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 your Lazy Portfolio
Consolidated returns as of 30 November 2022
Live Update at Dec 07 2022, 10:00AM Eastern Time
Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. Waiting for updates, inflation of Nov 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.22% , 5Y: 3.85% , 10Y: 2.61% , 30Y: 2.50%
Portfolio returns are updated to 30 November 2022.
Live Dec 2022 Returns are calculated on the hypothesis of a newly built portfolio, with the starting asset allocation. Once consolidated, the returns will be calculated on the actual asset weights. Portfolio Update time is Eastern Time (ET - America/New York).
Click here for short term returns
Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 30 November 2022.

The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 30 November 2022.

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. Waiting for updates, inflation of Nov 2022 is set to 0%. 2022: 6.89%, 2021: 7.04%, 2020: 1.36%, 2019: 2.29%
For further details about Dividends, click here.
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% Allocation
Ann. Return (%) - Nov 30, 2022
Chg (%)
Return (%)
St.Dev. (%)
Ann. Return / St.Dev.
Max Drawdown (%)
Return / Drawdown
YTD(%)
Yearly Returns (%)
Dividend Yield (%)
Portfolio #ETF Stocks Bonds Comm 1Y 5Y 10Y 30Y ▾ Daily Time(ET) Dec 2022 Nov 2022 1Y 5Y 10Y 30Y 1Y 5Y 10Y 30Y 1Y 5Y 10Y 30Y 1Y 5Y 10Y 30Y 2022 2021 2020 2019 2022 2021 2020 2019
Technology
 1 100 0 0 -25.05 14.37 17.23 13.02 -0.92 10:00AM
Dec 07 2022 		-4.87 5.54 25.99 21.17 17.22 23.80 -0.96 0.68 1.00 0.55 -32.49 -32.49 -32.49 -81.08 -0.77 0.44 0.53 0.16 -25.90 27.42 48.40 38.96 0.37 0.54 0.64 1.03
US Stocks Momentum
 1 100 0 0 -15.33 9.43 14.38 12.45 0.35 09:59AM
Dec 07 2022 		-2.40 3.47 23.09 18.84 15.01 15.06 -0.66 0.50 0.96 0.83 -27.29 -30.16 -30.16 -53.85 -0.56 0.31 0.48 0.23 -14.92 13.37 29.85 27.26 0.98 0.62 1.07 1.86
Stocks/Bonds 80/20 Momentum
 2 80 20 0 -14.80 7.66 11.81 11.18 0.36 10:00AM
Dec 07 2022 		-1.69 3.51 19.05 15.50 12.34 12.14 -0.78 0.49 0.96 0.92 -24.79 -27.23 -27.23 -43.61 -0.60 0.28 0.43 0.26 -14.42 10.32 25.42 23.57 1.15 0.91 1.36 2.07
US Stocks Minimum Volatility
 1 100 0 0 0.55 9.28 12.01 9.86 0.04 10:00AM
Dec 07 2022 		-1.85 5.72 18.61 14.79 12.02 13.61 0.03 0.63 1.00 0.72 -17.35 -19.06 -19.06 -43.27 0.03 0.49 0.63 0.23 -5.89 20.84 5.64 27.69 1.02 1.52 1.89 2.37
US Stocks
 1 100 0 0 -11.27 10.25 12.89 9.82 -0.36 10:00AM
Dec 07 2022 		-3.82 5.17 22.15 18.72 14.94 15.28 -0.51 0.55 0.86 0.64 -24.81 -24.81 -24.81 -50.84 -0.45 0.41 0.52 0.19 -14.51 25.67 21.03 30.67 0.94 1.51 1.71 2.29
Stocks/Bonds 60/40 Momentum
 2 60 40 0 -14.27 5.86 9.18 9.73 0.37 10:00AM
Dec 07 2022 		-0.97 3.55 15.34 12.27 9.75 9.36 -0.93 0.48 0.94 1.04 -22.29 -24.21 -24.21 -32.52 -0.64 0.24 0.38 0.30 -13.91 7.27 20.99 19.89 1.32 1.20 1.65 2.28
US Stocks Value
 1 100 0 0 5.26 8.71 11.51 9.70 -0.07 09:59AM
Dec 07 2022 		-2.81 5.96 21.00 18.63 15.01 15.11 0.25 0.47 0.77 0.64 -16.63 -26.06 -26.06 -55.41 0.32 0.33 0.44 0.18 -1.55 25.21 1.55 31.48 1.50 2.32 2.40 2.83
Sheltered Sam 100/0
Bill Bernstein 		10 97 0 3 -4.01 6.98 9.93 9.55 -0.15 10:00AM
Dec 07 2022 		-2.76 7.06 20.45 17.84 14.24 15.08 -0.20 0.39 0.70 0.63 -21.73 -25.40 -25.40 -54.91 -0.18 0.27 0.39 0.17 -8.96 23.26 7.92 25.10 1.37 2.43 2.06 2.95
Warren Buffett Portfolio
Warren Buffett 		2 90 10 0 -10.54 9.84 11.98 9.40 -0.27 10:00AM
Dec 07 2022 		-3.36 4.82 19.96 16.54 13.17 13.42 -0.53 0.60 0.91 0.70 -23.08 -23.08 -23.08 -45.52 -0.46 0.43 0.52 0.21 -13.81 24.59 19.19 28.46 0.93 1.38 1.67 2.33
Aggressive Global Income
 4 80 20 0 -0.90 3.98 6.74 9.16 0.04 10:00AM
Dec 07 2022 		-1.88 6.58 18.07 15.12 12.45 14.31 -0.05 0.26 0.54 0.64 -18.06 -23.84 -23.84 -52.63 -0.05 0.17 0.28 0.17 -5.65 17.07 -1.13 19.97 2.74 3.67 3.52 4.21
Robust
Alpha Architect 		8 70 20 10 -4.77 5.79 7.88 9.13 0.17 10:00AM
Dec 07 2022 		-2.21 4.17 15.51 13.67 10.83 10.92 -0.31 0.42 0.73 0.84 -17.33 -19.09 -19.09 -44.20 -0.28 0.30 0.41 0.21 -7.83 17.40 7.53 20.35 1.32 1.61 1.55 2.48
Sheltered Sam 90/10
Bill Bernstein 		12 87.3 10 2.7 -4.26 6.46 9.06 9.13 -0.13 10:00AM
Dec 07 2022 		-2.44 6.42 18.70 16.07 12.84 13.54 -0.23 0.40 0.71 0.67 -20.42 -22.65 -22.65 -50.12 -0.21 0.29 0.40 0.18 -8.78 21.12 7.74 23.13 1.50 2.38 1.97 2.86
Stocks/Bonds 80/20
 2 80 20 0 -11.43 8.36 10.62 9.02 -0.21 10:00AM
Dec 07 2022 		-2.82 4.86 18.71 15.34 12.18 12.25 -0.61 0.55 0.87 0.74 -22.75 -22.75 -22.75 -41.09 -0.50 0.37 0.47 0.22 -14.09 20.16 18.36 26.30 1.12 1.62 1.87 2.41
Simple Path to Wealth
JL Collins 		2 75 25 0 -11.48 7.88 10.04 8.80 -0.17 10:00AM
Dec 07 2022 		-2.57 4.78 17.88 14.52 11.51 11.51 -0.64 0.54 0.87 0.76 -22.24 -22.24 -22.24 -38.53 -0.52 0.35 0.45 0.23 -13.99 18.79 17.70 25.21 1.16 1.65 1.92 2.45
Mid-Fifties
Burton Malkiel 		8 80 20 0 -10.71 5.25 7.45 8.76 -0.14 10:00AM
Dec 07 2022 		-2.02 8.04 18.23 14.64 11.82 12.82 -0.59 0.36 0.63 0.68 -24.05 -24.05 -24.05 -46.21 -0.45 0.22 0.31 0.19 -14.37 15.75 11.71 23.79 1.45 2.30 2.23 3.16
Ultimate Buy and Hold Strategy
Paul Merriman 		10 100 0 0 -7.91 4.23 8.22 8.74 -0.19 10:00AM
Dec 07 2022 		-2.36 8.70 20.86 18.35 14.73 15.52 -0.38 0.23 0.56 0.56 -24.70 -27.54 -27.54 -57.21 -0.32 0.15 0.30 0.15 -12.40 19.37 6.40 23.62 1.60 2.79 2.06 3.37
Robo Advisor 100
Betterment 		6 100 0 0 -8.06 6.05 9.03 8.73 -0.27 10:00AM
Dec 07 2022 		-2.55 8.71 20.55 17.75 14.38 15.66 -0.39 0.34 0.63 0.56 -24.17 -24.17 -24.17 -54.55 -0.33 0.25 0.37 0.16 -11.75 18.02 12.47 25.35 1.28 2.34 1.94 2.89
Late Thirties to Early Forties
Burton Malkiel 		8 85 15 0 -10.76 5.44 7.72 8.68 -0.20 10:00AM
Dec 07 2022 		-2.20 8.20 18.50 15.15 12.27 13.45 -0.58 0.36 0.63 0.65 -24.26 -24.26 -24.26 -48.28 -0.44 0.22 0.32 0.18 -14.30 15.84 12.75 24.10 1.35 2.23 2.11 3.05
Sheltered Sam 80/20
Bill Bernstein 		12 77.6 20 2.4 -4.52 5.93 8.18 8.68 -0.10 10:00AM
Dec 07 2022 		-2.12 5.80 16.99 14.33 11.45 12.02 -0.27 0.41 0.71 0.72 -19.11 -19.89 -19.89 -45.06 -0.24 0.30 0.41 0.19 -8.60 18.98 7.57 21.16 1.63 2.33 1.87 2.77
Robo Advisor 90
Betterment 		11 90.1 9.9 0 -8.64 5.54 8.37 8.61 -0.22 10:00AM
Dec 07 2022 		-2.35 8.10 19.21 16.40 13.24 14.30 -0.45 0.34 0.63 0.60 -23.36 -23.36 -23.36 -50.07 -0.37 0.24 0.36 0.17 -11.97 16.04 12.42 23.85 1.25 2.36 1.94 2.92
Mid-Twenties
Burton Malkiel 		8 87 13 0 -11.04 5.37 7.72 8.60 -0.23 10:00AM
Dec 07 2022 		-2.27 8.32 18.64 15.39 12.48 13.78 -0.59 0.35 0.62 0.62 -24.50 -24.50 -24.50 -49.50 -0.45 0.22 0.32 0.17 -14.52 15.90 12.95 24.15 1.31 2.22 2.07 3.04
Late Sixties and Beyond
Burton Malkiel 		8 71 29 0 -9.77 5.10 7.02 8.59 -0.07 10:00AM
Dec 07 2022 		-1.77 7.22 16.92 13.35 10.75 11.51 -0.58 0.38 0.65 0.75 -22.44 -22.44 -22.44 -41.80 -0.44 0.23 0.31 0.21 -13.52 15.40 10.03 22.55 1.51 2.25 2.27 3.19
Seven Value
Scott Burns 		7 71.5 28.5 0 3.67 7.03 7.55 8.53 0.02 10:00AM
Dec 07 2022 		-2.22 4.54 18.54 14.49 11.42 11.20 0.20 0.49 0.66 0.76 -14.49 -20.44 -20.44 -41.22 0.25 0.34 0.37 0.21 -0.35 22.53 1.86 19.31 2.37 3.60 2.32 3.71
Yale Endowment
David Swensen 		6 70 30 0 -14.77 4.70 6.83 8.52 0.06 10:00AM
Dec 07 2022 		-1.13 6.63 17.86 12.99 10.57 10.72 -0.83 0.36 0.65 0.79 -25.53 -25.53 -25.53 -39.48 -0.58 0.18 0.27 0.22 -17.96 17.53 12.03 22.65 1.94 2.65 2.12 2.91
Edge Select Aggressive
Merrill Lynch 		12 84 16 0 -11.79 6.52 8.75 8.50 -0.31 10:00AM
Dec 07 2022 		-2.48 7.27 18.06 15.15 12.27 13.07 -0.65 0.43 0.71 0.65 -23.81 -23.81 -23.81 -45.65 -0.50 0.27 0.37 0.19 -14.38 15.74 17.62 24.61 1.10 1.85 1.73 2.60
Robo Advisor 80
Betterment 		10 80 20 0 -9.14 4.93 7.57 8.42 -0.16 10:00AM
Dec 07 2022 		-1.98 7.70 17.94 14.91 12.02 12.93 -0.51 0.33 0.63 0.65 -22.63 -22.63 -22.63 -45.47 -0.40 0.22 0.33 0.19 -12.13 13.94 11.77 22.23 1.35 2.47 1.97 2.99
Talmud Portfolio
Roger Gibson 		3 66.7 33.3 0 -12.40 5.43 7.38 8.37 0.03 10:00AM
Dec 07 2022 		-1.95 4.94 17.01 12.96 10.48 10.56 -0.73 0.42 0.70 0.79 -22.88 -22.88 -22.88 -40.17 -0.54 0.24 0.32 0.21 -16.42 21.44 8.02 22.79 1.52 2.37 2.63 3.16
Second Grader's Starter
Paul Farrell 		3 90 10 0 -11.13 6.88 9.35 8.31 -0.23 10:00AM
Dec 07 2022 		-2.60 7.29 19.29 16.13 13.00 13.67 -0.58 0.43 0.72 0.61 -24.21 -24.21 -24.21 -48.52 -0.46 0.28 0.39 0.17 -14.06 17.70 16.72 25.83 1.21 2.09 1.94 2.78
Six Ways from Sunday
Scott Burns 		6 66.7 33.3 0 2.94 6.59 6.68 8.28 0.03 10:00AM
Dec 07 2022 		-2.13 4.30 18.34 14.09 11.12 10.81 0.16 0.47 0.60 0.77 -14.34 -19.67 -19.67 -39.14 0.21 0.33 0.34 0.21 -0.58 21.86 1.75 18.22 2.48 3.75 2.27 3.81
Sheltered Sam 70/30
Bill Bernstein 		12 67.9 30 2.1 -4.79 5.39 7.29 8.21 -0.08 10:00AM
Dec 07 2022 		-1.81 5.18 15.31 12.62 10.10 10.54 -0.31 0.43 0.72 0.78 -17.80 -17.80 -17.80 -39.73 -0.27 0.30 0.41 0.21 -8.42 16.83 7.39 19.18 1.77 2.28 1.77 2.68
Lazy Portfolio
David Swensen 		6 70 30 0 -11.53 4.98 6.69 8.17 -0.13 10:00AM
Dec 07 2022 		-1.90 5.92 16.33 12.58 10.20 10.68 -0.71 0.40 0.66 0.76 -22.43 -22.43 -22.43 -40.89 -0.51 0.22 0.30 0.20 -14.94 17.34 10.56 21.27 1.87 2.51 2.03 2.85
Family Taxable Portfolio
Ted Aronson 		11 70 30 0 -12.51 4.16 6.87 8.15 -0.10 10:00AM
Dec 07 2022 		-1.44 6.95 17.53 13.48 10.88 11.45 -0.71 0.31 0.63 0.71 -23.76 -23.76 -23.76 -38.46 -0.53 0.18 0.29 0.21 -14.81 11.93 14.59 19.91 1.83 2.47 1.80 2.63
Core Four
Rick Ferri 		4 80 20 0 -11.46 6.03 8.31 8.15 -0.14 10:00AM
Dec 07 2022 		-2.19 6.75 17.92 14.46 11.58 11.99 -0.64 0.42 0.72 0.68 -23.46 -23.46 -23.46 -44.44 -0.49 0.26 0.35 0.18 -14.52 17.18 13.93 24.04 1.33 2.20 2.14 2.91
Stocks/Bonds 40/60 Momentum
 2 40 60 0 -13.74 4.02 6.51 8.12 0.38 10:00AM
Dec 07 2022 		-0.25 3.59 12.07 9.23 7.32 6.79 -1.14 0.44 0.89 1.20 -19.79 -21.11 -21.11 -21.11 -0.69 0.19 0.31 0.38 -13.41 4.23 16.57 16.20 1.48 1.48 1.95 2.49
Couch Potato
Scott Burns 		2 50 50 0 -11.30 6.32 7.09 8.10 -0.16 10:00AM
Dec 07 2022 		-1.51 3.45 15.11 11.15 8.81 8.59 -0.75 0.57 0.80 0.94 -19.77 -19.77 -19.77 -27.04 -0.57 0.32 0.36 0.30 -13.23 15.67 15.93 19.51 3.22 2.96 1.50 2.09
Stocks/Bonds 60/40
 2 60 40 0 -11.64 6.42 8.29 8.07 -0.05 10:00AM
Dec 07 2022 		-1.82 4.55 15.48 12.10 9.54 9.37 -0.75 0.53 0.87 0.86 -20.69 -20.69 -20.69 -30.55 -0.56 0.31 0.40 0.26 -13.67 14.66 15.70 21.94 1.29 1.73 2.04 2.54
Edge Select Moderately Aggressive
Merrill Lynch 		12 69 31 0 -11.85 5.63 7.59 8.03 -0.19 10:00AM
Dec 07 2022 		-1.91 6.65 16.30 13.04 10.51 10.94 -0.73 0.43 0.72 0.73 -22.31 -22.31 -22.31 -38.23 -0.53 0.25 0.34 0.21 -14.03 12.88 16.02 22.30 1.22 1.82 1.86 2.71
Four Funds
Bogleheads 		4 80 20 0 -11.14 6.10 8.19 8.00 -0.19 10:00AM
Dec 07 2022 		-2.14 6.92 17.91 14.58 11.75 12.27 -0.62 0.42 0.70 0.65 -23.20 -23.20 -23.20 -44.08 -0.48 0.26 0.35 0.18 -13.80 15.70 15.71 23.60 1.67 2.38 1.89 2.73
Gone Fishin' Portfolio
Alexander Green 		10 65 30 5 -10.16 4.13 6.12 7.99 -0.09 10:00AM
Dec 07 2022 		-1.64 7.00 16.55 13.30 10.73 11.94 -0.61 0.31 0.57 0.67 -21.98 -21.98 -21.98 -43.02 -0.46 0.19 0.28 0.19 -13.02 11.58 12.37 19.76 1.83 2.60 2.16 2.90
Jane Bryant Quinn Portfolio
Jane Bryant Quinn 		5 70 30 0 -11.39 5.54 7.53 7.95 -0.06 10:00AM
Dec 07 2022 		-1.82 5.99 17.26 13.26 10.56 10.57 -0.66 0.42 0.71 0.75 -22.74 -22.74 -22.74 -39.55 -0.50 0.24 0.33 0.20 -14.41 16.85 12.52 22.28 1.76 2.50 2.13 2.84
Coffeehouse
Bill Schultheis 		7 60 40 0 -8.37 4.47 6.79 7.88 0.03 10:00AM
Dec 07 2022 		-1.39 5.22 15.24 11.96 9.49 9.44 -0.55 0.37 0.72 0.84 -19.65 -19.65 -19.65 -33.93 -0.43 0.23 0.35 0.23 -11.47 15.24 7.45 18.99 1.51 2.31 2.25 2.89
Three Funds
Bogleheads 		3 80 20 0 -11.23 5.92 8.20 7.88 -0.16 10:00AM
Dec 07 2022 		-2.10 7.12 17.73 14.48 11.66 12.20 -0.63 0.41 0.70 0.65 -23.18 -23.18 -23.18 -43.68 -0.48 0.26 0.35 0.18 -13.85 14.95 15.39 23.65 1.30 2.15 2.02 2.84
LifeStrategy Growth Fund
Vanguard 		4 80 20 0 -11.11 5.78 8.09 7.84 -0.17 10:00AM
Dec 07 2022 		-2.07 7.19 17.64 14.42 11.64 12.23 -0.63 0.40 0.69 0.64 -23.11 -23.11 -23.11 -44.18 -0.48 0.25 0.35 0.18 -13.71 14.57 15.01 23.41 1.25 2.27 1.95 2.91
Long Term Portfolio
Ben Stein 		6 80 20 0 -7.96 5.13 7.38 7.81 -0.22 10:00AM
Dec 07 2022 		-2.19 6.29 16.24 14.04 11.36 12.27 -0.49 0.37 0.65 0.64 -20.52 -20.52 -20.52 -45.92 -0.39 0.25 0.36 0.17 -11.29 16.72 9.40 21.13 1.17 1.92 1.66 2.79
Golden Butterfly
 5 40 40 20 -9.57 4.78 5.57 7.80 0.27 10:00AM
Dec 07 2022 		-0.18 4.87 12.05 9.05 7.52 7.40 -0.79 0.53 0.74 1.05 -17.79 -17.79 -17.79 -17.79 -0.54 0.27 0.31 0.44 -11.33 9.35 13.93 18.03 0.85 1.03 1.09 1.81
No Brainer Portfolio
Bill Bernstein 		4 75 25 0 -7.87 5.38 7.80 7.74 -0.21 10:00AM
Dec 07 2022 		-2.23 5.46 15.86 13.80 11.14 11.57 -0.50 0.39 0.70 0.67 -19.76 -19.76 -19.76 -40.40 -0.40 0.27 0.40 0.19 -10.70 15.39 11.61 19.82 1.03 1.74 1.53 2.49
Perfect Portfolio
Ben Stein 		7 80 20 0 -5.23 6.09 7.67 7.72 -0.22 10:00AM
Dec 07 2022 		-2.39 6.18 16.41 14.05 11.36 12.25 -0.32 0.43 0.68 0.63 -18.32 -18.62 -18.62 -44.81 -0.29 0.33 0.41 0.17 -8.35 16.52 10.46 21.12 1.15 1.92 1.69 2.89
Robo Advisor 50
Betterment 		10 49.9 50.1 0 -10.36 3.11 5.15 7.71 0.02 10:00AM
Dec 07 2022 		-0.86 6.54 14.26 10.73 8.61 9.17 -0.73 0.29 0.60 0.84 -20.25 -20.25 -20.25 -30.72 -0.51 0.15 0.25 0.25 -12.33 7.95 9.50 17.41 1.75 2.80 2.06 3.20
Pinwheel
 8 65 25 10 -8.03 4.37 5.72 7.70 -0.06 10:00AM
Dec 07 2022 		-1.60 6.44 14.42 11.65 9.49 10.33 -0.56 0.37 0.60 0.75 -19.49 -19.49 -19.49 -36.89 -0.41 0.22 0.29 0.21 -11.41 13.53 9.12 19.31 1.09 1.79 1.62 2.58
Sheltered Sam 60/40
Bill Bernstein 		12 58.2 40 1.8 -5.08 4.84 6.39 7.70 -0.05 10:00AM
Dec 07 2022 		-1.49 4.57 13.66 10.95 8.76 9.10 -0.37 0.44 0.73 0.85 -16.49 -16.49 -16.49 -34.12 -0.31 0.29 0.39 0.23 -8.24 14.69 7.21 17.21 1.90 2.23 1.68 2.59
Five Fold
Scott Burns 		5 60 40 0 -11.41 4.25 5.84 7.67 -0.06 10:00AM
Dec 07 2022 		-1.36 5.54 15.44 11.48 9.34 9.57 -0.74 0.37 0.63 0.80 -21.60 -21.60 -21.60 -37.94 -0.53 0.20 0.27 0.20 -14.56 15.57 8.59 19.52 2.12 3.25 2.00 3.14
Tilt Toward Value
Time Inc 		7 60 40 0 -10.12 4.56 6.61 7.66 0.00 10:00AM
Dec 07 2022 		-1.37 5.58 14.94 11.47 9.14 9.20 -0.68 0.40 0.72 0.83 -20.45 -20.45 -20.45 -34.63 -0.50 0.22 0.32 0.22 -12.86 13.78 9.48 19.75 1.41 2.43 2.18 3.04
Gretchen Tai Portfolio
Gretchen Tai 		9 70 30 0 -12.03 4.01 6.26 7.64 -0.08 10:00AM
Dec 07 2022 		-1.47 7.45 17.27 13.40 10.85 11.52 -0.70 0.30 0.58 0.66 -23.59 -23.59 -23.59 -41.80 -0.51 0.17 0.27 0.18 -14.60 12.15 12.24 20.82 1.79 2.69 2.16 3.22
Five Asset
Roger Gibson 		6 60 20 20 -3.32 6.11 5.77 7.61 0.03 10:00AM
Dec 07 2022 		-2.54 5.33 15.22 13.12 10.52 11.15 -0.22 0.47 0.55 0.68 -16.29 -19.30 -19.30 -44.75 -0.20 0.32 0.30 0.17 -7.93 22.77 5.29 20.35 1.16 2.16 1.93 3.02
Marc Faber Portfolio
Marc Faber 		6 50 25 25 -9.42 4.86 4.80 7.56 0.20 10:00AM
Dec 07 2022 		-1.02 6.86 14.26 10.75 9.15 9.44 -0.66 0.45 0.52 0.80 -19.93 -19.93 -19.93 -28.82 -0.47 0.24 0.24 0.26 -13.34 12.98 11.15 20.49 1.17 1.94 2.02 2.52
Margaritaville
Scott Burns 		3 67 33 0 -11.06 4.99 6.42 7.52 -0.17 10:00AM
Dec 07 2022 		-1.50 6.47 16.32 12.67 10.30 10.72 -0.68 0.39 0.62 0.70 -21.96 -21.96 -21.96 -38.70 -0.50 0.23 0.29 0.19 -13.40 13.33 14.40 20.39 2.64 3.04 1.73 2.62
Nano Portfolio
John Wasik 		5 60 40 0 -11.47 4.21 5.76 7.49 0.02 10:00AM
Dec 07 2022 		-1.19 5.85 16.08 11.65 9.43 9.47 -0.71 0.36 0.61 0.79 -22.12 -22.12 -22.12 -36.66 -0.52 0.19 0.26 0.20 -14.79 16.29 8.50 19.75 2.39 3.03 2.29 3.01
Simple Money Portfolio
Tim Maurer 		7 60 40 0 -7.03 3.12 5.78 7.45 0.01 10:00AM
Dec 07 2022 		-1.12 5.77 14.30 11.14 8.97 8.93 -0.49 0.28 0.64 0.83 -18.42 -18.44 -18.44 -32.39 -0.38 0.17 0.31 0.23 -9.61 10.46 6.87 16.14 1.35 1.99 1.57 2.95
Edge Select Moderate
Merrill Lynch 		12 53 47 0 -11.72 4.50 6.23 7.43 -0.07 10:00AM
Dec 07 2022 		-1.28 5.96 14.40 10.82 8.66 8.74 -0.81 0.42 0.72 0.85 -20.56 -20.56 -20.56 -29.58 -0.57 0.22 0.30 0.25 -13.46 9.66 13.88 19.44 1.32 1.77 1.93 2.80
All Weather Portfolio
Ray Dalio 		5 30 55 15 -14.61 3.93 4.46 7.42 0.53 10:00AM
Dec 07 2022 		0.78 4.85 12.11 8.68 7.26 7.05 -1.21 0.45 0.61 1.05 -20.19 -20.19 -20.19 -20.19 -0.72 0.19 0.22 0.37 -15.77 8.08 14.68 18.22 1.01 1.13 1.40 2.03
Sandwich Portfolio
Bob Clyatt 		8 55 45 0 -10.40 3.59 5.61 7.41 -0.06 10:00AM
Dec 07 2022 		-1.31 5.18 12.91 9.81 7.90 8.15 -0.81 0.37 0.71 0.91 -19.10 -19.10 -19.10 -28.96 -0.54 0.19 0.29 0.26 -12.54 9.88 10.59 16.81 1.05 1.55 1.53 2.61
Simple and Cheap
Time Inc 		5 60 40 0 -11.55 4.34 6.27 7.40 -0.01 10:00AM
Dec 07 2022 		-1.31 5.99 14.94 11.34 9.08 9.20 -0.77 0.38 0.69 0.80 -21.27 -21.27 -21.27 -34.84 -0.54 0.20 0.30 0.21 -14.08 12.62 10.84 19.89 1.40 2.43 2.19 3.09
Ultimate Buy&Hold
FundAdvice 		12 60 40 0 -7.67 2.91 5.31 7.37 -0.05 10:00AM
Dec 07 2022 		-1.24 5.68 13.73 10.90 8.83 9.13 -0.56 0.27 0.60 0.81 -18.44 -18.44 -18.44 -34.23 -0.42 0.16 0.29 0.22 -10.56 11.49 5.84 16.24 1.79 2.22 1.73 2.84
Global Market Portfolio
Credit Suisse 		8 45 55 0 -15.10 2.93 4.89 7.34 0.19 10:00AM
Dec 07 2022 		0.18 6.95 14.71 10.04 8.18 8.02 -1.03 0.29 0.60 0.92 -23.10 -23.10 -23.10 -25.90 -0.65 0.13 0.21 0.28 -16.68 7.49 12.06 19.24 1.48 2.43 2.07 3.21
Coward's Portfolio
Bill Bernstein 		9 60 40 0 -5.33 4.55 6.48 7.32 -0.10 10:00AM
Dec 07 2022 		-1.73 4.31 12.72 10.73 8.64 8.96 -0.42 0.42 0.75 0.82 -15.87 -15.87 -15.87 -32.68 -0.34 0.29 0.41 0.22 -8.18 13.60 7.17 16.66 1.07 1.49 1.58 2.56
European Stocks
 1 100 0 0 -10.14 2.71 5.34 7.29 -0.02 10:00AM
Dec 07 2022 		-0.49 13.49 25.18 19.88 16.64 17.75 -0.40 0.14 0.32 0.41 -30.58 -30.98 -30.98 -59.77 -0.33 0.09 0.17 0.12 -14.58 16.88 6.11 24.86 2.07 3.49 2.85 3.99
LifeStrategy Moderate Growth
Vanguard 		4 60 40 0 -11.29 4.48 6.45 7.25 -0.04 10:00AM
Dec 07 2022 		-1.29 6.17 14.77 11.39 9.14 9.35 -0.76 0.39 0.71 0.78 -20.84 -20.84 -20.84 -33.52 -0.54 0.22 0.31 0.22 -13.22 10.43 12.96 19.70 1.32 2.33 1.99 2.96
Big Rocks Portfolio
Larry Swedroe 		11 60 40 0 -4.93 3.97 6.16 7.25 -0.08 10:00AM
Dec 07 2022 		-1.61 4.36 12.72 10.92 8.79 9.00 -0.39 0.36 0.70 0.81 -15.71 -15.71 -15.71 -33.80 -0.31 0.25 0.39 0.21 -7.94 13.59 5.25 15.98 1.22 1.65 1.57 2.72
GAA Global Asset Allocation
Mebane Faber 		10 40.5 49.5 10 -12.21 3.53 4.53 7.20 0.26 10:00AM
Dec 07 2022 		-0.14 6.29 13.85 9.84 7.96 7.81 -0.88 0.36 0.57 0.92 -20.65 -20.65 -20.65 -24.91 -0.59 0.17 0.22 0.29 -14.16 8.69 11.18 19.10 1.31 2.20 1.86 2.90
Dynamic 60/40 Income
 5 60 40 0 -9.66 4.08 5.73 7.18 -0.01 10:00AM
Dec 07 2022 		-1.57 3.92 13.99 10.80 8.53 9.13 -0.69 0.38 0.67 0.79 -18.21 -18.21 -18.21 -41.44 -0.53 0.22 0.31 0.17 -13.20 15.27 6.26 18.59 2.19 2.81 3.17 4.05
Sheltered Sam 50/50
Bill Bernstein 		12 48.5 50 1.5 -5.38 4.28 5.47 7.17 -0.03 10:00AM
Dec 07 2022 		-1.18 3.98 12.05 9.32 7.46 7.70 -0.45 0.46 0.73 0.93 -15.17 -15.17 -15.17 -28.23 -0.35 0.28 0.36 0.25 -8.07 12.55 7.04 15.24 2.03 2.18 1.58 2.50
Dynamic 40/60 Income
 5 40 60 0 -10.18 2.71 4.36 7.14 0.11 10:00AM
Dec 07 2022 		-0.90 4.63 12.47 9.43 7.30 7.95 -0.82 0.29 0.60 0.90 -17.33 -17.33 -17.33 -29.84 -0.59 0.16 0.25 0.24 -12.23 6.72 8.28 15.91 2.50 2.85 3.24 4.21
Ivy Portfolio
Mebane Faber 		5 60 20 20 -2.60 5.58 5.14 7.13 0.07 10:00AM
Dec 07 2022 		-2.75 4.58 15.33 13.89 11.06 11.44 -0.17 0.40 0.47 0.62 -16.46 -21.77 -21.77 -47.39 -0.16 0.26 0.24 0.15 -7.35 22.27 2.25 21.16 1.22 2.07 2.02 2.63
One-Decision Portfolio
Marvin Appel 		5 50 50 0 -7.35 4.70 6.18 7.13 0.00 10:00AM
Dec 07 2022 		-1.37 3.83 12.99 10.28 8.24 8.17 -0.57 0.46 0.75 0.87 -16.74 -16.74 -16.74 -31.96 -0.44 0.28 0.37 0.22 -10.64 16.51 5.32 18.51 1.31 1.66 1.86 2.89
Ideal Index
Frank Armstrong 		7 70 30 0 -6.16 4.14 6.30 7.13 -0.11 10:00AM
Dec 07 2022 		-1.74 5.86 14.43 12.23 9.91 10.55 -0.43 0.34 0.64 0.68 -18.25 -18.25 -18.25 -40.11 -0.34 0.23 0.35 0.18 -9.48 13.98 6.95 17.96 1.22 1.94 1.75 2.83
Four Square
Scott Burns 		4 50 50 0 -10.96 3.89 5.28 7.05 -0.08 10:00AM
Dec 07 2022 		-0.90 5.41 13.65 10.05 8.14 8.33 -0.80 0.39 0.65 0.85 -19.67 -19.67 -19.67 -29.95 -0.56 0.20 0.27 0.24 -12.61 9.33 11.91 17.18 2.20 3.18 1.59 2.86
7Twelve Portfolio
Craig Israelsen 		9 50 33.3 16.7 -1.93 4.75 4.51 7.03 -0.01 10:00AM
Dec 07 2022 		-2.38 3.82 12.54 11.49 9.20 9.69 -0.15 0.41 0.49 0.73 -13.28 -17.90 -17.90 -37.96 -0.15 0.27 0.25 0.19 -5.53 16.41 3.64 17.04 0.88 1.33 1.34 2.13
Stocks/Bonds 40/60
 2 40 60 0 -11.92 4.42 5.91 6.99 0.10 10:00AM
Dec 07 2022 		-0.82 4.25 12.50 9.09 7.10 6.73 -0.95 0.49 0.83 1.04 -18.63 -18.63 -18.63 -19.17 -0.64 0.24 0.32 0.36 -13.25 9.15 13.04 17.57 1.47 1.84 2.20 2.66
Simplified Permanent Portfolio
 3 25 50 25 -10.04 4.35 3.85 6.97 0.25 10:00AM
Dec 07 2022 		-0.16 5.28 10.66 7.52 6.71 6.66 -0.94 0.58 0.57 1.05 -16.43 -16.43 -16.43 -16.43 -0.61 0.26 0.23 0.42 -11.48 3.72 16.46 16.15 0.87 0.78 1.02 1.68
Rob Arnott Portfolio
Rob Arnott 		8 30 60 10 -10.15 3.53 3.84 6.89 0.25 10:00AM
Dec 07 2022 		-0.20 4.98 12.31 8.68 7.08 7.01 -0.82 0.41 0.54 0.98 -17.86 -17.86 -17.86 -24.27 -0.57 0.20 0.22 0.28 -12.35 11.04 7.98 16.67 1.71 2.57 1.88 3.13
High Yield Bonds Income
 4 0 100 0 -14.07 0.63 2.45 6.89 0.46 10:00AM
Dec 07 2022 		0.44 6.41 14.57 10.32 8.32 8.64 -0.97 0.06 0.29 0.80 -21.38 -21.84 -21.84 -23.97 -0.66 0.03 0.11 0.29 -15.35 0.88 7.08 16.98 3.47 3.76 4.38 5.32
Edge Select Moderately Conservative
Merrill Lynch 		12 37 63 0 -11.49 3.42 4.89 6.74 0.04 10:00AM
Dec 07 2022 		-0.67 5.16 12.34 8.55 6.81 6.63 -0.93 0.40 0.72 1.02 -18.53 -18.53 -18.53 -20.48 -0.62 0.18 0.26 0.33 -12.72 6.44 11.65 16.41 1.37 1.84 1.95 2.92
All Country World 80/20
 4 80 20 0 -11.17 5.39 7.53 6.72 -0.15 10:00AM
Dec 07 2022 		-2.12 7.40 18.09 14.69 11.90 12.62 -0.62 0.37 0.63 0.53 -23.52 -23.52 -23.52 -47.32 -0.47 0.23 0.32 0.14 -13.86 14.21 14.55 23.35 1.28 2.27 1.98 3.01
Desert Portfolio
Gyroscopic Investing 		3 30 60 10 -8.87 4.13 4.51 6.66 0.09 10:00AM
Dec 07 2022 		-0.77 3.71 9.36 6.51 5.29 5.32 -0.95 0.63 0.85 1.25 -14.72 -14.72 -14.72 -14.72 -0.60 0.28 0.31 0.45 -10.11 5.76 12.96 14.41 0.85 0.88 1.23 1.95
Lifepath Fund
iShares 		6 40.4 59.6 0 -11.56 3.46 4.86 6.65 0.10 10:00AM
Dec 07 2022 		-0.53 5.09 12.53 8.85 7.00 6.80 -0.92 0.39 0.69 0.98 -18.92 -18.92 -18.92 -21.23 -0.61 0.18 0.26 0.31 -13.05 8.05 11.47 16.20 1.87 2.31 2.15 2.76
All Country World Stocks
 1 100 0 0 -10.94 6.59 8.96 6.64 -0.28 10:00AM
Dec 07 2022 		-2.87 8.28 20.90 17.65 14.35 15.51 -0.52 0.37 0.62 0.43 -25.52 -25.52 -25.52 -57.06 -0.43 0.26 0.35 0.12 -14.21 18.27 16.61 26.82 1.18 2.13 1.91 2.90
All Country World 60/40
 4 60 40 0 -11.44 4.14 6.04 6.63 -0.02 10:00AM
Dec 07 2022 		-1.36 6.54 15.40 11.87 9.55 9.92 -0.74 0.35 0.63 0.67 -21.52 -21.52 -21.52 -36.70 -0.53 0.19 0.28 0.18 -13.50 10.14 12.48 19.89 1.39 2.41 2.05 3.13
Andrew Tobias Portfolio
Andrew Tobias 		3 66.7 33.3 0 -7.94 4.60 6.38 6.62 -0.09 10:00AM
Dec 07 2022 		-1.53 5.92 14.39 11.53 9.42 9.86 -0.55 0.40 0.68 0.67 -18.85 -18.85 -18.85 -36.42 -0.42 0.24 0.34 0.18 -10.42 12.14 10.55 18.69 1.22 1.80 1.64 2.72
Sheltered Sam 40/60
Bill Bernstein 		12 38.8 60 1.2 -5.69 3.70 4.55 6.61 -0.01 10:00AM
Dec 07 2022 		-0.86 3.39 10.47 7.74 6.20 6.37 -0.54 0.48 0.73 1.04 -13.86 -13.86 -13.86 -22.05 -0.41 0.27 0.33 0.30 -7.89 10.41 6.86 13.26 2.16 2.12 1.48 2.41
Paul Boyer Portfolio
Paul Boyer 		5 25 50 25 -11.87 2.38 2.40 6.60 0.37 10:00AM
Dec 07 2022 		0.90 6.13 10.13 7.59 6.99 7.31 -1.17 0.31 0.34 0.90 -17.86 -18.04 -18.04 -18.04 -0.66 0.13 0.13 0.37 -12.82 0.51 15.04 13.97 0.77 0.90 1.04 1.80
LifeStrategy Conservative Growth
Vanguard 		4 40 60 0 -11.53 3.14 4.76 6.52 0.08 10:00AM
Dec 07 2022 		-0.50 5.18 12.07 8.58 6.82 6.70 -0.96 0.37 0.70 0.97 -18.57 -18.57 -18.57 -21.90 -0.62 0.17 0.26 0.30 -12.74 6.29 10.90 15.98 1.38 2.39 2.03 3.01
Permanent Portfolio
Harry Browne 		4 25 50 25 -10.39 4.33 3.94 6.52 0.40 10:00AM
Dec 07 2022 		0.66 4.98 9.59 7.49 6.72 6.34 -1.08 0.58 0.59 1.03 -15.92 -15.92 -15.92 -15.92 -0.65 0.27 0.25 0.41 -11.61 4.21 16.10 16.17 0.79 0.73 0.94 1.73
Larry Portfolio
Larry Swedroe 		4 30 70 0 -8.81 1.29 2.97 6.40 0.05 10:00AM
Dec 07 2022 		-0.42 3.90 9.23 6.16 5.06 5.45 -0.95 0.21 0.59 1.17 -14.55 -15.96 -15.96 -15.96 -0.61 0.08 0.19 0.40 -9.73 3.41 6.44 10.64 1.11 1.20 1.29 2.32
All Country World 40/60
 4 40 60 0 -11.75 2.84 4.51 6.40 0.11 10:00AM
Dec 07 2022 		-0.61 5.70 12.85 9.24 7.37 7.46 -0.91 0.31 0.61 0.86 -19.52 -19.52 -19.52 -25.16 -0.60 0.15 0.23 0.25 -13.14 6.07 10.42 16.42 1.49 2.55 2.13 3.24
Stocks/Bonds 20/80 Momentum
 2 20 80 0 -13.21 2.15 3.78 6.36 0.39 10:00AM
Dec 07 2022 		0.47 3.63 9.47 6.64 5.28 4.73 -1.39 0.32 0.72 1.34 -17.29 -17.91 -17.91 -17.91 -0.76 0.12 0.21 0.35 -12.91 1.18 12.14 12.52 1.65 1.77 2.24 2.70
Emerging Markets Stocks
 1 100 0 0 -17.15 -0.89 1.51 6.20 -0.74 10:00AM
Dec 07 2022 		-1.95 15.59 21.36 18.94 16.94 23.17 -0.80 -0.05 0.09 0.27 -29.40 -36.52 -36.52 -60.44 -0.58 -0.02 0.04 0.10 -18.40 -3.61 17.03 18.20 0.74 1.89 1.68 3.19
All Country World 20/80
 4 20 80 0 -12.11 1.49 2.93 6.04 0.23 10:00AM
Dec 07 2022 		0.15 4.87 10.50 6.98 5.56 5.47 -1.15 0.21 0.53 1.10 -17.51 -17.97 -17.97 -17.97 -0.69 0.08 0.16 0.34 -12.79 2.00 8.36 12.96 1.59 2.69 2.20 3.36
Sheltered Sam 30/70
Bill Bernstein 		12 29.1 70 0.9 -6.03 3.11 3.61 6.03 0.02 10:00AM
Dec 07 2022 		-0.54 2.81 8.93 6.23 5.00 5.14 -0.67 0.50 0.72 1.17 -12.55 -12.55 -12.55 -16.58 -0.48 0.25 0.29 0.36 -7.71 8.27 6.68 11.29 2.30 2.07 1.38 2.32
Developed World ex-US 60/40
 2 60 40 0 -10.09 1.80 4.24 5.94 0.05 10:00AM
Dec 07 2022 		-0.55 8.18 15.75 11.44 9.51 10.24 -0.64 0.16 0.45 0.58 -21.67 -22.40 -22.40 -37.49 -0.47 0.08 0.19 0.16 -12.20 6.09 7.71 16.72 1.19 3.50 1.79 3.62
Eliminate Fat Tails
Larry Swedroe 		4 30 70 0 -7.06 2.31 2.83 5.89 -0.16 10:00AM
Dec 07 2022 		-0.56 3.18 8.40 6.69 5.55 6.34 -0.84 0.35 0.51 0.93 -12.62 -12.62 -12.62 -18.42 -0.56 0.18 0.22 0.32 -8.10 5.40 8.18 9.79 2.42 2.12 0.99 2.12
Developed World ex-US 80/20
 2 80 20 0 -9.88 2.14 4.91 5.87 0.01 10:00AM
Dec 07 2022 		-1.00 10.31 19.22 14.65 12.22 13.36 -0.51 0.15 0.40 0.44 -24.60 -25.24 -25.24 -47.74 -0.40 0.08 0.19 0.12 -12.83 8.88 8.72 19.67 1.31 3.48 2.00 3.64
Developed World ex-US 40/60
 2 40 60 0 -10.33 1.39 3.49 5.84 0.09 10:00AM
Dec 07 2022 		-0.09 6.17 12.49 8.48 6.99 7.41 -0.83 0.16 0.50 0.79 -18.75 -19.57 -19.57 -26.17 -0.55 0.07 0.18 0.22 -11.56 3.30 6.69 13.77 1.06 3.51 1.58 3.61
Stocks/Bonds 20/80
 2 20 80 0 -12.26 2.36 3.48 5.78 0.25 10:00AM
Dec 07 2022 		0.18 3.96 9.92 6.56 5.12 4.65 -1.24 0.36 0.68 1.24 -16.57 -16.57 -16.57 -16.57 -0.74 0.14 0.21 0.35 -12.83 3.64 10.38 13.20 1.64 1.95 2.37 2.79
Dimensional Retirement Income Fund
DFA 		7 20.4 79.6 0 -7.21 3.09 2.94 5.69 -0.18 Dec 06 2022 -0.13 2.61 8.77 5.71 4.69 4.74 -0.82 0.54 0.63 1.20 -12.16 -12.16 -12.16 -12.91 -0.59 0.25 0.24 0.44 -8.24 7.04 8.69 10.30 3.52 3.41 1.56 2.41
LifeStrategy Income Fund
Vanguard 		4 20 80 0 -11.81 1.74 3.02 5.67 0.21 10:00AM
Dec 07 2022 		0.29 4.22 9.60 6.21 4.93 4.57 -1.23 0.28 0.61 1.24 -16.30 -16.61 -16.61 -16.61 -0.72 0.10 0.18 0.34 -12.26 2.15 8.85 12.26 1.45 2.45 2.08 3.06
Developed World ex-US Stocks
 1 100 0 0 -9.72 2.42 5.52 5.64 -0.04 10:00AM
Dec 07 2022 		-1.46 12.55 22.87 18.03 15.06 16.68 -0.42 0.13 0.37 0.34 -27.52 -28.08 -28.08 -57.00 -0.35 0.09 0.20 0.10 -13.47 11.67 9.74 22.62 1.44 3.46 2.21 3.65
Developed World ex-US 20/80
 2 20 80 0 -10.62 0.93 2.67 5.61 0.13 10:00AM
Dec 07 2022 		0.37 4.25 9.50 5.98 4.90 5.22 -1.12 0.15 0.54 1.07 -15.82 -16.80 -16.80 -16.80 -0.67 0.06 0.16 0.33 -10.93 0.51 5.67 10.82 0.94 3.53 1.37 3.59
All Country World Bonds
 3 0 100 0 -12.52 0.09 1.30 5.55 0.36 10:00AM
Dec 07 2022 		0.90 4.07 8.44 5.52 4.54 4.49 -1.48 0.02 0.29 1.24 -15.94 -17.60 -17.60 -17.60 -0.79 0.01 0.07 0.32 -12.43 -2.06 6.30 9.49 1.69 2.83 2.27 3.47
US Inflation Protection
 1 0 100 0 -11.59 2.14 0.92 5.52 0.05 10:00AM
Dec 07 2022 		0.80 1.83 9.74 5.91 5.28 6.08 -1.19 0.36 0.17 0.91 -14.74 -14.74 -14.74 -14.74 -0.79 0.15 0.06 0.37 -11.94 5.67 10.84 8.35 5.49 4.41 1.29 1.88
Gold
 1 0 0 100 -0.42 6.36 -0.07 5.44 0.64 10:00AM
Dec 07 2022 		0.66 8.49 13.01 13.41 14.82 15.46 -0.03 0.47 -0.01 0.35 -15.91 -18.08 -38.90 -42.91 -0.03 0.35 0.00 0.13 -3.60 -4.15 24.81 17.86 0.00 0.00 0.00 0.00
Sheltered Sam 20/80
Bill Bernstein 		12 19.4 80 0.6 -6.38 2.51 2.66 5.42 0.04 10:00AM
Dec 07 2022 		-0.23 2.24 7.46 4.83 3.91 4.09 -0.85 0.52 0.68 1.33 -11.24 -11.24 -11.24 -11.24 -0.57 0.22 0.24 0.48 -7.53 6.12 6.51 9.31 2.43 2.02 1.29 2.23
Edge Select Conservative
Merrill Lynch 		12 21 79 0 -7.31 2.31 3.25 5.37 0.10 10:00AM
Dec 07 2022 		-0.18 3.44 8.14 5.31 4.23 4.11 -0.90 0.43 0.77 1.31 -12.44 -12.44 -12.44 -12.44 -0.59 0.19 0.26 0.43 -8.20 3.46 6.74 11.07 1.25 1.51 1.56 2.79
Robo Advisor 20
Betterment 		12 19.9 80.1 0 -7.31 1.66 2.50 5.34 0.10 10:00AM
Dec 07 2022 		-0.20 3.17 7.05 4.77 3.84 4.10 -1.04 0.35 0.65 1.30 -11.83 -12.16 -12.16 -12.16 -0.62 0.14 0.21 0.44 -8.08 2.61 6.01 9.57 1.32 1.60 1.58 2.70
Total Bond Developed World ex-US
 1 0 100 0 -10.96 0.40 1.78 5.23 0.17 10:00AM
Dec 07 2022 		0.83 2.43 6.98 4.60 3.88 4.58 -1.57 0.09 0.46 1.14 -13.54 -14.88 -14.88 -14.88 -0.81 0.03 0.12 0.35 -10.29 -2.28 4.65 7.87 0.81 3.55 1.16 3.58
10-year Treasury
 1 0 100 0 -14.36 0.01 0.64 5.14 0.37 10:00AM
Dec 07 2022 		1.26 3.61 9.12 6.67 6.03 6.71 -1.58 0.00 0.11 0.77 -17.35 -21.22 -21.22 -21.22 -0.83 0.00 0.03 0.24 -13.91 -3.33 10.01 8.03 1.27 0.80 1.18 2.22
Sheltered Sam 10/90
Bill Bernstein 		12 9.7 90 0.3 -6.75 1.89 1.69 4.79 0.07 10:00AM
Dec 07 2022 		0.09 1.68 6.08 3.67 3.04 3.37 -1.11 0.52 0.56 1.42 -9.93 -9.93 -9.93 -9.93 -0.68 0.19 0.17 0.48 -7.35 3.98 6.33 7.34 2.56 1.97 1.19 2.14
Conservative Income
Charles Schwab 		6 5 95 0 -8.52 1.29 1.49 4.58 0.19 10:00AM
Dec 07 2022 		0.46 2.42 6.63 4.28 3.62 3.52 -1.28 0.30 0.41 1.30 -11.50 -11.50 -11.50 -11.50 -0.74 0.11 0.13 0.40 -9.14 2.43 5.45 8.37 2.30 2.26 1.91 2.80
Total Bond US
 1 0 100 0 -12.68 0.24 0.99 4.45 0.40 10:00AM
Dec 07 2022 		1.18 3.67 7.99 5.23 4.30 4.01 -1.59 0.05 0.23 1.11 -15.77 -17.28 -17.28 -17.28 -0.80 0.01 0.06 0.26 -12.41 -1.86 7.71 8.83 1.82 2.06 2.53 2.91
Robo Advisor 10
Betterment 		12 9.9 90.1 0 -5.90 1.16 1.55 4.30 0.11 10:00AM
Dec 07 2022 		-0.02 1.96 4.54 2.81 2.25 2.52 -1.30 0.41 0.69 1.71 -8.39 -8.91 -8.91 -8.91 -0.70 0.13 0.17 0.48 -6.20 0.88 4.71 6.61 1.11 1.05 1.36 2.45
Sheltered Sam 0/100
Bill Bernstein 		2 0 100 0 -7.13 1.26 0.72 4.13 0.09 10:00AM
Dec 07 2022 		0.40 1.12 4.84 2.99 2.60 3.22 -1.47 0.42 0.28 1.28 -8.61 -8.61 -8.61 -8.61 -0.83 0.15 0.08 0.48 -7.17 1.84 6.16 5.37 2.69 1.92 1.09 2.05
Robo Advisor 0
Betterment 		2 0 100 0 -4.49 0.64 0.59 3.24 0.13 10:00AM
Dec 07 2022 		0.16 0.84 2.47 1.69 1.32 1.81 -1.82 0.38 0.44 1.78 -5.28 -5.86 -5.86 -5.86 -0.85 0.11 0.10 0.55 -4.30 -0.79 3.37 3.70 0.89 0.49 1.14 2.21
Short Term Treasury
 1 0 100 0 -4.20 0.59 0.52 3.13 0.12 09:59AM
Dec 07 2022 		0.14 0.69 2.20 1.57 1.22 1.81 -1.90 0.38 0.42 1.74 -4.86 -5.36 -5.36 -5.36 -0.86 0.11 0.10 0.58 -3.99 -0.72 3.03 3.38 0.83 0.26 0.96 2.17
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
The 8-Step Beginner’s Guide to Value Investing: Featuring 20 for 20 - The 20 ...
Principles: Life and Work
The Millionaire Next Door: The Surprising Secrets of America's Rich
Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. Waiting for updates, inflation of Nov 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.22% , 5Y: 3.85% , 10Y: 2.61% , 30Y: 2.50%
Portfolio returns are updated to 30 November 2022.
Live Dec 2022 Returns are calculated on the hypothesis of a newly built portfolio, with the starting asset allocation. Once consolidated, the returns will be calculated on the actual asset weights. Portfolio Update time is Eastern Time (ET - America/New York).
Click here for short term returns
Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 30 November 2022.

The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 30 November 2022.

Cells with red background indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2022. Waiting for updates, inflation of Nov 2022 is set to 0%. 2022: 6.89%, 2021: 7.04%, 2020: 1.36%, 2019: 2.29%
For further details about Dividends, click here.
Swipe left to see all data
% Allocation
Ann. Return (%) - Nov 30, 2022
Chg (%)
Return (%)
St.Dev. (%)
Ann. Return / St.Dev.
Max Drawdown (%)
Return / Drawdown
YTD(%)
Yearly Returns (%)
Dividend Yield (%)
Portfolio #ETF Stocks Bonds Comm 1Y 3Y 5Y ▾ Daily Time(ET) Dec 2022 Nov 2022 1Y 3Y 5Y 1Y 3Y 5Y 1Y 3Y 5Y 1Y 3Y 5Y 2022 2021 2020 2019 2022 2021 2020 2019
Cape US Sector Value
Robert Shiller 		1 100 0 0 -4.81 12.45 12.39 0.14 09:37AM
Dec 07 2022 		-4.05 6.36 22.91 20.84 18.66 -0.21 0.60 0.66 -20.07 -21.00 -21.00 -0.24 0.59 0.59 -9.00 27.80 19.47 32.61 0.12 0.00 0.00 0.00
US Stocks Equal Weight
 1 100 0 0 -1.45 11.58 10.23 -0.27 10:00AM
Dec 07 2022 		-3.19 6.64 22.49 22.60 19.96 -0.06 0.51 0.51 -20.69 -26.65 -26.65 -0.07 0.43 0.38 -7.27 29.41 12.71 28.91 1.23 1.64 1.83 2.16
Stocks/Bonds 60/40 2x Leveraged
 2 60 40 0 -25.63 5.23 8.38 0.01 10:00AM
Dec 07 2022 		-3.73 8.66 30.63 25.11 22.20 -0.84 0.21 0.38 -39.53 -39.53 -39.53 -0.65 0.13 0.21 -29.58 33.12 20.45 43.41 0.03 0.18 0.40 1.13
Stocks/Bonds 60/40 with Bitcoin
 3 59 39 2 -13.28 6.78 8.15 -0.08 10:00AM
Dec 07 2022 		-1.80 4.33 15.65 14.79 12.86 -0.85 0.46 0.63 -21.45 -21.45 -21.45 -0.62 0.32 0.38 -14.65 15.60 21.52 23.43 1.26 1.69 2.00 2.49
US Stocks ESG
 1 100 0 0 -15.58 9.79 7.84 -0.32 09:57AM
Dec 07 2022 		-3.94 5.35 22.46 21.18 18.79 -0.69 0.46 0.42 -27.79 -27.79 -27.79 -0.56 0.35 0.28 -18.80 26.20 25.67 33.37 0.70 0.85 1.38 1.68
Golden Butterfly with Bitcoin
 6 40 40 20 -11.47 5.34 6.52 0.23 10:00AM
Dec 07 2022 		-0.21 4.57 12.32 11.31 10.00 -0.93 0.47 0.65 -18.74 -18.74 -18.74 -0.61 0.28 0.35 -12.51 10.61 19.54 19.56 0.85 1.03 1.09 1.81
Stocks/Bonds 40/60 with Bitcoin
 3 39 59 2 -13.56 4.26 6.19 0.07 10:00AM
Dec 07 2022 		-0.80 4.02 12.62 11.55 9.95 -1.08 0.37 0.62 -19.39 -19.39 -19.39 -0.70 0.22 0.32 -14.23 10.09 18.86 19.07 1.44 1.80 2.16 2.61
Permanent Portfolio with Bitcoin
Harry Browne 		5 25 50 25 -12.29 4.05 6.06 0.36 10:00AM
Dec 07 2022 		0.64 4.67 9.73 9.36 8.37 -1.26 0.43 0.72 -16.88 -16.88 -16.88 -0.73 0.24 0.36 -12.79 5.47 21.71 17.70 0.79 0.73 0.94 1.73
All Weather Portfolio 2x Leveraged
Ray Dalio 		5 37.5 55 7.5 -22.73 2.77 5.95 1.22 10:00AM
Dec 07 2022 		1.93 8.92 29.32 21.39 18.71 -0.78 0.13 0.32 -36.33 -36.33 -36.33 -0.63 0.08 0.16 -24.42 19.72 19.68 34.09 0.14 0.32 0.37 1.45
Desert Portfolio with Bitcoin
Gyroscopic Investing 		4 30 60 10 -10.77 4.36 5.93 0.05 10:00AM
Dec 07 2022 		-0.80 3.40 9.59 8.59 7.57 -1.12 0.51 0.78 -15.68 -15.73 -15.73 -0.69 0.28 0.38 -11.29 7.03 18.57 15.94 0.85 0.88 1.23 1.95
Talmud Portfolio 2x Leveraged
Roger Gibson 		3 66.7 33.3 0 -27.44 0.89 5.78 -0.53 10:00AM
Dec 07 2022 		-3.96 9.12 33.50 28.08 24.23 -0.82 0.03 0.24 -42.70 -42.70 -42.70 -0.64 0.02 0.14 -34.17 46.68 4.10 44.89 0.12 0.24 0.51 1.38
Ark Tech Portfolio
Cathie Wood 		4 100 0 0 -56.16 -0.35 5.64 -1.14 10:00AM
Dec 07 2022 		-7.14 -3.16 31.36 37.56 33.94 -1.79 -0.01 0.17 -56.16 -64.76 -64.76 -1.00 -0.01 0.09 -52.42 -18.06 149.52 35.21 0.00 1.03 2.88 1.23
All Weather Portfolio with Bitcoin
Ray Dalio 		6 30 55 15 -16.80 2.89 5.58 0.49 10:00AM
Dec 07 2022 		0.83 4.66 12.36 10.79 9.58 -1.36 0.27 0.58 -21.44 -21.57 -21.57 -0.78 0.13 0.26 -17.24 8.91 20.78 19.77 1.01 1.13 1.40 2.03
Golden Butterfly 2x Leveraged
 4 40 40 20 -21.29 2.63 5.15 0.14 10:00AM
Dec 07 2022 		-1.96 9.62 24.65 19.47 17.40 -0.86 0.14 0.30 -34.50 -34.50 -34.50 -0.62 0.08 0.15 -24.87 16.84 19.29 32.73 0.03 0.11 0.31 0.90
Stocks/Bonds 40/60 2x Leveraged
 2 40 60 0 -26.42 1.16 5.15 0.37 10:00AM
Dec 07 2022 		-1.91 7.96 25.13 18.94 16.41 -1.05 0.06 0.31 -36.46 -36.46 -36.46 -0.72 0.03 0.14 -28.97 19.46 19.91 33.39 0.02 0.18 0.47 1.28
Stocks/Bonds 60/40 ESG
 2 60 40 0 -14.14 5.01 5.06 -0.09 09:57AM
Dec 07 2022 		-2.07 4.61 15.63 13.71 11.97 -0.90 0.37 0.42 -22.44 -22.44 -22.44 -0.63 0.22 0.23 -16.21 14.84 18.27 23.31 1.13 1.30 1.76 2.14
Simplified Permanent Portfolio 2x Leveraged
 3 25 50 25 -21.92 1.38 4.81 0.73 10:00AM
Dec 07 2022 		-0.66 10.28 20.93 17.04 14.72 -1.05 0.08 0.33 -31.96 -31.96 -31.96 -0.69 0.04 0.15 -24.58 8.10 24.56 30.31 0.01 0.14 0.38 1.00
Desert Portfolio 2x Leveraged
Gyroscopic Investing 		3 30 60 10 -24.83 0.42 4.35 0.59 10:00AM
Dec 07 2022 		-1.05 8.77 22.16 16.80 14.44 -1.12 0.03 0.30 -34.04 -34.04 -34.04 -0.73 0.01 0.13 -27.09 12.18 21.66 30.15 0.02 0.17 0.45 1.20
Stocks/Bonds 40/60 ESG
 2 40 60 0 -13.54 2.49 3.50 0.02 09:57AM
Dec 07 2022 		-1.14 4.26 12.61 10.35 8.88 -1.07 0.24 0.39 -19.76 -19.76 -19.76 -0.69 0.13 0.18 -14.91 9.16 14.57 18.28 1.34 1.53 1.96 2.38
Developed World ex-US Stocks Momentum
 1 100 0 0 -11.69 4.31 3.41 0.29 09:53AM
Dec 07 2022 		-1.61 10.32 21.53 18.12 16.12 -0.54 0.24 0.21 -28.32 -28.57 -28.57 -0.41 0.15 0.12 -15.48 6.60 22.16 24.51 1.25 5.51 1.17 2.61
Developed World ex-US 60/40 Momentum
 2 60 40 0 -11.29 1.52 2.41 0.24 10:00AM
Dec 07 2022 		-0.64 6.91 14.76 12.09 10.51 -0.76 0.13 0.23 -22.15 -22.23 -22.23 -0.51 0.07 0.11 -13.41 3.05 15.15 17.85 1.07 4.73 1.17 3.00
Developed World ex-US 40/60 Momentum
 2 40 60 0 -11.15 0.08 1.81 0.22 10:00AM
Dec 07 2022 		-0.15 5.34 11.73 9.33 7.96 -0.95 0.01 0.23 -19.07 -19.40 -19.40 -0.58 0.00 0.09 -12.37 1.27 11.65 14.52 0.99 4.33 1.16 3.19
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
The Richest Man in Babylon
I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a ...
The Lies I Tell
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