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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
Gyroscopic Investing Desert Portfolio3.69%6.43%1.51%6.72%-10.21%0.520.06%
Stocks/Bonds 20/80 Portfolio2.82%5.76%1.97%4.63%-10.51%1.530.04%
Income Portfolio1.54%4.93%1.71%4.67%-10.79%1.310.09%
Harry Browne Permanent Portfolio1.38%5.98%0.75%6.39%-11.14%0.530.18%
Larry Swedroe Minimize FatTails Portfolio5.52%4.75%1.89%5.91%-13.45%2.200.17%
Ray Dalio All Weather Portfolio5.06%7.77%1.06%6.94%-13.99%1.160.19%
Stocks/Bonds 40/60 Portfolio6.61%8.46%1.79%7.01%-15.64%2.100.04%
Conservative Portfolio5.11%7.20%1.70%7.00%-15.68%1.920.08%
Golden Butterfly Portfolio6.06%8.02%0.77%7.69%-15.83%1.650.20%
Bob Clyatt Sandwich Portfolio8.09%8.12%1.17%8.74%-18.13%2.200.17%
Scott Burns Couch Portfolio11.11%9.73%2.51%8.39%-19.76%2.570.11%
Tim Maurer Simple Money Portfolio8.84%7.96%1.35%9.87%-21.12%2.120.23%
FundAdvice Ultimate Buy & Hold Portfolio8.67%7.41%2.10%9.87%-21.19%2.140.14%
Bill Bernstein Coward's Portfolio10.22%8.42%1.15%10.05%-21.52%2.360.15%
Moderate Portfolio8.74%9.39%1.68%9.98%-21.72%2.170.06%
Stocks/Bonds 60/40 Portfolio10.47%11.10%1.60%10.08%-21.85%2.320.03%
7Twelve Portfolio10.15%6.18%1.35%10.33%-22.46%1.420.15%
Pinwheel Portfolio10.13%7.94%1.58%11.49%-23.65%1.220.09%
Scott Burns Margaritaville Portfolio10.67%9.12%2.49%10.99%-23.92%2.310.10%
Bill Schultheis Coffee House Portfolio10.64%9.36%2.03%10.27%-24.01%2.360.05%
David Swensen Yale Endowment Portfolio12.54%10.37%2.19%10.84%-24.30%2.280.13%
Ray Dalio All Weather Portfolio 2x Leveraged10.96%14.67%0.27%14.28%-24.71%1.140.94%
Aronson Family Taxable Portfolio9.96%10.20%1.97%11.80%-25.12%2.310.19%
Frank Armstrong’s Ideal Index Portfolio10.86%8.49%1.45%11.72%-25.37%2.270.13%
Larry Swedroe Simple Portfolio11.26%8.64%2.56%10.71%-25.44%2.390.20%
David Swensen Lazy Portfolio13.11%9.50%2.14%11.42%-25.66%2.410.11%
Gone Fishin’ Portfolio9.85%8.43%2.07%11.74%-26.04%1.830.13%
Roger Gibson Talmud Portfolio14.48%10.35%2.13%11.43%-26.60%2.340.06%
Simple Path to Wealth Portfolio13.42%13.04%1.46%12.56%-26.82%2.420.03%
FAAMG Portfolio28.86%32.21%0.27%22.71%-27.28%2.010.00%
Dividend-Paying Stocks Portfolio4.68%11.23%2.74%14.70%-27.63%0.750.00%
Mebane Faber Ivy Portfolio16.51%6.78%1.46%11.71%-27.66%2.700.23%
Roger Gibson Five Asset Portfolio17.02%6.71%1.70%11.53%-27.82%2.760.23%
Bill Bernstein No Brainer Portfolio11.33%10.89%1.76%12.83%-27.91%2.330.04%
Bogleheads Three-fund Portfolio12.54%11.46%1.78%13.22%-28.12%2.330.04%
Bogleheads Four-fund Portfolio12.51%10.49%1.72%13.08%-28.24%2.330.04%
Growth Portfolio12.44%11.51%1.67%13.25%-28.25%2.320.05%
Stocks/Bonds 80/20 Portfolio14.41%13.67%1.41%13.42%-28.47%2.450.03%
Nasdaq-100 Portfolio19.44%22.00%0.36%19.36%-28.56%1.990.20%
Rick Ferri Core Four Portfolio13.56%11.54%1.85%13.11%-28.73%2.400.04%
Alpha Architect Robust Portfolio12.61%9.02%1.10%12.39%-28.81%2.350.40%
Cloud Computing Stocks Portfolio20.60%37.94%0.62%25.11%-29.48%1.760.00%
Warren Buffett's 90/10 Portfolio17.23%14.76%1.30%15.01%-30.73%2.430.03%
Tech Stocks Dividend Portfolio17.64%18.29%2.19%20.54%-30.79%1.940.00%
FAANG Portfolio23.47%38.46%0.12%24.56%-30.93%1.720.00%
Second Grader's Starter Portfolio13.60%12.40%1.65%14.97%-31.07%2.320.05%
FANG Portfolio26.66%40.27%0.00%26.42%-32.10%1.760.00%
Stocks/Bonds 40/60 Leveraged Portfolio15.61%31.78%1.54%22.50%-32.14%1.170.66%
S&P 500 Portfolio18.83%16.11%1.26%16.58%-33.72%2.420.09%
FANG Plus Portfolio14.46%33.15%0.07%26.19%-34.13%1.630.00%
Total Stock Market Portfolio18.43%16.17%1.22%16.93%-35.00%2.550.03%
Semiconductor Stocks Portfolio20.74%29.76%1.26%27.45%-35.76%1.600.00%
Paul Merriman Ultimate Portfolio16.06%10.83%2.03%17.00%-38.24%2.380.18%

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