Wasik Nano
0.80%April 16 | MyPlanIQ portfolio symbol P_20508

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

Portfolio Overview



John Wasik has been a professional journalist and author for 30 years specializing in personal finance, the environment, investing and social issues. John has proposed a Nano plan investment portfolio which employs just a handful of index or ETFs to cover virtually the entire world of bond and stock markets. This portfolio is supposed to be rebalanced annually.

John Wasik presents a classic asset allocation strategy with simple buy and hold.

  • 20% in Vanguard Total Stock Market VIPERS (VTI) – alternatives: SPY, IWM
  • 20% in Vanguard Total International (VGTSX) – alternatives: EFA, VEU, EEM, VWO, ADRE
  • 20% in Vanguard REIT VIPERS (VNQ) – alternatives: IYR, ICF
  • 20% in iShares Lehman TIPS Bond (TIP)
  • 20% in iShares Lehman Aggregate Bond (AGG) – alternative: BND

Things to note about the portfolio:

  • With 40% in fixed income, this would be considered moderate risk
  • With VGTSX covering both international and emerging markets (albeit in one fund) this would be something between a 4 and 5 asset class portfolio
  • VGTSX is not an ETF; while VGTSX can easily be replaced by VEU (Vanguard FTSE All-World ex-US ETF) we will keep VGTSX because it has a longer history for back testing


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Asset Allocation


Symbol Category/Sector Target Weight
VTI
Vanguard Total Stock Market ETF 		US Equity 20%
EFA
iShares MSCI EAFE ETF 		International Equity 20%
VNQ
Vanguard Real Estate ETF 		Real Estate 20%
TIP
iShares TIPS Bond ETF 		Fixed Income 20%
AGG
iShares Core U.S. Aggregate Bond ETF 		Fixed Income 20%


Historical Performance


The return data shown below all have the same latest date: 04/16/2025.
AR inception is since 12/31/2004.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Wasik Nano -3.41% 7.18% 2.77% 8.32% 5.52% 6.92% 6.35% 6.21%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) -9.99% 5.71% 7.80% 15.21% 11.50% 12.41% 9.94% 9.66%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) -2.46% 6.56% 4.41% 7.52% 5.36% 6.37% 5.86% 5.69%

Wasik Nano Return Calculator

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Calculators


Dollar Cost Average Calculator for Wasik Nano

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Retirement Spending Calculator for Wasik Nano

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Rolling Returns


From 12/31/2004 to 04/16/2025, the worst annualized return of 3-year rolling returns for Wasik Nano is -8.68%.

From 12/31/2004 to 04/16/2025, the worst annualized return of 5-year rolling returns for Wasik Nano is 1.35%.

From 12/31/2004 to 04/16/2025, the worst annualized return of 10-year rolling returns for Wasik Nano is 4.74%.


Maximum Drawdown

Wasik Nano Maximum Drawdown