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Paul Merriman Ultimate Portfolio

The Ultimate Portfolio is a lazy portfolio by Paul Merriman, a financial educator, founder of Merriman, LLC. The portfolio consists of 10 asset classes, 10% each with a tilt to small-cap and value stocks.

Expense Ratio

Rank 41 of 53

Dividend Yield

Rank 8 of 53

10Y Annualized Return

Rank 21 of 53

Sharpe Ratio

Rank 25 of 53

Maximum Drawdown

Rank 49 of 53


Paul Merriman Ultimate PortfolioAsset Allocation

Paul Merriman Ultimate PortfolioPerformance

The chart shows the growth of $10,000 invested in Paul Merriman Ultimate Portfolio on Sep 10, 2010 and compares it to the S&P 500 index or another benchmark. It would be worth nearly $26,131 for a total return of roughly 161.31%. All prices are adjusted for splits and dividends. The portfolio is rebalanced Quarterly

Paul Merriman Ultimate Portfolio
Benchmark (^GSPC)
Portfolio components

Paul Merriman Ultimate PortfolioReturns

As of May 17, 2022, the Paul Merriman Ultimate Portfolio returned -13.24% Year-To-Date and 9.10% of annualized return in the last 10 years.

Paul Merriman Ultimate Portfolio-7.85%-13.24%-13.98%-9.18%6.28%9.10%
Vanguard Value ETF
Vanguard S&P Small-Cap 600 Value ETF
Vanguard Large Cap ETF
Vanguard FTSE All-World ex-US ETF
Vanguard S&P Small-Cap 600 ETF
Vanguard FTSE Emerging Markets ETF
iShares MSCI EAFE Value ETF
WisdomTree International SmallCap Dividend
Vanguard FTSE All-World ex-US Small-Cap ETF
Vanguard Real Estate ETF

Paul Merriman Ultimate PortfolioSharpe Ratio Chart

The Sharpe ratio shows whether the portfolio's excess returns are due to smart investment decisions or a result of taking a higher risk. The higher a portfolio's Sharpe ratio, the better its risk-adjusted performance.

The current Paul Merriman Ultimate Portfolio Sharpe ratio is -0.61. A negative Sharpe ratio means that the risk-free rate is higher than the portfolio's return. This value does not convey any meaningful information.

The chart below displays rolling 12-month Sharpe Ratio.

Paul Merriman Ultimate Portfolio
Benchmark (^GSPC)
Portfolio components

Paul Merriman Ultimate PortfolioDividends

Paul Merriman Ultimate Portfolio granted a 2.83% dividend yield in the last twelve months, as of May 17, 2022.


Dividend yield


Paul Merriman Ultimate PortfolioDrawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.

Paul Merriman Ultimate Portfolio
Benchmark (^GSPC)
Portfolio components

Paul Merriman Ultimate PortfolioWorst Drawdowns

The table below shows the maximum drawdowns of the Paul Merriman Ultimate 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 Paul Merriman Ultimate Portfolio is 38.24%, recorded on Mar 23, 2020. It took 171 trading sessions for the portfolio to recover.



To Bottom


To Recover



-38.24%Jan 21, 202044Mar 23, 2020171Nov 23, 2020215
-24.64%May 2, 2011108Oct 3, 2011304Dec 18, 2012412
-20.07%Jan 29, 2018229Dec 24, 2018234Nov 27, 2019463
-19.7%May 18, 2015187Feb 11, 2016142Sep 2, 2016329
-16.24%Nov 9, 2021127May 11, 2022
-9.31%Jul 7, 201470Oct 13, 201489Feb 20, 2015159
-9.28%May 22, 201323Jun 24, 201355Sep 11, 201378
-7.02%Feb 22, 201117Mar 16, 201112Apr 1, 201129
-5.91%Jan 23, 20148Feb 3, 201414Feb 24, 201422
-5.6%Sep 8, 201642Nov 4, 201621Dec 6, 201663

Paul Merriman Ultimate PortfolioVolatility Chart

Current Paul Merriman Ultimate Portfolio volatility is 27.34%. The chart below shows the rolling 10-day volatility. Volatility is a statistical measure showing how big price swings are in either direction. The higher asset volatility, the riskier it is, because the price movements are less predictable.

Paul Merriman Ultimate Portfolio
Benchmark (^GSPC)
Portfolio components

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