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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 Portfolio4.66%5.04%2.29%9.94%-22.46%-0.210.14%
Alpha Architect Robust Portfolio5.02%6.44%1.71%12.82%-28.81%-0.200.40%
Aronson Family Taxable Portfolio6.83%6.85%2.91%12.25%-25.12%-0.440.19%
Bill Bernstein Coward's Portfolio4.97%6.30%1.84%10.13%-21.52%-0.220.15%
Bill Bernstein No Brainer Portfolio7.10%7.77%2.12%13.25%-27.91%-0.260.04%
Bill Schultheis Coffee House Portfolio5.85%6.68%2.47%10.72%-24.01%-0.340.05%
Bob Clyatt Sandwich Portfolio4.90%5.54%1.78%9.07%-20.47%-0.510.17%
Bogleheads Four-fund Portfolio6.73%7.90%2.08%13.76%-28.24%-0.340.04%
Bogleheads Three-fund Portfolio6.72%8.20%2.14%13.67%-28.12%-0.340.04%
Cloud Computing Stocks Portfolio18.47%24.51%0.64%27.03%-44.98%-0.340.00%
Conservative Portfolio4.53%4.57%2.13%7.66%-22.18%-0.700.07%
Crypto Portfolio18.06%53.17%1.41%37.52%-54.86%-0.090.02%
David Swensen Lazy Portfolio6.17%6.59%2.93%11.78%-25.66%-0.430.11%
David Swensen Yale Endowment Portfolio7.13%6.84%3.14%11.59%-26.64%-0.600.13%
Dividend-Paying Stocks Portfolio-4.89%8.79%3.22%15.05%-27.63%-0.210.00%
FAAMG Portfolio23.02%22.75%0.32%25.96%-46.78%-0.480.00%
FAANG Portfolio26.27%24.06%0.12%27.55%-48.98%-0.360.00%
FANG Plus Portfolio27.63%24.51%0.07%28.66%-44.19%-0.110.00%
FANG Portfolio28.69%22.32%29.34%-55.92%-0.360.00%
Frank Armstrong’s Ideal Index Portfolio5.64%6.13%2.14%11.70%-25.37%-0.240.12%
FundAdvice Ultimate Buy & Hold Portfolio4.90%5.10%2.69%9.99%-21.19%-0.350.14%
Golden Butterfly Portfolio6.21%6.05%1.42%8.23%-19.59%-0.370.20%
Gone Fishin’ Portfolio6.28%6.21%3.08%12.07%-26.03%-0.290.12%
Growth Portfolio6.70%8.20%2.01%13.72%-28.25%-0.360.05%
Gyroscopic Investing Desert Portfolio3.41%4.61%1.62%5.76%-16.15%-0.600.06%
Harry Browne Permanent Portfolio4.32%4.28%1.45%6.99%-19.44%-0.670.18%
Income Portfolio3.45%2.65%2.19%5.52%-21.20%-0.970.08%
Larry Swedroe Minimize FatTails Portfolio3.47%3.04%3.70%6.06%-14.59%-0.570.17%
Larry Swedroe Simple Portfolio5.40%6.16%4.10%10.91%-25.44%-0.210.20%
Mebane Faber Ivy Portfolio4.45%4.75%1.99%12.06%-27.66%-0.320.22%
Moderate Portfolio5.61%6.42%2.07%10.53%-23.53%-0.500.06%
Nasdaq-100 Portfolio14.01%17.37%0.70%21.21%-35.12%-0.420.20%
Paul Merriman Ultimate Portfolio7.95%7.56%2.80%16.97%-38.24%-0.250.16%
Pinwheel Portfolio6.47%5.88%1.88%11.14%-23.65%-0.310.09%
Ray Dalio All Weather Portfolio5.23%4.99%1.91%8.06%-24.28%-0.880.19%
Ray Dalio All Weather Portfolio 2x Leveraged9.70%8.92%0.41%16.53%-41.12%-0.890.94%
Rick Ferri Core Four Portfolio6.96%8.24%2.23%13.61%-28.73%-0.360.04%
Roger Gibson Five Asset Portfolio4.76%5.38%2.20%12.01%-27.82%-0.300.22%
Roger Gibson Talmud Portfolio6.99%7.18%2.62%12.10%-26.60%-0.490.06%
S&P 500 Portfolio7.16%12.60%1.54%17.43%-33.72%-0.280.09%
Scott Burns Couch Portfolio4.55%6.89%4.21%9.21%-19.76%-0.510.11%
Scott Burns Margaritaville Portfolio5.38%6.21%3.77%11.34%-23.92%-0.450.10%
Second Grader's Starter Portfolio7.10%8.97%2.08%15.39%-31.07%-0.330.04%
Semiconductor Stocks Portfolio20.65%29.35%2.00%29.96%-43.28%-0.280.00%
Simple Path to Wealth Portfolio6.53%9.68%1.85%13.37%-26.82%-0.370.03%
Stocks/Bonds 20/80 Portfolio3.56%3.60%2.53%5.48%-18.52%-0.870.03%
Stocks/Bonds 40/60 Leveraged Portfolio14.67%14.00%1.55%21.46%-55.26%-0.990.65%
Stocks/Bonds 40/60 Portfolio4.63%5.87%2.29%7.82%-19.79%-0.620.03%
Stocks/Bonds 60/40 Portfolio5.71%8.08%2.04%10.87%-21.85%-0.450.03%
Stocks/Bonds 80/20 Portfolio6.80%10.21%1.79%14.23%-28.47%-0.340.03%
Tech Stocks Dividend Portfolio9.18%16.58%3.05%21.38%-30.79%-0.380.00%
Tim Maurer Simple Money Portfolio5.03%5.38%1.99%10.08%-21.12%-0.340.23%
Total Stock Market Portfolio7.89%12.26%1.54%17.79%-35.00%-0.270.03%
Warren Buffett's 90/10 Portfolio6.55%11.57%1.59%15.78%-30.73%-0.290.03%

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).

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