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 5Y return. Click on column header to sort table.

Portfolio Risk:

Low

Medium

High

Very High

Last Update - Aug 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	+1.31%	+9.58%	+13.36%	18.53%	12.14%	12.99%	0.07	0.79	1.03	-14.20%	-14.20%	-17.57%	0.09	4.08	14.25	+17.84%	-5.21%	+21.21%	+12.83%	+0.36%	+12.54%
Warren Buffett	2	90	10	0	+3.01%	+9.11%	+12.24%	16.09%	10.70%	11.38%	0.19	0.85	1.08	-12.10%	-12.10%	-15.03%	0.25	4.51	14.45	+16.66%	-3.84%	+19.83%	+10.69%	+0.96%	+12.08%
Simple Path to Wealth JL Collins	2	75	25	0	+3.48%	+8.07%	+11.08%	14.06%	9.08%	9.63%	0.25	0.89	1.15	-10.58%	-10.58%	-12.27%	0.33	4.48	15.15	+15.69%	-3.94%	+16.80%	+10.25%	+0.41%	+10.86%
Stocks/Bonds 60/40	2	60	40	0	+4.82%	+7.14%	+9.67%	11.34%	7.29%	7.67%	0.42	0.98	1.26	-8.37%	-8.37%	-8.98%	0.58	4.92	16.88	+14.40%	-3.17%	+14.15%	+8.71%	+0.44%	+9.85%
Edge Select Aggressive Merrill Lynch	12	84	16	0	+1.16%	+6.49%		14.87%	10.14%		0.08	0.64		-11.18%	-11.18%		0.10	3.30		+13.90%	-6.83%	+21.20%	+9.28%	-1.75%	+6.69%
Core Four Rick Ferri	4	80	20	0	+2.99%	+6.45%	+9.60%	13.56%	9.10%	10.33%	0.22	0.71	0.93	-10.12%	-10.12%	-15.17%	0.30	3.62	9.89	+14.59%	-6.41%	+17.86%	+8.53%	-0.67%	+8.52%
Yale Endowment David Swensen	6	70	30	0	+7.16%	+6.42%	+9.81%	11.29%	8.16%	8.71%	0.63	0.79	1.13	-8.49%	-8.49%	-8.65%	0.84	4.30	17.89	+17.09%	-6.17%	+14.70%	+7.46%	-0.79%	+13.57%
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+3.02%	+6.09%		12.50%	8.49%		0.24	0.72		-9.19%	-9.19%		0.33	3.74		+13.43%	-5.65%	+18.24%	+8.21%	-1.36%	+6.70%
Three Funds Bogleheads	3	80	20	0	+1.67%	+6.05%	+9.06%	13.90%	9.37%	10.56%	0.12	0.65	0.86	-10.47%	-10.54%	-15.77%	0.16	3.24	8.75	+13.42%	-6.89%	+19.54%	+8.39%	-1.14%	+6.07%
Four Funds Bogleheads	4	80	20	0	+1.38%	+5.92%	+9.06%	13.99%	9.45%	10.63%	0.10	0.63	0.85	-10.66%	-10.70%	-15.64%	0.13	3.12	8.83	+13.38%	-7.02%	+19.47%	+8.61%	-1.37%	+5.85%
Robust Alpha Architect	8	70	20	10	+0.09%	+5.90%		12.65%	8.25%		0.01	0.72		-11.72%	-11.72%		0.01	2.83		+13.08%	-6.10%	+18.49%	+8.13%	-0.63%	+5.13%
Stocks/Bonds 40/60	2	40	60	0	+6.64%	+5.89%	+7.75%	7.77%	5.04%	5.18%	0.85	1.17	1.50	-5.37%	-5.37%	-5.37%	1.24	6.16	20.63	+12.68%	-2.15%	+10.63%	+6.64%	+0.48%	+8.51%
Couch Scott Burns	2	50	50	0	+4.23%	+5.87%	+8.72%	10.01%	6.50%	6.86%	0.42	0.90	1.27	-8.07%	-8.07%	-8.07%	0.52	4.09	16.20	+13.37%	-3.32%	+12.07%	+8.75%	-0.70%	+8.07%
Coffee House Bill Schultheis	7	60	40	0	+2.00%	+5.74%	+8.66%	11.12%	7.29%	7.98%	0.18	0.79	1.09	-8.99%	-8.99%	-10.65%	0.22	3.58	12.15	+12.08%	-5.19%	+11.02%	+11.04%	-0.91%	+8.90%
Lazy David Swensen	6	70	30	0	+5.15%	+5.67%	+8.92%	11.32%	7.93%	9.17%	0.45	0.71	0.97	-8.16%	-8.16%	-12.41%	0.63	3.89	10.88	+14.49%	-5.64%	+13.65%	+7.80%	-0.93%	+10.17%
World Developed Stocks	1	100	0	0	-1.01%	+5.66%	+8.83%	16.79%	11.72%	13.68%	-0.06	0.48	0.65	-13.00%	-14.44%	-21.87%	-0.08	2.20	6.08	+13.69%	-9.76%	+24.49%	+8.51%	-1.86%	+3.67%
Golden Butterfly	5	40	40	20	+7.04%	+5.64%	+8.28%	8.86%	6.21%	6.49%	0.79	0.91	1.28	-6.37%	-6.37%	-6.37%	1.11	4.95	19.08	+14.32%	-4.03%	+10.96%	+10.82%	-3.71%	+9.13%
Edge Select Moderate Merrill Lynch	12	53	47	0	+4.60%	+5.55%		9.99%	6.73%		0.46	0.82		-7.12%	-7.12%		0.65	4.36		+12.62%	-4.45%	+14.78%	+7.30%	-0.99%	+6.54%
All Weather Portfolio Ray Dalio	5	30	55	15	+11.78%	+5.52%	+7.86%	7.62%	5.97%	5.66%	1.54	0.92	1.39	-4.76%	-6.93%	-6.93%	2.48	4.44	16.30	+17.36%	-3.17%	+11.48%	+5.89%	-3.71%	+12.53%
Robo Advisor 90 Betterment	11	90.1	9.9	0	-1.11%	+5.50%		15.84%	10.71%		-0.07	0.51		-11.77%	-13.16%		-0.09	2.34		+12.08%	-9.17%	+20.72%	+11.50%	-2.71%	+5.15%
No Brainer Portfolio Bill Bernstein	4	75	25	0	-3.15%	+5.38%	+8.36%	14.19%	9.26%	10.38%	-0.22	0.58	0.81	-11.92%	-11.92%	-16.21%	-0.26	2.51	7.61	+9.96%	-6.41%	+15.70%	+11.03%	-1.35%	+3.78%
Robo Advisor 80 Betterment	10	80	20	0	+0.24%	+5.32%		14.18%	9.58%		0.02	0.56		-10.37%	-11.77%		0.02	2.52		+11.82%	-8.22%	+18.95%	+10.69%	-2.37%	+5.24%
Permanent Portfolio Harry Browne	4	25	50	25	+13.21%	+5.28%	+6.97%	6.27%	5.88%	6.07%	2.11	0.90	1.15	-2.97%	-6.98%	-6.98%	4.44	4.20	13.78	+15.22%	-1.71%	+11.00%	+5.61%	-3.03%	+9.43%
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+6.49%	+5.06%		7.33%	5.00%		0.89	1.01		-4.71%	-4.71%		1.38	5.94		+11.74%	-2.87%	+11.35%	+6.10%	-0.46%	+6.64%
Dimensional 2030 Target Date Retirement Income Fund DFA	8	55.9	44.1	0	+3.43%	+4.94%	+7.62%	10.01%	6.84%	7.60%	0.34	0.72	1.00	-7.53%	-7.55%	-9.50%	0.46	3.61	11.41	+11.86%	-4.94%	+14.55%	+7.33%	-1.30%	+5.43%
Lifepath Fund iShares	6	40.42	59.58	0	+5.05%	+4.70%		7.37%	4.95%		0.69	0.95		-5.18%	-5.18%		0.97	4.99		+10.79%	-3.32%	+11.06%	+5.93%	-0.20%	+5.55%
Ideal Index Frank Armstrong	7	70	30	0	-0.87%	+4.36%		11.98%	8.04%		-0.07	0.54		-9.47%	-9.47%		-0.09	2.51		+9.49%	-6.66%	+13.83%	+9.02%	-1.57%	+4.15%
Rob Arnott	8	30	60	10	+8.08%	+4.01%		6.74%	5.12%		1.20	0.78		-4.74%	-6.06%		1.71	3.58		+13.44%	-3.93%	+8.81%	+6.91%	-3.06%	+7.09%
Ultimate Buy&Hold FundAdvice	12	60	40	0	-0.23%	+3.93%	+6.84%	10.11%	6.84%	7.96%	-0.02	0.57	0.86	-8.08%	-8.57%	-11.44%	-0.03	2.48	8.21	+8.52%	-6.82%	+13.19%	+8.45%	-0.58%	+3.34%
Edge Select Conservative Merrill Lynch	12	21	79	0	+6.04%	+3.77%		4.32%	2.98%		1.40	1.26		-2.22%	-2.47%		2.72	8.22		+8.45%	-1.01%	+6.69%	+4.60%	-0.15%	+5.09%
10-year Treasury	1	0	100	0	+13.79%	+3.71%	+4.53%	5.58%	5.31%	5.77%	2.47	0.70	0.79	-1.50%	-7.17%	-7.60%	9.22	2.79	7.33	+10.91%	+0.99%	+2.55%	+1.00%	+1.51%	+9.07%
Larry Portfolio Larry Swedroe	4	30	70	0	+2.94%	+3.34%		5.78%	3.95%		0.51	0.85		-3.93%	-3.93%		0.75	4.55		+7.16%	-3.55%	+8.08%	+6.60%	-0.56%	+3.36%
Five Asset Roger Gibson	6	60	20	20	+1.74%	+3.13%	+6.81%	11.69%	8.12%	9.84%	0.15	0.39	0.69	-9.99%	-13.03%	-15.14%	0.17	1.28	6.16	+12.82%	-7.26%	+12.32%	+9.61%	-5.77%	+3.39%
Gold	1	0	0	100	+26.64%	+3.02%	+4.41%	11.00%	13.87%	16.73%	2.42	0.22	0.26	-2.85%	-18.09%	-42.90%	9.36	0.89	1.26	+18.56%	-1.76%	+12.91%	+8.31%	-10.58%	-2.05%
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+4.35%	+2.83%	+4.48%	4.46%	3.28%	3.67%	0.98	0.86	1.22	-3.15%	-3.40%	-4.34%	1.38	4.40	12.66	+7.74%	-1.96%	+6.78%	+4.66%	-0.87%	+2.89%
Ivy Portfolio Mebane Faber	5	60	20	20	+1.28%	+2.22%	+6.08%	12.48%	8.52%	10.04%	0.10	0.26	0.61	-11.00%	-15.69%	-15.88%	0.12	0.74	5.07	+13.47%	-7.88%	+12.20%	+7.80%	-7.10%	+2.25%
European Stocks	1	100	0	0	-3.52%	+1.39%	+5.06%	15.44%	12.90%	16.68%	-0.23	0.11	0.30	-12.95%	-19.45%	-27.75%	-0.27	0.37	2.30	+10.75%	-14.91%	+26.99%	-0.37%	-1.94%	-7.10%
Short Term Treasury	1	0	100	0	+4.28%	+1.21%	+1.08%	1.07%	0.97%	0.90%	4.02	1.24	1.20	-0.14%	-0.91%	-0.91%	30.57	6.82	12.51	+3.09%	+1.46%	+0.26%	+0.82%	+0.43%	+0.45%
Emerging Markets	1	100	0	0	-1.25%	+0.26%	+3.97%	16.79%	15.55%	18.14%	-0.07	0.02	0.22	-8.91%	-29.24%	-30.74%	-0.14	0.04	1.55	+6.97%	-14.77%	+31.48%	+12.21%	-15.81%	-0.07%

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: