FIRE SAFARI Guy Sorta Lazy Portfolio
After FIRE'ing, I started blogging about my experiences at firesafari.com. As part of my retirement, I had to develop a portfolio asset allocation model that fit my objectives, my beliefs, and my personal risk tolerance profile. This portfolio met the following key criteria. 1) Balanced stocks and bonds at roughly 60/40; 2) Weighted more towards the U.S. but with some international; 3) Weighted more towards midcap and small cap than the overall market; 4) Healthy levels of income to reduce sequence of returns risk; 5) Healthy high yield bond allocation to drive higher returns; 6) Some international bond presence; 7) Some real estate presence; 8) Decent inflation risk coverage; 9) Bond weighting more towards corporate interim maturities; 10) Preferred stock to provide additional income; 11) Low expense fees; 12) Easy to manage, with minimal funds from the same brokerage. Note that the actual FIRE SAFARI Guy Sorta Lazy Portfolio utilizes some private debt, real estate and venture capital investments rather than just VWEAX, VNQ and VB. But for purposes of the Sorta Lazy Porfolio, these public ETF's are close enough. The private investments produce higher returns but with higher risk.
Asset Allocation
Performance
The chart shows the growth of an initial investment of $10,000 in FIRE SAFARI Guy Sorta Lazy Portfolio, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced Quarterly
Returns
As of Jun 1, 2023, the FIRE SAFARI Guy Sorta Lazy Portfolio returned 1.96% Year-To-Date and -1.09% of annualized return in the last 10 years.
| 1 month | Year-To-Date | 6 months | 1 year | 5 years (annualized) | 10 years (annualized) | |
|---|---|---|---|---|---|---|
| Benchmark | 0.29% | 8.86% | 2.44% | 1.15% | 4.73% | 4.73% |
| FIRE SAFARI Guy Sorta Lazy Portfolio | -1.68% | 1.96% | -1.56% | -3.39% | -1.09% | -1.09% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | 0.48% | 8.80% | 2.43% | 2.12% | 3.88% | 3.88% |
RSP Invesco S&P 500® Equal Weight ETF | -3.72% | -0.66% | -5.33% | -4.46% | 5.56% | 5.56% |
VIG Vanguard Dividend Appreciation ETF | -2.82% | 1.43% | -2.35% | 1.76% | 6.57% | 6.57% |
VYM Vanguard High Dividend Yield ETF | -5.08% | -5.66% | -8.96% | -5.97% | 7.41% | 7.41% |
VOE Vanguard Mid-Cap Value ETF | -5.06% | -4.90% | -9.17% | -9.94% | 4.94% | 4.94% |
VB Vanguard Small-Cap ETF | -2.01% | 0.46% | -5.41% | -4.19% | -2.44% | -2.44% |
VNQ Vanguard Real Estate ETF | -3.24% | -2.03% | -6.97% | -15.86% | 0.37% | 0.37% |
PFFA Virtus InfraCap U.S. Preferred Stock ETF | -2.01% | 6.35% | 0.06% | -11.27% | 1.75% | 1.75% |
VXUS Vanguard Total International Stock ETF | -3.31% | 5.19% | 2.94% | -1.21% | -2.43% | -2.43% |
BND Vanguard Total Bond Market ETF | -0.14% | 2.65% | 1.82% | -2.17% | -5.31% | -5.31% |
VCIT Vanguard Intermediate-Term Corporate Bond ETF | -0.14% | 3.47% | 2.65% | -0.67% | -5.31% | -5.31% |
BNDX Vanguard Total International Bond ETF | 0.60% | 3.77% | 0.91% | -1.32% | -4.94% | -4.94% |
PDO Pimco Dynamic Income Opportunities Fund | -0.13% | 3.52% | -3.72% | -4.90% | -7.23% | -7.23% |
VCMDX Vanguard Commodity Strategy Fund Admiral Shares | -5.70% | -10.50% | -12.36% | -22.41% | 12.83% | 12.83% |
MTUM iShares Edge MSCI USA Momentum Factor ETF | -5.02% | -6.59% | -10.26% | -5.17% | -6.54% | -6.54% |
VFMO Vanguard U.S. Momentum Factor ETF | -0.11% | -1.55% | -7.46% | -3.84% | -1.24% | -1.24% |
VWO Vanguard FTSE Emerging Markets ETF | -2.64% | 0.25% | -1.98% | -7.08% | -9.39% | -9.39% |
TIP iShares TIPS Bond ETF | -0.37% | 2.39% | 1.05% | -4.30% | -2.27% | -2.27% |
VWEAX Vanguard High-Yield Corporate Fund Admiral Shares | -1.15% | 2.52% | 2.02% | -0.16% | -1.27% | -1.27% |
| Returns over 1 year are annualized | ||||||
Asset Correlations Table
| BNDX | VCMDX | BND | TIP | VCIT | PDO | VWEAX | VWO | PFFA | VNQ | MTUM | VFMO | VYM | VXUS | VOE | VIG | VB | VTI | RSP | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BNDX | 1.00 | 0.05 | 0.83 | 0.61 | 0.80 | 0.16 | 0.34 | 0.07 | 0.23 | 0.25 | 0.05 | 0.03 | 0.05 | 0.11 | 0.07 | 0.16 | 0.09 | 0.13 | 0.10 |
| VCMDX | 0.05 | 1.00 | 0.07 | 0.31 | 0.11 | 0.19 | 0.23 | 0.30 | 0.23 | 0.18 | 0.29 | 0.34 | 0.32 | 0.35 | 0.31 | 0.22 | 0.28 | 0.26 | 0.29 |
| BND | 0.83 | 0.07 | 1.00 | 0.72 | 0.94 | 0.20 | 0.38 | 0.09 | 0.25 | 0.26 | 0.05 | 0.03 | 0.04 | 0.13 | 0.07 | 0.16 | 0.10 | 0.14 | 0.11 |
| TIP | 0.61 | 0.31 | 0.72 | 1.00 | 0.70 | 0.14 | 0.31 | 0.10 | 0.24 | 0.26 | 0.10 | 0.11 | 0.12 | 0.16 | 0.13 | 0.18 | 0.14 | 0.17 | 0.16 |
| VCIT | 0.80 | 0.11 | 0.94 | 0.70 | 1.00 | 0.24 | 0.47 | 0.19 | 0.34 | 0.36 | 0.17 | 0.16 | 0.18 | 0.27 | 0.21 | 0.30 | 0.24 | 0.28 | 0.26 |
| PDO | 0.16 | 0.19 | 0.20 | 0.14 | 0.24 | 1.00 | 0.43 | 0.34 | 0.42 | 0.35 | 0.38 | 0.43 | 0.41 | 0.42 | 0.43 | 0.41 | 0.45 | 0.44 | 0.45 |
| VWEAX | 0.34 | 0.23 | 0.38 | 0.31 | 0.47 | 0.43 | 1.00 | 0.41 | 0.59 | 0.41 | 0.36 | 0.40 | 0.40 | 0.51 | 0.43 | 0.47 | 0.47 | 0.49 | 0.48 |
| VWO | 0.07 | 0.30 | 0.09 | 0.10 | 0.19 | 0.34 | 0.41 | 1.00 | 0.46 | 0.45 | 0.60 | 0.62 | 0.53 | 0.87 | 0.57 | 0.54 | 0.65 | 0.65 | 0.62 |
| PFFA | 0.23 | 0.23 | 0.25 | 0.24 | 0.34 | 0.42 | 0.59 | 0.46 | 1.00 | 0.55 | 0.47 | 0.54 | 0.54 | 0.58 | 0.59 | 0.57 | 0.61 | 0.61 | 0.62 |
| VNQ | 0.25 | 0.18 | 0.26 | 0.26 | 0.36 | 0.35 | 0.41 | 0.45 | 0.55 | 1.00 | 0.58 | 0.61 | 0.71 | 0.62 | 0.78 | 0.76 | 0.73 | 0.74 | 0.79 |
| MTUM | 0.05 | 0.29 | 0.05 | 0.10 | 0.17 | 0.38 | 0.36 | 0.60 | 0.47 | 0.58 | 1.00 | 0.89 | 0.75 | 0.73 | 0.76 | 0.78 | 0.82 | 0.85 | 0.81 |
| VFMO | 0.03 | 0.34 | 0.03 | 0.11 | 0.16 | 0.43 | 0.40 | 0.62 | 0.54 | 0.61 | 0.89 | 1.00 | 0.80 | 0.77 | 0.85 | 0.77 | 0.92 | 0.87 | 0.87 |
| VYM | 0.05 | 0.32 | 0.04 | 0.12 | 0.18 | 0.41 | 0.40 | 0.53 | 0.54 | 0.71 | 0.75 | 0.80 | 1.00 | 0.74 | 0.94 | 0.91 | 0.82 | 0.84 | 0.93 |
| VXUS | 0.11 | 0.35 | 0.13 | 0.16 | 0.27 | 0.42 | 0.51 | 0.87 | 0.58 | 0.62 | 0.73 | 0.77 | 0.74 | 1.00 | 0.77 | 0.75 | 0.80 | 0.82 | 0.81 |
| VOE | 0.07 | 0.31 | 0.07 | 0.13 | 0.21 | 0.43 | 0.43 | 0.57 | 0.59 | 0.78 | 0.76 | 0.85 | 0.94 | 0.77 | 1.00 | 0.89 | 0.91 | 0.87 | 0.97 |
| VIG | 0.16 | 0.22 | 0.16 | 0.18 | 0.30 | 0.41 | 0.47 | 0.54 | 0.57 | 0.76 | 0.78 | 0.77 | 0.91 | 0.75 | 0.89 | 1.00 | 0.83 | 0.92 | 0.94 |
| VB | 0.09 | 0.28 | 0.10 | 0.14 | 0.24 | 0.45 | 0.47 | 0.65 | 0.61 | 0.73 | 0.82 | 0.92 | 0.82 | 0.80 | 0.91 | 0.83 | 1.00 | 0.93 | 0.94 |
| VTI | 0.13 | 0.26 | 0.14 | 0.17 | 0.28 | 0.44 | 0.49 | 0.65 | 0.61 | 0.74 | 0.85 | 0.87 | 0.84 | 0.82 | 0.87 | 0.92 | 0.93 | 1.00 | 0.95 |
| RSP | 0.10 | 0.29 | 0.11 | 0.16 | 0.26 | 0.45 | 0.48 | 0.62 | 0.62 | 0.79 | 0.81 | 0.87 | 0.93 | 0.81 | 0.97 | 0.94 | 0.94 | 0.95 | 1.00 |
Dividend yield
FIRE SAFARI Guy Sorta Lazy Portfolio granted a 4.95% dividend yield in the last twelve months.
| TTM | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FIRE SAFARI Guy Sorta Lazy Portfolio | 4.95% | 3.97% | 3.52% | 2.32% | 2.99% | 3.15% | 2.55% | 2.71% | 2.79% | 2.90% | 2.95% | 3.22% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.92% | 1.67% | 1.24% | 1.47% | 1.87% | 2.19% | 1.87% | 2.14% | 2.25% | 2.04% | 2.06% | 2.57% |
RSP Invesco S&P 500® Equal Weight ETF | 2.33% | 1.83% | 1.31% | 1.70% | 1.80% | 2.19% | 1.68% | 1.34% | 1.93% | 1.68% | 1.49% | 1.94% |
VIG Vanguard Dividend Appreciation ETF | 2.43% | 1.97% | 1.59% | 1.70% | 1.82% | 2.25% | 2.08% | 2.42% | 2.69% | 2.30% | 2.22% | 2.91% |
VYM Vanguard High Dividend Yield ETF | 3.92% | 3.03% | 2.87% | 3.40% | 3.36% | 3.89% | 3.31% | 3.55% | 4.04% | 3.60% | 3.75% | 4.44% |
VOE Vanguard Mid-Cap Value ETF | 2.95% | 2.29% | 1.83% | 2.48% | 2.21% | 3.03% | 2.10% | 2.21% | 2.40% | 2.00% | 1.87% | 2.39% |
VB Vanguard Small-Cap ETF | 1.99% | 1.59% | 1.26% | 1.18% | 1.46% | 1.77% | 1.46% | 1.64% | 1.65% | 1.62% | 1.50% | 2.16% |
VNQ Vanguard Real Estate ETF | 5.00% | 3.95% | 2.68% | 4.23% | 3.81% | 5.51% | 5.15% | 6.12% | 5.22% | 4.99% | 6.23% | 5.35% |
PFFA Virtus InfraCap U.S. Preferred Stock ETF | 15.01% | 11.22% | 8.73% | 10.56% | 13.67% | 7.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VXUS Vanguard Total International Stock ETF | 3.17% | 3.10% | 3.20% | 2.28% | 3.34% | 3.58% | 3.17% | 3.50% | 3.48% | 4.30% | 3.52% | 3.98% |
BND Vanguard Total Bond Market ETF | 3.77% | 2.62% | 2.04% | 2.34% | 2.93% | 3.12% | 2.90% | 2.94% | 3.09% | 3.43% | 3.52% | 4.21% |
VCIT Vanguard Intermediate-Term Corporate Bond ETF | 4.46% | 3.07% | 2.99% | 2.98% | 3.71% | 4.12% | 3.80% | 4.02% | 4.22% | 4.36% | 5.40% | 5.23% |
BNDX Vanguard Total International Bond ETF | 2.15% | 1.52% | 3.81% | 1.17% | 3.64% | 3.33% | 2.54% | 2.21% | 1.93% | 1.86% | 1.06% | 0.00% |
PDO Pimco Dynamic Income Opportunities Fund | 24.42% | 20.03% | 10.45% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VCMDX Vanguard Commodity Strategy Fund Admiral Shares | 15.87% | 14.21% | 34.91% | 0.75% | 0.91% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
MTUM iShares Edge MSCI USA Momentum Factor ETF | 2.53% | 1.81% | 0.56% | 0.86% | 1.54% | 1.35% | 1.09% | 1.55% | 1.23% | 1.16% | 1.14% | 0.00% |
VFMO Vanguard U.S. Momentum Factor ETF | 2.07% | 1.73% | 0.82% | 0.46% | 1.27% | 0.73% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VWO Vanguard FTSE Emerging Markets ETF | 4.18% | 4.12% | 2.74% | 2.04% | 3.53% | 3.25% | 2.67% | 2.99% | 3.97% | 3.59% | 3.53% | 2.91% |
TIP iShares TIPS Bond ETF | 7.48% | 7.00% | 4.59% | 1.31% | 1.99% | 3.12% | 2.46% | 1.78% | 0.41% | 2.05% | 1.44% | 2.80% |
VWEAX Vanguard High-Yield Corporate Fund Admiral Shares | 7.49% | 5.31% | 4.55% | 5.27% | 6.27% | 7.57% | 7.13% | 7.67% | 8.82% | 8.89% | 9.69% | 10.94% |
Expense Ratio
The FIRE SAFARI Guy Sorta Lazy Portfolio features an expense ratio of 0.12%, falling within the medium range. Below you can find the expense ratios of portfolio funds side-by-side and effortlessly compare their relative costs.
Risk-Adjusted Performance
This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Ulcer Index | |
|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 0.06 | ||||
RSP Invesco S&P 500® Equal Weight ETF | -0.26 | ||||
VIG Vanguard Dividend Appreciation ETF | 0.06 | ||||
VYM Vanguard High Dividend Yield ETF | -0.39 | ||||
VOE Vanguard Mid-Cap Value ETF | -0.53 | ||||
VB Vanguard Small-Cap ETF | -0.22 | ||||
VNQ Vanguard Real Estate ETF | -0.70 | ||||
PFFA Virtus InfraCap U.S. Preferred Stock ETF | -0.63 | ||||
VXUS Vanguard Total International Stock ETF | -0.06 | ||||
BND Vanguard Total Bond Market ETF | -0.27 | ||||
VCIT Vanguard Intermediate-Term Corporate Bond ETF | -0.07 | ||||
BNDX Vanguard Total International Bond ETF | -0.19 | ||||
PDO Pimco Dynamic Income Opportunities Fund | -0.18 | ||||
VCMDX Vanguard Commodity Strategy Fund Admiral Shares | -0.87 | ||||
MTUM iShares Edge MSCI USA Momentum Factor ETF | -0.38 | ||||
VFMO Vanguard U.S. Momentum Factor ETF | -0.24 | ||||
VWO Vanguard FTSE Emerging Markets ETF | -0.31 | ||||
TIP iShares TIPS Bond ETF | -0.56 | ||||
VWEAX Vanguard High-Yield Corporate Fund Admiral Shares | 0.03 |
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way.
Worst Drawdowns
The table below shows the maximum drawdowns of the FIRE SAFARI Guy Sorta Lazy Portfolio. A maximum drawdown is an indicator of risk. It shows a reduction in portfolio value from its maximum due to a series of losing trades.
The maximum drawdown since January 2010 for the FIRE SAFARI Guy Sorta Lazy Portfolio is 21.10%, recorded on Oct 14, 2022. The portfolio has not recovered from it yet.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -21.1% | Nov 9, 2021 | 235 | Oct 14, 2022 | — | — | — |
| -3.57% | Feb 16, 2021 | 13 | Mar 4, 2021 | 21 | Apr 5, 2021 | 34 |
| -3.15% | Sep 3, 2021 | 19 | Sep 30, 2021 | 17 | Oct 25, 2021 | 36 |
| -2.89% | May 10, 2021 | 3 | May 12, 2021 | 12 | May 28, 2021 | 15 |
| -2.15% | Jun 14, 2021 | 5 | Jun 18, 2021 | 9 | Jul 1, 2021 | 14 |
Volatility Chart
The current FIRE SAFARI Guy Sorta Lazy Portfolio volatility is 2.30%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.