Difference between revisions of "Lazy portfolios"

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! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
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| align="center" | 33% || [[Vanguard Total Bond Market Index Fund | Total Bond Market]] || align="center" | VBMFX || align="center" | BND
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| align="center" | 33% || Vanguard Total Bond Market Index Fund || align="center" | VBMFX || align="center" | BND
 
|-
 
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| align="center" | 34% || [[Vanguard Total Stock Market Index Fund | Total US Market]] || align="center" | VTSMX || align="center" | VTI
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| align="center" | 34% || Vanguard Total Stock Market Index Fund || align="center" | VTSMX || align="center" | VTI
 
|-
 
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| align="center" | 33% || [[Vanguard Total International Stock Index Fund | Total Intl Market]] || align="center" | VGTSX || align="center" | VEU
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| align="center" | 33% || Vanguard Total International Stock Index Fund || align="center" | VGTSX || align="center" | VEU
 
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! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
|-
 
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| align="center" | 33% || [[Vanguard Inflation-Protected Securities Fund | TIPS]] || align="center" | VIPSX || align="center" | -
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| align="center" | 33% || Vanguard Inflation-Protected Securities Fund || align="center" | VIPSX || align="center" | -
 
|-
 
|-
| align="center" | 34% || [[Vanguard Total Stock Market Index Fund | Total US Market]] || align="center" | VTSMX || align="center" | VTI
+
| align="center" | 34% || Vanguard Total Stock Market Index Fund || align="center" | VTSMX || align="center" | VTI
 
|-
 
|-
| align="center" | 33% || [[Vanguard Total International Stock Index Fund | Total Intl Market]] || align="center" | VGTSX || align="center" | VEU
+
| align="center" | 33% || Vanguard Total International Stock Index Fund || align="center" | VGTSX || align="center" | VEU
 
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|}
 
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! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
! % Allocation !! Fund !! Fund Symbol !! ETF Fund
 
|-
 
|-
| align="center" | 33% || [[Vanguard Inflation-Protected Securities Fund | TIPS]] || align="center" | VIPSX || align="center" | -
+
| align="center" | 33% || Vanguard Inflation-Protected Securities Fund || align="center" | VIPSX || align="center" | -
 
|-
 
|-
| align="center" | 34% || [[Vanguard Total Stock Market Index Fund | Total US Market]] || align="center" | VTSMX || align="center" | VTI
+
| align="center" | 34% || Vanguard Total Stock Market Index Fund || align="center" | VTSMX || align="center" | VTI
 
|-
 
|-
| align="center" | 33% || [[Vanguard Total International Stock Index Fund | Total Intl Market]] || align="center" | VGTSX || align="center" | VEU
+
| align="center" | 33% || Vanguard Total International Stock Index Fund || align="center" | VGTSX || align="center" | VEU
 
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Revision as of 05:19, 24 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% Vanguard Total Bond Market Index Fund VBMFX BND
34% Vanguard Total Stock Market Index Fund VTSMX VTI
33% Vanguard Total International Stock Index Fund VGTSX VEU


Scott Burns "Margaritaville" Portfolio
 % Allocation Fund Fund Symbol ETF Fund
33% Vanguard Inflation-Protected Securities Fund VIPSX -
34% Vanguard Total Stock Market Index Fund VTSMX VTI
33% Vanguard Total International Stock Index Fund VGTSX VEU


Andrew Tobias' 3 Fund Portfolio
 % Allocation Fund Fund Symbol ETF Fund
33% Vanguard Inflation-Protected Securities Fund VIPSX -
34% Vanguard Total Stock Market Index Fund VTSMX VTI
33% Vanguard Total International Stock Index Fund VGTSX VEU


See also