Lazy Portfolios - Revision history

Assumer: /* Core four portfolios */ Changed "fund" to "desired stock / bond allocation"

2013-05-23T14:32:55Z

‎Core four portfolios: Changed "fund" to "desired stock / bond allocation"

Assumer: /* Three fund lazy portfolios */ Added additional text on the footnote from Rick's blog.

2013-05-23T14:27:40Z

‎Three fund lazy portfolios: Added additional text on the footnote from Rick's blog.

Assumer: /* Three fund lazy portfolios */ Added Rick Ferri's 3-fund portfolio to the list of prominent ones.

2013-05-23T14:26:16Z

‎Three fund lazy portfolios: Added Rick Ferri's 3-fund portfolio to the list of prominent ones.

Assumer: Added Rick Ferri's two fund portfolio to the lazy portfolio page as a separate subsection.

2013-05-23T14:20:30Z

Added Rick Ferri's two fund portfolio to the lazy portfolio page as a separate subsection.

Assumer: /* Core four portfolios */ Added a title to Rick Ferri's blog reference.

2013-05-23T14:10:56Z

‎Core four portfolios: Added a title to Rick Ferri's blog reference.

Assumer: /* Core four portfolios */ Added a reference to Rick Ferri's blog post.

2013-05-23T14:09:15Z

‎Core four portfolios: Added a reference to Rick Ferri's blog post.

LadyGeek: Added Notes and See also sections, added links.

2013-04-24T00:56:31Z

Added Notes and See also sections, added links.

Assumer: /* Three fund lazy portfolios */ Added a link to our 3-fund page.

2013-04-22T18:41:06Z

‎Three fund lazy portfolios: Added a link to our 3-fund page.

Assumer: /* Three fund lazy portfolios */ Added links to our other wiki pages.

2013-04-22T18:12:48Z

‎Three fund lazy portfolios: Added links to our other wiki pages.

Assumer: /* Three fund lazy portfolios */

2013-04-22T18:10:59Z

‎Three fund lazy portfolios

@@ Line 92: / Line 92: @@
 {| style="width:720px" cellpadding="3" cellspacing="3" border="3" align="center"
 |-
-! Fund !! Vanguard Total Bond Market Index Fund  !! Vanguard Total Stock Market Index Fund  !!Vanguard Total International Stock Index Fund !! Vanguard REIT Index Fund
+! Desired Stock/Bond Allocation!! Vanguard Total Bond Market Index Fund  !! Vanguard Total Stock Market Index Fund  !!Vanguard Total International Stock Index Fund !! Vanguard REIT Index Fund
 |-
 ! 60/40

@@ Line 57: / Line 57: @@
 <br>
 {| style="background:#bfbfff;" cellpadding="7" cellspacing="0" align="center" border="1"
-|+ '''[[Rick Ferri]]'s Lazy Three Fund Portfolio''' <ref name="Rick Ferri Index Portfolios"/><ref group="footnotes"> Rick has stated that "The mix between U.S. stocks and international stocks can be changed to suit your preference for dollar exposure."</ref>
+|+ '''[[Rick Ferri]]'s Lazy Three Fund Portfolio''' <ref name="Rick Ferri Index Portfolios"/><ref group="footnotes"> Rick has stated that "The mix between U.S. stocks and international stocks can be changed to suit your preference for dollar exposure. Another option is to swap the total bond market index fund for an investment-grade corporate bond index fund that provides higher yield or a Treasury Inflation Protected (TIPs) fund the provides inflation protection."</ref>
 ! rowspan="2" | % Allocation !! rowspan="2" | Fund !! colspan="2" | Mutual Fund !! rowspan="2" | ETF Fund (ER)
 |-

@@ Line 44: / Line 44: @@
 <br>
 {| style="background:#ffdead;" cellpadding="7" cellspacing="0" align="center" border="1"
-|+ '''Scott Burns' Margarita portfolio / Andrew Tobias' 3 Fund portfolio'''<ref>[http://assetbuilder.com/couch_potato/couch_potato_cookbook.aspx Couch Potato Cookbook]</ref>
+|+ '''Scott Burns' Margarita portfolio / Andrew Tobias' Three Fund portfolio'''<ref>[http://assetbuilder.com/couch_potato/couch_potato_cookbook.aspx Couch Potato Cookbook]</ref>
 ! rowspan="2" | % Allocation !! rowspan="2" | Fund !! colspan="2" | Mutual Fund !! rowspan="2" | ETF Fund (ER)
 |-
@@ Line 54: / Line 54: @@
 |-
 | align="center" | 33% || Vanguard Total International Stock Index Fund  || align="center" | [https://personal.vanguard.com/us/funds/snapshot?FundId=0113&FundIntExt=INT VGTSX] (.22%) || align="center" | [https://personal.vanguard.com/us/funds/snapshot?FundId=0569&FundIntExt=INT VGIAX] (.16%) || align="center" | [https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT VXUS] (.16%)
 |}

@@ Line 3: / Line 3: @@
 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.
 ==Three fund lazy portfolios==
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 |}
-[[Rick Ferri | Rick]] proposes that investors first determine their bond allocation.  With the remaining funds, allocate 60% to US stock, 30% to international and 10% to [[REIT]].  For example, for 60/40 and 80/20 portfolios, you would end up with the following <ref>[http://www.rickferri.com/blog/investments/three-simple-index-fund-portfolios/ Three Simple Index Fund Portfolios]</ref>:
+[[Rick Ferri | Rick]] proposes that investors first determine their bond allocation.  With the remaining funds, allocate 60% to US stock, 30% to international and 10% to [[REIT]].  For example, for 60/40 and 80/20 portfolios, you would end up with the following <ref name="Rick Ferri Index Portfolios"/>:
 {| style="width:720px" cellpadding="3" cellspacing="3" border="3" align="center"

@@ Line 61: / Line 61: @@
 |}
-[[Rick Ferri | Rick]] proposes that investors first determine their bond allocation.  With the remaining funds, allocate 60% to US stock, 30% to international and 10% to [[REIT]].  For example, for 60/40 and 80/20 portfolios, you would end up with the following <ref>http://www.rickferri.com/blog/investments/three-simple-index-fund-portfolios/</ref>:
+[[Rick Ferri | Rick]] proposes that investors first determine their bond allocation.  With the remaining funds, allocate 60% to US stock, 30% to international and 10% to [[REIT]].  For example, for 60/40 and 80/20 portfolios, you would end up with the following <ref>[http://www.rickferri.com/blog/investments/three-simple-index-fund-portfolios/ Three Simple Index Fund Portfolios]</ref>:
 {| style="width:720px" cellpadding="3" cellspacing="3" border="3" align="center"

@@ Line 9: / Line 9: @@
 In addition, consider that there are several close alternatives to these funds, especially when purchasing through vanguard. For example, consider that the "Vanguard Inflation-Protected Securities Fund" also has a short term alternative, "Vanguard Short-Term Inflation-Protected Securities Index Fund" (tickers [https://personal.vanguard.com/us/funds/snapshot?FundId=1967&FundIntExt=INT VTIPX] or [https://personal.vanguard.com/us/funds/snapshot?FundId=0567&FundIntExt=INT VTAPX]) which can offer slightly less volatility in NAV.
-Note that while the "% allocation" are different from those listed below, these funds typically make up the core of Vanguard's [[Vanguard Target Retirement Funds|Target Retirement]] and [[Vanguard_LifeStrategy_Funds|Lifestrategy]] funds. See [[Three-fund_portfolio|here]] for more information on 3-fund portfolios.
+Note that while the "% allocation" are different from those listed below, these funds typically make up the core of Vanguard's [[Vanguard Target Retirement Funds|Target Retirement]] and [[Vanguard_LifeStrategy_Funds|Lifestrategy]] funds.<ref group="footnotes"> See [[Three-fund_portfolio]] for more information on 3-fund portfolios.</ref>
 {| border="1" cellpadding="7"
@@ Line 196: / Line 196: @@
 {{Main|finiki:Portfolio Design and Construction}}
 The following spreadsheet contains charts and tables of Canadian versions of Couch Potato portfolios. These portfolios are suggested by the Canadian Couch Potato web site. <ref> [http://canadiancouchpotato.com/model-portfolios/ Canadian Couch Potato], viewed May 23, 2011. </ref> The portfolios include:
@@ Line 205: / Line 204: @@
 The fifth tab in the spreadsheet contains a table containing suggested ETFs for funding the portfolio allocations. Additional details regarding the portfolios are available from Canadian Couch Potato.
 {{#widget:Google Spreadsheet
@@ Line 213: / Line 211: @@
 }} <br>
 (view Google Spreadsheet [http://spreadsheets.google.com/ccc?key=0Ao_KSkmSuU2rdHBocVJVOThOUUwxN1dYeldIWnlrcVE in browser] or download as [http://spreadsheets.google.com/feeds/download/spreadsheets/Export?key=0Ao_KSkmSuU2rdHBocVJVOThOUUwxN1dYeldIWnlrcVE&fmcmd=4 xls], [http://spreadsheets.google.com/feeds/download/spreadsheets/Export?key=0Ao_KSkmSuU2rdHBocVJVOThOUUwxN1dYeldIWnlrcVE&fmcmd=13 ods], or [http://spreadsheets.google.com/pub?key=0Ao_KSkmSuU2rdHBocVJVOThOUUwxN1dYeldIWnlrcVE&output=PDF pdf])
 ==References==
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 ===Affiliate links===
 Any purchases made at [http://www.amazon.com/s/?search-alias=aps&tag=bogleheads.org-20&field-keywords=Bogleheads Amazon.com] will result in a small referral fee for us. It does not cost you anything extra.
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