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 Lazy Portfolio, and implement it with ETFs.
Portfolios are ordered by 10Y return. Click on column header to sort table.

Portfolio Risk:

Low

Medium

High

Very High

Last Update - Oct 2019

		% Allocation			Ann. Returns			St.Dev.			Ann. Return / St.Dev.			Max Drawdown			Return / Drawdown			YTD	Yearly Returns
Portfolio	#ETF	Stocks	Bonds	Comm.	1Y	5Y	10Y ▾	1Y	5Y	10Y	1Y	5Y	10Y	1Y	5Y	10Y	1Y	5Y	10Y	2019	2018	2017	2016	2015	2014
US Stocks	1	100	0	0	+13.49%	+10.29%	+13.64%	16.73%	12.05%	12.90%	0.81	0.85	1.06	-9.16%	-14.20%	-17.57%	1.47	4.45	14.75	+22.47%	-5.21%	+21.21%	+12.83%	+0.36%	+12.54%
Warren Buffett	2	90	10	0	+13.52%	+9.76%	+12.48%	14.56%	10.65%	11.32%	0.93	0.92	1.10	-7.84%	-12.10%	-15.03%	1.72	4.90	14.91	+21.04%	-3.84%	+19.83%	+10.69%	+0.96%	+12.08%
Simple Path to Wealth JL Collins	2	75	25	0	+13.19%	+8.59%	+11.25%	12.41%	9.01%	9.56%	1.06	0.95	1.18	-6.53%	-10.58%	-12.27%	2.02	4.82	15.51	+19.09%	-3.94%	+16.80%	+10.25%	+0.41%	+10.86%
Talmud Portfolio Roger Gibson	3	66.67	33.33	0	+16.85%	+7.33%	+10.47%	9.61%	7.74%	8.72%	1.75	0.95	1.20	-5.21%	-7.58%	-10.49%	3.23	5.60	16.25	+20.34%	-3.78%	+9.90%	+7.99%	+1.11%	+16.24%
Second Grader's Starter Paul Farrell	3	90	10	0	+12.77%	+7.75%	+10.24%	13.86%	10.48%	11.79%	0.92	0.74	0.87	-6.92%	-11.98%	-17.88%	1.85	3.78	9.23	+19.10%	-7.40%	+21.30%	+9.42%	-1.16%	+6.75%
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+10.30%	+7.08%	+10.18%	15.62%	11.36%	13.36%	0.66	0.62	0.76	-8.12%	-14.66%	-21.29%	1.27	2.78	7.69	+17.76%	-11.31%	+21.00%	+13.08%	-1.33%	+5.21%
Yale Endowment David Swensen	6	70	30	0	+16.72%	+6.92%	+9.84%	9.24%	7.85%	8.57%	1.81	0.88	1.15	-4.59%	-8.49%	-8.65%	3.64	4.68	17.99	+19.70%	-6.17%	+14.70%	+7.46%	-0.79%	+13.57%
Core Four Rick Ferri	4	80	20	0	+13.68%	+7.31%	+9.81%	11.83%	8.97%	10.23%	1.16	0.82	0.96	-5.97%	-10.12%	-15.17%	2.29	4.18	10.21	+18.72%	-6.41%	+17.86%	+8.53%	-0.67%	+8.52%
Edge Select Aggressive Merrill Lynch	12	84	16	0	+12.82%	+7.49%	+9.78%	12.98%	10.04%	11.26%	0.99	0.75	0.87	-6.18%	-11.20%	-16.86%	2.07	3.89	9.15	+18.31%	-6.83%	+21.17%	+9.33%	-1.77%	+6.62%
Stocks/Bonds 60/40	2	60	40	0	+12.96%	+7.55%	+9.77%	9.78%	7.22%	7.60%	1.32	1.05	1.29	-4.91%	-8.37%	-8.98%	2.64	5.24	17.15	+17.06%	-3.17%	+14.15%	+8.71%	+0.44%	+9.85%
Robo Advisor 90 Betterment	11	90.1	9.9	0	+11.47%	+6.84%	+9.45%	14.20%	10.59%	12.17%	0.81	0.65	0.78	-6.86%	-13.21%	-19.40%	1.67	2.97	7.56	+17.41%	-9.24%	+20.77%	+11.58%	-2.78%	+5.25%
Three Funds Bogleheads	3	80	20	0	+12.66%	+7.08%	+9.29%	12.10%	9.29%	10.48%	1.05	0.76	0.89	-5.82%	-10.54%	-15.77%	2.18	3.87	9.07	+17.75%	-6.89%	+19.54%	+8.39%	-1.14%	+6.07%
Four Funds Bogleheads	4	80	20	0	+12.36%	+6.97%	+9.26%	12.17%	9.35%	10.55%	1.02	0.75	0.88	-5.95%	-10.70%	-15.64%	2.08	3.74	9.11	+17.62%	-7.02%	+19.47%	+8.61%	-1.37%	+5.85%
World Developed Stocks	1	100	0	0	+12.81%	+7.25%	+9.10%	14.80%	11.65%	13.59%	0.87	0.62	0.67	-7.22%	-14.44%	-21.87%	1.77	2.90	6.35	+19.52%	-9.76%	+24.49%	+8.51%	-1.86%	+3.67%
Family Taxable Portfolio Ted Aronson	11	70	30	0	+11.20%	+6.39%	+9.04%	10.94%	8.52%	9.21%	1.02	0.75	0.98	-5.34%	-11.11%	-11.34%	2.10	3.27	12.14	+15.49%	-7.49%	+17.45%	+11.23%	-2.31%	+6.08%
Lazy Portfolio David Swensen	6	70	30	0	+14.28%	+6.30%	+8.99%	9.80%	7.65%	9.04%	1.46	0.82	0.99	-5.00%	-8.16%	-12.41%	2.86	4.38	11.00	+17.72%	-5.64%	+13.65%	+7.80%	-0.93%	+10.17%
Robo Advisor 80 Betterment	10	80	20	0	+11.59%	+6.52%	+8.96%	12.56%	9.46%	10.85%	0.92	0.69	0.83	-5.88%	-11.77%	-16.97%	1.97	3.15	8.00	+16.52%	-8.27%	+19.00%	+10.80%	-2.45%	+5.37%
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+12.84%	+6.89%	+8.94%	10.74%	8.39%	9.36%	1.20	0.82	0.96	-4.86%	-9.19%	-13.40%	2.64	4.30	10.11	+16.98%	-5.65%	+18.19%	+8.27%	-1.38%	+6.58%
Coffee House Bill Schultheis	7	60	40	0	+11.68%	+6.33%	+8.90%	9.66%	7.08%	7.88%	1.21	0.89	1.13	-4.91%	-8.99%	-10.65%	2.38	3.99	12.63	+15.58%	-5.19%	+11.02%	+11.04%	-0.91%	+8.90%
No Brainer Portfolio Bill Bernstein	4	75	25	0	+8.57%	+6.36%	+8.69%	12.64%	9.15%	10.29%	0.68	0.70	0.84	-6.39%	-11.92%	-16.21%	1.34	3.03	8.03	+14.45%	-6.41%	+15.70%	+11.03%	-1.35%	+3.78%
Couch Potato Scott Burns	2	50	50	0	+11.31%	+6.30%	+8.64%	8.47%	6.35%	6.80%	1.34	0.99	1.27	-4.47%	-8.07%	-8.07%	2.53	4.43	15.99	+15.06%	-3.32%	+12.07%	+8.75%	-0.70%	+8.07%
Robust Alpha Architect	8	70	20	10	+9.86%	+5.07%	+8.62%	11.56%	8.50%	9.93%	0.85	0.60	0.87	-6.48%	-12.88%	-14.59%	1.52	2.18	8.81	+17.41%	-7.40%	+14.23%	+7.34%	-2.97%	+4.41%
Golden Butterfly	5	40	40	20	+14.36%	+6.20%	+8.21%	7.17%	5.95%	6.40%	2.00	1.04	1.28	-2.25%	-6.37%	-6.37%	6.38	5.51	18.87	+15.82%	-4.03%	+10.96%	+10.82%	-3.71%	+9.13%
Coward's Portfolio Bill Bernstein	10	60	40	0	+10.32%	+5.85%	+8.04%	9.90%	7.15%	8.02%	1.04	0.82	1.00	-4.85%	-8.63%	-11.87%	2.13	3.81	9.83	+14.38%	-5.47%	+12.34%	+10.20%	-1.44%	+6.40%
Edge Select Moderate Merrill Lynch	12	53	47	0	+12.53%	+6.13%	+7.94%	8.37%	6.64%	7.36%	1.50	0.92	1.08	-3.47%	-7.16%	-9.66%	3.61	4.84	11.86	+15.26%	-4.45%	+14.71%	+7.37%	-1.00%	+6.35%
Pinwheel	8	65	25	10	+13.24%	+5.56%	+7.80%	9.54%	7.22%	8.96%	1.39	0.77	0.87	-4.26%	-8.23%	-12.74%	3.11	3.77	8.79	+16.23%	-6.33%	+13.50%	+8.76%	-2.84%	+6.51%
Stocks/Bonds 40/60	2	40	60	0	+12.61%	+6.13%	+7.76%	6.30%	4.97%	5.13%	2.00	1.23	1.51	-2.71%	-5.37%	-5.37%	4.65	6.45	20.69	+14.36%	-2.15%	+10.63%	+6.64%	+0.48%	+8.51%
Margaritaville Scott Burns	3	67	33	0	+11.45%	+5.64%	+7.69%	9.93%	8.01%	9.16%	1.15	0.70	0.84	-4.66%	-9.98%	-12.82%	2.46	3.16	8.57	+15.36%	-6.92%	+17.22%	+7.53%	-2.03%	+3.95%
All Weather Portfolio Ray Dalio	5	30	55	15	+16.91%	+5.64%	+7.65%	5.75%	5.84%	5.61%	2.94	0.97	1.36	-0.82%	-6.93%	-6.93%	20.62	4.55	15.73	+16.95%	-3.19%	+11.47%	+5.86%	-3.72%	+12.52%
Dimensional 2030 Target Date Retirement Income Fund DFA	8	55.9	44.1	0	+11.33%	+5.68%	+7.60%	8.44%	6.72%	7.52%	1.34	0.85	1.01	-3.94%	-7.55%	-9.50%	2.88	4.22	11.38	+14.45%	-4.94%	+14.55%	+7.33%	-1.30%	+5.43%
Ideal Index Frank Armstrong	7	70	30	0	+9.53%	+5.32%	+7.45%	10.70%	7.89%	9.34%	0.89	0.67	0.80	-5.29%	-9.48%	-15.51%	1.80	3.12	6.78	+13.84%	-6.68%	+13.88%	+9.05%	-1.66%	+4.16%
Sandwich Portfolio Bob Clyatt	8	55	45	0	+10.86%	+5.59%	+7.43%	7.90%	5.99%	7.02%	1.37	0.93	1.06	-3.60%	-7.11%	-9.57%	3.02	4.39	10.94	+13.35%	-4.74%	+13.03%	+6.71%	+0.50%	+5.07%
Simple Money Portfolio Tim Maurer	7	60	40	0	+8.61%	+5.26%	+7.26%	9.27%	6.74%	7.90%	0.93	0.78	0.92	-4.28%	-8.67%	-11.27%	2.01	3.37	9.01	+12.37%	-6.64%	+13.36%	+8.15%	+0.47%	+2.33%
Ultimate Buy&Hold FundAdvice	12	60	40	0	+9.25%	+4.96%	+7.06%	8.89%	6.67%	7.88%	1.04	0.74	0.90	-4.21%	-8.57%	-11.44%	2.20	3.19	8.56	+12.52%	-6.82%	+13.19%	+8.45%	-0.58%	+3.34%
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+12.17%	+5.41%	+6.93%	5.93%	4.90%	5.39%	2.05	1.10	1.29	-2.03%	-4.74%	-5.81%	6.00	6.36	16.41	+13.44%	-2.87%	+11.26%	+6.18%	-0.47%	+6.40%
Five Asset Roger Gibson	6	60	20	20	+10.38%	+4.20%	+6.87%	10.40%	7.87%	9.79%	1.00	0.53	0.70	-5.24%	-11.50%	-15.14%	1.98	1.99	6.23	+16.50%	-7.26%	+12.32%	+9.61%	-5.77%	+3.39%
Lifepath Fund iShares	6	40.42	59.58	0	+11.91%	+5.26%	+6.71%	5.84%	4.92%	5.35%	2.04	1.07	1.25	-2.25%	-5.26%	-5.64%	5.29	5.56	16.22	+13.27%	-3.49%	+11.24%	+6.11%	-0.37%	+6.00%
Permanent Portfolio Harry Browne	4	25	50	25	+16.47%	+5.65%	+6.64%	5.40%	5.76%	6.03%	3.05	0.98	1.10	-1.10%	-6.98%	-6.98%	14.97	4.53	12.93	+15.03%	-1.76%	+10.97%	+5.54%	-3.06%	+9.40%
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+13.42%	+4.51%	+6.46%	5.40%	5.04%	5.53%	2.48	0.89	1.17	-1.40%	-6.22%	-6.22%	9.59	3.97	14.00	+15.00%	-4.12%	+9.02%	+7.14%	-3.26%	+7.59%
Desert Portfolio Gyroscopic Investing	3	30	60	10	+12.02%	+5.12%	+6.39%	4.70%	3.84%	4.47%	2.56	1.34	1.43	-1.34%	-2.76%	-3.24%	8.97	10.26	26.46	+12.25%	-0.94%	+8.38%	+5.39%	+0.02%	+5.45%
Ivy Portfolio Mebane Faber	5	60	20	20	+9.84%	+3.30%	+6.21%	11.20%	8.32%	10.00%	0.88	0.40	0.62	-6.12%	-13.85%	-15.88%	1.61	1.27	5.21	+16.99%	-7.88%	+12.20%	+7.80%	-7.10%	+2.25%
European Stocks	1	100	0	0	+11.48%	+3.91%	+5.50%	13.64%	12.86%	16.64%	0.84	0.30	0.33	-5.67%	-19.45%	-27.75%	2.02	1.09	2.55	+17.94%	-14.91%	+26.99%	-0.37%	-1.94%	-7.10%
7Twelve Portfolio Craig Israelsen	9	50	33.34	16.66	+7.38%	+2.79%	+5.37%	10.03%	7.22%	8.52%	0.74	0.39	0.63	-5.16%	-12.41%	-14.39%	1.43	1.19	4.77	+13.22%	-6.55%	+10.67%	+7.99%	-6.68%	+0.05%
Larry Portfolio Larry Swedroe	4	30	70	0	+8.41%	+3.72%	+5.12%	4.68%	3.69%	4.30%	1.80	1.01	1.19	-1.45%	-4.08%	-4.08%	5.80	4.90	15.86	+8.73%	-3.54%	+7.74%	+6.87%	-0.54%	+2.38%
Edge Select Conservative Merrill Lynch	12	21	79	0	+9.22%	+3.94%	+4.91%	3.43%	2.90%	3.20%	2.69	1.36	1.53	-0.92%	-2.46%	-2.88%	10.02	8.67	21.35	+9.42%	-1.01%	+6.61%	+4.68%	-0.16%	+4.86%
10-year Treasury	1	0	100	0	+14.37%	+3.41%	+4.32%	5.47%	5.29%	5.78%	2.63	0.64	0.75	-1.19%	-7.17%	-7.60%	12.08	2.54	6.93	+9.80%	+0.99%	+2.55%	+1.00%	+1.51%	+9.07%
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+7.85%	+3.22%	+4.31%	3.46%	3.13%	3.63%	2.27	1.03	1.19	-1.22%	-3.40%	-4.34%	6.43	5.04	12.08	+8.41%	-1.96%	+6.78%	+4.66%	-0.87%	+2.89%
Emerging Markets	1	100	0	0	+13.72%	+2.29%	+3.74%	14.88%	15.26%	17.91%	0.92	0.15	0.21	-6.38%	-28.01%	-30.74%	2.15	0.43	1.44	+12.23%	-14.77%	+31.48%	+12.21%	-15.81%	-0.07%
Conservative Income Charles Schwab	6	5	95	0	+9.20%	+2.85%	+3.57%	2.38%	2.56%	2.66%	3.86	1.11	1.34	-0.27%	-2.54%	-4.31%	34.07	5.92	9.76	+8.12%	-0.17%	+2.91%	+3.48%	-0.30%	+5.05%
Gold	1	0	0	100	+23.69%	+4.80%	+3.34%	11.96%	13.60%	16.67%	1.98	0.35	0.20	-3.39%	-17.81%	-42.90%	6.99	1.48	0.91	+17.47%	-1.94%	+12.81%	+8.03%	-10.67%	-2.19%
Robo Advisor 0 Betterment	2	0	100	0	+4.82%	+1.35%	+1.24%	1.13%	1.06%	0.99%	4.28	1.27	1.25	-0.16%	-1.01%	-1.01%	30.13	6.89	13.03	+3.59%	+1.44%	+0.45%	+0.92%	+0.53%	+0.63%
Short Term Treasury	1	0	100	0	+4.45%	+1.21%	+1.06%	1.04%	0.98%	0.90%	4.27	1.24	1.17	-0.13%	-0.91%	-0.91%	34.23	6.82	12.27	+3.27%	+1.46%	+0.26%	+0.82%	+0.43%	+0.45%

Returns and KPIs are calculated on the hypothesis of a yearly rebalancing of the portfolios (at the beginning of the year). Returns refer to investiments in US Dollars.

Return / Risk Charts: