Most of the Lazy Portfolios feature a straightforward and minimalist asset allocation, designed to achieve broad diversification with simplicity.
These portfolios can be easily constructed using just a few well-chosen ETFs, making them accessible to investors of all levels, including those with limited experience.
To maintain a consistent and predefined level of risk, Lazy Portfolios require periodic rebalancing, which is crucial for aligning the portfolio with its original risk-return profile.
Rebalancing a portfolio involves adjusting the asset allocation to restore it to the initial percentage composition, thereby ensuring that the investment strategy remains on track despite market fluctuations.
In essence, the primary responsibility of investors managing a Lazy Portfolio is to perform this rebalancing, typically on an annual basis, ensuring that their portfolio continues to align with their long-term financial goals.
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Portfolio Risk: Very High. You can build it, with 4 ETFs80% Stocks20% Fixed Income
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Portfolio Risk: High. You can build it, with 7 ETFs45% Fixed Income40% Stocks15% Commodities
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Portfolio Risk: High. You can build it, with 5 ETFs44% Fixed Income34% Commodities22% Stocks
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Portfolio Risk: High. You can build it, with 6 ETFs43% Fixed Income10% Commodities47% Stocks
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Portfolio Risk: High. You can build it, with 6 ETFs20% Commodities38% Fixed Income42% Stocks
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Portfolio Risk: Low. You can build it, with 5 ETFs77% Fixed Income12% Commodities11% Stocks
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Portfolio Risk: High. You can build it, with 10 ETFs30% Fixed Income65% Stocks5% Commodities
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Portfolio Risk: Low. You can build it, with 4 ETFs80% Fixed Income20% Stocks
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Portfolio Risk: Medium. You can build it, with 4 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: High. You can build it, with 4 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Very High. You can build it, with 4 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Low. You can build it, with 3 ETFs100% Fixed Income
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Very High. You can build it, with 8 ETFs70% Stocks10% Commodities20% Fixed Income
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Portfolio Risk: High. You can build it, with 3 ETFs66.67% Stocks33.33% Fixed Income
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Portfolio Risk: Very High. You can build it, with 6 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 7 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Low. You can build it, with 2 ETFs100% Fixed Income
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Portfolio Risk: Low. You can build it, with 12 ETFs90.1% Fixed Income9.9% Stocks
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Portfolio Risk: Very High. You can build it, with 6 ETFs100% Stocks
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Portfolio Risk: Low. You can build it, with 12 ETFs80.1% Fixed Income19.9% Stocks
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Portfolio Risk: Medium. You can build it, with 10 ETFs50.1% Fixed Income49.9% Stocks
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Portfolio Risk: Very High. You can build it, with 10 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 11 ETFs9.9% Fixed Income90.1% Stocks
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Portfolio Risk: High. You can build it, with 9 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 4 ETFs75% Stocks25% Fixed Income
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Portfolio Risk: Low. You can build it, with 2 ETFs100% Fixed Income
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Portfolio Risk: Low. You can build it, with 12 ETFs9.7% Stocks0.3% Commodities90% Fixed Income
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Portfolio Risk: Very High. You can build it, with 10 ETFs97% Stocks3% Commodities
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Portfolio Risk: Low. You can build it, with 12 ETFs19.4% Stocks0.6% Commodities80% Fixed Income
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Portfolio Risk: Medium. You can build it, with 12 ETFs29.1% Stocks0.9% Commodities70% Fixed Income
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Portfolio Risk: Medium. You can build it, with 12 ETFs38.8% Stocks1.2% Commodities60% Fixed Income
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Portfolio Risk: Medium. You can build it, with 12 ETFs48.5% Stocks1.5% Commodities50% Fixed Income
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Portfolio Risk: High. You can build it, with 12 ETFs58.2% Stocks1.8% Commodities40% Fixed Income
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Portfolio Risk: High. You can build it, with 12 ETFs67.9% Stocks2.1% Commodities30% Fixed Income
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Portfolio Risk: Very High. You can build it, with 12 ETFs77.6% Stocks2.4% Commodities20% Fixed Income
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Portfolio Risk: Very High. You can build it, with 12 ETFs87.3% Stocks2.7% Commodities10% Fixed Income
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Portfolio Risk: High. You can build it, with 7 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: High. You can build it, with 8 ETFs45% Fixed Income55% Stocks
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Portfolio Risk: Very High. You can build it, with 4 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 3 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: High. You can build it, with 8 ETFs29% Fixed Income71% Stocks
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Portfolio Risk: Very High. You can build it, with 8 ETFs15% Fixed Income85% Stocks
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Portfolio Risk: Very High. You can build it, with 8 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 8 ETFs13% Fixed Income87% Stocks
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Portfolio Risk: Low. You can build it, with 6 ETFs95% Fixed Income5% Stocks
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Portfolio Risk: High. You can build it, with 9 ETFs33.34% Fixed Income50% Stocks16.66% Commodities
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Portfolio Risk: Medium. You can build it, with 8 ETFs55% Fixed Income45% Stocks
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Portfolio Risk: High. You can build it, with 6 ETFs70% Stocks30% Fixed Income
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Portfolio Risk: High. You can build it, with 6 ETFs70% Stocks30% Fixed Income
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Portfolio Risk: Medium. You can build it, with 4 ETFs10% Commodities60% Fixed Income30% Stocks
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Portfolio Risk: Very High. You can build it, with 9 ETFs80% Stocks20% Fixed Income
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Portfolio Risk: Very High. You can build it, with 3 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 2 ETFs100% Stocks
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Portfolio Risk: Low. You can build it, with 2 ETFs80% Fixed Income20% Stocks
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Portfolio Risk: Medium. You can build it, with 2 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: Medium. You can build it, with 2 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: High. You can build it, with 2 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: High. You can build it, with 2 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Very High. You can build it, with 2 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Low. You can build it, with 7 ETFs20.4% Stocks79.6% Fixed Income
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Portfolio Risk: Medium. You can build it, with 5 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: High. You can build it, with 5 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: High. You can build it, with 7 ETFs70% Stocks30% Fixed Income
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Portfolio Risk: High. You can build it, with 5 ETFs10% Commodities45% Fixed Income45% Stocks
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Portfolio Risk: High. You can build it, with 12 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 4 ETFs40% Stocks20% Commodities40% Fixed Income
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Portfolio Risk: High. You can build it, with 6 ETFs20% Commodities40% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 9 ETFs30% Fixed Income70% Stocks
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Portfolio Risk: Medium. You can build it, with 3 ETFs10% Commodities60% Fixed Income30% Stocks
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Portfolio Risk: Medium. You can build it, with 3 ETFs30% Stocks10% Commodities60% Fixed Income
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Portfolio Risk: Medium. You can build it, with 4 ETFs10% Commodities60% Fixed Income30% Stocks
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Portfolio Risk: Medium. You can build it, with 4 ETFs50% Fixed Income25% Commodities25% Stocks
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Portfolio Risk: Medium. You can build it, with 5 ETFs50% Fixed Income25% Commodities25% Stocks
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Portfolio Risk: Low. You can build it, with 4 ETFs100% Fixed Income
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Portfolio Risk: Medium. You can build it, with 6 ETFs59.58% Fixed Income40.42% Stocks
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Portfolio Risk: High. You can build it, with 5 ETFs30% Fixed Income70% Stocks
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Portfolio Risk: High. You can build it, with 2 ETFs25% Fixed Income75% Stocks
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Portfolio Risk: High. You can build it, with 5 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Medium. You can build it, with 4 ETFs70% Fixed Income30% Stocks
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Portfolio Risk: High. You can build it, with 11 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: Medium. You can build it, with 4 ETFs30% Stocks70% Fixed Income
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Portfolio Risk: High. You can build it, with 6 ETFs25% Fixed Income50% Stocks25% Commodities
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Portfolio Risk: Medium. You can build it, with 5 ETFs50% Fixed Income50% Stocks
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Portfolio Risk: High. You can build it, with 10 ETFs49.5% Fixed Income40.5% Stocks10% Commodities
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Portfolio Risk: Very High. You can build it, with 5 ETFs20% Fixed Income20% Commodities60% Stocks
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Portfolio Risk: Very High. You can build it, with 12 ETFs16% Fixed Income84% Stocks
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Portfolio Risk: Low. You can build it, with 12 ETFs79% Fixed Income21% Stocks
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Portfolio Risk: High. You can build it, with 12 ETFs47% Fixed Income53% Stocks
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Portfolio Risk: High. You can build it, with 12 ETFs31% Fixed Income69% Stocks
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Portfolio Risk: Medium. You can build it, with 12 ETFs63% Fixed Income37% Stocks
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Portfolio Risk: Medium. You can build it, with 5 ETFs25% Stocks25% Commodities50% Fixed Income
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Portfolio Risk: Very High. You can build it, with 3 ETFs10% Fixed Income90% Stocks
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Portfolio Risk: Very High. You can build it, with 10 ETFs100% Stocks
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Portfolio Risk: High. You can build it, with 8 ETFs25% Fixed Income65% Stocks10% Commodities
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Portfolio Risk: Medium. You can build it, with 5 ETFs15% Commodities55% Fixed Income30% Stocks
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Portfolio Risk: Medium. You can build it, with 5 ETFs37.5% Stocks55% Fixed Income7.5% Commodities
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Portfolio Risk: Medium. You can build it, with 6 ETFs15% Commodities55% Fixed Income30% Stocks
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Portfolio Risk: Very High. You can build it, with 4 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Medium. You can build it, with 8 ETFs60% Fixed Income10% Commodities30% Stocks
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Very High. You can build it, with 6 ETFs20% Fixed Income20% Commodities60% Stocks
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Portfolio Risk: High. You can build it, with 3 ETFs33.33% Fixed Income66.67% Stocks
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Portfolio Risk: High. You can build it, with 3 ETFs66.67% Stocks33.33% Fixed Income
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Portfolio Risk: Medium. You can build it, with 2 ETFs50% Fixed Income50% Stocks
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Portfolio Risk: High. You can build it, with 5 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Medium. You can build it, with 4 ETFs50% Fixed Income50% Stocks
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Portfolio Risk: High. You can build it, with 3 ETFs33% Fixed Income67% Stocks
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Portfolio Risk: High. You can build it, with 7 ETFs28.5% Fixed Income71.5% Stocks
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Portfolio Risk: High. You can build it, with 6 ETFs33.32% Fixed Income66.68% Stocks
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Portfolio Risk: Medium. You can build it, with 3 ETFs25% Commodities50% Fixed Income25% Stocks
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Portfolio Risk: Medium. You can build it, with 3 ETFs25% Stocks25% Commodities50% Fixed Income
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Portfolio Risk: Low. You can build it, with 2 ETFs80% Fixed Income20% Stocks
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Portfolio Risk: Low. You can build it, with 2 ETFs80% Fixed Income20% Stocks
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Portfolio Risk: Medium. You can build it, with 2 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: Medium. You can build it, with 2 ETFs40% Stocks60% Fixed Income
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Portfolio Risk: Medium. You can build it, with 2 ETFs40% Stocks60% Fixed Income
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Portfolio Risk: Medium. You can build it, with 2 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: Medium. You can build it, with 3 ETFs59% Fixed Income39% Stocks2% Commodities
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Portfolio Risk: High. You can build it, with 2 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: High. You can build it, with 2 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 2 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 2 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: High. You can build it, with 3 ETFs39% Fixed Income59% Stocks2% Commodities
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Portfolio Risk: Very High. You can build it, with 2 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Very High. You can build it, with 2 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: High. You can build it, with 11 ETFs70% Stocks30% Fixed Income
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Portfolio Risk: High. You can build it, with 7 ETFs60% Stocks40% Fixed Income
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Portfolio Risk: High. You can build it, with 5 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: High. You can build it, with 7 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Low. You can build it, with 1 ETF100% Fixed Income
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Portfolio Risk: High. You can build it, with 5 ETFs20% Commodities40% Stocks40% Fixed Income
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Portfolio Risk: Low. You can build it, with 1 ETF100% Fixed Income
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Very High. You can build it, with 1 ETF100% Stocks
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Portfolio Risk: Very High. You can build it, with 5 ETFs20% Commodities60% Stocks20% Fixed Income
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Portfolio Risk: Medium. You can build it, with 4 ETFs60% Fixed Income40% Stocks
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Portfolio Risk: Very High. You can build it, with 4 ETFs20% Fixed Income80% Stocks
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Portfolio Risk: Low. You can build it, with 4 ETFs80% Fixed Income20% Stocks
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Portfolio Risk: High. You can build it, with 4 ETFs40% Fixed Income60% Stocks
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Portfolio Risk: Very High. You can build it, with 2 ETFs10% Fixed Income90% Stocks