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 Dec 2020
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y  ▾
Technology
1 100 0 0 +48.40 +23.96 +20.35
US Stocks
1 100 0 0 +21.03 +15.44 +13.77
Warren Buffett
2 90 10 0 +19.19 +14.32 +12.76
Stocks/Bonds 80/20
2 80 20 0 +18.36 +13.30 +11.86
Simple Path to Wealth
JL Collins
2 75 25 0 +17.70 +12.76 +11.38
Second Grader's Starter
Paul Farrell
3 90 10 0 +16.72 +12.54 +10.28
Stocks/Bonds 60/40
2 60 40 0 +15.70 +11.13 +9.90
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +17.62 +12.65 +9.86
Core Four
Rick Ferri
4 80 20 0 +13.93 +11.09 +9.48
World Developed Stocks
1 100 0 0 +16.61 +12.51 +9.34
Four Funds
Bogleheads
4 80 20 0 +15.71 +11.53 +9.34
Three Funds
Bogleheads
3 80 20 0 +15.39 +11.47 +9.33
Robo Advisor 100
Betterment
6 100 0 0 +11.97 +11.65 +9.30
Yale Endowment
David Swensen
6 70 30 0 +12.03 +9.74 +9.07
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +16.02 +11.42 +9.02
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +8.02 +8.66 +8.95
Robo Advisor 90
Betterment
11 90.1 9.9 0 +11.97 +11.20 +8.94
Couch Potato
Scott Burns
2 50 50 0 +15.93 +10.30 +8.93
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +12.75 +11.19 +8.84
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +7.09 +10.08 +8.81
Mid-Twenties
Burton Malkiel
8 87 13 0 +12.95 +11.24 +8.79
Mid-Fifties
Burton Malkiel
8 80 20 0 +11.71 +10.77 +8.74
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +14.59 +10.75 +8.71
World Developed 80/20
2 80 20 0 +14.22 +11.01 +8.59
Robo Advisor 80
Betterment
10 80 20 0 +11.38 +10.54 +8.48
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +10.03 +9.90 +8.36
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +11.61 +9.96 +8.26
Lazy Portfolio
David Swensen
6 70 30 0 +10.56 +9.20 +8.08
Edge Select Moderate
Merrill Lynch
12 53 47 0 +13.88 +9.90 +7.98
Stocks/Bonds 40/60
2 40 60 0 +13.04 +8.94 +7.90
Coffee House
Bill Schultheis
7 60 40 0 +7.45 +8.36 +7.87
Margaritaville
Scott Burns
3 67 33 0 +14.40 +10.07 +7.83
All Weather Portfolio
Ray Dalio
5 30 55 15 +14.68 +9.14 +7.77
World Developed 60/40
2 60 40 0 +11.83 +9.46 +7.77
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +13.87 +9.62 +7.76
Golden Butterfly
5 40 40 20 +13.93 +9.68 +7.70
Robust
Alpha Architect
8 70 20 10 +9.55 +8.72 +7.58
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +12.37 +9.96 +7.48
Coward's Portfolio
Bill Bernstein
10 60 40 0 +8.12 +8.45 +7.36
Dynamic 60/40 Income
5 60 40 0 +6.26 +7.19 +7.19
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +10.59 +8.26 +6.99
Robo Advisor 50
Betterment
10 49.9 50.1 0 +9.26 +8.43 +6.98
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +10.55 +8.43 +6.97
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +11.65 +8.34 +6.93
World Developed 40/60
2 40 60 0 +9.43 +7.85 +6.88
Lifepath Fund
iShares
6 40.4 59.6 0 +11.47 +8.09 +6.75
Aggressive Global Income
4 80 20 0 -1.13 +7.93 +6.74
Simple Money Portfolio
Tim Maurer
7 60 40 0 +6.87 +7.27 +6.68
Pinwheel
8 65 25 10 +9.12 +8.60 +6.66
Permanent Portfolio
Harry Browne
4 25 50 25 +16.10 +9.19 +6.66
Ideal Index
Frank Armstrong
7 70 30 0 +6.95 +7.89 +6.60
Dynamic 40/60 Income
5 40 60 0 +8.28 +7.37 +6.54
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +5.25 +7.10 +6.40
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +12.96 +7.90 +6.37
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +5.84 +7.11 +6.22
High Yield Bonds Income
4 0 100 0 +7.08 +7.82 +6.17
World Developed 20/80
2 20 80 0 +7.04 +6.18 +5.93
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +7.98 +7.13 +5.90
Stocks/Bonds 20/80
2 20 80 0 +10.38 +6.71 +5.84
European Stocks
1 100 0 0 +6.11 +7.36 +5.67
Five Asset
Roger Gibson
6 60 20 20 +5.29 +7.67 +5.54
Paul Boyer Permanent Portfolio
Paul Boyer
5 25 50 25 +15.04 +8.69 +5.34
Total Bond World Developed
1 0 100 0 +4.65 +4.45 +4.90
Edge Select Conservative
Merrill Lynch
12 21 79 0 +6.74 +5.55 +4.78
Ivy Portfolio
Mebane Faber
5 60 20 20 +2.25 +6.66 +4.76
Larry Portfolio
Larry Swedroe
4 30 70 0 +6.44 +5.52 +4.60
10-year Treasury
1 0 100 0 +10.01 +4.45 +4.48
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +8.69 +5.61 +4.45
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +3.64 +6.32 +4.21
Robo Advisor 20
Betterment
12 19.9 80.1 0 +5.91 +4.81 +3.84
Total Bond US
1 0 100 0 +7.71 +4.45 +3.73
Conservative Income
Charles Schwab
6 5 95 0 +5.45 +3.97 +3.38
Emerging Markets
1 100 0 0 +17.03 +12.26 +2.95
Robo Advisor 10
Betterment
12 9.9 90.1 0 +4.67 +3.40 +2.60
Gold
1 0 0 100 +24.81 +11.94 +2.55
Robo Advisor 0
Betterment
2 0 100 0 +3.37 +1.97 +1.35
Short Term Treasury
1 0 100 0 +3.03 +1.79 +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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