Difference between revisions of "Lazy Portfolios"

Revision as of 22:30, 1 September 2008

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

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

v t e Portfolios Sample portfolios Lazy Portfolios • Three-fund portfolio • Slice and Dice • Slice and Dice International Portfolio management Investment Policy Statement • Lump sum vs DCA • Prioritizing investments • Rebalancing • Systematic investing • Tax Loss Harvesting • Using a Spreadsheet to Maintain a Portfolio Portfolio withdrawals Withdrawal Methods • Safe Withdrawal Rates Asset classes US Stocks • International Stocks• Real Estate • Bonds • Money Markets • Alternate Asset Classes