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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 Minimize FatTails Portfolio4.71%3.14%3.64%6.05%-14.59%-0.510.17%
Gyroscopic Investing Desert Portfolio4.93%4.77%1.60%5.75%-16.15%-0.500.06%
Stocks/Bonds 20/80 Portfolio4.82%3.76%2.50%5.46%-18.52%-0.800.03%
Harry Browne Permanent Portfolio6.28%4.50%1.43%6.98%-19.44%-0.550.18%
Golden Butterfly Portfolio7.73%6.22%1.40%8.22%-19.59%-0.300.20%
Scott Burns Couch Portfolio5.48%6.99%4.16%9.20%-19.76%-0.520.11%
Stocks/Bonds 40/60 Portfolio5.67%5.99%2.26%7.80%-19.79%-0.590.03%
Bob Clyatt Sandwich Portfolio6.19%5.63%1.76%9.06%-20.47%-0.450.17%
Tim Maurer Simple Money Portfolio6.49%5.47%1.96%10.07%-21.12%-0.250.23%
FundAdvice Ultimate Buy & Hold Portfolio6.44%5.18%2.64%9.98%-21.19%-0.250.14%
Income Portfolio5.10%2.80%2.16%5.50%-21.20%-0.860.08%
Bill Bernstein Coward's Portfolio5.77%6.34%1.82%10.12%-21.52%-0.180.15%
Stocks/Bonds 60/40 Portfolio6.52%8.16%2.02%10.86%-21.85%-0.450.03%
Conservative Portfolio6.03%4.69%2.10%7.65%-22.18%-0.620.07%
7Twelve Portfolio6.04%5.19%2.26%9.93%-22.46%-0.130.14%
Moderate Portfolio6.97%6.50%2.04%10.52%-23.53%-0.440.06%
Pinwheel Portfolio7.99%5.97%1.86%11.12%-23.65%-0.240.09%
Scott Burns Margaritaville Portfolio6.88%6.30%3.71%11.33%-23.92%-0.410.10%
Bill Schultheis Coffee House Portfolio6.97%6.78%2.44%10.71%-24.01%-0.280.05%
Ray Dalio All Weather Portfolio7.13%5.22%1.88%8.04%-24.28%-0.800.19%
Aronson Family Taxable Portfolio8.30%6.97%2.87%12.24%-25.12%-0.410.19%
Frank Armstrong’s Ideal Index Portfolio6.74%6.16%2.11%11.69%-25.37%-0.190.12%
Larry Swedroe Simple Portfolio6.71%6.26%4.04%10.90%-25.44%-0.150.20%
David Swensen Lazy Portfolio7.24%6.64%2.89%11.77%-25.66%-0.400.11%
Gone Fishin’ Portfolio7.74%6.29%3.04%12.06%-26.03%-0.240.12%
Roger Gibson Talmud Portfolio7.74%7.24%2.60%12.08%-26.60%-0.480.06%
David Swensen Yale Endowment Portfolio8.45%6.93%3.10%11.58%-26.64%-0.570.13%
Simple Path to Wealth Portfolio7.16%9.74%1.84%13.36%-26.82%-0.380.03%
Dividend-Paying Stocks Portfolio-3.04%9.03%3.17%15.05%-27.63%-0.040.00%
Mebane Faber Ivy Portfolio6.10%4.86%1.96%12.05%-27.66%-0.230.22%
Roger Gibson Five Asset Portfolio6.27%5.54%2.17%12.01%-27.82%-0.220.22%
Bill Bernstein No Brainer Portfolio8.32%7.84%2.10%13.24%-27.91%-0.230.04%
Bogleheads Three-fund Portfolio7.91%8.25%2.11%13.66%-28.12%-0.310.04%
Bogleheads Four-fund Portfolio7.84%8.02%2.05%13.76%-28.24%-0.310.04%
Growth Portfolio7.91%8.24%1.98%13.71%-28.25%-0.330.05%
Stocks/Bonds 80/20 Portfolio7.37%10.26%1.78%14.22%-28.47%-0.360.03%
Rick Ferri Core Four Portfolio8.03%8.28%2.20%13.60%-28.73%-0.330.04%
Alpha Architect Robust Portfolio6.35%6.53%1.68%12.81%-28.81%-0.110.40%
Warren Buffett's 90/10 Portfolio6.86%11.59%1.58%15.77%-30.73%-0.310.03%
Tech Stocks Dividend Portfolio9.50%16.55%2.90%21.37%-30.79%-0.370.00%
Second Grader's Starter Portfolio8.26%9.01%2.05%15.39%-31.07%-0.310.04%
S&P 500 Portfolio7.42%12.60%1.54%17.43%-33.72%-0.300.09%
Total Stock Market Portfolio8.23%12.27%1.54%17.79%-35.00%-0.290.03%
Nasdaq-100 Portfolio13.01%17.20%0.71%21.18%-35.12%-0.520.20%
Paul Merriman Ultimate Portfolio9.49%7.61%2.75%16.96%-38.24%-0.190.16%
Ray Dalio All Weather Portfolio 2x Leveraged13.79%9.39%0.40%16.50%-41.12%-0.800.94%
Semiconductor Stocks Portfolio22.38%29.25%1.84%29.95%-43.28%-0.270.00%
FANG Plus Portfolio25.05%24.24%0.07%28.62%-44.19%-0.270.00%
Cloud Computing Stocks Portfolio18.11%24.50%0.65%27.00%-44.98%-0.430.00%
FAAMG Portfolio16.80%22.06%0.33%25.77%-46.78%-0.710.00%
FAANG Portfolio20.26%23.41%0.13%27.40%-48.98%-0.580.00%
Crypto Portfolio20.36%53.57%1.39%37.55%-54.86%0.080.02%
Stocks/Bonds 40/60 Leveraged Portfolio17.47%14.33%1.51%21.42%-55.26%-0.970.65%
FANG Portfolio22.38%21.66%29.15%-55.92%-0.580.00%

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).

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