Difference between revisions of "Lazy portfolios"

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Lazy portfolios are designed to perform well in most market conditions.  Most contain a small number of low-cost funds that are easy to rebalance.  They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds, suitable for most pre-retirement investors.
 
Lazy portfolios are designed to perform well in most market conditions.  Most contain a small number of low-cost funds that are easy to rebalance.  They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds, suitable for most pre-retirement investors.
  

Revision as of 16:42, 19 February 2009

Lazy portfolios are designed to perform well in most market conditions. Most contain a small number of low-cost funds that are easy to rebalance. They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds, suitable for most pre-retirement investors.


There are a number of popular authors and columnists who have suggested 3 fund lazy portfolios. These typically consist of three equal parts of bonds (total bond market or TIPS), total US market and total international market.

3 Fund Lazy Portfolios
Lazy3.PNG
Bill Schultheis' Coffeehouse Portfolios
 % Allocation Fund Fund Symbol ETF Fund
33% Total Bond Market VBMFX BND
34% Total US Market VTSMX VTI
33% Total Intl Market VGTSX VEU


Scott Burns "Margaritaville" Portfolio
 % Allocation Fund Fund Symbol ETF Fund
33% TIPS VIPSX -
34% Total US Market VTSMX VTI
33% Total Intl Market VGTSX VEU


Andrew Tobias' 3 Fund Portfolio
 % Allocation Fund Fund Symbol ETF Fund
33% TIPS VIPSX -
34% Total US Market VTSMX VTI
33% Total Intl Market VGTSX VEU


See also