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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
Larry Swedroe Simple Portfolio-7.18%7.46%3.82%10.40%-25.44%-0.410.20%
Scott Burns Couch Portfolio-10.92%8.08%3.74%8.50%-19.76%-0.250.11%
Scott Burns Margaritaville Portfolio-11.61%7.62%3.65%10.78%-23.92%-0.550.10%
Larry Swedroe Minimize FatTails Portfolio-6.47%3.77%2.94%5.72%-13.45%-0.950.17%
David Swensen Yale Endowment Portfolio-14.72%8.23%2.87%10.79%-24.30%-0.500.13%
Aronson Family Taxable Portfolio-13.47%8.18%2.83%11.62%-25.12%-0.770.19%
Gone Fishin’ Portfolio-11.22%6.73%2.81%11.58%-26.03%-0.670.13%
Dividend-Paying Stocks Portfolio-3.37%10.68%2.81%14.59%-27.63%0.050.00%
Paul Merriman Ultimate Portfolio-11.39%9.44%2.77%16.46%-38.24%-0.470.18%
David Swensen Lazy Portfolio-11.77%7.95%2.67%11.17%-25.66%-0.340.11%
FundAdvice Ultimate Buy & Hold Portfolio-8.56%6.29%2.59%9.53%-21.19%-0.640.14%
Tech Stocks Dividend Portfolio-10.53%17.51%2.38%20.63%-30.79%0.220.00%
Roger Gibson Talmud Portfolio-13.53%8.44%2.26%11.33%-26.60%-0.250.06%
Bogleheads Four-fund Portfolio-13.28%8.26%2.25%13.27%-28.24%-0.490.04%
Bill Schultheis Coffee House Portfolio-10.60%7.83%2.24%10.09%-24.01%-0.520.05%
Rick Ferri Core Four Portfolio-13.56%9.71%2.18%12.94%-28.73%-0.430.04%
Bogleheads Three-fund Portfolio-13.39%9.67%2.16%13.04%-28.12%-0.500.04%
Roger Gibson Five Asset Portfolio-4.20%6.18%2.16%11.60%-27.82%0.460.23%
7Twelve Portfolio-5.24%5.44%2.14%9.59%-22.46%-0.050.15%
Second Grader's Starter Portfolio-13.92%10.57%2.12%14.77%-31.07%-0.440.05%
Bill Bernstein No Brainer Portfolio-12.76%9.12%2.11%12.61%-27.91%-0.590.04%
Stocks/Bonds 20/80 Portfolio-11.06%4.13%2.07%4.85%-12.25%-1.400.04%
Pinwheel Portfolio-10.12%6.41%2.05%10.62%-23.65%-0.550.09%
Growth Portfolio-13.65%9.70%2.05%13.06%-28.25%-0.520.05%
Moderate Portfolio-13.00%7.64%2.01%9.87%-21.72%-0.770.06%
Conservative Portfolio-12.36%5.51%1.96%6.99%-15.68%-1.200.08%
Tim Maurer Simple Money Portfolio-9.50%6.60%1.96%9.57%-21.12%-0.870.23%
Income Portfolio-11.75%3.33%1.92%4.80%-13.59%-1.840.09%
Stocks/Bonds 40/60 Portfolio-12.04%6.69%1.92%7.16%-15.64%-0.830.04%
Frank Armstrong’s Ideal Index Portfolio-9.02%7.34%1.90%11.28%-25.37%-0.510.13%
Mebane Faber Ivy Portfolio-3.07%6.47%1.81%11.49%-27.66%0.530.23%
Stocks/Bonds 60/40 Portfolio-13.05%9.19%1.76%10.17%-21.85%-0.480.03%
Simple Path to Wealth Portfolio-13.83%11.03%1.65%12.63%-26.82%-0.330.03%
Bob Clyatt Sandwich Portfolio-11.03%6.59%1.61%8.54%-18.13%-0.860.17%
Stocks/Bonds 80/20 Portfolio-14.09%11.63%1.61%13.47%-28.47%-0.290.03%
Gyroscopic Investing Desert Portfolio-9.11%5.28%1.54%5.13%-10.21%-0.970.06%
Semiconductor Stocks Portfolio-19.05%30.85%1.52%28.92%-37.32%0.340.00%
Warren Buffett's 90/10 Portfolio-12.79%13.14%1.48%15.03%-30.73%0.000.03%
Total Stock Market Portfolio-15.17%14.00%1.45%16.96%-35.00%-0.170.03%
Bill Bernstein Coward's Portfolio-7.86%7.33%1.43%9.72%-21.52%-0.440.15%
S&P 500 Portfolio-13.76%14.33%1.42%16.62%-33.72%0.020.09%
Ray Dalio All Weather Portfolio-12.92%5.84%1.39%7.22%-14.62%-0.560.19%
Alpha Architect Robust Portfolio-7.53%7.96%1.36%12.23%-28.81%-0.060.40%
Golden Butterfly Portfolio-9.72%6.76%1.07%7.58%-15.83%-0.730.20%
Harry Browne Permanent Portfolio-10.42%4.82%0.94%6.41%-11.14%-0.840.18%
Stocks/Bonds 40/60 Leveraged Portfolio-36.38%17.16%0.90%19.22%-38.69%-0.750.65%
Cloud Computing Stocks Portfolio-33.38%25.26%0.64%25.82%-41.70%-0.750.00%
Nasdaq-100 Portfolio-22.95%18.74%0.57%20.02%-28.56%-0.190.20%
FAAMG Portfolio-24.67%25.79%0.34%24.48%-29.82%-0.270.00%
Ray Dalio All Weather Portfolio 2x Leveraged-21.78%11.00%0.21%14.82%-25.37%-0.470.94%
FAANG Portfolio-35.59%24.97%0.12%26.07%-41.38%-0.730.00%
FANG Plus Portfolio-29.47%24.43%0.07%27.56%-37.45%-0.510.00%
FANG Portfolio-40.17%22.81%0.00%27.68%-48.20%-0.920.00%

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%5%10%15%20%25%30%Annualized Return