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 - 28 Feb 2021
% Allocation
Ann. Returns (%)
Portfolio #ETF Stocks Bonds Comm. 1Y 5Y 10Y  ▾
Technology
1 100 0 0 +53.51 +26.18 +19.66
US Stocks
1 100 0 0 +35.31 +17.46 +13.44
Warren Buffett
2 90 10 0 +30.09 +15.83 +12.36
Stocks/Bonds 80/20
2 80 20 0 +27.73 +14.67 +11.54
Simple Path to Wealth
JL Collins
2 75 25 0 +25.91 +13.97 +11.06
Second Grader's Starter
Paul Farrell
3 90 10 0 +28.80 +14.34 +10.03
Edge Select Aggressive
Merrill Lynch
12 84 16 0 +28.74 +14.30 +9.72
Stocks/Bonds 60/40
2 60 40 0 +20.59 +11.88 +9.59
Robo Advisor 100
Betterment
6 100 0 0 +30.21 +14.00 +9.29
Core Four
Rick Ferri
4 80 20 0 +23.24 +12.51 +9.20
Four Funds
Bogleheads
4 80 20 0 +25.64 +13.01 +9.09
Three Funds
Bogleheads
3 80 20 0 +25.10 +12.95 +9.07
Robo Advisor 90
Betterment
11 90.1 9.9 0 +27.65 +13.20 +8.91
Edge Select Moderately Aggressive
Merrill Lynch
12 69 31 0 +23.63 +12.58 +8.84
Family Taxable Portfolio
Ted Aronson
11 70 30 0 +24.64 +12.10 +8.71
Yale Endowment
David Swensen
6 70 30 0 +15.90 +10.34 +8.70
Couch Potato
Scott Burns
2 50 50 0 +19.70 +10.78 +8.65
Late Thirties to Early Forties
Burton Malkiel
8 85 15 0 +23.20 +12.58 +8.64
Mid-Twenties
Burton Malkiel
8 87 13 0 +24.09 +12.77 +8.61
Ultimate Buy and Hold Strategy
Paul Merriman
10 100 0 0 +26.82 +12.29 +8.58
Talmud Portfolio
Roger Gibson
3 66.7 33.3 0 +13.29 +9.49 +8.58
Mid-Fifties
Burton Malkiel
8 80 20 0 +20.70 +11.92 +8.49
Robo Advisor 80
Betterment
10 80 20 0 +24.28 +12.17 +8.41
No Brainer Portfolio
Bill Bernstein
4 75 25 0 +26.04 +11.97 +8.37
Late Sixties and Beyond
Burton Malkiel
8 71 29 0 +16.95 +10.71 +8.06
Coffee House
Bill Schultheis
7 60 40 0 +16.96 +9.60 +7.87
Lazy Portfolio
David Swensen
6 70 30 0 +17.74 +10.26 +7.85
Edge Select Moderate
Merrill Lynch
12 53 47 0 +18.42 +10.61 +7.78
Margaritaville
Scott Burns
3 67 33 0 +21.91 +11.17 +7.61
Stocks/Bonds 40/60
2 40 60 0 +13.83 +9.10 +7.59
Golden Butterfly
5 40 40 20 +15.26 +9.04 +7.58
Dimensional 2030 Retirement Income
DFA
8 55.9 44.1 0 +18.98 +10.31 +7.52
Gone Fishin' Portfolio
Alexander Green
10 65 30 5 +22.65 +11.26 +7.43
Robust
Alpha Architect
8 70 20 10 +21.90 +10.45 +7.43
Coward's Portfolio
Bill Bernstein
10 60 40 0 +18.25 +9.79 +7.37
All Weather Portfolio
Ray Dalio
5 30 55 15 +8.43 +7.95 +7.33
Sandwich Portfolio
Bob Clyatt
8 55 45 0 +16.96 +9.12 +6.94
Dynamic 60/40 Income
5 60 40 0 +10.82 +7.74 +6.85
Robo Advisor 50
Betterment
10 49.9 50.1 0 +14.59 +9.01 +6.83
Andrew Tobias Portfolio
Andrew Tobias
3 66.7 33.3 0 +18.82 +9.75 +6.71
Edge Select Moderately Conservative
Merrill Lynch
12 37 63 0 +13.06 +8.56 +6.69
Simple Money Portfolio
Tim Maurer
7 60 40 0 +17.29 +8.65 +6.68
Aggressive Global Income
4 80 20 0 +12.71 +9.20 +6.68
Ideal Index
Frank Armstrong
7 70 30 0 +19.15 +9.61 +6.64
Pinwheel
8 65 25 10 +17.66 +9.42 +6.59
Big Rocks Portfolio
Larry Swedroe
11 60 40 0 +17.03 +8.67 +6.52
Lifepath Fund
iShares
6 40.4 59.6 0 +13.18 +8.36 +6.51
Ultimate Buy&Hold
FundAdvice
12 60 40 0 +15.64 +8.36 +6.24
Dynamic 40/60 Income
5 40 60 0 +9.74 +7.32 +6.21
Permanent Portfolio
Harry Browne
4 25 50 25 +8.61 +7.26 +6.14
Desert Portfolio
Gyroscopic Investing
3 30 60 10 +11.68 +7.36 +6.09
High Yield Bonds Income
4 0 100 0 +3.42 +7.04 +5.71
Rob Arnott Portfolio
Rob Arnott
8 30 60 10 +8.67 +7.14 +5.58
Stocks/Bonds 20/80
2 20 80 0 +7.45 +6.31 +5.54
Developed World 80/20
2 80 20 0 +19.01 +9.27 +5.44
Five Asset
Roger Gibson
6 60 20 20 +17.79 +9.40 +5.43
Developed World Stocks
1 100 0 0 +24.58 +10.59 +5.43
Developed World 60/40
2 60 40 0 +13.76 +7.89 +5.35
Developed World 40/60
2 40 60 0 +8.81 +6.46 +5.18
Paul Boyer Permanent Portfolio
Paul Boyer
5 25 50 25 +9.98 +7.08 +5.14
European Stocks
1 100 0 0 +20.94 +9.67 +5.14
Developed World 20/80
2 20 80 0 +4.13 +4.98 +4.92
Larry Portfolio
Larry Swedroe
4 30 70 0 +10.45 +5.89 +4.76
Ivy Portfolio
Mebane Faber
5 60 20 20 +15.40 +8.57 +4.72
Edge Select Conservative
Merrill Lynch
12 21 79 0 +7.01 +5.53 +4.61
Total Bond Developed World
1 0 100 0 -0.30 +3.44 +4.57
7Twelve Portfolio
Craig Israelsen
9 50 33.3 16.7 +16.24 +8.06 +4.36
Dimensional Retirement Income Fund
DFA
7 20.4 79.6 0 +9.01 +5.52 +4.27
10-year Treasury
1 0 100 0 -0.28 +2.74 +4.14
Emerging Markets
1 100 0 0 +34.76 +14.51 +3.76
Robo Advisor 20
Betterment
12 19.9 80.1 0 +6.59 +4.85 +3.76
Total Bond US
1 0 100 0 +1.40 +3.52 +3.44
Conservative Income
Charles Schwab
6 5 95 0 +2.34 +3.46 +3.16
Robo Advisor 10
Betterment
12 9.9 90.1 0 +4.11 +3.32 +2.55
Gold
1 0 0 100 +9.05 +6.40 +1.63
Robo Advisor 0
Betterment
2 0 100 0 +1.68 +1.77 +1.33
Short Term Treasury
1 0 100 0 +1.52 +1.62 +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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