Lazy Portfolios

Long-term model portflios

Famous investment gurus like Warren Buffett, David Swensen and Willaim Bernstein have proposed model portfolios that invest in ultra-low cost index ETFs or mutual funds. These funds represent major investment asset classes such as US stocks, Foreign stocks and bonds.

The portfolios are ‘lazy’ as they are meant to be essentially buy and hold for a long term, only rebalanced regularly like annually. 

The following is the list of guru proposed lazy portfolios. Click on them to reveal their holdings and historical returns and many portfolio statistics.

Bogleheads, a site devoted to buy and hold of index funds,  has some wonderful detailed descriptions on some of the lazy portfolios listed here.

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Lazy Portfolio Latest Performance

Ticker/Portfolio Name YTD
Return**
1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR
P David Swensen Yale Individual Investor Portfolio Annual Rebalancing -1.8% 7.5% 2.0% 7.9% 7.0% 9.9%
Warren Buffett Index Fund Portfolio 4.1% 22.1% 9.1% 12.9% 11.3% 13.9%
William Bernstein Sheltered Sam 60/40 Allocation 0.5% 7.2% 3.7% 6.5% 6.1%
William Bernstein Cowards 0.7% 8.3% 2.7% 6.4% 5.8% 8.2%
Bernstein Smart Money - 5.1% 3.7% 4.4% 4.8% 7.2%
Talmud -3.3% 1.4% 0.4% 4.8% 6.0% 10.3%
Scott Burn`s AssetBuilder DFA Model Portfolio 09 0.3% 3.8% 2.1% 3.1% 2.0% 5.2%
Harry Browne Permanent Portfolio -0.6% 8.1% 1.7% 5.9% 5.1% 6.2%
P Permanent Portfolio ETF Version -1.2% 7.0% 3.3% 5.9% 3.7% 5.7%
The Coffee House Lazy Portfolio ETFs 0.2% 7.7% 2.7% 6.3% 5.9% 9.0%
The Original Coffee House Lazy Portfolio Index Funds -0.2% 7.8% 2.5% 6.0% 5.8% 9.0%
Wasik Nano - 7.8% 2.3% 5.0% 5.3% 7.4%
The Couch Potato - 10.3% 4.7% 7.5% 6.9% 8.4%
P Ted Aronson Lazy Portfolio Annual Rebalancing - 11.6% 1.8% 6.1% 6.2% 9.1%
Roger Gibson Five Assets -0.4% 6.3% 5.3% 7.4% 5.4%
FundAdvice Paul Merriman Ultimate Buy and Hold All Stocks -0.7% 6.4% 2.4% 6.4% 6.6% 11.5%
Rick Ferri Core Four Lazy Portfolio 1.3% 13.4% 3.1% 7.6% 6.6% 9.2%
Alex Green The Gone Fishin Lazy Portfolio 0.1% 8.6% 1.4% 6.6% 5.8% 8.9%
Israelsen 7Twelve Portfolio -0.4% 6.0% 2.9% 6.3% 5.1%
Armstrong Ideal Index - 5.5% 1.8% 4.0% 4.2% 6.8%
P Andrew Tobias Three Fund Lazy Portfolio Annual Balance - 10.7% 2.7% 5.8% 5.4% 7.6%
Burton Milkier Mid-Fifties Portfolio 0.6% 10.0% 2.1% 6.9% 6.6%
Ben Stein Long Term Lazy Portfolio 0.7% 9.5% 3.3% 7.3% 6.7% 9.9%
Vanguard Four Fund Portfolio 1.1% 11.8% 2.3% 6.8% 6.2%
VBINX (Vanguard Balanced Index Inv) 1.7% 16.9% 4.0% 8.8% 8.0% 10.4%
DGSIX (DFA Global Allocation 60/40 I) 1.4% 15.8% 5.1% 8.3% 6.6% 9.5%
VTI (Vanguard Total Stock Market ETF) 4.1% 22.5% 7.9% 13.5% 11.9% 15.4%
VNQ (Vanguard REIT ETF) -4.7% -0.6% 2.3% 3.8% 6.2% 12.7%
VEA (Vanguard FTSE Developed Markets ETF) 0.7% 11.7% 2.7% 7.0% 4.8% 8.6%
VWO (Vanguard FTSE Emerging Markets ETF) 0.2% 3.9% -6.9% 3.3% 3.5% 7.5%
GLD (SPDR Gold Shares) -1.9% 9.8% 4.1% 8.5% 4.0% 4.4%
BND (Vanguard Total Bond Market ETF) -1.4% 3.7% -3.2% 0.6% 1.5% 2.5%

**YTD: Year to Date

Model portfolios for brokerage investors

  • Model portfolios for major brokerages
  • Retirement IRAs or solo 401(k)
  • Taxable brokerage investment accounts
  • ETFs or no-load no-transaction fee mutual funds

Model portfolios for income investors

  • Model portfolios for major brokerages
  • Based on excellent total return bond mutual fund
  • Based on total return bond ETFs
  • Outperformed even best bond mutual funds for past decade

Advanced Portfolios

  • Global tactical allocation portfolios
  • Factor, style, sector and Fidelity select fund rotation portfolios
  • Various timing and seasonality portfolios
  • Tools for asset trends, correlation, smart fund manager …

ETFs & Mutual Funds

  • Historical total returns & risk data
  • Dividend histories and up to date dividend data
  • Charts and tables for comparison
  • Risk managed ETF or mutual fund clones

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Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.

Retirement Calculator

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Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

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