Lazy Portfolios
Long-term model portfolios for 401(k), IRAs and long-term retirement investment accounts
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.
Not only you can simply mimic a lazy portfolio in a brokerage account for your IRAs or taxable investments, you can also mimic a lazy portfolio in your retirement savings accounts such as 401(k) or 403(b). To do so, you’ll need to find similar funds or investment options in your plans for funds in a lazy portfolio to invest.
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.
You can also find more detailed information here on MyPlanIQ core asset allocation template portfolios.
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Lazy Portfolio Latest Performance
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR |
|---|---|---|---|---|---|---|---|
| P David Swensen Yale Individual Investor Portfolio Annual Rebalancing | 2.06% | 11.41% | 2.43% | 6.16% | 6.66% | 8.54% | 7.64% |
| Warren Buffett Index Fund Portfolio | 2.51% | 24.02% | 10.90% | 13.80% | 12.33% | 12.88% | 9.81% |
| MyPlanIQ Core Four Assets | 1.96% | 12.00% | 3.62% | 6.39% | 6.51% | 7.57% | 6.80% |
| MyPlanIQ Core Five Assets | 1.83% | 12.20% | 3.46% | 6.30% | 6.44% | 7.49% | 6.88% |
| MyPlanIQ Core Three Assets | 2.05% | 12.87% | 4.38% | 7.04% | 6.99% | 7.80% | 6.91% |
| MyPlanIQ Core Six Assets | 1.87% | 12.41% | 3.40% | 6.20% | 6.31% | 7.43% | 6.86% |
| MyPlanIQ Core Two Assets | 1.97% | 15.26% | 5.83% | 8.33% | 8.24% | 9.24% | 7.71% |
| William Bernstein Sheltered Sam 60/40 Allocation | 2.05% | 13.65% | 5.32% | 7.31% | 6.78% | NA | NA |
| William Bernstein Cowards | 2.19% | 12.70% | 4.92% | 7.12% | 6.35% | 7.05% | NA |
| Bernstein Smart Money | 2.09% | 11.83% | 4.61% | 6.40% | 5.92% | 7.08% | 6.32% |
| Talmud | 1.67% | 9.87% | 0.95% | 5.03% | 5.56% | 8.36% | 7.35% |
| Scott Burn`s AssetBuilder DFA Model Portfolio 09 | 1.59% | 6.41% | 1.55% | 3.88% | 2.61% | 3.44% | NA |
| Ray Dalio All Weather Portfolio | 2.12% | 9.18% | 0.24% | 3.51% | 4.54% | 6.35% | NA |
| Harry Browne Permanent Portfolio | 2.61% | 16.17% | 5.53% | 6.20% | 5.76% | 6.49% | 6.80% |
| P Permanent Portfolio ETF Version | 2.74% | 14.96% | 6.52% | 7.08% | 5.04% | 5.53% | NA |
| Doug Ramsey All Asset No Authority (AANA) Lazy Portfolio | 3.30% | 14.77% | 3.92% | 7.34% | 6.35% | 7.56% | NA |
| Larry Swedroe Conervative Lazy Portfolio | 0.93% | 4.54% | 0.78% | 2.42% | 2.95% | 4.24% | 4.98% |
| The Coffee House Lazy Portfolio ETFs | 2.72% | 15.25% | 4.89% | 7.07% | 6.43% | 7.85% | NA |
| The Original Coffee House Lazy Portfolio Index Funds | 2.62% | 14.52% | 4.72% | 6.71% | 6.19% | 7.72% | 6.78% |
| Wasik Nano | 2.63% | 14.09% | 4.02% | 6.76% | 6.34% | 7.78% | 6.67% |
| The Couch Potato | 2.61% | 19.01% | 7.31% | 10.17% | 8.55% | 8.97% | 7.44% |
| Ted Aronson Family Taxable Portfolio, | 2.44% | 13.87% | 4.77% | 7.70% | 7.62% | 8.45% | 7.84% |
| Roger Gibson Five Assets | 2.45% | 11.04% | 4.22% | 7.85% | 6.31% | NA | NA |
| FundAdvice Paul Merriman Ultimate Buy and Hold All Stocks | 2.83% | 14.51% | 4.37% | 7.52% | 7.38% | 8.83% | NA |
| Rick Ferri Core Four Lazy Portfolio | 1.95% | 11.85% | 3.62% | 6.22% | 6.39% | 7.52% | 6.65% |
| Alex Green The Gone Fishin Lazy Portfolio | 2.45% | 12.11% | 4.12% | 6.77% | 6.32% | 7.19% | 6.81% |
| Israelsen 7Twelve Portfolio | 2.37% | 53.17% | 16.01% | 13.93% | 9.25% | NA | NA |
| Armstrong Ideal Index | 2.39% | 11.00% | 3.51% | 5.68% | 5.45% | 6.61% | NA |
| P Andrew Tobias Three Fund Lazy Portfolio Annual Balance | 2.52% | 12.15% | 4.27% | 7.24% | 6.72% | 7.38% | 6.60% |
| Burton Malkiel Mid-Fifties Portfolio | 2.15% | 14.47% | 4.18% | 7.04% | 6.94% | NA | NA |
| Ben Stein Long Term Lazy Portfolio | 2.24% | 15.62% | 5.62% | 8.24% | 7.36% | 8.31% | NA |
| Vanguard Four Fund Portfolio | 2.35% | 12.67% | 4.59% | 6.72% | 6.77% | NA | NA |
| VBINX (VANGUARD BALANCED INDEX FUND INVESTOR SHARES) | 2.08% | 12.04% | 3.69% | 6.35% | 7.23% | 8.58% | 7.16% |
| DGSIX (GLOBAL ALLOCATION 60/40 PORTFOLIO GLOBAL ALLOCATION 60/40 PORTFOLIO - INSTITUTIONAL CLASS) | 1.96% | 8.66% | 2.32% | 4.66% | 5.34% | 6.48% | 5.72% |
| VTI (Vanguard Total Stock Market ETF) | 3.03% | 26.16% | 11.27% | 14.53% | 13.03% | 13.95% | 10.59% |
| VNQ (Vanguard Real Estate ETF) | 1.65% | 12.22% | -1.36% | 3.08% | 4.56% | 9.28% | 7.35% |
| VEA (Vanguard FTSE Developed Markets ETF) | 4.43% | 8.90% | 3.81% | 6.32% | 5.73% | 5.96% | NA |
| VWO (Vanguard FTSE Emerging Markets ETF) | 0.82% | 15.60% | -0.17% | 4.29% | 3.90% | 3.63% | NA |
| GLD (SPDR Gold Shares) | 6.79% | 37.20% | 15.44% | 11.60% | 7.76% | 5.97% | 9.48% |
| BND (Vanguard Total Bond Market ETF) | 0.60% | 2.15% | -1.49% | -0.66% | 1.14% | 2.25% | NA |
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