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 20Y 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:

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Very High

Last Update - 31 Aug 2021

		% Allocation			Ann. Returns (%)				St.Dev. (%)				Ann. Return / St.Dev.				Max Drawdown (%)				Return / Drawdown				YTD(%)	Yearly Returns (%)					Dividend Yield (%) of the year
Portfolio	#ETF	Stocks	Bonds	Comm.	1Y	5Y	10Y	20Y ▾	1Y	5Y	10Y	20Y	1Y	5Y	10Y	20Y	1Y	5Y	10Y	20Y	1Y	5Y	10Y	20Y	2021	2020	2019	2018	2017	2016	2021	2020	2019	2018	2017	2016
Technology	1	100	0	0	+29.39	+27.68	+22.53	+13.20	15.35	16.54	15.49	20.09	1.91	1.67	1.45	0.66	-8.64	-16.96	-16.96	-49.74	3.40	14.12	39.08	22.01	+21.39	+48.40	+38.96	-0.12	+32.66	+7.10	0.25	0.64	1.03	0.91	1.10	1.13
US Stocks	1	100	0	0	+33.44	+18.00	+16.21	+9.80	12.98	15.38	13.83	15.10	2.58	1.17	1.17	0.65	-5.42	-20.84	-20.84	-50.84	6.17	6.18	16.75	10.80	+20.56	+21.03	+30.67	-5.21	+21.21	+12.83	0.69	1.71	2.29	1.91	2.05	2.14
Gold	1	0	0	100	-8.19	+6.34	-0.46	+9.54	16.49	13.28	15.90	16.85	-0.50	0.48	-0.03	0.57	-13.46	-13.73	-42.90	-42.90	-0.61	2.62	-0.11	12.08	-4.86	+24.81	+17.86	-1.94	+12.81	+8.03	0.00	0.00	0.00	0.00	0.00	0.00
Emerging Markets Stocks	1	100	0	0	+19.41	+9.69	+4.16	+9.49	12.88	16.64	18.10	21.65	1.51	0.58	0.23	0.44	-6.44	-29.72	-30.19	-60.44	3.01	1.98	1.67	8.48	+1.87	+17.03	+18.20	-15.31	+37.28	+10.87	0.47	1.68	3.19	1.86	2.55	2.07
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+35.61	+11.49	+10.74	+9.44	13.79	15.60	14.39	16.54	2.58	0.74	0.75	0.57	-3.88	-27.54	-27.54	-57.21	9.19	2.62	6.44	8.87	+17.80	+6.40	+23.62	-11.86	+21.78	+12.36	1.14	2.06	3.37	2.53	2.89	2.80
Yale Endowment David Swensen	6	70	30	0	+21.95	+10.53	+10.17	+9.09	9.18	9.67	9.11	10.93	2.39	1.09	1.12	0.83	-3.99	-13.19	-13.19	-39.46	5.50	4.93	12.40	11.90	+13.93	+12.03	+22.65	-6.20	+14.99	+7.39	1.23	2.12	2.91	2.73	2.83	2.84
Mid-Twenties Burton Malkiel	8	87	13	0	+25.73	+12.24	+10.47	+9.00	10.63	12.50	12.02	14.02	2.42	0.98	0.87	0.64	-3.74	-19.80	-19.80	-49.50	6.89	3.95	8.62	9.31	+13.66	+12.95	+24.15	-7.95	+21.11	+8.95	0.93	2.07	3.04	2.50	2.67	2.66
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	+25.14	+12.11	+10.45	+9.00	10.41	12.26	11.74	13.68	2.41	0.99	0.89	0.66	-3.67	-19.37	-19.37	-48.28	6.86	3.98	8.79	9.54	+13.45	+12.75	+24.10	-7.61	+20.64	+8.99	0.95	2.11	3.05	2.54	2.69	2.70
Mid-Fifties Burton Malkiel	8	80	20	0	+23.97	+11.53	+10.21	+9.00	9.94	11.73	11.17	13.07	2.41	0.98	0.91	0.69	-3.54	-18.64	-18.64	-46.21	6.77	3.89	8.81	9.96	+13.12	+11.71	+23.79	-7.10	+19.19	+8.92	1.01	2.23	3.16	2.70	2.82	2.87
Stocks/Bonds 80/20	2	80	20	0	+26.42	+15.08	+13.65	+8.99	10.65	12.33	11.05	11.92	2.48	1.22	1.24	0.75	-4.49	-16.53	-16.53	-41.09	5.88	6.16	15.71	11.17	+16.28	+18.36	+26.30	-4.19	+17.68	+10.77	0.78	1.87	2.41	2.08	2.16	2.22
Warren Buffett	2	90	10	0	+28.29	+16.79	+14.93	+8.97	11.64	13.35	12.06	13.15	2.43	1.26	1.24	0.68	-5.54	-17.49	-17.49	-45.53	5.10	6.71	17.28	10.04	+19.01	+19.19	+28.46	-3.84	+19.83	+10.69	0.64	1.67	2.33	1.95	2.00	2.03
Robo Advisor 100 Betterment	6	100	0	0	+31.91	+13.32	+11.55	+8.87	13.02	14.89	14.05	16.09	2.45	0.89	0.82	0.55	-3.97	-24.13	-24.13	-54.55	8.03	3.60	8.21	8.20	+16.06	+12.47	+25.35	-10.13	+23.37	+11.17	0.96	1.94	2.89	2.23	2.46	2.40
Edge Select Aggressive Merrill Lynch	12	84	16	0	+24.84	+13.90	+11.56	+8.79	10.61	12.35	11.74	13.14	2.34	1.13	0.98	0.67	-4.19	-17.65	-17.65	-45.64	5.93	5.19	11.26	9.61	+13.65	+17.62	+24.61	-6.88	+21.70	+9.21	0.76	1.73	2.60	2.10	2.29	2.23
Robo Advisor 90 Betterment	11	90.1	9.9	0	+28.98	+12.51	+10.89	+8.78	11.77	13.66	12.83	14.62	2.46	0.92	0.85	0.60	-3.52	-22.15	-22.15	-50.07	8.23	3.62	8.18	8.75	+14.48	+12.42	+23.85	-9.42	+21.88	+10.80	0.95	1.94	2.92	2.31	2.56	2.43
Simple Path to Wealth JL Collins	2	75	25	0	+24.69	+14.34	+13.01	+8.75	10.07	11.58	10.37	11.15	2.45	1.24	1.26	0.78	-4.26	-15.47	-15.47	-38.54	5.80	6.17	15.50	11.30	+15.21	+17.70	+25.21	-3.94	+16.80	+10.25	0.80	1.92	2.45	2.13	2.19	2.24
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	+23.31	+10.05	+10.28	+8.70	8.70	10.01	9.37	11.10	2.68	1.00	1.10	0.78	-3.81	-15.15	-15.15	-40.18	6.11	4.05	10.96	10.70	+16.41	+8.02	+22.79	-3.78	+9.90	+7.99	1.10	2.63	3.16	3.00	2.99	3.25
Family Taxable Portfolio Ted Aronson	11	70	30	0	+23.39	+10.95	+9.83	+8.69	9.53	10.63	9.87	11.29	2.45	1.03	1.00	0.77	-2.59	-15.49	-15.49	-38.47	9.05	4.40	10.03	11.16	+10.72	+14.59	+19.91	-7.55	+18.03	+11.10	1.07	1.80	2.63	2.30	2.43	2.30
Late Sixties and Beyond Burton Malkiel	8	71	29	0	+21.67	+10.51	+9.62	+8.65	8.99	10.58	10.01	11.77	2.41	0.99	0.96	0.74	-3.27	-16.82	-16.82	-41.80	6.62	3.86	8.95	10.17	+12.41	+10.03	+22.55	-5.90	+16.49	+8.48	1.02	2.27	3.19	2.81	2.83	2.91
Second Grader's Starter Paul Farrell	3	90	10	0	+27.61	+14.22	+12.19	+8.61	11.56	13.15	12.33	13.79	2.39	1.08	0.99	0.62	-4.47	-19.32	-19.32	-48.52	6.18	4.89	11.17	8.68	+15.21	+16.72	+25.83	-7.40	+21.30	+9.42	0.87	1.94	2.78	2.25	2.49	2.45
Robo Advisor 80 Betterment	10	80	20	0	+25.61	+11.49	+10.12	+8.57	10.49	12.25	11.52	13.11	2.44	0.94	0.88	0.65	-3.13	-19.90	-19.90	-45.48	8.19	3.63	8.15	9.19	+12.74	+11.77	+22.23	-8.43	+20.00	+10.10	0.98	1.97	2.99	2.43	2.60	2.47
Lazy Portfolio David Swensen	6	70	30	0	+22.80	+10.35	+9.35	+8.56	8.48	9.76	9.44	11.03	2.69	1.06	0.99	0.78	-3.44	-14.65	-14.65	-40.88	6.63	4.34	9.87	10.20	+14.12	+10.56	+21.27	-5.67	+13.94	+7.74	1.13	2.03	2.85	2.63	2.65	2.65
Gone Fishin' Portfolio Alexander Green	10	65	30	5	+22.36	+10.20	+8.55	+8.52	9.27	10.75	10.36	12.20	2.41	0.95	0.83	0.70	-2.94	-17.17	-17.17	-43.03	7.60	3.64	7.40	9.60	+10.70	+12.37	+19.76	-7.32	+16.62	+10.50	1.16	2.16	2.90	2.56	2.64	2.61
Golden Butterfly	5	40	40	20	+12.65	+8.59	+7.73	+8.46	6.28	6.99	6.73	7.36	2.01	1.23	1.15	1.15	-3.05	-7.15	-7.15	-14.80	4.14	7.13	15.44	27.55	+7.58	+13.93	+18.03	-4.03	+10.96	+10.82	0.48	1.09	1.81	1.54	1.44	1.41
Core Four Rick Ferri	4	80	20	0	+24.98	+12.51	+11.10	+8.46	10.24	11.54	10.79	12.21	2.44	1.08	1.03	0.69	-4.07	-17.12	-17.12	-44.43	6.14	4.69	10.89	9.16	+14.43	+13.93	+24.04	-6.41	+17.86	+8.53	0.95	2.14	2.91	2.48	2.65	2.67
Pinwheel	8	65	25	10	+20.26	+9.04	+7.65	+8.34	8.01	9.41	9.34	10.75	2.53	0.96	0.82	0.78	-3.16	-14.99	-14.99	-36.89	6.41	3.61	7.27	10.75	+11.58	+9.12	+19.31	-6.39	+14.08	+8.63	0.73	1.62	2.58	2.16	2.14	2.11
Four Funds Bogleheads	4	80	20	0	+24.66	+12.89	+10.92	+8.26	10.35	11.71	11.04	12.33	2.38	1.10	0.99	0.67	-4.01	-17.10	-17.10	-44.07	6.15	4.88	10.64	8.83	+13.56	+15.71	+23.60	-7.02	+19.47	+8.61	1.05	1.89	2.73	2.32	2.50	2.39
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+20.38	+12.22	+10.31	+8.24	8.99	10.34	9.81	10.88	2.27	1.18	1.05	0.76	-3.62	-14.28	-14.28	-38.22	5.63	5.46	11.68	10.14	+11.27	+16.02	+22.30	-5.68	+18.60	+8.18	0.82	1.86	2.71	2.26	2.36	2.35
Three Funds Bogleheads	3	80	20	0	+24.09	+12.76	+10.91	+8.18	10.37	11.65	10.96	12.25	2.32	1.10	1.00	0.67	-3.98	-17.02	-17.02	-43.68	6.05	4.84	10.68	8.74	+13.07	+15.39	+23.65	-6.89	+19.54	+8.39	0.92	2.02	2.84	2.33	2.54	2.49
Paul Boyer Permanent Portfolio Paul Boyer	5	25	50	25	+3.50	+6.05	+4.42	+8.04	5.52	6.14	6.47	7.31	0.63	0.99	0.68	1.10	-3.38	-6.72	-9.15	-13.66	1.04	5.08	5.92	27.08	+0.68	+15.04	+13.97	-3.50	+11.87	+7.19	0.37	1.04	1.80	1.48	1.39	1.28
Stocks/Bonds 60/40	2	60	40	0	+19.56	+12.13	+11.06	+8.00	8.35	9.38	8.36	8.92	2.34	1.29	1.32	0.90	-3.54	-12.29	-12.29	-30.54	5.53	6.29	15.09	11.99	+12.01	+15.70	+21.94	-3.17	+14.15	+8.71	0.87	2.04	2.54	2.25	2.27	2.30
Couch Potato Scott Burns	2	50	50	0	+18.98	+11.29	+9.78	+7.89	7.28	8.31	7.52	8.08	2.61	1.36	1.30	0.98	-3.23	-10.72	-10.72	-27.03	5.87	6.60	14.39	13.19	+12.29	+15.93	+19.51	-3.32	+12.07	+8.75	1.58	1.50	2.09	2.27	2.08	1.84
Aggressive Global Income	4	80	20	0	+25.85	+8.29	+8.33	+7.83	11.31	12.73	12.09	14.61	2.28	0.65	0.69	0.54	-3.64	-23.84	-23.84	-52.62	7.10	2.05	5.15	6.69	+14.27	-1.13	+19.97	-8.07	+13.53	+18.29	1.73	3.52	4.21	3.93	3.98	4.60
Sandwich Portfolio Bob Clyatt	8	55	45	0	+17.19	+8.87	+7.85	+7.83	6.78	7.53	7.24	8.09	2.53	1.18	1.08	0.97	-2.40	-10.74	-10.74	-28.96	7.18	4.93	10.52	12.14	+9.34	+10.59	+16.81	-4.77	+13.38	+6.63	0.63	1.53	2.61	2.10	2.06	1.95
All Weather Portfolio Ray Dalio	5	30	55	15	+8.37	+7.99	+7.45	+7.83	7.17	6.41	5.87	6.78	1.17	1.25	1.27	1.15	-3.71	-5.89	-6.93	-12.19	2.25	7.95	15.17	28.82	+5.94	+14.68	+18.22	-3.19	+11.47	+5.86	0.60	1.40	2.03	1.89	1.89	1.88
No Brainer Portfolio Bill Bernstein	4	75	25	0	+26.53	+11.30	+9.95	+7.80	10.45	11.66	10.79	11.81	2.54	0.97	0.92	0.66	-3.10	-18.24	-18.24	-40.40	8.55	3.88	8.67	8.64	+13.46	+11.61	+19.82	-6.41	+15.70	+11.03	0.64	1.53	2.49	1.97	1.94	1.87
Coffee House Bill Schultheis	7	60	40	0	+22.68	+9.15	+9.11	+7.76	8.34	9.62	8.65	9.74	2.72	0.95	1.05	0.80	-2.56	-15.36	-15.36	-33.93	8.87	3.57	9.06	10.20	+12.75	+7.45	+18.99	-5.19	+11.02	+11.04	1.04	2.25	2.89	2.56	2.57	2.64
Margaritaville Scott Burns	3	67	33	0	+21.21	+11.06	+8.98	+7.75	8.81	9.92	9.56	10.74	2.41	1.11	0.94	0.72	-3.40	-14.40	-14.40	-38.70	6.24	4.79	9.47	8.92	+11.57	+14.40	+20.39	-6.92	+17.22	+7.53	1.43	1.73	2.62	2.42	2.49	2.24
Robust Alpha Architect	8	70	20	10	+25.12	+10.33	+8.79	+7.71	9.92	11.70	10.58	11.78	2.53	0.88	0.83	0.65	-3.22	-19.46	-19.46	-45.15	7.79	3.26	6.80	7.57	+13.55	+9.55	+22.11	-7.40	+14.23	+7.34	0.66	1.27	2.02	1.68	1.74	1.86
Robo Advisor 50 Betterment	10	49.9	50.1	0	+15.88	+8.37	+7.72	+7.69	6.95	8.31	7.82	8.99	2.28	1.01	0.99	0.86	-2.08	-13.31	-13.31	-30.72	7.63	3.72	8.29	11.07	+7.64	+9.50	+17.41	-5.36	+14.19	+8.00	1.12	2.06	3.20	2.79	2.69	2.58
Simple Money Portfolio Tim Maurer	7	60	40	0	+20.54	+8.28	+7.79	+7.69	8.81	8.93	8.32	9.16	2.33	0.93	0.94	0.84	-2.73	-14.56	-14.56	-32.39	7.52	3.36	7.67	10.49	+10.49	+6.87	+16.14	-6.64	+13.36	+8.15	0.84	1.57	2.95	2.24	2.28	2.07
Ultimate Buy&Hold FundAdvice	12	60	40	0	+20.33	+7.96	+7.34	+7.68	7.72	8.78	8.30	9.43	2.63	0.91	0.88	0.81	-2.33	-15.07	-15.07	-34.23	8.74	3.10	6.84	9.91	+10.89	+5.84	+16.24	-6.85	+13.54	+8.37	1.03	1.73	2.84	2.37	2.35	2.19
GAA Global Asset Allocation Meb Faber	10	40.5	49.5	10	+12.61	+8.15	+7.24	+7.61	6.89	7.32	6.79	7.83	1.83	1.11	1.07	0.97	-2.99	-9.35	-9.35	-24.92	4.22	5.13	10.82	13.39	+7.24	+11.18	+19.10	-5.13	+13.30	+6.40	0.89	1.86	2.90	2.52	2.51	2.48
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	+18.08	+10.37	+8.67	+7.59	7.42	8.43	7.99	8.91	2.44	1.23	1.09	0.85	-3.04	-11.59	-11.59	-31.78	5.95	5.50	11.19	10.44	+10.43	+13.87	+18.74	-4.97	+14.85	+7.26	1.33	1.63	2.52	2.36	2.31	2.04
Five Asset Roger Gibson	6	60	20	20	+27.59	+9.53	+7.05	+7.58	9.89	10.95	10.40	11.95	2.79	0.87	0.68	0.63	-4.16	-19.29	-19.29	-44.74	6.64	2.99	5.06	7.41	+17.90	+5.29	+20.35	-7.26	+12.32	+9.61	0.85	1.93	3.02	2.60	2.44	2.53
Edge Select Moderate Merrill Lynch	12	53	47	0	+15.96	+10.21	+8.82	+7.56	7.28	8.23	7.80	8.56	2.19	1.24	1.13	0.88	-2.86	-10.96	-10.96	-29.57	5.58	5.71	12.12	11.15	+8.66	+13.88	+19.44	-4.47	+15.00	+7.31	0.85	1.93	2.80	2.40	2.39	2.40
Permanent Portfolio Harry Browne	4	25	50	25	+3.70	+7.28	+5.87	+7.52	6.20	6.09	6.01	6.47	0.60	1.20	0.98	1.16	-4.43	-5.91	-6.98	-12.62	0.84	7.12	11.03	25.84	+2.71	+16.10	+16.17	-1.76	+10.97	+5.54	0.38	0.94	1.73	1.53	1.34	1.20
Coward's Portfolio Bill Bernstein	10	60	40	0	+21.54	+9.25	+8.67	+7.32	8.26	9.38	8.59	9.52	2.61	0.99	1.01	0.77	-2.43	-15.14	-15.14	-33.86	8.87	3.68	8.57	9.17	+11.61	+8.12	+18.34	-5.49	+12.63	+10.13	0.75	1.81	2.75	2.27	2.14	2.13
Dynamic 60/40 Income	5	60	40	0	+18.18	+7.88	+8.22	+7.19	6.55	8.51	7.92	9.99	2.78	0.93	1.04	0.72	-2.39	-14.25	-14.25	-41.44	7.62	3.24	8.45	7.27	+11.71	+6.26	+18.59	-3.28	+8.11	+7.39	1.51	3.17	4.05	3.81	3.70	3.90
All Country World Stocks	1	100	0	0	+30.09	+14.43	+11.52	+7.17	13.01	14.52	13.97	15.94	2.31	0.99	0.82	0.45	-4.91	-22.15	-22.15	-57.05	6.13	4.34	8.92	5.25	+16.02	+16.61	+26.82	-9.76	+24.49	+8.51	0.82	1.91	2.90	2.25	2.59	2.55
Ideal Index Frank Armstrong	7	70	30	0	+23.73	+9.03	+8.10	+7.17	9.28	10.19	9.69	11.01	2.56	0.89	0.84	0.65	-2.65	-17.17	-17.17	-40.12	8.94	3.15	6.87	7.46	+12.29	+6.95	+17.96	-6.68	+13.88	+9.05	0.76	1.75	2.83	2.27	2.25	2.19
All Country World 80/20	4	80	20	0	+23.93	+12.26	+10.08	+7.12	10.61	11.83	11.32	12.82	2.26	1.04	0.89	0.56	-3.98	-17.98	-17.98	-47.32	6.01	4.35	8.97	6.25	+12.66	+14.55	+23.35	-7.79	+20.43	+7.66	0.87	1.98	3.01	2.44	2.64	2.59
Big Rocks Portfolio Larry Swedroe	11	60	40	0	+21.94	+8.23	+7.80	+7.08	8.27	9.21	8.45	9.39	2.65	0.89	0.92	0.75	-2.31	-15.62	-15.62	-33.81	9.49	3.11	7.17	8.65	+11.97	+5.25	+15.98	-5.45	+11.28	+9.71	0.68	1.57	2.72	2.14	1.97	1.86
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+13.47	+6.98	+6.19	+6.99	6.10	6.43	6.07	7.19	2.21	1.09	1.02	0.97	-2.41	-8.71	-8.71	-24.26	5.60	4.60	9.45	11.78	+8.66	+7.98	+16.67	-4.12	+9.02	+7.14	1.02	1.88	3.13	2.84	2.55	2.53
All Country World 60/40	4	60	40	0	+17.92	+10.04	+8.58	+6.88	8.27	9.25	8.78	9.90	2.17	1.09	0.98	0.70	-3.06	-13.81	-13.81	-36.71	5.86	4.45	9.26	7.58	+9.30	+12.48	+19.89	-5.81	+16.36	+6.82	0.92	2.05	3.13	2.64	2.68	2.62
High Yield Bonds Income	4	0	100	0	+6.16	+5.31	+5.82	+6.87	5.47	7.87	7.39	9.03	1.13	0.67	0.79	0.76	-3.16	-11.99	-11.99	-23.98	1.95	2.46	6.35	11.58	+1.47	+7.08	+16.98	-4.53	+8.78	+12.01	2.20	4.38	5.32	5.01	5.10	5.64
Stocks/Bonds 40/60	2	40	60	0	+12.85	+9.15	+8.43	+6.86	6.16	6.61	5.84	6.19	2.09	1.38	1.44	1.11	-2.59	-8.09	-8.09	-19.17	4.95	6.79	15.41	14.46	+7.73	+13.04	+17.57	-2.15	+10.63	+6.64	0.95	2.20	2.66	2.43	2.38	2.38
Ivy Portfolio Mebane Faber	5	60	20	20	+27.34	+8.78	+6.39	+6.86	10.24	11.85	10.92	12.35	2.67	0.74	0.59	0.56	-4.36	-21.77	-21.77	-47.40	6.27	2.40	3.94	5.84	+17.63	+2.25	+21.16	-7.88	+12.20	+7.80	0.89	2.02	2.63	2.35	2.46	2.56
Desert Portfolio Gyroscopic Investing	3	30	60	10	+8.04	+7.53	+6.26	+6.85	4.54	4.58	4.56	4.74	1.77	1.65	1.37	1.45	-2.38	-3.56	-3.56	-10.14	3.38	12.30	23.47	27.21	+5.18	+12.96	+14.41	-0.94	+8.38	+5.39	0.45	1.23	1.95	1.75	1.53	1.44
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+11.27	+8.19	+7.34	+6.76	5.45	6.09	5.78	6.31	2.07	1.34	1.27	1.07	-2.08	-7.78	-7.78	-20.49	5.42	6.20	13.23	13.17	+6.00	+11.65	+16.41	-2.89	+11.44	+6.14	0.85	1.95	2.92	2.55	2.41	2.43
Dynamic 40/60 Income	5	40	60	0	+11.42	+6.88	+6.96	+6.72	5.53	7.34	6.60	8.21	2.07	0.94	1.05	0.82	-1.85	-12.42	-12.42	-29.85	6.16	3.18	7.72	8.96	+5.82	+8.28	+15.91	-3.18	+9.18	+7.53	1.64	3.24	4.21	3.98	3.81	3.91
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	+23.19	+7.83	+5.51	+6.63	8.38	9.84	9.17	10.11	2.77	0.80	0.60	0.66	-2.81	-17.91	-17.91	-37.97	8.25	2.56	3.96	6.88	+13.62	+3.64	+17.04	-6.60	+11.15	+7.88	0.55	1.34	2.13	1.80	1.69	1.63
Lifepath Fund iShares	6	40.4	59.6	0	+12.62	+8.20	+7.23	+6.60	5.93	6.39	5.89	6.50	2.13	1.28	1.23	1.01	-2.42	-8.34	-8.34	-21.24	5.22	5.79	12.11	12.19	+7.05	+11.47	+16.20	-3.49	+11.24	+6.11	1.13	2.15	2.76	2.53	2.51	2.41
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	+19.66	+9.92	+8.34	+6.56	8.98	9.23	8.90	9.88	2.19	1.07	0.94	0.66	-3.65	-13.71	-13.71	-36.42	5.39	4.41	8.96	7.04	+10.86	+10.55	+18.69	-5.85	+15.52	+5.01	0.78	1.64	2.72	2.16	2.06	1.97
Developed World ex-US 80/20	2	80	20	0	+22.72	+8.98	+7.25	+6.52	11.92	11.74	11.72	13.51	1.91	0.76	0.62	0.48	-3.91	-19.27	-19.27	-47.74	5.82	2.79	5.26	5.31	+9.81	+8.72	+19.67	-11.24	+21.61	+3.06	1.20	2.00	3.64	2.85	3.20	2.85
European Stocks	1	100	0	0	+32.53	+10.89	+8.02	+6.47	18.29	16.38	16.30	18.71	1.78	0.66	0.49	0.35	-8.35	-25.66	-25.66	-59.77	3.89	2.64	4.53	4.19	+17.55	+6.11	+24.86	-14.91	+26.99	-0.37	1.68	2.85	3.99	3.28	3.37	3.42
All Country World 40/60	4	40	60	0	+12.06	+7.80	+7.03	+6.47	6.07	6.84	6.41	7.24	1.99	1.14	1.10	0.89	-2.13	-10.06	-10.06	-25.16	5.67	4.53	9.67	9.95	+5.94	+10.42	+16.42	-3.84	+12.29	+5.97	0.97	2.13	3.24	2.83	2.73	2.66
Developed World ex-US Stocks	1	100	0	0	+28.71	+10.31	+7.77	+6.45	15.24	14.75	14.71	17.04	1.88	0.70	0.53	0.38	-5.28	-24.15	-24.15	-57.00	5.44	2.62	4.61	4.37	+12.53	+9.74	+22.62	-14.75	+26.42	+2.67	1.37	2.21	3.65	2.80	3.44	3.07
Larry Portfolio Larry Swedroe	4	30	70	0	+10.28	+5.19	+4.80	+6.45	4.05	4.32	4.36	5.00	2.54	1.20	1.10	1.29	-0.79	-5.39	-5.39	-11.46	13.03	5.35	11.10	21.71	+4.79	+6.44	+10.64	-3.54	+7.74	+6.87	0.58	1.29	2.32	1.96	1.76	1.58
Developed World ex-US 60/40	2	60	40	0	+16.95	+7.56	+6.63	+6.41	8.77	8.87	8.85	10.18	1.93	0.85	0.75	0.63	-2.57	-14.55	-14.55	-37.48	6.60	3.02	6.19	6.57	+7.08	+7.71	+16.72	-7.73	+16.81	+3.45	1.02	1.79	3.62	2.89	2.96	2.63
Developed World ex-US 40/60	2	40	60	0	+11.39	+6.07	+5.93	+6.14	5.86	6.20	6.17	7.11	1.94	0.98	0.96	0.86	-1.29	-9.83	-9.83	-26.16	8.84	3.48	7.92	8.76	+4.36	+6.69	+13.77	-4.22	+12.01	+3.84	0.85	1.58	3.61	2.94	2.73	2.40
All Country World 20/80	4	20	80	0	+6.35	+5.51	+5.43	+5.91	4.16	4.82	4.43	5.08	1.53	1.14	1.23	1.16	-1.68	-6.55	-6.55	-14.04	3.77	4.69	10.64	15.35	+2.57	+8.36	+12.96	-1.87	+8.23	+5.12	1.01	2.20	3.36	3.03	2.77	2.69
Developed World ex-US 20/80	2	20	80	0	+6.03	+4.50	+5.13	+5.72	3.41	3.97	3.91	4.56	1.77	1.13	1.31	1.26	-1.48	-5.98	-5.98	-15.54	4.06	4.11	10.86	13.13	+1.64	+5.67	+10.82	-0.71	+7.20	+4.23	0.67	1.37	3.59	2.98	2.49	2.18
Stocks/Bonds 20/80	2	20	80	0	+6.29	+6.15	+5.76	+5.59	4.23	4.32	3.78	4.07	1.49	1.42	1.52	1.37	-1.62	-3.91	-3.91	-8.42	3.87	8.89	19.20	23.36	+3.45	+10.38	+13.20	-1.13	+7.10	+4.58	1.04	2.37	2.79	2.60	2.49	2.46
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+8.93	+5.76	+4.53	+5.24	3.68	3.87	3.86	4.46	2.43	1.49	1.17	1.18	-1.56	-4.64	-4.64	-12.91	5.71	6.97	12.00	13.77	+5.78	+8.69	+10.30	-1.96	+6.78	+4.66	1.05	1.56	2.41	2.13	2.19	1.77
All Country World Bonds	3	0	100	0	+0.78	+3.18	+3.77	+5.22	3.05	3.80	3.49	4.09	0.26	0.84	1.08	1.28	-3.44	-3.92	-5.14	-8.82	0.23	4.32	8.72	20.05	-0.79	+6.30	+9.49	+0.10	+4.16	+4.27	1.06	2.27	3.47	3.22	2.82	2.73
Total Bond Developed World ex-US	1	0	100	0	+0.86	+2.86	+4.26	+5.15	2.61	3.10	3.08	3.56	0.33	0.92	1.38	1.45	-2.48	-3.03	-4.25	-10.04	0.35	4.98	12.18	17.25	-1.08	+4.65	+7.87	+2.81	+2.40	+4.61	0.50	1.16	3.58	3.03	2.25	1.96
10-year Treasury	1	0	100	0	-2.82	+2.67	+3.13	+5.06	4.51	5.31	5.32	6.48	-0.63	0.50	0.59	0.78	-6.94	-7.54	-7.60	-7.60	-0.41	1.87	4.75	22.17	-1.87	+10.01	+8.03	+0.99	+2.55	+1.00	0.44	1.18	2.22	2.24	1.85	1.81
Edge Select Conservative Merrill Lynch	12	21	79	0	+6.77	+5.21	+4.89	+5.01	3.20	3.58	3.44	3.81	2.11	1.45	1.42	1.32	-1.02	-4.57	-4.57	-10.97	6.65	6.31	13.39	15.13	+3.39	+6.74	+11.07	-1.01	+6.67	+4.67	0.66	1.56	2.79	2.42	2.00	1.87
Robo Advisor 20 Betterment	12	19.9	80.1	0	+6.29	+4.51	+4.00	+4.89	2.92	3.32	3.24	3.73	2.15	1.36	1.23	1.31	-0.88	-4.38	-4.38	-9.96	7.16	5.64	10.95	16.03	+2.99	+6.01	+9.57	-1.42	+6.24	+4.01	0.67	1.58	2.70	2.30	1.87	1.69
Conservative Income Charles Schwab	6	5	95	0	+3.27	+3.30	+3.10	+4.19	2.41	2.88	2.86	3.35	1.35	1.15	1.08	1.25	-1.39	-2.57	-4.31	-7.02	2.34	6.87	8.28	18.13	+2.03	+5.45	+8.37	-0.17	+2.91	+3.48	1.16	1.91	2.80	2.74	2.29	2.07
Total Bond US	1	0	100	0	-0.12	+3.12	+3.05	+4.19	3.09	3.58	3.24	3.67	-0.04	0.87	0.94	1.14	-3.64	-3.88	-4.01	-4.01	-0.03	4.28	8.73	31.66	-0.82	+7.71	+8.83	-0.12	+3.57	+2.52	1.13	2.53	2.91	2.77	2.60	2.54
Robo Advisor 10 Betterment	12	9.9	90.1	0	+3.11	+3.11	+2.58	+3.68	1.52	1.66	1.70	2.08	2.04	1.87	1.52	1.77	-0.47	-1.19	-1.32	-3.57	6.62	13.89	22.07	29.63	+1.46	+4.71	+6.61	+0.02	+3.34	+2.45	0.46	1.36	2.45	2.04	1.49	1.28
Robo Advisor 0 Betterment	2	0	100	0	+0.06	+1.68	+1.17	+2.43	0.36	1.08	0.94	1.50	0.17	1.55	1.24	1.62	-0.20	-1.01	-1.01	-1.21	0.30	8.65	12.30	51.14	-0.02	+3.37	+3.70	+1.44	+0.45	+0.92	0.25	1.14	2.21	1.78	1.11	0.88
Short Term Treasury	1	0	100	0	0.00	+1.55	+1.03	+2.29	0.28	1.05	0.89	1.50	0.00	1.48	1.16	1.53	-0.17	-0.91	-0.91	-1.19	0.00	8.82	11.88	48.32	-0.01	+3.03	+3.38	+1.46	+0.26	+0.82	0.14	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

Investing for Growth: How to make money by only buying the best companies in the ...

The ETF Book: All You Need to Know About Exchange-Traded Funds, Updated Edition ...

Principles for Success

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