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Lazy Portfolios

Many great investors have suggested model portfolios using index funds or ETFs. These portfolios are commonly known as 'lazy portfolios'. These plans can be implemented in both IRA and taxable investment accounts.


In addition to maintaining a lazy portfolio, MyPlanIQ uses the funds in a lazy portfolio as candidate funds to form an investment plan. Asset allocation strategies are then applied to generate their corresponding model portfolios. NOTE: some of these plans might have both ETF and mutual fund versions. Search for a keyword to find those portfolios/plans.


Two model portfolios are provided for each plan. See here for more details.


Click on a plan name to see more details.

 

David Swensen Six ETF Asset Individual Investor Plan

Yale endowment manager David Swensen's 7 asset classes lazy portfolio covers 7 asset classes: US Equity, Foreign Equity, Emerging Market Equity, REITs, Inflation-Protected Bonds, Long Term Treasury Bonds and Cash. It has an index fund version here.

Good for diversification among distinct major asset classes

Permanent Portfolio ETF Plan

This is an ETF version of Harry Browne's permanent portfolio. Permanent portfolio uses stocks, REITs, gold, silver, Swiss Franc (currency) and U.S. treasury and corporate bonds to form a balanced hedged portfolio for capital preservation to find against both inflation and deflation. Searching for 'permanent' will show multiple versions of this portfolio.

Good for investors who prefer hedged portfolios that accommodate inflation, deflation and prosperous economic cycles.

Israelsen's 7Twelve

Professor Israelsen's lazy portfolio consists of 12 index funds that cover 6 major asset classes: US Equity, Foreign Equity, Emerging Market Equity, REITs, Commodity and Fixed Income. It further covers 3 U.S. stock styles: large cap, mid cap and small cap and both international and U.S. REITs. Gold is also present in commodity asset class with international bonds and inflation protected bonds (TIPs).

Good for diversification among major and important minor asset classes.

FundAdvice Ultimate Buy and Hold Lazy Portfolio

FundAdvice (Paul Merriman) lazy portfolio consists of 11 funds that cover 5 major asset classes: US Equity, Fixed Income, Emerging Market Equity, Foreign Equity and REITs. On stock side, it is tilted to value funds. See also FundAdvice Ultimate Buy and Hold Lazy Portfolio ETFs

Good for diversification and value tilted investors.

Bill Schultheis' Coffee House Lazy Portfolio ETF Plan

7 candidate funds cover 4 major asset classes US Equity, Fixed Income, Foreign Equity and REITs. This plan emphasizes on small cap and value funds. A simple plan but can be effective.

Good for investors who prefer simplicity

John Wasik Nano Plan

5 candidate ETFs cover 4 major asset classes US Equity, Fixed Income, Foreign Equity and REITs. This plan is one of the simplest but can be effective. Fixed income includes inflation protected bonds.

Good for investors who prefer simplicity

 

Lazy Portfolios Plan Performance

Latest Tactical Lazy Portfolios Performance Comparison

Latest Strategic Lazy Portfolios Performance Comparison

See more lazy portfolio plans here>> .


What to do for your brokerage IRA or taxable investments?

Pick a plan from those listed above

Browse a plan page for :

Plan Rating: see PlanRatingIQ Investment Choices Rankingnew

Fund Ranking: compare funds ranking in each category (asset class) in the plan

Model Portfolios: browse and compare SAA and TAA model portfolios historical performance and holdings

Follow/customize SAA or TAA model portfolios tailored to your own personal risk tolerance

Manage your own brokerage account :

your followed or customized portfolios are updated daily.

You will receive regular monthly or quarterly re-balance emails for these portfolios.

You then use the re-balance/holdings information to make transactions in your brokerage account.


Not sure how to start? follow Step by Step Guide>>


Asset Allocation Model Portfolios

Each plan has Strategic Asset Allocation (SAA) moderate and Tactical Asset Allocation (TAA) moderate model portfolios. The portfolios' holdings are decided by their strategy's allocation and fund selection from the candidate funds.

Strategic Asset Allocation (SAA) : (Free)

based on main stream Modern Portfolio Theory that emphasizes diversification and portfolio re-balancing.

Good for: Armchair or beginning investors, prefer mainstream and passive role.

Tactical Asset Allocation (TAA) : (Premium: basic subscription )

based on major diversified asset trends to dynamically adjust risk assets (such as stocks) and fixed income (bonds) allocations.

Good for: Active or experienced investors, risk averse to avoid loss.


Not clear on how the strategies work? See More Details>>


Other Brokerage Plans:

Brokerage Specific ETF Portfolios >>
These are brokerage specific ETF commission free or low commission ETFs portfolios for Fidelity, Schwab, TDAmeritrade or others.

Brokerage Mutual Fund Portfolios >>
These are brokerage specific no load no transaction fee mutual fund plans suggested by brokerages such as Fidelity, Schwab, TDAmeritrade and others.

Lazy Portfolios >>
Asset allocation lazy portfolios suggested by Guru investors such as David Swensen and Fund Advice.

IRA/401K Brokerage Link Portfolios >>
Automatic IRA, 401K or other retirement plans offer brokerage windows (links) for plan participants.

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