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 - 30 September 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	+29.53	+25.65	+22.37	+13.30	15.30	16.90	15.54	24.72	1.93	1.52	1.44	0.54	-5.68	-16.96	-16.96	-81.08	5.20	12.57	38.52	26.78	+14.50	+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	+32.16	+16.88	+16.60	+9.79	13.43	15.59	13.67	15.70	2.39	1.08	1.21	0.62	-4.46	-20.84	-20.84	-50.84	7.21	5.67	17.48	18.35	+15.18	+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	+27.02	+15.75	+15.20	+9.32	12.12	13.58	11.94	13.73	2.23	1.16	1.27	0.68	-4.32	-17.49	-17.49	-45.53	6.25	6.16	17.82	18.17	+13.87	+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	+25.20	+7.40	+8.87	+9.18	11.53	12.84	11.85	14.80	2.19	0.58	0.75	0.62	-3.13	-23.84	-23.84	-52.62	8.05	1.80	5.62	15.19	+10.69	-1.13	+19.97	-8.07	+13.53	+18.29	2.45	3.52	4.21	3.93	3.98	4.60
Stocks/Bonds 80/20	2	80	20	0	+25.11	+14.13	+13.89	+9.12	11.14	12.53	10.94	12.47	2.25	1.13	1.27	0.73	-3.88	-16.53	-16.53	-41.09	6.47	5.67	16.16	19.11	+11.78	+18.36	+26.30	-4.19	+17.68	+10.77	1.11	1.87	2.41	2.08	2.16	2.22
Yale Endowment David Swensen	6	70	30	0	+19.39	+9.68	+10.24	+8.94	10.12	9.88	9.07	10.70	1.92	0.98	1.13	0.84	-3.85	-13.19	-13.19	-39.46	5.04	4.45	12.53	19.04	+9.54	+12.03	+22.65	-6.20	+14.99	+7.39	1.69	2.12	2.91	2.73	2.83	2.84
Simple Path to Wealth JL Collins	2	75	25	0	+23.38	+13.44	+13.21	+8.92	10.57	11.77	10.28	11.68	2.21	1.14	1.29	0.76	-3.72	-15.47	-15.47	-38.54	6.28	5.68	15.88	19.37	+10.93	+17.70	+25.21	-3.94	+16.80	+10.25	1.13	1.92	2.45	2.13	2.19	2.24
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	+20.99	+9.29	+10.51	+8.85	9.65	10.21	9.25	10.66	2.17	0.91	1.14	0.83	-3.93	-15.15	-15.15	-40.18	5.34	3.69	11.33	18.25	+11.83	+8.02	+22.79	-3.78	+9.90	+7.99	1.54	2.63	3.16	3.00	2.99	3.25
Mid-Fifties Burton Malkiel	8	80	20	0	+21.57	+10.58	+10.72	+8.77	10.82	11.92	10.89	13.08	1.99	0.89	0.98	0.67	-3.95	-18.64	-18.64	-46.21	5.46	3.51	9.49	15.54	+8.65	+11.71	+23.79	-7.10	+19.19	+8.92	1.31	2.23	3.16	2.70	2.82	2.87
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+34.23	+10.46	+11.57	+8.74	14.19	15.73	14.00	16.03	2.41	0.66	0.83	0.55	-3.53	-27.54	-27.54	-57.21	9.70	2.34	7.22	12.46	+13.65	+6.40	+23.62	-11.86	+21.78	+12.36	1.56	2.06	3.37	2.53	2.89	2.80
Late Sixties and Beyond Burton Malkiel	8	71	29	0	+19.24	+9.66	+10.02	+8.64	9.90	10.78	9.78	11.72	1.94	0.90	1.02	0.74	-3.79	-16.82	-16.82	-41.80	5.08	3.48	9.51	16.60	+8.15	+10.03	+22.55	-5.90	+16.49	+8.48	1.34	2.27	3.19	2.81	2.83	2.91
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	+22.84	+11.12	+11.03	+8.63	11.23	12.45	11.42	13.75	2.03	0.89	0.97	0.63	-3.97	-19.37	-19.37	-48.28	5.75	3.58	9.54	14.35	+8.94	+12.75	+24.10	-7.61	+20.64	+8.99	1.23	2.11	3.05	2.54	2.69	2.70
Mid-Twenties Burton Malkiel	8	87	13	0	+23.51	+11.22	+11.09	+8.54	11.41	12.70	11.68	14.10	2.06	0.88	0.95	0.61	-3.98	-19.80	-19.80	-49.50	5.91	3.55	9.41	13.65	+9.15	+12.95	+24.15	-7.95	+21.11	+8.95	1.20	2.07	3.04	2.50	2.67	2.66
Edge Select Aggressive Merrill Lynch	12	84	16	0	+23.54	+12.88	+12.10	+8.46	11.08	12.53	11.47	13.41	2.13	1.03	1.06	0.63	-3.70	-17.65	-17.65	-45.64	6.36	4.72	12.09	14.50	+9.45	+17.62	+24.61	-6.88	+21.70	+9.21	1.11	1.73	2.60	2.10	2.29	2.23
Lazy Portfolio David Swensen	6	70	30	0	+20.75	+9.51	+9.75	+8.43	9.30	9.96	9.22	10.81	2.23	0.96	1.06	0.78	-3.57	-14.65	-14.65	-40.88	5.81	3.92	10.48	16.06	+10.04	+10.56	+21.27	-5.67	+13.94	+7.74	1.61	2.03	2.85	2.63	2.65	2.65
Robo Advisor 100 Betterment	6	100	0	0	+30.37	+12.27	+12.31	+8.39	13.49	15.04	13.68	16.14	2.25	0.82	0.90	0.52	-3.75	-24.13	-24.13	-54.55	8.10	3.25	9.09	11.92	+11.70	+12.47	+25.35	-10.13	+23.37	+11.17	1.23	1.94	2.89	2.23	2.46	2.40
Robo Advisor 90 Betterment	11	90.1	9.9	0	+27.30	+11.50	+11.57	+8.37	12.31	13.81	12.50	14.69	2.22	0.83	0.93	0.57	-3.56	-22.15	-22.15	-50.07	7.67	3.26	8.97	12.89	+10.40	+12.42	+23.85	-9.42	+21.88	+10.80	1.32	1.94	2.92	2.31	2.56	2.43
Couch Potato Scott Burns	2	50	50	0	+18.01	+10.57	+9.87	+8.32	7.69	8.47	7.47	8.43	2.34	1.25	1.32	0.99	-2.76	-10.72	-10.72	-27.03	6.53	6.09	14.59	23.61	+9.19	+15.93	+19.51	-3.32	+12.07	+8.75	2.13	1.50	2.09	2.27	2.08	1.84
Core Four Rick Ferri	4	80	20	0	+23.25	+11.58	+11.52	+8.28	10.87	11.73	10.57	12.25	2.14	0.99	1.09	0.68	-3.72	-17.12	-17.12	-44.43	6.25	4.26	11.54	14.18	+10.18	+13.93	+24.04	-6.41	+17.86	+8.53	1.38	2.14	2.91	2.48	2.65	2.67
Stocks/Bonds 60/40	2	60	40	0	+18.27	+11.35	+11.16	+8.27	8.87	9.56	8.31	9.39	2.06	1.19	1.34	0.88	-3.24	-12.29	-12.29	-30.54	5.64	5.79	15.31	20.60	+8.37	+15.70	+21.94	-3.17	+14.15	+8.71	1.16	2.04	2.54	2.25	2.27	2.30
Second Grader's Starter Paul Farrell	3	90	10	0	+26.08	+13.19	+12.72	+8.27	12.08	13.33	12.07	14.06	2.16	0.99	1.05	0.59	-3.84	-19.32	-19.32	-48.52	6.79	4.44	11.96	12.96	+10.78	+16.72	+25.83	-7.40	+21.30	+9.42	1.31	1.94	2.78	2.25	2.49	2.45
Robo Advisor 80 Betterment	10	80	20	0	+23.92	+10.56	+10.69	+8.25	11.06	12.40	11.23	13.21	2.16	0.85	0.95	0.62	-3.34	-19.90	-19.90	-45.48	7.16	3.28	8.85	13.76	+8.97	+11.77	+22.23	-8.43	+20.00	+10.10	1.34	1.97	2.99	2.43	2.60	2.47
Family Taxable Portfolio Ted Aronson	11	70	30	0	+22.21	+10.15	+10.17	+8.23	9.92	10.75	9.72	11.51	2.24	0.94	1.05	0.72	-2.70	-15.49	-15.49	-38.47	8.23	4.01	10.54	16.17	+7.73	+14.59	+19.91	-7.55	+18.03	+11.10	1.49	1.80	2.63	2.30	2.43	2.30
Golden Butterfly	5	40	40	20	+12.49	+8.04	+7.79	+8.16	6.36	7.12	6.71	7.44	1.96	1.13	1.16	1.10	-2.45	-7.15	-7.15	-14.80	5.10	6.60	15.61	41.28	+4.95	+13.93	+18.03	-4.03	+10.96	+10.82	0.70	1.09	1.81	1.54	1.44	1.41
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+19.16	+11.34	+10.70	+8.08	9.45	10.51	9.61	11.12	2.03	1.08	1.11	0.73	-3.28	-14.28	-14.28	-38.22	5.84	4.98	12.35	15.66	+7.62	+16.02	+22.30	-5.68	+18.60	+8.18	1.12	1.86	2.71	2.26	2.36	2.35
Robust Alpha Architect	8	70	20	10	+24.39	+9.70	+9.41	+8.03	10.15	11.79	10.27	11.43	2.40	0.82	0.92	0.70	-2.43	-19.46	-19.46	-45.15	10.04	3.03	7.50	13.06	+10.79	+9.55	+22.11	-7.40	+14.23	+7.34	0.90	1.27	2.02	1.68	1.74	1.86
Four Funds Bogleheads	4	80	20	0	+23.20	+11.94	+11.38	+8.02	10.87	11.89	10.82	12.54	2.13	1.00	1.05	0.64	-3.50	-17.10	-17.10	-44.07	6.63	4.43	11.33	13.34	+9.59	+15.71	+23.60	-7.02	+19.47	+8.61	1.52	1.89	2.73	2.32	2.50	2.39
Coffee House Bill Schultheis	7	60	40	0	+21.72	+8.53	+9.42	+8.01	8.70	9.74	8.50	9.54	2.50	0.88	1.11	0.84	-2.68	-15.36	-15.36	-33.93	8.10	3.29	9.51	17.29	+9.72	+7.45	+18.99	-5.19	+11.02	+11.04	1.47	2.25	2.89	2.56	2.57	2.64
Gone Fishin' Portfolio Alexander Green	10	65	30	5	+21.43	+9.33	+9.18	+7.94	9.61	10.89	10.01	12.17	2.23	0.86	0.92	0.65	-2.98	-17.17	-17.17	-43.03	7.19	3.27	8.19	13.36	+7.40	+12.37	+19.76	-7.32	+16.62	+10.50	1.57	2.16	2.90	2.56	2.64	2.61
All Weather Portfolio Ray Dalio	5	30	55	15	+7.17	+7.52	+7.00	+7.92	7.54	6.54	5.93	6.85	0.95	1.15	1.18	1.16	-3.71	-5.71	-6.93	-12.19	1.93	7.65	13.96	46.88	+3.45	+14.68	+18.22	-3.19	+11.47	+5.86	0.77	1.40	2.03	1.89	1.89	1.88
Three Funds Bogleheads	3	80	20	0	+22.57	+11.82	+11.36	+7.91	10.90	11.82	10.74	12.48	2.07	1.00	1.06	0.63	-3.53	-17.02	-17.02	-43.68	6.39	4.40	11.36	13.08	+9.08	+15.39	+23.65	-6.89	+19.54	+8.39	1.33	2.02	2.84	2.33	2.54	2.49
Pinwheel	8	65	25	10	+19.21	+8.26	+8.23	+7.83	8.44	9.57	8.99	10.55	2.28	0.86	0.92	0.74	-3.10	-14.99	-14.99	-36.89	6.20	3.25	8.04	15.14	+8.12	+9.12	+19.31	-6.39	+14.08	+8.63	0.98	1.62	2.58	2.16	2.14	2.11
Robo Advisor 50 Betterment	10	49.9	50.1	0	+14.35	+7.67	+8.01	+7.70	7.53	8.44	7.67	9.18	1.91	0.91	1.04	0.84	-2.64	-13.31	-13.31	-30.72	5.44	3.36	8.72	17.56	+4.80	+9.50	+17.41	-5.36	+14.19	+8.00	1.36	2.06	3.20	2.79	2.69	2.58
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	+16.76	+9.60	+8.92	+7.67	7.94	8.59	7.86	9.09	2.11	1.12	1.14	0.84	-2.79	-11.59	-11.59	-31.78	6.01	5.02	11.66	16.83	+7.35	+13.87	+18.74	-4.97	+14.85	+7.26	1.78	1.63	2.52	2.36	2.31	2.04
No Brainer Portfolio Bill Bernstein	4	75	25	0	+26.19	+10.55	+10.50	+7.67	10.56	11.78	10.52	11.90	2.48	0.90	1.00	0.64	-2.73	-18.24	-18.24	-40.40	9.59	3.57	9.40	13.24	+10.36	+11.61	+19.82	-6.41	+15.70	+11.03	1.03	1.53	2.49	1.97	1.94	1.87
Sandwich Portfolio Bob Clyatt	8	55	45	0	+15.57	+8.13	+8.15	+7.66	7.43	7.69	7.07	8.13	2.10	1.06	1.15	0.94	-2.74	-10.74	-10.74	-28.96	5.68	4.45	11.07	18.41	+6.34	+10.59	+16.81	-4.77	+13.38	+6.63	0.85	1.53	2.61	2.10	2.06	1.95
Margaritaville Scott Burns	3	67	33	0	+19.89	+10.21	+9.39	+7.61	9.29	10.07	9.36	10.83	2.14	1.01	1.00	0.70	-2.96	-14.40	-14.40	-38.70	6.72	4.35	10.09	13.56	+8.26	+14.40	+20.39	-6.92	+17.22	+7.53	2.00	1.73	2.62	2.42	2.49	2.24
Simple Money Portfolio Tim Maurer	7	60	40	0	+19.72	+7.60	+8.13	+7.60	9.07	9.03	8.16	9.00	2.17	0.84	1.00	0.84	-2.28	-14.56	-14.56	-32.39	8.65	3.04	8.14	16.17	+7.96	+6.87	+16.14	-6.64	+13.36	+8.15	1.03	1.57	2.95	2.24	2.28	2.07
Edge Select Moderate Merrill Lynch	12	53	47	0	+14.85	+9.49	+9.08	+7.57	7.72	8.39	7.66	8.74	1.92	1.13	1.19	0.87	-2.75	-10.96	-10.96	-29.57	5.40	5.23	12.64	17.59	+5.67	+13.88	+19.44	-4.47	+15.00	+7.31	1.11	1.93	2.80	2.40	2.39	2.40
Five Asset Roger Gibson	6	60	20	20	+28.11	+8.95	+7.87	+7.56	9.73	11.01	9.96	11.44	2.89	0.81	0.79	0.66	-2.00	-19.29	-19.29	-44.74	14.06	2.77	5.88	11.57	+15.78	+5.29	+20.35	-7.26	+12.32	+9.61	1.24	1.93	3.02	2.60	2.44	2.53
Coward's Portfolio Bill Bernstein	10	60	40	0	+20.67	+8.63	+9.03	+7.51	8.58	9.49	8.42	9.45	2.41	0.91	1.07	0.79	-2.51	-15.14	-15.14	-33.86	8.24	3.39	9.08	15.11	+8.82	+8.12	+18.34	-5.49	+12.63	+10.13	1.08	1.81	2.75	2.27	2.14	2.13
Ultimate Buy&Hold FundAdvice	12	60	40	0	+19.14	+7.25	+7.73	+7.51	8.15	8.89	8.09	9.23	2.35	0.82	0.96	0.81	-2.44	-15.07	-15.07	-34.23	7.84	2.78	7.33	14.93	+8.18	+5.84	+16.24	-6.85	+13.54	+8.37	1.39	1.73	2.84	2.37	2.35	2.19
GAA Global Asset Allocation Meb Faber	10	40.5	49.5	10	+11.30	+7.57	+7.29	+7.47	7.35	7.45	6.77	7.68	1.54	1.02	1.08	0.97	-2.47	-9.35	-9.35	-24.92	4.57	4.71	10.92	20.28	+4.59	+11.18	+19.10	-5.13	+13.30	+6.40	1.12	1.86	2.90	2.52	2.51	2.48
Dynamic 60/40 Income	5	60	40	0	+16.87	+7.38	+8.59	+7.42	7.10	8.62	7.72	9.34	2.38	0.86	1.11	0.79	-2.58	-14.25	-14.25	-41.44	6.54	3.00	8.98	12.04	+8.84	+6.26	+18.59	-3.28	+8.11	+7.39	1.89	3.17	4.05	3.81	3.70	3.90
Stocks/Bonds 40/60	2	40	60	0	+11.63	+8.56	+8.42	+7.27	6.66	6.77	5.84	6.53	1.75	1.27	1.44	1.11	-2.56	-8.09	-8.09	-19.17	4.54	6.27	15.39	24.97	+4.97	+13.04	+17.57	-2.15	+10.63	+6.64	1.20	2.20	2.66	2.43	2.38	2.38
Dynamic 40/60 Income	5	40	60	0	+10.93	+6.46	+7.26	+7.22	5.73	7.41	6.44	8.07	1.91	0.87	1.13	0.90	-1.83	-12.42	-12.42	-29.85	5.97	2.96	8.17	15.79	+3.88	+8.28	+15.91	-3.18	+9.18	+7.53	1.92	3.24	4.21	3.98	3.81	3.91
Big Rocks Portfolio Larry Swedroe	11	60	40	0	+21.42	+7.66	+8.21	+7.21	8.45	9.30	8.24	9.21	2.53	0.82	1.00	0.78	-2.22	-15.62	-15.62	-33.81	9.65	2.86	7.69	13.89	+9.48	+5.25	+15.98	-5.45	+11.28	+9.71	0.98	1.57	2.72	2.14	1.97	1.86
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+12.60	+6.56	+6.31	+7.16	6.39	6.51	6.02	6.87	1.97	1.01	1.05	1.04	-1.71	-8.71	-8.71	-24.26	7.37	4.29	9.68	19.11	+6.80	+7.98	+16.67	-4.12	+9.02	+7.14	1.34	1.88	3.13	2.84	2.55	2.53
High Yield Bonds Income	4	0	100	0	+5.86	+4.97	+6.03	+7.14	5.56	7.92	7.32	8.65	1.05	0.63	0.82	0.83	-3.16	-11.99	-11.99	-23.98	1.85	2.29	6.63	19.21	+0.07	+7.08	+16.98	-4.53	+8.78	+12.01	2.50	4.38	5.32	5.01	5.10	5.64
Ideal Index Frank Armstrong	7	70	30	0	+22.70	+8.35	+8.65	+7.07	9.63	10.31	9.39	10.81	2.36	0.81	0.92	0.65	-2.66	-17.17	-17.17	-40.12	8.53	2.87	7.53	11.25	+9.31	+6.95	+17.96	-6.68	+13.88	+9.05	1.19	1.75	2.83	2.27	2.25	2.19
Paul Boyer Permanent Portfolio Paul Boyer	5	25	50	25	+2.71	+5.51	+4.47	+7.04	5.82	6.26	6.45	7.32	0.47	0.88	0.69	0.96	-3.38	-6.72	-9.15	-13.66	0.80	4.57	5.98	32.82	-1.67	+15.04	+13.97	-3.50	+11.87	+7.19	0.47	1.04	1.80	1.48	1.39	1.28
Ivy Portfolio Mebane Faber	5	60	20	20	+28.25	+8.25	+7.17	+7.00	9.95	11.89	10.55	11.78	2.84	0.69	0.68	0.59	-2.06	-21.77	-21.77	-47.40	13.71	2.24	4.59	9.33	+15.69	+2.25	+21.16	-7.88	+12.20	+7.80	1.28	2.02	2.63	2.35	2.46	2.56
Desert Portfolio Gyroscopic Investing	3	30	60	10	+7.17	+6.96	+6.37	+6.94	4.96	4.75	4.49	5.12	1.45	1.46	1.42	1.36	-2.29	-3.56	-3.56	-10.14	3.13	11.24	23.98	42.85	+2.77	+12.96	+14.41	-0.94	+8.38	+5.39	0.60	1.23	1.95	1.75	1.53	1.44
Permanent Portfolio Harry Browne	4	25	50	25	+2.74	+6.72	+5.73	+6.93	6.56	6.26	6.07	6.42	0.42	1.07	0.94	1.08	-4.43	-5.77	-6.98	-12.62	0.62	6.66	10.69	34.42	-0.09	+16.10	+16.17	-1.76	+10.97	+5.54	0.51	0.94	1.73	1.53	1.34	1.20
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+10.18	+7.62	+7.47	+6.93	5.90	6.23	5.71	6.45	1.73	1.22	1.31	1.07	-2.24	-7.78	-7.78	-20.49	4.54	5.70	13.55	21.17	+3.63	+11.65	+16.41	-2.89	+11.44	+6.14	1.07	1.95	2.92	2.55	2.41	2.43
Lifepath Fund iShares	6	40.4	59.6	0	+11.47	+7.61	+7.33	+6.89	6.39	6.53	5.83	6.61	1.79	1.17	1.26	1.04	-2.34	-8.34	-8.34	-21.24	4.90	5.31	12.34	20.21	+4.55	+11.47	+16.20	-3.49	+11.24	+6.11	1.47	2.15	2.76	2.53	2.51	2.41
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	+24.07	+7.37	+6.20	+6.79	8.10	9.88	8.84	9.91	2.97	0.75	0.70	0.68	-1.15	-17.91	-17.91	-37.97	20.93	2.39	4.61	10.99	+12.31	+3.64	+17.04	-6.60	+11.15	+7.88	0.73	1.34	2.13	1.80	1.69	1.63
All Country World 60/40	4	60	40	0	+16.36	+9.25	+8.94	+6.68	8.85	9.41	8.58	10.01	1.85	0.98	1.04	0.67	-3.08	-13.81	-13.81	-36.71	5.31	4.03	9.81	11.00	+5.93	+12.48	+19.89	-5.81	+16.36	+6.82	1.25	2.05	3.13	2.64	2.68	2.62
European Stocks	1	100	0	0	+29.41	+9.50	+8.83	+6.67	19.10	16.62	15.89	18.24	1.54	0.57	0.56	0.37	-5.42	-25.66	-25.66	-59.77	5.43	2.24	5.19	6.73	+11.23	+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 80/20	4	80	20	0	+22.34	+11.29	+10.64	+6.66	11.15	12.01	11.02	12.89	2.00	0.94	0.97	0.52	-3.60	-17.98	-17.98	-47.32	6.21	3.93	9.73	8.48	+8.60	+14.55	+23.35	-7.79	+20.43	+7.66	1.26	1.98	3.01	2.44	2.64	2.59
Larry Portfolio Larry Swedroe	4	30	70	0	+9.48	+4.73	+4.98	+6.64	4.37	4.39	4.25	5.12	2.17	1.08	1.17	1.30	-1.72	-5.39	-5.39	-11.46	5.52	4.82	11.62	34.80	+3.34	+6.44	+10.64	-3.54	+7.74	+6.87	0.76	1.29	2.32	1.96	1.76	1.58
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	+18.62	+9.19	+8.71	+6.54	9.34	9.36	8.71	10.02	1.99	0.98	1.00	0.65	-2.75	-13.71	-13.71	-36.42	6.77	4.03	9.52	10.62	+7.81	+10.55	+18.69	-5.85	+15.52	+5.01	0.91	1.64	2.72	2.16	2.06	1.97
All Country World 40/60	4	40	60	0	+10.57	+7.16	+7.21	+6.54	6.65	6.98	6.31	7.36	1.59	1.03	1.14	0.89	-2.52	-10.06	-10.06	-25.16	4.19	4.11	10.00	15.37	+3.27	+10.42	+16.42	-3.84	+12.29	+5.97	1.24	2.13	3.24	2.83	2.73	2.66
All Country World Stocks	1	100	0	0	+28.51	+13.30	+12.32	+6.45	13.52	14.71	13.56	15.95	2.11	0.90	0.91	0.40	-4.10	-22.15	-22.15	-57.05	6.95	3.91	9.92	6.61	+11.26	+16.61	+26.82	-9.76	+24.49	+8.51	1.27	1.91	2.90	2.25	2.59	2.55
All Country World 20/80	4	20	80	0	+4.97	+5.04	+5.45	+6.24	4.67	4.93	4.42	5.18	1.06	1.02	1.23	1.21	-1.92	-6.55	-6.55	-14.04	2.59	4.26	10.69	25.22	+0.61	+8.36	+12.96	-1.87	+8.23	+5.12	1.22	2.20	3.36	3.03	2.77	2.69
Stocks/Bonds 20/80	2	20	80	0	+5.19	+5.73	+5.66	+6.14	4.64	4.44	3.82	4.23	1.12	1.29	1.48	1.45	-1.82	-3.91	-3.91	-8.42	2.85	8.22	18.78	40.73	+1.57	+10.38	+13.20	-1.13	+7.10	+4.58	1.25	2.37	2.79	2.60	2.49	2.46
Emerging Markets Stocks	1	100	0	0	+15.96	+8.29	+5.81	+6.12	13.71	16.75	17.19	23.07	1.16	0.49	0.34	0.27	-8.65	-29.72	-30.19	-60.44	1.85	1.65	2.52	5.65	-2.07	+17.03	+18.20	-15.31	+37.28	+10.87	0.47	1.68	3.19	1.86	2.55	2.07
Gold	1	0	0	100	-7.28	+5.50	+0.38	+6.02	16.31	13.39	15.54	16.30	-0.45	0.41	0.02	0.37	-10.31	-13.73	-40.97	-42.90	-0.71	2.24	0.10	7.71	-7.93	+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	+14.78	+6.80	+7.04	+5.89	9.36	8.98	8.64	10.11	1.58	0.76	0.81	0.58	-2.53	-14.55	-14.55	-37.48	5.84	2.68	6.70	8.48	+4.38	+7.71	+16.72	-7.73	+16.81	+3.45	1.31	1.79	3.62	2.89	2.96	2.63
Developed World ex-US 40/60	2	40	60	0	+9.25	+5.49	+6.12	+5.86	6.47	6.30	6.07	7.18	1.43	0.87	1.01	0.82	-2.07	-9.83	-9.83	-26.16	4.47	3.11	8.24	12.04	+2.20	+6.69	+13.77	-4.22	+12.01	+3.84	1.06	1.58	3.61	2.94	2.73	2.40
All Country World Bonds	3	0	100	0	-0.45	+2.88	+3.66	+5.81	3.31	3.86	3.52	4.10	-0.14	0.75	1.04	1.42	-3.44	-3.92	-5.14	-8.82	-0.13	3.90	8.40	35.14	-2.06	+6.30	+9.49	+0.10	+4.16	+4.27	1.21	2.27	3.47	3.22	2.82	2.73
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+8.37	+5.35	+4.60	+5.77	3.91	3.95	3.82	4.47	2.14	1.35	1.20	1.29	-1.33	-4.64	-4.64	-12.91	6.29	6.41	12.23	23.77	+4.38	+8.69	+10.30	-1.96	+6.78	+4.66	2.10	1.56	2.41	2.13	2.19	1.77
Developed World ex-US 80/20	2	80	20	0	+20.57	+8.04	+7.90	+5.75	12.46	11.85	11.40	13.33	1.65	0.68	0.69	0.43	-2.96	-19.27	-19.27	-47.74	6.95	2.45	5.92	6.37	+6.55	+8.72	+19.67	-11.24	+21.61	+3.06	1.55	2.00	3.64	2.85	3.20	2.85
10-year Treasury	1	0	100	0	-4.68	+2.29	+2.74	+5.72	4.65	5.37	5.32	6.49	-1.01	0.43	0.52	0.88	-6.94	-7.54	-7.60	-9.34	-0.67	1.59	4.08	32.32	-3.44	+10.01	+8.03	+0.99	+2.55	+1.00	0.50	1.18	2.22	2.24	1.85	1.81
Developed World ex-US 20/80	2	20	80	0	+3.97	+4.10	+5.13	+5.67	3.95	4.06	3.92	4.87	1.00	1.01	1.31	1.17	-1.64	-5.98	-5.98	-15.54	2.42	3.72	10.85	19.12	+0.03	+5.67	+10.82	-0.71	+7.20	+4.23	0.82	1.37	3.59	2.98	2.49	2.18
Developed World ex-US Stocks	1	100	0	0	+26.63	+9.20	+8.70	+5.42	15.73	14.87	14.27	16.75	1.69	0.62	0.61	0.32	-3.55	-24.15	-24.15	-57.00	7.50	2.29	5.40	4.82	+8.73	+9.74	+22.62	-14.75	+26.42	+2.67	1.80	2.21	3.65	2.80	3.44	3.07
Edge Select Conservative Merrill Lynch	12	21	79	0	+5.90	+4.86	+4.94	+5.40	3.57	3.67	3.41	3.89	1.65	1.32	1.45	1.39	-1.41	-4.57	-4.57	-10.97	4.18	5.86	13.55	24.86	+1.94	+6.74	+11.07	-1.01	+6.67	+4.67	0.82	1.56	2.79	2.42	2.00	1.87
Robo Advisor 20 Betterment	12	19.9	80.1	0	+5.53	+4.18	+4.10	+5.35	3.24	3.40	3.18	3.90	1.70	1.23	1.29	1.37	-1.26	-4.38	-4.38	-9.96	4.39	5.18	11.28	26.95	+1.70	+6.01	+9.57	-1.42	+6.24	+4.01	0.79	1.58	2.70	2.30	1.87	1.69
Total Bond Developed World ex-US	1	0	100	0	-1.08	+2.63	+4.08	+5.33	2.68	3.16	3.11	4.18	-0.40	0.83	1.31	1.27	-2.48	-3.03	-4.25	-10.04	-0.44	4.57	11.56	26.51	-2.15	+4.65	+7.87	+2.81	+2.40	+4.61	0.57	1.16	3.58	3.03	2.25	1.96
Total Bond US	1	0	100	0	-1.04	+2.88	+2.88	+4.86	3.24	3.62	3.26	3.62	-0.32	0.80	0.88	1.34	-3.64	-3.88	-4.01	-4.01	-0.29	3.94	8.17	56.68	-1.83	+7.71	+8.83	-0.12	+3.57	+2.52	1.29	2.53	2.91	2.77	2.60	2.54
Conservative Income Charles Schwab	6	5	95	0	+2.52	+3.07	+3.06	+4.78	2.66	2.93	2.88	3.24	0.95	1.05	1.06	1.48	-1.39	-2.57	-4.31	-7.02	1.81	6.35	8.17	31.48	+1.04	+5.45	+8.37	-0.17	+2.91	+3.48	1.42	1.91	2.80	2.74	2.29	2.07
Robo Advisor 10 Betterment	12	9.9	90.1	0	+2.66	+2.91	+2.63	+4.31	1.72	1.72	1.67	2.23	1.55	1.70	1.58	1.93	-0.70	-1.19	-1.32	-3.57	3.80	12.97	22.53	52.42	+0.75	+4.71	+6.61	+0.02	+3.34	+2.45	0.54	1.36	2.45	2.04	1.49	1.28
Robo Advisor 0 Betterment	2	0	100	0	-0.08	+1.63	+1.17	+3.24	0.39	1.09	0.94	1.62	-0.21	1.50	1.24	2.00	-0.20	-1.01	-1.01	-1.21	-0.40	8.35	12.30	101.16	-0.16	+3.37	+3.70	+1.44	+0.45	+0.92	0.28	1.14	2.21	1.78	1.11	0.88
Short Term Treasury	1	0	100	0	-0.10	+1.51	+1.03	+3.12	0.30	1.05	0.89	1.63	-0.34	1.43	1.16	1.92	-0.17	-0.91	-0.91	-1.19	-0.59	8.56	11.88	97.33	-0.11	+3.03	+3.38	+1.46	+0.26	+0.82	0.15	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

Summary of Principles: Life and Work by Ray Dalio

A Guide to the Project Management Body of Knowledge (PMBOK® Guide) – Seventh ...

Investing in ETFs For Dummies

Return / Risk Charts:

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