MyPlanIQ
Major Brokerage Investor
William Bernstein`s `Coward`s` Lazy Portfolio
Investment Options
Total Available Funds: | 9 |
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Total Available Funds: | 9 |
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Average Expense Ratio: 0.1%
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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* |
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Click for Portfolio Details or Follow | 0.1% | 9.0% | 1.7% | 5.5% | 4.9% | 7.2% | |
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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* |
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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.
** 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 | 1.1% | 8.5% | 1.0% | 4.5% | 4.2% |
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.