Larry Swedroe Conervative Lazy Portfolio
0.12%April 16 | 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


The return data shown below all have the same latest date: 04/16/2025.
AR inception is since 12/18/1998.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Larry Swedroe Conervative Lazy Portfolio -0.07% 5.10% 1.75% 3.19% 2.64% 3.88% 5.00% 5.93%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) -9.99% 5.71% 7.80% 15.21% 11.50% 12.41% 9.94% 7.79%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) -2.46% 6.56% 4.41% 7.52% 5.36% 6.37% 5.86% 5.73%

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Calculators


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Rolling Returns


From 12/18/1998 to 04/16/2025, the worst annualized return of 3-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is -1.36%.

From 12/18/1998 to 04/16/2025, the worst annualized return of 5-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is 0.68%.

From 12/18/1998 to 04/16/2025, the worst annualized return of 10-year rolling returns for Larry Swedroe Conervative Lazy Portfolio is 2.26%.


Maximum Drawdown

Larry Swedroe Conervative Lazy Portfolio Maximum Drawdown