.88	6.11	24.86	1.74	3.49	2.85	3.99
	All Country World 80/20	4	80	20	0	-14.92	5.92	7.68	6.55	-1.29	02:00PM Jul 05 2022	-0.63	-6.94	12.45	13.35	11.08	12.38	-1.20	0.44	0.69	0.53	-18.17	-18.17	-18.17	-47.32	-0.82	0.33	0.42	0.14	-18.17	14.21	14.55	23.35	0.80	2.27	1.98	3.01
	Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	-11.26	4.88	6.45	6.55	-1.25	01:59PM Jul 05 2022	-0.72	-5.66	10.09	10.47	8.78	9.67	-1.12	0.47	0.73	0.68	-14.36	-14.36	-14.36	-36.42	-0.78	0.34	0.45	0.18	-14.36	12.14	10.55	18.69	0.91	1.80	1.64	2.72
	All Country World 60/40	4	60	40	0	-14.03	4.69	6.29	6.54	-0.98	02:00PM Jul 05 2022	-0.28	-5.76	10.33	10.62	8.79	9.69	-1.36	0.44	0.72	0.68	-16.54	-16.54	-16.54	-36.70	-0.85	0.28	0.38	0.18	-16.54	10.14	12.48	19.89	0.81	2.41	2.05	3.13
	All Country World Stocks	1	100	0	0	-15.87	7.09	9.01	6.39	-1.60	01:59PM Jul 05 2022	-0.98	-8.14	14.59	16.19	13.47	15.25	-1.09	0.44	0.67	0.42	-19.80	-22.15	-22.15	-57.06	-0.80	0.32	0.41	0.11	-19.80	18.27	16.61	26.82	0.80	2.13	1.91	2.90
	All Country World 40/60	4	40	60	0	-13.22	3.38	4.85	6.39	-0.66	02:00PM Jul 05 2022	0.08	-4.59	8.28	8.05	6.66	7.24	-1.60	0.42	0.73	0.88	-14.92	-14.92	-14.92	-25.16	-0.89	0.23	0.33	0.25	-14.92	6.07	10.42	16.42	0.81	2.55	2.13	3.24
	All Country World 20/80	4	20	80	0	-12.49	2.00	3.35	6.10	-0.35	02:00PM Jul 05 2022	0.43	-3.45	6.39	5.85	4.89	5.26	-1.95	0.34	0.68	1.16	-13.77	-13.77	-13.77	-14.04	-0.91	0.14	0.24	0.43	-13.29	2.00	8.36	12.96	0.82	2.69	2.20	3.36
	Emerging Markets Stocks	1	100	0	0	-25.55	1.56	2.33	6.09	-1.73	02:00PM Jul 05 2022	-2.34	-5.14	10.27	17.08	15.85	22.99	-2.49	0.09	0.15	0.26	-25.55	-29.69	-30.19	-60.44	-1.00	0.05	0.08	0.10	-17.20	-3.61	17.03	18.20	0.74	1.89	1.68	3.19
	Stocks/Bonds 20/80	2	20	80	0	-10.80	2.96	3.77	5.93	0.04	02:00PM Jul 05 2022	0.89	-2.91	6.67	5.50	4.46	4.43	-1.62	0.54	0.84	1.34	-12.54	-12.54	-12.54	-12.54	-0.86	0.24	0.30	0.47	-12.54	3.64	10.38	13.20	0.83	1.95	2.37	2.79
	US Inflation Protection	1	0	100	0	-5.27	3.04	1.57	5.80	-0.12	01:59PM Jul 05 2022	1.49	-3.11	5.62	4.29	4.46	5.90	-0.94	0.71	0.35	0.98	-9.04	-9.04	-9.24	-11.79	-0.58	0.34	0.17	0.49	-9.04	5.67	10.84	8.35	2.95	4.41	1.29	1.88
	Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	-5.64	3.56	3.23	5.79	0.89	Jul 01 2022	0.89	-3.35	5.37	4.63	4.06	4.57	-1.05	0.77	0.80	1.27	-8.69	-8.69	-8.69	-12.91	-0.65	0.41	0.37	0.45	-8.69	7.04	8.69	10.30	1.82	3.41	1.56	2.41
	Developed World ex-US 40/60	2	40	60	0	-13.17	1.84	3.99	5.79	-1.27	01:59PM Jul 05 2022	-0.81	-4.66	6.86	7.11	6.22	7.20	-1.92	0.26	0.64	0.80	-14.36	-14.36	-14.36	-26.17	-0.92	0.13	0.28	0.22	-13.47	3.30	6.69	13.77	0.70	3.51	1.58	3.61
	Vanguard LifeStrategy Income Fund Vanguard	4	20	80	0	-11.19	2.33	3.41	5.79	-0.19	02:00PM Jul 05 2022	0.53	-2.90	5.90	5.10	4.26	4.36	-1.90	0.46	0.80	1.33	-12.44	-12.44	-12.44	-12.44	-0.90	0.19	0.27	0.47	-12.11	2.15	8.85	12.26	0.75	2.45	2.08	3.06
	Developed World ex-US 60/40	2	60	40	0	-14.79	2.22	4.69	5.78	-1.86	01:59PM Jul 05 2022	-1.48	-6.15	9.07	9.91	8.63	10.02	-1.63	0.22	0.54	0.58	-16.08	-16.08	-16.08	-37.49	-0.92	0.14	0.29	0.15	-15.29	6.09	7.71	16.72	0.86	3.50	1.79	3.62
	All Country World Bonds	3	0	100	0	-11.86	0.53	1.79	5.69	-0.04	02:00PM Jul 05 2022	0.78	-2.32	4.97	4.54	3.99	4.32	-2.39	0.12	0.45	1.32	-12.90	-13.49	-13.49	-13.49	-0.92	0.04	0.13	0.42	-11.66	-2.06	6.30	9.49	0.82	2.83	2.27	3.47
	Developed World ex-US 20/80	2	20	80	0	-11.57	1.37	3.20	5.65	-0.68	01:59PM Jul 05 2022	-0.14	-3.18	5.01	4.76	4.23	5.04	-2.31	0.29	0.76	1.12	-12.69	-12.69	-12.69	-15.55	-0.91	0.11	0.25	0.36	-11.66	0.51	5.67	10.82	0.53	3.53	1.37	3.59
	Developed World ex-US 80/20	2	80	20	0	-16.42	2.51	5.32	5.61	-2.45	01:59PM Jul 05 2022	-2.15	-7.66	11.41	12.92	11.22	13.13	-1.44	0.19	0.47	0.43	-17.81	-19.27	-19.27	-47.74	-0.92	0.13	0.28	0.12	-17.10	8.88	8.72	19.67	1.03	3.48	2.00	3.64
	Edge Select Conservative Merrill Lynch	12	21	79	0	-8.20	2.63	3.44	5.43	-0.29	02:00PM Jul 05 2022	0.32	-2.70	4.93	4.43	3.69	3.95	-1.66	0.60	0.93	1.38	-9.20	-9.20	-9.20	-10.97	-0.89	0.29	0.37	0.49	-9.20	3.46	6.74	11.07	0.54	1.51	1.56	2.79
	Gold	1	0	0	100	1.71	7.38	0.82	5.43	-2.25	01:59PM Jul 05 2022	-2.33	-1.57	9.45	12.88	14.66	15.42	0.18	0.57	0.06	0.35	-6.75	-13.74	-40.97	-42.91	0.25	0.54	0.02	0.13	-1.46	-4.15	24.81	17.86	0.00	0.00	0.00	0.00
	10-year Treasury	1	0	100	0	-10.48	0.76	1.17	5.42	0.60	02:00PM Jul 05 2022	1.67	-0.86	6.21	5.74	5.52	6.61	-1.69	0.13	0.21	0.82	-12.23	-15.19	-15.19	-15.19	-0.86	0.05	0.08	0.36	-10.56	-3.33	10.01	8.03	0.51	0.80	1.18	2.22
	Robo Advisor 20 Betterment	12	19.9	80.1	0	-8.18	2.04	2.74	5.41	-0.40	02:00PM Jul 05 2022	0.14	-2.59	4.23	4.04	3.40	3.98	-1.94	0.51	0.81	1.36	-8.89	-8.89	-8.89	-9.97	-0.92	0.23	0.31	0.54	-8.55	2.61	6.01	9.57	0.66	1.60	1.58	2.70
	Total Bond Developed World ex-US	1	0	100	0	-10.00	0.81	2.34	5.36	-0.10	01:59PM Jul 05 2022	0.54	-1.72	4.16	3.71	3.42	4.47	-2.40	0.22	0.68	1.20	-11.32	-11.90	-11.90	-11.90	-0.88	0.07	0.20	0.45	-9.84	-2.28	4.65	7.87	0.36	3.55	1.16	3.58
	Developed World ex-US Stocks	1	100	0	0	-18.07	2.71	5.87	5.27	-3.03	01:59PM Jul 05 2022	-2.82	-9.19	13.80	16.06	13.92	16.43	-1.31	0.17	0.42	0.32	-19.54	-24.14	-24.14	-57.00	-0.92	0.11	0.24	0.09	-18.92	11.67	9.74	22.62	1.20	3.46	2.21	3.65
	Conservative Income Charles Schwab	6	5	95	0	-6.63	1.67	1.78	4.73	-0.04	02:00PM Jul 05 2022	0.75	-2.10	4.05	3.43	3.14	3.38	-1.64	0.49	0.57	1.40	-8.22	-8.22	-8.22	-8.22	-0.81	0.20	0.22	0.58	-8.22	2.43	5.45	8.37	1.10	2.26	1.91	2.80
	Total Bond US	1	0	100	0	-10.42	0.84	1.40	4.63	0.26	02:00PM Jul 05 2022	1.06	-1.66	5.02	4.29	3.74	3.84	-2.08	0.20	0.37	1.21	-11.46	-12.23	-12.23	-12.23	-0.91	0.07	0.11	0.38	-10.35	-1.86	7.71	8.83	0.89	2.06	2.53	2.91
	Robo Advisor 10 Betterment	12	9.9	90.1	0	-6.02	1.46	1.74	4.40	-0.18	02:00PM Jul 05 2022	0.25	-1.59	2.71	2.27	1.92	2.45	-2.22	0.64	0.91	1.80	-6.46	-6.46	-6.46	-6.46	-0.93	0.23	0.27	0.68	-5.92	0.88	4.71	6.61	0.47	1.05	1.36	2.45
	Robo Advisor 0 Betterment	2	0	100	0	-3.88	0.83	0.73	3.36	0.03	01:59PM Jul 05 2022	0.36	-0.65	1.78	1.46	1.18	1.82	-2.18	0.57	0.62	1.85	-4.08	-4.08	-4.08	-4.08	-0.95	0.20	0.18	0.82	-3.30	-0.79	3.37	3.70	0.28	0.49	1.14	2.21
	Short Term Treasury	1	0	100	0	-3.55	0.78	0.65	3.26	0.01	01:59PM Jul 05 2022	0.31	-0.59	1.65	1.39	1.10	1.82	-2.15	0.56	0.59	1.79	-3.71	-3.71	-3.71	-3.71	-0.96	0.21	0.17	0.88	-2.99	-0.72	3.03	3.38	0.23	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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