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Larry Swedroe Conervative Lazy Portfolio (Static Portfolio)
live (public) 0.38% June 04
Larry Swedroe's lazy portfolio is carefully designed for conservative investors seeking lower volatility while maintaining exposure to growth. Swedroe, a well-regarded financial expert and author, emphasizes diversification through low-cost index funds and is known for advocating small-cap value stocks due to their historically strong performance.
This portfolio is structured with 30% in small-cap value stocks and 70% in intermediate-term treasuries, aiming to deliver long-term returns similar to stock-heavy portfolios but with less volatility. The small-cap value portion is further diversified as follows:
- 15% US Small-Cap Value
- 7.5% Developed Market Small-Cap Value
- 7.5% Emerging Market Small-Cap Value
This allocation provides a unique balance between domestic and international small-cap stocks, enhancing diversification and potential returns. The 70% intermediate-term treasury bond allocation adds stability, especially during market downturns, making it a low-risk choice for investors.
This portfolio stands out for its exclusive stock exposure to small-cap value stocks. Larry Swedroe firmly believes that, over the long term, small-cap value stocks deliver the best returns compared to other asset classes.
This conservative allocation can be compared to funds like the Vanguard Wellesley Income Fund (VWINX), a balanced mutual fund known for its conservative mix of stocks and bonds. However, while the Wellesley fund has a more traditional equity mix, Swedroe’s portfolio is tilted specifically toward small-cap value stocks, which can offer additional growth potential but come with somewhat higher volatility than the large-cap focus of Wellesley.
Here's an itemized breakdown of Swedroe’s portfolio:
| Asset Class | Allocation |
|---|---|
| US Small-Cap Value | 15% |
| Developed Market Small-Cap Value | 7.5% |
| Emerging Market Small-Cap Value | 7.5% |
| Intermediate-Term Treasuries | 70% |
This portfolio aligns well with risk-averse investors looking for growth and stability, delivering a strategic mix between equities and bonds tailored to offer consistency across different economic cycles.
Buy and Hold (Annually Rebalance)
USSmallCapValue VISVX 15%
IntlDevMarketsSmallCapValue DISVX 7.5%
EmergingMarketSmallCapValue DEMSX 7.5%
IntermTermTreasuryBonds VFITX 70%
Simulated from 12/18/1998
| Asset | Fund in this portfolio | Price change* | Percentage |
|---|---|---|---|
| USSmallCapValue | VISVX (VANGUARD SMALL-CAP VALUE INDEX FUND INVESTOR SHARES) | 0.48% | 13.95% |
| IntlDevMarketsSmallCapValue | DISVX (DFA INTERNATIONAL SMALL CAP VALUE PORTFOLIO DFA INTERNATIONAL SMALL CAP VALUE PORTFOLIO - INSTITUTIONAL CLASS) | 0.41% | 9.10% |
| EmergingMarketSmallCapValue | DEMSX (EMERGING MARKETS SMALL CAP PORTFOLIO EMERGING MARKETS SMALL CAP PORTFOLIO - INSTITUTIONAL CLASS) | 0.73% | 7.77% |
| IntermTermTreasuryBonds | VFITX (VANGUARD INTERMEDIATE-TERM TREASURY FUND INVESTOR SHARES) | 0.51% | 69.18% |
* Day change on 06/04/2025.
Previous
Since 12/18/1998
| Name | YTD* Return |
1Yr AR** |
3Yr AR** |
5Yr AR** |
10Yr AR** |
15Yr AR** |
|---|---|---|---|---|---|---|
| Larry Swedroe Conervative Lazy Portfolio | 3.5% | 5.5% | 3.3% | 3.0% | 3.1% | 4.3% |
| VFINX (Vanguard (S&P 500) Index) | 2.2% | 11.3% | 18.4% | 16.2% | 12.9% | 14.0% |
| VBINX (Vanguard Balance (60% stocks/40% bonds) | 2.4% | 8.8% | 11.8% | 8.8% | 8.1% | 9.1% |
* YTD: Year to Date
** AR: Annualized Return
| Last 1 Week* | YTD*(2025) | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 15 Yr | 20 Yr | 20 Yr | Since 12/18/1998 |
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return(%) | 0.7 | 3.5 | 5.5 | 3.3 | 3.0 | 3.1 | 4.3 | 4.3 | 5.1 | 5.0 | 6.0 | 3.0 | 7.8 | -10.6 | 4.7 | 7.7 | 10.4 | -4.3 | 7.5 | 6.0 | -0.1 | 4.3 | 5.3 | 8.2 | 3.2 | 12.6 | 13.6 | -2.4 | 9.0 | 10.2 | 6.0 | 10.4 | 16.6 | 7.7 | 6.9 | 11.6 | 2.1 | 0.9 |
| Sharpe Ratio | NA | 0.36 | 0.39 | 0.0 | 0.16 | 0.32 | NA | NA | NA | NA | 0.84 | -0.12 | 0.63 | -1.41 | 0.96 | 1.01 | 2.75 | -1.56 | 2.54 | 1.35 | -0.03 | 1.3 | 1.17 | 2.04 | 0.54 | 2.24 | 1.44 | -0.46 | 1.15 | 1.41 | 0.9 | 1.76 | 3.92 | 1.6 | 0.79 | 1.56 | -0.22 | 0.13 |
| Draw Down(%) | NA | 3.8 | 5.8 | 9.0 | 16.0 | 16.0 | NA | NA | NA | NA | 16.0 | 4.3 | 6.8 | 15.1 | 2.7 | 10.2 | 1.5 | 6.8 | 1.5 | 2.6 | 4.6 | 2.7 | 5.1 | 3.3 | 4.5 | 3.2 | 10.4 | 13.0 | 2.8 | 4.7 | 3.0 | 6.6 | 3.0 | 2.8 | 4.4 | 3.4 | 4.7 | 0.7 |
| Standard Deviation(%) | NA | 5.9 | 5.7 | 6.9 | 6.4 | 5.5 | NA | NA | NA | NA | 5.4 | 5.7 | 6.6 | 8.5 | 4.9 | 7.4 | 3.3 | 3.7 | 2.7 | 4.3 | 4.2 | 3.3 | 4.5 | 4.0 | 5.9 | 5.6 | 9.4 | 7.4 | 5.0 | 4.8 | 4.2 | 5.4 | 4.1 | 4.1 | 5.6 | 4.7 | 5.6 | 6.4 |
| Treynor Ratio | NA | 0.15 | 0.19 | 0.0 | 0.25 | 1.03 | NA | NA | NA | NA | 3.75 | -0.33 | 1.22 | -3.09 | -1.23 | -3.06 | -3.1 | -2.48 | 5.41 | 3.49 | -0.03 | 5.12 | 1.74 | 6.01 | -29.37 | 4.84 | -4.8 | 13.16 | -2.59 | 0.9 | 2.09 | -5.3 | 9.46 | 7.25 | 1.35 | 1.27 | -0.19 | -0.03 |
| Alpha | NA | 0.02 | 0.0 | 0.0 | 0.0 | 0.01 | NA | NA | NA | NA | 0.02 | 0.0 | 0.01 | -0.05 | 0.02 | 0.03 | 0.04 | -0.02 | 0.03 | 0.02 | 0.0 | 0.02 | 0.02 | 0.03 | 0.01 | 0.05 | 0.06 | -0.01 | 0.02 | 0.02 | 0.01 | 0.04 | 0.06 | 0.03 | 0.02 | 0.03 | -0.01 | 0.26 |
| Beta | NA | 0.15 | 0.12 | 0.07 | 0.04 | 0.02 | NA | NA | NA | NA | 0.01 | 0.02 | 0.03 | 0.04 | -0.04 | -0.02 | -0.03 | 0.02 | 0.01 | 0.02 | 0.04 | 0.01 | 0.03 | 0.01 | 0.0 | 0.03 | -0.03 | 0.0 | -0.02 | 0.08 | 0.02 | -0.02 | 0.02 | 0.01 | 0.03 | 0.06 | 0.07 | -0.29 |
| RSquared | NA | 0.41 | 0.16 | 0.03 | 0.01 | 0.0 | NA | NA | NA | NA | 0.0 | 0.0 | 0.0 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.0 | 0.0 | 0.02 | 0.0 | 0.01 | 0.0 | 0.0 | 0.01 | 0.01 | 0.0 | 0.01 | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.02 | 0.07 | 0.04 | 0.47 |
| Sortino Ratio | NA | 0.5 | 0.53 | 0.0 | 0.22 | 0.43 | NA | NA | NA | NA | 1.2 | -0.15 | 0.96 | -1.88 | 1.32 | 1.3 | 4.43 | -1.96 | 4.09 | 2.04 | -0.04 | 1.91 | 1.68 | 3.14 | 0.78 | 3.41 | 2.21 | -0.63 | 1.62 | 2.15 | 1.37 | 2.51 | 6.56 | 2.49 | 1.16 | 2.58 | -0.28 | 0.23 |
| Yield(%) | N/A | 0.3 | 2.0 | 2.7 | 2.9 | 3.1 | 4.1 | 4.1 | 5.9 | 5.9 | 0.0 | 2.9 | 3.4 | 1.9 | 1.8 | 4.1 | 2.7 | 2.5 | 2.5 | 3.1 | 2.4 | 2.2 | 2.2 | 2.9 | 5.2 | 4.7 | 5.8 | 4.8 | 5.0 | 5.3 | 4.6 | 4.1 | 4.1 | 5.3 | 5.3 | 6.6 | 5.0 | 0.8 |
| Dividend Growth(%) | N/A | -87.8 | -42.3 | 4.6 | 24.9 | 8.7 | N/A | N/A | N/A | N/A | N/A | -7.9 | 59.0 | 8.8 | -51.7 | 70.1 | 0.1 | 8.4 | -14.4 | 30.4 | 14.6 | 6.0 | -20.5 | -41.7 | 23.5 | -6.7 | 16.5 | 4.7 | 3.4 | 24.3 | 24.8 | 14.8 | -16.5 | 6.9 | -10.2 | 35.3 | 532.7 | N/A |
*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/18/1998
| Asset Allocation Strategy | Rebalance for Static Portfolios |
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