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.

Choose a Lazy Portfolio Type:

Last Update - 31 October 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.

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		% Allocation			Ann. Returns (%)				St.Dev. (%)				Ann. Return / St.Dev.				Max Drawdown (%)				Return / Drawdown				YTD(%)	Yearly Returns (%)					Dividend Yield (%) of the year
Portfolio	#ETF	Stocks	Bonds	Comm.	1Y	5Y	10Y	25Y ▾	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	2021	2020	2019	2018	2017	2016	2021	2020	2019	2018	2017	2016
Technology	1	100	0	0	+44.10	+27.94	+22.09	+13.56	15.07	17.02	15.42	24.76	2.93	1.64	1.43	0.55	-5.68	-16.96	-16.96	-81.08	7.76	14.32	37.50	28.40	+23.50	+48.40	+38.96	-0.12	+32.66	+7.10	0.38	0.64	1.03	0.91	1.10	1.13
US Stocks	1	100	0	0	+43.80	+18.93	+16.10	+10.01	13.16	15.68	13.40	15.74	3.33	1.21	1.20	0.64	-4.46	-20.84	-20.84	-50.84	9.82	6.62	16.54	19.40	+22.88	+21.03	+30.67	-5.21	+21.21	+12.83	1.07	1.71	2.29	1.91	2.05	2.14
Warren Buffett	2	90	10	0	+38.28	+17.59	+14.84	+9.47	11.86	13.70	11.74	13.77	3.23	1.28	1.26	0.69	-4.32	-17.49	-17.49	-45.53	8.86	7.13	17.09	18.92	+21.16	+19.19	+28.46	-3.84	+19.83	+10.69	0.98	1.67	2.33	1.95	2.00	2.03
Aggressive Global Income	4	80	20	0	+30.31	+8.38	+8.18	+9.31	11.12	12.84	11.52	14.81	2.73	0.65	0.71	0.63	-3.13	-23.84	-23.84	-52.62	9.68	2.08	5.01	15.71	+14.01	-1.13	+19.97	-8.07	+13.53	+18.29	2.55	3.52	4.21	3.93	3.98	4.60
Stocks/Bonds 80/20	2	80	20	0	+34.26	+15.82	+13.54	+9.28	10.94	12.59	10.76	12.50	3.13	1.26	1.26	0.74	-3.88	-16.53	-16.53	-41.09	8.83	6.56	15.49	19.95	+17.95	+18.36	+26.30	-4.19	+17.68	+10.77	1.14	1.87	2.41	2.08	2.16	2.22
Simple Path to Wealth JL Collins	2	75	25	0	+31.93	+15.03	+12.89	+9.07	10.38	11.83	10.11	11.71	3.08	1.27	1.27	0.77	-3.72	-15.47	-15.47	-38.54	8.58	6.56	15.27	20.15	+16.72	+17.70	+25.21	-3.94	+16.80	+10.25	1.16	1.92	2.45	2.13	2.19	2.24
Yale Endowment David Swensen	6	70	30	0	+27.86	+11.36	+9.98	+9.07	9.71	9.88	8.93	10.73	2.87	1.15	1.12	0.85	-3.85	-13.19	-13.19	-39.46	7.24	5.41	12.04	19.67	+14.68	+12.03	+22.65	-6.20	+14.99	+7.39	1.76	2.12	2.91	2.73	2.83	2.84
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	+29.20	+11.02	+10.17	+8.97	9.41	10.23	9.05	10.69	3.10	1.08	1.12	0.84	-3.93	-15.15	-15.15	-40.18	7.43	4.53	10.78	18.84	+17.33	+8.02	+22.79	-3.78	+9.90	+7.99	1.59	2.63	3.16	3.00	2.99	3.25
Mid-Fifties Burton Malkiel	8	80	20	0	+28.91	+12.05	+10.16	+8.92	10.54	11.94	10.57	13.10	2.74	1.01	0.96	0.68	-3.95	-18.64	-18.64	-46.21	7.32	4.11	8.75	16.16	+13.46	+11.71	+23.79	-7.10	+19.19	+8.92	1.35	2.23	3.16	2.70	2.82	2.87
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+41.15	+11.83	+10.78	+8.89	13.60	15.70	13.64	16.04	3.03	0.75	0.79	0.55	-3.53	-27.54	-27.54	-57.21	11.66	2.72	6.48	12.95	+17.87	+6.40	+23.62	-11.86	+21.78	+12.36	1.56	2.06	3.37	2.53	2.89	2.80
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	+30.36	+12.58	+10.43	+8.80	10.93	12.47	11.08	13.77	2.78	1.01	0.94	0.64	-3.97	-19.37	-19.37	-48.28	7.65	4.18	8.76	14.98	+13.85	+12.75	+24.10	-7.61	+20.64	+8.99	1.25	2.11	3.05	2.54	2.69	2.70
Late Sixties and Beyond Burton Malkiel	8	71	29	0	+26.15	+11.08	+9.54	+8.77	9.69	10.79	9.50	11.74	2.70	1.03	1.00	0.75	-3.79	-16.82	-16.82	-41.80	6.90	4.11	8.84	17.20	+12.73	+10.03	+22.55	-5.90	+16.49	+8.48	1.39	2.27	3.19	2.81	2.83	2.91
Mid-Twenties Burton Malkiel	8	87	13	0	+31.06	+12.69	+10.46	+8.71	11.10	12.71	11.33	14.12	2.80	1.00	0.92	0.62	-3.98	-19.80	-19.80	-49.50	7.80	4.13	8.61	14.26	+14.06	+12.95	+24.15	-7.95	+21.11	+8.95	1.22	2.07	3.04	2.50	2.67	2.66
Edge Select Aggressive Merrill Lynch	12	84	16	0	+31.06	+14.28	+11.53	+8.60	10.74	12.55	11.17	13.43	2.89	1.14	1.03	0.64	-3.70	-17.65	-17.65	-45.64	8.39	5.38	11.21	15.06	+14.32	+17.62	+24.61	-6.88	+21.70	+9.21	1.12	1.73	2.60	2.10	2.29	2.23
Robo Advisor 100 Betterment	6	100	0	0	+38.08	+13.70	+11.56	+8.56	13.04	15.05	13.30	16.15	2.92	0.91	0.87	0.53	-3.75	-24.13	-24.13	-54.55	10.15	3.73	8.22	12.46	+16.66	+12.47	+25.35	-10.13	+23.37	+11.17	1.23	1.94	2.89	2.23	2.46	2.40
Lazy Portfolio David Swensen	6	70	30	0	+27.75	+10.92	+9.30	+8.54	8.96	9.97	8.95	10.83	3.10	1.10	1.04	0.79	-3.57	-14.65	-14.65	-40.88	7.77	4.64	9.78	16.54	+14.64	+10.56	+21.27	-5.67	+13.94	+7.74	1.67	2.03	2.85	2.63	2.65	2.65
Robo Advisor 90 Betterment	11	90.1	9.9	0	+34.14	+12.83	+10.89	+8.51	11.90	13.81	12.17	14.71	2.87	0.93	0.89	0.58	-3.56	-22.15	-22.15	-50.07	9.59	3.74	8.18	13.40	+14.87	+12.42	+23.85	-9.42	+21.88	+10.80	1.33	1.94	2.92	2.31	2.56	2.43
Second Grader's Starter Paul Farrell	3	90	10	0	+34.82	+14.74	+12.18	+8.45	11.67	13.37	11.80	14.08	2.98	1.10	1.03	0.60	-3.84	-19.32	-19.32	-48.52	9.07	5.12	11.16	13.59	+16.28	+16.72	+25.83	-7.40	+21.30	+9.42	1.32	1.94	2.78	2.25	2.49	2.45
Core Four Rick Ferri	4	80	20	0	+31.26	+13.08	+11.06	+8.43	10.50	11.76	10.32	12.27	2.98	1.11	1.07	0.69	-3.72	-17.12	-17.12	-44.43	8.40	4.96	10.84	14.76	+15.29	+13.93	+24.04	-6.41	+17.86	+8.53	1.41	2.14	2.91	2.48	2.65	2.67
Couch Potato Scott Burns	2	50	50	0	+24.41	+11.75	+9.64	+8.39	7.51	8.52	7.35	8.45	3.25	1.38	1.31	0.99	-2.76	-10.72	-10.72	-27.03	8.84	6.93	14.09	24.04	+13.61	+15.93	+19.51	-3.32	+12.07	+8.75	2.30	1.50	2.09	2.27	2.08	1.84
Stocks/Bonds 60/40	2	60	40	0	+25.08	+12.68	+10.94	+8.38	8.72	9.60	8.20	9.41	2.88	1.32	1.33	0.89	-3.24	-12.29	-12.29	-30.54	7.74	6.64	14.84	21.21	+13.02	+15.70	+21.94	-3.17	+14.15	+8.71	1.22	2.04	2.54	2.25	2.27	2.30
Robo Advisor 80 Betterment	10	80	20	0	+29.87	+11.76	+10.09	+8.37	10.70	12.39	10.94	13.23	2.79	0.95	0.92	0.63	-3.34	-19.90	-19.90	-45.48	8.94	3.74	8.12	14.21	+12.90	+11.77	+22.23	-8.43	+20.00	+10.10	1.37	1.97	2.99	2.43	2.60	2.47
Family Taxable Portfolio Ted Aronson	11	70	30	0	+26.88	+11.30	+9.67	+8.34	9.60	10.70	9.50	11.52	2.80	1.06	1.02	0.72	-2.70	-15.49	-15.49	-38.47	9.96	4.57	9.80	16.66	+10.91	+14.59	+19.91	-7.55	+18.03	+11.10	1.57	1.80	2.63	2.30	2.43	2.30
Golden Butterfly	5	40	40	20	+16.50	+9.24	+7.58	+8.22	6.28	7.01	6.61	7.45	2.63	1.32	1.15	1.10	-2.45	-7.15	-7.15	-14.80	6.73	7.77	15.06	41.94	+7.86	+13.93	+18.03	-4.03	+10.96	+10.82	0.73	1.09	1.81	1.54	1.44	1.41
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+25.36	+12.53	+10.24	+8.19	9.17	10.52	9.37	11.14	2.77	1.19	1.09	0.74	-3.28	-14.28	-14.28	-38.22	7.73	5.64	11.56	16.10	+11.68	+16.02	+22.30	-5.68	+18.60	+8.18	1.16	1.86	2.71	2.26	2.36	2.35
Four Funds Bogleheads	4	80	20	0	+30.87	+13.32	+10.90	+8.17	10.47	11.91	10.57	12.57	2.95	1.12	1.03	0.65	-3.50	-17.10	-17.10	-44.07	8.82	5.08	10.61	13.88	+14.43	+15.71	+23.60	-7.02	+19.47	+8.61	1.57	1.89	2.73	2.32	2.50	2.39
Robust Alpha Architect	8	70	20	10	+32.27	+11.25	+9.08	+8.16	9.89	11.84	10.09	11.46	3.26	0.95	0.90	0.71	-2.43	-19.46	-19.46	-45.15	13.28	3.62	7.12	13.51	+16.15	+9.55	+22.11	-7.40	+14.23	+7.34	0.92	1.27	2.02	1.68	1.74	1.86
Coffee House Bill Schultheis	7	60	40	0	+26.33	+9.70	+9.00	+8.08	8.43	9.70	8.29	9.55	3.12	1.00	1.09	0.85	-2.68	-15.36	-15.36	-33.93	9.82	3.83	8.90	17.61	+13.14	+7.45	+18.99	-5.19	+11.02	+11.04	1.53	2.25	2.89	2.56	2.57	2.64
Three Funds Bogleheads	3	80	20	0	+30.09	+13.19	+10.90	+8.06	10.52	11.85	10.51	12.50	2.86	1.11	1.04	0.64	-3.53	-17.02	-17.02	-43.68	8.52	5.04	10.66	13.62	+13.82	+15.39	+23.65	-6.89	+19.54	+8.39	1.36	2.02	2.84	2.33	2.54	2.49
Gone Fishin' Portfolio Alexander Green	10	65	30	5	+25.86	+10.47	+8.54	+8.04	9.33	10.84	9.68	12.18	2.77	0.97	0.88	0.66	-2.98	-17.17	-17.17	-43.03	8.68	3.76	7.40	13.75	+10.51	+12.37	+19.76	-7.32	+16.62	+10.50	1.65	2.16	2.90	2.56	2.64	2.61
All Weather Portfolio Ray Dalio	5	30	55	15	+13.74	+8.94	+7.18	+7.98	7.40	6.48	6.00	6.87	1.86	1.38	1.20	1.16	-3.71	-4.76	-6.93	-12.19	3.70	11.23	14.43	47.66	+7.26	+14.68	+18.22	-3.19	+11.47	+5.86	0.83	1.40	2.03	1.89	1.89	1.88
Pinwheel	8	65	25	10	+24.17	+9.48	+7.69	+7.94	8.17	9.53	8.68	10.56	2.96	1.00	0.89	0.75	-3.10	-14.99	-14.99	-36.89	7.80	3.82	7.33	15.58	+11.58	+9.12	+19.31	-6.39	+14.08	+8.63	0.99	1.62	2.58	2.16	2.14	2.11
No Brainer Portfolio Bill Bernstein	4	75	25	0	+31.32	+11.76	+9.92	+7.80	10.25	11.75	10.24	11.91	3.05	1.00	0.97	0.65	-2.73	-18.24	-18.24	-40.40	11.47	4.07	8.64	13.71	+14.10	+11.61	+19.82	-6.41	+15.70	+11.03	1.04	1.53	2.49	1.97	1.94	1.87
Robo Advisor 50 Betterment	10	49.9	50.1	0	+17.86	+8.50	+7.61	+7.75	7.32	8.41	7.49	9.19	2.44	1.01	1.02	0.84	-2.64	-13.31	-13.31	-30.72	6.77	3.79	8.14	17.78	+7.21	+9.50	+17.41	-5.36	+14.19	+8.00	1.45	2.06	3.20	2.79	2.69	2.58
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	+22.41	+10.63	+8.60	+7.74	7.63	8.61	7.69	9.10	2.94	1.23	1.12	0.85	-2.79	-11.59	-11.59	-31.78	8.03	5.67	11.06	17.15	+11.01	+13.87	+18.74	-4.97	+14.85	+7.26	1.90	1.63	2.52	2.36	2.31	2.04
Five Asset Roger Gibson	6	60	20	20	+36.87	+10.45	+7.47	+7.72	8.97	11.06	9.72	11.47	4.11	0.94	0.77	0.67	-1.80	-19.29	-19.29	-44.74	20.48	3.34	5.47	12.10	+21.22	+5.29	+20.35	-7.26	+12.32	+9.61	1.27	1.93	3.02	2.60	2.44	2.53
Sandwich Portfolio Bob Clyatt	8	55	45	0	+19.62	+9.03	+7.79	+7.71	7.10	7.65	6.89	8.13	2.76	1.18	1.13	0.95	-2.74	-10.74	-10.74	-28.96	7.16	5.03	10.41	18.66	+8.93	+10.59	+16.81	-4.77	+13.38	+6.63	0.87	1.53	2.61	2.10	2.06	1.95
Margaritaville Scott Burns	3	67	33	0	+26.21	+11.33	+8.96	+7.71	8.87	10.09	9.13	10.85	2.95	1.12	0.98	0.71	-2.96	-14.40	-14.40	-38.70	8.85	4.93	9.44	13.95	+12.22	+14.40	+20.39	-6.92	+17.22	+7.53	2.12	1.73	2.62	2.42	2.49	2.24
Simple Money Portfolio Tim Maurer	7	60	40	0	+23.48	+8.35	+7.73	+7.64	8.64	9.00	8.00	9.00	2.72	0.93	0.97	0.85	-2.28	-14.56	-14.56	-32.39	10.30	3.39	7.60	16.35	+10.09	+6.87	+16.14	-6.64	+13.36	+8.15	1.06	1.57	2.95	2.24	2.28	2.07
Edge Select Moderate Merrill Lynch	12	53	47	0	+19.47	+10.44	+8.71	+7.63	7.49	8.38	7.47	8.75	2.60	1.25	1.17	0.87	-2.75	-10.96	-10.96	-29.57	7.08	5.87	11.91	17.88	+8.74	+13.88	+19.44	-4.47	+15.00	+7.31	1.16	1.93	2.80	2.40	2.39	2.40
Coward's Portfolio Bill Bernstein	10	60	40	0	+24.95	+9.64	+8.59	+7.58	8.32	9.47	8.19	9.46	3.00	1.02	1.05	0.80	-2.51	-15.14	-15.14	-33.86	9.94	3.86	8.45	15.38	+11.96	+8.12	+18.34	-5.49	+12.63	+10.13	1.11	1.81	2.75	2.27	2.14	2.13
Ultimate Buy&Hold FundAdvice	12	60	40	0	+22.80	+8.08	+7.30	+7.56	7.78	8.85	7.90	9.23	2.93	0.91	0.92	0.82	-2.44	-15.07	-15.07	-34.23	9.34	3.15	6.79	15.13	+10.53	+5.84	+16.24	-6.85	+13.54	+8.37	1.44	1.73	2.84	2.37	2.35	2.19
GAA Global Asset Allocation Mebane Faber	10	40.5	49.5	10	+16.69	+8.72	+7.12	+7.53	7.07	7.40	6.68	7.69	2.36	1.18	1.07	0.98	-2.47	-9.35	-9.35	-24.92	6.76	5.55	10.58	20.62	+7.81	+11.18	+19.10	-5.13	+13.30	+6.40	1.19	1.86	2.90	2.52	2.51	2.48
Dynamic 60/40 Income	5	60	40	0	+21.78	+8.52	+8.13	+7.49	6.90	8.61	7.43	9.36	3.16	0.99	1.09	0.80	-2.58	-14.25	-14.25	-41.44	8.44	3.54	8.31	12.27	+12.37	+6.26	+18.59	-3.28	+8.11	+7.39	2.04	3.17	4.05	3.81	3.70	3.90
Stocks/Bonds 40/60	2	40	60	0	+16.24	+9.51	+8.30	+7.32	6.55	6.77	5.78	6.54	2.48	1.41	1.44	1.12	-2.56	-8.09	-8.09	-19.17	6.34	7.11	15.07	25.30	+8.10	+13.04	+17.57	-2.15	+10.63	+6.64	1.29	2.20	2.66	2.43	2.38	2.38
Big Rocks Portfolio Larry Swedroe	11	60	40	0	+25.14	+8.56	+7.77	+7.27	8.17	9.28	8.03	9.22	3.08	0.92	0.97	0.79	-2.22	-15.62	-15.62	-33.81	11.32	3.25	7.13	14.16	+12.26	+5.25	+15.98	-5.45	+11.28	+9.71	0.98	1.57	2.72	2.14	1.97	1.86
Dynamic 40/60 Income	5	40	60	0	+13.40	+7.09	+6.83	+7.23	5.59	7.39	6.22	8.07	2.40	0.96	1.10	0.90	-1.83	-12.42	-12.42	-29.85	7.32	3.29	7.53	15.85	+5.70	+8.28	+15.91	-3.18	+9.18	+7.53	2.14	3.24	4.21	3.98	3.81	3.91
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+17.63	+7.62	+6.17	+7.20	6.06	6.48	5.95	6.88	2.91	1.18	1.04	1.05	-1.71	-8.71	-8.71	-24.26	10.31	5.09	9.41	19.34	+9.93	+7.98	+16.67	-4.12	+9.02	+7.14	1.43	1.88	3.13	2.84	2.55	2.53
Ideal Index Frank Armstrong	7	70	30	0	+27.38	+9.41	+8.10	+7.17	9.29	10.28	9.11	10.82	2.95	0.92	0.89	0.66	-2.66	-17.17	-17.17	-40.12	10.29	3.31	6.87	11.59	+12.53	+6.95	+17.96	-6.68	+13.88	+9.05	1.19	1.75	2.83	2.27	2.25	2.19
Ivy Portfolio Mebane Faber	5	60	20	20	+37.16	+9.82	+6.73	+7.16	9.19	11.93	10.28	11.81	4.05	0.82	0.65	0.61	-1.65	-21.77	-21.77	-47.40	22.52	2.74	4.21	9.77	+21.17	+2.25	+21.16	-7.88	+12.20	+7.80	1.31	2.02	2.63	2.35	2.46	2.56
High Yield Bonds Income	4	0	100	0	+6.34	+5.36	+5.40	+7.09	5.52	7.87	7.07	8.65	1.15	0.68	0.76	0.82	-3.16	-11.99	-11.99	-23.98	2.01	2.49	5.76	18.92	+0.39	+7.08	+16.98	-4.53	+8.78	+12.01	2.82	4.38	5.32	5.01	5.10	5.64
Paul Boyer Permanent Portfolio Paul Boyer	5	25	50	25	+4.99	+6.38	+4.28	+7.07	5.85	6.13	6.39	7.32	0.85	1.04	0.67	0.97	-3.38	-6.72	-9.15	-13.66	1.48	5.39	5.69	33.09	-0.18	+15.04	+13.97	-3.50	+11.87	+7.19	0.51	1.04	1.80	1.48	1.39	1.28
Permanent Portfolio Harry Browne	4	25	50	25	+7.27	+7.86	+5.74	+6.99	6.72	6.18	6.07	6.43	1.08	1.27	0.95	1.09	-4.43	-4.43	-6.98	-12.62	1.64	10.37	10.72	35.01	+2.74	+16.10	+16.17	-1.76	+10.97	+5.54	0.54	0.94	1.73	1.53	1.34	1.20
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+13.37	+8.33	+7.19	+6.94	5.73	6.20	5.58	6.45	2.33	1.34	1.29	1.08	-2.24	-7.78	-7.78	-20.49	5.97	6.32	12.88	21.26	+5.75	+11.65	+16.41	-2.89	+11.44	+6.14	1.13	1.95	2.92	2.55	2.41	2.43
Desert Portfolio Gyroscopic Investing	3	30	60	10	+10.21	+7.67	+6.19	+6.94	4.85	4.71	4.41	5.12	2.10	1.63	1.40	1.36	-2.29	-3.56	-3.56	-10.14	4.46	12.55	23.12	42.85	+4.75	+12.96	+14.41	-0.94	+8.38	+5.39	0.64	1.23	1.95	1.75	1.53	1.44
Lifepath Fund iShares	6	40.4	59.6	0	+15.46	+8.43	+7.13	+6.92	6.17	6.51	5.74	6.62	2.51	1.29	1.24	1.05	-2.34	-8.34	-8.34	-21.24	6.61	5.99	11.89	20.36	+7.10	+11.47	+16.20	-3.49	+11.24	+6.11	1.58	2.15	2.76	2.53	2.51	2.41
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	+29.66	+8.54	+5.78	+6.91	7.66	9.88	8.59	9.93	3.87	0.86	0.67	0.70	-1.15	-17.91	-17.91	-37.97	25.79	2.83	4.21	11.37	+16.22	+3.64	+17.04	-6.60	+11.15	+7.88	0.75	1.34	2.13	1.80	1.69	1.63
All Country World 80/20	4	80	20	0	+29.65	+12.62	+10.16	+6.81	10.77	12.03	10.78	12.91	2.75	1.05	0.94	0.53	-3.60	-17.98	-17.98	-47.32	8.24	4.51	9.08	8.86	+13.16	+14.55	+23.35	-7.79	+20.43	+7.66	1.29	1.98	3.01	2.44	2.64	2.59
European Stocks	1	100	0	0	+43.70	+11.37	+8.09	+6.79	17.41	16.60	15.51	18.26	2.51	0.69	0.52	0.37	-5.38	-25.66	-25.66	-59.77	8.12	2.78	4.59	6.97	+16.82	+6.11	+24.86	-14.91	+26.99	-0.37	2.34	2.85	3.99	3.28	3.37	3.42
All Country World 60/40	4	60	40	0	+21.68	+10.31	+8.59	+6.78	8.57	9.40	8.42	10.02	2.53	1.10	1.02	0.68	-3.08	-13.81	-13.81	-36.71	7.04	4.58	9.27	11.31	+9.33	+12.48	+19.89	-5.81	+16.36	+6.82	1.31	2.05	3.13	2.64	2.68	2.62
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	+24.82	+10.25	+8.37	+6.66	8.83	9.38	8.54	10.03	2.81	1.09	0.98	0.66	-2.75	-13.71	-13.71	-36.42	9.03	4.59	9.00	11.00	+11.42	+10.55	+18.69	-5.85	+15.52	+5.01	0.92	1.64	2.72	2.16	2.06	1.97
All Country World Stocks	1	100	0	0	+37.95	+14.90	+11.69	+6.65	13.02	14.75	13.23	15.97	2.92	1.01	0.88	0.42	-4.10	-22.15	-22.15	-57.05	9.26	4.52	9.12	7.02	+16.99	+16.61	+26.82	-9.76	+24.49	+8.51	1.27	1.91	2.90	2.25	2.59	2.55
Larry Portfolio Larry Swedroe	4	30	70	0	+9.62	+5.03	+4.67	+6.58	4.35	4.32	4.16	5.12	2.21	1.16	1.12	1.29	-1.72	-5.39	-5.39	-11.46	5.60	5.16	10.73	34.21	+3.51	+6.44	+10.64	-3.54	+7.74	+6.87	0.81	1.29	2.32	1.96	1.76	1.58
All Country World 40/60	4	40	60	0	+14.04	+7.95	+6.96	+6.57	6.47	6.95	6.21	7.37	2.17	1.14	1.12	0.89	-2.52	-10.06	-10.06	-25.16	5.57	4.63	9.55	15.55	+5.50	+10.42	+16.42	-3.84	+12.29	+5.97	1.32	2.13	3.24	2.83	2.73	2.66
Emerging Markets Stocks	1	100	0	0	+15.57	+8.70	+4.34	+6.23	13.72	16.74	16.46	23.07	1.14	0.52	0.26	0.27	-8.65	-29.72	-30.19	-60.44	1.80	1.74	1.75	5.83	-1.02	+17.03	+18.20	-15.31	+37.28	+10.87	0.47	1.68	3.19	1.86	2.55	2.07
All Country World 20/80	4	20	80	0	+6.71	+5.55	+5.28	+6.22	4.58	4.87	4.37	5.17	1.46	1.14	1.21	1.20	-1.92	-6.55	-6.55	-14.04	3.49	4.73	10.28	25.05	+1.68	+8.36	+12.96	-1.87	+8.23	+5.12	1.34	2.20	3.36	3.03	2.77	2.69
Stocks/Bonds 20/80	2	20	80	0	+7.74	+6.32	+5.61	+6.12	4.56	4.40	3.81	4.22	1.70	1.44	1.47	1.45	-1.82	-3.91	-3.91	-8.42	4.25	9.16	18.56	40.48	+3.17	+10.38	+13.20	-1.13	+7.10	+4.58	1.37	2.37	2.79	2.60	2.49	2.46
Gold	1	0	0	100	-5.42	+6.45	-0.04	+6.07	16.42	13.30	15.44	16.30	-0.33	0.48	0.00	0.37	-10.31	-13.73	-40.97	-42.90	-0.53	2.67	-0.01	7.85	-6.57	+24.81	+17.86	-1.94	+12.81	+8.03	0.00	0.00	0.00	0.00	0.00	0.00
Developed World ex-US 60/40	2	60	40	0	+19.17	+7.61	+6.67	+5.97	8.79	8.92	8.51	10.12	2.18	0.85	0.78	0.59	-2.53	-14.55	-14.55	-37.48	7.58	3.05	6.23	8.69	+6.31	+7.71	+16.72	-7.73	+16.81	+3.45	1.34	1.79	3.62	2.89	2.96	2.63
Developed World ex-US 40/60	2	40	60	0	+11.74	+6.09	+5.86	+5.88	6.16	6.23	5.99	7.18	1.91	0.98	0.98	0.82	-2.07	-9.83	-9.83	-26.16	5.67	3.49	7.80	12.13	+3.35	+6.69	+13.77	-4.22	+12.01	+3.84	1.10	1.58	3.61	2.94	2.73	2.40
Developed World ex-US 80/20	2	80	20	0	+27.09	+9.06	+7.40	+5.88	11.62	11.81	11.21	13.33	2.33	0.77	0.66	0.44	-2.96	-19.27	-19.27	-47.74	9.15	2.82	5.40	6.64	+9.27	+8.72	+19.67	-11.24	+21.61	+3.06	1.57	2.00	3.64	2.85	3.20	2.85
US Inflation Protection	1	0	100	0	+6.76	+4.47	+2.88	+5.77	3.83	3.72	4.29	5.63	1.77	1.20	0.67	1.02	-1.95	-2.48	-9.25	-11.79	3.47	9.88	3.54	26.01	+4.34	+10.84	+8.35	-1.42	+2.92	+4.68	3.52	1.29	1.88	2.63	2.11	1.53
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+10.87	+5.80	+4.47	+5.75	3.69	3.95	3.76	4.47	2.95	1.47	1.19	1.29	-1.33	-4.64	-4.64	-12.91	8.17	7.02	11.81	23.59	+6.00	+8.69	+10.30	-1.96	+6.78	+4.66	2.10	1.56	2.41	2.13	2.19	1.77
All Country World Bonds	3	0	100	0	-0.31	+3.11	+3.55	+5.72	3.30	3.81	3.52	4.09	-0.09	0.82	1.01	1.40	-3.44	-3.92	-5.14	-8.82	-0.09	4.22	8.11	34.22	-2.15	+6.30	+9.49	+0.10	+4.16	+4.27	1.36	2.27	3.47	3.22	2.82	2.73
Developed World ex-US 20/80	2	20	80	0	+4.74	+4.48	+4.96	+5.64	3.88	3.98	3.89	4.86	1.22	1.13	1.28	1.16	-1.64	-5.98	-5.98	-15.54	2.89	4.10	10.41	18.92	+0.38	+5.67	+10.82	-0.71	+7.20	+4.23	0.87	1.37	3.59	2.98	2.49	2.18
Developed World ex-US Stocks	1	100	0	0	+35.52	+10.43	+8.04	+5.61	14.60	14.83	14.00	16.75	2.43	0.70	0.57	0.33	-3.38	-24.15	-24.15	-57.00	10.51	2.66	4.83	5.11	+12.24	+9.74	+22.62	-14.75	+26.42	+2.67	1.80	2.21	3.65	2.80	3.44	3.07
10-year Treasury	1	0	100	0	-3.77	+2.51	+2.83	+5.57	4.53	5.32	5.30	6.47	-0.83	0.47	0.53	0.86	-5.96	-7.54	-7.60	-9.34	-0.63	1.75	4.23	30.83	-3.87	+10.01	+8.03	+0.99	+2.55	+1.00	0.57	1.18	2.22	2.24	1.85	1.81
Edge Select Conservative Merrill Lynch	12	21	79	0	+7.43	+5.26	+4.76	+5.38	3.47	3.64	3.33	3.88	2.14	1.45	1.43	1.39	-1.41	-4.57	-4.57	-10.97	5.27	6.39	12.96	24.70	+2.98	+6.74	+11.07	-1.01	+6.67	+4.67	0.87	1.56	2.79	2.42	2.00	1.87
Robo Advisor 20 Betterment	12	19.9	80.1	0	+6.67	+4.50	+3.92	+5.33	3.14	3.36	3.11	3.89	2.12	1.34	1.26	1.37	-1.26	-4.38	-4.38	-9.96	5.29	5.61	10.69	26.74	+2.45	+6.01	+9.57	-1.42	+6.24	+4.01	0.86	1.58	2.70	2.30	1.87	1.69
Total Bond Developed World ex-US	1	0	100	0	-1.85	+2.80	+3.98	+5.24	2.66	3.10	3.12	4.18	-0.69	0.90	1.28	1.25	-2.58	-2.91	-4.25	-10.04	-0.72	5.09	11.26	25.72	-2.58	+4.65	+7.87	+2.81	+2.40	+4.61	0.64	1.16	3.58	3.03	2.25	1.96
Total Bond US	1	0	100	0	-0.41	+3.09	+2.87	+4.77	3.20	3.58	3.26	3.60	-0.13	0.86	0.88	1.33	-3.64	-3.88	-4.01	-4.01	-0.11	4.24	8.15	54.97	-1.76	+7.71	+8.83	-0.12	+3.57	+2.52	1.44	2.53	2.91	2.77	2.60	2.54
Conservative Income Charles Schwab	6	5	95	0	+3.60	+3.38	+2.96	+4.72	2.59	2.89	2.84	3.22	1.39	1.17	1.04	1.46	-1.39	-2.57	-4.31	-7.02	2.58	7.04	7.85	30.91	+1.66	+5.45	+8.37	-0.17	+2.91	+3.48	1.57	1.91	2.80	2.74	2.29	2.07
Robo Advisor 10 Betterment	12	9.9	90.1	0	+3.06	+3.04	+2.52	+4.27	1.66	1.69	1.63	2.22	1.84	1.80	1.54	1.92	-0.70	-1.19	-1.32	-3.57	4.37	13.57	21.48	51.54	+0.93	+4.71	+6.61	+0.02	+3.34	+2.45	0.59	1.36	2.45	2.04	1.49	1.28
Robo Advisor 0 Betterment	2	0	100	0	-0.39	+1.57	+1.13	+3.17	0.52	1.11	0.95	1.61	-0.75	1.42	1.19	1.97	-0.55	-1.01	-1.01	-1.21	-0.71	8.04	11.80	98.12	-0.53	+3.37	+3.70	+1.44	+0.45	+0.92	0.31	1.14	2.21	1.78	1.11	0.88
Short Term Treasury	1	0	100	0	-0.39	+1.45	+0.99	+3.05	0.43	1.07	0.90	1.62	-0.90	1.35	1.10	1.88	-0.47	-0.91	-0.91	-1.19	-0.83	8.22	11.44	94.43	-0.45	+3.03	+3.38	+1.46	+0.26	+0.82	0.17	0.96	2.17	1.73	0.98	0.72

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.

Readings that may interest you

The Price of Tomorrow: Why Deflation Is the Key to an Abundant Future

Principles for Dealing with the Changing World Order: Why Nations Succeed and ...

Atlas of the Heart: Mapping Meaningful Connection and the Language of Human ...

Return / Risk Charts:

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