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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 Ratio
7Twelve Portfolio5.80%6.01%1.29%9.67%-22.46%3.09
Alpha Architect Robust Portfolio6.15%7.69%1.10%12.99%-28.81%3.14
Aronson Family Taxable Portfolio5.86%9.27%1.56%12.25%-25.12%3.37
Bill Bernstein Coward's Portfolio7.49%7.42%1.26%10.51%-21.52%3.06
Bill Bernstein No Brainer Portfolio6.19%9.41%1.75%13.43%-27.91%3.41
Bill Schultheis Coffee House Portfolio5.80%8.40%2.13%10.68%-24.01%2.95
Bob Clyatt Sandwich Portfolio4.48%7.38%1.23%9.14%-18.13%3.13
Bogleheads Four-fund Portfolio5.95%10.29%1.72%13.30%-28.24%3.34
Bogleheads Three-fund Portfolio5.89%9.80%1.78%13.86%-28.12%3.33
Cloud Computing Stocks Portfolio3.46%37.79%0.64%25.75%-29.48%3.10
Conservative Portfolio1.10%6.61%1.78%7.24%-15.68%3.00
David Swensen Lazy Portfolio6.02%8.21%1.86%11.97%-25.66%2.94
David Swensen Yale Endowment Portfolio4.18%9.39%1.89%11.27%-24.30%2.77
Dividend-Paying Stocks Portfolio3.71%11.20%2.68%15.05%-27.63%2.12
FAAMG Portfolio8.98%31.62%0.30%23.00%-27.28%3.07
FAANG Portfolio6.74%38.50%0.13%24.92%-30.93%2.89
FANG Plus Portfolio6.50%34.35%0.07%26.68%-34.13%4.23
FANG Portfolio9.60%40.43%0.00%26.84%-32.10%2.64
Frank Armstrong’s Ideal Index Portfolio7.79%7.18%1.47%12.32%-25.37%3.06
FundAdvice Ultimate Buy & Hold Portfolio5.39%6.42%1.87%10.34%-21.19%2.91
Golden Butterfly Portfolio2.89%8.27%0.88%7.75%-15.83%2.71
Gone Fishin’ Portfolio6.20%8.47%1.98%11.66%-26.04%3.31
Growth Portfolio5.85%9.86%1.67%13.89%-28.25%3.35
Gyroscopic Investing Desert Portfolio0.33%6.61%1.66%5.15%-8.85%2.53
Harry Browne Permanent Portfolio-2.91%6.60%0.88%6.46%-11.14%1.57
Income Portfolio-1.26%4.85%1.84%4.73%-10.79%2.63
Larry Swedroe Minimize FatTails Portfolio4.10%4.45%1.03%6.02%-13.45%3.11
Larry Swedroe Simple Portfolio8.13%7.69%1.42%11.06%-25.44%3.14
Mebane Faber Ivy Portfolio7.01%5.22%1.53%12.25%-27.66%2.75
Moderate Portfolio3.47%8.29%1.73%10.42%-21.72%3.18
Nasdaq-100 Portfolio5.58%20.56%0.42%19.94%-28.56%3.18
Paul Merriman Ultimate Portfolio11.62%8.80%1.91%17.80%-38.24%3.48
Pinwheel Portfolio6.03%7.90%1.61%10.68%-23.65%2.98
Ray Dalio All Weather Portfolio-2.57%8.17%1.18%7.03%-13.99%1.61
Ray Dalio All Weather Portfolio 2x Leveraged-2.25%15.72%0.29%14.50%-24.71%1.40
Rick Ferri Core Four Portfolio6.24%9.95%1.90%13.75%-28.73%3.22
Roger Gibson Five Asset Portfolio7.58%5.97%1.77%11.70%-27.82%3.10
Roger Gibson Talmud Portfolio5.82%9.33%2.37%11.89%-26.60%2.55
S&P 500 Portfolio8.98%14.14%1.37%17.27%-33.72%3.28
Scott Burns Couch Portfolio3.72%8.96%1.26%8.59%-19.76%3.19
Scott Burns Margaritaville Portfolio4.62%7.85%1.54%11.40%-23.92%3.31
Second Grader's Starter Portfolio7.01%10.54%1.63%15.69%-31.07%3.43
Semiconductor Stocks Portfolio9.88%27.28%1.28%28.07%-35.76%3.09
Simple Path to Wealth Portfolio6.06%11.69%1.59%13.04%-26.82%3.29
Stocks/Bonds 20/80 Portfolio-0.70%5.76%2.16%4.66%-10.51%2.46
Stocks/Bonds 40/60 Leveraged Portfolio-7.53%32.00%1.83%22.61%-32.14%1.89
Stocks/Bonds 40/60 Portfolio1.74%7.99%1.95%7.18%-15.64%2.90
Stocks/Bonds 60/40 Portfolio4.20%10.14%1.75%10.42%-21.85%3.13
Stocks/Bonds 80/20 Portfolio6.68%12.20%1.54%13.94%-28.47%3.34
Tech Stocks Dividend Portfolio14.93%17.17%1.97%21.09%-30.79%3.30
Tim Maurer Simple Money Portfolio6.18%7.02%1.31%10.34%-21.12%3.07
Total Stock Market Portfolio9.18%14.15%1.34%17.66%-35.00%3.55
Warren Buffett's 90/10 Portfolio8.02%13.01%1.46%15.59%-30.73%3.20

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
5 Years