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 investment style (Classic or Alternative?), pick your Lazy Portfolios and implement them with ETFs.

Choose a Lazy Portfolio Type:

Last Update - 31 October 2021

A Classic Lazy Portfolio contains the main traditional asset classes, with the aim to achieve above-average returns while taking a below-average risk.

Interested in short term returns? Click here.

Do you want to focus on Dividends? Click here.

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		% 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	25Y ▾	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	1Y	5Y	10Y	25Y	2021	2020	2019	2018	2017	2016	2021	2020	2019	2018	2017	2016
Technology	1	100	0	0	+44.10	+27.94	+22.09	+13.56	15.07	17.02	15.42	24.76	2.93	1.64	1.43	0.55	-5.68	-16.96	-16.96	-81.08	7.76	14.32	37.50	28.40	+23.50	+48.40	+38.96	-0.12	+32.66	+7.10	0.38	0.64	1.03	0.91	1.10	1.13
US Stocks	1	100	0	0	+43.80	+18.93	+16.10	+10.01	13.16	15.68	13.40	15.74	3.33	1.21	1.20	0.64	-4.46	-20.84	-20.84	-50.84	9.82	6.62	16.54	19.40	+22.88	+21.03	+30.67	-5.21	+21.21	+12.83	1.07	1.71	2.29	1.91	2.05	2.14
Warren Buffett	2	90	10	0	+38.28	+17.59	+14.84	+9.47	11.86	13.70	11.74	13.77	3.23	1.28	1.26	0.69	-4.32	-17.49	-17.49	-45.53	8.86	7.13	17.09	18.92	+21.16	+19.19	+28.46	-3.84	+19.83	+10.69	0.98	1.67	2.33	1.95	2.00	2.03
Aggressive Global Income	4	80	20	0	+30.31	+8.38	+8.18	+9.31	11.12	12.84	11.52	14.81	2.73	0.65	0.71	0.63	-3.13	-23.84	-23.84	-52.62	9.68	2.08	5.01	15.71	+14.01	-1.13	+19.97	-8.07	+13.53	+18.29	2.55	3.52	4.21	3.93	3.98	4.60
Stocks/Bonds 80/20	2	80	20	0	+34.26	+15.82	+13.54	+9.28	10.94	12.59	10.76	12.50	3.13	1.26	1.26	0.74	-3.88	-16.53	-16.53	-41.09	8.83	6.56	15.49	19.95	+17.95	+18.36	+26.30	-4.19	+17.68	+10.77	1.14	1.87	2.41	2.08	2.16	2.22
Simple Path to Wealth JL Collins	2	75	25	0	+31.93	+15.03	+12.89	+9.07	10.38	11.83	10.11	11.71	3.08	1.27	1.27	0.77	-3.72	-15.47	-15.47	-38.54	8.58	6.56	15.27	20.15	+16.72	+17.70	+25.21	-3.94	+16.80	+10.25	1.16	1.92	2.45	2.13	2.19	2.24
Yale Endowment David Swensen	6	70	30	0	+27.86	+11.36	+9.98	+9.07	9.71	9.88	8.93	10.73	2.87	1.15	1.12	0.85	-3.85	-13.19	-13.19	-39.46	7.24	5.41	12.04	19.67	+14.68	+12.03	+22.65	-6.20	+14.99	+7.39	1.76	2.12	2.91	2.73	2.83	2.84
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	+29.20	+11.02	+10.17	+8.97	9.41	10.23	9.05	10.69	3.10	1.08	1.12	0.84	-3.93	-15.15	-15.15	-40.18	7.43	4.53	10.78	18.84	+17.33	+8.02	+22.79	-3.78	+9.90	+7.99	1.59	2.63	3.16	3.00	2.99	3.25
Mid-Fifties Burton Malkiel	8	80	20	0	+28.91	+12.05	+10.16	+8.92	10.54	11.94	10.57	13.10	2.74	1.01	0.96	0.68	-3.95	-18.64	-18.64	-46.21	7.32	4.11	8.75	16.16	+13.46	+11.71	+23.79	-7.10	+19.19	+8.92	1.35	2.23	3.16	2.70	2.82	2.87
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+41.15	+11.83	+10.78	+8.89	13.60	15.70	13.64	16.04	3.03	0.75	0.79	0.55	-3.53	-27.54	-27.54	-57.21	11.66	2.72	6.48	12.95	+17.87	+6.40	+23.62	-11.86	+21.78	+12.36	1.56	2.06	3.37	2.53	2.89	2.80
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	+30.36	+12.58	+10.43	+8.80	10.93	12.47	11.08	13.77	2.78	1.01	0.94	0.64	-3.97	-19.37	-19.37	-48.28	7.65	4.18	8.76	14.98	+13.85	+12.75	+24.10	-7.61	+20.64	+8.99	1.25	2.11	3.05	2.54	2.69	2.70
Late Sixties and Beyond Burton Malkiel	8	71	29	0	+26.15	+11.08	+9.54	+8.77	9.69	10.79	9.50	11.74	2.70	1.03	1.00	0.75	-3.79	-16.82	-16.82	-41.80	6.90	4.11	8.84	17.20	+12.73	+10.03	+22.55	-5.90	+16.49	+8.48	1.39	2.27	3.19	2.81	2.83	2.91
Mid-Twenties Burton Malkiel	8	87	13	0	+31.06	+12.69	+10.46	+8.71	11.10	12.71	11.33	14.12	2.80	1.00	0.92	0.62	-3.98	-19.80	-19.80	-49.50	7.80	4.13	8.61	14.26	+14.06	+12.95	+24.15	-7.95	+21.11	+8.95	1.22	2.07	3.04	2.50	2.67	2.66
Edge Select Aggressive Merrill Lynch	12	84	16	0	+31.06	+14.28	+11.53	+8.60	10.74	12.55	11.17	13.43	2.89	1.14	1.03	0.64	-3.70	-17.65	-17.65	-45.64	8.39	5.38	11.21	15.06	+14.32	+17.62	+24.61	-6.88	+21.70	+9.21	1.12	1.73	2.60	2.10	2.29	2.23
Robo Advisor 100 Betterment	6	100	0	0	+38.08	+13.70	+11.56	+8.56	13.04	15.05	13.30	16.15	2.92	0.91	0.87	0.53	-3.75	-24.13	-24.13	-54.55	10.15	3.73	8.22	12.46	+16.66	+12.47	+25.35	-10.13	+23.37	+11.17	1.23	1.94	2.89	2.23	2.46	2.40
Lazy Portfolio David Swensen	6	70	30	0	+27.75	+10.92	+9.30	+8.54	8.96	9.97	8.95	10.83	3.10	1.10	1.04	0.79	-3.57	-14.65	-14.65	-40.88	7.77	4.64	9.78	16.54	+14.64	+10.56	+21.27	-5.67	+13.94	+7.74	1.67	2.03	2.85	2.63	2.65	2.65
Robo Advisor 90 Betterment	11	90.1	9.9	0	+34.14	+12.83	+10.89	+8.51	11.90	13.81	12.17	14.71	2.87	0.93	0.89	0.58	-3.56	-22.15	-22.15	-50.07	9.59	3.74	8.18	13.40	+14.87	+12.42	+23.85	-9.42	+21.88	+10.80	1.33	1.94	2.92	2.31	2.56	2.43
Second Grader's Starter Paul Farrell	3	90	10	0	+34.82	+14.74	+12.18	+8.45	11.67	13.37	11.80	14.08	2.98	1.10	1.03	0.60	-3.84	-19.32	-19.32	-48.52	9.07	5.12	11.16	13.59	+16.28	+16.72	+25.83	-7.40	+21.30	+9.42	1.32	1.94	2.78	2.25	2.49	2.45
Core Four Rick Ferri	4	80	20	0	+31.26	+13.08	+11.06	+8.43	10.50	11.76	10.32	12.27	2.98	1.11	1.07	0.69	-3.72	-17.12	-17.12	-44.43	8.40	4.96	10.84	14.76	+15.29	+13.93	+24.04	-6.41	+17.86	+8.53	1.41	2.14	2.91	2.48	2.65	2.67
Couch Potato Scott Burns	2	50	50	0	+24.41	+11.75	+9.64	+8.39	7.51	8.52	7.35	8.45	3.25	1.38	1.31	0.99	-2.76	-10.72	-10.72	-27.03	8.84	6.93	14.09	24.04	+13.61	+15.93	+19.51	-3.32	+12.07	+8.75	2.30	1.50	2.09	2.27	2.08	1.84
Stocks/Bonds 60/40	2	60	40	0	+25.08	+12.68	+10.94	+8.38	8.72	9.60	8.20	9.41	2.88	1.32	1.33	0.89	-3.24	-12.29	-12.29	-30.54	7.74	6.64	14.84	21.21	+13.02	+15.70	+21.94	-3.17	+14.15	+8.71	1.22	2.04	2.54	2.25	2.27	2.30
Robo Advisor 80 Betterment	10	80	20	0	+29.87	+11.76	+10.09	+8.37	10.70	12.39	10.94	13.23	2.79	0.95	0.92	0.63	-3.34	-19.90	-19.90	-45.48	8.94	3.74	8.12	14.21	+12.90	+11.77	+22.23	-8.43	+20.00	+10.10	1.37	1.97	2.99	2.43	2.60	2.47
Family Taxable Portfolio Ted Aronson	11	70	30	0	+26.88	+11.30	+9.67	+8.34	9.60	10.70	9.50	11.52	2.80	1.06	1.02	0.72	-2.70	-15.49	-15.49	-38.47	9.96	4.57	9.80	16.66	+10.91	+14.59	+19.91	-7.55	+18.03	+11.10	1.57	1.80	2.63	2.30	2.43	2.30
Golden Butterfly	5	40	40	20	+16.50	+9.24	+7.58	+8.22	6.28	7.01	6.61	7.45	2.63	1.32	1.15	1.10	-2.45	-7.15	-7.15	-14.80	6.73	7.77	15.06	41.94	+7.86	+13.93	+18.03	-4.03	+10.96	+10.82	0.73	1.09	1.81	1.54	1.44	1.41
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+25.36	+12.53	+10.24	+8.19	9.17	10.52	9.37	11.14	2.77	1.19	1.09	0.74	-3.28	-14.28	-14.28	-38.22	7.73	5.64	11.56	16.10	+11.68	+16.02	+22.30	-5.68	+18.60	+8.18	1.16	1.86	2.71	2.26	2.36	2.35
Four Funds Bogleheads	4	80	20	0	+30.87	+13.32	+10.90	+8.17	10.47	11.91	10.57	12.57	2.95	1.12	1.03	0.65	-3.50	-17.10	-17.10	-44.07	8.82	5.08	10.61	13.88	+14.43	+15.71	+23.60	-7.02	+19.47	+8.61	1.57	1.89	2.73	2.32	2.50	2.39
Robust Alpha Architect	8	70	20	10	+32.27	+11.25	+9.08	+8.16	9.89	11.84	10.09	11.46	3.26	0.95	0.90	0.71	-2.43	-19.46	-19.46	-45.15	13.28	3.62	7.12	13.51	+16.15	+9.55	+22.11	-7.40	+14.23	+7.34	0.92	1.27	2.02	1.68	1.74	1.86
Coffee House Bill Schultheis	7	60	40	0	+26.33	+9.70	+9.00	+8.08	8.43	9.70	8.29	9.55	3.12	1.00	1.09	0.85	-2.68	-15.36	-15.36	-33.93	9.82	3.83	8.90	17.61	+13.14	+7.45	+18.99	-5.19	+11.02	+11.04	1.53	2.25	2.89	2.56	2.57	2.64
Three Funds Bogleheads	3	80	20	0	+30.09	+13.19	+10.90	+8.06	10.52	11.85	10.51	12.50	2.86	1.11	1.04	0.64	-3.53	-17.02	-17.02	-43.68	8.52	5.04	10.66	13.62	+13.82	+15.39	+23.65	-6.89	+19.54	+8.39	1.36	2.02	2.84	2.33	2.54	2.49
Gone Fishin' Portfolio Alexander Green	10	65	30	5	+25.86	+10.47	+8.54	+8.04	9.33	10.84	9.68	12.18	2.77	0.97	0.88	0.66	-2.98	-17.17	-17.17	-43.03	8.68	3.76	7.40	13.75	+10.51	+12.37	+19.76	-7.32	+16.62	+10.50	1.65	2.16	2.90	2.56	2.64	2.61
All Weather Portfolio Ray Dalio	5	30	55	15	+13.74	+8.94	+7.18	+7.98	7.40	6.48	6.00	6.87	1.86	1.38	1.20	1.16	-3.71	-4.76	-6.93	-12.19	3.70	11.23	14.43	47.66	+7.26	+14.68	+18.22	-3.19	+11.47	+5.86	0.83	1.40	2.03	1.89	1.89	1.88
Pinwheel	8	65	25	10	+24.17	+9.48	+7.69	+7.94	8.17	9.53	8.68	10.56	2.96	1.00	0.89	0.75	-3.10	-14.99	-14.99	-36.89	7.80	3.82	7.33	15.58	+11.58	+9.12	+19.31	-6.39	+14.08	+8.63	0.99	1.62	2.58	2.16	2.14	2.11
No Brainer Portfolio Bill Bernstein	4	75	25	0	+31.32	+11.76	+9.92	+7.80	10.25	11.75	10.24	11.91	3.05	1.00	0.97	0.65	-2.73	-18.24	-18.24	-40.40	11.47	4.07	8.64	13.71	+14.10	+11.61	+19.82	-6.41	+15.70	+11.03	1.04	1.53	2.49	1.97	1.94	1.87
Robo Advisor 50 Betterment	10	49.9	50.1	0	+17.86	+8.50	+7.61	+7.75	7.32	8.41	7.49	9.19	2.44	1.01	1.02	0.84	-2.64	-13.31	-13.31	-30.72	6.77	3.79	8.14	17.78	+7.21	+9.50	+17.41	-5.36	+14.19	+8.00	1.45	2.06	3.20	2.79	2.69	2.58
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	+22.41	+10.63	+8.60	+7.74	7.63	8.61	7.69	9.10	2.94	1.23	1.12	0.85	-2.79	-11.59	-11.59	-31.78	8.03	5.67	11.06	17.15	+11.01	+13.87	+18.74	-4.97	+14.85	+7.26	1.90	1.63	2.52	2.36	2.31	2.04
Five Asset Roger Gibson	6	60	20	20	+36.87	+10.45	+7.47	+7.72	8.97	11.06	9.72	11.47	4.11	0.94	0.77	0.67	-1.80	-19.29	-19.29	-44.74	20.48	3.34	5.47	12.10	+21.22	+5.29	+20.35	-7.26	+12.32	+9.61	1.27	1.93	3.02	2.60	2.44	2.53
Sandwich Portfolio Bob Clyatt	8	55	45	0	+19.62	+9.03	+7.79	+7.71	7.10	7.65	6.89	8.13	2.76	1.18	1.13	0.95	-2.74	-10.74	-10.74	-28.96	7.16	5.03	10.41	18.66	+8.93	+10.59	+16.81	-4.77	+13.38	+6.63	0.87	1.53	2.61	2.10	2.06	1.95
Margaritaville Scott Burns	3	67	33	0	+26.21	+11.33	+8.96	+7.71	8.87	10.09	9.13	10.85	2.95	1.12	0.98	0.71	-2.96	-14.40	-14.40	-38.70	8.85	4.93	9.44	13.95	+12.22	+14.40	+20.39	-6.92	+17.22	+7.53	2.12	1.73	2.62	2.42	2.49	2.24
Simple Money Portfolio Tim Maurer	7	60	40	0	+23.48	+8.35	+7.73	+7.64	8.64	9.00	8.00	9.00	2.72	0.93	0.97	0.85	-2.28	-14.56	-14.56	-32.39	10.30	3.39	7.60	16.35	+10.09	+6.87	+16.14	-6.64	+13.36	+8.15	1.06	1.57	2.95	2.24	2.28	2.07
Edge Select Moderate Merrill Lynch	12	53	47	0	+19.47	+10.44	+8.71	+7.63	7.49	8.38	7.47	8.75	2.60	1.25	1.17	0.87	-2.75	-10.96	-10.96	-29.57	7.08	5.87	11.91	17.88	+8.74	+13.88	+19.44	-4.47	+15.00	+7.31	1.16	1.93	2.80	2.40	2.39	2.40
Coward's Portfolio Bill Bernstein	10	60	40	0	+24.95	+9.64	+8.59	+7.58	8.32	9.47	8.19	9.46	3.00	1.02	1.05	0.80	-2.51	-15.14	-15.14	-33.86	9.94	3.86	8.45	15.38	+11.96	+8.12	+18.34	-5.49	+12.63	+10.13	1.11	1.81	2.75	2.27	2.14	2.13
Ultimate Buy&Hold FundAdvice	12	60	40	0	+22.80	+8.08	+7.30	+7.56	7.78	8.85	7.90	9.23	2.93	0.91	0.92	0.82	-2.44	-15.07	-15.07	-34.23	9.34	3.15	6.79	15.13	+10.53	+5.84	+16.24	-6.85	+13.54	+8.37	1.44	1.73	2.84	2.37	2.35	2.19
GAA Global Asset Allocation Mebane Faber	10	40.5	49.5	10	+16.69	+8.72	+7.12	+7.53	7.07	7.40	6.68	7.69	2.36	1.18	1.07	0.98	-2.47	-9.35	-9.35	-24.92	6.76	5.55	10.58	20.62	+7.81	+11.18	+19.10	-5.13	+13.30	+6.40	1.19	1.86	2.90	2.52	2.51	2.48
Dynamic 60/40 Income	5	60	40	0	+21.78	+8.52	+8.13	+7.49	6.90	8.61	7.43	9.36	3.16	0.99	1.09	0.80	-2.58	-14.25	-14.25	-41.44	8.44	3.54	8.31	12.27	+12.37	+6.26	+18.59	-3.28	+8.11	+7.39	2.04	3.17	4.05	3.81	3.70	3.90
Stocks/Bonds 40/60	2	40	60	0	+16.24	+9.51	+8.30	+7.32	6.55	6.77	5.78	6.54	2.48	1.41	1.44	1.12	-2.56	-8.09	-8.09	-19.17	6.34	7.11	15.07	25.30	+8.10	+13.04	+17.57	-2.15	+10.63	+6.64	1.29	2.20	2.66	2.43	2.38	2.38
Big Rocks Portfolio Larry Swedroe	11	60	40	0	+25.14	+8.56	+7.77	+7.27	8.17	9.28	8.03	9.22	3.08	0.92	0.97	0.79	-2.22	-15.62	-15.62	-33.81	11.32	3.25	7.13	14.16	+12.26	+5.25	+15.98	-5.45	+11.28	+9.71	0.98	1.57	2.72	2.14	1.97	1.86
Dynamic 40/60 Income	5	40	60	0	+13.40	+7.09	+6.83	+7.23	5.59	7.39	6.22	8.07	2.40	0.96	1.10	0.90	-1.83	-12.42	-12.42	-29.85	7.32	3.29	7.53	15.85	+5.70	+8.28	+15.91	-3.18	+9.18	+7.53	2.14	3.24	4.21	3.98	3.81	3.91
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+17.63	+7.62	+6.17	+7.20	6.06	6.48	5.95	6.88	2.91	1.18	1.04	1.05	-1.71	-8.71	-8.71	-24.26	10.31	5.09	9.41	19.34	+9.93	+7.98	+16.67	-4.12	+9.02	+7.14	1.43	1.88	3.13	2.84	2.55	2.53
Ideal Index Frank Armstrong	7	70	30	0	+27.38	+9.41	+8.10	+7.17	9.29	10.28	9.11	10.82	2.95	0.92	0.89	0.66	-2.66	-17.17	-17.17	-40.12	10.29	3.31	6.87	11.59	+12.53	+6.95	+17.96	-6.68	+13.88	+9.05	1.19	1.75	2.83	2.27	2.25	2.19
Ivy Portfolio Mebane Faber	5	60	20	20	+37.16	+9.82	+6.73	+7.16	9.19	11.93	10.28	11.81	4.05	0.82	0.65	0.61	-1.65	-21.77	-21.77	-47.40	22.52	2.74	4.21	9.77	+21.17	+2.25	+21.16	-7.88	+12.20	+7.80	1.31	2.02	2.63	2.35	2.46	2.56
High Yield Bonds Income	4	0	100	0	+6.34	+5.36	+5.40	+7.09	5.52	7.87	7.07	8.65	1.15	0.68	0.76	0.82	-3.16	-11.99	-11.99	-23.98	2.01	2.49	5.76	18.92	+0.39	+7.08	+16.98	-4.53	+8.78	+12.01	2.82	4.38	5.32	5.01	5.10	5.64
Paul Boyer Permanent Portfolio Paul Boyer	5	25	50	25	+4.99	+6.38	+4.28	+7.07	5.85	6.13	6.39	7.32	0.85	1.04	0.67	0.97	-3.38	-6.72	-9.15	-13.66	1.48	5.39	5.69	33.09	-0.18	+15.04	+13.97	-3.50	+11.87	+7.19	0.51	1.04	1.80	1.48	1.39	1.28
Permanent Portfolio Harry Browne	4	25	50	25	+7.27	+7.86	+5.74	+6.99	6.72	6.18	6.07	6.43	1.08	1.27	0.95	1.09	-4.43	-4.43	-6.98	-12.62	1.64	10.37	10.72	35.01	+2.74	+16.10	+16.17	-1.76	+10.97	+5.54	0.54	0.94	1.73	1.53	1.34	1.20
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+13.37	+8.33	+7.19	+6.94	5.73	6.20	5.58	6.45	2.33	1.34	1.29	1.08	-2.24	-7.78	-7.78	-20.49	5.97	6.32	12.88	21.26	+5.75	+11.65	+16.41	-2.89	+11.44	+6.14	1.13	1.95	2.92	2.55	2.41	2.43
Desert Portfolio Gyroscopic Investing	3	30	60	10	+10.21	+7.67	+6.19	+6.94	4.85	4.71	4.41	5.12	2.10	1.63	1.40	1.36	-2.29	-3.56	-3.56	-10.14	4.46	12.55	23.12	42.85	+4.75	+12.96	+14.41	-0.94	+8.38	+5.39	0.64	1.23	1.95	1.75	1.53	1.44
Lifepath Fund iShares	6	40.4	59.6	0	+15.46	+8.43	+7.13	+6.92	6.17	6.51	5.74	6.62	2.51	1.29	1.24	1.05	-2.34	-8.34	-8.34	-21.24	6.61	5.99	11.89	20.36	+7.10	+11.47	+16.20	-3.49	+11.24	+6.11	1.58	2.15	2.76	2.53	2.51	2.41
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	+29.66	+8.54	+5.78	+6.91	7.66	9.88	8.59	9.93	3.87	0.86	0.67	0.70	-1.15	-17.91	-17.91	-37.97	25.79	2.83	4.21	11.37	+16.22	+3.64	+17.04	-6.60	+11.15	+7.88	0.75	1.34	2.13	1.80	1.69	1.63
All Country World 80/20	4	80	20	0	+29.65	+12.62	+10.16	+6.81	10.77	12.03	10.78	12.91	2.75	1.05	0.94	0.53	-3.60	-17.98	-17.98	-47.32	8.24	4.51	9.08	8.86	+13.16	+14.55	+23.35	-7.79	+20.43	+7.66	1.29	1.98	3.01	2.44	2.64	2.59
European Stocks	1	100	0	0	+43.70	+11.37	+8.09	+6.79	17.41	16.60	15.51	18.26	2.51	0.69	0.52	0.37	-5.38	-25.66	-25.66	-59.77	8.12	2.78	4.59	6.97	+16.82	+6.11	+24.86	-14.91	+26.99	-0.37	2.34	2.85	3.99	3.28	3.37	3.42
All Country World 60/40	4	60	40	0	+21.68	+10.31	+8.59	+6.78	8.57	9.40	8.42	10.02	2.53	1.10	1.02	0.68	-3.08	-13.81	-13.81	-36.71	7.04	4.58	9.27	11.31	+9.33	+12.48	+19.89	-5.81	+16.36	+6.82	1.31	2.05	3.13	2.64	2.68	2.62
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	+24.82	+10.25	+8.37	+6.66	8.83	9.38	8.54	10.03	2.81	1.09	0.98	0.66	-2.75	-13.71	-13.71	-36.42	9.03	4.59	9.00	11.00	+11.42	+10.55	+18.69	-5.85	+15.52	+5.01	0.92	1.64	2.72	2.16	2.06	1.97
All Country World Stocks	1	100	0	0	+37.95	+14.90	+11.69	+6.65	13.02	14.75	13.23	15.97	2.92	1.01	0.88	0.42	-4.10	-22.15	-22.15	-57.05	9.26	4.52	9.12	7.02	+16.99	+16.61	+26.82	-9.76	+24.49	+8.51	1.27	1.91	2.90	2.25	2.59	2.55
Larry Portfolio Larry Swedroe	4	30	70	0	+9.62	+5.03	+4.67	+6.58	4.35	4.32	4.16	5.12	2.21	1.16	1.12	1.29	-1.72	-5.39	-5.39	-11.46	5.60	5.16	10.73	34.21	+3.51	+6.44	+10.64	-3.54	+7.74	+6.87	0.81	1.29	2.32	1.96	1.76	1.58
All Country World 40/60	4	40	60	0	+14.04	+7.95	+6.96	+6.57	6.47	6.95	6.21	7.37	2.17	1.14	1.12	0.89	-2.52	-10.06	-10.06	-25.16	5.57	4.63	9.55	15.55	+5.50	+10.42	+16.42	-3.84	+12.29	+5.97	1.32	2.13	3.24	2.83	2.73	2.66
Emerging Markets Stocks	1	100	0	0	+15.57	+8.70	+4.34	+6.23	13.72	16.74	16.46	23.07	1.14	0.52	0.26	0.27	-8.65	-29.72	-30.19	-60.44	1.80	1.74	1.75	5.83	-1.02	+17.03	+18.20	-15.31	+37.28	+10.87	0.47	1.68	3.19	1.86	2.55	2.07
All Country World 20/80	4	20	80	0	+6.71	+5.55	+5.28	+6.22	4.58	4.87	4.37	5.17	1.46	1.14	1.21	1.20	-1.92	-6.55	-6.55	-14.04	3.49	4.73	10.28	25.05	+1.68	+8.36	+12.96	-1.87	+8.23	+5.12	1.34	2.20	3.36	3.03	2.77	2.69
Stocks/Bonds 20/80	2	20	80	0	+7.74	+6.32	+5.61	+6.12	4.56	4.40	3.81	4.22	1.70	1.44	1.47	1.45	-1.82	-3.91	-3.91	-8.42	4.25	9.16	18.56	40.48	+3.17	+10.38	+13.20	-1.13	+7.10	+4.58	1.37	2.37	2.79	2.60	2.49	2.46
Gold	1	0	0	100	-5.42	+6.45	-0.04	+6.07	16.42	13.30	15.44	16.30	-0.33	0.48	0.00	0.37	-10.31	-13.73	-40.97	-42.90	-0.53	2.67	-0.01	7.85	-6.57	+24.81	+17.86	-1.94	+12.81	+8.03	0.00	0.00	0.00	0.00	0.00	0.00
Developed World ex-US 60/40	2	60	40	0	+19.17	+7.61	+6.67	+5.97	8.79	8.92	8.51	10.12	2.18	0.85	0.78	0.59	-2.53	-14.55	-14.55	-37.48	7.58	3.05	6.23	8.69	+6.31	+7.71	+16.72	-7.73	+16.81	+3.45	1.34	1.79	3.62	2.89	2.96	2.63
Developed World ex-US 40/60	2	40	60	0	+11.74	+6.09	+5.86	+5.88	6.16	6.23	5.99	7.18	1.91	0.98	0.98	0.82	-2.07	-9.83	-9.83	-26.16	5.67	3.49	7.80	12.13	+3.35	+6.69	+13.77	-4.22	+12.01	+3.84	1.10	1.58	3.61	2.94	2.73	2.40
Developed World ex-US 80/20	2	80	20	0	+27.09	+9.06	+7.40	+5.88	11.62	11.81	11.21	13.33	2.33	0.77	0.66	0.44	-2.96	-19.27	-19.27	-47.74	9.15	2.82	5.40	6.64	+9.27	+8.72	+19.67	-11.24	+21.61	+3.06	1.57	2.00	3.64	2.85	3.20	2.85
US Inflation Protection	1	0	100	0	+6.76	+4.47	+2.88	+5.77	3.83	3.72	4.29	5.63	1.77	1.20	0.67	1.02	-1.95	-2.48	-9.25	-11.79	3.47	9.88	3.54	26.01	+4.34	+10.84	+8.35	-1.42	+2.92	+4.68	3.52	1.29	1.88	2.63	2.11	1.53
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+10.87	+5.80	+4.47	+5.75	3.69	3.95	3.76	4.47	2.95	1.47	1.19	1.29	-1.33	-4.64	-4.64	-12.91	8.17	7.02	11.81	23.59	+6.00	+8.69	+10.30	-1.96	+6.78	+4.66	2.10	1.56	2.41	2.13	2.19	1.77
All Country World Bonds	3	0	100	0	-0.31	+3.11	+3.55	+5.72	3.30	3.81	3.52	4.09	-0.09	0.82	1.01	1.40	-3.44	-3.92	-5.14	-8.82	-0.09	4.22	8.11	34.22	-2.15	+6.30	+9.49	+0.10	+4.16	+4.27	1.36	2.27	3.47	3.22	2.82	2.73
Developed World ex-US 20/80	2	20	80	0	+4.74	+4.48	+4.96	+5.64	3.88	3.98	3.89	4.86	1.22	1.13	1.28	1.16	-1.64	-5.98	-5.98	-15.54	2.89	4.10	10.41	18.92	+0.38	+5.67	+10.82	-0.71	+7.20	+4.23	0.87	1.37	3.59	2.98	2.49	2.18
Developed World ex-US Stocks	1	100	0	0	+35.52	+10.43	+8.04	+5.61	14.60	14.83	14.00	16.75	2.43	0.70	0.57	0.33	-3.38	-24.15	-24.15	-57.00	10.51	2.66	4.83	5.11	+12.24	+9.74	+22.62	-14.75	+26.42	+2.67	1.80	2.21	3.65	2.80	3.44	3.07
10-year Treasury	1	0	100	0	-3.77	+2.51	+2.83	+5.57	4.53	5.32	5.30	6.47	-0.83	0.47	0.53	0.86	-5.96	-7.54	-7.60	-9.34	-0.63	1.75	4.23	30.83	-3.87	+10.01	+8.03	+0.99	+2.55	+1.00	0.57	1.18	2.22	2.24	1.85	1.81
Edge Select Conservative Merrill Lynch	12	21	79	0	+7.43	+5.26	+4.76	+5.38	3.47	3.64	3.33	3.88	2.14	1.45	1.43	1.39	-1.41	-4.57	-4.57	-10.97	5.27	6.39	12.96	24.70	+2.98	+6.74	+11.07	-1.01	+6.67	+4.67	0.87	1.56	2.79	2.42	2.00	1.87
Robo Advisor 20 Betterment	12	19.9	80.1	0	+6.67	+4.50	+3.92	+5.33	3.14	3.36	3.11	3.89	2.12	1.34	1.26	1.37	-1.26	-4.38	-4.38	-9.96	5.29	5.61	10.69	26.74	+2.45	+6.01	+9.57	-1.42	+6.24	+4.01	0.86	1.58	2.70	2.30	1.87	1.69
Total Bond Developed World ex-US	1	0	100	0	-1.85	+2.80	+3.98	+5.24	2.66	3.10	3.12	4.18	-0.69	0.90	1.28	1.25	-2.58	-2.91	-4.25	-10.04	-0.72	5.09	11.26	25.72	-2.58	+4.65	+7.87	+2.81	+2.40	+4.61	0.64	1.16	3.58	3.03	2.25	1.96
Total Bond US	1	0	100	0	-0.41	+3.09	+2.87	+4.77	3.20	3.58	3.26	3.60	-0.13	0.86	0.88	1.33	-3.64	-3.88	-4.01	-4.01	-0.11	4.24	8.15	54.97	-1.76	+7.71	+8.83	-0.12	+3.57	+2.52	1.44	2.53	2.91	2.77	2.60	2.54
Conservative Income Charles Schwab	6	5	95	0	+3.60	+3.38	+2.96	+4.72	2.59	2.89	2.84	3.22	1.39	1.17	1.04	1.46	-1.39	-2.57	-4.31	-7.02	2.58	7.04	7.85	30.91	+1.66	+5.45	+8.37	-0.17	+2.91	+3.48	1.57	1.91	2.80	2.74	2.29	2.07
Robo Advisor 10 Betterment	12	9.9	90.1	0	+3.06	+3.04	+2.52	+4.27	1.66	1.69	1.63	2.22	1.84	1.80	1.54	1.92	-0.70	-1.19	-1.32	-3.57	4.37	13.57	21.48	51.54	+0.93	+4.71	+6.61	+0.02	+3.34	+2.45	0.59	1.36	2.45	2.04	1.49	1.28
Robo Advisor 0 Betterment	2	0	100	0	-0.39	+1.57	+1.13	+3.17	0.52	1.11	0.95	1.61	-0.75	1.42	1.19	1.97	-0.55	-1.01	-1.01	-1.21	-0.71	8.04	11.80	98.12	-0.53	+3.37	+3.70	+1.44	+0.45	+0.92	0.31	1.14	2.21	1.78	1.11	0.88
Short Term Treasury	1	0	100	0	-0.39	+1.45	+0.99	+3.05	0.43	1.07	0.90	1.62	-0.90	1.35	1.10	1.88	-0.47	-0.91	-0.91	-1.19	-0.83	8.22	11.44	94.43	-0.45	+3.03	+3.38	+1.46	+0.26	+0.82	0.17	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.

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Return / Risk Charts:

A Modern/Alternative Lazy Portfolio can use particular assets, with the aim of obtaining an extra return.