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 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:

Low

Medium

High

Very High

Last Update - 31 Dec 2020

		% 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 ▾	1Y	5Y	10Y	1Y	5Y	10Y	1Y	5Y	10Y	1Y	5Y	10Y	2020	2019	2018	2017	2016	2015	2020	2019	2018	2017	2016	2015
Technology	1	100	0	0	+48.40	+23.96	+20.35	24.85	17.36	15.55	1.95	1.38	1.31	-12.91	-16.96	-16.96	3.75	11.36	31.70	+48.40	+38.96	-0.12	+32.66	+7.10	+9.45	0.64	1.03	0.91	1.10	1.13	1.07
US Stocks	1	100	0	0	+21.03	+15.44	+13.77	26.12	15.80	14.05	0.81	0.98	0.98	-20.84	-20.84	-20.84	1.01	5.04	12.63	+21.03	+30.67	-5.21	+21.21	+12.83	+0.36	1.71	2.29	1.91	2.05	2.14	1.96
Warren Buffett	2	90	10	0	+19.19	+14.32	+12.76	22.39	13.66	12.22	0.86	1.05	1.04	-17.49	-17.49	-17.49	1.10	5.45	13.29	+19.19	+28.46	-3.84	+19.83	+10.69	+0.96	1.67	2.33	1.95	2.00	2.03	1.81
Stocks/Bonds 80/20	2	80	20	0	+18.36	+13.30	+11.86	20.89	12.65	11.20	0.88	1.05	1.06	-16.53	-16.53	-16.53	1.11	5.25	12.51	+18.36	+26.30	-4.19	+17.68	+10.77	+0.40	1.87	2.41	2.08	2.16	2.22	2.08
Simple Path to Wealth JL Collins	2	75	25	0	+17.70	+12.76	+11.38	19.63	11.87	10.50	0.90	1.07	1.08	-15.47	-15.47	-15.47	1.14	5.32	12.52	+17.70	+25.21	-3.94	+16.80	+10.25	+0.41	1.92	2.45	2.13	2.19	2.24	2.11
Second Grader's Starter Paul Farrell	3	90	10	0	+16.72	+12.54	+10.28	22.68	13.64	12.59	0.74	0.92	0.82	-19.32	-19.32	-19.32	0.87	4.17	8.60	+16.72	+25.83	-7.40	+21.30	+9.42	-1.16	1.94	2.78	2.25	2.49	2.45	2.26
Stocks/Bonds 60/40	2	60	40	0	+15.70	+11.13	+9.90	15.92	9.59	8.45	0.99	1.16	1.17	-12.29	-12.29	-12.29	1.28	5.66	12.78	+15.70	+21.94	-3.17	+14.15	+8.71	+0.44	2.04	2.54	2.25	2.27	2.30	2.20
Edge Select Aggressive Merrill Lynch	12	84	16	0	+17.62	+12.65	+9.86	21.00	12.86	11.97	0.84	0.98	0.82	-17.65	-17.65	-17.65	1.00	4.61	8.84	+17.62	+24.61	-6.88	+21.70	+9.21	-1.81	1.73	2.60	2.10	2.29	2.23	2.07
Core Four Rick Ferri	4	80	20	0	+13.93	+11.09	+9.48	20.13	11.96	10.99	0.69	0.93	0.86	-17.12	-17.12	-17.12	0.81	4.04	8.60	+13.93	+24.04	-6.41	+17.86	+8.53	-0.67	2.14	2.91	2.48	2.65	2.67	2.43
World Developed Stocks	1	100	0	0	+16.61	+12.51	+9.34	25.33	15.16	14.28	0.66	0.82	0.65	-22.15	-22.15	-22.15	0.75	3.62	6.51	+16.61	+26.82	-9.76	+24.49	+8.51	-1.86	1.91	2.90	2.25	2.59	2.55	2.37
Four Funds Bogleheads	4	80	20	0	+15.71	+11.53	+9.34	20.21	12.16	11.27	0.78	0.95	0.83	-17.10	-17.10	-17.10	0.92	4.24	8.43	+15.71	+23.60	-7.02	+19.47	+8.61	-1.37	1.89	2.73	2.32	2.50	2.39	2.10
Three Funds Bogleheads	3	80	20	0	+15.39	+11.47	+9.33	20.09	12.09	11.19	0.77	0.95	0.83	-17.02	-17.02	-17.02	0.90	4.24	8.46	+15.39	+23.65	-6.89	+19.54	+8.39	-1.14	2.02	2.84	2.33	2.54	2.49	2.32
Robo Advisor 100 Betterment	6	100	0	0	+11.97	+11.65	+9.30	25.98	15.50	14.36	0.46	0.75	0.65	-24.46	-24.46	-24.46	0.49	3.00	5.86	+11.97	+25.11	-10.01	+23.03	+11.85	-3.29	1.94	2.92	2.22	2.45	2.43	2.21
Yale Endowment David Swensen	6	70	30	0	+12.03	+9.74	+9.07	16.27	10.01	9.21	0.74	0.97	0.98	-13.19	-13.19	-13.19	0.91	4.49	10.49	+12.03	+22.65	-6.20	+14.99	+7.39	-0.81	2.12	2.91	2.73	2.83	2.84	2.33
Edge Select Moderately Aggressive Merrill Lynch	12	69	31	0	+16.02	+11.42	+9.02	17.54	10.75	9.99	0.91	1.06	0.90	-14.28	-14.28	-14.28	1.12	5.02	9.61	+16.02	+22.30	-5.68	+18.60	+8.18	-1.40	1.86	2.71	2.26	2.36	2.35	2.20
Talmud Portfolio Roger Gibson	3	66.7	33.3	0	+8.02	+8.66	+8.95	17.18	10.30	9.44	0.47	0.84	0.95	-15.15	-15.15	-15.15	0.53	3.40	8.95	+8.02	+22.79	-3.78	+9.90	+7.99	+1.11	2.63	3.16	3.00	2.99	3.25	2.81
Robo Advisor 90 Betterment	11	90.1	9.9	0	+11.97	+11.20	+8.94	23.89	14.21	13.11	0.50	0.79	0.68	-22.45	-22.45	-22.45	0.53	3.12	6.03	+11.97	+23.64	-9.31	+21.58	+11.40	-2.83	1.95	2.95	2.30	2.55	2.45	2.25
Couch Potato Scott Burns	2	50	50	0	+15.93	+10.30	+8.93	14.15	8.47	7.58	1.13	1.22	1.18	-10.72	-10.72	-10.72	1.49	5.90	12.61	+15.93	+19.51	-3.32	+12.07	+8.75	-0.70	1.50	2.09	2.27	2.08	1.84	1.15
Late Thirties to Early Forties Burton Malkiel	8	85	15	0	+12.75	+11.19	+8.84	21.37	12.79	11.95	0.60	0.87	0.74	-19.37	-19.37	-19.37	0.66	3.61	6.88	+12.75	+24.10	-7.61	+20.64	+8.99	-2.65	2.11	3.05	2.54	2.69	2.70	2.43
Ultimate Buy and Hold Strategy Paul Merriman	10	100	0	0	+7.09	+10.08	+8.81	27.85	16.16	14.60	0.25	0.62	0.60	-27.35	-27.35	-27.35	0.26	2.25	4.85	+7.09	+24.04	-11.36	+21.58	+12.94	-1.36	2.03	3.30	2.48	2.81	2.75	2.42
Mid-Twenties Burton Malkiel	8	87	13	0	+12.95	+11.24	+8.79	21.77	13.07	12.25	0.59	0.86	0.72	-19.80	-19.80	-19.80	0.65	3.55	6.68	+12.95	+24.15	-7.95	+21.11	+8.95	-2.79	2.07	3.04	2.50	2.67	2.66	2.39
Mid-Fifties Burton Malkiel	8	80	20	0	+11.71	+10.77	+8.74	20.60	12.22	11.35	0.57	0.88	0.77	-18.64	-18.64	-18.64	0.63	3.58	7.03	+11.71	+23.79	-7.10	+19.19	+8.92	-2.27	2.23	3.16	2.70	2.82	2.87	2.57
Family Taxable Portfolio Ted Aronson	11	70	30	0	+14.59	+10.75	+8.71	17.98	11.08	10.04	0.81	0.97	0.87	-15.49	-15.49	-15.49	0.94	4.30	8.42	+14.59	+19.91	-7.55	+18.03	+11.10	-2.35	1.80	2.63	2.30	2.43	2.30	1.97
World Developed 80/20	2	80	20	0	+14.22	+11.01	+8.59	20.35	12.12	11.41	0.70	0.91	0.75	-17.80	-17.80	-17.80	0.80	3.85	7.19	+14.22	+23.03	-7.25	+20.07	+7.73	-1.25	1.76	3.04	2.41	2.52	2.43	2.22
Robo Advisor 80 Betterment	10	80	20	0	+11.38	+10.54	+8.48	21.52	12.75	11.76	0.53	0.83	0.72	-20.17	-20.17	-20.17	0.56	3.22	6.23	+11.38	+22.05	-8.34	+19.74	+10.63	-2.50	1.98	3.02	2.42	2.60	2.49	2.28
Late Sixties and Beyond Burton Malkiel	8	71	29	0	+10.03	+9.90	+8.36	18.67	10.99	10.14	0.54	0.90	0.82	-16.82	-16.82	-16.82	0.60	3.59	7.32	+10.03	+22.55	-5.90	+16.49	+8.48	-1.63	2.27	3.19	2.81	2.83	2.91	2.59
No Brainer Portfolio Bill Bernstein	4	75	25	0	+11.61	+9.96	+8.26	19.77	12.04	11.01	0.59	0.83	0.75	-18.24	-18.24	-18.24	0.64	3.33	6.64	+11.61	+19.82	-6.41	+15.70	+11.03	-1.35	1.53	2.49	1.97	1.94	1.87	1.67
Lazy Portfolio David Swensen	6	70	30	0	+10.56	+9.20	+8.08	16.93	10.18	9.59	0.62	0.90	0.84	-14.65	-14.65	-14.65	0.72	3.77	8.02	+10.56	+21.27	-5.67	+13.94	+7.74	-0.95	2.03	2.85	2.63	2.65	2.65	2.15
Edge Select Moderate Merrill Lynch	12	53	47	0	+13.88	+9.90	+7.98	13.96	8.55	7.93	0.99	1.16	1.01	-10.96	-10.96	-10.96	1.27	5.51	10.53	+13.88	+19.44	-4.47	+15.00	+7.31	-1.02	1.93	2.80	2.40	2.39	2.40	2.28
Stocks/Bonds 40/60	2	40	60	0	+13.04	+8.94	+7.90	11.24	6.71	5.87	1.16	1.33	1.35	-8.09	-8.09	-8.09	1.61	6.60	14.08	+13.04	+17.57	-2.15	+10.63	+6.64	+0.48	2.20	2.66	2.43	2.38	2.38	2.31
Coffee House Bill Schultheis	7	60	40	0	+7.45	+8.36	+7.87	16.82	9.90	8.77	0.44	0.84	0.90	-15.36	-15.36	-15.36	0.49	3.22	7.38	+7.45	+18.99	-5.19	+11.02	+11.04	-0.91	2.25	2.89	2.56	2.57	2.64	2.43
Margaritaville Scott Burns	3	67	33	0	+14.40	+10.07	+7.83	17.15	10.31	9.76	0.84	0.98	0.80	-14.40	-14.40	-14.40	1.00	4.28	7.81	+14.40	+20.39	-6.92	+17.22	+7.53	-2.03	1.73	2.62	2.42	2.49	2.24	1.69
All Weather Portfolio Ray Dalio	5	30	55	15	+14.68	+9.14	+7.77	8.09	6.28	5.89	1.81	1.45	1.32	-3.74	-6.47	-6.93	3.92	8.48	16.07	+14.68	+18.22	-3.19	+11.47	+5.86	-3.72	1.40	2.03	1.89	1.89	1.88	1.81
World Developed 60/40	2	60	40	0	+11.83	+9.46	+7.77	15.59	9.19	8.65	0.76	1.03	0.90	-13.45	-13.45	-13.45	0.88	4.25	8.28	+11.83	+19.24	-4.73	+15.65	+6.95	-0.64	1.61	3.17	2.56	2.45	2.31	2.07
Dimensional 2030 Retirement Income DFA	8	55.9	44.1	0	+13.87	+9.62	+7.76	14.49	8.72	8.13	0.96	1.10	0.96	-11.59	-11.59	-11.59	1.20	5.03	9.59	+13.87	+18.74	-4.97	+14.85	+7.26	-1.32	1.63	2.52	2.36	2.31	2.04	1.52
Golden Butterfly	5	40	40	20	+13.93	+9.68	+7.70	11.02	7.28	6.86	1.26	1.33	1.12	-7.15	-7.15	-7.15	1.95	8.20	15.37	+13.93	+18.03	-4.03	+10.96	+10.82	-3.71	1.09	1.81	1.54	1.44	1.41	1.30
Robust Alpha Architect	8	70	20	10	+9.55	+8.72	+7.58	20.60	12.00	10.73	0.46	0.73	0.71	-19.46	-19.46	-19.46	0.49	2.67	5.53	+9.55	+22.11	-7.40	+14.23	+7.34	-2.97	1.27	2.02	1.68	1.74	1.86	1.55
Gone Fishin' Portfolio Alexander Green	10	65	30	5	+12.37	+9.96	+7.48	18.92	11.20	10.57	0.65	0.89	0.71	-17.17	-17.17	-17.17	0.72	3.54	6.16	+12.37	+19.76	-7.32	+16.62	+10.50	-3.07	2.16	2.90	2.56	2.64	2.61	2.30
Coward's Portfolio Bill Bernstein	10	60	40	0	+8.12	+8.45	+7.36	16.14	9.69	8.74	0.50	0.87	0.84	-15.14	-15.14	-15.14	0.54	3.30	6.83	+8.12	+18.34	-5.49	+12.63	+10.13	-1.45	1.81	2.75	2.27	2.14	2.13	1.90
Dynamic 60/40 Income	5	60	40	0	+6.26	+7.19	+7.19	15.48	8.69	8.01	0.40	0.83	0.90	-14.25	-14.25	-14.25	0.44	2.91	7.04	+6.26	+18.59	-3.28	+8.11	+7.39	+0.49	3.17	4.05	3.81	3.70	3.90	3.54
Sandwich Portfolio Bob Clyatt	8	55	45	0	+10.59	+8.26	+6.99	12.60	7.84	7.37	0.84	1.05	0.95	-10.74	-10.74	-10.74	0.99	4.54	8.99	+10.59	+16.81	-4.77	+13.38	+6.63	+0.48	1.53	2.61	2.10	2.06	1.95	1.78
Robo Advisor 50 Betterment	10	49.9	50.1	0	+9.26	+8.43	+6.98	14.89	8.61	7.95	0.62	0.98	0.88	-13.47	-13.47	-13.47	0.69	3.70	7.15	+9.26	+17.29	-5.31	+14.03	+8.32	-1.57	2.06	3.22	2.79	2.68	2.59	2.31
Andrew Tobias Portfolio Andrew Tobias	3	66.7	33.3	0	+10.55	+8.43	+6.97	15.70	9.57	9.13	0.67	0.88	0.76	-13.71	-13.71	-13.71	0.77	3.64	7.01	+10.55	+18.69	-5.85	+15.52	+5.01	-0.07	1.64	2.72	2.16	2.06	1.97	1.73
Edge Select Moderately Conservative Merrill Lynch	12	37	63	0	+11.65	+8.34	+6.93	10.27	6.29	5.86	1.13	1.33	1.18	-7.78	-7.78	-7.78	1.50	6.33	12.27	+11.65	+16.41	-2.89	+11.44	+6.14	-0.48	1.95	2.92	2.55	2.41	2.43	2.31
World Developed 40/60	2	40	60	0	+9.43	+7.85	+6.88	11.10	6.41	6.05	0.85	1.22	1.14	-9.56	-9.56	-9.56	0.99	4.80	9.89	+9.43	+15.45	-2.22	+11.23	+6.17	-0.03	1.46	3.31	2.72	2.39	2.20	1.93
Lifepath Fund iShares	6	40.4	59.6	0	+11.47	+8.09	+6.75	11.04	6.57	5.96	1.04	1.23	1.13	-8.34	-8.34	-8.34	1.38	5.71	11.07	+11.47	+16.20	-3.49	+11.24	+6.11	-0.37	2.15	2.76	2.53	2.51	2.41	2.21
Aggressive Global Income	4	80	20	0	-1.13	+7.93	+6.74	22.74	13.05	12.22	-0.05	0.61	0.55	-23.84	-23.84	-23.84	-0.05	1.95	3.86	-1.13	+19.97	-8.07	+13.53	+18.29	-6.99	3.52	4.21	3.93	3.98	4.60	4.02
Simple Money Portfolio Tim Maurer	7	60	40	0	+6.87	+7.27	+6.68	15.38	9.17	8.46	0.45	0.79	0.79	-14.56	-14.56	-14.56	0.47	2.89	6.24	+6.87	+16.14	-6.64	+13.36	+8.15	+0.47	1.57	2.95	2.24	2.28	2.07	1.94
Pinwheel	8	65	25	10	+9.12	+8.60	+6.66	16.26	9.77	9.46	0.56	0.88	0.70	-14.99	-14.99	-14.99	0.61	3.41	6.05	+9.12	+19.31	-6.39	+14.08	+8.63	-2.88	1.62	2.58	2.16	2.14	2.11	1.84
Permanent Portfolio Harry Browne	4	25	50	25	+16.10	+9.19	+6.66	7.93	6.20	6.18	2.03	1.48	1.08	-3.30	-6.98	-6.98	4.88	7.91	12.97	+16.10	+16.17	-1.76	+10.97	+5.54	-3.06	0.94	1.73	1.53	1.34	1.20	1.12
Ideal Index Frank Armstrong	7	70	30	0	+6.95	+7.89	+6.60	17.61	10.55	9.89	0.39	0.75	0.67	-17.17	-17.17	-17.17	0.40	2.69	5.21	+6.95	+17.96	-6.68	+13.88	+9.05	-1.66	1.75	2.83	2.27	2.25	2.19	1.89
Dynamic 40/60 Income	5	40	60	0	+8.28	+7.37	+6.54	13.98	7.43	6.63	0.59	0.99	0.99	-12.42	-12.42	-12.42	0.67	3.43	7.12	+8.28	+15.91	-3.18	+9.18	+7.53	+0.21	3.24	4.21	3.98	3.81	3.91	3.71
Big Rocks Portfolio Larry Swedroe	11	60	40	0	+5.25	+7.10	+6.40	15.70	9.45	8.58	0.33	0.75	0.75	-15.62	-15.62	-15.62	0.34	2.62	5.50	+5.25	+15.98	-5.45	+11.28	+9.71	-0.97	1.57	2.72	2.14	1.97	1.86	1.61
Desert Portfolio Gyroscopic Investing	3	30	60	10	+12.96	+7.90	+6.37	6.79	4.63	4.59	1.91	1.70	1.39	-3.56	-3.56	-3.56	3.64	12.98	24.00	+12.96	+14.41	-0.94	+8.38	+5.39	+0.02	1.23	1.95	1.75	1.53	1.44	1.43
Ultimate Buy&Hold FundAdvice	12	60	40	0	+5.84	+7.11	+6.22	15.24	9.09	8.43	0.38	0.78	0.74	-15.07	-15.07	-15.07	0.39	2.72	5.50	+5.84	+16.24	-6.85	+13.54	+8.37	-0.60	1.73	2.84	2.37	2.35	2.19	1.89
High Yield Bonds Income	4	0	100	0	+7.08	+7.82	+6.17	14.82	8.06	7.39	0.48	0.97	0.84	-11.99	-11.99	-11.99	0.59	3.81	6.84	+7.08	+16.98	-4.53	+8.78	+12.01	-3.94	4.38	5.32	5.01	5.10	5.64	5.13
World Developed 20/80	2	20	80	0	+7.04	+6.18	+5.93	7.03	4.04	3.86	1.00	1.53	1.54	-5.90	-5.90	-5.90	1.19	5.93	13.20	+7.04	+11.66	+0.29	+6.82	+5.39	+0.58	1.31	3.44	2.87	2.32	2.08	1.78
Rob Arnott Portfolio Rob Arnott	8	30	60	10	+7.98	+7.13	+5.90	10.88	6.57	6.11	0.73	1.09	0.97	-8.71	-8.71	-8.71	0.92	4.71	8.87	+7.98	+16.67	-4.12	+9.02	+7.14	-3.26	1.88	3.13	2.84	2.55	2.53	2.15
Stocks/Bonds 20/80	2	20	80	0	+10.38	+6.71	+5.84	7.02	4.29	3.75	1.48	1.56	1.56	-3.91	-3.91	-3.91	2.65	9.81	19.54	+10.38	+13.20	-1.13	+7.10	+4.58	+0.52	2.37	2.79	2.60	2.49	2.46	2.43
European Stocks	1	100	0	0	+6.11	+7.36	+5.67	28.37	16.88	16.82	0.22	0.44	0.34	-25.66	-25.66	-27.75	0.24	1.66	2.65	+6.11	+24.86	-14.91	+26.99	-0.37	-1.94	2.85	3.99	3.28	3.37	3.42	3.12
Five Asset Roger Gibson	6	60	20	20	+5.29	+7.67	+5.54	19.51	11.19	10.48	0.27	0.69	0.53	-19.29	-19.29	-19.29	0.27	2.32	3.71	+5.29	+20.35	-7.26	+12.32	+9.61	-5.77	1.93	3.02	2.60	2.44	2.53	2.18
Paul Boyer Permanent Portfolio Paul Boyer	5	25	50	25	+15.04	+8.69	+5.34	7.76	6.56	6.71	1.94	1.33	0.80	-3.07	-6.74	-9.15	4.90	7.67	7.45	+15.04	+13.97	-3.50	+11.87	+7.19	-5.29	1.04	1.80	1.48	1.39	1.28	1.20
Total Bond World Developed	1	0	100	0	+4.65	+4.45	+4.90	4.17	3.06	3.02	1.11	1.46	1.62	-2.91	-3.03	-4.25	1.60	8.01	14.46	+4.65	+7.87	+2.81	+2.40	+4.61	+1.19	1.16	3.58	3.03	2.25	1.96	1.63
Edge Select Conservative Merrill Lynch	12	21	79	0	+6.74	+5.55	+4.78	6.02	3.69	3.49	1.12	1.51	1.37	-4.57	-4.57	-4.57	1.47	6.78	13.02	+6.74	+11.07	-1.01	+6.67	+4.67	-0.16	1.56	2.79	2.42	2.00	1.87	1.76
Ivy Portfolio Mebane Faber	5	60	20	20	+2.25	+6.66	+4.76	21.34	12.06	11.01	0.11	0.55	0.43	-21.77	-21.77	-21.77	0.10	1.75	2.72	+2.25	+21.16	-7.88	+12.20	+7.80	-7.10	2.02	2.63	2.35	2.46	2.56	2.24
Larry Portfolio Larry Swedroe	4	30	70	0	+6.44	+5.52	+4.60	6.50	4.48	4.37	0.99	1.23	1.05	-5.39	-5.39	-5.39	1.20	5.72	10.55	+6.44	+10.64	-3.54	+7.74	+6.87	-0.54	1.29	2.32	1.96	1.76	1.58	1.57
10-year Treasury	1	0	100	0	+10.01	+4.45	+4.48	5.55	5.31	5.45	1.80	0.84	0.82	-2.01	-7.17	-7.60	4.97	3.39	7.23	+10.01	+8.03	+0.99	+2.55	+1.00	+1.51	1.18	2.22	2.24	1.85	1.81	1.91
Dimensional Retirement Income Fund DFA	7	20.4	79.6	0	+8.69	+5.61	+4.45	6.43	3.92	3.89	1.35	1.43	1.14	-4.64	-4.64	-4.64	1.87	6.76	11.75	+8.69	+10.30	-1.96	+6.78	+4.66	-0.87	1.56	2.41	2.13	2.19	1.77	1.05
7Twelve Portfolio Craig Israelsen	9	50	33.3	16.7	+3.64	+6.32	+4.21	17.20	10.04	9.25	0.21	0.63	0.46	-17.91	-17.91	-17.91	0.20	2.00	2.85	+3.64	+17.04	-6.60	+11.15	+7.88	-6.71	1.34	2.13	1.80	1.69	1.63	1.47
Robo Advisor 20 Betterment	12	19.9	80.1	0	+5.91	+4.81	+3.84	5.66	3.43	3.28	1.04	1.40	1.17	-4.42	-4.42	-4.42	1.34	5.99	10.37	+5.91	+9.52	-1.40	+6.18	+4.13	-0.32	1.58	2.70	2.30	1.86	1.69	1.47
Total Bond US	1	0	100	0	+7.71	+4.45	+3.73	4.16	3.46	3.20	1.85	1.29	1.16	-1.59	-3.68	-4.01	4.84	6.61	11.01	+7.71	+8.83	-0.12	+3.57	+2.52	+0.56	2.53	2.91	2.77	2.60	2.54	2.55
Conservative Income Charles Schwab	6	5	95	0	+5.45	+3.97	+3.38	4.21	2.89	2.86	1.30	1.37	1.18	-2.57	-2.57	-4.31	2.12	8.36	9.16	+5.45	+8.37	-0.17	+2.91	+3.48	-0.30	1.91	2.80	2.74	2.29	2.07	1.74
Emerging Markets	1	100	0	0	+17.03	+12.26	+2.95	24.27	17.65	18.39	0.70	0.69	0.16	-23.94	-29.72	-32.70	0.71	2.64	1.03	+17.03	+18.20	-15.31	+37.28	+10.87	-16.18	1.68	3.19	1.86	2.55	2.07	2.05
Robo Advisor 10 Betterment	12	9.9	90.1	0	+4.67	+3.40	+2.60	2.41	1.73	1.72	1.94	1.97	1.51	-1.20	-1.20	-1.49	3.89	15.17	19.67	+4.67	+6.60	+0.03	+3.32	+2.50	+0.10	1.36	2.45	2.04	1.49	1.28	1.09
Gold	1	0	0	100	+24.81	+11.94	+2.55	15.93	13.91	16.51	1.56	0.86	0.15	-10.11	-15.02	-42.90	2.45	5.04	0.67	+24.81	+17.86	-1.94	+12.81	+8.03	-10.67	0.00	0.00	0.00	0.00	0.00	0.00
Robo Advisor 0 Betterment	2	0	100	0	+3.37	+1.97	+1.35	1.28	1.13	0.96	2.64	1.74	1.40	-0.08	-1.01	-1.01	42.13	10.18	14.23	+3.37	+3.70	+1.44	+0.45	+0.92	+0.53	1.14	2.21	1.78	1.11	0.88	0.71
Short Term Treasury	1	0	100	0	+3.03	+1.79	+1.17	1.41	1.10	0.91	2.14	1.63	1.29	-0.08	-0.91	-0.91	37.88	10.20	13.62	+3.03	+3.38	+1.46	+0.26	+0.82	+0.43	0.96	2.17	1.73	0.98	0.72	0.54

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: