FundAdvice Ultimate Buy and Hold Lazy Portfolio
Investment Model Portfolios

FundAdvice Ultimate Buy and Hold Portfolio is a long running portfolio that is tracked on MarketWatch.com'slazy portfolios, maintained by Paul Farrel. The portfolio was proposed by Paul Merriman, who has been an advocate on asset allocation and some actively managed strategies. 

The portfolio consists of the following index funds:

Vanguard Int-Tm Trs;Inv 20%
Vanguard Sh-Tm Trs;Inv 12%
Vanguard Intl Val;Inv 12%
Vanguard Dev Mkts;Inv 12%
Vanguard Infl-Prot;Inv 8%
Vanguard Sm-Cp Idx;Inv 6%
Vanguard SC Val I;Inv 6%
Vanguard Value Idx;Inv 6%
Vanguard 500 Index;Inv 6%
Vanguard EM St Id;Inv 6%
Vanguard REIT Idx;Inv 6%

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

We use the above funds to construct this plan: i.e. the above funds are used as candidate funds. Model portfolios are then generated using MyPlanIQ's asset allocations strategies.  For the purpose of comparison, model portfolios in this plan should be compared with Fund Advice Ultimate Buy and Hold Lazy Portfolio that is rebalanced annually.


 

Plan investment options

Total Available Funds: 11
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE VGSIX VGSIX (Vanguard REIT Index) 0.12%
Emerging Market
DIVERSIFIED EMERGING MKTS VEIEX VEIEX (Vanguard Emerging Mkts Stock Idx) 0.08%
INTERNATIONAL EQUITY
Foreign Large Value VTRIX VTRIX (Vanguard International Value) 0.39%
Foreign Large Blend VDMIX VDMIX (Vanguard Developed Markets Index) 0.2%
FIXED INCOME
SHORT GOVERNMENT VFISX VFISX (Vanguard Short-Term Treasury) 0.1%
Inflation-Protected Bond VIPSX VIPSX (Vanguard Inflation-Protected Secs) 0.07%
Intermediate Government VFITX VFITX (Vanguard Interm-Term Treasury) 0.2%
US EQUITY
SMALL VALUE VISVX VISVX (Vanguard Small Cap Value Index) 0.06%
SMALL BLEND NAESX NAESX (Vanguard Small Cap Index) 0.03%
LARGE BLEND VFINX VFINX (Vanguard 500 Index Investor) 0.14%
LARGE VALUE VIVAX VIVAX (Vanguard Value Index) 0.05%
Average Expense Ratio: 0.13%

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

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


Click here for more plan details and features ►


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
Get Started