FundAdvice Ultimate Buy and Hold Lazy Portfolio ETFs
Investment Model Portfolios

This portfolio mimics FundAdvice Ultimate Buy and Hold Portfolio using ETFs, compared with a plan using index mutual funds. The original lazy portfolio is tracked by MarketWatch.com's lazy portfolios, maintained by Paul Farrel.

The portfolio consists of the following ETFs:

Original: Vanguard Int-Tm Trs;Inv 20%. This plan: iShares 3-7 Year Treasury (IEI)
Original: Vanguard Sh-Tm Trs;Inv 12%. This plan: iShares 3-7 Year Treasury (SHY)
Original : Vanguard Intl Val;Inv 12%. This plan: iShares MSCI EAFE Value Index (EFV)
Original: Vanguard Dev Mkts;Inv 12%. This plan: iShares MSCI EAFE Index (EFA)
Original: Vanguard Infl-Prot;Inv 8%. This plan: iShares TIPS Bond (TIP)
Original: Vanguard Sm-Cp Idx;Inv 6%. This plan: iShares Russell 2000 Index (IWM)
Original: Vanguard SC Val I;Inv 6%. This plan: iShares Russell 2000 Value Index (IWN)
Original: Vanguard Value Idx;Inv 6%. This plan: iShares Russell 3000 Value Index (IWW)
Original: Vanguard 500 Index;Inv 6%. This plan: SPDR 500 (SPY)
Original: Vanguard EM St Id;Inv 6%. This plan: iSharess Emerging Market Stock (EEM)
Original: Vanguard REIT Idx;Inv 6%. This plan: iShares Dow Jones REIT Index (IYR)

Notably, the portfolio is very diversified in equity asset classes. However, corporate bonds are missing.

This plan consists of the above funds as its candidate funds. For the purpose of comparison, model portfolios in this plan should be compared with this lazy portfolio that rebalaces annually.


 

Plan investment options

Total Available Funds: 11
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE IYR IYR (iShares Dow Jones US Real Estate) 0.4%
Emerging Market
DIVERSIFIED EMERGING MKTS EEM EEM (iShares MSCI Emerging Markets Index) 0.7%
INTERNATIONAL EQUITY
Foreign Large Blend EFA EFA (iShares MSCI EAFE Index) 0.33%
Foreign Large Value EFV EFV (iShares MSCI EAFE Value Index) 0.34%
FIXED INCOME
Intermediate Government IEI IEI (iShares Barclays 3-7 Year Treasury Bond) 0.15%
SHORT GOVERNMENT SHY SHY (iShares Barclays 1-3 Year Treasury Bond) 0.15%
Inflation-Protected Bond TIP TIP (iShares Barclays TIPS Bond) 0.19%
US EQUITY
LARGE BLEND SPY SPY (SPDR S&P 500) 0.09%
SMALL VALUE IWN IWN (iShares Russell 2000 Value Index) 0.24%
SMALL BLEND IWM IWM (iShares Russell 2000 Index) 0.19%
LARGE VALUE IWW IWW (iShares Russell 3000 Value Index) 0.25%
Average Expense Ratio: 0.28%

The following is a moderate-risk model portfolio constructed from the investment options of FundAdvice Ultimate Buy and Hold Lazy Portfolio ETFs.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


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Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
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