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.

Interested in short term returns? Click here.

Do you want to focus on Dividends? Click here.

Portfolio Risk:
Last Update - 30 Jun 2021
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y  ▾
Technology
1 100 0 0 +43.75 +27.94 +21.25
US Stocks
1 100 0 0 +44.42 +17.90 +14.70
Warren Buffett
2 90 10 0 +37.72 +16.49 +13.58
Stocks/Bonds 80/20
2 80 20 0 +34.33 +14.94 +12.51
Simple Path to Wealth
JL Collins
2 75 25 0 +31.89 +14.20 +11.96
Second Grader's Starter
Paul Farrell
3 90 10 0 +36.93 +14.45 +10.95
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +34.94 +14.27 +10.50
Stocks/Bonds 60/40
2 60 40 0 +24.81 +11.98 +10.28
Robo Advisor 100
Betterment
6 100 0 0 +42.58 +13.95 +10.22
All Country World Stocks
1 100 0 0 +41.12 +14.79 +10.13
Core Four
Rick Ferri
4 80 20 0 +31.79 +12.54 +10.05
Four Funds
Bogleheads
4 80 20 0 +32.74 +13.08 +9.87
Three Funds
Bogleheads
3 80 20 0 +31.94 +12.98 +9.86
Robo Advisor 90
Betterment
11 90.1 9.9 0 +38.80 +13.09 +9.74
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +44.70 +12.16 +9.49
Yale Endowment
David Swensen
6 70 30 0 +25.31 +10.25 +9.47
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +25.12 +9.47 +9.47
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +28.31 +12.49 +9.47
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +33.21 +12.35 +9.40
Mid-Twenties
Burton Malkiel
8 87 13 0 +34.17 +12.52 +9.39
Mid-Fifties
Burton Malkiel
8 80 20 0 +31.00 +11.66 +9.23
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +30.71 +11.55 +9.21
Couch Potato
Scott Burns
2 50 50 0 +23.99 +10.98 +9.18
Robo Advisor 80
Betterment
10 80 20 0 +34.02 +12.01 +9.13
All Country World 80/20
4 80 20 0 +32.06 +12.52 +9.02
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +34.42 +11.85 +8.99
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +27.07 +10.49 +8.76
Lazy Portfolio
David Swensen
6 70 30 0 +27.42 +10.17 +8.56
Coffee House
Bill Schultheis
7 60 40 0 +26.72 +9.37 +8.49
Edge Select Moderate
Merrill Lynch
12 53 47 0 +21.70 +10.40 +8.23
Margaritaville
Scott Burns
3 67 33 0 +28.01 +11.20 +8.18
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +23.68 +10.36 +8.02
Robust
Alpha Architect
8 70 20 10 +32.06 +10.04 +8.02
Stocks/Bonds 40/60
2 40 60 0 +15.84 +8.99 +8.00
Coward's Portfolio
Bill Bernstein
10 60 40 0 +26.64 +9.59 +7.99
Golden Butterfly
5 40 40 20 +17.56 +8.69 +7.96
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +30.63 +10.73 +7.93
All Country World 60/40
4 60 40 0 +23.52 +10.22 +7.85
All Weather Portfolio
Ray Dalio
5 30 55 15 +9.97 +7.54 +7.72
Dynamic 60/40 Income
5 60 40 0 +21.66 +7.66 +7.52
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +24.45 +10.00 +7.38
Aggressive Global Income
4 80 20 0 +30.83 +8.62 +7.32
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +21.43 +8.94 +7.29
Ideal Index
Frank Armstrong
7 70 30 0 +29.23 +9.44 +7.25
Robo Advisor 50
Betterment
10 49.9 50.1 0 +20.50 +8.67 +7.20
Pinwheel
8 65 25 10 +25.98 +9.17 +7.16
Simple Money Portfolio
Tim Maurer
7 60 40 0 +24.58 +8.60 +7.12
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +26.51 +8.60 +7.09
GAA Global Asset Allocation
Meb Faber
10 40.5 49.5 10 +15.75 +8.02 +7.06
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +14.99 +8.28 +6.97
Lifepath Fund
iShares
6 40.4 59.6 0 +15.82 +8.19 +6.85
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +24.57 +8.27 +6.73
All Country World 40/60
4 40 60 0 +15.47 +7.89 +6.62
Dynamic 40/60 Income
5 40 60 0 +16.07 +7.02 +6.54
Five Asset
Roger Gibson
6 60 20 20 +33.34 +9.13 +6.45
Developed World ex-US Stocks
1 100 0 0 +36.44 +10.90 +6.36
Permanent Portfolio
Harry Browne
4 25 50 25 +6.56 +6.90 +6.31
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +10.89 +7.21 +6.24
Developed World ex-US 80/20
2 80 20 0 +28.18 +9.42 +6.16
European Stocks
1 100 0 0 +38.18 +10.99 +6.08
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +15.24 +6.68 +6.08
Developed World ex-US 60/40
2 60 40 0 +20.44 +7.87 +5.87
High Yield Bonds Income
4 0 100 0 +9.21 +5.74 +5.79
Ivy Portfolio
Mebane Faber
5 60 20 20 +32.93 +8.33 +5.75
Stocks/Bonds 20/80
2 20 80 0 +7.38 +5.99 +5.67
Developed World ex-US 40/60
2 40 60 0 +13.19 +6.26 +5.49
All Country World 20/80
4 20 80 0 +7.86 +5.52 +5.33
Paul Boyer Permanent Portfolio
Paul Boyer
5 25 50 25 +7.61 +6.20 +5.03
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +28.63 +7.72 +5.03
Developed World ex-US 20/80
2 20 80 0 +6.38 +4.57 +5.00
Larry Portfolio
Larry Swedroe
4 30 70 0 +12.89 +5.52 +4.79
Edge Select Conservative
Merrill Lynch
12 21 79 0 +8.40 +5.26 +4.73
Total Bond Developed World ex-US
1 0 100 0 -0.01 +2.82 +4.43
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +10.86 +5.51 +4.38
All Country World Bonds
3 0 100 0 +0.67 +3.14 +3.97
Robo Advisor 20
Betterment
12 19.9 80.1 0 +7.90 +4.58 +3.84
10-year Treasury
1 0 100 0 -4.45 +2.19 +3.76
Emerging Markets Stocks
1 100 0 0 +39.95 +12.18 +3.57
Total Bond US
1 0 100 0 -0.59 +2.98 +3.29
Conservative Income
Charles Schwab
6 5 95 0 +3.25 +3.13 +3.16
Robo Advisor 10
Betterment
12 9.9 90.1 0 +3.86 +3.10 +2.53
Gold
1 0 0 100 -1.04 +5.54 +1.27
Robo Advisor 0
Betterment
2 0 100 0 +0.01 +1.60 +1.23
Short Term Treasury
1 0 100 0 -0.06 +1.47 +1.08
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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