Build the Best Lazy Portfolio

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.

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

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

Choose your Lazy Portfolio
Consolidated returns as of 30 November 2023
Live Update at Dec 06 2023, 09:59PM Eastern Time
Highlighted values indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2023. Waiting for updates, inflation of Nov 2023 is set to 0%. Current inflation (annualized) is 1Y: 3.35% , 5Y: 4.07% , 10Y: 2.82% , 30Y: 2.52%
Portfolio returns are updated to 30 November 2023.
Live Dec 2023 Returns are calculated on the hypothesis of a newly built portfolio, with the starting asset allocation. Once consolidated, the returns will be calculated on the actual asset weights. Portfolio Update time is Eastern Time (ET - America/New York).
Click here for short term returns
Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 30 November 2023.
The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 30 November 2023.
Highlighted values indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2023. Waiting for updates, inflation of Nov 2023 is set to 0%. 2023: 3.66%, 2022: 6.45%, 2021: 7.04%, 2020: 1.36%
For further details about Dividends, click here.
Swipe left to see all data
% Allocation
Ann. Return (%) - Nov 30, 2023
Chg (%)
Return (%)
St.Dev. (%)
Ann. Return / St.Dev.
Max Drawdown (%)
Return / Drawdown
Ulcer Index
YTD(%)
Yearly Returns (%)
Portfolio Author #ETF Stocks Bonds Comm 1Y 5Y 10Y 30Y ▾ Daily Time(ET) Dec 2023 Nov 2023 1Y 5Y 10Y 30Y 1Y 5Y 10Y 30Y 5Y 10Y 30Y 5Y 10Y 30Y 5Y 10Y 30Y 2023 2022 2021 2020 2023 2022 2021 2020
Technology 1 100 0 0
33.45
18.87
17.35
13.75
 -0.58 Dec 06 2023 -0.97 10.82 21.64 22.30 18.35 24.01 1.55 0.85 0.95 0.57 -32.58 -32.58 -81.08 0.58 0.53 0.17 12.61 9.41 39.58
46.66
-32.58
27.42
48.40
 0.57 0.54 0.54 0.64
US Stocks Momentum 1 100 0 0
0.11
8.09
11.25
12.01
 -0.95 Dec 06 2023 -1.80 9.23 14.92 18.85 15.49 15.28 0.01 0.43 0.73 0.79 -30.16 -30.16 -53.85 0.27 0.37 0.22 14.25 10.45 16.17
4.20
-18.26
13.37
29.85
 1.21 1.45 0.62 1.07
Stocks/Bonds 80/20 Momentum 2 80 20 0
0.31
6.71
9.36
10.76
 -0.70 Dec 06 2023 -1.17 8.27 12.92 15.62 12.79 12.35 0.02 0.43 0.73 0.87 -27.23 -27.23 -43.61 0.25 0.34 0.25 12.81 9.34 11.95
3.72
-17.23
10.32
25.42
 1.44 1.61 0.91 1.36
US Stocks 1 100 0 0
12.72
11.71
11.16
9.90
 -0.42 Dec 06 2023 -0.14 9.42 16.21 19.38 15.49 15.52 0.78 0.60 0.72 0.64 -24.81 -24.81 -50.84 0.47 0.45 0.19 9.20 6.95 14.32
19.72
-19.51
25.67
21.03
 1.27 1.33 1.51 1.71
US Stocks Value 1 100 0 0
10.56
10.48
9.54
9.71
 -0.17 Dec 06 2023 0.07 9.56 16.18 19.42 15.49 15.36 0.65 0.54 0.62 0.63 -26.06 -26.06 -55.41 0.40 0.37 0.18 7.28 5.82 13.16
15.04
-5.39
25.21
1.55
 1.52 2.07 2.32 2.40
US Stocks Minimum Volatility 1 100 0 0
3.33
8.15
10.13
9.58
 -0.10 Dec 06 2023 0.20 6.41 11.13 15.13 12.15 13.72 0.30 0.54 0.83 0.70 -19.06 -19.06 -43.27 0.43 0.53 0.22 6.64 4.92 10.63
7.36
-9.42
20.84
5.64
 1.38 1.45 1.52 1.89
Warren Buffett Portfolio Warren Buffett 2 90 10 0
13.59
11.47
10.69
9.54
 -0.32 Dec 06 2023 -0.29 8.70 14.49 17.13 13.69 13.65 0.94 0.67 0.78 0.70 -23.08 -23.08 -45.52 0.50 0.46 0.21 8.40 6.30 12.60
19.82
-18.29
24.59
19.19
 1.35 1.31 1.38 1.67
Stocks/Bonds 60/40 Momentum 2 60 40 0
0.49
5.28
7.42
9.34
 -0.45 Dec 06 2023 -0.54 7.33 11.11 12.54 10.19 9.56 0.04 0.42 0.73 0.98 -24.21 -24.21 -32.52 0.22 0.31 0.29 11.35 8.21 8.20
3.24
-16.20
7.27
20.99
 1.67 1.76 1.20 1.65
Stocks/Bonds 80/20 2 80 20 0
10.54
9.65
9.29
9.02
 -0.28 Dec 06 2023 0.16 8.53 14.32 16.06 12.74 12.49 0.74 0.60 0.73 0.72 -22.75 -22.75 -41.09 0.42 0.41 0.22 8.49 6.31 10.41
16.13
-18.23
20.16
18.36
 1.49 1.51 1.62 1.87
Sheltered Sam 100/0 Bill Bernstein 10 97 0 3
3.99
7.63
7.75
8.95
 -0.14 Dec 06 2023 0.58 8.36 15.78 18.63 14.79 15.30 0.25 0.41 0.52 0.58 -25.40 -25.40 -54.91 0.30 0.31 0.16 8.37 6.47 11.42
8.30
-12.59
23.26
7.92
 1.74 2.02 2.43 2.06
Dedalo Three Dedalo Invest 2 100 0 0
12.18
10.92
10.15
8.90
 -0.35 Dec 06 2023 -0.14 9.30 16.06 19.00 15.23 15.41 0.76 0.58 0.67 0.58 -25.03 -25.03 -52.73 0.44 0.41 0.17 9.18 7.01 15.19
18.62
-19.06
23.45
19.70
 1.36 1.47 1.70 1.77
Simple Path to Wealth JL Collins 2 75 25 0
9.98
9.13
8.81
8.78
 -0.24 Dec 06 2023 0.23 8.30 13.85 15.25 12.07 11.75 0.72 0.60 0.73 0.75 -22.24 -22.24 -38.53 0.41 0.40 0.23 8.33 6.17 9.49
15.24
-17.91
18.79
17.70
 1.55 1.56 1.65 1.92
Robust Alpha Architect 8 70 20 10
0.67
5.80
6.04
8.67
 -0.54 Dec 06 2023 -0.39 6.24 11.68 14.13 11.21 11.09 0.06 0.41 0.54 0.78 -19.09 -19.09 -44.20 0.30 0.32 0.20 7.25 5.56 8.41
3.43
-10.29
17.40
7.53
 1.71 1.83 1.61 1.55
Aggressive Global Income 4 80 20 0
2.65
4.72
5.01
8.67
 0.04 Dec 06 2023 1.06 6.31 12.47 15.71 12.74 14.42 0.21 0.30 0.39 0.60 -23.84 -23.84 -52.63 0.20 0.21 0.16 7.51 6.26 10.90
5.77
-8.43
17.07
-1.13
 3.17 3.49 3.67 3.52
Sheltered Sam 90/10 Bill Bernstein 12 87.3 10 2.7
3.78
7.08
7.14
8.56
 -0.12 Dec 06 2023 0.56 7.70 14.44 16.80 13.34 13.73 0.26 0.42 0.54 0.62 -22.65 -22.65 -50.12 0.31 0.32 0.17 7.71 5.95 9.91
7.68
-12.09
21.12
7.74
 1.78 2.12 2.38 1.97
Edge Select Aggressive Merrill Lynch 12 84 16 0
11.19
8.67
7.82
8.30
 -0.15 Dec 06 2023 -0.04 8.49 14.74 15.87 12.87 13.28 0.76 0.55 0.61 0.63 -23.81 -23.81 -45.65 0.36 0.33 0.18 8.54 6.58 11.12
15.92
-17.87
15.74
17.62
 1.55 1.69 1.85 1.73
Dedalo Four Dedalo Invest 3 80 20 0
10.31
8.96
8.60
8.28
 -0.22 Dec 06 2023 0.19 8.18 13.94 15.70 12.49 12.41 0.74 0.57 0.69 0.67 -22.61 -22.61 -43.94 0.40 0.38 0.19 8.34 6.24 10.95
15.93
-17.79
18.23
16.65
 1.40 1.44 2.07 1.65
Mid-Fifties Burton Malkiel 8 80 20 0
6.44
6.59
6.55
8.27
 -0.08 Dec 06 2023 0.37 8.26 14.44 15.47 12.37 13.01 0.45 0.43 0.53 0.64 -24.05 -24.05 -46.21 0.27 0.27 0.18 9.14 6.91 8.94
10.25
-17.33
15.75
11.71
 2.05 2.08 2.30 2.23
Aim Bold Strategy Aim Ways 7 45 40 15
12.60
8.11
6.91
8.24
 -0.03 Dec 06 2023 0.15 6.57 11.38 11.80 9.41 9.93 1.11 0.69 0.73 0.83 -20.16 -20.16 -30.09 0.40 0.34 0.27 6.79 5.10 7.69
15.72
-15.30
9.04
17.74
 1.84 1.80 2.28 1.93
Robo Advisor 100 Betterment 6 100 0 0
7.21
7.75
7.22
8.20
 -0.09 Dec 06 2023 0.05 8.54 15.96 18.43 14.92 15.84 0.45 0.42 0.48 0.52 -24.17 -24.17 -54.55 0.32 0.30 0.15 8.81 7.15 13.33
11.66
-15.26
18.02
12.47
 1.49 1.83 2.34 1.94
Late Thirties to Early Forties Burton Malkiel 8 85 15 0
7.20
6.94
6.72
8.19
 -0.11 Dec 06 2023 0.18 8.32 14.72 15.93 12.82 13.63 0.49 0.44 0.52 0.60 -24.26 -24.26 -48.28 0.29 0.28 0.17 9.12 6.99 9.88
11.19
-17.38
15.84
12.75
 1.89 1.97 2.23 2.11
Second Grader's Starter Paul Farrell 3 90 10 0
10.27
8.80
8.05
8.17
 -0.17 Dec 06 2023 -0.02 8.62 14.96 16.82 13.54 13.87 0.69 0.52 0.59 0.59 -24.21 -24.21 -48.52 0.36 0.33 0.17 8.75 6.75 12.79
15.14
-17.70
17.70
16.72
 1.61 1.80 2.09 1.94
Dedalo Eleven Dedalo Invest 9 80 20 0
8.85
7.69
7.32
8.16
 -0.11 Dec 06 2023 0.04 8.03 14.18 15.42 12.43 12.77 0.62 0.50 0.59 0.64 -23.40 -23.40 -44.63 0.33 0.31 0.18 8.64 6.61 10.69
13.62
-17.79
14.88
16.06
 1.67 2.04 2.12 1.69
Sheltered Sam 80/20 Bill Bernstein 12 77.6 20 2.4
3.56
6.52
6.51
8.14
 -0.11 Dec 06 2023 0.55 7.03 13.09 15.02 11.91 12.20 0.27 0.43 0.55 0.67 -19.89 -19.89 -45.06 0.33 0.33 0.18 7.08 5.43 8.51
7.05
-11.58
18.98
7.57
 1.82 2.23 2.33 1.87
Late Sixties and Beyond Burton Malkiel 8 71 29 0
5.57
6.15
6.25
8.13
 -0.05 Dec 06 2023 0.57 7.80 13.37 14.17 11.27 11.69 0.42 0.43 0.55 0.70 -22.44 -22.44 -41.80 0.27 0.28 0.19 8.60 6.40 7.78
8.99
-16.23
15.40
10.03
 2.33 2.16 2.25 2.27
Mid-Twenties Burton Malkiel 8 87 13 0
7.43
6.97
6.71
8.10
 -0.12 Dec 06 2023 0.12 8.39 14.95 16.18 13.05 13.96 0.50 0.43 0.51 0.58 -24.50 -24.50 -49.50 0.28 0.27 0.16 9.23 7.12 10.46
11.50
-17.64
15.90
12.95
 1.84 1.94 2.22 2.07
Robo Advisor 90 Betterment 11 90.1 9.9 0
6.44
7.11
6.75
8.07
 -0.08 Dec 06 2023 0.12 8.25 15.15 17.10 13.78 14.48 0.43 0.42 0.49 0.56 -23.36 -23.36 -50.07 0.30 0.29 0.16 8.56 6.83 11.42
10.65
-15.33
16.04
12.42
 1.62 1.95 2.36 1.94
Ultimate Buy and Hold Strategy Paul Merriman 10 100 0 0
3.62
5.57
6.02
8.05
 0.01 Dec 06 2023 0.72 8.51 16.50 19.17 15.25 15.73 0.22 0.29 0.39 0.51 -27.54 -27.54 -57.21 0.20 0.22 0.14 10.03 7.83 12.21
7.26
-15.37
19.37
6.40
 1.95 2.27 2.79 2.06
Weird Portfolio Value Stock Geek 5 60 20 20
0.47
4.64
5.17
8.02
 0.38 Dec 06 2023 2.03 8.26 15.76 13.86 11.14 10.75 0.03 0.33 0.46 0.75 -24.18 -24.18 -32.97 0.19 0.21 0.24 9.68 7.22 6.53
2.88
-18.17
14.49
10.52
 1.72 1.49 2.02 1.62
Talmud Portfolio Roger Gibson 3 66.7 33.3 0
3.75
5.78
6.58
8.01
 -0.14 Dec 06 2023 1.14 8.64 14.40 14.08 11.15 10.81 0.26 0.41 0.59 0.74 -22.88 -22.88 -40.17 0.25 0.29 0.20 9.83 7.15 7.43
7.89
-19.62
21.44
8.02
 2.20 2.13 2.37 2.63
Stocks/Bonds 60/40 2 60 40 0
8.27
7.53
7.37
7.99
 -0.14 Dec 06 2023 0.46 7.60 12.45 12.88 10.11 9.61 0.66 0.58 0.73 0.83 -20.69 -20.69 -30.55 0.36 0.36 0.26 7.88 5.77 6.93
12.55
-16.95
14.66
15.70
 1.71 1.69 1.73 2.04
Yale Endowment David Swensen 6 70 30 0
3.53
5.53
6.07
7.98
 0.05 Dec 06 2023 1.20 8.81 15.23 14.21 11.30 10.99 0.23 0.39 0.54 0.73 -25.53 -25.53 -39.48 0.22 0.24 0.20 10.47 7.69 7.60
7.63
-21.08
17.53
12.03
 2.02 2.58 2.65 2.12
Seven Value Scott Burns 7 71.5 28.5 0
2.52
7.42
6.32
7.96
 -0.26 Dec 06 2023 0.13 5.97 11.95 14.99 11.79 11.31 0.21 0.49 0.54 0.70 -20.44 -20.44 -41.22 0.36 0.31 0.19 5.44 4.47 7.35
6.01
-3.63
22.53
1.86
 2.04 3.17 3.60 2.32
Core Four Rick Ferri 4 80 20 0
8.15
7.56
7.22
7.94
 -0.13 Dec 06 2023 0.32 8.41 14.39 15.31 12.17 12.21 0.57 0.49 0.59 0.65 -23.46 -23.46 -44.44 0.32 0.31 0.18 8.77 6.57 9.88
12.50
-17.83
17.18
13.93
 1.81 1.93 2.20 2.14
Robo Advisor 80 Betterment 10 80 20 0
5.91
6.39
6.19
7.87
 -0.03 Dec 06 2023 0.27 7.82 14.19 15.64 12.55 13.10 0.42 0.41 0.49 0.60 -22.63 -22.63 -45.47 0.28 0.27 0.17 8.30 6.52 9.70
9.83
-15.27
13.94
11.77
 1.69 2.03 2.47 1.97
Couch Potato Scott Burns 2 50 50 0
6.35
7.16
6.57
7.83
 -0.16 Dec 06 2023 0.30 6.28 10.60 11.73 9.18 8.76 0.60 0.61 0.72 0.89 -19.77 -19.77 -27.04 0.36 0.33 0.29 7.42 5.46 5.28
10.27
-16.31
15.67
15.93
 1.64 3.61 2.96 1.50
Edge Select Moderately Aggressive Merrill Lynch 12 69 31 0
10.00
7.58
6.90
7.83
 -0.09 Dec 06 2023 0.17 7.97 13.48 13.83 11.11 11.16 0.74 0.55 0.62 0.70 -22.31 -22.31 -38.23 0.34 0.31 0.20 8.04 6.08 8.54
14.06
-17.08
12.88
16.02
 1.79 1.79 1.82 1.86
Four Funds Bogleheads 4 80 20 0
8.98
7.89
7.14
7.79
 -0.12 Dec 06 2023 0.07 7.99 13.87 15.26 12.26 12.45 0.65 0.52 0.58 0.63 -23.20 -23.20 -44.08 0.34 0.31 0.18 8.35 6.41 10.71
13.25
-17.06
15.70
15.71
 1.69 2.25 2.38 1.89
Stocks/Bonds 40/60 Momentum 2 40 60 0
0.67
3.80
5.44
7.75
 -0.20 Dec 06 2023 0.09 6.39 9.56 9.72 7.77 6.99 0.07 0.39 0.70 1.11 -21.11 -21.11 -21.11 0.18 0.26 0.37 9.87 7.09 5.21
2.75
-15.17
4.23
16.57
 1.91 1.92 1.48 1.95
Three Funds Bogleheads 3 80 20 0
9.13
7.75
7.10
7.71
 -0.10 Dec 06 2023 0.13 8.16 14.06 15.21 12.21 12.39 0.65 0.51 0.58 0.62 -23.18 -23.18 -43.68 0.33 0.31 0.18 8.39 6.42 10.84
13.35
-17.06
14.95
15.39
 1.72 1.89 2.15 2.02
Lazy Portfolio David Swensen 6 70 30 0
4.85
5.91
5.96
7.71
 -0.13 Dec 06 2023 0.52 7.68 13.38 13.52 10.74 10.88 0.36 0.44 0.56 0.71 -22.43 -22.43 -40.89 0.26 0.27 0.19 8.87 6.54 7.48
8.58
-17.86
17.34
10.56
 1.89 2.52 2.51 2.03
Six Ways from Sunday Scott Burns 6 66.7 33.3 0
2.82
7.22
5.78
7.71
 -0.27 Dec 06 2023 0.16 5.84 11.90 14.60 11.50 10.91 0.24 0.49 0.50 0.71 -19.67 -19.67 -39.14 0.37 0.29 0.20 5.22 4.40 6.70
6.31
-3.84
21.86
1.75
 2.06 3.30 3.75 2.27
Sheltered Sam 70/30 Bill Bernstein 12 67.9 30 2.1
3.33
5.95
5.88
7.69
 -0.09 Dec 06 2023 0.54 6.37 11.75 13.26 10.51 10.70 0.28 0.45 0.56 0.72 -17.80 -17.80 -39.73 0.33 0.33 0.19 6.46 4.94 7.15
6.42
-11.08
16.83
7.39
 1.86 2.34 2.28 1.77
Jane Bryant Quinn Portfolio Jane Bryant Quinn 5 70 30 0
6.96
6.87
6.59
7.69
 -0.09 Dec 06 2023 0.51 7.97 13.44 14.12 11.11 10.78 0.52 0.49 0.59 0.71 -22.74 -22.74 -39.55 0.30 0.29 0.19 8.51 6.29 8.06
10.88
-17.43
16.85
12.52
 1.91 2.33 2.50 2.13
LifeStrategy Growth Fund Vanguard 4 80 20 0
9.11
7.61
7.00
7.65
 -0.09 Dec 06 2023 0.14 8.06 13.95 15.14 12.17 12.41 0.65 0.50 0.58 0.62 -23.11 -23.11 -44.18 0.33 0.30 0.17 8.36 6.41 10.92
13.38
-16.96
14.57
15.01
 1.69 1.85 2.27 1.95
Family Taxable Portfolio Ted Aronson 11 70 30 0
3.36
5.09
5.50
7.54
 0.13 Dec 06 2023 0.90 7.53 14.16 14.30 11.49 11.65 0.24 0.36 0.48 0.65 -23.76 -23.76 -38.46 0.21 0.23 0.20 9.19 6.98 8.07
7.37
-17.99
11.93
14.59
 1.72 2.45 2.47 1.80
Golden Butterfly Tyler 5 40 40 20
3.46
5.69
5.29
7.46
 0.22 Dec 06 2023 1.50 6.23 11.91 10.15 8.22 7.68 0.29 0.56 0.64 0.97 -17.79 -17.79 -17.79 0.32 0.30 0.42 6.42 4.86 3.61
5.87
-13.35
9.35
13.93
 1.48 1.13 1.03 1.09
No Brainer Portfolio Bill Bernstein 4 75 25 0
5.56
6.37
6.15
7.44
 -0.11 Dec 06 2023 0.53 6.79 12.76 14.37 11.60 11.73 0.44 0.44 0.53 0.63 -19.76 -19.76 -40.40 0.32 0.31 0.18 7.41 5.77 8.72
9.48
-13.89
15.39
11.61
 1.69 1.58 1.74 1.53
Coffeehouse Bill Schultheis 7 60 40 0
1.51
4.72
5.35
7.41
 0.01 Dec 06 2023 1.23 7.19 12.94 12.89 10.11 9.68 0.12 0.37 0.53 0.77 -19.65 -19.65 -33.93 0.24 0.27 0.22 7.76 5.73 6.16
4.96
-14.38
15.24
7.45
 2.02 2.05 2.31 2.25
Long Term Portfolio Ben Stein 6 80 20 0
6.46
6.49
6.14
7.40
 -0.12 Dec 06 2023 0.37 7.41 13.66 14.81 11.88 12.45 0.47 0.44 0.52 0.59 -20.52 -20.52 -45.92 0.32 0.30 0.16 7.67 5.92 9.49
10.14
-14.26
16.72
9.40
 2.11 1.73 1.92 1.66
Perfect Portfolio Ben Stein 7 80 20 0
8.43
7.81
6.67
7.39
 -0.21 Dec 06 2023 -0.30 6.98 12.69 14.56 11.80 12.39 0.66 0.54 0.57 0.60 -18.62 -18.62 -44.81 0.42 0.36 0.16 6.27 5.18 10.46
12.00
-11.28
16.52
10.46
 2.07 1.87 1.92 1.69
Gone Fishin' Portfolio Alexander Green 10 65 30 5
4.32
5.33
5.11
7.34
 -0.01 Dec 06 2023 0.47 7.13 13.15 14.06 11.25 12.09 0.33 0.38 0.45 0.61 -21.98 -21.98 -43.02 0.24 0.23 0.17 8.31 6.38 8.28
7.49
-15.58
11.58
12.37
 1.94 2.48 2.60 2.16
Five Asset Roger Gibson 6 60 20 20
2.89
6.97
5.17
7.31
 -0.54 Dec 06 2023 -0.23 6.27 12.65 13.89 11.03 11.30 0.23 0.50 0.47 0.65 -19.30 -19.30 -44.75 0.36 0.27 0.16 6.53 5.60 8.28
6.44
-11.00
22.77
5.29
 1.68 1.88 2.16 1.93
Tilt Toward Value Time Inc 7 60 40 0
4.51
5.38
5.66
7.30
 -0.01 Dec 06 2023 0.85 7.31 12.51 12.40 9.73 9.42 0.36 0.43 0.58 0.77 -20.45 -20.45 -34.63 0.26 0.28 0.21 7.87 5.78 6.35
8.05
-15.72
13.78
9.48
 1.95 1.99 2.43 2.18
Marc Faber Portfolio Marc Faber 6 50 25 25
6.11
6.36
5.43
7.22
 0.05 Dec 06 2023 0.67 6.88 12.63 11.87 9.66 9.65 0.48 0.54 0.56 0.75 -19.93 -19.93 -28.82 0.32 0.27 0.25 7.34 5.70 5.40
7.77
-14.67
12.98
11.15
 1.70 1.71 1.94 2.02
Pinwheel 8 65 25 10
5.01
5.65
5.16
7.22
 -0.04 Dec 06 2023 0.55 6.75 12.70 12.57 10.03 10.50 0.39 0.45 0.51 0.69 -19.49 -19.49 -36.89 0.29 0.26 0.20 7.07 5.39 6.62
7.64
-13.57
13.53
9.12
 1.83 1.60 1.79 1.62
Sheltered Sam 60/40 Bill Bernstein 12 58.2 40 1.8
3.10
5.37
5.24
7.22
 -0.07 Dec 06 2023 0.52 5.70 10.42 11.54 9.14 9.24 0.30 0.47 0.57 0.78 -16.49 -16.49 -34.12 0.33 0.32 0.21 5.89 4.47 5.89
5.79
-10.58
14.69
7.21
 1.90 2.45 2.23 1.68
Edge Select Moderate Merrill Lynch 12 53 47 0
8.05
6.13
5.73
7.20
 -0.01 Dec 06 2023 0.46 7.30 12.11 11.69 9.27 8.97 0.66 0.52 0.62 0.80 -20.56 -20.56 -29.58 0.30 0.28 0.24 7.56 5.61 5.99
11.39
-16.06
9.66
13.88
 2.01 1.86 1.77 1.93
Five Fold Scott Burns 5 60 40 0
4.07
5.04
5.31
7.19
 -0.03 Dec 06 2023 0.82 7.15 12.35 12.42 9.81 9.74 0.33 0.41 0.54 0.74 -21.60 -21.60 -37.94 0.23 0.25 0.19 8.65 6.34 6.78
7.70
-17.44
15.57
8.59
 1.97 2.79 3.25 2.00
All Weather Portfolio Ray Dalio 5 30 55 15
1.62
4.70
4.74
7.19
 0.27 Dec 06 2023 1.73 7.09 12.89 10.06 8.16 7.39 0.13 0.47 0.58 0.97 -20.58 -20.58 -20.58 0.23 0.23 0.35 8.87 6.63 4.32
4.55
-18.39
8.27
15.88
 1.65 1.36 1.13 1.40
Margaritaville Scott Burns 3 67 33 0
6.97
6.63
5.74
7.18
 -0.05 Dec 06 2023 0.12 6.94 12.27 13.29 10.70 10.84 0.57 0.50 0.54 0.66 -21.96 -21.96 -38.70 0.30 0.26 0.19 7.84 6.09 8.27
10.42
-16.10
13.33
14.40
 1.77 3.25 3.04 1.73
Robo Advisor 50 Betterment 10 49.9 50.1 0
4.55
4.29
4.52
7.16
 0.12 Dec 06 2023 0.74 6.41 11.22 11.49 9.07 9.32 0.41 0.37 0.50 0.77 -20.25 -20.25 -30.72 0.21 0.22 0.23 7.60 5.71 5.78
7.57
-14.79
7.95
9.50
 1.91 2.29 2.80 2.06
Gretchen Tai Portfolio Gretchen Tai 9 70 30 0
5.98
5.58
5.32
7.14
 0.00 Dec 06 2023 0.44 7.79 13.75 14.24 11.39 11.69 0.44 0.39 0.47 0.61 -23.59 -23.59 -41.80 0.24 0.23 0.17 8.81 6.76 8.93
9.44
-17.30
12.15
12.24
 2.00 2.43 2.69 2.16
Simple and Cheap Time Inc 5 60 40 0
5.83
5.51
5.58
7.10
 -0.01 Dec 06 2023 0.69 7.42 12.52 12.28 9.66 9.41 0.47 0.45 0.58 0.75 -21.27 -21.27 -34.84 0.26 0.26 0.20 8.23 6.04 6.65
9.30
-16.81
12.62
10.84
 1.96 2.00 2.43 2.19
Nano Portfolio John Wasik 5 60 40 0
4.25
5.18
5.17
7.07
 0.00 Dec 06 2023 0.87 7.40 12.66 12.62 9.93 9.66 0.34 0.41 0.52 0.73 -22.12 -22.12 -36.66 0.23 0.23 0.19 8.65 6.33 6.65
7.37
-17.26
16.29
8.50
 2.12 2.90 3.03 2.29
LifeStrategy Moderate Growth Vanguard 4 60 40 0
7.25
5.96
5.71
7.01
 0.01 Dec 06 2023 0.45 7.14 12.09 12.19 9.67 9.53 0.60 0.49 0.59 0.74 -20.84 -20.84 -33.52 0.29 0.27 0.21 7.69 5.73 7.19
10.75
-15.97
10.43
12.96
 1.80 1.88 2.33 1.99
Simple Money Portfolio Tim Maurer 7 60 40 0
3.59
4.21
4.32
6.99
 0.11 Dec 06 2023 0.81 5.97 10.93 11.79 9.31 9.10 0.33 0.36 0.46 0.77 -18.44 -18.44 -32.39 0.23 0.23 0.22 6.57 4.98 5.72
5.79
-11.48
10.46
6.87
 1.83 1.76 1.99 1.57
Sandwich Portfolio Bob Clyatt 8 55 45 0
4.45
4.56
4.71
6.97
 0.01 Dec 06 2023 0.51 6.16 10.75 10.55 8.36 8.32 0.41 0.43 0.56 0.84 -19.10 -19.10 -28.96 0.24 0.25 0.24 7.36 5.41 5.27
7.13
-14.72
9.88
10.59
 1.73 1.48 1.55 1.53
European Stocks 1 100 0 0
12.15
7.14
4.12
6.96
 0.02 Dec 06 2023 0.32 9.76 17.34 20.49 16.96 17.93 0.70 0.35 0.24 0.39 -30.98 -30.98 -59.77 0.23 0.13 0.12 10.61 10.64 18.65
14.05
-16.00
16.88
6.11
 2.85 2.67 3.49 2.85
Coward's Portfolio Bill Bernstein 9 60 40 0
3.80
5.17
5.17
6.93
 -0.10 Dec 06 2023 0.49 5.64 10.41 11.31 9.04 9.11 0.36 0.46 0.57 0.76 -15.87 -15.87 -32.68 0.33 0.33 0.21 5.86 4.46 5.85
6.59
-10.59
13.60
7.17
 1.87 1.61 1.49 1.58
Ivy Portfolio Mebane Faber 5 60 20 20
3.18
6.47
4.48
6.87
 -0.61 Dec 06 2023 -0.39 5.91 12.48 14.56 11.53 11.59 0.25 0.44 0.39 0.59 -21.77 -21.77 -47.39 0.30 0.21 0.14 7.17 6.57 9.26
6.30
-10.08
22.27
2.25
 1.73 1.79 2.07 2.02
One-Decision Portfolio Marvin Appel 5 50 50 0
3.85
5.26
5.48
6.85
 -0.08 Dec 06 2023 1.05 6.66 11.33 11.16 8.80 8.38 0.34 0.47 0.62 0.82 -16.74 -16.74 -31.96 0.31 0.33 0.21 6.64 4.89 5.56
6.90
-13.18
16.51
5.32
 2.90 1.90 1.66 1.86
Dynamic 40/60 Income 5 40 60 0
5.58
3.96
4.28
6.84
 0.06 Dec 06 2023 0.69 5.93 9.50 10.19 7.75 8.11 0.59 0.39 0.55 0.84 -17.33 -17.33 -29.84 0.23 0.25 0.23 7.20 5.21 4.89
8.21
-14.37
6.72
8.28
 3.42 3.06 2.85 3.24
Dynamic 60/40 Income 5 60 40 0
4.22
4.74
5.24
6.84
 -0.11 Dec 06 2023 0.74 6.99 11.73 11.79 9.11 9.33 0.36 0.40 0.58 0.73 -18.21 -18.21 -41.44 0.26 0.29 0.16 7.93 5.75 6.70
7.55
-15.89
15.27
6.26
 3.24 2.82 2.81 3.17
Global Market Portfolio Credit Suisse 8 45 55 0
3.75
4.06
4.63
6.84
 0.25 Dec 06 2023 1.37 7.77 13.20 11.31 8.93 8.29 0.28 0.36 0.52 0.82 -23.10 -23.10 -25.90 0.18 0.20 0.26 9.51 6.97 5.53
7.05
-19.25
7.49
12.06
 2.18 2.08 2.43 2.07
Stocks/Bonds 40/60 2 40 60 0
5.92
5.34
5.41
6.83
 0.01 Dec 06 2023 0.75 6.63 10.65 9.96 7.69 6.98 0.56 0.54 0.70 0.98 -18.63 -18.63 -19.17 0.29 0.29 0.36 7.39 5.34 4.25
8.96
-15.67
9.15
13.04
 1.93 1.87 1.84 2.20
Big Rocks Portfolio Larry Swedroe 11 60 40 0
3.04
4.56
4.73
6.83
 -0.06 Dec 06 2023 0.68 5.49 10.42 11.50 9.15 9.15 0.29 0.40 0.52 0.75 -15.71 -15.71 -33.80 0.29 0.30 0.20 6.03 4.58 5.97
5.55
-10.13
13.59
5.25
 1.99 1.75 1.65 1.57
Ultimate Buy&Hold FundAdvice 12 60 40 0
2.96
3.88
4.10
6.82
 0.03 Dec 06 2023 0.68 5.94 11.07 11.59 9.21 9.29 0.27 0.33 0.45 0.73 -18.44 -18.44 -34.23 0.21 0.22 0.20 6.98 5.29 6.09
5.24
-12.51
11.49
5.84
 2.04 2.37 2.22 1.73
GAA Global Asset Allocation Mebane Faber 10 40.5 49.5 10
4.30
4.83
4.46
6.77
 0.12 Dec 06 2023 0.98 7.02 12.33 10.96 8.64 8.06 0.35 0.44 0.52 0.84 -20.65 -20.65 -24.91 0.23 0.22 0.27 7.95 5.95 4.95
7.13
-16.44
8.69
11.18
 1.98 1.84 2.20 1.86
Simplified Permanent Portfolio 3 25 50 25
6.25
5.73
4.66
6.75
 0.19 Dec 06 2023 0.67 5.32 10.25 8.63 7.18 6.88 0.61 0.66 0.65 0.98 -16.43 -16.43 -16.43 0.35 0.28 0.41 5.92 4.53 3.24
7.69
-12.67
3.72
16.46
 1.52 1.14 0.78 1.02
Ideal Index Frank Armstrong 7 70 30 0
3.52
5.00
4.92
6.72
 -0.05 Dec 06 2023 0.55 6.29 11.90 12.88 10.34 10.67 0.30 0.39 0.48 0.63 -18.25 -18.25 -40.11 0.27 0.27 0.17 6.93 5.33 7.58
6.38
-11.91
13.98
6.95
 1.98 1.88 1.94 1.75
Sheltered Sam 50/50 Bill Bernstein 12 48.5 50 1.5
2.86
4.77
4.59
6.71
 -0.06 Dec 06 2023 0.51 5.04 9.10 9.86 7.79 7.82 0.31 0.48 0.59 0.86 -15.17 -15.17 -28.23 0.31 0.30 0.24 5.36 4.04 4.71
5.17
-10.08
12.55
7.04
 1.94 2.56 2.18 1.58
Four Square Scott Burns 4 50 50 0
5.81
5.13
4.84
6.66
 0.04 Dec 06 2023 0.47 6.05 10.49 10.74 8.53 8.45 0.55 0.48 0.57 0.79 -19.67 -19.67 -29.95 0.26 0.25 0.22 7.23 5.41 5.67
9.09
-15.24
9.33
11.91
 1.72 2.78 3.18 1.59
7Twelve Portfolio Craig Israelsen 9 50 33.3 16.7
2.16
5.36
3.65
6.63
 -0.50 Dec 06 2023 -0.35 4.57 10.43 12.01 9.60 9.81 0.21 0.45 0.38 0.68 -17.90 -17.90 -37.96 0.30 0.20 0.17 5.67 5.59 7.08
4.81
-7.91
16.41
3.64
 1.57 1.32 1.33 1.34
Edge Select Moderately Conservative Merrill Lynch 12 37 63 0
6.48
4.73
4.63
6.49
 0.06 Dec 06 2023 0.69 6.49 10.53 9.49 7.40 6.86 0.62 0.50 0.63 0.95 -18.53 -18.53 -20.48 0.25 0.25 0.32 7.02 5.11 4.17
9.23
-14.91
6.44
11.65
 2.16 1.88 1.84 1.95
Desert Portfolio Gyroscopic Investing 3 30 60 10
6.35
5.21
4.54
6.48
 -0.02 Dec 06 2023 0.38 4.82 8.33 7.30 5.74 5.50 0.76 0.71 0.79 1.18 -14.72 -14.72 -14.72 0.35 0.31 0.44 5.31 3.85 2.73
8.18
-11.64
5.76
12.96
 1.44 1.14 0.88 1.23
All Country World 80/20 4 80 20 0
9.18
7.49
6.63
6.48
 -0.08 Dec 06 2023 0.17 8.14 14.06 15.41 12.41 12.79 0.65 0.49 0.53 0.51 -23.52 -23.52 -47.32 0.32 0.28 0.14 8.53 6.64 12.53
13.55
-17.17
14.21
14.55
 1.71 1.86 2.27 1.98
Andrew Tobias Portfolio Andrew Tobias 3 66.7 33.3 0
8.95
6.50
5.48
6.47
 -0.05 Dec 06 2023 0.10 6.32 10.92 12.06 9.77 9.96 0.82 0.54 0.56 0.65 -18.85 -18.85 -36.42 0.34 0.29 0.18 6.36 4.98 8.58
11.64
-12.58
12.14
10.55
 1.83 1.61 1.80 1.64
Rob Arnott Portfolio Rob Arnott 8 30 60 10
1.65
4.21
3.83
6.46
 -0.01 Dec 06 2023 0.99 6.13 10.96 9.72 7.66 7.22 0.15 0.43 0.50 0.89 -17.86 -17.86 -24.27 0.24 0.21 0.27 7.22 5.38 4.63
4.59
-14.81
11.04
7.98
 2.09 2.31 2.57 1.88
All Country World Stocks 1 100 0 0
10.90
9.07
7.75
6.45
 -0.18 Dec 06 2023 -0.16 9.01 15.88 18.30 14.88 15.66 0.69 0.50 0.52 0.41 -25.52 -25.52 -57.06 0.36 0.30 0.11 9.19 7.39 17.97
16.04
-18.01
18.27
16.61
 1.56 1.78 2.13 1.91
High Yield Bonds Income 4 0 100 0
4.49
2.24
2.92
6.42
 0.32 Dec 06 2023 1.64 6.64 10.32 11.14 8.66 8.80 0.44 0.20 0.34 0.73 -21.84 -21.84 -23.97 0.10 0.13 0.27 9.34 6.89 5.12
6.42
-16.88
0.88
7.08
 4.58 4.25 3.76 4.38
Permanent Portfolio Harry Browne 4 25 50 25
6.34
5.76
4.86
6.37
 0.32 Dec 06 2023 1.12 5.41 10.16 8.53 7.22 6.58 0.62 0.68 0.67 0.97 -15.92 -15.92 -15.92 0.36 0.31 0.40 5.87 4.68 3.22
7.45
-12.53
4.21
16.10
 1.97 1.13 0.73 0.94
Lifepath Fund iShares 6 40.4 59.6 0
4.76
4.50
4.43
6.37
 0.09 Dec 06 2023 0.75 6.28 10.44 9.71 7.55 7.00 0.46 0.46 0.59 0.91 -18.92 -18.92 -21.23 0.24 0.23 0.30 7.34 5.35 4.33
7.34
-15.14
8.05
11.47
 2.00 2.36 2.31 2.15
All Country World 60/40 4 60 40 0
7.42
5.86
5.48
6.34
 0.02 Dec 06 2023 0.50 7.24 12.24 12.65 10.05 10.09 0.61 0.46 0.54 0.63 -21.52 -21.52 -36.70 0.27 0.25 0.17 7.97 6.01 8.09
11.06
-16.34
10.14
12.48
 1.86 1.94 2.41 2.05
LifeStrategy Conservative Growth Vanguard 4 40 60 0
5.35
4.25
4.37
6.23
 0.10 Dec 06 2023 0.77 6.19 10.26 9.46 7.37 6.89 0.52 0.45 0.59 0.90 -18.57 -18.57 -21.90 0.23 0.24 0.28 7.18 5.23 4.43
8.13
-14.98
6.29
10.90
 1.91 1.90 2.39 2.03
Sheltered Sam 40/60 Bill Bernstein 12 38.8 60 1.2
2.62
4.16
3.93
6.18
 -0.04 Dec 06 2023 0.49 4.37 7.81 8.24 6.49 6.47 0.34 0.51 0.61 0.95 -13.86 -13.86 -22.05 0.30 0.28 0.28 4.89 3.65 3.66
4.54
-9.58
10.41
6.86
 1.98 2.67 2.12 1.48
All Country World 40/60 4 40 60 0
5.63
4.18
4.28
6.06
 0.13 Dec 06 2023 0.84 6.32 10.44 10.09 7.86 7.63 0.54 0.41 0.54 0.79 -19.52 -19.52 -25.16 0.21 0.22 0.24 7.55 5.53 4.97
8.57
-15.50
6.07
10.42
 2.01 2.02 2.55 2.13
Paul Boyer Portfolio Paul Boyer 5 25 50 25
2.24
3.43
3.11
6.05
 0.38 Dec 06 2023 1.33 5.11 10.86 8.68 7.54 7.50 0.21 0.39 0.41 0.81 -18.04 -18.04 -18.04 0.19 0.17 0.34 7.07 5.65 4.00
3.12
-13.57
0.51
15.04
 1.44 1.15 0.90 1.04
Stocks/Bonds 20/80 Momentum 2 20 80 0
0.82
2.29
3.41
6.01
 0.04 Dec 06 2023 0.72 5.46 8.35 7.39 5.78 4.94 0.10 0.31 0.59 1.22 -17.91 -17.91 -17.91 0.13 0.19 0.34 8.39 6.01 3.73
2.27
-14.14
1.18
12.14
 2.14 2.07 1.77 2.24
Larry Portfolio Larry Swedroe 4 30 70 0
0.69
1.78
2.23
5.81
 0.09 Dec 06 2023 0.91 4.37 8.38 6.98 5.52 5.57 0.08 0.26 0.40 1.04 -15.96 -15.96 -15.96 0.11 0.14 0.36 6.65 4.82 3.31
2.36
-11.20
3.41
6.44
 1.75 1.50 1.20 1.29
All Country World 20/80 4 20 80 0
3.81
2.45
3.03
5.64
 0.23 Dec 06 2023 1.17 5.37 8.70 7.86 6.02 5.63 0.44 0.31 0.50 1.00 -17.97 -17.97 -17.97 0.14 0.17 0.31 7.54 5.42 3.74
6.09
-14.66
2.00
8.36
 2.16 2.09 2.69 2.20
Sheltered Sam 30/70 Bill Bernstein 12 29.1 70 0.9
2.37
3.54
3.26
5.62
 -0.02 Dec 06 2023 0.48 3.71 6.55 6.68 5.24 5.22 0.36 0.53 0.62 1.08 -12.55 -12.55 -16.58 0.28 0.26 0.34 4.49 3.31 2.90
3.91
-9.07
8.27
6.68
 2.02 2.77 2.07 1.38
Gold 1 0 0 100
14.53
10.31
4.57
5.55
 0.37 Dec 06 2023 -0.48 2.53 14.60 14.50 14.20 15.48 1.00 0.71 0.32 0.36 -18.08 -20.76 -42.91 0.57 0.22 0.13 6.98 8.36 20.47
11.27
-0.77
-4.15
24.81
 0.00 0.00 0.00 0.00
Stocks/Bonds 20/80 2 20 80 0
3.48
3.07
3.39
5.54
 0.15 Dec 06 2023 1.05 5.61 9.00 7.52 5.73 4.90 0.39 0.41 0.59 1.13 -16.57 -16.57 -16.57 0.19 0.20 0.33 7.05 5.05 3.18
5.38
-14.39
3.64
10.38
 2.15 2.05 1.95 2.37
Developed World ex-US 60/40 2 60 40 0
6.54
3.95
3.49
5.46
 0.24 Dec 06 2023 0.61 6.67 11.78 12.18 9.84 10.22 0.56 0.32 0.35 0.53 -22.40 -22.40 -37.49 0.18 0.16 0.15 7.95 6.25 8.52
9.18
-14.32
6.09
7.71
 1.92 1.98 3.50 1.79
Developed World ex-US 80/20 2 80 20 0
7.90
5.01
3.84
5.42
 0.22 Dec 06 2023 0.30 7.74 14.03 15.34 12.56 13.31 0.56 0.33 0.31 0.41 -25.24 -25.24 -47.74 0.20 0.15 0.11 8.80 7.48 13.11
10.44
-14.84
8.88
8.72
 2.04 2.20 3.48 2.00
Dimensional Retirement Income Fund DFA 7 20.4 79.6 0
4.03
3.89
3.16
5.36
 0.01 Dec 06 2023 0.40 3.28 5.76 6.10 4.81 4.79 0.70 0.64 0.66 1.12 -12.16 -12.16 -12.91 0.32 0.26 0.42 4.26 3.15 2.61
5.35
-9.39
7.04
8.69
 2.53 4.29 3.41 1.56
Developed World ex-US 40/60 2 40 60 0
5.19
2.84
3.07
5.34
 0.26 Dec 06 2023 0.91 5.59 9.60 9.27 7.33 7.43 0.54 0.31 0.42 0.72 -19.57 -19.57 -26.17 0.15 0.16 0.20 7.28 5.39 5.12
7.92
-13.80
3.30
6.69
 1.81 1.75 3.51 1.58
LifeStrategy Income Fund Vanguard 4 20 80 0
3.41
2.48
2.98
5.33
 0.20 Dec 06 2023 1.08 5.21 8.53 7.16 5.47 4.77 0.40 0.35 0.55 1.12 -16.61 -16.61 -16.61 0.15 0.18 0.32 7.00 5.02 3.29
5.50
-14.00
2.15
8.85
 2.02 1.93 2.45 2.08
Eliminate Fat Tails Larry Swedroe 4 30 70 0
1.39
2.68
2.55
5.30
 -0.01 Dec 06 2023 0.43 3.45 6.99 7.06 5.79 6.36 0.20 0.38 0.44 0.83 -12.62 -12.62 -18.42 0.21 0.20 0.29 4.85 3.82 3.56
3.08
-9.61
5.40
8.18
 2.43 3.01 2.12 0.99
Developed World ex-US Stocks 1 100 0 0
9.27
6.03
4.14
5.23
 0.20 Dec 06 2023 0.00 8.81 16.31 18.66 15.41 16.59 0.57 0.32 0.27 0.32 -28.08 -28.08 -57.00 0.21 0.15 0.09 9.77 9.16 18.42
11.70
-15.36
11.67
9.74
 2.16 2.42 3.46 2.21
Edge Select Conservative Merrill Lynch 12 21 79 0
4.24
3.06
3.13
5.12
 0.09 Dec 06 2023 0.70 4.37 6.94 6.01 4.64 4.26 0.61 0.51 0.67 1.20 -12.44 -12.44 -12.44 0.25 0.25 0.41 4.56 3.30 2.39
5.84
-9.59
3.46
6.74
 2.63 1.77 1.51 1.56
All Country World Bonds 3 0 100 0
1.96
0.67
1.74
5.11
 0.33 Dec 06 2023 1.50 4.39 7.10 6.31 4.88 4.61 0.28 0.11 0.36 1.11 -17.60 -17.60 -17.60 0.04 0.10 0.29 8.18 5.87 3.72
3.60
-13.82
-2.06
6.30
 2.31 2.17 2.83 2.27
Developed World ex-US 20/80 2 20 80 0
3.84
1.70
2.60
5.08
 0.28 Dec 06 2023 1.22 4.51 7.61 6.80 5.24 5.26 0.50 0.25 0.50 0.97 -16.80 -16.80 -16.80 0.10 0.15 0.30 6.87 4.93 3.81
6.65
-13.28
0.51
5.67
 1.69 1.53 3.53 1.37
Sheltered Sam 20/80 Bill Bernstein 12 19.4 80 0.6
2.12
2.90
2.57
5.04
 -0.01 Dec 06 2023 0.47 3.05 5.36 5.25 4.11 4.14 0.39 0.55 0.63 1.22 -11.24 -11.24 -11.24 0.26 0.23 0.45 4.16 3.03 2.33
3.28
-8.57
6.12
6.51
 2.06 2.88 2.02 1.29
Robo Advisor 20 Betterment 12 19.9 80.1 0
3.66
2.44
2.44
5.01
 0.06 Dec 06 2023 0.53 3.47 5.84 5.31 4.14 4.18 0.63 0.46 0.59 1.20 -12.16 -12.16 -12.16 0.20 0.20 0.41 4.65 3.38 2.40
4.82
-9.10
2.61
6.01
 2.09 1.78 1.60 1.58
US Inflation Protection 1 0 100 0
-0.52
2.25
1.71
4.90
 0.10 Dec 06 2023 0.74 2.77 5.63 6.28 5.16 6.05 -0.09 0.36 0.33 0.81 -14.76 -14.76 -14.76 0.15 0.12 0.33 6.54 4.81 4.10
0.81
-13.10
5.67
10.84
 2.00 5.89 4.41 1.29
Total Bond Developed World ex-US 1 0 100 0
2.49
0.52
2.06
4.69
 0.30 Dec 06 2023 1.52 3.43 6.03 5.29 4.16 4.57 0.41 0.10 0.49 1.02 -14.88 -14.88 -14.88 0.03 0.14 0.31 7.17 5.15 3.72
5.39
-12.76
-2.28
4.65
 1.57 1.31 3.55 1.16
Emerging Markets Stocks 1 100 0 0
2.42
1.46
1.42
4.65
 -0.13 Dec 06 2023 -1.44 7.79 18.55 19.25 17.41 22.91 0.13 0.08 0.08 0.20 -36.52 -36.52 -60.44 0.04 0.04 0.08 16.75 16.53 22.25
5.20
-20.56
-3.61
17.03
 0.82 1.95 1.89 1.68
10-year Treasury 1 0 100 0
-1.61
0.01
0.99
4.59
 0.41 Dec 06 2023 1.65 4.55 8.89 7.58 6.42 6.81 -0.18 0.00 0.15 0.67 -23.18 -23.18 -23.18 0.00 0.04 0.20 10.82 8.15 5.53
-0.12
-15.19
-3.33
10.01
 2.40 1.61 0.80 1.18
Sheltered Sam 10/90 Bill Bernstein 12 9.7 90 0.3
1.86
2.24
1.88
4.43
 0.01 Dec 06 2023 0.45 2.39 4.30 4.04 3.18 3.39 0.43 0.56 0.59 1.31 -9.93 -9.93 -9.93 0.23 0.19 0.45 3.89 2.81 1.99
2.65
-8.07
3.98
6.33
 2.10 2.99 1.97 1.19
Conservative Income Charles Schwab 6 5 95 0
1.95
1.71
1.85
4.26
 0.14 Dec 06 2023 0.92 3.47 5.65 4.88 3.87 3.61 0.35 0.35 0.48 1.18 -11.50 -11.50 -11.50 0.15 0.16 0.37 4.94 3.59 2.39
2.89
-9.97
2.43
5.45
 2.88 2.82 2.26 1.91
Total Bond US 1 0 100 0
0.97
0.72
1.33
4.13
 0.29 Dec 06 2023 1.35 4.54 7.63 6.14 4.80 4.21 0.13 0.12 0.28 0.98 -17.28 -17.28 -17.28 0.04 0.08 0.24 8.01 5.78 3.54
1.79
-13.11
-1.86
7.71
 2.37 2.23 2.06 2.53
Robo Advisor 10 Betterment 12 9.9 90.1 0
3.36
1.79
1.65
4.07
 0.02 Dec 06 2023 0.40 2.33 3.93 3.26 2.51 2.56 0.86 0.55 0.66 1.59 -8.91 -8.91 -8.91 0.20 0.19 0.46 3.51 2.51 1.58
3.88
-6.66
0.88
4.71
 2.14 1.52 1.05 1.36
Sheltered Sam 0/100 Bill Bernstein 2 0 100 0
1.59
1.58
1.18
3.80
 0.03 Dec 06 2023 0.44 1.72 3.50 3.30 2.68 3.21 0.45 0.48 0.44 1.19 -8.61 -8.61 -8.61 0.18 0.14 0.44 3.67 2.66 1.93
2.03
-7.57
1.84
6.16
 2.14 3.10 1.92 1.09
Robo Advisor 0 Betterment 2 0 100 0
3.01
1.11
0.85
3.10
 -0.02 Dec 06 2023 0.27 1.20 2.50 2.01 1.54 1.82 1.21 0.55 0.55 1.70 -5.86 -5.86 -5.86 0.19 0.14 0.53 2.46 1.77 1.08
2.91
-4.20
-0.79
3.37
 2.19 1.27 0.49 1.14
Short Term Treasury 1 0 100 0
2.96
1.04
0.77
3.00
 -0.02 Dec 06 2023 0.24 1.05 2.35 1.88 1.44 1.81 1.26 0.56 0.53 1.66 -5.36 -5.36 -5.36 0.19 0.14 0.56 2.26 1.62 1.00
2.84
-3.88
-0.72
3.03
 2.23 1.24 0.26 0.96
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
Highlighted values indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2023. Waiting for updates, inflation of Nov 2023 is set to 0%. Current inflation (annualized) is 1Y: 3.35% , 5Y: 4.07% , 10Y: 2.82% , 30Y: 2.52%
Portfolio returns are updated to 30 November 2023.
Live Dec 2023 Returns are calculated on the hypothesis of a newly built portfolio, with the starting asset allocation. Once consolidated, the returns will be calculated on the actual asset weights. Portfolio Update time is Eastern Time (ET - America/New York).
Click here for short term returns
Risk is represented as the annualized Standard Deviation of monthly returns.
High values of Standard Deviation mean high fluctuations in prices.
Data are updated to 30 November 2023.
The maximum Drawdown is calculated considering the end of month prices.
Low Risk Portfolios usually grant less severe drawdowns.
Data are updated to 30 November 2023.
Highlighted values indicate returns lower than the US Inflation recorded in the same period. US Inflation is updated to Oct 2023. Waiting for updates, inflation of Nov 2023 is set to 0%. 2023: 3.66%, 2022: 6.45%, 2021: 7.04%, 2020: 1.36%
For further details about Dividends, click here.
Swipe left to see all data
% Allocation
Ann. Return (%) - Nov 30, 2023
Chg (%)
Return (%)
St.Dev. (%)
Ann. Return / St.Dev.
Max Drawdown (%)
Return / Drawdown
Ulcer Index
YTD(%)
Yearly Returns (%)
Portfolio Author #ETF Stocks Bonds Comm 1Y 3Y 5Y ▾ Daily Time(ET) Dec 2023 Nov 2023 1Y 3Y 5Y 1Y 3Y 5Y 3Y 5Y 3Y 5Y 3Y 5Y 2023 2022 2021 2020 2023 2022 2021 2020
Cape US Sector Value Robert Shiller 1 100 0 0
12.17
10.67
13.49
 0.00 Dec 06 2023 -0.26 8.75 18.49 18.38 19.60 0.66 0.58 0.69 -20.07 -21.00 0.53 0.64 7.47 6.94
20.98
-15.62
27.80
19.47
 0.76 0.44 0.00 0.00
US Stocks ESG 1 100 0 0
15.83
7.47
12.59
 -0.39 Dec 06 2023 -0.02 10.33 17.35 18.24 19.66 0.91 0.41 0.64 -27.79 -27.79 0.27 0.45 13.16 10.78
23.82
-24.04
26.20
25.67
 1.01 1.07 0.85 1.38
US Stocks Equal Weight 1 100 0 0
1.44
8.23
9.86
 0.03 Dec 06 2023 0.68 9.18 17.65 17.97 20.93 0.08 0.46 0.47 -20.69 -26.65 0.40 0.37 7.95 8.03
6.44
-11.62
29.41
12.71
 1.40 1.59 1.64 1.83
Stocks/Bonds 60/40 2x Leveraged 2 60 40 0
8.35
1.87
9.79
 -0.19 Dec 06 2023 0.89 14.90 25.15 25.25 23.99 0.33 0.07 0.41 -39.53 -39.53 0.05 0.25 21.60 17.16
18.22
-35.46
33.12
20.45
 1.02 0.31 0.18 0.40
Stocks/Bonds 60/40 with Bitcoin 3 59 39 2
10.47
4.65
9.22
 -0.14 09:59PM, Dec 06 2023 0.72 7.65 12.69 13.20 13.53 0.83 0.35 0.68 -21.45 -21.45 0.22 0.43 10.05 8.09
14.84
-17.90
15.60
21.52
 1.67 1.65 1.69 2.00
Stocks/Bonds 60/40 ESG 2 60 40 0
10.32
2.95
8.15
 -0.16 Dec 06 2023 0.51 8.15 13.04 13.01 12.89 0.79 0.23 0.63 -22.44 -22.44 0.13 0.36 11.10 8.82
14.95
-19.58
14.84
18.27
 1.62 1.62 1.30 1.76
Permanent Portfolio with Bitcoin Harry Browne 5 25 50 25
8.48
1.50
7.42
 0.31 09:59PM, Dec 06 2023 1.40 5.60 10.68 9.86 9.21 0.79 0.15 0.81 -16.88 -16.88 0.09 0.44 7.89 6.17
9.73
-13.79
5.47
21.71
 1.97 1.13 0.73 0.94
Golden Butterfly with Bitcoin 6 40 40 20
5.56
2.58
7.34
 0.21 09:59PM, Dec 06 2023 1.78 6.41 12.38 11.33 10.93 0.45 0.23 0.67 -18.74 -18.74 0.14 0.39 8.52 6.75
8.15
-14.60
10.61
19.54
 1.48 1.13 1.03 1.09
Stocks/Bonds 40/60 with Bitcoin 3 39 59 2
8.15
2.13
7.06
 0.00 09:59PM, Dec 06 2023 1.01 6.70 10.93 10.95 10.64 0.75 0.19 0.66 -19.39 -19.39 0.11 0.36 9.60 7.59
11.25
-16.62
10.09
18.86
 1.89 1.83 1.80 2.16
Developed World ex-US Stocks Momentum 1 100 0 0
8.31
0.99
6.93
 0.36 Dec 06 2023 -0.12 7.95 13.92 16.18 16.23 0.60 0.06 0.43 -28.57 -28.57 0.03 0.24 12.04 9.79
10.02
-16.80
6.60
22.16
 1.40 2.19 5.51 1.17
Simplified Permanent Portfolio 2x Leveraged 3 25 50 25
5.62
-3.28
6.91
 0.37 Dec 06 2023 1.24 10.03 20.28 18.99 16.89 0.28 -0.17 0.41 -31.96 -31.96 -0.10 0.22 17.07 13.39
8.73
-26.74
8.10
24.56
 1.27 0.24 0.14 0.38
Desert Portfolio with Bitcoin Gyroscopic Investing 4 30 60 10
8.47
2.46
6.88
 -0.03 09:59PM, Dec 06 2023 0.66 5.02 8.81 8.76 8.14 0.96 0.28 0.85 -15.73 -15.73 0.16 0.44 7.25 5.69
10.47
-12.90
7.03
18.57
 1.44 1.14 0.88 1.23
Ark Tech Portfolio Cathie Wood 4 100 0 0
18.84
-19.60
6.33
 -0.25 Dec 06 2023 3.53 23.67 44.61 37.57 38.15 0.42 -0.52 0.17 -69.47 -69.47 -0.28 0.09 47.46 37.11
37.18
-58.78
-18.06
149.52
 0.29 0.00 1.03 2.88
All Weather Portfolio 2x Leveraged Ray Dalio 5 37.5 55 7.5
-4.73
-4.14
6.32
 0.86 Dec 06 2023 3.88 14.31 26.85 24.66 21.42 -0.18 -0.17 0.30 -37.02 -37.02 -0.11 0.17 19.38 15.23
2.27
-29.60
19.72
19.68
 1.34 0.42 0.32 0.37
All Weather Portfolio with Bitcoin Ray Dalio 6 30 55 15
3.90
-0.94
6.28
 0.28 09:59PM, Dec 06 2023 2.05 7.30 13.34 11.97 10.75 0.29 -0.08 0.58 -21.81 -21.81 -0.04 0.29 11.93 9.31
6.98
-19.84
9.08
21.82
 1.65 1.35 1.13 1.40
Golden Butterfly 2x Leveraged 4 40 40 20
0.92
-1.81
5.89
 0.21 Dec 06 2023 1.92 11.07 21.56 20.57 19.16 0.04 -0.09 0.31 -34.50 -34.50 -0.05 0.17 18.53 14.62
6.21
-28.62
16.84
19.29
 1.12 0.25 0.11 0.31
Stocks/Bonds 40/60 2x Leveraged 2 40 60 0
2.56
-3.75
5.86
 0.13 Dec 06 2023 1.73 12.93 22.07 21.18 18.53 0.12 -0.18 0.32 -36.46 -36.46 -0.10 0.16 21.29 16.65
9.88
-33.70
19.46
19.91
 1.52 0.32 0.18 0.47
Stocks/Bonds 40/60 ESG 2 40 60 0
7.34
0.51
5.73
 -0.05 Dec 06 2023 0.78 6.96 10.95 10.58 9.85 0.67 0.05 0.58 -19.76 -19.76 0.03 0.29 10.17 7.99
10.51
-17.35
9.16
14.57
 1.92 1.89 1.53 1.96
Desert Portfolio 2x Leveraged Gyroscopic Investing 3 30 60 10
2.62
-4.68
5.46
 0.29 Dec 06 2023 1.70 11.33 20.49 19.23 16.64 0.13 -0.24 0.33 -34.04 -34.04 -0.14 0.16 19.54 15.25
7.75
-30.56
12.18
21.66
 1.52 0.29 0.17 0.45
Talmud Portfolio 2x Leveraged Roger Gibson 3 66.7 33.3 0
-1.17
-0.38
5.34
 -0.25 Dec 06 2023 2.09 16.93 28.60 28.30 26.66 -0.04 -0.01 0.20 -44.36 -44.36 -0.01 0.12 25.94 20.95
7.72
-39.60
46.68
4.10
 1.07 0.42 0.24 0.51
Developed World ex-US 60/40 Momentum 2 60 40 0
5.95
-0.69
4.51
 0.34 Dec 06 2023 0.54 6.14 10.19 11.24 10.92 0.58 -0.06 0.41 -22.23 -22.23 -0.03 0.20 10.08 8.04
8.17
-15.18
3.05
15.15
 1.47 1.84 4.73 1.17
Developed World ex-US 40/60 Momentum 2 40 60 0
4.79
-1.56
3.22
 0.33 Dec 06 2023 0.86 5.24 8.49 9.02 8.53 0.56 -0.17 0.38 -19.40 -19.40 -0.08 0.17 9.43 7.45
7.24
-14.37
1.27
11.65
 1.50 1.66 4.33 1.16
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