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.

A Classic Lazy Portfolio contains the main traditional asset classes, with the aim to achieve above-average returns while taking a below-average risk.

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

Choose a Lazy Portfolio Type:
Last Update - 31 December 2021

We have 92 Classic Portfolios in our database

Risk Filter:

Low

Medium

High

Very High

Cells with red background indicate returns lower than the US Inflation recorded in the same period. Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 5Y: 2.92% , 10Y: 2.12% , 25Y: 2.29%
Portfolio returns are updated to 31 December 2021. Click here for short term returns.

Swipe left to see all data

		% Allocation			Ann. Returns (%)				St.Dev. (%)				Ann. Return / St.Dev.				Max Drawdown (%)				Return / Drawdown				YTD(%)	Yearly Returns (%)					Dividend Yield (%) - Click for details
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	27.42	28.34	22.88	13.30	12.28	17.00	15.33	24.68	2.23	1.67	1.49	0.54	-5.68	-16.96	-16.96	-81.08	4.83	1.67	1.35	0.16	27.42	48.40	38.96	-0.12	32.66	7.10	0.54	0.64	1.03	0.91	1.10	1.13
US Stocks	1	100	0	0	25.67	17.96	16.29	9.88	10.05	15.71	13.44	15.71	2.55	1.14	1.21	0.63	-4.46	-20.84	-20.84	-50.84	5.76	0.86	0.78	0.19	25.67	21.03	30.67	-5.21	21.21	12.83	1.51	1.71	2.29	1.91	2.05	2.14
Warren Buffett Portfolio Warren Buffett	2	90	10	0	24.59	17.06	15.11	9.38	9.63	13.75	11.78	13.73	2.55	1.24	1.28	0.68	-4.32	-17.49	-17.49	-45.53	5.69	0.98	0.86	0.21	24.59	19.19	28.46	-3.84	19.83	10.69	1.38	1.67	2.33	1.95	2.00	2.03
Aggressive Global Income	4	80	20	0	17.07	7.70	8.37	9.25	8.79	12.97	11.62	14.83	1.94	0.59	0.72	0.62	-3.13	-23.84	-23.84	-52.62	5.45	0.32	0.35	0.18	17.07	-1.13	19.97	-8.07	13.53	18.29	3.67	3.52	4.21	3.93	3.98	4.60
Stocks/Bonds 80/20	2	80	20	0	20.16	15.16	13.67	9.17	8.40	12.64	10.79	12.47	2.40	1.20	1.27	0.74	-3.88	-16.53	-16.53	-41.09	5.20	0.92	0.83	0.22	20.16	18.36	26.30	-4.19	17.68	10.77	1.62	1.87	2.41	2.08	2.16	2.22
Simple Path to Wealth JL Collins	2	75	25	0	18.79	14.46	13.01	8.96	7.98	11.88	10.14	11.68	2.36	1.22	1.28	0.77	-3.72	-15.47	-15.47	-38.54	5.05	0.93	0.84	0.23	18.79	17.70	25.21	-3.94	16.80	10.25	1.65	1.92	2.45	2.13	2.19	2.24
Yale Endowment David Swensen	6	70	30	0	17.53	11.74	10.17	8.94	8.11	9.97	8.99	10.73	2.16	1.18	1.13	0.83	-3.85	-13.19	-13.19	-39.46	4.55	0.89	0.77	0.23	17.53	12.03	22.65	-6.20	14.99	7.39	2.65	2.12	2.91	2.73	2.83	2.84
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	21.44	11.24	10.45	8.80	8.77	10.39	9.11	10.69	2.45	1.08	1.15	0.82	-3.93	-15.15	-15.15	-40.18	5.46	0.74	0.69	0.22	21.44	8.02	22.79	-3.78	9.90	7.99	2.37	2.63	3.16	3.00	2.99	3.25
Mid-Fifties Burton Malkiel	8	80	20	0	15.75	12.13	10.44	8.77	8.30	12.10	10.64	13.11	1.90	1.00	0.98	0.67	-3.95	-18.64	-18.64	-46.21	3.99	0.65	0.56	0.19	15.75	11.71	23.79	-7.10	19.19	8.92	2.30	2.23	3.16	2.70	2.82	2.87
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	19.37	11.00	11.09	8.74	9.72	15.92	13.76	16.07	1.99	0.69	0.81	0.54	-3.67	-27.54	-27.54	-57.21	5.28	0.40	0.40	0.15	19.37	6.40	23.62	-11.86	21.78	12.36	2.79	2.06	3.37	2.53	2.89	2.80
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	15.84	12.56	10.72	8.65	8.33	12.63	11.16	13.77	1.90	0.99	0.96	0.63	-3.97	-19.37	-19.37	-48.28	3.99	0.65	0.55	0.18	15.84	12.75	24.10	-7.61	20.64	8.99	2.23	2.11	3.05	2.54	2.69	2.70
Late Sixties and Beyond Burton Malkiel	8	71	29	0	15.40	11.27	9.81	8.63	8.04	10.95	9.59	11.74	1.91	1.03	1.02	0.73	-3.79	-16.82	-16.82	-41.80	4.06	0.67	0.58	0.21	15.40	10.03	22.55	-5.90	16.49	8.48	2.25	2.27	3.19	2.81	2.83	2.91
Mid-Twenties Burton Malkiel	8	87	13	0	15.90	12.62	10.76	8.55	8.35	12.87	11.40	14.13	1.90	0.98	0.94	0.61	-3.98	-19.80	-19.80	-49.50	3.99	0.64	0.54	0.17	15.90	12.95	24.15	-7.95	21.11	8.95	2.22	2.07	3.04	2.50	2.67	2.66
Edge Select Aggressive Merrill Lynch	12	84	16	0	15.74	13.96	11.78	8.50	7.50	12.65	11.20	13.41	2.10	1.10	1.05	0.63	-3.70	-17.65	-17.65	-45.64	4.25	0.79	0.67	0.19	15.74	17.62	24.61	-6.88	21.70	9.21	1.85	1.73	2.60	2.10	2.29	2.23
Robo Advisor 100 Betterment	6	100	0	0	18.02	13.03	11.83	8.42	8.97	15.21	13.37	16.16	2.01	0.86	0.88	0.52	-3.75	-24.13	-24.13	-54.55	4.81	0.54	0.49	0.15	18.02	12.47	25.35	-10.13	23.37	11.17	2.34	1.94	2.89	2.23	2.46	2.40
Lazy Portfolio David Swensen	6	70	30	0	17.34	11.08	9.58	8.41	7.54	10.10	9.01	10.83	2.30	1.10	1.06	0.78	-3.57	-14.65	-14.65	-40.88	4.86	0.76	0.65	0.21	17.34	10.56	21.27	-5.67	13.94	7.74	2.51	2.03	2.85	2.63	2.65	2.65
Robo Advisor 90 Betterment	11	90.1	9.9	0	16.04	12.27	11.12	8.38	8.23	13.96	12.24	14.71	1.95	0.88	0.91	0.57	-3.56	-22.15	-22.15	-50.07	4.51	0.55	0.50	0.17	16.04	12.42	23.85	-9.42	21.88	10.80	2.36	1.94	2.92	2.31	2.56	2.43
Second Grader's Starter Paul Farrell	3	90	10	0	17.70	14.19	12.42	8.34	8.30	13.48	11.84	14.07	2.13	1.05	1.05	0.59	-3.84	-19.32	-19.32	-48.52	4.61	0.73	0.64	0.17	17.70	16.72	25.83	-7.40	21.30	9.42	2.09	1.94	2.78	2.25	2.49	2.45
Couch Potato Scott Burns	2	50	50	0	15.67	11.67	9.77	8.33	5.94	8.56	7.37	8.41	2.64	1.36	1.33	0.99	-2.76	-10.72	-10.72	-27.03	5.68	1.09	0.91	0.31	15.67	15.93	19.51	-3.32	12.07	8.75	2.96	1.50	2.09	2.27	2.08	1.84
Core Four Rick Ferri	4	80	20	0	17.18	12.81	11.30	8.31	7.93	11.88	10.38	12.27	2.17	1.08	1.09	0.68	-3.72	-17.12	-17.12	-44.43	4.62	0.75	0.66	0.19	17.18	13.93	24.04	-6.41	17.86	8.53	2.20	2.14	2.91	2.48	2.65	2.67
Stocks/Bonds 60/40	2	60	40	0	14.66	12.32	11.01	8.28	6.71	9.65	8.22	9.38	2.18	1.28	1.34	0.88	-3.24	-12.29	-12.29	-30.54	4.52	1.00	0.90	0.27	14.66	15.70	21.94	-3.17	14.15	8.71	1.73	2.04	2.54	2.25	2.27	2.30
Robo Advisor 80 Betterment	10	80	20	0	13.94	11.33	10.28	8.24	7.40	12.53	11.00	13.23	1.88	0.90	0.93	0.62	-3.34	-19.90	-19.90	-45.48	4.17	0.57	0.52	0.18	13.94	11.77	22.23	-8.43	20.00	10.10	2.47	1.97	2.99	2.43	2.60	2.47
Family Taxable Portfolio Ted Aronson	11	70	30	0	11.93	10.91	9.76	8.24	5.65	10.79	9.55	11.51	2.11	1.01	1.02	0.72	-2.70	-15.49	-15.49	-38.47	4.42	0.70	0.63	0.21	11.93	14.59	19.91	-7.55	18.03	11.10	2.47	1.80	2.63	2.30	2.43	2.30
Golden Butterfly	5	40	40	20	9.35	9.38	7.75	8.17	5.09	7.05	6.62	7.44	1.84	1.33	1.17	1.10	-2.45	-7.15	-7.15	-14.80	3.82	1.31	1.08	0.55	9.35	13.93	18.03	-4.03	10.96	10.82	1.03	1.09	1.81	1.54	1.44	1.41
Jane Bryant Quinn's Portfolio Jane Bryant Quinn	5	70	30	0	16.85	11.79	10.43	8.17	7.51	10.60	9.23	10.68	2.24	1.11	1.13	0.76	-3.45	-15.08	-15.08	-39.55	4.88	0.78	0.69	0.21	16.85	12.52	22.28	-5.80	15.26	7.50	2.50	2.13	2.84	2.57	2.67	2.64
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	12.88	12.37	10.43	8.09	6.44	10.59	9.40	11.12	2.00	1.17	1.11	0.73	-3.28	-14.28	-14.28	-38.22	3.93	0.87	0.73	0.21	12.88	16.02	22.30	-5.68	18.60	8.18	1.82	1.86	2.71	2.26	2.36	2.35
Four Funds Bogleheads	4	80	20	0	15.70	12.95	11.12	8.07	7.43	12.02	10.61	12.55	2.11	1.08	1.05	0.64	-3.50	-17.10	-17.10	-44.07	4.49	0.76	0.65	0.18	15.70	15.71	23.60	-7.02	19.47	8.61	2.38	1.89	2.73	2.32	2.50	2.39
Marc Faber Portfolio Marc Faber	6	50	25	25	12.98	10.09	7.35	8.07	8.36	8.69	8.39	9.68	1.55	1.16	0.88	0.83	-3.70	-11.30	-11.30	-28.82	3.51	0.89	0.65	0.28	12.98	11.15	20.49	-4.39	11.79	6.97	1.94	2.02	2.52	2.33	2.38	2.51
Three Funds Bogleheads	3	80	20	0	14.95	12.79	11.10	7.96	7.44	11.95	10.55	12.49	2.01	1.07	1.05	0.64	-3.53	-17.02	-17.02	-43.68	4.24	0.75	0.65	0.18	14.95	15.39	23.65	-6.89	19.54	8.39	2.15	2.02	2.84	2.33	2.54	2.49
Coffee House Bill Schultheis	7	60	40	0	15.24	9.17	9.11	7.96	6.21	9.80	8.35	9.55	2.45	0.94	1.09	0.83	-2.68	-15.36	-15.36	-33.93	5.69	0.60	0.59	0.23	15.24	7.45	18.99	-5.19	11.02	11.04	2.31	2.25	2.89	2.56	2.57	2.64
Gone Fishin' Portfolio Alexander Green	10	65	30	5	11.58	10.17	8.78	7.92	6.40	10.97	9.74	12.19	1.81	0.93	0.90	0.65	-2.98	-17.17	-17.17	-43.03	3.89	0.59	0.51	0.18	11.58	12.37	19.76	-7.32	16.62	10.50	2.60	2.16	2.90	2.56	2.64	2.61
Robust Alpha Architect	8	70	20	10	15.71	10.36	9.08	7.91	8.03	12.03	10.20	11.46	1.96	0.86	0.89	0.69	-3.52	-19.46	-19.46	-45.15	4.46	0.53	0.47	0.18	15.71	9.55	22.11	-7.40	14.23	7.34	1.43	1.27	2.02	1.68	1.74	1.86
Vanguard LifeStrategy Growth Fund Vanguard	4	80	20	0	14.57	12.61	10.99	7.90	7.34	11.92	10.56	12.53	1.99	1.06	1.04	0.63	-3.51	-17.22	-17.22	-44.18	4.15	0.73	0.64	0.18	14.57	15.01	23.41	-6.89	19.59	8.36	2.27	1.95	2.91	2.37	2.55	2.48
All Weather Portfolio Ray Dalio	5	30	55	15	8.08	9.60	7.05	7.89	6.74	6.30	6.01	6.82	1.20	1.52	1.17	1.16	-3.71	-4.76	-6.93	-12.19	2.18	2.02	1.02	0.65	8.08	14.68	18.22	-3.19	11.47	5.86	1.13	1.40	2.03	1.89	1.89	1.88
Pinwheel	8	65	25	10	13.53	9.56	8.05	7.81	6.91	9.68	8.76	10.58	1.96	0.99	0.92	0.74	-3.10	-14.99	-14.99	-36.89	4.36	0.64	0.54	0.21	13.53	9.12	19.31	-6.39	14.08	8.63	1.79	1.62	2.58	2.16	2.14	2.11
No Brainer Portfolio Bill Bernstein	4	75	25	0	15.39	10.81	10.10	7.69	6.64	11.80	10.29	11.91	2.32	0.92	0.98	0.65	-2.73	-18.24	-18.24	-40.40	5.64	0.59	0.55	0.19	15.39	11.61	19.82	-6.41	15.70	11.03	1.74	1.53	2.49	1.97	1.94	1.87
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	12.36	10.64	8.77	7.68	5.60	8.67	7.72	9.07	2.21	1.23	1.14	0.85	-2.79	-11.59	-11.59	-31.78	4.43	0.92	0.76	0.24	12.36	13.87	18.74	-4.97	14.85	7.26	2.87	1.63	2.52	2.36	2.31	2.04
Margaritaville Scott Burns	3	67	33	0	13.33	11.23	9.18	7.64	6.23	10.18	9.17	10.83	2.14	1.10	1.00	0.71	-2.96	-14.40	-14.40	-38.70	4.50	0.78	0.64	0.20	13.33	14.40	20.39	-6.92	17.22	7.53	3.04	1.73	2.62	2.42	2.49	2.24
Robo Advisor 50 Betterment	10	49.9	50.1	0	7.95	8.44	7.69	7.63	5.00	8.48	7.52	9.18	1.59	1.00	1.02	0.83	-2.64	-13.31	-13.31	-30.72	3.01	0.63	0.58	0.25	7.95	9.50	17.41	-5.36	14.19	8.00	2.80	2.06	3.20	2.79	2.69	2.58
Sandwich Portfolio Bob Clyatt	8	55	45	0	9.88	8.91	7.93	7.62	5.24	7.75	6.94	8.13	1.89	1.15	1.14	0.94	-2.74	-10.74	-10.74	-28.96	3.61	0.83	0.74	0.26	9.88	10.59	16.81	-4.77	13.38	6.63	1.55	1.53	2.61	2.10	2.06	1.95
Edge Select Moderate Merrill Lynch	12	53	47	0	9.66	10.38	8.83	7.55	5.19	8.43	7.49	8.73	1.86	1.23	1.18	0.87	-2.75	-10.96	-10.96	-29.57	3.51	0.95	0.81	0.26	9.66	13.88	19.44	-4.47	15.00	7.31	1.77	1.93	2.80	2.40	2.39	2.40
Simple Money Portfolio Tim Maurer	7	60	40	0	10.46	7.73	7.82	7.55	6.02	9.13	8.08	9.01	1.74	0.85	0.97	0.84	-2.79	-14.56	-14.56	-32.39	3.75	0.53	0.54	0.23	10.46	6.87	16.14	-6.64	13.36	8.15	1.99	1.57	2.95	2.24	2.28	2.07
Five Asset Roger Gibson	6	60	20	20	22.77	10.14	7.71	7.49	8.68	11.35	9.89	11.50	2.62	0.89	0.78	0.65	-3.55	-19.29	-19.29	-44.74	6.41	0.53	0.40	0.17	22.77	5.29	20.35	-7.26	12.32	9.61	2.16	1.93	3.02	2.60	2.44	2.53
Simplified Permanent Portfolio	3	25	50	25	3.72	8.74	5.97	7.48	6.03	5.63	5.93	6.61	0.62	1.55	1.01	1.13	-3.82	-3.82	-6.69	-13.28	0.97	2.29	0.89	0.56	3.72	16.46	16.15	-1.29	9.78	5.72	0.78	1.02	1.68	1.60	1.44	1.44
Ultimate Buy&Hold FundAdvice	12	60	40	0	11.49	7.72	7.45	7.46	6.00	9.01	7.99	9.25	1.91	0.86	0.93	0.81	-2.61	-15.07	-15.07	-34.23	4.41	0.51	0.49	0.22	11.49	5.84	16.24	-6.85	13.54	8.37	2.22	1.73	2.84	2.37	2.35	2.19
Coward's Portfolio Bill Bernstein	10	60	40	0	13.47	9.10	8.73	7.46	5.97	9.56	8.25	9.46	2.26	0.95	1.06	0.79	-2.51	-15.14	-15.14	-33.86	5.37	0.60	0.58	0.22	13.47	8.12	18.34	-5.49	12.63	10.13	1.73	1.81	2.75	2.27	2.14	2.13
GAA Global Asset Allocation Mebane Faber	10	40.5	49.5	10	8.69	9.12	7.20	7.44	5.82	7.38	6.72	7.68	1.49	1.24	1.07	0.97	-2.47	-9.35	-9.35	-24.92	3.52	0.98	0.77	0.30	8.69	11.18	19.10	-5.13	13.30	6.40	2.20	1.86	2.90	2.52	2.51	2.48
Vanguard LifeStrategy Moderate Growth Vanguard	4	60	40	0	10.43	10.38	9.08	7.37	5.74	9.06	8.04	9.42	1.82	1.15	1.13	0.78	-2.95	-12.56	-12.56	-33.52	3.54	0.83	0.72	0.22	10.43	12.96	19.70	-4.98	15.50	7.06	2.33	1.99	2.96	2.49	2.54	2.45
Dynamic 60/40 Income	5	60	40	0	15.27	8.72	8.39	7.35	6.55	8.77	7.47	9.36	2.33	0.99	1.12	0.78	-2.58	-14.25	-14.25	-41.44	5.92	0.61	0.59	0.18	15.27	6.26	18.59	-3.28	8.11	7.39	2.81	3.17	4.05	3.81	3.70	3.90
Stocks/Bonds 40/60	2	40	60	0	9.15	9.44	8.30	7.24	5.04	6.80	5.79	6.51	1.81	1.39	1.43	1.11	-2.56	-8.09	-8.09	-19.17	3.57	1.17	1.03	0.38	9.15	13.04	17.57	-2.15	10.63	6.64	1.84	2.20	2.66	2.43	2.38	2.38
Big Rocks Portfolio Larry Swedroe	11	60	40	0	13.59	7.85	7.90	7.16	6.18	9.37	8.11	9.23	2.20	0.84	0.97	0.78	-2.22	-15.62	-15.62	-33.81	6.12	0.50	0.51	0.21	13.59	5.25	15.98	-5.45	11.28	9.71	1.65	1.57	2.72	2.14	1.97	1.86
Dynamic 40/60 Income	5	40	60	0	6.72	7.20	6.92	7.09	4.45	7.45	6.24	8.05	1.51	0.97	1.11	0.88	-1.83	-12.42	-12.42	-29.85	3.67	0.58	0.56	0.24	6.72	8.28	15.91	-3.18	9.18	7.53	2.85	3.24	4.21	3.98	3.81	3.91
Rob Arnott Portfolio Rob Arnott	8	30	60	10	11.04	7.90	6.22	7.08	5.39	6.50	5.98	6.87	2.05	1.21	1.04	1.03	-1.71	-8.71	-8.71	-24.26	6.46	0.91	0.71	0.29	11.04	7.98	16.67	-4.12	9.02	7.14	2.57	1.88	3.13	2.84	2.55	2.53
Ideal Index Frank Armstrong	7	70	30	0	13.98	8.85	8.33	7.07	6.77	10.43	9.19	10.84	2.07	0.85	0.91	0.65	-2.66	-17.17	-17.17	-40.12	5.26	0.52	0.49	0.18	13.98	6.95	17.96	-6.68	13.88	9.05	1.94	1.75	2.83	2.27	2.25	2.19
Paul Boyer Portfolio Paul Boyer	5	25	50	25	0.51	7.30	4.49	7.05	4.83	5.87	6.35	7.32	0.11	1.24	0.71	0.96	-3.38	-6.72	-9.15	-13.66	0.15	1.09	0.49	0.52	0.51	15.04	13.97	-3.50	11.87	7.19	0.90	1.04	1.80	1.48	1.39	1.28
Permanent Portfolio Harry Browne	4	25	50	25	4.21	8.91	5.98	7.00	6.32	5.93	6.04	6.42	0.67	1.50	0.99	1.09	-4.43	-4.43	-6.98	-12.62	0.95	2.01	0.86	0.55	4.21	16.10	16.17	-1.76	10.97	5.54	0.73	0.94	1.73	1.53	1.34	1.20
High Yield Bonds Income	4	0	100	0	0.88	5.59	5.34	6.94	3.96	7.77	6.97	8.64	0.22	0.72	0.77	0.80	-3.16	-11.99	-11.99	-23.98	0.28	0.47	0.45	0.29	0.88	7.08	16.98	-4.53	8.78	12.01	3.76	4.38	5.32	5.01	5.10	5.64
Ivy Portfolio Mebane Faber	5	60	20	20	22.27	9.38	6.88	6.91	9.03	12.25	10.47	11.84	2.47	0.77	0.66	0.58	-4.02	-21.77	-21.77	-47.40	5.54	0.43	0.32	0.15	22.27	2.25	21.16	-7.88	12.20	7.80	2.07	2.02	2.63	2.35	2.46	2.56
Desert Portfolio Gyroscopic Investing	3	30	60	10	5.76	7.97	6.32	6.90	4.20	4.69	4.41	5.08	1.37	1.70	1.43	1.36	-2.29	-3.56	-3.56	-10.14	2.52	2.24	1.78	0.68	5.76	12.96	14.41	-0.94	8.38	5.39	0.88	1.23	1.95	1.75	1.53	1.44
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	6.44	8.41	7.24	6.87	3.99	6.21	5.58	6.43	1.61	1.35	1.30	1.07	-2.24	-7.78	-7.78	-20.49	2.88	1.08	0.93	0.34	6.44	11.65	16.41	-2.89	11.44	6.14	1.84	1.95	2.92	2.55	2.41	2.43
Lifepath Fund iShares	6	40.4	59.6	0	8.05	8.48	7.20	6.85	4.43	6.54	5.76	6.59	1.82	1.30	1.25	1.04	-2.34	-8.34	-8.34	-21.24	3.44	1.02	0.86	0.32	8.05	11.47	16.20	-3.49	11.24	6.11	2.31	2.15	2.76	2.53	2.51	2.41
All Country World 80/20	4	80	20	0	14.21	12.37	10.43	6.72	7.51	12.14	10.82	12.90	1.89	1.02	0.96	0.52	-3.60	-17.98	-17.98	-47.32	3.95	0.69	0.58	0.14	14.21	14.55	23.35	-7.79	20.43	7.66	2.27	1.98	3.01	2.44	2.64	2.59
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	16.41	7.95	5.84	6.70	7.15	10.14	8.74	9.95	2.29	0.78	0.67	0.67	-3.52	-17.91	-17.91	-37.97	4.66	0.44	0.33	0.18	16.41	3.64	17.04	-6.60	11.15	7.88	1.33	1.34	2.13	1.80	1.69	1.63
Vanguard LifeStrategy Conservative Growth Vanguard	4	40	60	0	6.29	8.10	7.13	6.69	4.21	6.35	5.67	6.54	1.50	1.28	1.26	1.02	-2.35	-8.46	-8.46	-21.90	2.68	0.96	0.84	0.31	6.29	10.90	15.98	-3.06	11.40	5.76	2.39	2.03	3.01	2.61	2.52	2.42
All Country World 60/40	4	60	40	0	10.14	10.23	8.74	6.69	5.99	9.48	8.45	10.01	1.69	1.08	1.03	0.67	-3.08	-13.81	-13.81	-36.71	3.29	0.74	0.63	0.18	10.14	12.48	19.89	-5.81	16.36	6.82	2.41	2.05	3.13	2.64	2.68	2.62
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	12.14	9.86	8.56	6.57	6.27	9.50	8.59	10.03	1.94	1.04	1.00	0.65	-2.75	-13.71	-13.71	-36.42	4.41	0.72	0.62	0.18	12.14	10.55	18.69	-5.85	15.52	5.01	1.80	1.64	2.72	2.16	2.06	1.97
All Country World Stocks	1	100	0	0	18.27	14.46	12.06	6.55	9.03	14.89	13.28	15.97	2.02	0.97	0.91	0.41	-4.10	-22.15	-22.15	-57.05	4.46	0.65	0.54	0.11	18.27	16.61	26.82	-9.76	24.49	8.51	2.13	1.91	2.90	2.25	2.59	2.55
European Stocks	1	100	0	0	16.88	10.84	8.67	6.50	12.35	16.75	15.61	18.29	1.37	0.65	0.56	0.36	-5.48	-25.66	-25.66	-59.77	3.08	0.42	0.34	0.11	16.88	6.11	24.86	-14.91	26.99	-0.37	3.49	2.85	3.99	3.28	3.37	3.42
Larry Portfolio Larry Swedroe	4	30	70	0	3.41	4.82	4.62	6.50	3.04	4.38	4.19	5.11	1.12	1.10	1.10	1.27	-2.64	-5.39	-5.39	-11.46	1.29	0.90	0.86	0.57	3.41	6.44	10.64	-3.54	7.74	6.87	1.20	1.29	2.32	1.96	1.76	1.58
All Country World 40/60	4	40	60	0	6.07	8.05	7.02	6.49	4.53	6.96	6.22	7.35	1.34	1.16	1.13	0.88	-2.52	-10.06	-10.06	-25.16	2.41	0.80	0.70	0.26	6.07	10.42	16.42	-3.84	12.29	5.97	2.55	2.13	3.24	2.83	2.73	2.66
Gold	1	0	0	100	-4.15	9.30	1.18	6.30	14.25	12.68	15.09	16.30	-0.29	0.73	0.08	0.39	-10.31	-13.73	-40.97	-42.90	-0.40	0.68	0.03	0.15	-4.15	24.81	17.86	-1.94	12.81	8.03	0.00	0.00	0.00	0.00	0.00	0.00
All Country World 20/80	4	20	80	0	2.00	5.81	5.24	6.13	3.32	4.80	4.36	5.15	0.60	1.21	1.20	1.19	-1.92	-6.55	-6.55	-14.04	1.04	0.89	0.80	0.44	2.00	8.36	12.96	-1.87	8.23	5.12	2.69	2.20	3.36	3.03	2.77	2.69
Stocks/Bonds 20/80	2	20	80	0	3.64	6.52	5.55	6.06	3.58	4.34	3.80	4.19	1.02	1.50	1.46	1.45	-1.82	-3.91	-3.91	-8.42	2.00	1.67	1.42	0.72	3.64	10.38	13.20	-1.13	7.10	4.58	1.95	2.37	2.79	2.60	2.49	2.46
Emerging Markets Stocks	1	100	0	0	-3.61	9.16	4.73	5.94	9.72	16.71	16.44	23.08	-0.37	0.55	0.29	0.26	-11.44	-29.72	-30.19	-60.44	-0.32	0.31	0.16	0.10	-3.61	17.03	18.20	-15.31	37.28	10.87	1.89	1.68	3.19	1.86	2.55	2.07
Developed World ex-US 60/40	2	60	40	0	6.09	7.53	6.80	5.91	5.71	9.01	8.56	10.13	1.07	0.84	0.79	0.58	-3.26	-14.55	-14.55	-37.48	1.87	0.52	0.47	0.16	6.09	7.71	16.72	-7.73	16.81	3.45	3.50	1.79	3.62	2.89	2.96	2.63
Vanguard LifeStrategy Income Fund Vanguard	4	20	80	0	2.15	5.78	5.12	5.87	2.98	4.04	3.70	4.17	0.72	1.43	1.38	1.41	-1.71	-4.47	-4.47	-10.54	1.26	1.29	1.15	0.56	2.15	8.85	12.26	-1.15	7.31	4.45	2.45	2.08	3.06	2.73	2.51	2.39
Developed World ex-US 40/60	2	40	60	0	3.30	6.11	5.87	5.84	3.90	6.24	6.00	7.18	0.85	0.98	0.98	0.81	-2.38	-9.83	-9.83	-26.16	1.39	0.62	0.60	0.22	3.30	6.69	13.77	-4.22	12.01	3.84	3.51	1.58	3.61	2.94	2.73	2.40
Developed World ex-US 80/20	2	80	20	0	8.88	8.87	7.66	5.82	7.61	11.97	11.28	13.36	1.17	0.74	0.68	0.44	-4.10	-19.27	-19.27	-47.74	2.17	0.46	0.40	0.12	8.88	8.72	19.67	-11.24	21.61	3.06	3.48	2.00	3.64	2.85	3.20	2.85
US Inflation Protection	1	0	100	0	5.67	5.18	2.93	5.79	3.73	3.56	4.29	5.59	1.52	1.46	0.68	1.04	-1.95	-2.48	-9.25	-11.79	2.91	2.09	0.32	0.49	5.67	10.84	8.35	-1.42	2.92	4.68	4.41	1.29	1.88	2.63	2.11	1.53
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	7.04	6.08	4.54	5.73	3.00	3.93	3.77	4.43	2.35	1.55	1.20	1.29	-1.33	-4.64	-4.64	-12.91	5.29	1.31	0.98	0.44	7.04	8.69	10.30	-1.96	6.78	4.66	3.41	1.56	2.41	2.13	2.19	1.77
All Country World Bonds	3	0	100	0	-2.06	3.52	3.42	5.64	2.92	3.62	3.48	4.07	-0.71	0.97	0.98	1.39	-3.44	-3.92	-5.14	-8.82	-0.60	0.90	0.66	0.64	-2.06	6.30	9.49	0.10	4.16	4.27	2.83	2.27	3.47	3.22	2.82	2.73
Developed World ex-US 20/80	2	20	80	0	0.51	4.61	4.87	5.61	2.59	3.91	3.85	4.85	0.20	1.18	1.27	1.16	-1.64	-5.98	-5.98	-15.54	0.31	0.77	0.81	0.36	0.51	5.67	10.82	-0.71	7.20	4.23	3.53	1.37	3.59	2.98	2.49	2.18
10-year Treasury	1	0	100	0	-3.33	3.54	2.62	5.57	4.70	4.95	5.28	6.43	-0.71	0.71	0.50	0.87	-5.73	-7.54	-7.60	-9.34	-0.58	0.47	0.34	0.60	-3.33	10.01	8.03	0.99	2.55	1.00	0.80	1.18	2.22	2.24	1.85	1.81
Developed World ex-US Stocks	1	100	0	0	11.67	10.12	8.44	5.54	9.50	15.06	14.09	16.79	1.23	0.67	0.60	0.33	-4.89	-24.15	-24.15	-57.00	2.39	0.42	0.35	0.10	11.67	9.74	22.62	-14.75	26.42	2.67	3.46	2.21	3.65	2.80	3.44	3.07
Edge Select Conservative Merrill Lynch	12	21	79	0	3.46	5.31	4.76	5.33	2.40	3.65	3.33	3.86	1.44	1.46	1.43	1.38	-1.41	-4.57	-4.57	-10.97	2.45	1.16	1.04	0.49	3.46	6.74	11.07	-1.01	6.67	4.67	1.51	1.56	2.79	2.42	2.00	1.87
Robo Advisor 20 Betterment	12	19.9	80.1	0	2.61	4.53	3.92	5.26	2.15	3.37	3.12	3.88	1.22	1.34	1.26	1.36	-1.26	-4.38	-4.38	-9.96	2.07	1.03	0.89	0.53	2.61	6.01	9.57	-1.42	6.24	4.01	1.60	1.58	2.70	2.30	1.87	1.69
Total Bond Developed World ex-US	1	0	100	0	-2.28	3.03	3.80	5.22	2.89	3.08	3.05	4.18	-0.79	0.98	1.25	1.25	-2.58	-2.91	-4.25	-10.04	-0.88	1.04	0.90	0.52	-2.28	4.65	7.87	2.81	2.40	4.61	3.55	1.16	3.58	3.03	2.25	1.96
Total Bond US	1	0	100	0	-1.86	3.54	2.75	4.73	2.94	3.36	3.25	3.58	-0.63	1.05	0.85	1.32	-3.64	-3.88	-4.01	-4.01	-0.51	0.91	0.69	1.18	-1.86	7.71	8.83	-0.12	3.57	2.52	2.06	2.53	2.91	2.77	2.60	2.54
Conservative Income Charles Schwab	6	5	95	0	2.43	3.76	2.95	4.68	2.37	2.77	2.83	3.21	1.03	1.36	1.04	1.46	-1.39	-2.57	-4.31	-7.02	1.74	1.46	0.68	0.67	2.43	5.45	8.37	-0.17	2.91	3.48	2.26	1.91	2.80	2.74	2.29	2.07
Robo Advisor 10 Betterment	12	9.9	90.1	0	0.88	3.09	2.50	4.21	1.11	1.67	1.64	2.21	0.79	1.85	1.52	1.90	-0.87	-1.19	-1.32	-3.57	1.01	2.60	1.90	1.18	0.88	4.71	6.61	0.02	3.34	2.45	1.05	1.36	2.45	2.04	1.49	1.28
Robo Advisor 0 Betterment	2	0	100	0	-0.79	1.62	1.09	3.13	0.52	1.08	0.96	1.61	-1.53	1.51	1.14	1.94	-0.81	-1.01	-1.01	-1.21	-0.98	1.61	1.08	2.59	-0.79	3.37	3.70	1.44	0.45	0.92	0.49	1.14	2.21	1.78	1.11	0.88
Short Term Treasury	1	0	100	0	-0.72	1.47	0.95	3.01	0.45	1.05	0.90	1.62	-1.60	1.40	1.05	1.86	-0.74	-0.91	-0.91	-1.19	-0.97	1.62	1.05	2.54	-0.72	3.03	3.38	1.46	0.26	0.82	0.26	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

Think and Grow Rich

Dividend Growth Machine: How to Supercharge Your Investment Returns with ...

Personal Finance QuickStart Guide: The Simplified Beginner’s Guide to ...

Return / Risk Charts:

We have 23 Alternative Portfolios in our database