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 - 31 Aug 2020
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y  ▾
Technology
1 100 0 0 +58.56 +24.25 +22.37
US Stocks
1 100 0 0 +21.25 +13.82 +14.92
Warren Buffett
2 90 10 0 +21.75 +13.38 +13.90
Simple Path to Wealth
JL Collins
2 75 25 0 +17.70 +11.52 +12.14
Second Grader's Starter
Paul Farrell
3 90 10 0 +16.04 +10.59 +11.05
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +17.52 +10.83 +10.60
Stocks/Bonds 60/40
2 60 40 0 +15.53 +10.12 +10.46
Core Four
Rick Ferri
4 80 20 0 +12.91 +9.58 +10.09
World Developed Stocks
1 100 0 0 +16.01 +10.17 +10.06
Four Funds
Bogleheads
4 80 20 0 +14.90 +9.68 +9.97
Robo Advisor 100
Betterment
6 100 0 0 +9.99 +8.99 +9.95
Three Funds
Bogleheads
3 80 20 0 +14.63 +9.68 +9.94
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +15.95 +9.90 +9.59
Robo Advisor 90
Betterment
11 90.1 9.9 0 +9.98 +8.76 +9.46
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +6.48 +8.35 +9.43
Couch Potato
Scott Burns
2 50 50 0 +15.34 +9.22 +9.41
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +4.38 +7.46 +9.39
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +10.92 +9.42 +9.38
Yale Endowment
David Swensen
6 70 30 0 +9.79 +8.80 +9.37
Mid-Twenties
Burton Malkiel
8 87 13 0 +11.19 +9.38 +9.35
Mid-Fifties
Burton Malkiel
8 80 20 0 +9.70 +9.20 +9.20
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +10.58 +8.45 +8.97
Robo Advisor 80
Betterment
10 80 20 0 +9.38 +8.35 +8.89
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +9.05 +7.71 +8.79
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +8.01 +8.69 +8.74
Lazy Portfolio
David Swensen
6 70 30 0 +8.98 +8.10 +8.54
Edge Select Moderate
Merrill Lynch
12 53 47 0 +13.48 +8.65 +8.34
Margaritaville
Scott Burns
3 67 33 0 +13.27 +8.28 +8.29
Stocks/Bonds 40/60
2 40 60 0 +12.59 +8.23 +8.18
Golden Butterfly
5 40 40 20 +12.34 +8.51 +8.18
Robust
Alpha Architect
8 70 20 10 +5.48 +6.46 +8.17
Coffee House
Bill Schultheis
7 60 40 0 +4.83 +6.92 +8.17
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +13.21 +8.28 +8.15
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +9.43 +7.74 +8.01
All Weather Portfolio
Ray Dalio
5 30 55 15 +12.93 +8.47 +7.82
Coward's Portfolio
Bill Bernstein
10 60 40 0 +6.34 +6.89 +7.67
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +10.25 +6.90 +7.46
Dynamic 60/40 Income
5 60 40 0 +4.41 +6.42 +7.42
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +9.46 +7.03 +7.34
Aggressive Global Income
4 80 20 0 -2.65 +5.80 +7.31
Pinwheel
8 65 25 10 +7.59 +7.14 +7.21
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +11.06 +7.44 +7.11
Robo Advisor 50
Betterment
10 49.9 50.1 0 +7.25 +6.96 +7.10
Permanent Portfolio
Harry Browne
4 25 50 25 +15.94 +8.80 +7.09
Ideal Index
Frank Armstrong
7 70 30 0 +4.59 +6.00 +6.97
Simple Money Portfolio
Tim Maurer
7 60 40 0 +5.25 +5.50 +6.96
Lifepath Fund
iShares
6 40.4 59.6 0 +10.69 +7.15 +6.96
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +3.66 +5.50 +6.77
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +13.20 +7.36 +6.75
Dynamic 40/60 Income
5 40 60 0 +6.70 +6.29 +6.55
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +4.66 +5.54 +6.52
Five Asset
Roger Gibson
6 60 20 20 +3.78 +5.94 +6.15
European Stocks
1 100 0 0 +6.11 +4.32 +6.10
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +5.88 +6.25 +5.93
High Yield Bonds Income
4 0 100 0 +4.19 +6.31 +5.92
Permanent Portfolio
Paul Boyer
5 25 50 25 +13.02 +7.65 +5.63
Ivy Portfolio
Mebane Faber
5 60 20 20 +0.86 +4.67 +5.33
Edge Select Conservative
Merrill Lynch
12 21 79 0 +6.05 +4.97 +4.81
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +1.72 +4.10 +4.66
Larry Portfolio
Larry Swedroe
4 30 70 0 +5.04 +4.42 +4.63
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +8.06 +4.89 +4.56
Gold
1 0 0 100 +28.58 +11.18 +4.23
10-year Treasury
1 0 100 0 +8.19 +4.66 +4.12
Robo Advisor 20
Betterment
12 19.9 80.1 0 +5.16 +4.17 +3.87
Conservative Income
Charles Schwab
6 5 95 0 +4.35 +3.74 +3.31
Emerging Markets
1 100 0 0 +13.83 +8.00 +3.18
Robo Advisor 10
Betterment
12 9.9 90.1 0 +4.43 +3.06 +2.60
Robo Advisor 0
Betterment
2 0 100 0 +3.58 +1.91 +1.33
Short Term Treasury
1 0 100 0 +3.31 +1.73 +1.17
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.
Return / Risk Charts:
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