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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 Portfolio10.15%6.18%1.35%10.33%-22.46%1.420.15%
Alpha Architect Robust Portfolio12.61%9.02%1.10%12.39%-28.81%2.350.40%
Aronson Family Taxable Portfolio9.96%10.20%1.97%11.80%-25.12%2.310.19%
Bill Bernstein Coward's Portfolio10.22%8.42%1.15%10.05%-21.52%2.360.15%
Bill Bernstein No Brainer Portfolio11.33%10.89%1.76%12.83%-27.91%2.330.04%
Bill Schultheis Coffee House Portfolio10.64%9.36%2.03%10.27%-24.01%2.360.05%
Bob Clyatt Sandwich Portfolio8.09%8.12%1.17%8.74%-18.13%2.200.17%
Bogleheads Four-fund Portfolio12.51%10.49%1.72%13.08%-28.24%2.330.04%
Bogleheads Three-fund Portfolio12.54%11.46%1.78%13.22%-28.12%2.330.04%
Cloud Computing Stocks Portfolio20.60%37.94%0.62%25.11%-29.48%1.760.00%
Conservative Portfolio5.11%7.20%1.70%7.00%-15.68%1.920.08%
David Swensen Lazy Portfolio13.11%9.50%2.14%11.42%-25.66%2.410.11%
David Swensen Yale Endowment Portfolio12.54%10.37%2.19%10.84%-24.30%2.280.13%
Dividend-Paying Stocks Portfolio4.68%11.23%2.74%14.70%-27.63%0.750.00%
FAAMG Portfolio28.86%32.21%0.27%22.71%-27.28%2.010.00%
FAANG Portfolio23.47%38.46%0.12%24.56%-30.93%1.720.00%
FANG Plus Portfolio14.46%33.15%0.07%26.19%-34.13%1.630.00%
FANG Portfolio26.66%40.27%0.00%26.42%-32.10%1.760.00%
Frank Armstrong’s Ideal Index Portfolio10.86%8.49%1.45%11.72%-25.37%2.270.13%
FundAdvice Ultimate Buy & Hold Portfolio8.67%7.41%2.10%9.87%-21.19%2.140.14%
Golden Butterfly Portfolio6.06%8.02%0.77%7.69%-15.83%1.650.20%
Gone Fishin’ Portfolio9.85%8.43%2.07%11.74%-26.04%1.830.13%
Growth Portfolio12.44%11.51%1.67%13.25%-28.25%2.320.05%
Gyroscopic Investing Desert Portfolio3.69%6.43%1.51%6.72%-10.21%0.520.06%
Harry Browne Permanent Portfolio1.38%5.98%0.75%6.39%-11.14%0.530.18%
Income Portfolio1.54%4.93%1.71%4.67%-10.79%1.310.09%
Larry Swedroe Minimize FatTails Portfolio5.52%4.75%1.89%5.91%-13.45%2.200.17%
Larry Swedroe Simple Portfolio11.26%8.64%2.56%10.71%-25.44%2.390.20%
Mebane Faber Ivy Portfolio16.51%6.78%1.46%11.71%-27.66%2.700.23%
Moderate Portfolio8.74%9.39%1.68%9.98%-21.72%2.170.06%
Nasdaq-100 Portfolio19.44%22.00%0.36%19.36%-28.56%1.990.20%
Paul Merriman Ultimate Portfolio16.06%10.83%2.03%17.00%-38.24%2.380.18%
Pinwheel Portfolio10.13%7.94%1.58%11.49%-23.65%1.220.09%
Ray Dalio All Weather Portfolio5.06%7.77%1.06%6.94%-13.99%1.160.19%
Ray Dalio All Weather Portfolio 2x Leveraged10.96%14.67%0.27%14.28%-24.71%1.140.94%
Rick Ferri Core Four Portfolio13.56%11.54%1.85%13.11%-28.73%2.400.04%
Roger Gibson Five Asset Portfolio17.02%6.71%1.70%11.53%-27.82%2.760.23%
Roger Gibson Talmud Portfolio14.48%10.35%2.13%11.43%-26.60%2.340.06%
S&P 500 Portfolio18.83%16.11%1.26%16.58%-33.72%2.420.09%
Scott Burns Couch Portfolio11.11%9.73%2.51%8.39%-19.76%2.570.11%
Scott Burns Margaritaville Portfolio10.67%9.12%2.49%10.99%-23.92%2.310.10%
Second Grader's Starter Portfolio13.60%12.40%1.65%14.97%-31.07%2.320.05%
Semiconductor Stocks Portfolio20.74%29.76%1.26%27.45%-35.76%1.600.00%
Simple Path to Wealth Portfolio13.42%13.04%1.46%12.56%-26.82%2.420.03%
Stocks/Bonds 20/80 Portfolio2.82%5.76%1.97%4.63%-10.51%1.530.04%
Stocks/Bonds 40/60 Leveraged Portfolio15.61%31.78%1.54%22.50%-32.14%1.170.66%
Stocks/Bonds 40/60 Portfolio6.61%8.46%1.79%7.01%-15.64%2.100.04%
Stocks/Bonds 60/40 Portfolio10.47%11.10%1.60%10.08%-21.85%2.320.03%
Stocks/Bonds 80/20 Portfolio14.41%13.67%1.41%13.42%-28.47%2.450.03%
Tech Stocks Dividend Portfolio17.64%18.29%2.19%20.54%-30.79%1.940.00%
Tim Maurer Simple Money Portfolio8.84%7.96%1.35%9.87%-21.12%2.120.23%
Total Stock Market Portfolio18.43%16.17%1.22%16.93%-35.00%2.550.03%
Warren Buffett's 90/10 Portfolio17.23%14.76%1.30%15.01%-30.73%2.430.03%

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