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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
Stocks/Bonds 20/80 Portfolio-18.11%4.25%2.36%6.97%-18.54%-1.440.03%
Gyroscopic Investing Desert Portfolio-18.37%5.15%1.85%8.31%-18.65%-1.160.06%
Larry Swedroe Minimize FatTails Portfolio-13.89%2.96%3.85%7.79%-19.55%-1.210.17%
Income Portfolio-19.09%3.07%2.20%6.44%-19.76%-1.730.08%
Harry Browne Permanent Portfolio-20.16%4.11%1.26%7.87%-20.46%-1.410.18%
Conservative Portfolio-20.98%5.20%2.34%9.67%-21.51%-1.300.07%
Golden Butterfly Portfolio-19.70%5.37%1.38%10.01%-22.11%-1.150.20%
Stocks/Bonds 40/60 Portfolio-20.31%6.68%2.29%10.45%-22.41%-1.090.03%
Ray Dalio All Weather Portfolio-22.52%4.84%1.76%8.37%-22.96%-1.470.19%
Bob Clyatt Sandwich Portfolio-21.27%5.87%2.17%11.39%-25.34%-1.190.17%
Scott Burns Couch Portfolio-20.49%7.57%4.97%11.87%-25.48%-0.960.11%
7Twelve Portfolio-17.96%4.17%2.57%11.15%-25.70%-1.070.14%
Dividend-Paying Stocks Portfolio-13.39%7.99%3.23%14.78%-26.80%-0.470.00%
Tim Maurer Simple Money Portfolio-19.79%5.10%2.69%11.78%-26.85%-1.240.23%
Scott Burns Margaritaville Portfolio-21.39%6.32%4.68%12.52%-26.91%-1.120.10%
Moderate Portfolio-22.20%6.96%2.49%12.51%-26.96%-1.110.06%
FundAdvice Ultimate Buy & Hold Portfolio-18.72%5.08%3.45%11.82%-27.38%-1.090.14%
David Swensen Yale Endowment Portfolio-24.14%6.56%3.81%12.49%-27.67%-1.180.13%
Aronson Family Taxable Portfolio-22.50%6.71%3.50%13.24%-27.89%-1.160.19%
Stocks/Bonds 60/40 Portfolio-21.63%8.59%2.22%13.26%-27.93%-0.960.03%
Pinwheel Portfolio-20.83%5.30%2.55%12.59%-28.78%-1.120.09%
Tech Stocks Dividend Portfolio-21.84%16.19%3.05%21.73%-29.19%-0.460.00%
Bill Bernstein Coward's Portfolio-18.54%6.73%1.98%12.94%-29.38%-0.920.15%
Gone Fishin’ Portfolio-21.22%5.75%3.35%13.34%-29.77%-1.150.12%
Roger Gibson Five Asset Portfolio-19.86%4.66%2.74%12.88%-30.10%-1.030.22%
Bill Schultheis Coffee House Portfolio-19.49%6.73%2.80%12.77%-30.12%-0.980.05%
Larry Swedroe Simple Portfolio-16.82%6.03%5.14%12.80%-30.20%-0.910.20%
Bogleheads Four-fund Portfolio-22.78%7.20%2.84%14.56%-30.27%-1.060.04%
Mebane Faber Ivy Portfolio-21.96%5.19%2.41%13.13%-30.71%-1.070.22%
Simple Path to Wealth Portfolio-22.32%9.79%2.17%14.99%-31.05%-0.900.03%
Bogleheads Three-fund Portfolio-22.88%8.34%2.74%14.78%-31.08%-1.010.04%
David Swensen Lazy Portfolio-22.71%6.78%3.61%13.66%-31.24%-1.050.11%
Growth Portfolio-23.05%8.45%2.63%14.91%-31.35%-1.010.05%
Frank Armstrong’s Ideal Index Portfolio-19.92%6.16%2.46%13.78%-31.49%-1.010.12%
Rick Ferri Core Four Portfolio-23.16%8.27%2.82%14.72%-31.88%-1.010.04%
Stocks/Bonds 80/20 Portfolio-22.51%10.16%2.15%15.52%-31.95%-0.880.03%
Roger Gibson Talmud Portfolio-23.39%7.21%3.01%13.90%-32.02%-1.020.06%
Bill Bernstein No Brainer Portfolio-21.96%7.78%2.54%14.83%-32.16%-1.010.04%
Alpha Architect Robust Portfolio-22.87%6.64%1.98%14.80%-32.65%-1.080.40%
Nasdaq-100 Portfolio-30.41%15.86%0.72%20.62%-32.65%-0.880.20%
Warren Buffett's 90/10 Portfolio-21.25%11.31%1.66%16.47%-32.83%-0.730.03%
Second Grader's Starter Portfolio-23.03%9.11%2.68%15.98%-32.89%-0.950.04%
S&P 500 Portfolio-21.63%11.81%1.68%17.02%-33.72%-0.720.09%
FAAMG Portfolio-29.22%22.93%0.33%25.03%-34.22%-0.760.00%
Total Stock Market Portfolio-23.14%11.47%2.08%17.38%-35.00%-0.840.03%
Paul Merriman Ultimate Portfolio-21.93%7.26%3.63%16.87%-38.57%-1.010.16%
Ray Dalio All Weather Portfolio 2x Leveraged-42.16%8.12%0.30%18.75%-42.82%-1.100.94%
Semiconductor Stocks Portfolio-41.92%25.55%2.02%30.65%-43.72%-0.680.00%
FAANG Portfolio-38.50%21.73%0.12%27.29%-47.18%-1.000.00%
FANG Plus Portfolio-45.10%27.04%0.07%32.12%-49.74%-0.690.00%
FANG Portfolio-45.97%19.14%0.00%29.31%-55.07%-1.130.00%
Stocks/Bonds 40/60 Leveraged Portfolio-57.65%14.10%1.15%33.98%-58.26%-0.870.65%
Cloud Computing Stocks Portfolio-58.50%22.01%0.70%33.33%-64.14%-1.200.00%
Crypto Portfolio-63.20%57.66%1.71%71.78%-91.88%-0.820.02%

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).

10%20%30%40%50%60%70%80%Annualized Volatility0%5%10%15%20%Annualized Return