MyPlanIQ Major Brokerage Investor William Bernstein`s `Coward`s` Lazy Portfolio

William Bernstein`s `Coward`s` Lazy Portfolio

This Plan is unrated.
Investment Options
Total Available Funds: 9
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE VGSIX Vanguard REIT Index Inv
INTERNATIONAL EQUITY
EUROPE STOCK VEURX Vanguard European Stock Index Inv
DIVERSIFIED PACIFIC/ASIA VPACX Vanguard Total Intl Stock Index Inv
US EQUITY
SMALL VALUE VISVX Vanguard Small Cap Value Index Inv
SMALL BLEND NAESX Vanguard Small Cap Index Inv
LARGE BLEND VFINX Vanguard 500 Index Investor
FIXED INCOME
Short-Term Bond VBISX Vanguard Total Bond Market Index Inv
Total Available Funds: 9
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE VGSIX Vanguard REIT Index Inv
INTERNATIONAL EQUITY
EUROPE STOCK VEURX Vanguard European Stock Index Inv
DIVERSIFIED PACIFIC/ASIA VPACX Vanguard Total Intl Stock Index Inv
US EQUITY
SMALL VALUE VISVX Vanguard Small Cap Value Index Inv
SMALL BLEND NAESX Vanguard Small Cap Index Inv
LARGE BLEND VFINX Vanguard 500 Index Investor
LARGE VALUE VIVAX Vanguard Value Index Inv
LARGE VALUE VEIRX Vanguard Equity-Income Adm
FIXED INCOME
Short-Term Bond VBISX Vanguard Total Bond Market Index Inv
Total Available Funds: 9
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
REAL ESTATE
REAL ESTATE VGSIX Vanguard REIT Index Inv 81% 3 60 0 0.26% 2.88%
INTERNATIONAL EQUITY
EUROPE STOCK VEURX Vanguard European Stock Index Inv 88% 3 60 0 0.26% 1.95%
DIVERSIFIED PACIFIC/ASIA VPACX Vanguard Total Intl Stock Index Inv 19% 3 60 0 0.26% 2.11%
US EQUITY
SMALL VALUE VISVX Vanguard Small Cap Value Index Inv 100% 3 60 0 0.35% 1.53%
SMALL BLEND NAESX Vanguard Small Cap Index Inv 99% 3 60 0 0.3% 1.04%
LARGE BLEND VFINX Vanguard 500 Index Investor 98% 3 60 0 0.17% 1.2%
LARGE VALUE VIVAX Vanguard Value Index Inv 96% 3 60 0 0.24% 2.02%
LARGE VALUE VEIRX Vanguard Equity-Income Adm 85% 3 60 0 0.22% 3.13%
FIXED INCOME
Short-Term Bond VBISX Vanguard Total Bond Market Index Inv 100% 3 60 0 0.22% 1.24%
Average Expense Ratio: 0.25%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 8.4% 17.8% 8.5% 7.2% 6.9% 5.8%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click to Create Model Portfolio

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Other Related Portfolios YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
Bernstein Cowards Lazy Portfolio 9.4% 18.6% 7.8% 7.4% 6.6%
Description
The plan consists of 9 funds. It covers 5 major asset classes and 8 minor asset classes. The major asset classes it covers are Fixed Income, US Equity, REITs, Emerging Market Equity and Foreign Equity.

William Bernstein is the author of several books including The Intelligent Asset Allocator and The Four Pillars of Investing. He introduced the Coward's Portfolio in 1996. The "coward" refers not to the investor's risk tolerance but to the strategy of hedging one's bets and having slices of a number of asset classes. This portfolio has extensive global stock coverage. However, he puts all of the fixed income into short term bonds.

The following are the allocations

  • Total Stock Market 15%
  • Large Value 10%
  • Small Blend 5%
  • Small Value 10%
  • Europe Stk 5%
  • Pacific Stk 5%
  • Emerging Mkts 5%
  • REITs 5%
  • Short Term Bond 40%

For more information, refer to BogleHeads Lazy Portfolio.

The above model portfolio should be compared with the moderate model portfolios in this plan.

One can construct an ETF based plan that mostly uses Vanguard ETFs.

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