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Larry Swedroe Conervative Lazy Portfolio
0.38%June 04 | MyPlanIQ portfolio symbol P_77992

  • Portfolio Overview
  • Asset Allocation and ETFs
  • Performance
  • Calculators
  • Rolling Returns
  • Drawdowns

Portfolio Overview


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 ClassAllocation
US Small-Cap Value15%
Developed Market Small-Cap Value7.5%
Emerging Market Small-Cap Value7.5%
Intermediate-Term Treasuries70%

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.

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Asset Allocation


Symbol Category/Sector Target Weight
VISVX
VANGUARD SMALL-CAP VALUE INDEX FUND INVESTOR SHARES 		US Equity 15%
DISVX
DFA INTERNATIONAL SMALL CAP VALUE PORTFOLIO DFA INTERNATIONAL SMALL CAP VALUE PORTFOLIO - INSTITUTIONAL CLASS 		International Equity 7.5%
DEMSX
EMERGING MARKETS SMALL CAP PORTFOLIO EMERGING MARKETS SMALL CAP PORTFOLIO - INSTITUTIONAL CLASS 		International Equity 7.5%
VFITX
VANGUARD INTERMEDIATE-TERM TREASURY FUND INVESTOR SHARES 		Fixed Income 70%


Historical Performance


Larry Swedroe Conervative Lazy Portfolio Historical Returns

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Larry Swedroe Conervative Lazy Portfolio 3.45% 5.48% 3.32% 3.03% 3.14% 4.27% 5.04% 6.07%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) 2.03% 14.20% 14.72% 15.60% 12.92% 14.19% 10.37% 8.31%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) 5.23% 10.75% 8.37% 7.42% 6.31% 7.36% 6.07% 6.04%
Data as of 06/04/2025, AR inception is 12/18/1998

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Larry Swedroe Conervative Lazy Portfolio Historical Return Chart


Calculators


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Rolling Returns


From 12/18/1998 to 06/04/2025, the worst annualized return of 3-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is -1.36%.
From 12/18/1998 to 06/04/2025, the worst annualized return of 5-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is 0.68%.
From 12/18/1998 to 06/04/2025, the worst annualized return of 10-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is 2.26%.
From 12/18/1998 to 06/04/2025, the worst annualized return of 20-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is 4.95%.

Maximum Drawdown

Larry Swedroe Conervative Lazy Portfolio Maximum Drawdown