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 May 2021
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y  ▾
Technology
 1 100 0 0 +43.78 +25.81 +20.27
US Stocks
 1 100 0 0 +44.15 +17.39 +14.21
Warren Buffett
 2 90 10 0 +37.01 +16.01 +13.13
Stocks/Bonds 80/20
 2 80 20 0 +33.98 +14.59 +12.10
Simple Path to Wealth
JL Collins		 2 75 25 0 +31.54 +13.89 +11.56
Second Grader's Starter
Paul Farrell		 3 90 10 0 +38.59 +14.16 +10.63
Edge Select Aggressive
Merrill Lynch		 12 84 16 0 +36.98 +14.06 +10.18
Robo Advisor 100
Betterment		 6 100 0 0 +46.23 +13.94 +10.00
Stocks/Bonds 60/40
 2 60 40 0 +24.44 +11.77 +9.94
Core Four
Rick Ferri		 4 80 20 0 +32.96 +12.42 +9.72
Four Funds
Bogleheads		 4 80 20 0 +34.39 +12.87 +9.60
Three Funds
Bogleheads		 3 80 20 0 +33.51 +12.77 +9.58
Robo Advisor 90
Betterment		 11 90.1 9.9 0 +41.99 +13.14 +9.53
Ultimate Buy and Hold Strategy
Paul Merriman		 10 100 0 0 +48.93 +12.18 +9.33
Edge Select Moderately Aggressive
Merrill Lynch		 12 69 31 0 +29.71 +12.34 +9.18
Late Thirties to Early Forties
Burton Malkiel		 8 85 15 0 +35.32 +12.48 +9.12
Mid-Twenties
Burton Malkiel		 8 87 13 0 +36.42 +12.62 +9.10
Yale Endowment
David Swensen		 6 70 30 0 +25.52 +10.45 +9.08
Talmud Portfolio
Roger Gibson		 3 66.7 33.3 0 +24.70 +9.69 +9.04
Family Taxable Portfolio
Ted Aronson		 11 70 30 0 +32.40 +11.67 +8.98
Mid-Fifties
Burton Malkiel		 8 80 20 0 +32.86 +11.87 +8.95
Couch Potato
Scott Burns		 2 50 50 0 +23.93 +10.90 +8.95
Robo Advisor 80
Betterment		 10 80 20 0 +36.82 +12.10 +8.94
No Brainer Portfolio
Bill Bernstein		 4 75 25 0 +36.79 +11.77 +8.80
Late Sixties and Beyond
Burton Malkiel		 8 71 29 0 +28.43 +10.76 +8.49
Coffee House
Bill Schultheis		 7 60 40 0 +27.98 +9.61 +8.27
Lazy Portfolio
David Swensen		 6 70 30 0 +28.44 +10.35 +8.26
Margaritaville
Scott Burns		 3 67 33 0 +29.91 +11.13 +8.00
Edge Select Moderate
Merrill Lynch		 12 53 47 0 +22.66 +10.35 +7.98
Dimensional 2030 Retirement Income
DFA		 8 55.9 44.1 0 +24.74 +10.34 +7.83
Coward's Portfolio
Bill Bernstein		 10 60 40 0 +28.15 +9.74 +7.82
Golden Butterfly
 5 40 40 20 +19.85 +9.54 +7.81
Gone Fishin' Portfolio
Alexander Green		 10 65 30 5 +33.16 +11.02 +7.74
Stocks/Bonds 40/60
 2 40 60 0 +15.49 +8.93 +7.73
Robust
Alpha Architect		 8 70 20 10 +32.40 +9.99 +7.70
Aggressive Global Income
 4 80 20 0 +33.67 +9.26 +7.29
All Weather Portfolio
Ray Dalio		 5 30 55 15 +8.94 +7.90 +7.25
Andrew Tobias Portfolio
Andrew Tobias		 3 66.7 33.3 0 +26.18 +9.79 +7.22
Dynamic 60/40 Income
 5 60 40 0 +20.39 +7.78 +7.21
Sandwich Portfolio
Bob Clyatt		 8 55 45 0 +22.68 +9.04 +7.13
Ideal Index
Frank Armstrong		 7 70 30 0 +31.70 +9.59 +7.11
Simple Money Portfolio
Tim Maurer		 7 60 40 0 +26.98 +8.67 +7.09
Robo Advisor 50
Betterment		 10 49.9 50.1 0 +22.32 +8.88 +7.05
Pinwheel
 8 65 25 10 +29.04 +9.72 +7.01
Big Rocks Portfolio
Larry Swedroe		 11 60 40 0 +28.30 +8.72 +6.98
Edge Select Moderately Conservative
Merrill Lynch		 12 37 63 0 +15.50 +8.31 +6.77
Lifepath Fund
iShares		 6 40.4 59.6 0 +16.35 +8.23 +6.65
Ultimate Buy&Hold
FundAdvice		 12 60 40 0 +26.64 +8.38 +6.63
Dynamic 40/60 Income
 5 40 60 0 +15.46 +7.09 +6.35
Developed World Stocks
 1 100 0 0 +42.54 +10.66 +6.33
Permanent Portfolio
Harry Browne		 4 25 50 25 +8.10 +7.82 +6.15
Desert Portfolio
Gyroscopic Investing		 3 30 60 10 +11.95 +7.66 +6.14
Developed World 80/20
 2 80 20 0 +32.71 +9.31 +6.13
Five Asset
Roger Gibson		 6 60 20 20 +34.42 +9.29 +6.02
European Stocks
 1 100 0 0 +45.63 +10.39 +6.01
Developed World 60/40
 2 60 40 0 +23.63 +7.88 +5.83
Rob Arnott Portfolio
Rob Arnott		 8 30 60 10 +15.20 +6.93 +5.72
High Yield Bonds Income
 4 0 100 0 +8.67 +6.01 +5.51
Stocks/Bonds 20/80
 2 20 80 0 +7.08 +6.08 +5.47
Developed World 40/60
 2 40 60 0 +15.22 +6.38 +5.43
Ivy Portfolio
Mebane Faber		 5 60 20 20 +33.94 +8.30 +5.27
Developed World 20/80
 2 20 80 0 +7.41 +4.80 +4.94
Paul Boyer Permanent Portfolio
Paul Boyer		 5 25 50 25 +10.35 +7.38 +4.94
Larry Portfolio
Larry Swedroe		 4 30 70 0 +14.31 +5.85 +4.76
7Twelve Portfolio
Craig Israelsen		 9 50 33.3 16.7 +29.82 +7.73 +4.68
Edge Select Conservative
Merrill Lynch		 12 21 79 0 +8.71 +5.39 +4.63
Total Bond Developed World
 1 0 100 0 +0.15 +3.14 +4.35
Dimensional Retirement Income Fund
DFA		 7 20.4 79.6 0 +11.68 +5.69 +4.35
Robo Advisor 20
Betterment		 12 19.9 80.1 0 +8.70 +4.79 +3.79
10-year Treasury
 1 0 100 0 -5.38 +2.60 +3.60
Emerging Markets
 1 100 0 0 +47.80 +12.97 +3.38
Total Bond US
 1 0 100 0 -0.82 +3.20 +3.15
Conservative Income
Charles Schwab		 6 5 95 0 +3.04 +3.34 +3.05
Robo Advisor 10
Betterment		 12 9.9 90.1 0 +4.36 +3.29 +2.52
Gold
 1 0 0 100 +9.50 +8.98 +1.77
Robo Advisor 0
Betterment		 2 0 100 0 +0.27 +1.77 +1.25
Short Term Treasury
 1 0 100 0 +0.14 +1.62 +1.10
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 Tyranny of Big Tech
Big Debt Crises
Big Debt Crises
Return / Risk Charts:
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