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.

Risk Filter:
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y 25Y
Technology
1 100 0 0 +44.10 +27.94 +22.09 +13.56
US Stocks
1 100 0 0 +43.80 +18.93 +16.10 +10.01
Warren Buffett
2 90 10 0 +38.28 +17.59 +14.84 +9.47
Aggressive Global Income
4 80 20 0 +30.31 +8.38 +8.18 +9.31
Stocks/Bonds 80/20
2 80 20 0 +34.26 +15.82 +13.54 +9.28
Simple Path to Wealth
JL Collins
2 75 25 0 +31.93 +15.03 +12.89 +9.07
Yale Endowment
David Swensen
6 70 30 0 +27.86 +11.36 +9.98 +9.07
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +29.20 +11.02 +10.17 +8.97
Mid-Fifties
Burton Malkiel
8 80 20 0 +28.91 +12.05 +10.16 +8.92
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +41.15 +11.83 +10.78 +8.89
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +30.36 +12.58 +10.43 +8.80
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +26.15 +11.08 +9.54 +8.77
Mid-Twenties
Burton Malkiel
8 87 13 0 +31.06 +12.69 +10.46 +8.71
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +31.06 +14.28 +11.53 +8.60
Robo Advisor 100
Betterment
6 100 0 0 +38.08 +13.70 +11.56 +8.56
Lazy Portfolio
David Swensen
6 70 30 0 +27.75 +10.92 +9.30 +8.54
Robo Advisor 90
Betterment
11 90.1 9.9 0 +34.14 +12.83 +10.89 +8.51
Second Grader's Starter
Paul Farrell
3 90 10 0 +34.82 +14.74 +12.18 +8.45
Core Four
Rick Ferri
4 80 20 0 +31.26 +13.08 +11.06 +8.43
Couch Potato
Scott Burns
2 50 50 0 +24.41 +11.75 +9.64 +8.39
Stocks/Bonds 60/40
2 60 40 0 +25.08 +12.68 +10.94 +8.38
Robo Advisor 80
Betterment
10 80 20 0 +29.87 +11.76 +10.09 +8.37
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +26.88 +11.30 +9.67 +8.34
Golden Butterfly
5 40 40 20 +16.50 +9.24 +7.58 +8.22
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +25.36 +12.53 +10.24 +8.19
Four Funds
Bogleheads
4 80 20 0 +30.87 +13.32 +10.90 +8.17
Robust
Alpha Architect
8 70 20 10 +32.27 +11.25 +9.08 +8.16
Coffee House
Bill Schultheis
7 60 40 0 +26.33 +9.70 +9.00 +8.08
Three Funds
Bogleheads
3 80 20 0 +30.09 +13.19 +10.90 +8.06
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +25.86 +10.47 +8.54 +8.04
All Weather Portfolio
Ray Dalio
5 30 55 15 +13.74 +8.94 +7.18 +7.98
Pinwheel
8 65 25 10 +24.17 +9.48 +7.69 +7.94
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +31.32 +11.76 +9.92 +7.80
Robo Advisor 50
Betterment
10 49.9 50.1 0 +17.86 +8.50 +7.61 +7.75
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +22.41 +10.63 +8.60 +7.74
Five Asset
Roger Gibson
6 60 20 20 +36.87 +10.45 +7.47 +7.72
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +19.62 +9.03 +7.79 +7.71
Margaritaville
Scott Burns
3 67 33 0 +26.21 +11.33 +8.96 +7.71
Simple Money Portfolio
Tim Maurer
7 60 40 0 +23.48 +8.35 +7.73 +7.64
Edge Select Moderate
Merrill Lynch
12 53 47 0 +19.47 +10.44 +8.71 +7.63
Coward's Portfolio
Bill Bernstein
10 60 40 0 +24.95 +9.64 +8.59 +7.58
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +22.80 +8.08 +7.30 +7.56
GAA Global Asset Allocation
Mebane Faber
10 40.5 49.5 10 +16.69 +8.72 +7.12 +7.53
Dynamic 60/40 Income
5 60 40 0 +21.78 +8.52 +8.13 +7.49
Stocks/Bonds 40/60
2 40 60 0 +16.24 +9.51 +8.30 +7.32
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +25.14 +8.56 +7.77 +7.27
Dynamic 40/60 Income
5 40 60 0 +13.40 +7.09 +6.83 +7.23
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +17.63 +7.62 +6.17 +7.20
Ideal Index
Frank Armstrong
7 70 30 0 +27.38 +9.41 +8.10 +7.17
Ivy Portfolio
Mebane Faber
5 60 20 20 +37.16 +9.82 +6.73 +7.16
High Yield Bonds Income
4 0 100 0 +6.34 +5.36 +5.40 +7.09
Paul Boyer Permanent Portfolio
Paul Boyer
5 25 50 25 +4.99 +6.38 +4.28 +7.07
Permanent Portfolio
Harry Browne
4 25 50 25 +7.27 +7.86 +5.74 +6.99
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +13.37 +8.33 +7.19 +6.94
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +10.21 +7.67 +6.19 +6.94
Lifepath Fund
iShares
6 40.4 59.6 0 +15.46 +8.43 +7.13 +6.92
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +29.66 +8.54 +5.78 +6.91
All Country World 80/20
4 80 20 0 +29.65 +12.62 +10.16 +6.81
European Stocks
1 100 0 0 +43.70 +11.37 +8.09 +6.79
All Country World 60/40
4 60 40 0 +21.68 +10.31 +8.59 +6.78
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +24.82 +10.25 +8.37 +6.66
All Country World Stocks
1 100 0 0 +37.95 +14.90 +11.69 +6.65
Larry Portfolio
Larry Swedroe
4 30 70 0 +9.62 +5.03 +4.67 +6.58
All Country World 40/60
4 40 60 0 +14.04 +7.95 +6.96 +6.57
Emerging Markets Stocks
1 100 0 0 +15.57 +8.70 +4.34 +6.23
All Country World 20/80
4 20 80 0 +6.71 +5.55 +5.28 +6.22
Stocks/Bonds 20/80
2 20 80 0 +7.74 +6.32 +5.61 +6.12
Gold
1 0 0 100 -5.42 +6.45 -0.04 +6.07
Developed World ex-US 60/40
2 60 40 0 +19.17 +7.61 +6.67 +5.97
Developed World ex-US 40/60
2 40 60 0 +11.74 +6.09 +5.86 +5.88
Developed World ex-US 80/20
2 80 20 0 +27.09 +9.06 +7.40 +5.88
US Inflation Protection
1 0 100 0 +6.76 +4.47 +2.88 +5.77
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +10.87 +5.80 +4.47 +5.75
All Country World Bonds
3 0 100 0 -0.31 +3.11 +3.55 +5.72
Developed World ex-US 20/80
2 20 80 0 +4.74 +4.48 +4.96 +5.64
Developed World ex-US Stocks
1 100 0 0 +35.52 +10.43 +8.04 +5.61
10-year Treasury
1 0 100 0 -3.77 +2.51 +2.83 +5.57
Edge Select Conservative
Merrill Lynch
12 21 79 0 +7.43 +5.26 +4.76 +5.38
Robo Advisor 20
Betterment
12 19.9 80.1 0 +6.67 +4.50 +3.92 +5.33
Total Bond Developed World ex-US
1 0 100 0 -1.85 +2.80 +3.98 +5.24
Total Bond US
1 0 100 0 -0.41 +3.09 +2.87 +4.77
Conservative Income
Charles Schwab
6 5 95 0 +3.60 +3.38 +2.96 +4.72
Robo Advisor 10
Betterment
12 9.9 90.1 0 +3.06 +3.04 +2.52 +4.27
Robo Advisor 0
Betterment
2 0 100 0 -0.39 +1.57 +1.13 +3.17
Short Term Treasury
1 0 100 0 -0.39 +1.45 +0.99 +3.05
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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