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Lazy Portfolios

A lazy portfolio is a set-and-forget collection of investments that require little or no maintenance. Most portfolios consist of a small number of low-cost funds that are easy to implement and rebalance. Lazy portfolios are designed to perform well in most market conditions, making them the perfect choice for long-term investors.

Here you can find a list of the most popular lazy portfolios implemented with ETFs.

Lazy Portfolios


Portfolio NameYTD Return10Y ReturnDiv. Yield10Y VolatilityMax. DrawdownSharpe RatioExpense Ratio
7Twelve Portfolio11.01%6.13%1.46%10.27%-22.46%1.050.15%
Alpha Architect Robust Portfolio13.51%9.26%1.16%12.02%-28.81%1.680.40%
Aronson Family Taxable Portfolio9.77%10.16%2.03%11.44%-25.12%1.430.19%
Bill Bernstein Coward's Portfolio10.97%8.54%1.17%9.67%-21.52%1.720.15%
Bill Bernstein No Brainer Portfolio11.35%10.96%1.77%12.41%-27.91%1.560.04%
Bill Schultheis Coffee House Portfolio11.46%9.49%2.03%9.94%-24.01%1.800.05%
Bob Clyatt Sandwich Portfolio7.43%8.16%1.19%8.43%-18.13%1.460.17%
Bogleheads Four-fund Portfolio12.89%10.29%1.73%13.02%-28.24%1.720.04%
Bogleheads Three-fund Portfolio12.88%11.60%1.79%12.81%-28.12%1.720.04%
Cloud Computing Stocks Portfolio24.27%37.26%0.67%24.93%-29.48%1.660.00%
Conservative Portfolio4.67%7.25%1.70%6.82%-15.68%1.250.08%
David Swensen Lazy Portfolio13.94%9.70%2.12%11.00%-25.66%2.020.11%
David Swensen Yale Endowment Portfolio13.63%10.47%2.18%10.53%-24.30%1.950.13%
Dividend-Paying Stocks Portfolio4.26%11.12%2.83%14.42%-27.63%0.480.00%
FAAMG Portfolio31.68%31.76%0.25%22.64%-27.28%1.870.00%
FAANG Portfolio26.84%37.93%0.11%24.45%-30.93%1.630.00%
FANG Plus Portfolio20.60%33.08%0.06%26.06%-34.13%1.450.00%
FANG Portfolio28.59%39.53%0.00%26.29%-32.10%1.520.00%
Frank Armstrong’s Ideal Index Portfolio10.79%8.59%1.50%11.25%-25.37%1.530.13%
FundAdvice Ultimate Buy & Hold Portfolio8.03%7.43%2.10%9.49%-21.19%1.380.14%
Golden Butterfly Portfolio8.35%8.17%0.80%7.50%-15.83%1.450.20%
Gone Fishin’ Portfolio9.42%8.20%2.24%11.68%-26.04%1.160.13%
Growth Portfolio12.85%11.68%1.68%12.82%-28.25%1.710.05%
Gyroscopic Investing Desert Portfolio4.34%6.55%1.49%6.64%-10.21%0.430.06%
Harry Browne Permanent Portfolio2.93%6.09%0.73%6.31%-11.14%0.810.18%
Income Portfolio0.69%4.93%1.70%4.62%-10.79%0.570.09%
Larry Swedroe Minimize FatTails Portfolio6.03%4.75%1.86%5.70%-13.45%1.460.17%
Larry Swedroe Simple Portfolio12.42%8.68%2.55%10.35%-25.44%1.690.20%
Mebane Faber Ivy Portfolio17.07%6.96%1.50%11.32%-27.66%2.230.23%
Moderate Portfolio8.72%9.50%1.69%9.68%-21.72%1.550.06%
Nasdaq-100 Portfolio25.13%22.99%0.45%19.08%-28.56%1.920.20%
Paul Merriman Ultimate Portfolio15.16%11.02%2.21%16.41%-38.24%1.540.18%
Pinwheel Portfolio10.68%7.82%1.54%11.42%-23.65%0.860.09%
Ray Dalio All Weather Portfolio6.91%7.75%1.06%6.93%-13.99%1.200.19%
Ray Dalio All Weather Portfolio 2x Leveraged16.24%14.73%0.24%14.24%-24.71%1.230.94%
Rick Ferri Core Four Portfolio14.31%11.73%1.85%12.69%-28.73%1.870.04%
Roger Gibson Five Asset Portfolio17.93%6.64%1.72%11.49%-27.82%2.330.23%
Roger Gibson Talmud Portfolio16.32%10.65%2.12%11.08%-26.60%2.210.06%
S&P 500 Portfolio23.96%16.66%1.23%16.16%-33.72%2.350.09%
Scott Burns Couch Portfolio13.76%9.91%2.42%8.21%-19.76%2.390.11%
Scott Burns Margaritaville Portfolio10.98%9.23%2.48%10.63%-23.92%1.710.10%
Second Grader's Starter Portfolio14.45%12.63%1.68%14.50%-31.07%1.690.05%
Semiconductor Stocks Portfolio34.38%34.18%1.27%28.10%-37.31%1.620.00%
Simple Path to Wealth Portfolio16.09%13.34%1.44%12.25%-26.82%2.060.03%
Stocks/Bonds 20/80 Portfolio2.86%5.74%1.95%4.63%-10.51%1.040.04%
Stocks/Bonds 40/60 Leveraged Portfolio24.72%24.43%1.55%18.30%-32.28%1.610.65%
Stocks/Bonds 40/60 Portfolio7.57%8.55%1.77%6.90%-15.64%1.710.04%
Stocks/Bonds 60/40 Portfolio12.39%11.31%1.58%9.85%-21.85%1.960.03%
Stocks/Bonds 80/20 Portfolio17.34%14.01%1.40%13.07%-28.47%2.090.03%
Tech Stocks Dividend Portfolio24.49%18.51%2.21%20.19%-30.79%1.990.00%
Tim Maurer Simple Money Portfolio7.18%7.89%1.39%9.53%-21.12%1.220.23%
Total Stock Market Portfolio22.41%16.64%1.21%16.48%-35.00%2.180.03%
Warren Buffett's 90/10 Portfolio21.42%15.22%1.25%14.63%-30.73%2.340.03%

Risk vs. Return Scatterplot

The Risk vs. Return Scatterplot allows you to easily compare all lazy portfolios in one view using annualized return and standard deviation for the specified period. When comparing several portfolios, preference is typically given to the one that has a higher return and lower volatility (indicated on the chart in green).

0%5%10%15%20%25%30%35%Annualized Volatility0%10%20%30%40%Annualized Return