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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 Portfolio8.23%6.15%1.25%9.62%-22.46%2.620.15%
Alpha Architect Robust Portfolio7.97%7.95%1.11%12.94%-28.81%2.370.40%
Aronson Family Taxable Portfolio7.49%9.46%1.64%12.23%-25.12%2.580.19%
Bill Bernstein Coward's Portfolio8.72%7.61%1.18%10.49%-21.52%2.530.15%
Bill Bernstein No Brainer Portfolio8.04%9.68%1.70%13.38%-27.91%2.450.04%
Bill Schultheis Coffee House Portfolio8.04%8.54%2.05%10.66%-24.01%2.390.05%
Bob Clyatt Sandwich Portfolio5.84%7.43%1.20%9.13%-18.13%2.370.17%
Bogleheads Four-fund Portfolio8.38%10.32%1.66%13.22%-28.24%2.420.04%
Bogleheads Three-fund Portfolio8.40%10.15%1.72%13.81%-28.12%2.410.04%
Cloud Computing Stocks Portfolio11.19%37.92%0.60%25.52%-29.48%1.500.00%
Conservative Portfolio2.79%6.68%1.71%7.23%-15.68%2.100.08%
David Swensen Lazy Portfolio9.38%8.50%1.87%11.93%-25.66%2.410.11%
David Swensen Yale Endowment Portfolio8.43%9.66%1.91%11.25%-24.30%2.270.13%
Dividend-Paying Stocks Portfolio3.89%10.91%2.70%15.05%-27.63%1.480.00%
FAAMG Portfolio17.09%31.84%0.30%22.90%-27.28%1.740.00%
FAANG Portfolio11.98%38.21%0.13%24.79%-30.93%1.480.00%
FANG Plus Portfolio7.71%33.36%0.07%26.51%-34.13%2.180.00%
FANG Portfolio15.35%40.13%0.00%26.68%-32.10%1.370.00%
Frank Armstrong’s Ideal Index Portfolio9.51%7.44%1.39%12.27%-25.37%2.520.13%
FundAdvice Ultimate Buy & Hold Portfolio7.14%6.58%1.95%10.30%-21.19%2.360.14%
Golden Butterfly Portfolio4.91%8.26%0.82%7.78%-15.83%2.090.20%
Gone Fishin’ Portfolio7.94%8.47%1.92%11.60%-26.04%2.550.13%
Growth Portfolio8.26%10.20%1.62%13.84%-28.25%2.410.05%
Gyroscopic Investing Desert Portfolio1.59%6.46%1.59%5.17%-8.85%1.660.06%
Harry Browne Permanent Portfolio-0.65%6.49%0.81%6.49%-11.14%0.980.18%
Income Portfolio0.09%4.78%1.75%4.74%-10.79%1.640.09%
Larry Swedroe Minimize FatTails Portfolio5.28%4.55%1.22%6.03%-13.45%2.760.17%
Larry Swedroe Simple Portfolio9.68%7.89%1.79%11.04%-25.44%2.660.20%
Mebane Faber Ivy Portfolio12.63%5.89%1.44%12.17%-27.66%2.690.23%
Moderate Portfolio5.52%8.49%1.66%10.39%-21.72%2.290.06%
Nasdaq-100 Portfolio9.35%21.26%0.40%19.95%-28.56%1.800.20%
Paul Merriman Ultimate Portfolio14.03%9.26%1.94%17.73%-38.24%2.730.18%
Pinwheel Portfolio8.64%8.01%1.64%10.64%-23.65%2.400.09%
Ray Dalio All Weather Portfolio1.64%8.26%1.11%7.07%-13.99%1.300.19%
Ray Dalio All Weather Portfolio 2x Leveraged5.35%15.76%0.26%14.56%-24.71%1.000.94%
Rick Ferri Core Four Portfolio9.21%10.28%1.82%13.71%-28.73%2.410.04%
Roger Gibson Five Asset Portfolio13.05%6.46%1.68%11.62%-27.82%2.850.23%
Roger Gibson Talmud Portfolio10.06%9.52%2.24%11.87%-26.60%2.100.06%
S&P 500 Portfolio11.34%14.57%1.34%17.24%-33.72%2.260.09%
Scott Burns Couch Portfolio6.24%9.16%1.59%8.60%-19.76%2.490.11%
Scott Burns Margaritaville Portfolio7.19%8.18%1.74%11.37%-23.92%2.520.10%
Second Grader's Starter Portfolio9.49%10.98%1.58%15.63%-31.07%2.460.05%
Semiconductor Stocks Portfolio9.57%27.87%1.34%28.09%-35.76%1.680.00%
Simple Path to Wealth Portfolio8.32%11.99%1.54%13.03%-26.82%2.340.03%
Stocks/Bonds 20/80 Portfolio0.91%5.69%2.06%4.68%-10.51%1.580.04%
Stocks/Bonds 40/60 Leveraged Portfolio1.40%32.55%1.61%22.81%-32.14%0.950.66%
Stocks/Bonds 40/60 Portfolio3.59%8.05%1.87%7.19%-15.64%2.050.04%
Stocks/Bonds 60/40 Portfolio6.29%10.33%1.68%10.41%-21.85%2.240.03%
Stocks/Bonds 80/20 Portfolio9.00%12.53%1.49%13.93%-28.47%2.370.03%
Tech Stocks Dividend Portfolio11.90%17.30%2.18%21.11%-30.79%1.990.00%
Tim Maurer Simple Money Portfolio6.95%7.06%1.40%10.32%-21.12%2.300.23%
Total Stock Market Portfolio11.73%14.62%1.30%17.63%-35.00%2.480.03%
Warren Buffett's 90/10 Portfolio10.54%13.42%1.41%15.57%-30.73%2.270.03%

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
5 Years